Before using your credit card or debit card in ANY machine, make it a HABIT to tug on the card reader with good force. You’ll reduce the chances of your card being skimmed…by a lot.

If you watch lectures, speeches, interviews or presentations on YouTube, you can often increase the playback speed by .25 or .50 and still understand what the speaker is saying while saving a significant amount of time.

If someone is mad at you, give them enough time to calm down before trying to talk with them. People often don’t think logically when they are upset so trying to solve a situation while they are still mad can make matters worse quickly.

Never sign into any of your accounts by clicking a link in an email. Even if you’re fairly sure it’s a legitimate email. Instead, load up a new page and go to the website yourself to log in. Anything that you would be asked to do via email you will be able to find on the main site and it means that you don’t risk being caught out by a scam email.

Always offer coffee to handymen who enter your house, you will get better, quicker service and fun conversations. I had a woman offer me iced tea when I went to her house to install some furniture, and I remember it 16 years later. It’s such a great, easy way to welcome people into your home.

Make it a habit to delete your account from applications before uninstalling them from your phone If you stopped using app or website make it a habit to delete your account from their platform before leaving, will let you avoid a lot of spam, security risks and privacy concerns.

Don’t argue with people on online platforms. People tend to be more defensive of their opinions and more aggressive with their words. It will only ruin your day and waste your time.

You Must Do an Absolute 100% Dry Run Test of EVERYTHING for Any Important Event or Presentation. Assume Nothing Will Work Right. Be Paranoid. I can not tell you how often I’ve seen people screw the pooch or shoot themselves in the foot all because they didn’t completely 100% test EVERYTHING prior to some important thing they had to do. Not having batteries, not having the right cord to connect your laptop to some projector, not having the right software to connect your system to another system, having some software update change your settings and screw up your program, forgetting to account for timezone differences, having the incorrect phone number or web meeting address, being unsure as to who is doing what, missing some widget…

When considering a financial advisor, ask if they are a fiduciary. Fiduciaries are required by law to act in YOUR best interest. This could potentially save you hundreds of thousands of dollars by retirement. Fee-only advisors are somewhere you can potentially start. That means they aren’t getting paid to sell you stuff you don’t need (insurance products, load funds, etc.) If you don’t know what these are, please look them up. It could save you a ton later.

Harvard University listed 67 online courses for free! Now’s a good time to pick up a new skill and/or certification for your CV. Or perhaps you have a friend or relative that has a hard time deciphering fact from fiction within the news – there’s a course called Rhetoric: The Art of Persuasive Writing and Public Speaking where you’ll be able to ” evaluate the strength of an argument” and to ” identify logical fallacies in arguments”. http://online-learning.Harvard.edu/catalog

You can recall sent emails in Gmail up to 30 seconds after you’ve sent them. Change the time from the default 5 seconds in Settings>Undo Send. The option to recall the email will be in the bottom left corner.

After a bad break up, do 10 things that your ex would never do with you. You’ll feel better and realize how much of yourself was being held back.