A little more than half of Americans make New Year’s resolutions, but roughly 8% actually succeed in meeting their goals.
Come the first of January, hoards of enthusiastic resolutioners account for the spiking sales of gym memberships, smoking cessation programs, diet programs and many other self-help programs. By the second week of February, some 80 percent of those resolutioners are facing remorse and disappointment in themselves for falling out of line. Why is it that such good intentions seem so elusive?
Changing your behavior, whether it’s eating less, exercising more, quitting smoking, etc., is very difficult. Research has repeatedly proven the ways in which exhaustion depletes our willpower and generates an unavoidable state of stress. A well-rested person will have a much easier time resisting that cookie than a sleepy one. And studies have also shown that people who don’t get enough sleep aren’t just more tired, but are also more distracted.
With this in mind, here are 5 other useful tips to help you create, maintain, and succeed with your New Year’s Resolutions:
It’s about you!Make it something you actually want, not something you should want or what everyone tells you it should be.
Get proper rest!Without a good night’s sleep, the next day is challenging enough on it’s own without the added challenge of self control when you’re feeling week.
Cultivate optimism. Positivity may be blocked by habitual pessimism, but if you are determined to stop complaining (to yourself and others) you can prevail. Pessimism is an instinctive habit most of us have and should be considered when making your resolution as a by-product of your resolution.
Keep spirits high.Sometimes it feels impossible to cultivate optimism. At those times, try a different approach. Do something that makes you happy like watching your favorite movie, listening to your favorite song or doing something creative.
Account and reward. Don’t focus on the goals as much as the achievements. For instance, by quitting smoking you can save an average of $35 per week or cutting back on meals may save you an average of $80 per week. This adds up.
Perfection is unattainable. Remember that minor missteps when reaching your goals are completely normal and OK. Don’t give up! Everyone has ups and downs. Resolve to recover from your mistakes, get back on track and make 2017 your year!
Now that we are in the midst of theHoliday Shopping Season, we are trying to find ways to complete our gift lists while avoiding the hassle of crowded shopping centers, parking lots and all of the other external stressors that subtract from the joys of gift giving. Many people have chosen to bypass these hassles all together by doing all of their shopping online.
While shopping online is convenient in so many ways, it also has it’s own set of precautions that we need to consider. Anything device connected to the Internet, including smartphones and tablets need to be protected – especially during heavy use periods, like the holidays. Scammers and cyber criminals can easily target shoppers.
Being a safe and secure shopper starts with careful safeguards. Think about the consequences of your actions online before you act and enjoy the conveniences of technology with peace of mind while you shop online.
Here are some great tips to help you find the ease of internet shopping to be a safe experience as well:
Use Familiar Websitesrather than shopping with a search engine. Search results can be rigged to lead you astray. If you know the site, chances are it’s less likely to be a rip off. We all know Amazon.com and that it carries everything under the sun; likewise, just about every major retail outlet has an online store, from Target to Best Buy.
Beware of misspellings or sites using a different top-level domain(.net instead of .com, for example)—those are the oldest tricks in the book. Yes, the sales on these sites might look enticing, but that’s how they trick you into giving up your info!
Look for the Lockand NEVER buy anything that doesn’t have SSL (secure sockets layer) encryption installed—at the very least. You’ll know if the site has SSL because the URL for the site will start with HTTPS:// (instead of just HTTP://). An icon of a locked padlock will appear, typically in the status bar at the bottom of your web browser, or right next to the URL in the address bar. It depends on your browser.
Conduct research when using a new website for purchases, read reviews and see if other consumers have had a positive or negative experience with the site.
Personal information is like moneyso value it and protect it!When making a purchase online, be alert to the kinds of information being collected to complete the transaction. Make sure you think it is necessary for the vendor to request that information. Remember, you only need to fill out required fields at checkout.
Be on alertfor emails that might get us to act quickly and click through links and open attachments. Be wary of emails about problems with your credit cards or an account or the status of online order. Criminals know we are price sensitive when shopping online. Exercise caution when seeing and ad offer where the discount is way below normal.
Don’t Tell All! No online shopping store needs your social security number or your birthday to do business. However, if crooks get them, combined with your credit card number for purchases, they can do a lot of damage. The more they know, the easier it is to steal your identity. When possible, default to giving up the least amount of information.
Use safe payment options! Credit cards are generally the safest option because they allow buyers to seek a credit from the issuer if the product isn’t delivered or isn’t what was ordered.
Read return and other policesso you know what to expect if the purchase doesn’t go as planned.
Limit the type of business you conduct over open public Wi-Fi connections, including logging on to key accounts, such as email and banking. Adjust the security settings on your device to limit who can access your phone.
Keep a clean machine by keeping all web-connected devices ‒ including PCs, smartphones and tablets ‒ free from malware and infections by running only the most current versions of software and apps.
Reinforce your online accounts by enabling the strongest authentication tools available, such as biometrics, security keys or a unique one-time code through an app on your mobile device. Your usernames and passwords are not enough to protect key accounts like email, banking and social media.
Make your password tough!A strong password is a sentence that is at least 12 characters long. Focus on positive sentences or phrases that you like to think about and are easy to remember (for example, “ILove2MyNewCar!”)
Having separate passwords for every account helpsto thwart cyber-criminals. At a minimum, separate your work and personal accounts and make sure that your critical accounts have the strongest passwords.
Check your statements regularly and don’t wait for your bill to come at the end of the month. Go online frequently during the holiday season and look at electronic statements for your credit card, debit card, and checking accounts. Make sure you don’t see any fraudulent charges, even originating from sites like PayPal. (After all, there’s more than one way to get to your money.) If you do see something wrong, pick up the phone to address the matter quickly. In the case of credit cards, pay the bill only once you know all your charges are accurate. You have 30 days to notify the bank or card issuer of problems, however; after that, you might be liable for the charges anyway.
Now that you know the safest ways to shop, you’re only concern should be what is the best gifts to give your friends and family! If your loved ones are as concerned about internet security as you are, we recommend an online security tool.
Click here to see the top 10 Antivirus Software Programs of 2016!
Click here to see the top Identity Theft Protection Services of 2016!