Stewart Heating and Air, Inc
Tuesday, March 26, 2019

Computer Virus and Fraud Protection

With computer use at home, computer hacker interest in home computers is also growing. The Associated Press reports that home computer threats are increasing. How do you protect yourself?
  1. Use passwords that are difficult or impossible to guess.
  2. Make regular data backups - full backups weekly and incremental backups every day. At least once a month, the backup media should be verified.
  3. Use virus protection software and scan all the files on your computer periodically.
  4. Use a "firewall" between your computer and the Internet if you keep your computer online with DSL or cable modem.
  5. Do not keep computers online when not in use.
  6. Do not open e-mail attachments from strangers, regardless of how enticing the Subject Line or attachment may be.


Insure Your Home

Not all homeowners realize what's covered - and what's not. Homeowners insurance varies by company and by policy, and typically pays for all or part of the cost from damage sustained from natural disasters. When losses occur, claims are calculated based on what your policy allows. If you insure property for "actual cash value," insurance payments will be calculated based on what the item would cost to be replaced, minus a deduction for its depreciation. Because costs to replace the item could be substantially higher than the original purchase price, many homeowners opt for "replacement cost" coverage. The loss amount is calculated on what it would cost to replace the item, but without a deduction for depreciation. However, land insurance is not necessary because it's not at risk of being stolen or destroyed by natural disaster.

Make Organization a Family Affair

Organizing a child's room can be quite a feat. Here are a few tips to help you tame the toy collection and create a better space for your child to play.
  1. Corral clutter by designating bins in each room for toys that need to be put back in their place. These bins, however, should be emptied daily and not allowed to overflow.
  2. Keep things in reach. Toys, unless they require adult supervision, should be accessible to prevent climbing.
  3. Create rules designed to keep the space organized. Have your children help you in the organizational process to avoid later frustration when they don't know where something is or don't know where to properly place an item.
Source: Reader's Digest,

Landscaping Mistakes

Far too often homeowners succumb to landscaping mistakes. Here are a few:
  • Lawn ornament overkill: Too many lawn ornaments can take away from the natural beauty of the landscape.
  • Too much color: Too much color can be distracting when your landscape is viewed.
  • Pruning willy-nilly: Over-pruning or pruning at the wrong time can harm a plant. Learn about your specific plant's needs.
  • Improper plant locations: Take into consideration the proper sunlight and soil your plants will need.
  • Scalping the lawn: Cutting your lawn short doesn't mean less mowing. Keep the blades longer to maximize water retention and promote soil shade.

Home & Organizing