How to guide

JULY 2016

How-To

GUIDE

Protect your personal information

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In this digital age, it’s easier than ever for would be thieves to steal and profit from your personal information.

Credit card numbers can be stolen from online shopping sites, bank account information can be lifted from unsecured pay-by-phone or online services, and all it takes is an overheard phone conversation on a cell phone for social security numbers and other personal information to be acquired. However, while you may put extra effort into safeguarding your information from technological threats, don’t overlook the other ways to protect your valuable information. Here are some tips to keep you safe.

Maintain a paper trail - Keep a copy of all your important documents locked up in a safe place, like a safe-deposit box or personal safe at home. This includes the contents of your wallet (go ahead, dump it all on a copy machine and photocopy both sides of every card you have), passport, birth certificate, marriage license, etc. It’s much easier to replace these documents if you know what you had on hand and the account and phone numbers to call if you have to cancel cards or accounts.

Check safety - With debit cards and credit cards a favorite for paying bills and more, you may wonder if paper checks are even used anymore. They are, and you should maintain a level of caution when ordering and designing your checks. The next time you place an order,

only have your initials put on the check.

This way, if your checks are stolen, the crook will not know how you sign your checks - but your bank will. Also, see if you can forgo the address and phone number inclusion on the checks. If not, put a P.O. box or your work/ cell number on them instead. Never print your social security number on the check. This way, a thief will not have access to your account number, address, name and phone number. The less puzzle pieces he has to put together, the less likely he’ll be able to do anything adverse against your identity.

Spread the word - If your wallet is stolen, be sure to cancel your cards immediately by reporting the theft to the respective credit card companies. You should already have those numbers handy because you made a photocopy of the cards prior. Also, immediately call the three national credit reporting organizations and place a fraud alert on your name and Social Security number. This way, these organizations will know personal documents of yours were stolen and not hold any liens or unauthorized purchases against you. It’s also a good idea to file a police report immediately in the jurisdiction where your items were stolen. This proves to credit providers that you were diligent in reporting the theft, and is a first step toward an investigation being conducted.

Securing credit cards - When writing out checks to pay your credit card bills, or when referencing your account over the phone, etc., use only the last four digits of the account number. The credit card company knows the rest of Here are numbers to add to your the number, and anyone who might be phone book: handling your check or account will not · Equifax: (800) 525-6285 have access to your full number. Also, · Experian (888) 397-3742 don’t sign the back of your credit cards · Trans Union (800) 680-7289 because, if they are stolen, a thief will · Social Security know what your signature looks like and Administration fraud line can practice replicating it. Rather, place (800) 269-0271 the words “Photo ID Required,” which will prompt retail merchants to ask for a photo ID in order to complete the purchase process. If a cashier fails to look on the back of your card, alert him or her to this fact, and bring up the matter with a store manager.

How-to guide

JULY 2016

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My Bank Is Mobile, Just Like My Family

We don’t always have time to get to the bank. That’s why we use mobile banking.

With mobile banking we can pay bills, transfer funds, and more all from our smartphones. Now the time we used to spend at the bank, we spend with the kids. My bank is mobile, just like my family.”

“We don’t always have time to get to the use banking.

“Webank. don’tThat’s alwayswhy havewe time tomobile get to the bank. That’s w With mobile banking we can pay bills,With transfer funds, and we more from ourtransfer funds, a mobile banking canallpay bills, smartphones. Now the time we used to spend at the bank, spend withtothe smartphones.

Now thewe time we used spend at the b kids. My bank is mobile, just like my family.” kids. My bank is mobile, just like my family.”

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Help your skin survive summer by giving it the protection it needs

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O ur skin protects us from inj uries, Read on for tips on how to protect your skin this bacteria and disease, so shouldn’t we do summer: the same for it One in five Americans Apply sunscreen at least 15-30 will develop some form of skin cancer m inutes before you he ad outside. in their lifetim e, which is why one of the A good rule of thumb is to put on best things we can do for our largest orenough lotion that it takes a full gan is to know how to care for it. m inute to rub in.

The sun’s ultraviolet (U ) rays can If you’re headed to the beach or wreak havoc on unprotected skin, which going swim m ing, spread at least can lead to harm ful effects of sun expoone ounce (about one shot-glass sure. The best way to avoid trouble is to full) on your face and body. block U rays when you’re out during A sunscreen with a sun protection the day . factor (SP ) of at least 30 should S o, j ust what happens if you don’t be reapplied every two hours. protect your skin over the course of your R em em ber that sunscreen needs lifetime Over time, the sun’s U light to be reapplied after being in damages the fibers in the skin called water or sweating. elastin and collagen. hen these fibers Stay away from the sun in the break down, skin begins to stretch, sag, middle of day (10 a.m. to 4 p.m.). wrinkle and bruise or tear m ore easily .

U exposure can also cause mutations in skin cells that lead to brown spots and skin cancer.

lock the sun with protective clothing and seek shade whenever possible. There are m any c om panies that now m ake swim shirts, wraps and hats that promise a U Protection actor (UP ) of SP 50 or higher.

Don a pair of U protective sunglasses to protect the eye s and prevent squinting (for fewer wrinkles)

How-to guide

Le Sueur

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JULY 2016

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How to know if it might be time to talk with a therapist?

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The benefits of therapy are numer- Some common reasons given: ous and the reasons someone might go to I worry all the time. a therapist are nearly infinite. A quick asI cry at the drop of a hat. sessment of the following may help you I can’t sleep. decide: Have I experienced a change in I sleep all the time. my sleep, appetite or mood in the last few I don’t seem hungry. months Have I stopped doing things I feel hungry all the time. that I once enjoyed Have I started or I am irritable. I keep yelling or increased doing things that I know aren’t saying hurtful things that good for me Have others expressed I don’t mean. that they are worried about me Has I am stuck in a rut. I go to work, my child regressed in their development come home, sit on the couch and (toileting, baby talk) or become more irwatch T . Nothing is fun ritable, tearful, or angry Have you been anymore. pre-occupied with a worry or memory to It was scary, I thought about the point that it is interfering with your killing myself last week. role as parent, worker, spouse or friend It came out to the blue.

