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Keeping Your Smart Home Devices Secure

Wednesday, May 20, 2020
by Tucker Robbins


Many have seen the stories of home security cameras that have been hacked in disturbing ways. How can this happen to a security system? How secure are they to the outside world is up to the person who sets it up, which is usually the homeowner. Here are a few ways you can protect your home systems from hackers: 

 

  • Begin with finding out if your email address(es) has been affected by a breach. Go to Have I Been Pwned and enter your email.  If your email has been compromised, it will share the data/app breaches it was involved in, and it would be best to change your email password. 
     

  • When you create a new account for any device, use a different password for every account, even if you’re using the same email. Many people use the same email/password combination for everything, and there lies the problem of their information being available on the dark web, and having their accounts hacked into easily. 
     

  • If you have smart speakers, turning off voice commands, voice purchases, microphone, and camera are simply a matter of going into the device’s settings and change them.  
     

  • Your Wi-Fi router comes with a factory default name and password. It would be a good idea to change those before anyone connects to the router. Use a unique name for your home’s Wi-Fi, and a strong password. Both settings can be changed, and directions are normally in the instruction booklets or ask the internet installer how you can do this. 
     

  •  When a vulnerability is discovered in any device, the company normally updates the firmware. Be sure your smart devices’ automatic updates are “checked” in the settings.  
     

  • New products from new companies are great, but sometimes, it’s best to wait for a reputable, established company to produce a similar product. Those companies have a reputation to uphold and will be more likely to make certain their products are as safe as they can be. 
     

  • This might seem obvious but give your home’s Wi-Fi password only to people you know and trust completely.  

 

While all these measures are good prevention, nothing is completely safe from hackers. If you are proactive about taking the time to make your devices as secure as possible, you will lessen the chances of becoming a victim.   

 

Courtesy of New Castle County DE Realtors Tucker Robbins and Carol Arnott Robbins.   

 

Photo credit: securetech.com

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Tips for the First-Time Gardener

Wednesday, May 13, 2020
by Tucker Robbins


Gardening--no matter if it’s a veggie garden or a landscape filled with flowering plants, it’s no small undertaking. Many first timers spend a great deal of money on plants, fertilizer, and tools, only to find that their plants die or simply don’t produce as they’d planned. There are a lot of factors to a successful garden or landscape, and the basics are covered here in these tips! 

 

  • Start talking to gardening friends and family now. They have been where you are and know it’s not easy to have a magazine-worthy garden the first year. Find out what grows best in your area and choose a few vegetables to try. 
     

  • Your first plot needs to be small and in a part of your yard that gets at least six hours of sunlight per day. Shade in the evening is great to help cool plants on those hot Summer days, but full sun is best during the day. 
     

  • A soil test is important and is most easily done through your local cooperative extension service. The results normally include recommendations for improving your soil quality. 
     

  • Consider using a raised bed for your first attempt! It will make soil-amending easier and gives you more control of water retention/drainage.   
     

  • Purchase seedlings from your garden center instead of starting everything from seed. You’ll have a head start on the harvest!  
     

  • Don’t forget to add some flowering plants to your vegetable garden! Planting a few companion plants will bring pollinators and beneficial insects that help keep the bad bug population down. 

 

    Flower Gardening 

  • Once again, talk to your neighbors; look at what they are growing in their landscapes and flower beds, and ask them what is the easiest to grow and care for. 
     

  • Soil prep is just as important for blooms as it is for the vegetable garden; test the soil from the areas you’re planning on planting. 
     

  • Flowering plants have different needs when it comes to sunlight. While geraniums thrive in full sun, impatiens need mostly-to-full shade. Take care to note the sunlight recommendation on plant tags when you’re making your purchases. 
     

  • If you don’t have time to lug the water hose or sprinkling can all over the yard, you might want to plant in one main area, or purchase a soaker hose that will stay put so you only have to turn the water on. 
     

  • Planning is important, and you’ll save time in the nursery if you decide what you’d like to grow before you go. Check out this list of easy-to-grow flowers from HGTV. 

 

Virtually all gardeners have learned by trial and error, and it’s likely you will, too. Don’t let a few failures keep you from falling in love with growing plants and vegetables. It’s such a rewarding undertaking, and recent studies are even looking at how digging in the dirt can improve your mental health as well! 

 

Courtesy of New Castle County DE Realtors Tucker Robbins and Carol Arnott Robbins.   

 

Photo credit: miracle gro

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Should You Refinance Your Home Mortgage?

Wednesday, May 6, 2020
by Tucker Robbins


When interest rates drop, many who are still paying a mortgage start thinking about refinancing their home. Other reasons why they choose to refinance; the desire to change to a fixed rate, debt consolidation, or hoping to lower their monthly payments. While all of these are good, sound reasons to refinance, they all have pros and cons.  
 

  • Lowering your interest rate can save money. It will not save much if you’ve already been paying on your home for several years, however, especially if you refinance with a 30-year mortgage. Investopedia says that going for the new rate is a good idea if you can reduce your rate by 2%. 

  • When credit card debt is included in a debt consolidation refinance, homeowners risk losing their home for unsecured debt if they cannot keep up the payments. Credit counseling would be a better step to take first if you are considering debt consolidation to pay off credit cards. 

  • Refinancing to lower your monthly payment sounds great until you realize that a lower payment only comes with a longer pay-back term and paying more interest in the end. 

  • Let’s say you’re making more money and would like to shorten the term of your mortgage by having a higher monthly payment. Nerdwallet suggests that you ask yourself a few questions, then decide if you should refinance or just pay more on your current loan every month. 

  • Has your credit score gone up? If so, find out if you can get a better interest rate as a result. Again, be sure you’ll be saving money in the end before you sign the dotted line. 

  • You can turn your home’s equity into cash with a cash-out refinance, and if the money is needed for some home improvements or investing, it may be a better way to get the cash. The drawback comes in when the return on investment doesn’t work out, and the equity in the home is lost. 

 

Closely examining your reasons and goals for refinancing will help you make this decision. Don’t forget to factor in closing costs and other refinancing fees. These can add up, just like when the house was first purchased, and may not be much of a savings at all when it’s all said and done. 

 

Courtesy of New Castle County DE Realtors Tucker Robbins and Carol Arnott Robbins.   

 

Photo credit: realtor.com

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Photo of Tucker Robbins Real Estate
Tucker Robbins
Berkshire Hathaway HomeServices
3838 Kennett Pike
Wilmington DE 19807
(302) 777-7744 (direct)
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