What is Malware?

Malware, or malicious software, is computer code designed to disrupt, disable or take control of your computer system. It comes in many forms, usually hidden in another file or disguised as a harmless app. It works by taking advantage of technical flows or vulnerabilities in your hardware OS and software. Malware comes in many forms. Ransomware locks infected systems until the victim pays a ransom to unlock it. Credential Stealers are used to get usernames and passwords for email and other accounts.

Banking Trojans are more specific, targeting your banking usernames and passwords. Key Loggers can record your keystrokes to get passwords, account numbers and more. Attackers can use a set of software tools called Rootkits to get control of your systems. With a Cryptocurrency Miner an attacker can takeover your computer to generate cryptocurrency, like Bitcoin. If you unwittingly install a Botnet your computer can become part of a network of injected systems used to send spam and launch large scale attacks. To activate most malware requires a key ingredient, people. Attackers must find ways to trick people into running a malicious file, opening an infected file or clicking an unsafe web link. That’s why stopping malware starts with people, learn how to protect them at


Things to Know Before Moving to California

California Movers

1. You’ll almost definitely need a car.

You’ll almost definitely need a car in California unless you live in San Francisco (hey, big spender!). It’s a vast state, and the majority of the towns and cities are low-density areas with few public transportation options. 

2. In California, direct democracy is widespread.

Remember the dispute in California in 2008 over Proposition 8? The campaign, which proponents of same-sex marriage led, ignited a heated debate and much money on both sides of the issue. Prop 8 is only one example of California’s high-stakes direct democracy. Although other states encourage people to introduce ballot measures, California is known for doing so. Any California resident can launch a petition to measure the ballot and collect the requisite signatures.

3. California’s higher education is world-class.

It is the country’s most extensive public university system. Even though in-state tuition rates have increased over time, they are still cheaper than out-of-state tuition and provide outstanding value at some top-tier colleges.

4. Relocating to California is impossible to solve all of your problems.

Well-known psychological research looked at the satisfaction disparities between residents of California and residents of the Midwest. What’s the result? There weren’t any. People in California were no happier than those in the Midwest who had to suffer harsh winters. So, by all means, migrate to California, but don’t expect a miraculous transformation of yourself.

5. The rivalry between Northern and Southern California 

Residents of Northern and Southern California have distinct traditions, and each loves slamming the other. If you’re relocating to California, you’ll need to make a decision. Do you want it to be dry and sunny or gloomy and moody?

6. If you enjoy the outdoors, California is the place to be.

California is a fantastic place to visit if you enjoy nature and being outdoors. You can climb mountains, visit beaches, ski, surf, swim, and camp in various national and state parks. 

7. Learning a little Spanish is advantageous.

California, like the other 49 nations, is multilingual. If you don’t speak Spanish already, you may want to learn it before moving to California. In the Golden State, you’ll broaden your future friend circle and have an easier time making you heard.

8. You’ll be located in a big agricultural center.

California generates a large amount of the produce on which most of the country – and many other countries – depend. Remember all the hardworking men and women who cultivate and pick the produce that California is famous for when you drive by farms in California or go to your local farmer’s market.

9. In California, eating a balanced diet is effortless.

California is a beautiful place to live if you want a diet rich in fresh produce (and can afford it). Similarly, if you wish to new juice, if you enjoy dining out but cannot consume meat, sugar, gluten, or any other controversial ingredient, you should find it easier to do so in California than in other states. Healthy living is prevalent in California, and it’s usual to be picky about one’s diet, at least in urban areas.

10. You could become a wine connoisseur.

California makes the most wine in the United States. Even if you don’t intend to stay in California wine country after relocating to the town, you can visit to see what all the fuss is about. Living in California will provide you with the motivation to learn more about wine.

11. California has huge tax rates 

There’s no getting around the fact that California’s income taxes are heavy. If you make a lot of money, you’ll have to contribute a lot of it to the state government

Housing is a significant cause of concern in much of California and local zoning laws hold housing availability low. Many state areas are also reeling from the Great Recession, with many homeowners underwater on their mortgages. You’re doing well if you’re fortunate enough to own a home in California that you love and can afford.

13. There are dangers of living in California.

Living in California exposes you to wildfires, mudslides, and earthquakes. That doesn’t mean you’ll be affected by one of these natural disasters, but it’s worth being aware of the possibility. If you move from renting to buying in California, it can affect the cost of homeowners insurance.

14. California is a clean energy testing ground.

Solar energy is popular in California. However, selling electricity back to the grid in California isn’t as simple as it seems. As part of an ongoing fight between utility providers and solar power proponents, California homeowners with rooftop solar systems face contentious fees.

