All Posts by Al at My Secured Life

How To Easily Improve the Security of Your Property


Learn how to easily improve the security of your property.  This might allow you to grow the value of your property over time.


Money doesn’t fall off trees and making money isn’t as glamorous some people make it out to be.


For most people, it’s a slow, repetitive process that can frustrate and bore you to death.

It, therefore makes sense that you want to treat the money you earn with respect, because, let’s face it, you work your ass off to get it.


OK, Ok, some people are probably chuckling, but hey buster!  Not everyone’s born with a silver spoon in their mouth!


Property – What’s it to you?


For most of us, the property includes:


  • A home – house, cabin, cottage, apartment
  • A car – SUV, sedan, pickup
  • Tech – cell phone, laptop, tablet
  • Assets – stocks, bonds, land, buildings, digital, physical


For the wealthier among us, it can include:


  • Vehicle collections
  • Yachts, boats, and jet skis
  • Jets or charter planes
  • Stocks, Bonds, Shares and other investments
  • Land, rural and urban rental property, etc


Logically thinking, everyone wants to protect their assets from harm. So how do you even begin?


How to easily improve the security of your property


  1. Determine the value of the property
  2. Determine possible risks, if any
  3. Take out insurance to cover the property for the full value
  4. Attempt to increase insurance cover over time to stay in line with inflation
  5. Do not use any property as security or leverage


Let’s talk about MONEY


The money we earn for hours we work is property.  What you do with it, determines your wealth.


For some people, money is irrelevant because they earn enough.


How much money is enough?



55 % of your total income must be sufficient to cover your basic needs like:


  • Home, Lights, and water, security, groceries, etc
  • Tech costs, internet, hosting, services, etc
  • Sundry items – car service, vet bills, etc
  • Gym, clothing or any other costs


10% must go towards long-term savings – like retirement

10 – 20% must go towards your education and short-term savings

10% is for you – to do with whatever you want. Have fun with it!

5% should go towards home improvement or charity


If your income doesn’t allow you to cover the basics as listed above, then you need to find a way to make more money.

So, we’ve established how much is enough.  Enough money would cover all our essential needs and allow us to put money away for long-term and short-term savings goals.


How can I secure my Money?


A lot of people will tell you to invest it and get it to grow as fast as possible.  The better approach is to let it grow steadily over a long period.


What are the 5 best ways to grow my money securely?


Start with a budget.


  1. Pay yourself – The first thing that you need in your budget is a savings budget. It must be the first thing you do every month before you pay anything else.
  2. Start as early as possible – compound interest is one of the most powerful means of making more money from the money you’ve been saving over time.
  3. Matched Contributions – make use of any matched contributions offered by employers or other sources
  4. Increases – if you get a salary increase, save the extra money you get
  5. Increase income – find a way to make more money, but not spend more


Saving money and keeping your savings secure and growing is easy.  Starting to save and doing it religiously is the hard part.

The simplest tool, to begin with, is a budget.  Then you need to be strong and not let yourself be tempted to touch savings money.



How to easily imporve the security of your property – home.


Keeping your home safe and secure for your family is a top priority if you want to make it a safe, comfortable place to live in.


Keep Burglars and Thieves Out


There are simple things you can do.  Here is a list of ten things you can do to start with:


  1. Add external lights to illuminate every inch of your exterior
  2. Clean up your garden and remove hiding places
  3. Have an alarm system installed in your home
  4. Use CCTV Cameras in your home
  5. Install burglar bars in your windows
  6. Make sure all doors can be locked, especially exterior doors
  7. Make sure the garage can be locked and is secure
  8. Put up a perimeter wall or fence to keep intruders out
  9. Set up secure passwords on your WiFi
  10. Install Antivirus software on all your devices


Securing your home isn’t rocket science.  You just need to keep security top of mind all the time.


How do I secure my vehicles?


Your vehicles allow you to get around.  But, moving machinery is dangerous, so, you need to ensure they’re in peak condition and that you’ve got personal insurance cover just in case something goes awry.


Your vehicles probably include one or more of the following:


  • Cars, SUV’s, Sedans, Campervans, Trucks, etc
  • Motorbikes, Quadbikes, Snowmobiles, etc
  • Motorboats, Jetskis, Yachts, Canoes, Inflatables, Kayaks, etc
  • Aeroplanes, Helicopters, Drones, Gliders, etc
  • Bicycles, Racing Cycles, Mountain Bikes, Skateboards, etc


What security measures should you take into consideration when it comes to these vehicles?


  1. Personal safety – how can you ensure you are safe while using the vehicle?
  2. Have you been properly trained to use the vehicle?
  3. Have you got the right gear to use the vehicle?
  4. What happens if you have an accident – are you covered?
  5. If you injure someone else – are you covered?
  6. What if you damage property – are you covered?
  7. When your vehicle is lost or damaged – are you covered?


What can I do to ensure I am secure while using these vehicles?


  • Get covered with adequate comprehensive insurance
  • Go for the right training before you use any of the vehicles
  • Use all the necessary protective gear so that you can prevent injury
  • Ensure all vehicles are properly maintained
  • Get in the habit of using pre-use safety checks


The main point you should take away is to use caution and keep safety in mind while you use any vehicle for whatever purpose.


Securing your property is a matter of using your better judgment when it comes to the things you do with your money.  Saving should be your first priority.




If you decide to buy things, then make sure you look after them.  Make sure you’re covered by a good quality comprehensive insurance plan.

Hopefully, you found this article useful.  Do you have safety tips for others, if I missed any?  What safety tips would you include here?  This article was titled “how to easily improve the security of your property”  What improvements would you suggest for it?

Take Care of Personal Safety and Security

Personal safety and security mean different things to different people.  But, I’m sure you’ll agree with me, personal safety and security in all its forms should be a top priority for all of us.


By definition it means:


You take preparatory steps to prevent, delay or receive adequate warning of a possibly life-threatening event.


We need to take care of our personal security first and then worry about the security of our property.


What does life-threatening mean to you?


Life as we know it is different for each of us.  We all have different values, but in general, we all want the same basic things:


  • Financial stability – for vacations, education and all the luxuries we enjoy
  • A roof over our heads – a comfortable home, free of stress
  • Food on our tables – going to sleep every night with food in our stomachs
  • Security – physical, emotional and financial security
  • Self Esteem – we want a certain quality of life and will do anything to keep it



I’m sure you’ll agree.  The 5 points above cover the needs of 99.9% of people. 



Life-threatening Events come in many forms


  1. Loss of a way of life – job loss, chronic illness, disability
  2. Lost property – lost a home, vehicle, business, fire, flood
  3. Losing personal financial capacity – business closes, retrenchment
  4. Security breach – robbery, burglary, hijacking, theft
  5. Emotional Trauma – PTSD, rape, murder, suicide, brutality


For most of us, a life-threatening event can include any of the following:


  • Robbery
  • Floods
  • Fires
  • Accidents
  • Diseases


It’s what we do before any of these occur that matters the most.  So, wouldn’t it make sense to have a plan in place before catastrophe strikes?


How could you possibly prepare for such events?


It can be difficult for you to think of such things if no-one in your family or immediate friends ever experienced any of these events.  You will have to look beyond your circle of friends, family, and acquaintances.


You need to know how to plan for your future.  That includes all things personal and property based.


Some things you can expect in advance and prepare for, others you cannot.  You can prepare for the following:


  • Financial problems
  • Health problems


You can prepare for, but not expect any of the following:


  • Robbery
  • Floods
  • Fires
  • Accidents


It helps to know what to do in the event of any of these things happening, but, you need to start off assessing how prepared you are.


Here are some things to ask yourself:


Do I have a plan to secure my income?


  • What happens if I get sick?
  • If I am permanently disabled, what will I do?
  • How will I get by, if I’m retrenched?
  • When I enter retirement, will I be OK?


How Will I secure My Property?


  • When I buy property, how will I guarantee monthly mortgage payments?
  • What will I do in the event of a Fire?
  • If there is a flood, what do I need to do?
  • How do I ensure all my property is covered in the event of a loss?


How will I take care of my health?


  • If you are diagnosed with a chronic disease, how will you care for your family?
  • In the event of your death, how can you still care for your family?
  • How will a disability affect your ability to care for your family?
  • Can you prevent yourself from being a health burden on your family?


How Will I take care of my personal security?


  • How can I ensure I can still care for my family if I have an accident?
  • What steps do I need to take to ensure I am safe at all times?
  • How do I protect my freedom?
  • What do I need to do, to ensure my future wellbeing?



What I do, and I hope most other people do too, is use a checklist whenever I’m about to do something.  It just helps make sure that you’re going into a situation prepared.  For all of the content on this site, and for a matter of fact, for all my blogging work, I use checklists to make sure I follow a proper posting format.


Use the following checklist for your personal safety and security



Questions you must ask yourself for your personal or property safety and security.  They are arranged in the following order:


  • My personal safety
  • Property security
  • Security during the activity
  • The Accomplishment



We start with personal security first.  You need to take care of yourself first before you worry about property.


My Personal Safety:


  1. Do I have the Knowledge?
  2. Am I alert enough?
  3. Will I have enough energy to see the task through?
  4. Did I hydrate enough?
  5. Have I eaten enough?


Let’s talk about the property:


  1. Have I got the right apparel?
  2. Do I have the right tools?
  3. What’s my plan?
  4. What is the end goal?
  5. Do I need help?
  6. Are there any obstacles to consider?
  7. What route will be the best?
  8. Whose property is it?
  9. Who do I report to?
  10. Where can I get medical assistance if necessary?
  11. What safety steps do I need to implement before work begins?


Let’s talk about safety during the activity:


  1. What’s the most important thing to do first?
  2. What comes next?
  3. Are there other important steps that need to be considered?
  4. What will I do when I finish?
  5. If I’m interrupted, what must I do?
  6. What must I be aware of?
  7. Is there anything that I must not do?
  8. What should I do instead?
  9. What can I do to make the work easier?


Let’s talk about the end:


  1. I did it, now what?
  2. If I made a mess, how am I going to clean up?
  3. Did I bring anything that I need to remove?
  4. If I altered anything, do I need to inform someone about it?
  5. Is the object/site still safe?
  6. Are there any safety concerns that I need to relay to someone else?
  7. Do I need to report anything to anyone?


As you can see, there are a lot of things to take into consideration whenever you consider doing anything in life.  Jumping into any situation without a plan can leave you vulnerable to safety risks.


Rather not leave things to chance, and use a checklist to keep yourself safe and secure.

Acquaint Yourself With BlockChain In 10 Minutes

We see, hear and read about bitcoin all the time.  Today, it’s time to talk about Blockchain Technology.


The text you’ll find here can probably be read in 10 minutes or less.  The TEDx video below however is just under 25 Minutes but does a great job of explaining Blockchain Technology in simple terms that anyone can understand.



Blockchain technology has been around since 2009.  Its aim is to decentralize the way in which business is conducted. Making it faster and easier, but more secure to do business across the globe.


Slow to be accepted just like any technology, it’s being used rather cautiously, but not publicly displayed for everyone to see.


The major BlockChain Players are:


  • Etherum
  • Ripple
  • Quorum
  • R3 Corda
  • Hyperledger Fabric


Let’s begin with what Blockchain is.


I will simplify as best as possible.


  • The BlockChain is a Computer Program
  • Records entered into the program are stored in encrypted blocks
  • You as the person entering information can specify the size and any number of blocks
  • You can specify a value for each block that is matched to a crypto key
  • Any transactions loaded onto The BlockChain are heavily encrypted


what is the blockchain


Contracts and Encrypted Data Blocks


  • What’s known as a “smart contract” can be loaded into the System
  • The contract is public and users (known as miners) on other networks bid on the contracts
  • The bidder will have to provide a matching key to get access to any block you specify
  • You can request financial or other fees before supplying a crypto key for access
  • When a bidder has been accepted, the contract is sealed


You’re probably wondering what the so-called “contracts” are, or can include.  Contracts can include fixed or movable assets, digital assets or fluid assets.



Smart Contracts allow for automated transactions based upon predetermined conditions or triggered events.  Which allows for faster more streamlined processes to take place and a quicker turnaround for both parties.



Typically they include:


  • Commodities – coal, gold, diamonds, minerals, etc
  • Tangible goods – clothes, electronics, etc
  • Finances – cash, bonds, loans, etc
  • Labour – tools, staff, etc


Is The BlockChain Technology Safe?



The BlockChain Technology is a tamper-proof Ledger.  Here is how it works:


  1. Someone uploads a contract to be fulfilled using a key
  2. Bidders bid on the contract and have to supply a matching key
  3. An accepted bid is verified
  4. The contract is closed to the public
  5. Financial, shipping and legal documents are added
  6. The contract is sealed and complete
  7. It cannot be altered
  8. Delivery must take place


How are contracts funded?



It all depends on the bearer of the contract and what they want.  They can demand cash, cryptocurrency or anything else they desire.


Common Cryptocurrencies


  • Bitcoin
  • Etherum
  • Bitcoin Cash
  • Litecoin
  • Dogecoin
  • BAT
  • NEO
  • Ripple
  • Stellar
  • Cardano
  • Thousands more with more created daily


That’s BlockChain in a nutshell.  If I’ve overcomplicated it, please do let me know.  I intended for it to be as simple to understand as possible.


If you have anything to add, please, do let us know in the comments section.