5 Tips To Protect Your Connected Devices And Electronic Identity

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Resourceful thieves and cyber criminals continue to find new ways to hack U.S. consumers’ sensitive personal information. Dumpster diving, stolen or lost wallets and mail fraud should still be concerns, but the digital age of tablets, smartphones, PCs and Wi-Fi networks leaves people even more vulnerable than ever.

Think about it: Have you ever stored credit card information on your phone for added convenience to make payments in a checkout lane? Do you ever store passwords in apps to transfer funds between accounts? And what’s to keep hackers from accessing a wireless network you check your email on while you’re grabbing a quick cup of coffee?

Said Jane Li, Mercury Insurance’s director of product management,

More than 15.4 million people a year will experience identity theft, with an average loss of more than $1,000

"When one access point closes due to added levels of security, cyber attackers find another. Insurance companies like Mercury provide services that allow homeowners and renters to enjoy the convenience of accessing their connected devices at home and on-the-go, while also helping to protect customers from the potentially devastating effects of criminal infiltration, cyber extortion and identity theft."

Keeping aware of the latest schemes and ensuring members of your household, friends and others you care about have the right tools helps stop criminals in their tracks.

Following are five do’s and don’ts to help protect your connected devices, as well as your electronic identity, from hackers.

• Do power down your devices. This disables the internet connection, cutting off access to any personal information stored on your computer, tablet or phone. Unattended machines, especially if you’re asleep or you leave them at home while on vacation, are easy targets for hackers.
• Don’t connect to unsecured wireless networks. Information accessed on an open network, including email passwords and sensitive bank information, is fair game for hackers. Don’t make their jobs easier. Turn off Wi-Fi access on your devices unless it’s a password-protected network you trust.
• Do monitor your children’s device usage. It’s a good idea to limit use of computers, tablets and phones to public areas within the home like the living room or kitchen. This makes it easier for parents to keep an eye on who their kids are communicating with, especially on social media or gaming sites, to help prevent the sharing of sensitive information like full names, addresses or other things that can be used for identity theft or other potentially dangerous activities.
• Don’t discard important paperwork without shredding it. If it has your name and address, it presents an opportunity for thieves to take advantage and open an account using your information. Remember to shred expired insurance documents, vehicle registrations, bills, loan pre-qualifications and other paperwork that would allow someone to call in pretending to be you. Check your credit reports at least twice a year to ensure all accounts opened in your name are valid.
• Do install recommended updates. Smartphone, computer, tablet and smart TV manufacturers, among other providers of connected devices, offer periodic software updates to protect against potential security breaches. Chances are, if an update is recommended, hackers have already discovered a w[ay to access your personal property and information, so keep your software up-to-date.

Li recommends homeowners and renters speak with their local insurance agent to learn more about the endorsements they may be able to add to existing policies to help safeguard their finances if their identities are compromised or connected devices are attacked.

"It can be daunting to try to regain your financial footing if a criminal takes advantage of you," said Li. "Insurance exists to help protect consumers from unexpected events and, in this case, it’s better to be safe than sorry."

Expert Tips To Reduce Workplace Stress For Better Health

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Feeling stressed at work? If so, you’re not alone. A recent Gallup Poll on stress, worry and anger revealed that 55% of Americans said they experienced stress “a lot” during the day, up from 46% in 2006.

In the workplace, stress can affect your attitude, relationships with colleagues and work performance. Although a modest amount of stress is normal, high levels of stress can be dangerous to your health and may contribute to serious health problems such as high blood pressure, heart disease, diabetes, anxiety and depression.

But there are ways to help manage stress. Ann Marie O’Brien, R.N., national director of health strategies, UnitedHealthcare, shares the following tips that may reduce your workplace stress and get you back on a healthy track performing at your usual best.

1. Talk to your boss.

Consider having an open discussion with your boss about the stressors associated with your work responsibilities. Ask if there is an opportunity for additional skills training, or possibly even restructure your job to make it more manageable and better aligned with your interests and skills. Also, check if your company has an employee assistance program (EAP), which may provide available counseling and online resources.

2. Brush up on your time-management skills.

We’ve all had days when it seems impossible to get everything done. In some cases, poor time management is the reason we feel this way, which then may trigger stress. For your next work assignment, talk with your supervisor before getting started to plan realistic goals, priorities and deadlines.

3. Take advantage of workplace well-being programs.

An increasing number of employers are offering well-being programs through their health plan and are making healthier food options available in the workplace. Some employers offer gym reimbursement programs such as UnitedHealthcare’s Gym Check-In, have onsite workout rooms, offer stand-up desks, and encourage walking meetings and well-being challenges like taking the stairs. For your physical and mental health, combine exercise with a well-balanced diet, O’Brien said.

4. Grow your support network.

If you have a close colleague at work, talk with that person and explain your work stressors and brainstorm possible solutions. If you don’t, then reach out to friends and loved ones. It’s important that you don’t isolate yourself after a stressful event.

5. Focus on yourself.

If you’re feeling stress, a simple treat such as going to a movie, enjoying your favorite meal or just getting away to take a brief walk can give you time to unwind and recharge. If you cannot get a handle on your stress, talk to your doctor. She or he may recommend a counselor who could help you find other ways to help reduce or manage the unhealthy stress in your life.

