Home Builder Developer - Interior Renovation and Design

East Brunswick, N.J. (PRWEB) August 05, 2014

Gold Medal Service, an award-winning heating, cooling, plumbing, electrical, drain cleaning, and waterproofing service company serving all of New Jersey, encourages area homeowners to make sure their own water supply is clean, and to take steps to avoid polluting municipal water supplies, during National Water Quality Month in August.

Water is one of the most important substances on the planet, so its important that everyone has access to clean water, both in and out of their homes, said Mike Agugliaro, Gold Medal Service co-founder. Since August is National Water Quality Month, its a good time to have a plumbing expert assess the water quality in your home, and learn the steps you can take to minimize your impact on your municipal water supply.

A plumbing services expert from Gold Medal Service can install a water conditioner or a filtration and purification system. These systems make the water that circulates through a home as clean as possible, ensuring that it is safe for families to use for drinking, bathing, and cleaning. Purified water also minimizes the risk of illness, improves foods taste, and ensures that a home stays cleaner.

However, its also important for homeowners to do their part to protect their municipal water supply and the delicate ecosystems that each supports. Especially vital in coastal states like New Jersey, polluted rain runoff can lead to beach closures and fish kills from too much bacteria in the water. Polluted storm water can also contaminate local drinking water supplies.

The risk of pollution in water systems grows as populations surge, especially in urban parts of the state that have seen a lot of recent growth. In fact, 21 cities in New Jersey face a looming deadline to get permits by the end of this year, and submit plans to control and upgrade their sewer systems.

Clean Water Action recommends the following steps for homeowners in New Jersey, and nationwide, to reduce their impact on water systems:

By avoiding potential contaminants in your homes water supply, you keep the overall supply cleaner, which makes your drinking water better too, said Agugliaro. If youre concerned about the water quality in your home, call a Gold Medal Service expert to check it, and show you how to make it cleaner.

For more information about Gold Medal Service, call 800-576-GOLD or visit http://www.goldmedalservice.com.

About Gold Medal Service Gold Medal Service, rated A+ by the Better Business Bureau, was founded in New Jersey in 1994 with just two employees. Their vision was to provide homeowners with a reliable and trustworthy home service company customers could count on to fix just about anything that could go wrong in a home. Since then Gold Medal has grown to include more than 120 employees and technicians solving plumbing, heating, cooling, electric, drain, waterproofing, and sewer issues for homeowners across the state of New Jersey. Gold Medal Service is an Angies List Super Service Award recipient. For more information, call 800-576-GOLD or visit http://www.goldmedalservice.com.

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Check Your Homes Water During Water Quality Month

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How does a couple collect benefits when one spouse hasnt worked outside the home? Photo by Flicker user Ed Yourdon.

Larry Kotlikoffs Social Security original 34 secrets, his additional secrets, his Social Security mistakes and his Social Security gotchas have prompted so many of you to write in that we now feature Ask Larry every Monday. Find a complete list of his columns here. We are determined to continue it until the queries stop or we run through the particular problems of all 78 million Baby Boomers, whichever comes first. Let us know your Social Security questions. Kotlikoffs state-of-the-art retirement software is available here, for free, in its basic version.

William New York, N.Y.: My wife and I are the same age (64 this July and October). I intend on waiting until age 70 to start collecting Social Security benefits. I was thinking of filing and suspending benefits when I turn 66 (my full retirement age). My wife could then start collecting her spousal benefits. Would we be ahead in the long run if she started collecting her own benefits now (at 64), and then collected spousal benefits when I file and suspend when we are 66? She barely qualifies for her own benefits since she was a homemaker raising five sons for over 30 years.

Larry Kotlikoff: Your wifes benefit at full retirement age will be her permanently reduced retirement benefit, plus her excess spousal benefit since she would have dropped into excess benefit status by filing for her full retirement benefit.

The excess spousal benefit is half of your full retirement benefit less 100 percent of your full retirement benefit. If X is her own full retirement benefit, shell get the amounts A) X times R, which is the reduction factor shell permanently face for filing at 64; plus B) 50 percent of your full retirement benefit less X. Her benefit after full retirement age will then be 50 percent of your full retirement benefit, plus (R-1) times X. Since R is less than 1, if you do what you are considering doing, shell end up receiving a smaller total check after full retirement age through the end of her life. So, no, I wouldnt necessarily recommend your proposed course of action.

Mary Elizabeth Massachusetts: I am 66 and applied for Social security in June 2014. I have only 25 credits since I stayed home to take care of my children. Social Security denied me and said I am short and need 15 more credits. They told my husband last year when he applied that I could apply under his name. What should I do, and who is telling me the truth? I am getting the run around.

Larry Kotlikoff: You do need 40 credits to qualify for your own retirement benefit. But you dont have to work another 15 quarters to get those extra 15 credits. If you earn enough in a given quarter, you can garner multiple coverage credits.

You do, it seems, now qualify for a spousal benefit. Your total check will be half of your husbands full retirement benefit (not necessarily what hes now collecting) for the rest of your life (but adjusted for inflation). There is no gain to waiting to collect your spousal benefit. And dont apply for retroactive benefits for any months prior to full retirement age because you will have your spousal benefit permanently reduced.

Jacqueline Illinois: I started taking Social Security at age 62 and continued working. I am now 66 and still working. My ex-husband passed away last year and had been on Social Security disability since 2010. We were married for 20 years. Am I able to draw my Social Security and draw from my ex-husbands Social Security? I have not remarried.

Larry Kotlikoff: You are eligible to collect the larger of either your current reduced retirement benefit or your widows benefit based on your husbands work record. This can also be described as collecting your own reduced retirement benefit plus your excess widows benefit, where the excess widows benefit is just the positive excess of your widows benefit over your own reduced retirement benefit. Your widows benefit will be calculated based on a special RIB-LIM formula for widows of disabled workers.

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How do stay-at-home parents collect Social Security?

A $50 device made with off the shelf hardware can.

For $50 attackers can build a radio device that cracks home alarm systems and other common security devices, Black Hat 2014 attendees will hear this week.

A combination of a microcontroller and a single-board computer comprises the device, which can capture and replay codes that make it possible to disable the alarms, according to Silvio Cesare, a researcher at Qualys who will present the talk.

+ Also on Network World: 10 disturbing attacks at Black Hat USA 2014 |The Black Hat Quiz 2014 +

He says he built the device and was able to train it to steal the codes by eavesdropping on the radio-frequency remote that most alarm systems come with to enable and disable the gear. He says that practically all home alarm systems that had a remote used fixed codes, making a replay attack possible once the code was pilfered.

The device was made from Arduino and Raspberry Pi hardware.

Another soft spot he discovered in home alarm systems is the non-volatile memory that stores information such as calibration, configuration and passwords. With physical access to the devices he says he can connect a device programmer that reads the device's minicontroller where the passcode is stored that customers punch in to enable or disable the alarms.

Either method would let burglars shut down security systems so they could break in without fear of sounding the alarm.

Surprisingly, he says, the easiest way to defend against these types of attacks is to buy systems that don't have these vulnerabilities. He says he'll lay down how to shop for alarm systems that pass the test.

Cesare also plans to show how to break security of the keyless entry system of a popular late-model car using predictable rolling codes. To analyze the system he used software defined radio and some math, but he also built a button-pushing robot to punch in combinations of numbers in order to gather data to do the math.

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Black Hat 2014: How to steal security codes from home alarm systems