15. Your friends will wish to visit you.

California is a magnificent state with a strong cultural influence in the United States. If you’re moving to California, you should expect your friends and family to want to visit you. When you’re in California, your sofa or guest bedroom will most likely get a lot of use.

Now that you’ve decided to relocate to California, one recommendation is to fund your relocation with a credit card with a 0% APR. This will allow you to postpone the cost of your relocation for 12, 15, or even 21 months. (However, to reduce extra fees and interest, make sure to prepare to pay off the expenditures before the deal expires.) Here is a list of the best 0% APR credit cards.

Steps to Take

Moving to a new state may have a substantial financial impact. It’s important to consider the tax consequences, which affect not only your wages but also your property taxes and paycheck.

• If you’re dreaming of living in California, one thing to bear in mind is the state’s high taxes. who knows how to clarify taxes and make sure you’re set up for financial success, which is why we suggest consulting with a financial planner. In just a few minutes, our financial advisor matching tool will link you with up to three advisors in your area. You basically need to answer approximately 20 questions about your financial condition.

Internet Tips

How to Achieve Inbox Zero – Email Productivity Hacks

I’ve always seen email as kind of like a Hydra, answer one. – Two more shall take its place. – And while this is definitely been my personal experience with email, I know that I am by no means alone in this matter, especially given that there’s data out there to show the average knowledge worker spends about 28% of their work week on. – Email. – And that is absolutely ridiculous. So today I wanna share some of the tips and tactics that I’ve learned over the past few years for making email a less stressful and less time consuming part of my life. Now, I gotta put this out there right up front, I am by no means an email expert and I know you can probably find some other productivity gurus out there with crazy DTD inspired inbox zero workflows that they get done at six a.m.

Every single morning before doing their morning yoga coffee mediation, but I have at least been able to tame my emails, so to speak, and it’s been a lot less stressful in the past few years than it used to be when I was a little bit earlier on in my entrepreneurial career. So, whether you’re a student or you’re a professional being buried in emails from your boss or you’re an entrepreneur like me, hopefully some of the tips I’m gonna share in this video will help you tame your inbox as well. And just to cover our bases, we’ve gotta start with the obvious one, archive messages or delete them if you don’t need them anymore. Don’t treat your inbox as an archive. That should be something separate and should be representing only things that you need to take action on. Otherwise the archive or the trash should be where emails go. All right, with that pretty simple tip out of the way, let’s move on to our first big tip.

Don’t use your inbox as a task manager. And this is crucial, but I know it’s also very hard to do and a lot of us tend to do this. We see emails in our inbox, we know we have to respond to them, but to respond to them, we have to do like 18 other things. There’s this whole process and as a result, the inbox tends to pile up. In fact, there are even email forgiveness days out there for people who have just let emails fester for days, weeks, or even months since they just haven’t had the time to get all the preliminary or dependent steps done first. But there is indeed a better way.

You do not have to use your email inbox as a task list because that is what a task manager is for. So when you see emails in your inbox that you have to take action on, whether it be responding or actually doing something, follow these steps, first and foremost, I think it’s a pretty smart idea to dedicate a specific time of day to email processing, and unless email notifications are incredibly important to you, unless you’re like Elon Musk or something, take those notifications off of your phone. Dedicate one part of the day for email and have the rest it dedicated to work or, you know, actually doing things that you wanna do. So once you have that preplanned specific time of the day set for processing email and that time rolls around, sit down at your computer or your phone and first I think it’s a good idea to get rid of any emails that really don’t need any action from you, basically just to clear out the junk. Now when it comes to doing this part, a lot of people get stuck on the question of whether to archive or delete their emails.

And honestly this is kind of a moot point these days since most email programs give you a ton of space for storing emails, but I follow a simple general rule. If I think that I ever might need that email’s information in the future, then I archive it. Otherwise, I delete it. And for the emails that you do decide to delete, it’s likely that some of those or maybe even most of them are newsletters or marketing messages and I know because I receive a ton of these every single day and because I even send some out every Sunday with my newsletter. Now with these kind of messages in particular the Hydra metaphor is especially apt because you know that even if you delete the one you’re looking at right now, there’s gonna be two more coming this week no matter what you do, unless you go down to the bottom of that email and start hitting that unsubscribe link. So don’t just delete emails if you know they’re gonna be coming in the future. Start unsubscribing from marketing messages and newsletters that no longer give you any value.