Have you found it difficult to make/keep I can’t seem to get over my relationships mom’s passing. I just cry.

I have been drinking more lately.

I keep remembering things from the past that I want to forget. e argue all the time. I want something to change.

Therapy is a confidential place to talk about and assess things that are bothering you. Someone that won’t judge you and that will help you decide what you would like to do next.

o

How-to guide

JULY 2016

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Counseling Services of Southern Minnesota Now in 2 locations!

Le Sueur Hours: Monday-Thursday 9-5pm; Fridays 9-4pm St. Peter Hours: Monday-Thursday 8-7pm; Friday 8-4pm We have immediate appointments available in our Le Sueur and St Peter sites.

Give us a call, we are here to help.

“Working together towards healthy change”

760 S Elwood Ave, Le Sueur MN 1306 Marshall Street St. Peter, MN 507-931-8040 www.counseling-services.org

Medicare - MA - Commerical

Beer 101 The Basics of Beer

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B eer is the sim plest and m ost com plex of beverages, all at once.

Simple enough that the ďŹ rst beer was probably an accident. G rain, water and wild ye ast from the air com bined by chance, and ferm ented. S om e brave passer-by tasted the foam y result, and was no doubt am az ed at its intoxicating effect ( S ee also: T he D awn of R eligion) .

B y 4,0 B C , the S um erians had perfected ways to replicate that m iraculous process.

S im ple, because it is m ade from as few as four ingredients: grain, water, hops and ye ast. B ut beer is also com plex. G iven those few ingredients, brewers have crafted seventy or m ore distinct beer styl es and thousands of individual interpretations. B y varyi ng the am ounts or characteristics of the four ingredients, adding new ingredients, or by altering even a little the tim ing

or tem perature of the brewing process, PILSNER/PILS F rom the C z ech city of m aster brewers create today’ s astound- P ilsn. A fragrant, golden lager with lots ing variety i n the beers you dr ink. of S aaz hops. D eep golden, slightly m alty , the classic C ontinental brew. T he INDIA PALE ALE V ery hoppy , som ewhat nam e has been borrowed by brewers all stronger version of pale ale, m ade to last over the world. the voya ge from the U K to India in the PORTER B lended P ale A le and sweet 180s . Whole hops were added to the stout were thought to be the original wooden casks j ust before shipping, a beers m ixed together to produce this process called dry hoppi ng. brew for the porters of L ondon. B rewSTOUT V ery dry , roasted black ale ers eventually m ade their own versions m ade fam ous by the G uinness B rew- of this styl e. ery of Ireland. E qua lly fam ous for the LIGHT BEER L ow calorie, golden A m ercream y head that nitrogen gives beer. ican lager. U sually under 10 calories S weet versions available in the U K . per 12 oz . s erving.

PALE ALE T raditionally , the bottled version of B itter. C opper colored, and hoppy , the m ost popular ale in the U K . A West C oast version is m ore golden, and can be qui te hoppy .

How-to guide

s ’ N M n r e h t Sou ! n o i t a n i t s e D r e e B

JULY 2016

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on Third

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Social Media for Small Businesses

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Y ou’ve heard people talk about social m edia. B ut does your business need to have a social presence? P robably .

74% of all internet users are on social m edia today . T his m eans you can reach individuals with buyi ng power here. F acebook, T witter, L inkedIn, Instagram , P interest and S napchat are the prim ary social platform s today – but beware, their popularity can change qui ckly .

S ocial m edia serves m ost businesses well. U se it to build your brand equi ty and provide an open com m unication forum with your custom ers and prospects with little to no out of pocket cost. B ut if you want to do social, you m ust com m it. It is better to wait to start and begin posting weekly , than it is to j um p in too qui ckly , post daily for a few m onths and then let your posting fizzle out.

A lot can go into a full blown social

m edia strategy , but if you’ re j ust getting Make a content calendar and schedule. started, here are a few sim ple pointers.

A fraid you won’t be able to keep up?

M ake a content calendar to plan what Align with your brand. E nsure all of your you’ ll post. A nd if your content allows, “ about” section inform ation is com plet- schedule in advance using F acebook’s ed and aligns with your other m arketing free tool. T his way you can j ust check in m aterials and brand voice. Write your on your page daily and not have to com e posts/ tweets/ im ages in your brand voice up with content on the spot. for consistency .

Be visual when you can. S nap photos that D o you think you’ re ready? Will you em body the value your business’ prod- m anage your own accounts, or get som e ucts or services provide. H appy fam ily help? G ive m e a call or em ail, and we enj oyi ng the sum m er? S traight teeth? A can figure that out together. beautiful garden?

Be consistent but selective. B e consistent in posting content regularly . 3 tim es a week is a good goal for a business.

H owever, be selective. If som ething isn’t relevant to your business and the value it provides, save it for your personal account. E ach post represents your business – m ake it count.

How-to guide

JULY 2016

Do you want more business?

Yes

No

Do you have a website?

No

Yes

Do you need a website?

Is it mobile responsive?

Yes

No

Okay, then.

Okay, that’s your call.

Yes

No

Call me!

No

507-444-2383

Do people visit it?

Yes

Elizabeth Williams Multimedia Specialist 507-444-2383 ewilliams@owatonna.com

ssm mlD

That’s great!

If you ever need help in the future, give me a call!

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page 11

How-to guide

JULY 2016

page 12

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