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Stop thinking about retirement by tapping tech to rediscover what gets you excited

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Stop thinking about retirement by tapping tech to rediscover what gets you excited

Even if you’re retired or well into your career, it’s never too late to learn a new skill. And because you don’t need to go back into a physical classroom to learn those skills anymore (something that can be very anxiety-inducing for some people), taking the leap to study may be much less daunting when you can do it online.

Whether you’re looking for a career change, want to stay relevant at your current job or are looking for something to do post-retirement, why not try something new?

There are so many websites that offer low-cost or even free courses where you can advance your skills on your own time without having to borrow thousands of dollars or change your routine and dedicate yourself to it full time.

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Two women looking at computer (Kurt “CyberGuy” Knutsson)

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What are the highest-paying jobs in 2024?

If one of the reasons you’re looking to learn a new skill is that you’re interested in a higher-paying job, that’s understandable. Or maybe someone younger than you is asking for advice, and you want to give them some tips on what they can pursue. Perhaps you’re just curious about what the highest-paying jobs are these days. Whatever the reason, it’s good to be current on these questions.

Though year after year doctors, lawyers, accountants and electrical engineers are at the top of the list of the highest-paying jobs, that’s not always the most realistic career path for everyone, especially if you’re looking to skill up quickly for a career change or a hobby. In either case – or maybe you’re just curious – here are the highest-paying jobs in 2024, according to several sources like Yahoo! Finance, Indeed and U.S. News Money.

  1. Loan officer: $192K
  2. IT manager: $164K
  3. Financial manager: $140K
  4. Marketing manager: $140K
  5. Sales manager: $131K
  6. Software developer: $127K
  7. Computer network architect: $127K
  8. Actuary: $114K
  9. Information security analyst: $112K
  10. Scrum master: $106K
  11. Data scientist: $104K
  12. Tax manager: $130K
  13. Real estate analyst: $90K
  14. HR manager: $79K
  15. Virtual assistant: $75K
  16. Digital marketer: $67K
  17. Life insurance agent: $67K
  18. Freelance writer: $59K
  19. Customer service representative: $59K
  20. Translate/interpreter: $58K
  21. Graphic designer: $56K
  22. Online fitness trainer: $53K

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Online fitness trainer at work (Kurt “CyberGuy” Knutsson)

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Do you need an education to do these jobs?

The quick answer? No, not necessarily. But it will take some skill leveling up. You can get some of these roles by educating yourself online or enrolling in online courses. And these courses don’t typically ask you for a degree to enroll.

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Why? They understand that a person might want to learn new skills for many reasons. Of course, if getting a higher-paid job or wanting a promotion is your reason for learning a new skill in the first place, then certainly having some college education may help you land one of these jobs sooner.

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A woman taking an online course (Kurt “CyberGuy” Knutsson)

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Where to take online courses

 There are several excellent online platforms where you can continue your education, acquire new skills and explore various subjects. Here are some of the top online learning platforms.

edEX: Ideal for tech enthusiasts and career-minded individuals seeking courses from top universities on subjects like AI, coding and data analytics.

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Coursera: Perfect for those looking for university-level courses, specializations and degrees from renowned institutions worldwide, with financial aid options available.

Udacity: Ideal for aspiring programmers and tech enthusiasts seeking hands-on experience and industry connections through Nanodegree programs.

LinkedIn Learning: Suitable for professionals looking to advance their careers with courses on leadership, marketing and project management with personalized recommendations and LinkedIn integration.

WOMAN ON computer

A woman taking an online course (Kurt “CyberGuy” Knutsson)

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What if I am late in my career or near retirement?

Then, yes, you can take one of these courses (or many of them). Again, the whole purpose of online learning is to make it accessible to everyone. So, even though there may be other students in your cohort who are younger or at a totally different stage of their careers or their lives, don’t let that hold you back.

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Learning a new skill, even if you’ve been in your career for decades, can help you stay on top of your game as new tech and trends roll in. If you’re a parent or a grandparent, learning a new skill can help you relate more to your children as they grow and pursue their careers. And, if you’re near retirement or already retired, learning a new skill helps keep the mind sharp and maybe even gives you the education you need to start a new venture.

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Man on his phone and computer (Kurt “CyberGuy” Knutsson)

How to choose the best online course for you

Choosing the best online course depends on several factors. Understand the reputation of the course, the length of time you have to complete it, whether courses are asynchronous or synchronous, your learning styles, budget, etc. 

You can look at reviews, talk to students who have taken the course, and find out who in your network has attended one of these programs and ask about their job prospects. Again, it all depends on why you’re taking the course in the first place. If you just want to do it for fun, perhaps you’ll join a course taught by a favorite celebrity on MasterClass.

