Jun 8, 2009

Things To Know When Using a WiFi Hotspot Or a Public PC

via MakeUseOf.com by Karl L. Gechlik

Security_Head We all know how it is you are on vacation and you have to check your email and log into your bank or online portfolio. Maybe you have your own laptop and you want to get your email at a Wi-Fi hot spot. These scenarios can be innocent but they can also be your worst nightmare!

Public computers and Wi-Fi hot spots can be set up to log everything you do through a rouge connection.

So to keep you safe in the land of public computers and free Wi-Fi I have compiled some tips for you. Read through them and if you have something to add please feel free to do so in the comments.

When using a public computer:

  • Whatever you do absolutely NEVER EVER save your log-on information. That means avoid clicking the box that says Save My Password or Remember Me. This will allow the next user of this machine to possibly log on to this web site as you. And we do not want that! Find and click the "log out" button the website before you leave.
  • Don't type personal information on the computer. Avoid credit card account numbers, banking passwords and things that can be used to give you a bad case of identity theft. Save these transactions for your home or from your handheld on a respectable carriers network. Even encryption won't help if the machine has a keylogger on it.
  • Erase your web browsing history and restart the computer (if you can't log-off).
  • Watch out for people staring at you or spying on you. This may be common sense but it should definitely be on the list.

Some other tips were also mentioned in our earlier post covering safety on public computers.

When using a public Wi-Fi hotspot:

You might already know how to secure your wireless connection but what about public Wi-Fi hostpots.

  • Use a firewall – There are tons of free firewalls out there like Zone Alarm. But, your Windows XP Post SP2, Vista or Windows 7 machine has one built in. Turn it on! I like configuring ZoneAlarm to let me know what is going on and trying to access my machine and or files.
  • Turn off your Wi-Fi when you're not using it. Do not log into a network you do not know and just leave your machine on. If you are not using it turn it off. This is like locking up your machine when you walk away from it. Don't make yourself a target. Most newer machines have a switch on them like the one depicted below or you can right click on the Wi-Fi icon on your task bar and choose disable.
  • Encrypt sensitive files prior sending them over. We have covered several free file encryptions tools.
  • Just like we said before don't type in information you don't want other people to see. If you keep the data in your head – then no one can get to it short of physically harming you!
  • If you HAVE TO use a credit card or enter passwords on a public Wi-Fi connection – make sure the web site is using SSL. It will have a padlock icon on your browsers right hand corner as well as a HTTPS:// in the address.
  • Disable Wi-Fi Ad-hoc Mode – Disabling this in your Wi-Fi settings will prevent your machine from connecting to someone's computer that you don't know. Most normal Wi-Fi connections use Infrastructure mode. Where as Ad-hoc meshes a group of Wi-Fi users into a pseudo network.
  • Personal Finance 101: What Is a 529?

    via The Simple Dollar by Trent on

    pf101Fairly regularly on The Simple Dollar, I mention that I'm investing in 529 college savings plans for my two children. Each month, I automatically contribute $100 to each of their plans - and I've considered contributing more than that.

    But what's a 529? Erin writes in with a typical query:

    You write all the time about saving for your kids college education in a 529. What is that? How do you do it?

    Let's dig in.

    What Is a 529?
    A 529 plan is simply an investment account with a few tax advantages that make it very useful for saving for higher education. To be specific, any interest or investment income earned in the account that is then used for higher education is exempt from federal taxes (and from state taxes in many locations). In some states, the contributions themselves are deductible from state taxes.

    There are two types of 529 accounts: prepaid accounts and savings accounts. Prepaid accounts are used to purchase tuition "credits" at certain institutions at current rates, so, for example, you might be able to purchase a semester's worth of tuition at East Overshoe Tech at the current rate of $10,000 a semester, but in fifteen years when your child is actually attending the school, tuition might cost $20,000 but you won't pay a dime - you've already purchased that semester.

    On the other hand, savings accounts are basically just investment accounts - you contribute money, it goes into the stock market or into bonds, and any gains you earn stay within the account. When the account's beneficiary goes to college, the money can be used at any school. In other words, savings-style 529s are more flexible, but they often don't return quite as well (since higher education tuition growth is usually greater than the stock market).

    Most states have their own 529 plans with specific rules; however, many states have plans that are open to people from other states to contribute.

    Another important aspect of 529 plans is that the beneficiary does not control the account - the person that opens the account controls the money. This is a great protection, as it keeps overzealous children from "cashing in" on their college savings.

