Monday, August 13, 2018

Internet Security, Passwords, & 2FA

Internet security continues to concern more and more users, especially after one of the largest identity-theft protection companies in the US, LifeLock, discovered that they may have left customers’ email addresses exposed, making them vulnerable to phishing and other spam-related attacks.  Many apps, email providers, and websites now offer second-factor authentication (2FA) to help avoid identity theft.  Here’s a brief rundown about using 2FA, as well as other ways to keep our accounts safe. 
 
- Many internet security experts suggest that you change your passwords frequently. Yes, it can be a pain, but someone hacking into your online banking account would be even more painful.  Use upper- and lower-case letters, numbers and symbols, or try a “passphrase,” a brief phrase usually limited to fifteen characters. 
 
- Change your security questions often if you have that option.  Most account profile settings will allow you to choose different questions. 
 
- Hackers are becoming more inept at stealing mobile phone numbers and hijacking SIM cards, as well as social media accounts that are associated with the numbers.  Motherboard writes that we should set up a special password with our cellular providers to make it more difficult for these thieves to pretend to be the account owner when they call the phone company.  
 
- Almost everyone uses a computer at work these days, and you may occasionally use it for personal things.  The best advice:  don’t use your work computer for anything personal.  If you need to handle something during the day with your child’s teacher, handle it in phone conversation or use your smartphone’s email app.  Internet acceptable-use policies are in place in most business and organizations, so it would be best to re-familiarize yourself with that section in your personnel handbook. 
 
- PCMag lists many popular websites that have the option of 2FA, it’s just hiding in the settings.  The article also gives us directions for different websites. 
 
- If you must write down passwords for multiple accounts, make sure whatever you have them written on is in a locked and secure place.
 
- Our smartphone’s software is becoming so advanced that they can recognize our fingerprints and faces, but our pc’s and laptops continue to use passwords as the most common way for logging in. There are several ways to provide additional information for the apps and websites we log in to, and PCWorld’s website gives us a rundown of the best apps available. 
 
The best protection we can give our personal info is to not get slack.  We must be proactive and stay one step ahead of ourselves, as well as anyone who’d like access to our personal information.  As the saying goes, “An ounce of prevention is worth a pound of cure,” and that certainly applies to keeping our own data secure and out of the wrong people’s hands. 
 
Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale. You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.
 
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Friday, August 10, 2018

Homeowners are attached

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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By: PatZaby.com

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Monday, August 06, 2018

Home-Buying After Foreclosure or Bankruptcy

If foreclosure or bankruptcy has been part of your past, and you’re ready to jump back into buying a new home, welcome to the “boomerang buyer” club!  There are several factors to buying a home after these losses, so before you start house-hunting, make sure you’re not only emotionally ready, but financially ready! 
 
  • - Be absolute certain your credit has been rebuilt by paying all your bills on time and in full. - Check your credit score, and keep an eye on it.  Aiming for a minimum score of 580 improves your chances of qualifying for a home loan. 
  • - Get every penny you can into savings! 
  • - Consider taking a course in financial management.  Not only does this help you become more financially stable, it shows a lender that you’re serious about it. 
  • -If your last home went into foreclosure, there are waiting periods for applying for a mortgage: three years for FHA loans, seven years for Fannie Mae/Freddie Mac loans, two years for Veterans Affairs loans, three years for USDA loans, and other lenders have different waiting periods. 
  • - Buying a home after bankruptcy depends on what type of bankruptcy was filed, so there are different factors when it comes to each situation. 
  • - If you have experienced a short sale with your last home, depending on the lender, the waiting period to apply for a mortgage is two-seven years. 
  • - Some lenders may ask you to write a letter explaining the circumstances for the foreclosure or short sale, as well as what you learned during the process.   
  • - Extenuating circumstances that caused a foreclosure or bankruptcy, such as a major illness or job loss can make a difference in how long you must wait to apply for a mortgage, depending on the lender.  Be prepared with any paperwork that shows your loss of income or increase of debt. 
 
Before you begin this second chance on homeownership, talk to a RealtorⓇ who is experienced with assisting those who have experienced financial hardship and lost a home in the past.  They have a wealth of knowledge to help you every step of the way on the path to a fresh start! 
 

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit: tspmortgage.com
 

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