Avoid The Most Common Email Mistakes

Avoid The Most Common Email Mistakes

AVOID THE MOST COMMON EMAIL MISTAKES

From: SANS Security Awareness

Email is still one of the primary ways we communicate, both in our personal and professional lives. However, quite often we can be our own worst enemy when using email. Here are the most common mistakes people make with email and how to avoid them.

Auto Complete

Auto-complete is a common feature in most email clients. As you type the name of the person you want to email, your email software automatically selects their email address for you. This way you do not have to remember the email address of all your contacts, just their names. The problem is when you know people that share similar names, it is very easy for auto-complete to select the wrong email address for you. For example, you may intend to send a very sensitive work email to “Janet Roberts”, your co-worker, but instead auto-complete selects the email address for “Janice Rodriguez”, your child’s basketball coach. You end up sending a sensitive work email to someone you barely know. Always double check the name and the email address in any sensitive email before you hit send. Another option is add the recipient’s email after you have drafted your message, ensuring you selected the intended individual.

Reply-All

In addition to the “To” field when you create an email you also have a “CC:” option. “CC:” stands for “Carbon Copy”, which allows you to copy additional people on your email and keep them informed. When someone else sends you an email and has CC’ed people on the email, you have to decide how you want to reply: just to the sender or to everyone that was included on the email via Reply-All. If your reply is sensitive, you most likely want to reply only to the sender. However, be careful as it’s very easy to mistakenly hit “Reply-All,” which means you would reply to everyone on the email. Once again, whenever replying to a sensitive email, always double check who you are sending the email to before you hit send.

Emotion

Never send an email when you are emotionally upset–it could harm you in the future, perhaps even costing you a friendship or a job. Instead, take a moment and calmly organize your thoughts. If you need to vent your frustration, open up a new email (make sure there is no name or email address in the TO section) and type exactly what you feel like saying. Then get up and walk away from your computer, perhaps make yourself a cup of coffee or go for a walk.

When you come back, delete the message and start over again. It may even help to have a friend or coworker review your draft response objectively before you send it. Or better yet perhaps once you have calmed down, pick up the phone and simply talk to the person, or speak face to face if possible. It can be difficult for people to determine your intent with just an email, so your message may sound better on the phone or in person. Remember, once you send that email, it exists forever.

Privacy

Finally, email has few privacy protections. Your email can be read by anyone who gains access to it, similar to a postcard sent in the mail. Your email can easily be forwarded to others, posted on public forums, released due to a court order, or distributed after a server was hacked. If you have something truly private to say to someone, pick up the phone and call them. If you are using your work computer for sending email, remember that your employer may have the right to monitor and perhaps even read your email when using work resources. Attachments If you’re attaching documents to your message, double-check that you’ve attached the correct versions of the correct files before sending.


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What is a Personal Line of Credit?

What is a Personal Line of Credit?

WHAT IS A PERSONAL LINE OF CREDIT?

A line of credit is an arrangement between a bank and borrower that establishes a predetermined borrowing limit that may be drawn, repaid, and drawn again within the limits set by the loan agreement. The borrower has flexibility to borrow only what they need for only the time needed and pay interest on only the drawn amount. This revolving credit agreement is different from an installment loan, which advances the entirety of proceeds up front and you repay in set installments over  a fixed term.

For many of our customers, a personal line of credit serves as a safety net. A part of their larger financial plan, a line of credit can be available when needed as opposed to waiting to act when unexpected or special expenses arise that the day-to-day budget isn’t prepared to cover.

Personal lines of credit fund a broad variety of needs; home remodeling projects, a once-a-decade family trip, medical bills, college tuition, weddings, or to supplement uneven cash flow situations.

These and other situations are prime reasons for personal lines of credit. You borrow against your limit in sums as small or large as you need. Interest is paid (usually at a significantly lower rate than any standard-issue credit card) only on the outstanding balance, not the overall loan limit.

While there are numerous benefits to personal lines of credit, you should approach this like any financial decision and weigh the pros and cons as it relates to your financial situation. It’s wise to stick to a financial plan for appropriate use and repayment of your line of credit.

LINE OF CREDIT TYPES

Lines of credit come in two types: unsecured and secured. The first relies entirely on your perceived ability to make repayment that lenders get by reviewing your credit history and provable income. The other, a home equity line of credit or HELOC, uses equity in your home to act as collateral for the transaction, but our discussion here is limited to personal unsecured lines.

PERSONAL LINE OF CREDIT

Similar to a personal loan or a credit card, an unsecured personal line of credit gets approved based on the applicant’s ability to repay the debt. Your credit history and income are key factors.

The amount available to a borrower varies from applicant to applicant — and, of course, the applicant’s perceived need.

USES FOR A PERSONAL LINE OF CREDIT:

  • Emergency expenses: The roof springs a big leak; your car’s transmission blows up; medical bills.
  • Long-term projects: renovating a kitchen, adding a mother-in-law suite, paying for college or a wedding, restoring that 1957 Corvette.
  • Cash-flow management: bridging the gaps for earners of irregular income.
  • Debt consolidation: grouping credit card and other consumer debt into a single loan.
  • Rare life experiences: the cruise of a decade; playing the great golf courses of Scotland; taking a French cooking school vacation.

If you conclude that a line of credit best meets your needs, here are a few items to consider when preparing to apply:

  • How do I apply for a credit line? Personal lines of credit are unsecured, which means you don’t need to offer collateral to secure the loan. That makes it different from home equity lines of credit (HELOCs), which are secured by the equity in your home.
  • How large a credit line should you request? This really depends on your needs. We recommend assessing your financial needs, what you may be using the line of credit for, while keeping in mind your income stream and ability to repay the borrowed money. Lenders evaluate creditworthiness using several metrics including loan repayment history and your ability to repay the total amount extended.

HOW TO GET STARTED.

We encourage you to speak with First American State Bank lending officers. They are well versed in our lending products and can walk you through the particulars of each type of loan we offer at First American State Bank.

As an independent Colorado-based bank, we have some flexibilities that large corporate banks do not offer. You may have seen in the news in recent months that some large national banks have completely discontinued offering unsecured lines of credit to personal banking customers. First American State Bank has not followed suit, we will continue to offer a variety of personal banking and lending products to existing and new customers. We value personal banking relationships with our customers and strive to accommodate all your banking needs.

A Simple Step To Securing Your Accounts

A Simple Step To Securing Your Accounts

ONE SIMPLE STEP TO SECURING YOUR BANK ACCOUNTS

From: SANS Security Awareness

bank Account Cyber Security: Does it seem like cyber criminals have a magic wand for getting into your email or bank accounts and there’s nothing you can do to stop them? Wouldn’t it be great if there was one single step you could take that would help protect your from cyber criminals and let you securely make the most of technology?


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Securely UsingThe Cloud

Securely Using
The Cloud

SECURELY USING THE CLOUD

From: SANS Security Awareness

You may have heard of a concept called “the cloud.” This means using a service provider on the internet to store and manage your data. Examples include creating documents on Google Docs, accessing email in Microsoft O365, sharing files via Dropbox, or storing your pictures on Apple’s iCloud.


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Securing Your Mobile Device

Securing Your Mobile Device

SECURING YOUR MOBILE DEVICE

From: SANS Security Awareness

Mobile devices are an amazing and easy way to communicate with friends, shop or bank online, watch movies, play games, and perform a myriad of other activities. Since these devices are such an important part of your life, it is essential to keep you and your devices safe and secure.


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