Did you know your credit score can change every day? Your credit score or FICO score is a three-digit number used by lenders to help them decide whether or not to lend you money and at what interest rate. Knowing what lenders see as risky can help you avoid mistakes that can damage your credit score for years.

Here are some of the factors lenders look at:

Payment track record

How much debt owed

Credit history

Established credit

New credit inquiries

Types of credit accounts

If you want to have the best credit score possible there are a few basic things that, if done on a regular basis, should improve a credit score:

Pay all of your bills on time, every time.

Keep your credit card balances low.

Only open new credit when necessary.

Once you’ve lived in your home for a while it’s easy to become relaxed on security. Maybe it’s because you live in a safe neighborhood, or maybe you just have a habit of not locking doors. Regardless of the reason, practicing good security can pay off in a huge way protecting yourself, your family, and your belongings from harm.

In this article, we’re going to cover some home security basics that you might be forgetting and help you build a habit of taking care of them. Read on to learn some tips for security at home.

Safety hazards

Some of the most common safety hazards to your home are completely preventable. Hazards like fire and carbon monoxide are both easily averted by safe practices when it comes to cooking, electronics, and using open flames of any kind. Follow these tips to protect yourself from fire:

  • Install fire and CO detectors throughout your home. Set a reminder in your calendar to check the batteries yearly or however long is recommended on the detector.
  • Make sure your family knows basic cooking an electronics safety such as how to properly use ovens, microwaves, and power outlets.
  • Teach your family the proper use of fire extinguishers and have a fire safety week at your home where you cover the aforementioned topics, as well as how to evacuate the house in case of a fire.

Burglary

According to the FBI, break-ins are the number one most common threat to a home. There is a break-in every 15 seconds in America. Follow these tips to prevent break-ins at your home:

  • Don’t leave spare keys outside your home or on your porch. Similarly, don’t leave spare keys on or in your vehicle.
  • Make sure your doors and windows lock properly. Burglars will often move past a home if they cannot easily enter through the front or back doors. Installing a deadbolt will add to the integrity of your doors.
  • Don’t keep valuable items like laptops, televisions, or expensive sound systems in plain sight from the road.
  • Change the locks when you move into a new home and keep track of the number of key copies that are made.
  • Keep a fireproof, waterproof, heavy safe in your home with important or dangerous items stored inside. This includes jewelry, important documents, and firearms & ammunition.
  • Get to know your neighbors and agree to keep an eye on one another’s homes, especially when one of you is away. Install motion sensor lights and find out if your neighbor uses them. Similarly, have them pick up your mail when you’re away so it doesn’t seem obvious that your house is empty.

The Role of the internet and technology

Technology can be a useful tool in making your home safer or it can be an easy way to advertise that you are vulnerable to a break-in. Follow these tips when it comes to technology-related security:

  • Don’t post pictures of valuable items on social media
  • Don’t advertise to your social media “friends” when you are going away. This could be an invitation to break in.
  • Installing a security system or even some dummy cameras and alarms can be a great deterrent.
  • Use encrypted cloud storage to keep your data safe. That includes copies of birth certificates, social security cards, family photos, wills, and more.

 

Finish That Basement!

On November 17, 2016 By
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