#2 & #3 of the 10 Computer Apps Murray Can’t Live Without

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Two months ago,  I started my “Top-Ten list of Apps I Can’t Live Without with Seamonkey”, you can read the article here, or read all of “The 10 Computer Apps Murray Can’t Live Without” here.

This month, since I missed a month I’m going to tell you about two apps that when used together allow you to manage and store passwords and user names securely and access them no matter where you are (as long as you have an internet or mobile connection).  Here’s how I do it.

keepass logo#2 – Keepass and KeePassX (a computer and mobile app)

I don’t know about you, but I have at least 100 different sites, apps, accounts or whatever that I need to have user names and passwords for. I started out years ago with a post-it note on my bulletin board, and soon it was on to an Excel spreadsheet. Problem was, if for any reason some bad person got into my computer, they could easily open the spreadsheet and get and get all my passwords.

I used a Mac only app for years, but recently I found KeePass (KeePassX for Mac). Keepass is a highly encrypted open source app that allows you to store your user names, passwords, site URL’s, notes and more in an easy to use and SAFE database.

It’s Free, But….

KeePass once again is Open Source – that means it’s free! But, if you want to use it without being at your computer there’s a catch. It is not a “cloud” app. That means that the app resides on the hard drive of a computer somewhere and that means if you are on your smart phone, you can’t get to your KeePass on your computer to retrieve your passwords, right?

Not exactly….

Here’s How You Can Use KeePass Anywhere!

Well, how do you access KeePass if it’s not a cloud app and it is on my computer hard drive (you ask)? Not only is KeePass a computer app, it’s available for mobile devices like iPhones, Android phones, etc. (download links below). If you have KeePass on your computer, and you have KeePass on your mobile, you can access it anywhere, here’s how.

DropBox To The Rescue!

DropBox is a free (up to 2 gigabytes of storage free, more for $$) cloud application that allows you put ANYTHING into your DropBox on your computer, and then share it with ANYONE that you give access to! You can share photos, documents and in this case your KeePass database when you put the KeePass database into the DropBox folder on your computer. Another great benefit to DropBox is that it securely stores the documents in your DropBox on their servers, so you can to access the stuff in your DropBox from any computer anywhere as long as there is an internet connection.

Simply go to the link below, download DropBox onto your hard drive, then create a DropBox account online. Now, when you

Wrap It All Up – Passwords and User Names Anywhere – Anytime.

1. Put your KeePass database in your DropBox.

2. Download the DropBox and KeePass mobile apps for your mobile device.

3. Open DropBox on your mobile device and voila – your KeePass database is there for you to access and even edit if you like.

This works great for me, it’s all free, it’s secure, it takes minimum set-up, and it is easy to use once it is set up. Hope you like it!

More Information and To Download

KeePass

KeePass Info: http://keepass.info/

KeePass PC & Mac Download (look for the correct version for your OS):
http://keepass.info/download.html

KeePass Mobile Download (look for the correct version for your device):
Go to the app store for your mobile device

DropBox

DropBox is free. However, if you decide to get DropBox, email us here. We will send you an invitation to get DropBox and by doing it this way we can get additional space above the 20gb free limit for free. Just thinking…..

DropBox Info: http://www.dropbox.com/features

DropBox PC & Mac Download (look for the correct version for your OS):
http://www.dropbox.com/features

DropBox Mobile Download (look for the correct version for your device):
Go to the app store for your mobile device

The 10 Computer Apps Murray Can’t Live Without

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Here’s my  list of the 10 computer apps I can’t live without. I try to keep them both Mac and PC, but some are not cross platform compatible, anyway – here we go! I’m adding one per month, so check back for the rest.

#1 – Seamonkey (a computer app)

What the heck a Seamonkey is anyway?   Mozilla (remember Netscape Navigator?) named this app after the real thingMozilla  is an “open source” community that provides such better-known apps as the Firefox browser and the Thunderbird email client. Seamonkey is cool because it has a Firefox like browser, a Thunderbird like email client AND a built in WYSIWYG HTML editor, an IRC chat client, a news group client, and an easy to use address book (download links below).

There are so many advantages of using Mozilla apps over especially the Microsoft apps (Internet Explorer and Outlook), the biggest being security. You have a lot better chance of avoiding being the target of malicious emails and web viruses by using Mozilla products. Sad but true, hackers most often target Microsoft products. That’s reason enough to switch, isn’t it? Add to that the ease of use and stability of Mozilla, and you’re nuts (sorry) for using IE or OE!

As part-time web page designers and developers, we have another huge reason not to use IE – we hate it. It is the biggest single source of coding headaches in the universe. Developers can code all day long and have their web content work just fine – as long as they don’t view it in IE. We are forced to throw “conditional comments” into the code to have our beautifully coded work “work” right with IE. So, throw out IE (please!!!) and coding for the web would be a trillion times more efficient and simple.

Currently, the browser market share looks something like this.
October 2011:  IE-22.4%, Firefox-40.6%, Chrome-30.3%, Safari -3.8%, Opera-2.3%

* Source: http://www.w3schools.com/browsers/browsers_stats.asp

That’s 22.4% for IE (boo), and you can figure out the rest (yeah!). What’s it mean? IE is loosing market share to the good browsers. Mozilla has zoomed ahead in the last couple of years, and Chrome, Google’s new browser, is sure to bite even more into that market share very quickly.