    How Do I Do It?
    My investments go through College Savings Iowa. This offers me a number of specific benefits.

    First, as an Iowa resident, my contributions to my children's plans are deductible from state income taxes. Largely because of these contributions, we received a refund on our state taxes this year, while we had to pay in a small amount on our federal taxes.

    Second, College Savings Iowa uses Vanguard to manage their investments, and Vanguard is a company I already trust with my retirement savings and other investments. The plan offers quite a few stellar investment choices - I'm currently using the "aggressive" target investing plan for both of my children, which is a low-cost collection of index funds that strive to earn large returns.

    Third, the plan is tied in directly with Upromise. Once I signed up with this program, a small percentage of our credit card usage goes straight into those 529 accounts. It's usually a small amount each month, but this money is essentially an additional free contribution to my children's college savings plans.

    How Do I Sign Up?
    First, you need to decide which plan to use. Most states offer their own 529 plans, but they all vary quite a bit. You should start by seriously considering the plan in your own state, because many state plans offer income tax breaks for state residents - you can find your own state's plan by Googling your state's name and 529.

    If your own state doesn't offer a plan or only offers a plan you don't like (such as a 529 that only allows prepayment of tuition to universities you don't like), look at plans available in other states. Liz Pulliam Weston at MSN MoneyCentral has identified five great state plans, for starters.

    Once you've signed up, you'll set up an automatic investment plan that draws whatever amount you specify each week or month from your checking account and puts it away for your children's education (or your grandchildren's education … or your own). It's quite easy, and it's a great way to get started with college savings.

    Quick Free Zip File Compressor & Extractor (WinZip Alternative)

    via MakeUseOf.com by Joel Reyes

    For quite some time now there haven't been many free apps that could be said to rival or go up against the giant file zipping and compressing giant, WinZip. This is determined in the apps ability to compress or decompress files with substantial power and extraction speeds.

    We believe we've found a completely free alternative to WinZip called ZipItFree.

    Why ZipItFree?

    Besides the fact that (as it states it in its name) this app is free there are no annoying and irritating registrations or fees to pay. As soon as you unzip a file you have full control of functions through a modern and stylish graphical user interface while also being able to enjoy the benefits of its speed as well.

    Decompressing files is even easier (as it should be) then zipping them up. All you have to do is open your ZipItFree file and locate the extraction button and click it. Your extraction should instantly begin.

    The method of file compression this app uses is many times referred to as the "Black Hole" by developers because of its extremely high compression ratios and mega-fast decompression.

    Another reason this desktop app (compatible with Windows versions NT-Vista) can be placed at the top of fellow similar software is its ability to utilize ZipV2 encryption algorithms to archive contents within a zipped file. This has been classified as over 100 times more secure than AES encryption algorithms (used by several un-zipping apps).

    Our Journey Ends

    ZipItFree handles several different formats with ease and allows you to leave comments on your archives describing what that specific archive contains so that you don't have to unzip every file every single time you may be searching for something.

    A few things that could be fixed on this fairly new app would be the support of additional formats, for now ZipItFree can support a wide variation of files; however, it still does not support all formats. The only other con I came across is that although the encryption method is substantially strong, it still may not be enough for everyone. It would be a much stronger app if it were able to somehow allow app users to choose stronger and better encryption methods totally dependent on their needs.

    Here are a few files that ZipItFree easily supports: ACE, ARC, BH, BZip, CAB, GZIP, JAR, LHA, RAR, TAR, UUE, XXE, ZIP, and Zoo.

    May 12, 2009

    Social Security And Medicare Will Be Insolvent Even Sooner Than Predicted [R...

    via Consumerist by Chris Walters

    Caution: old people struggling to get byIf you plan on retiring after 2037, you'd better get really serious about saving now. It might not hurt to also take a vow of poverty; that way you'll feel like it's your decision to live off of cardboard and dumpster fruit in your sixties.

    Why are we being so pessimistic? Because the government says Social Security benefits and Medicare coverage are going to run out even sooner than they thought.

    Trustees of the two programs said Tuesday that Social Security will start paying out more in benefits than it collects in taxes in 2016, one year sooner than projected last year, and the giant trust fund will be depleted by 2037, four years sooner.

    The trustees said Medicare was in even worse shape. They said that the trust fund for hospital expenses will pay out more in benefits than it collects this year and will be insolvent by 2017, two years earlier than the date projected in last year's report.

