Senator Brewer’s Update Obituaries€¦ · you should care about your credit score: Prospective employers may check the credit re - ports of job applicants; in - sur ance companies

THE ARNOLD SENTINEL THURSDAY, JULY 18, 2019 Page 5

AVOIDING TECH SUPPORT SCAMSSeveral readers have re-

cently been targeted bytech scam callers. Hereare a few tips to stay safe.If someone calls you un-

solicited, be careful.Never give control of yourcomputer to a third partywho has called you. It’slikely they’ll install mal-ware on your computer tosteal your personal infor-mation.Never give anyone your

passwords. Remember,no legitimate companywill ask you for your pass-words over the phone.Never click on any linkyou weren’t expecting. Fi-nally, if you haven’tsigned up for the Do NotCall registry, you need to,and if you aren’t sure,sign up again. You can goonline to www.donot-call.gov to register.

********BOO-BOOS THAT CANBURST YOUR CREDITSCORE BUBBLEI recently received a

pleasant email from areader letting me knowthat he bumped up hiscredit score by almost 100points with information Ishared in this column. Inthat spirit, I thought Iwould share some morepractical tips to avoid mis-takes — and maybe boostyour score as well.Trying to determine the

best course of actionwhen it comes to creditscores can be tricky be-cause the rules can beconfusing. One misun-derstanding is the beliefthat we have to carry abalance to build credit.That could be costing youin the form of unneces-sary interest payments.Instead, a better way is

to have a budget that willgo to your credit cardeach month. Another im-portant tip is don’t chargemore than 30 percent ofyour total available credit.If you can keep it below10 percent, this will reallyboost your score quickly.And finally, pay your billsin full every month andalways by the due date.Stick to these tips and

this will help improveyour credit score. And payall your bills on time —not just your credit cards.As a reminder, your pay-ment history makes up 35

Consumer Advice

“On your side”Terri Dickerson

percent of your FICOscore, which can havequite the impact on yourcredit score.Here are a few reasons

you should care aboutyour credit score:Prospective employersmay check the credit re-ports of job applicants; in-surance companies mayuse your credit scoreswhen determining yourpremiums; and if yourent an apartment, yourcredit score will likely bechecked. Finally, if you’dlike to purchase a home,credit is a huge factor inthe loan process.

********WAR ON ROBOCALLSUPDATE: Here’s an eye-opening

statistic: The state ofIdaho has about 1.7 mil-lion people and our statealone logged about 250million robocalls lastyear. According to themath, that means eachperson received 147 calls.Since not everyone has aphone, it’s no wonderwe’re getting inundatedwith these annoying calls.The internet has made it

incredibly cheap and easyto place thousands of callsin an instant. Many read-ers have complained thatsimply ignoring un-known calls isn’t always agood option since theymay be waiting for ahealthcare provider tocall them and might nothave that number in theircontact list. Missing thesecalls can be frustratingbecause now they have towait for a call back.Unfortunately, waiting

around for big telecomand regulators to solvethe robocall problem isnot a good option. Also,criminals can’t be legis-lated since by definitionthey are law breakers,which means legislatorsare no help when itcomes to combating robo-callers. So what’s the an-swer? A variety of appsand phone services thatcan help you block andfilter these annoyingcalls.Most of the major cell-

phone and landline carri-ers offer some form ofspam-fighting technology,so call them and getsigned up. There aresome Apps available thatoffer robocall relief. A few

Arnold, NE- Marilyn E.Harwager age 83 ofArnold died July 8, 2019,at the Callaway Good LifeCare Home where shehad been a resident forthe last 12 years.Memorial graveside

services will be held onFriday, July 19, 2019, at11:00 a.m., at the ArnoldCemetery at Arnold, NE,with Pastor Rick Johnsonofficiating. Burial will bein the Arnold Cemetery.Arnold Funeral Home isin charge of the arrange-ments. In lieu of flowersthe family requests me-morials go to the Call-away Good Life Center.Online condolences maybe left at www.govier-brothers.com Marilyn Emajean Har-

wager was born on June2, 1936, to Leo and Flo-rence (Whipple) Harwa-ger at Callaway, NE.Marilyn attended schoolat the Hall CountrySchool. She helped hermother cook on theranch. Marilyn lived withher mother until shepassed away. Marilynthen lived with herbrother and sister-in-lawJack and Lavon Harwagerfor 23 years. Marilyn be-

came a resident of theCallaway Good Life Cen-ter in 2007. Marilyn was baptized in

the Arnold UnitedMethodist Church as ayoung lady. She loved tobabysit her nieces andnephews. She also en-joyed her flowers and gar-dening. Survivors include her

brothers; Bill Harwagerof Arnold, Jack (Lavon)Harwager of Arnold, hersister, Donna (Jim) Storyof Stapleton, sister-in-lawAnita Harwager of Staple-ton and numerous niecesand nephews. She was preceded in

death by her parents, twobrothers, Dan and DeanHarwager and her sister-in-law Karen Harwager.