Where does Seamonkey fit in? Seamonkey’s browser looks, feels and behaves much the same as Firefox, it works great, but seems to have just a few more issues with certain web sites that develop only for the major browsers (IE, Firefox, etc.). We use both Seamonkey and when we need to – Firefox, but you could use both Firefox and Thunderbird like a lot of folks do just as easily as you use IE and Outlook Express, with a lot less stress, a lot more efficiency, and way more fun.

Well there you go, now go get it – because its there!

Seamonkey download page (look for the correct version for your OS):
http://www.seamonkey-project.org/releases/

Or if you prefer Firefox:
Mac OSX: http://www.mozilla.com/en-US/firefox/upgrade.html
Windows: http://www.mozilla.com/en-US/products/download.html?product=firefox-3.5.5&os=win?=en-US

Thunderbird:
Mac OSX: http://www.mozillamessaging.com/en-US/thunderbird/download/?product=thunderbird-2.0.0.23&os=osx?=en-US
Windows: http://www.mozillamessaging.com/en-US/thunderbird/download/?product=thunderbird-2.0.0.23&os=win?=en-US

Two months ago,  I started my “Top-Ten list of Apps I Can’t Live Without with Seamonkey”, you can read the article here, or read all of The 10 Computer Apps Murray Can’t live without here.

 

This month, since I missed a month (sorry I was busy, find out doing what here) – I’m going to tell you about two apps that when used together allow you to manage and store passwords and user names securely and access them no matter where you are (as long as you have an internet or mobile connection).  Here’s how I do it.

 

keepass logo#2 – Keepass and KeePassX (a computer and mobile app)

 

I don’t know about you, but I have at least 100 different sites, apps, accounts or whatever that I need to have user names and passwords for. I started out years ago with a post-it note on my bulletin board, and soon it was on to an Excel spreadsheet. Problem was, if for any reason some bad person got into my computer, they could easily open the spreadsheet and get and get all my passwords.

 

I used a Mac only app for years, but recently I found KeePass (KeePassX for Mac). Keepass is a highly encrypted open source app that allows you to store your user names, passwords, site URL’s, notes and more in an easy to use and SAFE database.

 

It’s Free, But….

 

KeePass once again is Open Source – that means it’s free! But, if you want to use it without being at your computer there’s a catch. It is not a “cloud” app. That means that the app resides on the hard drive of a computer somewhere and that means if you are on your smart phone, you can’t get to your KeePass on your computer to retrieve your passwords, right?

 

Not exactly….

 

Here’s How You Can Use KeePass Anywhere!

 

Well, how do you access KeePass if it’s not a cloud app and it is on my computer hard drive (you ask)? Not only is KeePass a computer app, it’s available for mobile devices like iPhones, Android phones, etc. (download links below). If you have KeePass on your computer, and you have KeePass on your mobile, you can access it anywhere, here’s how.

(KeePass info and download information are at the end of the #3 – DropBox post)

 

#3 – DropBox To The Rescue!

 

DropBox is a free (up to 2 gigabytes of storage free, more for $$) cloud application that allows you put ANYTHING into your DropBox on your computer, and then share it with ANYONE that you give access to! You can share photos, documents and in this case your KeePass database when you put the KeePass database into the DropBox folder on your computer. Another great benefit to DropBox is that it securely stores the documents in your DropBox on their servers, so you can to access the stuff in your DropBox from any computer anywhere as long as there is an internet connection.

 

Simply go to the link below, download DropBox onto your hard drive, then create a DropBox account online. Now, when you

 

Wrap It All Up – Passwords and User Names Anywhere – Anytime.

 

1. Put your KeePass database in your DropBox.

 

2. Download the DropBox and KeePass mobile apps for your mobile device.

 

3. Open DropBox on your mobile device and voila – your KeePass database is there for you to access and even edit if you like.

 

This works great for me, it’s all free, it’s secure, it takes minimum set-up, and it is easy to use once it is set up. Hope you like it!

 

More Information and To Download

KeePass

KeePass Info: http://keepass.info/

KeePass PC & Mac Download (look for the correct version for your OS): http://keepass.info/download.html

KeePass Mobile Download (look for the correct version for your device):m Go to the app store for your mobile device

DropBox

DropBox is free. However, if you decide to get DropBox, email us here. We will send you an invitation to get DropBox and by doing it this way we can get additional space above the 20gb free limit for free. Just thinking…..

DropBox Info: http://www.dropbox.com/features

DropBox PC & Mac Download (look for the correct version for your OS):http://www.dropbox.com/features

DropBox Mobile Download (look for the correct version for your device): Go to the app store for your mobile device

 

 

 

 

Marianne’s Delectable Rouladen

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MarianneEvery year, my beautiful and talented mother Marianne would make Rouladen (Roll AHHH Den) for Christmas Eve dinner. The only problem was that because they are so yummy, there usually weren’t enough of them, not matter how many she made!