    If you don't know where to start, try browsing the posts under our "retirement" tag for some great stories and tips to get you pointed in the right direction.

    "Social Security and Medicare Finances Worsen " [Associated Press via the New York Times]
    (Photo: rileyroxx)

    How Much Life Insurance Do You Need?

    via fivecentnickel.com by Nickel

    In writing about how to save money on life insurance, I mentioned that you shouldn't buy too much coverage. After all, if you buy more insurance than you need, you're just throwing money away. But that begs the question…

    How much life insurance do you need?

    Unfortunately, there are no easy answers. In fact, my wife and I have bought and re-bought new life insurance policies several times in the past 5-10 years as we tried to get it right. The real challenge for us has been that the "right" answer has been a bit of a moving target. As our income has increased and our responsibilities have grown, we've outgrown our coverage.

    Given our past experiences, I thought I take some time to share what we've learned. Note that I'm talking specifically about term life insurance policies here, as I'm a proponent of the view that you should keep your insurance and investment needs separate — in other words, buy term and invest the difference!

    Do you even need life insurance?

    Depending on where you're at in life, it's possible that you don't need life insurance at all. For example, if you're single and have no dependents, you might be able to get away without buying a policy. But if others depend on you for your income, then you'll likely want at least enough coverage to replace your earning potential, at least temporarily.

    Life insurance rules of thumb

    If you poke around online, you'll find a number of websites that claim that the 'best' approach to determining your life insurance needs is to simply buy a policy that corresponds to a certain multiple of you annual salary. The problem here is determining the correct multiple.

    Should you buy a policy for 8x your annual salary? 10x? Why not 12-15x? In the end, this really boils down to what you want your life insurance to do for your. If you'd want your life insurance policy to provide support for your family for an extended period, you'll obviously need more. If you're comfortable with your insurance policy being a short-term stopgap, you can get away with less.

    An alternative approach to buying an arbitrary multiple of your salary would be to use an online life insurance calculator. In this case, you enter data on anticipated one-time expenses, ongoing living expenses, timeframe, etc. and the calculator will spit out an answer.

    Don't forget employer-provided coverage

    Another factor to consider when determining how much life insurance to buy is whether or not (and how much) coverage you have from work. In many cases, As valuable as this sort of coverage can be, it's important to not become too dependent on it. After all, if you lose your job, you'll likewise lose your life insurance coverage.

    What about a non-working spouse?

    Another important thing to consider is whether or not you have a non-working spouse. On the one hand, you'll have to decide whether or not to purchase coverage for them (we did, more below). On the other hand, you also have to worry about your spouse incurring expenses that aren't directly reflected in you salary.

    Perhaps the most troublesome point in this context is health insurance. In our case, we have great health insurance coverage. Unfortunately, it's tied to my job. Since my wife stays home with the kids, and since we'd want her to continue doing so at least for awhile, we need to plan for private health insurance.

    Other factors to consider

    Are you relatively early in your career path? Do you plan on expanding your family? Do you anticipate any other major changes in the future? If so, then it's likely that your life insurance needs will change (perhaps dramatically) in the years ahead.

    There are two main ways for dealing with these sorts of things. One is to try and project your needs and size your life insurance policy accordingly. The other is to buy the right policy for today, and then simply replace it at some point in the future.

    Both of these approaches have their downsides. Overbuying now means that you'll spend more than necessary in the short term. However, if you wait to buy more coverage, you run the risk that you'll fall ill in the interim, and your rates will increase dramatically.

    How we approached it

    In the end, determining your life insurance needs is a very personal matter, and broad rules of thumb are unlikely to provide you with the right answer. This last time around, my wife and I sat down and outlined exactly what it is that we want from our life insurance policies if something happened to one of us.

    In short, we'd both want for our family's lifestyle to change as little as possible. We have four young kids, and my wife stays home with them during the day. If she were to pass away, we'd need to replace her efforts at home with someone to watch the kids while I'm at work, help around the house, etc. Thus, even though she doesn't generate any outside income, we need for her to be insured.

    Likewise, if I were to die, we wouldn't want for her to suddenly have to go back to work. Thus, we'd need to completely replace my income for the foreseeable future. We'd also need for the payout to be large enough to cover new expenses like private health insurance since our health insurance is currently tied to my job.

    How much life insurance do we have?