ObituariesMarilyn E. Harwager

1936-2019

examples are Hiya,Nomorobo, RoboKiller,YouMail, TNS and True-caller. While none ofthese solutions is 100 per-cent effective, some stud-ies have reported thatthey can offer up to 66percent relief. Thatmeans if you’re getting 30calls a day, they might fil-ter out 20.Get on or get back on

the Do Not Call List. If ithas been a few years sinceyou signed up, it’s a goodidea to sign up again.Finally, if you aren’t able

to ignore a suspicious calland it turns out to be arobocaller, hang up asquickly as you can with-out pressing any buttons.A cure isn’t possible just

yet. A little relief is thebest we can hope for.

********

Remember: I’m on yourside.

If you have encountered aconsumer issue that you havequestions about or think ourreaders should know aboutplease contact me at [email protected] include your name,phone or email. I am a copy-writer and consumer advo-cate.

Senator Tom Brewer43rd District7-5-2019

“America was never thatgreat.” Andrew Cuomo,Governor of New York,August 16, 2018Mr. Cuomo isn’t the only

prominent person I’veheard say things like this.I’m deeply troubled by it.I’m also very confident heand the other disgracefulsocialists he representsare the tiny minority ofour population. I neverthought that I would liveto see the day wherebeing anti-American wasin style; where displays ofAmerican patriotismwere criticized.We’re a free country and

people have a constitu-tionally protected right tospew whatever anti-Amer-ican crap they want. But Ithought that having justcelebrated our nation’s243rd birthday, nowwould be a good time torecall just a few reasonswhy the United States ofAmerican is the best

country on Earth. 1. We spent generations

of American blood andtreasure on every cornerof the globe saving count-less millions of peoplefrom tyranny. The USAhas brought about theend of more murderousdictators and oppressiveregimes than every othercountry combined.2. We’re the world’s old-

est continuous republic.No country does a betterjob of spreading freedomand democracy than wedo. America has lifted thecruel yoke of bloodthirstytyrants off the neck ofcountless millions of peo-ple around the world, andthen re-built their coun-tries for them – no charge. 3. There is always some-

thing more that can bedone to continue improv-ing race relations, but letsbe clear on one thing: Weare the least racist coun-try on Earth. We fought awar amongst ourselveswhere over 600,000 peo-ple died to end thescourge of slavery and se-

cure the blessings of lib-erty and the Americandream for ALL Americansregardless of race. Noother country on Earthhas bled more for its ownpeople, or has done morefor basic human rightsthan we have.4. Our constitution is as

close to a perfect form ofgovernment the hand ofman has thus far man-aged to accomplish inrecorded human history.Nothing else on Earth hasguarded the freedom andindividual rights of a peo-ple, or lay the foundationfor such unparalleledhuman prosperity thanour constitution.5. American ingenuity

and productivity leadsthe world. We’re also theworld’s most charitableand generous country. Weinvented the internet, life-saving surgery, the cottongin, the electric light,cures to countless dis-eases. No other countryhas left a flag on themoon. There isn’t roomin this newspaper for the

complete list of wonder-ful things America hasgiven the human raceand it gets longer everyday. Mr. Cuomo, and the oth-

ers who think America isa bad place, need to loveit, or leave it. Please contact my office

with any comments, ques-tions or concerns. Emailme at [email protected],mail a letter to Sen. TomBrewer, Room #1423, P.O.Box 94604, Lincoln, NE68509, or call us at (402)471-2628.

Senator Brewer’s Update

Today In History64: Great Fire of Rome begins under the Emperor

Nero.1290: King Edward I orders expulsion of Jews from

England, this edict will remain in place for 350 years.1536: Pope's authority declared void in England.1716: Decree orders all Jews expelled from Brussels.1743: 1st half-page newspaper ad is published (NY

Weekly Journal).1753: Lemuel Haynes, escapes from slave holder in

Framingham, Massachusetts.1768: Boston Gazette publishes "Liberty Song",

America's 1st patriotic song.1853: Completion of Grand Trunk Line, trains begin

running over 1st North American railroad betweenPortland, Maine and Montreal.1864: US President Abraham Lincoln asks for

500,000 volunteers for military service.