Date Archives: November 2021

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November
15

 

More Email Best Practices: How should you handle junk email?

From Your Friends at Integrity Computer Consulting and Repair

A spoofed profile is where a scammer copies your profile and pretends to be you. The scammers use the information that the original profile makes public.  This includes

We all are familiar with that random email from a weird sender that makes it into your inbox, that phishing attempt on your non-existent Dropbox account, a message to verify your Apple ID, or even emails you may have subscribed to that are just plain annoying… how do you get it to stop?  Unfortunately, email spam is almost more common than legitimate messages it seems. 

How you handle email messages is super important.  Email servers like Gmail, Office 365, Yahoo!, etc. and mail programs on both computers and phones like Outlook, Thunderbird, Microsoft Mail app, etc. are heuristic and learn how you handle email.  The trick is staying on top of it and being consistent. Simply deleting messages does not help.

Our best practices for messages that are spam and junk?

  1. Mark junk and spam messages as such, ALWAYS.
  2. Do not open junk messages if you don't have to.  If you do, do not click on any content within it once you determine it's spam/junk.
  3. You can always right-click on any message for more options, and find the option to move to junk or report as spam.  You can also check the box for a single message or multiple and use the menu at the top of your email provider or email program to handle it accordingly.
  4. If an email is junk (random advertising or content), move to your junk or spam folder or report it as spam.
  5. If an email is phishing (asking you for personal or account information) definitely report it as spam. Reporting emails tells a mail server important information.
  6. Block senders or domains if necessary.
  7. Unsubscribe from email lists you know you signed up for but don't want to receive emails from (usually an unsubscribe link can be found at the bottom of the email).  Do not use the unsubscribe function on emails you do not recognize.
  8. Covet your email address, especially if it is used for business or real personal use; don't use it to sign up for anything.
  9. Create and use a separate email address that you use specifically for spam content like newsletters, rewards programs, and the like. 
  10. If you are unsure of the validity of an email, send it to an IT professional you trust to check it out for you. We are happy to let you know if something is legitimate or not and how to handle it.  (However, if it is truly spam, it will sometimes get stuck in our spam filter; so if you do not receive a timely response, please call our office!)

If you need help with anything listed above, this can be done remotely.  Please call our office (208-288-4345), or email us (info@integrityidaho.com) if you have any questions or need immediate assistance!

November
8

The last 18 months changed what many buyers are looking for in a home. Recently, the American Institute of Architects released their AIA Home Design Trends Survey results for Q3 2021. The survey reveals the following:

  • 70% of respondents want more outdoor living space
  • 69% of respondents want a home office (48% wanted multiple offices)
  • 46% of respondents want a multi-function room/flexible space
  • 42% of respondents want an au pair/in-law suite
  • 39% of respondents want an exercise room/yoga space

If you're a homeowner who wants to add any of the above, you have two options: renovate your current house or buy a home that already has the spaces you desire. The decision you make could be determined by factors like:

  1. A possible desire to relocate
  2. The difference in the cost of a renovation versus a purchase
  3. Finding an existing home or designing a new home that has exactly what you want (versus trying to restructure the layout of your current house)

In either case, you'll need access to capital: the funds for the renovation or the down payment your next home would require. The great news is that the money you need probably already exists in your current home in the form of equity.

Home Equity Is Skyrocketing

The record-setting increases in home prices over the last two years dramatically improved homeowners' equity. Odeta Kushi, Deputy Chief Economist at First American, quantifies the amount of equity homeowners gained recently:

"Remember U.S. households own nearly $35 trillion in owner-occupied real estate, just over $11 trillion in debt, and the remaining ~$24 trillion in equity. In inflation adjusted terms, homeowners in Q2 had an average of $280,000 in equity- a historic high."

As a homeowner, the money you need to purchase the perfect home or renovate your current house may be right at your fingertips. However, waiting to make your decision may increase the cost of tapping that equity.

If you decide to renovate, you'll need to refinance (or take out an equity loan) to access the equity. If you decide to move instead and use your equity as a down payment, you'll still need to mortgage the remaining difference between the down payment and the cost of your next home.

Mortgage rates are forecast to increase over the next year. Waiting to leverage your equity will probably mean you'll pay more to do so. According to the latest data from the Federal Housing Finance Agency (FHFA), almost 57% of current mortgage holders have a mortgage rate of 4% or below. If you're one of those homeowners, you can keep your mortgage rate under 4% by doing it now. If you're one of the 43% of homeowners with a mortgage rate over 4%, you may be able to do a cash-out refinance or buy a more expensive home without significantly increasing your monthly payment.

First Step: Determine the Amount of Equity in Your Home

If you're ready to either redesign your current house or find an existing or newly constructed home that has everything you want, the first thing you need to do is determine how much equity you have in your current home. To do that, you'll need two things:

  1. The current mortgage balance on your home
  2. The current value of your home

You can probably find the mortgage balance on your monthly mortgage statement. To find the current market value of your house, you can pay several hundreds of dollars for an appraisal, or you can contact a local real estate professional who will be able to present to you, at no charge, a professional equity assessment report.

Bottom Line

If the past 18 months have refocused your thoughts on what you want from your house, now may be the time to either renovate or make a move to the perfect home. Contact us today to help guide you through the process and help determine what makes the most sense for you!

November
4

Entryway Tips

Your entryway is the first space guests experience when they step into your home. And more importantly, it is the first space you experience when you get home! As such, you really want your entryway to feel warm and welcoming. Here are a few useful tips to help you make your entryway a sight to behold.

Click Here to Read More...

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