    In the end, we bought a pair of twenty year term life insurance policies to cover us. We selected twenty years because that roughly corresponds to the time at which our kids will be out of the house and completely on their own. At that point, our day-to-day responsibilities, as well as our need for life insurance coverage, will drop off dramatically.

    In terms of amounts, my policy is worth roughly 20x the income from my day job. That might sound like a lot, but I also make a decent amount of self-employment income, so it's a much smaller multiple of my total annual income. On top of this, I also have a limited amount of coverage — 3x my annual salary — through my day job. The nice thing about the employer coverage is that it rises with my salary, such that our total coverage will grow slightly over time.

    In my wife's case, we bought a smaller policy, corresponding to roughly one-third of my coverage. As noted above, it's important for us to have coverage for her, as we'd want to maintain a very similar way of life for our family even if one of us were out of the picture. Thus, we'd need to hire someone to help with the kids, help keep the house in order, etc. However, since my wife doesn't currently generate any outside income, we can get away with less coverage for her.

    May 6, 2009

    The Blue Screen of Death Survival Guide Decodes Your System Crash

    via Lifehacker by Jason Fitzpatrick

    Getting a Blue Screen of Death is never a good time, but the infamous error screen is actually trying to help—seriously! This handy guide can make some sense of what's killing your computer's stability.

    PC enthusiast site Maximum PC put together a guide covering how to read the crash screens and logs. When you know what's wrong, the guide also leads you through common causes, troubleshooting those common causes, and, for the final layer, diving into the Microsoft knowledge base to get fine-grained on those BSOD annoyances. If you've been wrestling with a Blue Screen of Death lately, check out the guide and see if you can find a solution before throwing in the towel and rebuilding your system.

    How to Make the Perfect Martini


    menmaking2 How to Make the Perfect Martini

    Editor's Note: On Tuesdays, we'll be featuring an excellent article or video that was originally posted in the Art of Manliness Community by a community member. Today we've selected a post from Mr. Cook about how to make the perfect martini. Put on something from the Rat Pack and follow his instructions.

    Twas a woman who drove me to drink, and I never had the courtesy to thank her for it.
    – W.C. Fields

    It's an argument that has plagued modern man since the dawn of time. Well, since the early fifties, at least. Just how does one make the "perfect martini?" If you ask ten different martini drinkers, my bet is you'll get ten different answers. Most will be crap. Gentle readers, I intend to put this query to bed, once and for all. The following is the only way to make the perfect martini. Read it. Memorize it. Become one with it. For this, indeed, is the ultimate guide to the good life.

    First off, you'll need a few items:

    • Ice. Lot's of it.
    • Properly chilled, stemmed martini glasses (Properly chilled means your glasses should be in the freezer for a minimum of one hour prior to making the martini. To avoid confusion, or disaster, I suggest putting said glasses in the freezer and leaving them there permanently.)
    • Vermouth
    • A glass pitcher or metal shaker
    • Garnish, be it olives, or lemon peel. These are the only things, garnish-wise, that are permitted. Sure, you can use things like cocktail onions, but then it isn't a martini, now is it? The answer is no. It's a Gibson.
    • And last, but obviously not least, gin. Pay attention, dear readers. I said GIN. I did not mention raspberries, chocolate, or anything involving butterscotch. Those drinks may be "martini-like", by virtue of the type glass in which they rest, but the similarity ends right there, buster. And don't give me any of this James Bond crap about vodka. No! That is not a martini, either. Case closed.

    woman How to Make the Perfect Martini

    Shocking, I know.

    12 Steps to the Perfect Martini

    1. First, grab the vermouth out of the fridge. It needs to be in the fridge, because it's a perishable item. Take off the cap. Pour the vermouth into the cap. That's all the vermouth you need.

    2. Now, take the glass pitcher, or metal vessel, out of the freezer, where it, too, should remain.

    3. Put the ice in the container (a healthy handful of cubes, at least seven to eight, in my opinion), and then pour in the vermouth. You want not only to coat the bottom of the shaker/pitcher, but the ice as well. Give it a swirl, and then out it goes, right down the drain. Now, it's not necessary to shake it to death. A drop or two of vermouth is in proper proportion.

    4. On to the gin, which should be kept in the freezer. Let's be tasteful here, folks. The contemporary man has been trained by various restaurants and bars that a martini should be somewhere between the size of your noggin and a bowling ball. Nope, nope, nope. Two shots. That's three ounces. No more. Could be a half oz. less, actually.