And yes, that does include my newsletter. If you’re not getting value from the emails that I send you, then please get me out of your inbox. For one, I actually pay per subscriber on my Mailchimp plan, and two, if I’m not providing you enough value, then I don’t deserve to be in your inbox anyway. And that’s how every single marketer should think. Anyway, moving on to emails that you do actually have to take action on. There’s kinda two different types of email here. First type of email is the kind that you can easily take the action on within five minutes or less, and if you find an email like that, go ahead and process it, don’t get it in your task manager, just reply to it or take action on it and get in onto the archive.

That just leaves us with the second type of email, the type of email that tends to fester in your inbox for weeks or months because it’s got 27 different steps to dependencies and you’ve also got work to do and video games to play, why should you spend your time on that? Well, maybe you don’t have time to spend your time on that right now, but it shouldn’t sit in your inbox. Instead, get the details into your task manager. Remember, your task manager and your calendar and your note-taking system, these are all parts of the system that should hold pieces of data that you need to refer back to in the future and in some cases, remind you of actions you need to take.

Your email is a communications medium. It’s not part of that action oriented system, so don’t treat it like one. Now when it comes to actually implementing this, you can, of course, just copy the details of an email to your to-do list and make that a task and then remember to go find the email later if it needs a reply. But a lot of task managers these days have more elegant options for processing emails. For example, Todoist actually lets you copy an email address for each project in your task list and then you can email tasks into it. Or you can actually install their Chrome extension which puts a little mini Todoist in the bottom of your Gmail area so you can actually add a task as an email. And one thing I like about Todoist in particular is when you add an email as a task, it actually links right back to the email so you don’t even have to go into Gmail and find it.

Regardless of how you it, once you have an email in your task manager, then the process for dealing with it is exactly the same, give it a due date, give it labels if you want, get it done when it needs to be done, and then if that email needs a reply, then reply and consider that checked off your task list. Bit tip number two, use tags and search harmoniously. Now there was a time back in college where I dutifully tagged every single message that came in and I had this beautifully organized hierarchical task structure in Gmail that I was so proud of and I thought this is crucial because if I ever need to find a piece of information, I know where to find it.

It’s almost like having a folder structure, right? But then I realized something that should have been obvious in retrospect. Gmail is built on Google, and Google is the world’s best search engine, so for the most part, I can just search for emails if I need to find them after I’ve archived them. So now I use tags or labels and search in tandem. I’ve very selective about which messages I actually tag since tagging messages does take time, and I’d rather be playing video games. Plus, again, most messages can be found just by searching. So, for the most part, if I’m gonna keep a message after processing it, I just hit the archive button.

But there are certain cases where I do still use tags. For example, the receipts for a lot of expenses in my business often come to my email. Now with paper ones, I tend to digitize them and get them into Evernote, but with the email ones, I just give them the tag receipt. I’ve chosen to keep tags in this particular case because a lot of times I’m looking for a particular receipt when I’m going through my reconciliations for accounting at the end of the month and I often don’t know exactly what to search for so I just wanna make sure that I have a list that I can look at that lists every single digital expense that I’ve ever had in my business just in case there is ever an audit in the future or some other reason I need to see all of those receipts.

Another example case would be newsletters that I don’t wanna unsubscribe from but don’t necessarily wanna see and these cases I actually have a filter, which we’re gonna talk about in a few seconds, that just gives those emails a newsletter tag and then auto-archives them. That way if I ever wanna go through those emails and see them, like if I’m looking for headline inspiration, for example, I can see them all in one list. But they never grab my attention when they come in because I don’t want them to do that at that time. All right, big tip number three, which I kind of alluded to just a few seconds ago. Filters are your friend. In most email programs, there are filters you can set up which basically do things automatically for you.

So to go back to the previous example, every time a newsletter comes in that has a specific email address or a specific type of headline, I have a rule in my email program that will automatically archive it so I never see it and it gives it the correct tag as well. I’ve also got filters set up that will automatically delete messages from certain addresses or from certain people, like marketers who think that spamming me five times is actually gonna get a response. And lastly, my most important and useful filter is a filter for all my old email addresses that ensure that nothing in those email inboxes can ever go to spam. Now the reason I have this filter set up on all my old inboxes is that a few years ago I set up forwarding rules to forward everything from those inboxes to one big main Gmail inbox. Now this ensured that I didn’t have to go check a zillion different email inboxes just to make sure I wasn’t missing anything. It was all coming in to one place. Except for in certain occasions I would notice that important emails that were sent to one of those old email addresses hit the spam filter and because I never logged in to look at those inboxes, I never noticed it.