4 Tips To Prevent And Treat Health Issues On Vacation

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It's the night before your long-awaited vacation. You've triple-checked your suitcase, checked into your flight and notified the bank of your travel plans. Everything is ready to go, but even the most experienced travelers can’t predict the unexpected health hiccups that might arise along the way.
Before heading off, keep in mind these minor, but common, health concerns and be sure to pack the right items to help protect yourself and stay comfortable once you arrive.

Motion sickness

Whether traveling by plane, train, car or boat, sometimes just the slightest bit of constant movement can trigger motion sickness, suddenly making you feel queasy, dizzy and nauseous. Typically, motion sickness occurs when your senses receive confusing signals from your environment. The first thing to do is stay calm, relax and try to focus on something else, such as counting backward from 100. Natural remedies to provide relief include raw ginger and mint, so bring along a pack of flavored teas or mint-flavored chewing gum to help soothe your symptoms.

Hemorrhoids

Extended time sitting during long travel days, sudden diet changes and destinations that may have you further away from the usual bathroom amenities can all lead to backside discomfort and the potential onset of hemorrhoids. Pack Preparation H Rapid Relief Totables Wipes with Lidocaine for portable pain relief from hemorrhoids when you’re on the go. The individually wrapped wipes provide rapid numbing relief, reduce swelling and are flushable, making them a perfect, discreet item to bring along.

Sunburn

It goes without saying that using sunscreen to protect yourself from the sun’s damaging rays is crucial. But let's face it - sometimes sunscreen application can be spotty and reapplying every two hours can fall by the wayside when having fun, which can ultimately bring on a painful sunburn. In addition to the sunscreen you already had in your bag, be sure to pack a moisturizer with aloe vera to help soothe skin and ibuprofen to help reduce any swelling, redness and discomfort caused by sunburn.

Blisters

If your travel plans involve walking or hiking long distances, you may experience blisters while on the move, as it only takes a little friction and moisture for them to pop up. Whether you’re climbing a mountain solo or trekking through an amusement park with the family, make sure to pack adhesive bandages and extra socks to help prevent and treat blisters. The bandages can act as another layer of skin, preventing the formation of blisters, while extra socks can help reduce friction.

Planning for these minor health issues is as easy as tossing items in your purse or bag. Vacation is supposed to be fun, spontaneous and relaxing, but keeping these extra precautions in mind before you leave ensures minor health inconveniences don't get in the way of enjoyment during and after your trip.

Three Ways Millennials Can Start Saving More Money

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For too long, Millennials have gotten a bad rap about money and their ability to save for a rainy day or retirement.

However, a new "Relationship With Money" survey by financial services firm Edward Jones found that not only do more Americans born between 1981 and 1996 consider themselves "savers" than those in their parents' Gen-X cohort (48 percent vs. 46 percent), but that Millennials also were better at socking away emergency funds (75 percent vs. 66 percent).

That’s right. The same Millennials whose motto could be "Why buy a car when you can Uber?"

"This debunks the myth that Millennials aren't as financially focused as other generations," says Edward Jones investment strategist Nela Richardson.

And the survey isn’t some outlier. It's supported by other research.

The Federal Reserve Survey on Consumer Finances found that while Millennials are deep in debt, more than 42 percent have retirement accounts, the highest share for those under 35 years of age since 2001.

Part of what’s driving Millennials' emphasis on saving could stem from lingering memories of the Great Recession.

"Back in the late 2000's, the oldest cohort of millennials entered the worst job market since the Great Depression of the 1930's," says Richardson.

"For younger millennials, watching their parents and other family members go through that experience may have also made them more aware of the risks of a market downturn or some other unexpected event, such as losing a home or a job, and so they're more conservative when it comes to spending and saving in their adult lives," says Richardson.

One potential alarm bell uncovered by Edward Jones' sampling of more than 2,000 adults nationally age 18 and over: While 92 percent were honest enough with themselves to recognize there was room for improvement in their financial health, the very thought of saving money sufficed to make more than a third feel either "anxious" or "overwhelmed."

If that sounds familiar, here are three steps to consider:

• Identify your money-related emotions. People often have emotional responses to money. Getting a big bonus at work can make you feel euphoric; agonizing over what to do with it can be paralyzing even as the logical part of your brain (invest at least most of it) fights it out with the emotional part (splurge it all!). What’s key is knowing that letting your feelings dictate your spending, saving and investing choices can lead to poor decisions.
• Develop a financial strategy. Keeping your cool starts with identifying your main goals – a down payment on a new home, college for your children, a comfortable retirement – and then sticking to a sound, long-term path for attaining them.
• Get an "accountability partner." Meaning, someone with whom you're comfortable sharing your finances. It could be a family member. Or a professional financial advisor, such as a local one at Edward Jones, who has the perspective, experience and skills necessary to help you make the moves appropriate for your situation.

"Whether you are strapped with student debt, saving to buy a home or trying to build an emergency fund, there are trade-offs that must be made in balancing these short-term goals and our long-term financial future, such as investing for retirement," Richardson says. "Without a sound financial strategy, most people tend to be reactive rather than proactive and feel that their money is controlling them."