    5. At this point, it depends what type of container is in use. If it's a glass pitcher, you stir. If it's a metal one, you swirl, in a semi-vigorous manner, but not violently. You want the ice friction to cause a chain reaction of cold, but you don't want to bruise the gin. Gin needs to be gently introduced to the vermouth, and there MUST be some ice melt dilution. So, swirl, or stir, depending.

    6. At this point, put your container down and your accoutrements away. Find some good music. In my opinion, all this ultra-lounge stuff is fine. Mancini, Julie London, Les Baxter, et. al. I listen to it, too. But, my first instinct is now, and will always be, to go for the Sinatra. Why mess around? After Sinatra, there's Dean-o, then Sammy. After I've exhausted those, then, and only then, will I go for the lounge.

    7. Okay, back to the drink. Swirl it some more.

    8. Now put out something to nosh on. My preference is for good old fashioned cocktail peanuts, spanish-variety if you can find 'em. It was always good enough for Dad, so it's what I go with. I think it's passed on in the genes, actually. Other options are mixed nuts, or even blue cheese on crackers. As long as it isn't things like goldfish crackers, chex mix, yogurt-covered anything, etc., you'll be fine.

    9. Back to the drink again. Swirl some more.

    10. Grab the olives out of the fridge. Take your toothpick and push out those nasty little red pimento buggers. Mount up two olives.

    11. Swirl some more.

    12. Strain the concoction into two martini glasses (I say two because martinis need to be drunk in the presence of beautiful women. The same logic goes for the olives. You use two, as Sinatra put it, so there's one for you, and one for the beautiful gal that's about to walk in the door.) In go the olives. Out go the day's troubles.

    If you drink, don't drive. Don't even putt.

    – Dean Martin

    Martini Drinking Etiquette

    Martinis are serious drinks, for serious people. Case in point:

    franksinatra How to Make the Perfect Martini

    As I said before, they aren't to be made with amaretto, or as big as a football, and they most certainly are never, never, never to be drank while wearing jeans, t-shirts, or ball caps (whether worn frontwards, sideways, or backwards. N. O. means NO!) Of course, a tux is the ultimate, but not practical for most of us. A dinner jacket is nice. Or, a "loose flowing sport shirt," i.e. a classy, not chincy, Hawaiian shirt. Again, that's Sinatra, this time from From Here to Eternity. But, you knew that already, right? Right!?!?

    You have to remember, the martini is the King of the Cocktails. It's from a different era. A martini is not something to be raced through, but to take your time with, in a relaxed state of mind. All that hooey-phalooey about vigorous shaking, and drinking it before there's even a thought of ice dilution is for frat boys. Guys that drink their "martinis" with chocolate in 'em. Or vodka. Just look at movies like The Tender Trap. Now, while I don't advocate using equal parts vermouth to gin, nor making them in fishbowls, as was done in said film, the point is, it's a casual thing. Back in my Dad's day, martinis were made in large glass pitchers, with ice, and left to sit out. Kinda like in The Seven Year Itch. I do, However, recommend taking the cubes out before drinking. Marilyn didn't seem to mind, I must say.

    Happiness is a dry martini and a good woman … or a bad woman.
    –George Burns

    May 2, 2009

    How to Negotiate and Lower Your Bills

    via fivecentnickel.com by Laura on 4/28/09

    We've recently been looking at our expenses to see if we can lower any of our bills. So far, the results have been promising. Earlier this year, we cut our car insurance bill in half. We also noticed that our cable and internet bill went up, so we called our provider. After speaking with customer service, they extended our promotional rate for another year. That 5-10 minute phone call saved us around $150.

    A big reason that more people don't do this sort of thing is that they don't know where to start, or they think it's too hard to do. Trust me, it's a lot easier than you might imagine. The web also has tons of resources to help you with your bills, and by using these along with the RECAP method (outlined below), you can lower your household bills painlessly.

    The RECAP method

    I'm currently reading Nudge, a book about behavioral economics. In it, the authors talk about "RECAP" as a way to assist consumers handle making complex decisions, such as comparing cell phone usage and looking at plans. It involves the following steps: Record, Evaluate, and Compare Alternative Prices.

    What follows is a rundown of how you can use this model to systematically negotiate and optimize your household bills.

    Record your current bill and usage for each company

    Look at your bills carefully and examine your services and all costs. For example, when looking at your cell phone bill, note how many minutes you get and any other benefits that you might have, like rollover minutes. Be informed of every fee that currently exists with your services.

