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Quora, the popular website where users can crowdsource answers to all kinds of topics, announced hackers gained personal information from up to 100 million of its users.Users account information such as email addresses and passwords may have been compromised.This comes on the heels of a massive data breach of Marriott’s systems, where hackers gained access to the data of 500 million users.It all begs the question: is there something we can do?The answer is yes, says security expert Fred Kneip with CyberGRX. He admits, however, that protecting your information can be frustrating.“Everyone hates changing their passwords,” Kneip says. “No one can keep track of them.”We all have to do it, he says. Kneip also says never use the same password for all your accounts.“If you use the same password over and over, a hacker if they compromise one of those companies—let’s say Twitter or Facebook most recently--but you use that to log in to your office or a bank, what they do is they take that password, that login and password set, and they apply it universally to see where else could that work,” Kneip explains.Suddenly, all your accounts risk being compromised. Kneip says a totally different password for each login is best, but even changing one character at the end will protect you from 90 percent of hackers.So, if you’re bad at keeping track of all your passwords, what can help? Kneip suggests encrypted password-keeping apps like Last Pass and One Password."Very straightforward; they’re free,” he says. “Then, you just have to have one master password that you open back up to.”The good news is, Kneip he believes we won’t need passwords for anything. Instead, our own biometric data will log us in to everything. 1739

President Donald Trump heard a series of heartfelt stories and pleas for change during a meeting Wednesday with people affected by some of the nation's highest-profile deadly school shootings, including the 1999 Columbine High School shooting, the 2012 Sandy Hook Elementary School massacre and last week's shooting at Marjory Stoneman Douglas High School in Parkland, Florida.Andrew Pollack, a father of one of the 17 victims who died in last week's Florida shooting, said he was speaking Wednesday because his daughter couldn't."We as a country failed our children," he said. "This shouldn't happen."  626

PUTNAM COUNTY, Fla. – Florida has recorded its youngest death from COVID-19, a 9-year-old girl.Kimora Lynum died last Saturday in Putnam County, a community located between Jacksonville and Orlando.Her family says Kimmie had no underlying health conditions when she developed a very high fever.Relatives say Kimmie was taken to the hospital for treatment, but was sent home. The child collapsed a short time later and died after her heart failed.Her family has no idea how or where Kimmie contracted coronavirus. Her grief-stricken mother says the child was healthy, stayed home all summer and she had no contact with anyone who had COVID-19.The 9-year-old is the fifth child in Florida to die from the virus. More than 400,000 cases of coronavirus have been confirmed in the state, according to a tally by Johns Hopkins University. 840

Psychologist say there are ways white people can be better allies for black colleagues during this time.Dr. Alfiee Breeland-Noble says there are things you should consider before reaching out.First, make sure it's appropriate.If you're polite to each other, but never really had deeper conversations before, now may not be the time. It can come off as disingenuous.Then, think about how you would want to be approached in a time of crisis. Some people may want space, while others do want to talk.Recognize that there may be cultural differences and be open about it.“So, it's really all about, I'm owning our experience, our life experiences are different. I'm owning my race. I'm acknowledging your race. I'm valuing both as equally valid and I'm saying to you in plain language, ‘I want to be a support to you,’” said Breland-Noble, psychologist and founder of the AAKOMA Project.That's a key part. You're trying to show support for them. Don't make it about you or your own validation.You can get that message across with what Breland-Noble calls "I statements.”“I want to communicate to you. I want to tell you that I care about you deeply, that I value you. That, you know and for some people it's important to hear that I do believe that black lives matter,” said Breland-Noble.Breland-Noble also recommends actually speaking with your black colleague. An email or a text can seem less personal. 1410

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495