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Show Jlilfor&3Htfiritur PAGE 3 PROTECTING YOUR mail, unless it's encrypted. to help you ask the right avoid passwords such as your name, initials or birth date. Instead, choose a mixture of numbers, letters, upper and lower-cas- e and even symbols. You should change your password periodically, and dont keep it stored near the computer. Check your bank and credit card statements Your financial monthly liability is limited if you report fraudulent use any immediately. You should also check your credit report once a year. If credit accounts have been opened in you name, you'll find them there. Be particularly careful about divulging your social Your security number. employer, your bank, your brokerage and any other business that is required to report your income to the Internal Revenue Service has a legitimate need for your social security number. Beyond that, think twice before giving it out. a make and questions choice on knowledgeable who's best for you. First, develop a list of possibilities. Ask friends or for names relatives of done who have contractors satisfactory work. Find out local where contractors their and materials purchase ak for recommendations. Ask people who work in the building industry, such as subcontractors. Check with the loan officers of your lending agency who may easy-to-guc- FINANCIAL PRIVACY IN CYBERSPACE When you casually give away the numbers that run your life, you are giving away . control over your money, the Better Business Bureau advises. Credit fraud artists have been known to get your social security and credit card numbers by tapping into electronic credit reports and other computer files. With your name, address and credit card number, anyone can run up charges in your name. With your bank account number, it's possible for someone to tap into your checking or savings accounts. Your brokerage number and social security number is sometimes all that's needed to order unauthorized trades. These valuable numbers are stored in countless electronic files and they're not all kept under digital lock and key. The Better business Bureau suggests the following tips for. protecting your financial . privacy in cyberspace. For starters, check out your Internet service provider. If you have monthly charges billed to your credit card, find out how the provider protects its data base of customers' credit card numbers. If vou don't get an adequate answer, look for another provider. send Don't your social account numbers, security number, password or any other sensitive data via e-- ss HOW TO FIND A of know Did the contractor finish on time and at the agreed price? that Would hire they contractor again? Did the contractor do what was promised in a timely manner? Is he or she licensed? "It is very important to find out if the contractor is she licensed," says. in National the "Membership Association of Home Builders, Home National the Improvement Council, or the Contractors Remodeling not Association does -- -- guarantee quality or reliability, but it may be an indicator of stability and experience." The Home Builders Association, the Department of Commerce, Occupational and Professional Licensing, Contractors Division in Salt and 6 Lake City (801) most city building inspectors can provide lists of licensed contractors. Is the contractor insured? This is important, Hawks says. Ask contractors if they're insured against claims covering workers' reputable contractors. Talk to local real estate agents who often know the reputable contractors in you community. Once you have your Hawks list. suggests using the following guidelines: l Talk the to 530-643- -- decide to contractors compatibility. You are not going to marry them, but you do need to be able to work with them awhile," she says Ask contractors for the names of past clients. Talk to these people and ask: -- damage, and personal liability in case of accidents. Obtain a copy of the certificate of insurance or ask for the name of the contractor's insurance MILFORD SCHOOL carrier to verify that the contractor has insurance. Monday, October 23 Once have Harvest Vacation you selected two or more qualified Tuesday, October 24 contractors, solicit bids from Ham Sandwich them for the needed work. Pickle & cheese Make sure all bids are based Potato Chips w Fruited Cream on the same set of Milk specifications. After getting Wednesday, October 25 the bids, compare them. Base Hot Dog, & cheese your final decision on a Macaroni Buttered Green Beans contractor's ability to do a Fudgie high quality job, completeness Milk and accuracy of the bid, and Thursday, October 26 the kinds of materials that will Chicken Potatoes & Gravy be used in the work. After selecting the best corn Cup contractor, don't forget the Hot Roll contract. The contract should Milk be in writing. Read it very carefully and make sure you Friday, October 27 understand all the parts. If Teacher Program Assessment Day necessary, an attorney should In the Child Nutrition Program, no person shall be consulted. Remember that on the grounds ofrace, color, national origin, sex. after you hire a contractor, age. or handicap, be excluded front participation in, be denied the benefits of. or be otherwise you have three days to back subjected to discrimination. If you believe you haw been discriminated against because of race, out of the deal without a color, national origin sex, age, or handicap, write immediately to the Secretary of Agriculture, penalty, she says. Tfp Jello Pattie Fruit nasmngton. ux property compensations, r RELIABLE OCTOBER 20, 1995 . jujsu. CONTRACTOR Have you ever needed to find a contractor and iust didn't know where to start? J i Inexperienced and unqualified contractors can cost you thousands of dollars, especially when the work has to be redone, says a Utah State University Extension housing specialist. Leona Hawks, with the USU College of Family Life, gives the following guidelines Daily Prescription Delivery Or ihooting for the Order by 3:00 P.M. Delivery at 5:00 P.M. bat deal on refinancing the old one A Monday - Saturday (cut off time 1:30 Saturday) Milford Drug 464 S. Main St. Open 10:00 A.M.- - 6:00 P.M 801-387-21- 04 - ii.i 4mm Fishlake Lumber Co. Pro Hardware Firewood Large Supply of Mill Ends Pickup Load -- $10.00 Don't Hesitate! Do Your Fall Painting and Fix-u- p Full Line Of Building Supplies Now!! Rough Sawn & Finish Lumber Fuller Obrien Paints Two Scheduled Deliveries Weekly to Milford Call us toll-fre- e! Fax: Sawmill Phone: 1627 N. Hwy 357, Beaver the place to look for low rata St. George Cedar City 628-269- 3 586-405- - 5 ? Hurricane 635-442- 9 Milford 387-242- 2 -- Member owned institution bringing profits directly back to members in the form of better rates or less service charges....... we belong to you |