Learning from home

A woman learning from home (Kurt “CyberGuy” Knutsson)

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Kurt’s key takeaways

Learning new skills isn’t only for recent high school or college grads. It’s for anyone. Going “back to school” has never been easier with online courses. No matter your age and your intention, there is a course – and platform – out there for you.

Have you or anyone you know advanced any of your skills using one of the methods above? What about a friend who took an online course as a hobby? What was the experience like? Let us know by writing us at Cyberguy.com/Contact.

For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter.

Ask Kurt a question or let us know what stories you’d like us to cover.

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Copyright 2024 CyberGuy.com. All rights reserved.

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The head of a Biden program that could help rural broadband has left

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The head of a Biden program that could help rural broadband has left

1. Delays in getting broadband to the people. Some states are on the 1 yard line. A bunch are on the 5 yard line. More will be getting there every week. These more-sweeping changes will only cause delays. The administration could fix the problems with the program via waiver and avoid slowdowns. Shovels could already be in the ground in three states, and they could be in the ground in half the country by the summer without the proposed changes to project selection.

2. More people will get Starlink/Kuiper, and fewer people will get fiber connection. This could be dramatic, or it could be measured, depending on where the admin sets the threshold limit, and whether states are permitted to award projects above the new threshold on the basis of value per dollar, or if they’re forced to take the cheapest proposal, even if it provides poorer service.

3. The 3 states with approved Final Proposals remain in limbo. They are currently held in NIST review regarding their proposed FPFRs (the budgets accompanying their approved final proposals).

This makes no sense – these states are ready to go, and they got the job done on time, on budget, and have plans that achieve universal coverage. If the administration cares about getting shovels in the ground, states with approved Final Proposals should move forward, ASAP.

4. West Virginia (and soon additional states) who have completed their work, but don’t have approved Final Proposals also remain in limbo. They have a final proposal ready to go that gets exceptional service to all West Virginia homes and businesses. Like the three states with approved Final Proposals, only the current administration stands between them and getting shovels in the ground. If the administration cares about getting things done, they should allow any state that comes forward with a Final Proposal under the old rules in the next couple of months move forward with that plan.

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5. No decision has been made about how much of the existing progress the 30 states who are already performing subgrantee selection should be allowed to keep. The administration simply cannot say whether the time, taxpayer funds, and private capital that were spent on those processes will be wasted and how much states will have to re-do.

6. The wireless industry will be, effectively, shut out of the BEAD program. There will be few, if any, locations that are above any new cost limit that will be able to be more cheaply served by fixed wireless than low earth satellites.

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Warning signs your mail has been fraudulently redirected

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Warning signs your mail has been fraudulently redirected

Change-of-address scams involve some of the most seemingly harmless personal information getting into the wrong hands. This can lead to a whole host of problems, including financial losses and identity theft, although change-of-address fraud is technically a form of identity theft.

This kind of fraud involves a scammer impersonating you to request a change of address with the United States Postal Service (USPS). 

Once they have your mail redirected to an address they control, they can go through it at their leisure, looking for mail they can steal and information they can use to perpetrate further scams, like taking out loans or credit cards in your name or using your identity to defraud others.

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USPS delivery truck    (Kurt “CyberGuy” Knutsson)

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Here’s how it works, step by step

This detailed breakdown explains the process of a change-of-address scam, from initial targeting to the potential consequences and warning signs to watch for. 

Targeting

A person with criminal intent gets your postal address and full name, something that’s most easily done using a so-called people search site. People search sites, also known as people finder sites, are a kind of data broker that specializes in collecting, organizing and selling access to personal information. 

Making a fraudulent change-of-address request

The scammer then mails a change-of-address request to the USPS, providing your name and a new address he has access to. The online change-of-address form is generally more secure, requiring confirmation via a bank account. That’s why scammers will almost always mail in the request.

The form requires a signature, but this is unlikely to be verified when processing the request. So, the scammer will either find an image of your signature somewhere, steal a document that includes your signature or simply sign your name any which way. 

Harvesting sensitive documents and data

Now that they’ve redirected your mail straight into their hands, the scammer just has to patiently wait for sensitive mail to arrive. They’re on the lookout for anything they can use to steal from you or defraud you. Bank statements, tax documents, checks and even your household bills can be used to commit further acts of fraud and identity theft.

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One of the scariest things a scammer can do once he has enough of your personal information is to commit deed fraud, otherwise known as home title theft. You’re far from helpless, though. There are telltale signs that you can watch for to catch change-of-address scams early.

The signs to look out for

The most obvious sign to watch for is a sudden and persistent drop in the amount of mail entering your mailbox. This only applies to mail addressed to you by name. Mail delivered to your address without an addressee, including mail addressed to “homeowner” or “occupant,” won’t be affected by a change-of-address scam.