    Evaluate whether or not you've optimized your service

    Sometimes we pay more for something than we actually use. Keeping with the cell phone example, take a loot at the average number of minutes you've used in the past 6 months. Are you close to the limit, or could you move down a tier? Sometimes people buy a plan thinking they'd rather be safe than sorry, but they end up wasting a ton of money.

    When I looked at our cable and internet bill, I saw that we're using all of the services, so I knew we wanted to keep them. Thus, when I called the company, I was only interested in negotiating the price.

    Compare Alternative Prices

    Take a look around, and write down how much each comparable service's costs, paying attention to any extra hidden fees that switching may include. Use an online tool like BillShrink to find better deals. LowerMyBills also allows you to comparison shop. Sites like these save a lot of time and reduce the legwork you need to be successful.

    Handling the phone conversations

    So you've done your due diligence and you're ready to talk to your current provider. How do you handle the phone call?

    Here are a few things you need to keep in mind as you speak with the company on lowering your bill:

    Take notes during all of your calls. Keep a notebook or spreadsheet of who you talk to, when you called, and what you agreed to. You may have to go back and reference the call if there is an error with your bill, so be thorough. I've had this happen once or twice for cable, but as soon as I mentioned the customer service representative's name and summarized the conversation, it was quickly resolved in my favor.

    Be brief when explaining why you want a discount. Customer service representatives are trained to counter your arguments. Be polite, direct, and calm. Getting emotional will not help, and you might even wind up with negative notes added to your account.

    Ask them what can they do to help you. I called our cable and internet company and simply said: "I'm calling because we noticed our bill increased. We're really tight on money right now, so I wanted to see what you could do to help us." This puts the ball in their court, and makes it awkward for them to say no. The customer service representative placed us on hold or a minute or so and when she came back, she gave us the discount.

    Be ready to actually switch companies. If you're not getting the service and price that you need, you have to be ready to walk away. Most of the time you'll be transferred to the cancellation department (sometimes referred to as "retentions") which usually has more authority to help you.

    What not to say

    In talking about negotiating with banks, Ramit Sethi had some good points on what not to say:

    • "Are you sure?" Don't make it easy for the rep to say no.
    • "Is there anything else I can do?" Again, imagine if you were a customer service rep and someone said this. It would make your life easier to just say "no." As a customer, don't make it easy for companies to say no.
    • "Okay." Don't give up here. Despite what you learned in sex ed, "No" does not mean "No" when it comes from a bank.

    Avoid questions with one word answers. Instead, ask what else they can do tell help you. Engage them and it will be harder for them to dismiss you.

    Scientific: Bacon Cures Hangovers


    bacon hangover.jpg In a study that surprises nobody who's woken up still Tyrannosaurus Wrecked from the night before in a puddle of someone else's urine and eaten the breakfast of gods, scientists have discovered bacon really does cure a hangover.
    "Bread is high in carbohydrates and bacon is full of protein, which breaks down into amino acids. Your body needs these amino acids, so eating them will make you feel good." "Bingeing on alcohol depletes neurotransmitters too, but bacon contains a high level of aminos which tops these up, giving you a clearer head." Researchers also found a complex chemical interaction in the cooking of bacon produces the winning combination of taste and smell which is almost irresistible.
    As a matter of fact, I remember reading somewhere in the Bible that the Apostles would all fry camel (a close relative of the pig, don't bother looking this up) after a night of boozing. So, yeah -- bacon: it's what Jesus would do. Also, that's me in the picture. Bacon sandwich really does cure a hangover [telegraph] Thanks to The Baconator, Kevin, Rick, Cam, Duffman, Jonathan and Barry, who know the best way to cure a hangover is to start drinking again.

    Pronounce Names Saves You from Embarrassment [Etiquette]

    via Lifehacker by Adam Pash

    Search engine Pronounce Names—perhaps unsurprisingly—contains a database of names complete with proper pronunciation, saving you from embarrassment next time you face a challenging name.

    Pronounce Names is very similar to previously mentioned How to Say that Name, a site that offers only audio pronunciations of user-submitted names. Pronounce Names appears to do audio as well, but we weren't able to find any recordings on the site (so How to Say that Name wins out on that front). However, How to Say that Name doesn't offer any phonetic pronunciation guides (Pronounce Names does), which is annoying when the submitted audio isn't that good or you need help sounding it out yourself. Either way you slice it, both services can come in very handy in a pinch. Thanks EstaApplesauce!