Tackling Lawyer Debt

Money is a significant stressor in many people’s lives. Student loan and credit card debt can feel overwhelming, even paralyzing. Here are some resources that can help.

Student loan debt

In a recent guest post on Legal Ease, Andrew Josuweit of Student Loan Hero shared three solutions to ease the burden of student loan debt:

Start the process of tackling student loan debt by checking out the resources published by the Oregon New Lawyer Division. All three Oregon law schools offer a Loan Repayment Assistance Program (LRAP) for their recent graduates. If you attended law school out-of-state, check with your law school to see if they offer their own LRAP. You may also be eligible for the Oregon State Bar’s LRAP program.

For an overview of this topic, check out Navigating Student Loan Repayment Options, a free CLE available on the Professional Liability Fund website.

Credit card debt

If you are struggling to chip away at your credit card debt, consider whether a balance transfer is right for you. In theory, a balance transfer credit card allows you swap out your high-rate card for a cheaper card, paying off your original balance. Nerdwallet recently published a list of the best balance transfer cards for 2018. Terms vary widely, so do your homework. But all in all, the Nerdwallet list seems to include some good deals:

  • Discover – No annual fee, 0% interest on purchases for 6 months and 0% on balance transfers for 18 months, rewards rate 1.00%
  • Citi Diamond – No annual fee, 0% on purchases for 12 months and 0% on balance transfers for 21 months
  • Chase Freedom – No annual fee, 0% on purchases and balance transfers for 15 months, rewards rate 1.00%

For the pros and cons of pursuing a zero percent balance transfer, see this post.

Know your spending habits

Establish a system to track personal income and expenses. Free budget templates are available from Office 365, Mint, or these sourcesQuicken Deluxe is another good solution: cheap, easy to use, and a great value.

Speaking of budgets, have one. Each month, compare your actual income and expenses to the amounts you projected. If you see yourself going astray, make a mid-year course correction.

Be ready to make tough decisions and a few sacrifices to cut back on spending.

Managing the stress

Money management isn’t easy, and being in debt is stressful. But you are not alone. If you don’t know where to start, reach out to the attorney counselors at the Oregon Attorney Assistance Program (OAAP). They are supportive and can point you in the right direction. Help is free and confidential: 503-226-1057 or toll-free in Oregon 800-321-6227.

For an uplifting account of how one lawyer survived law school debt, read this article from the September 2017 issue of InSight, the OAAP publication.

All Rights Reserved 2018 Beverly Michaelis

Excel Tiplet: How to Scale A Page When You Print

From Virtual Office Helper:

Printing from Excel can be very frustrating, especially if your spreadsheet is too wide or too tall to fit on a single page. You can use the Scaling option in Page Setup to set limits on how many pages wide and tall your document should be when you print it. The problem with that is […]. Read the full tip here: http://virtualhelperoffice.co/2016/12/16/scale-your-spreadsheet-to-fit-on-one-page-when-printing-from-excel/.

MS Ignite 2016: New Ideas, New Features for OneDrive, Office 365, and More

September 26-30 marked Microsoft’s second annual technology conference known as #MSIgnite. With over 22,000 attendees, the conference set Twitter afire with a long list of product enhancements – some available now, others coming before year-end.

New Functionality for OneDrive Users

If you’re a OneDrive user, you’ll be thrilled to hear about these new features:

  • Ability to sync SharePoint Online document libraries and OneDrive folders
  • One-stop shopping for browsing and editing SharePoint Online and OneDrive files using the OneDrive browser client
  • Ability to download multiple documents as a .zip file
  • Improvements to the Android OneDrive App – support for SharePoint Online files and multi-page scan enhancements
  • Notifications to your mobile device when someone shares a OneDrive file with you
  • Ability to see over time how many people have discovered and viewed your files in OneDrive for iOS

See the full list of OneDrive updates here.

Enhancements to the Outlook Mobile App

  • The new, improved calendar app on iOS and Android devices now offers event icons, simpler scheduling, and on-the-fly editing of recurring meetings
  • Use the “smart location” feature on the mobile app to easily add maps and directions to event details.  Next time you create an event, just start typing a location.  Choose one of the suggestions and Outlook will include a map with your event details.
  • Use the @ symbol to get someone’s attention: typing the @ symbol followed by a person’s name in the body of an email message or a meeting invite will automatically add the person to the To line of the email or meeting invite.
  • Coming soon: meeting invites will support real-time availability checks with a slide-bar interface – via @thevarnish
  • Outlook for iOS and Android is now powered by the Microsoft Cloud for Office 365. All your data is now fully delivered through Microsoft’s secure servers (no third party vendor, no mailbox data cached outside Office 365).
  • New assistive technology has been added for reading email, scheduling meetings, and adding a signature

Improvements to Word, Excel, and PowerPoint

Word

  • Use Researcher to find credible sources and content: “Researcher is a new service in Word that helps you find and incorporate reliable sources and content for your paper in fewer steps. Right within your Word document you can explore material related to your topic and add it—and its properly-formatted citation—in one click. Researcher uses the Bing Knowledge Graph to pull in the appropriate content from the web and provide structured, safe and credible information.”
  • Improve your writing with the new digital writing assistant known as Editor, a cloud-based service that uses machine learning, natural language processing, and input from linguists to improve writing through advanced proofing and editing. [Caveat: not suitable for confidential content.]
  • Write or draw with your finger, a pen, or a stylus in Word, Excel, and PowerPoint mobile apps (known as “inking.”)

Excel

PowerPoint

  • Use Designer to instantly turn a bulleted process list into a SmartArt graphic
  • Get an “instant slide makeover” any time by selecting the “Design” tab in the ribbon.  Choose “Design Ideas” (far right of the Design toolbar) to preview new slide designs.
  • Use the Recording tab to create a presentation that includes recorded slides, screen recordings, narrations, and videos. