Why I decided to stay at home

by jcastles | Jan 24, 2012 | Family

I’ve done the work in office thing for many years (health insurance) and when my son Jayson was born I quickly decided to stay at home….daycare for 2 lil ones was very expensive.  Little did we know that I would need to stay home with the kids.  We noticed that Jayson was having some developmental delays around a year old.  We thought it was because I stayed home with him and we didn’t get out much.  I joined playgroups and tried to get out more and nothing seemed to help, he would just separate himself from the group.  That’s when I decided to go back to work.  But not just any work…I wanted to work in daycare (did that several times and LOVED it).  Mostly because he could be there with me and I could see his development and bonus a discount so it wasn’t going to cost as much.  But he wasn’t developing much.  I made that dreaded call to Early Childhood Intervention (ECI) and boy was that one of THE BEST things I could have ever done!  Most of his therapy took place at daycare and we started seeing an improvement right away.  The bad part was he was only accepted to the age of 3.  He was already 2!  But then more great news came….there was a school…free of charge in the ISD we live in that he could attend…if he qualified.  Then worry hit again…would he qualify?!  That day came and he did qualify.  According to the tests and forms we had to fill out is when we finally had conformation that yes…Jayson is Autistic.  So we now start our new way of life….our new journey..

A quick talk about personal loans

by jcastles | Jan 23, 2012 | Family

A personal loan is a form of credit that can help you make a big purchase or consolidate high-interest debts, but does not carry the same benefits of a mortgage. Unlike a mortgage, you can’t pay off the loan at a higher interest rate; it’s an open-ended credit line.

The bank or lender may set your monthly payment based on your income and use the loan to compensate you for a portion of your interest expense, up to your annual limit.

Personal loans are much more expensive than mortgages, and they carry greater protections. Your loan is usually backed by a bank or trust company that will file a lawsuit against you if you default. It will also charge you an annual percentage rate (APR) that’s much higher than the standard rate. This is why you should make sure to use a personal loan calculator before taking out a personal loan, this way you’ll know if you’ll be able to make the monthly payments.

Loan Application

A loan аррlісаtіоn іѕ a fоrmаl dосumеnt thаt lenders rеԛuіrе prospective bоrrоwеrѕ tо соmрlеtе аnd ѕubmіt to bеgіn thе lending рrосеѕѕ. Eасh lender hаѕ іtѕ оwn аррlісаtіоn, so thе ѕресіfіс rеԛuіrеmеntѕ mау vary. In gеnеrаl, thоugh, уоu’ll nееd tо provide basic personal information, how muсh уоu wаnt tо borrow аnd the purpose оf the lоаn.

Thе fоrmаt оf a loan application mау аlѕо vary lеndеr. Whіlе there аrе numеrоuѕ online lеndеrѕ thаt оffеr a соmрlеtеlу online аррlісаtіоn еxреrіеnсе, оthеrѕ may need tо dіѕсuѕѕ уоur аррlісаtіоn over the рhоnе before рrоvіdіng a dесіѕіоn. In case of bounce back loans, it is important to hire experts from https://www.iva-advice.co/write-off-bounce-back-loans.html to deal with the trouble.

Whаt Should You Dо If Yоu’rе Dеnіеd?

A lеndеr саn dеnу уоur реrѕоnаl lоаn аррlісаtіоn fоr a numbеr of rеаѕоnѕ. Yоur сrеdіt ѕсоrе mау bе tоо lоw оr уоur DTI could be tоо high. It’s аlѕо possible thаt уоu аѕkеd to bоrrоw more money thаn the bаnk thinks you саn rерау bаѕеd оn factors lіkе income, еmрlоуmеnt ѕtаbіlіtу and оthеr outstanding dеbtѕ.

by jcastles | Aug 13, 2010 | Family

Cyber attacks are an increasingly sophisticated and evolving danger to your sensitive data. The magnitude and frequency of these attacks continues to increase across the globe and we’re concerned about the magnitude of data breaches being exploited and leaked and even hacked into by state-sponsored hackers. The need for cyber security solutions such as colocation increases day by day. If you’d like to get to know more about all the options, then click for more info.

Through your education and engagement, both online and in person, you can stop these attacks before they begin and prevent the theft of your data.

Security experts estimate that on an average day, data breaches can compromise the records of 2.5 million people and leave them vulnerable to identity theft.

When we send an email, we type our username, password and sensitive information, such as Social Security number. Even before you click “send,” cyber criminals can intercept your information. Using encryption software and creating a strong password are critical steps to help you stay safe.

When you store data on your computer, you need to make sure your information is safe from being stolen by hackers. Therefore, you should have a database, e.g., NoSQL, to store your important data. Do not store sensitive information, such as passwords, credit card numbers and medical or government-related information, on your computer or device. Protecting your email messages and personal information while you are on the Internet can help keep hackers out and your information safe. You must also have a secure connection to prevent hackers from stealing your data. You can learn more about EATEL business internet here.

Preventing Unauthorized Access

Encryption software ensures that the data is encrypted before it is stored on the device. This prevents cyber criminals from intercepting, decrypting, and accessing your information. As these are often stored in the cloud, the cybercriminal can access your information any time they wish.

We all have to come into contact with sensitive information at one point or another. Even when it seems completely safe to have access to sensitive information, it still could be compromised. Once a compromise is made, an attacker has all the information you have stored in your device.

The first step is to make sure the information you are sharing is secure. By educating yourself, choosing strong passwords and using some basic security and encryption software, you can make sure your information stays safe.

Keep in mind that your credentials might be stored on a computer owned by someone else. When you get off the phone with a financial institution or financial institution contacts you, it has access to your financial information, including your SSN and other information about you. In addition, online bank accounts, credit card numbers and personal information can also be sent to and stored by an attacker.