Rouladen is a German recipe consisting of bacon, onions, mustard and pickles wrapped in thinly sliced beef cooked to perfection. It takes a little work, but give it a try – you will love it! Make sure and make gravy from it, delicious!

Marianne’s Delectable Rouladen

Ingredients

1 1/2 pounds flank steak (my dad swears by Stater Bros. carne assada)
German stone ground mustard, to taste
1/2 pound thick sliced bacon
2 large onions, sliced
1 (16 ounce) jar dill pickle slices
2 tablespoons butter
2 1/2 cups water
1 cube beef bouillon
Directions

1. Cut the flank steak into thin filets (not necessary if you use the Stater Bros. Carne Asada); about 1/4 inch thick and 3 inches wide.
2. Generously spread one side of each filet with mustard to taste. Place bacon, onions and pickle slices on each filet and form into a roll. Use string or toothpicks to hold the roll together.
3. Heat a skillet over medium heat and melt butter. Place the rolls in the butter and saute until browned.
4. Pour in 2 1/2 cups of water and add the bouillon cube; stirring to dissolve the bouillon cube. Simmer the rolls for about an hour or until tender.

Enjoy and have fun and let me know how you did!

The Perfect Holiday Gift: A Down Payment?

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Gift MoneyMore families may be feeling a little extra generous this holiday season and are offering loved ones help with a down payment on a home.

Coming up with the down payment has become a major obstacle to home ownership, according to a survey by Trulia from September. The survey found that 51 percent of 758 renters surveyed said coming up with the money for a down payment was what was preventing them from buyer and 36 percent said qualifying for a mortgage was holding them back.

But with the holiday season approaching, some lucky family members may find a down payment gift under the Christmas tree.

However, if giving a down payment gift, gift givers must remember that “under federal tax law, each individual is permitted to give away money or valuables worth up to $13,000 to a single recipient in a calendar year,” according to an article at The New York Times. “A married couple could jointly bestow up to $26,000 a year per recipient.” Anything above the maximum annual exemption could be considered a taxable gift and must be reported to the IRS.

Source: “Help With a Down Payment,” The New York Times (Dec. 1, 2011)

Read More:

Boomers More Willing to Help Kids With Down Payments

Wedding Registries for Home Down Payments?

via The Perfect Holiday Gift: A Down Payment? | Realtor Magazine.

Buying a Home in a Short Sale Can be Profitable

Reynolds Realty Group News No Comments

There are too few active buyers in the real estate market these days — but every one of them seems to be looking to buy a foreclosure or a short sale.

Foreclosure is a fairly well understood process, but as “short sale” signs sprout like weeds, you may wonder what it’s all about.When a lender agrees to accept a mortgage payoff amount less than what is owed in order to facilitate a sale of the property by a financially distressed owner, it’s called a short sale. The lender forgives the remaining balance of the loan.

Everyone loses — or wins.

Short sales are a mixed bag for the buyer, the seller and the lender.If you’re a seller, a short sale is likely to damage your credit — but not as badly as a foreclosure. You’ll also walk away from your home without a penny from the deal, making it difficult for you to find another place to live.The buyer gets the property at a reduced price, but the property in all likelihood has its share of problems — think fixer-upper — and will need to go through considerable red tape in order to make the deal happen.

Two short-sale killers

No default on loan — Lenders almost never will accept short sale offers or requests for short sales until the borrower is far behind in payments and a notice of default has been issued.

Bankruptcy — If the seller has filed for bankruptcy, forget it. Few, if any, lenders will consider a short sale when the seller has filed for bankruptcy because negotiating a short sale is considered a collection activity and collection activities are prohibited in bankruptcies.

The lender takes a financial loss, but perhaps not as large a loss as it might if it forecloses on the property.Before you even start considering getting involved in a short sale, there are two situations in which an attempt at a short sale is almost certain to fail.advertisement.

Can it work for you?

Buying a home in a short sale can be a hassle, so why should you consider it? Mainly, it boils down to the bottom line. You will get the property for a substantial discount. Since the lender is eager to continue to get paid back the money it loaned out — it may also offer favorable financing terms.Since the seller plays an active role in the short sale process, you will have their cooperation and most likely won’t need to evict them upon taking possession of the home. This is not always the case with a property that has gone through foreclosure.

Not A Do-It-Yourselfer

Whether you’ve become aware of the distressed situation on a property through an agent, a FSBO ad or word-of-mouth, this is not a do-it-yourself project. A short sale is one real estate deal where you really need to get help from an experienced agent or attorney. Not all real estate agents know how to handle a short sale, so make sure you consult with one who can demonstrate special training or a good track record with short sales.

We Can Help!

The Reynolds Realty Group is here to help you if you are looking to buy or sell a short-sale. Call us today at 951-506-1956.

There’s More…Read The Full Article Here: Buying a home in a short sale can be profitable http://www.bankrate.com/finance/money-guides/10-crucial-steps-to-short-sale-buying-1.aspx#ixzz1fahWtmzP

via Buying a home in a short sale can be profitable.10 steps to ‘short sale’ buying by Bobbi Dempsey • Bankrate.com