So once I realized that this was happening, I set up filters to make sure that nothing could go to spam over there and this wasn’t really a big problem since I could trust the spam filtering in my main inbox to catch all the junk. That brings us to big tip number four, which is to use a separate email for logins than the one that you use for correspondence, for talking with people on the internet. Now this is more of a security tip than an organizational tip, but I still think it’s really important to do. The email address that you use to chat with people on the internet is basically public knowledge. Every single person you’ve given it out to and possibly the entire internet if you posted it somewhere publicly knows this email address.

Now, unfortunately, the internet has developed in such a way that your email address is also used as a login credential for most websites. Additionally, it’s the place where password resets go. So if anyone ever got access to your email, they would be able to send password resets and basically hack your entire life. And even if they can’t do that, they at least know one of the two keys needed to log in to your bank or your Final Fantasy FanFiction forum account or any other crucial site that you don’t want people getting into. Fortunately there is a way to deal with this, at least somewhat, and that is to set up a separate email address for logging into websites and don’t give that email address out to anybody.

Use one email address for correspondence and use the other one as one of those two keys for logging in to your online accounts. And doing this has the additional benefit, or possibly even primary benefit, of making sure that it’s much less likely an attacker would know where password resets were going to go. Again, if you use a publicly known email address, then people know where password resets links are going. But if your email address is secret, then no one really know. Now, while having a somewhat secret email slash username combo is really helpful, what is downright crucial for your online security is to make sure that you have strong, unique passwords on all of your online accounts.

Web Development

5 Website Design Hints: Web Design Tutorial For Beginners

5 hints, 5 hacks, 5 tips to make your website look like it was designed by a professional. Even if you really don’t have any design skills at all. So let’s go ahead and jump right into it. And my first tip. Hint number 1, is to create a color palette. And if you are like me, colors might not exactly be your thing.

I mean if someone were to tell me to come up with a color combination. I would probably come up with something like, I don’t know, uh black and grey and maybe a little bit of white. (laughs) Really not good with colors, but if you want to make your website look great, using a great color combination can be a great way to do that. So how do you come up with a great color combination, even if you’re not good with colors? One thing that I have found that is extremely helpful for this, is a tool called Paletton.

Let’s go ahead and check it out. Ok, so this here is the Paletton tool. It’s a really simple and easy to use tool. Basically all you do is you pick a base color. So right how I have this base red color here. And then you can just choose from either this sort of adjacent colors, color scheme. And you can see the color scheme right here on the right. We’ve got this triad color scheme. So it’s pulling colors from different sides of the color wheel. And then this tetrad. Where it’s pulling colors from sort of across the color wheel here. And then if you want to make additional adjustments here. You can adjust the distance that it’s pulling it from.

So it’s a great way of making… Of quickly making a great looking color palette. And then what I like to do is, I just like to click on this tables and export button here. And then click on as HTML and then I just print this page, or actually just save this page as a PDF. And I save it into a folder that I can use to reference whenever I need colors fro my website. Ok and then if you don’t know what the color of something is, but say you have a logo already, and you want to use the color that’s in that logo as the starting point for a color pallet.

It’s really easy to do on a Mac. Let me show you how to do that. Ok, so if you’re on a Mac just go up here to the search. And then type in “digital color meter”. And that’s going to pop up right there. And then under the settings for this we want to make sure that our colors are displayed as hexadecimal. So we are just going to click on view and then display values. And then make sure hexadecimal is checked. I’ve already checked it here, but as default it’s set to decimal. So we’re going to set it to hexadecimal. Ok and then we can use it to find the color of just about anything. So let’s pull up the digital color meter.

Hover over what you want to find the color of. And then you can see right over here that we’ve got the hexadecimal color. Which are the colors that we are going to use on our website. So it’s E0 99 00 is what it is for this example. And then you can just take that and you can just type it in to the Paletton color palette here. And there we go. Now we can just select which color palette we think looks the best. Based on that. And you’re off and running. Ok hint number 2. Is great looking images. Now this can be challenging. For me I like taking pictures. I really enjoy photography. If you don’t enjoy photography, or if your not so good at taking pictures. How do you get great pictures for your website? Well there are two ways of doing it. One way of doing it is to hire a photographer. If you can afford it, having custom images for your website is a great way to make your website stand out. And also have the images be extremely relevant to you and your business.