The other major things to keep an eye on are your credit report, credit card statements and bank statements. You can request a free credit report from one of the three credit bureaus once per year.

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A mailbox in front of a house       (Kurt “CyberGuy” Knutsson)

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What to do if you think your mail has been fraudulently redirected

If you have good reason to believe that someone has redirected your mail without permission, don’t hesitate to take action. The sooner you catch this, the better. Here’s what you can do:

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  • Start by keeping detailed records: Document everything that’s led you to believe your mail has been redirected. This includes the mail you were expecting, any communication with the senders of the missed mail (such as confirming dispatch dates), suspicious phone calls, texts or emails, and any unusual activity in your online accounts, bank accounts or credit reports.
  • Reach out to the USPS for help: Use the online locator to find and contact your local U.S. Postal Inspection Service (USPIS) office. They can assist with investigating fraudulent mail redirection.
  • Take action if identity theft is suspected: If you believe you’ve become a victim of identity fraud, visit the Federal Trade Commission’s identity theft portal. This resource will help you develop a recovery plan and guide you through the steps to protect yourself.

Taking these steps will put you on the road to regaining control and getting through what can quickly become a stressful situation.

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A stack of mail   (Kurt “CyberGuy” Knutsson)

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Stop change-of-address scammers in their tracks

Prevention is better than a cure, and, luckily, there’s a lot you can do to stop change-of-address scams before they start.

1. Invest in personal data removal services: Have your personal information removed from data broker databases, including people search sites. They’re the first port of call for many scammers. Without these companies in the mix, scammers aren’t likely to come across your address in the first place.

A reputable personal information removal service can take your data down from hundreds of sites and keep it off by resending removal requests, even as data brokers try to add your information to their databases.

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While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time. Check out my top picks for data removal services here. 

2. Reduce the amount of sensitive mail in your mailbox: Start by switching to paperless options wherever available. This will dramatically reduce the amount of sensitive mail heading to your mailbox, leaving criminals with little value to steal. Check your mail daily, as soon as possible after it’s delivered. Get someone to do this for you if you’re away. Some redirection scams start with mail being stolen from your mailbox. Definitely avoid allowing your mailbox to overflow.

3. Secure your mailbox: Consider upgrading to a locked mailbox to prevent mail theft. If you live in an area prone to mail theft, this simple step can stop criminals from intercepting sensitive documents before they even reach you.

4. Use an identity theft protection service: Identity theft companies can monitor personal information like your Social Security number, phone number and email address and alert you if it is being sold on the dark web or being used to open an account.  They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals. See my tips and best picks on how to protect yourself from identity theft.

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5. Set up USPS Informed Delivery: Enroll in USPS Informed Delivery, a free service that lets you preview images of incoming mail before it arrives. This can help you spot missing mail early and identify potential issues with mail redirection.

6. Report suspicious activity immediately: If you notice anything unusual, such as missing mail or unauthorized changes to your accounts, report it right away. Contact the USPS, your bank and the Federal Trade Commission to ensure the issue is documented and addressed promptly.

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Kurt’s key takeaways

Change-of-address scams might sound like an unlikely threat, but they can wreak havoc on your finances and peace of mind if left unchecked. By staying alert, securing your personal information and taking proactive measures like monitoring your mail and credit, you can greatly reduce the risk of falling victim to these scams. Remember, catching fraud early is key. So, don’t hesitate to act if something feels off.

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What do you think should be done to prevent change-of-address scams? Let us know by writing us at Cyberguy.com/Contact

For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter

Ask Kurt a question or let us know what stories you’d like us to cover

Follow Kurt on his social channels

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Air taxis: the latest on the flying electric cars bringing the Jetsons dream to life

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Air taxis: the latest on the flying electric cars bringing the Jetsons dream to life

There’s a future where we don’t need roads and regular folks like you and me can jump into a boat-sized electric pod and just fly anywhere on a whim. While we’ve been perfecting the miracle of human flight for more than a century, instant air transportation has long been relegated to science fiction.

But in the last decade, many companies have stepped up to help get flying cars and air taxis out of the Hollywood movie magic bubble. Startups like Joby Aviation and Archer are building electric vertical take-off and landing (eVTOL) aircraft that can taxi several people around in the sky without burning nasty fuel. The air taxi dream is already passing some regulatory milestones: the FAA has now established rules.

Although these vehicles aren’t exactly the “flying cars” we’ve imagined, this is a rapidly growing new field with big established automakers like Toyota, Hyundai, Stellantis, and others either bankrolling their own ventures or one of the dozens of startups. And there’s a whole lot of drama and unpredictability in this new industry, from fighting over “stolen” patents to the companies that’ve failed to survive, like Lilium and the Larry Page-funded Kitty Hawk. Scroll down to read the latest on air taxis.

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