Now what if you don’t have any money to hire a photographer, and you still want to use, and you should use, great looking images on your website. What should you do? Well there are some great resources where you can find, either paid stock images, like iStockphoto or Shutterstock. And then there is also some free resources that you can use, like Unsplash and Pixabay photos. And actually I’ve shared some of the photos that I’ve taken on Unsplash, so that anybody can use. It’s a great resource for designers and anyone who needs to use great looking images. Now be sure you check out what the rules are when you’re using these images. For example some images of people that have recognizable faces. Where you can recognize the face of the person, may have some restrictions on them.

And then even inside the images there maybe some restrictions. So for example if it has an image of a Coca-Cola logo. Or if it has a image of an iPhone or a Mac or some other recognizable piece of design, you may need to get additional rights for that. So you just want to look into that and see what the rules are for that.

You definitely want to use great looking images so Unsplash, Pixabay, iStockphoto and Shutterstock are some great resources for that. Ok, so now hint number 3 is one that I actually struggle with all the time. It not that I forget. It’s just that I don’t know sometimes it seems really hard to implement this hint. And that is space. Just adding a little bit of extra space around all of the elements that you put on your website. This goes especially for text. So you want to have space around your heading, space around the body of your text. And one of the new trends in website design, and I think it’s actually a really good one, is when you are making a point in text. So if you, your know writing something.

Is to make your paragraphs really short. I mean your paragraph or the spacing between lines might actually just be one line. And then you are going to have spaces between those. And what that allow your viewers to do, when they are looking down your website. Is to quickly scan for the information that they are looking for. So, adding extra space around all of the elements on your website, not only the text, but the images and the graphics. To allow your users to sort of see what they are, scan them, and have that space around them to draw their eye to it. It’s a really good technique. And it’s one that I struggle with, but it’s something that everyone should try to implement on their website, in their website design. Ok and then hint number 4 is… It’s about being decisive, and for me that means getting rid of using sliders. And I’ll link down to some articles down below that talk about why you shouldn’t use sliders.

Why they’re bad for SEO and why they don’t actually drive more interactions on your website. But when you just think about it. I feel that whenever I’ve wanted in the past to use a slider. The real reason why I wanted to was I just couldn’t decide what the most important thing was to put at the top of my website. So I just decided, I’ll just put a bunch of different things and I’ll just put a slider, and you know let people decide for themselves what the most important thing is. The problem with that is that people don’t sit around and wait for your slider to cycle through. What they do is they are pro active. You’re on an interactive website. So they just start scanning down your page and looking for what it is that they are looking for.

Now what I recommend doing is putting the most important thing that you have at the top of your website. And then the subsequent things that you think are less important, you can even make them look basically like slides, and put those down as then next thing. So let your viewers scan down the page to see what they want. Now one problem you might have is that you just don’t know what the most important this is. What the thing is that you should put at the top of your website, because you’re not sure what’s the most important this is for your audience.

The best thing to do is to test. And if you’re using a theme like the Divi theme, which is one of the themes that I recommend using. They have a function for A/B split testing right inside the theme. And this allows you to test, well just about anything, but specifically you can test the header section. And see which variation of the header section preforms the best for your audience. So you can come up with a couple of different variations and then you set a target maybe lower down on the page.

Maybe it’s having them scroll all the way down the page. Maybe it’s having them click on a button. Whatever the target is, what ever the action that you’re trying to get them to do. You figure out which of your test subjects got them to take that interaction the best. And that’s probably one of the best ways of finding out what should be at the top of your website. Hint number 5 is to remember your mobile viewers. Now when you’re building your websites your doing it on desktop computer. So it’s really easy to forget that people might be viewing your website on tablets and mobile devices. And Google has made it abundantly clear that people use mobile devices a lot for viewing websites. So you want to make sure that your website look great on mobile. So what that means is taking just a little bit of extra time. And tweaking your designs so that you’re sure that they look good on any kind of device.

Any size screen that your view might be coming to. A lot of the great WordPress page builder themes out there like the Divi theme, Beaver Builder, and Elementor, all allow you to tweak your designs specifically for mobile devices. So, something you want to do is take a little bit of extra time after you have designed your pages making sure everything looks good on mobile devices phones and tablets. And one last tip one bonus tip here is font combinations. And I think it’s something just good to decide right when you start creating your website is font combinations. A lot of the themes out there particularly the Divi theme, and most themes out there. Will allow you to decide what you wan’t your default fonts to be. And so deciding that ahead of time can be a great way of distinguishing you website from other websites and giving it a good characteristic look. And I’ll link down bellow to some resources for some font combinations that you might want to use on your website. So if you’re brand new to making websites, and you’re not sure where to start.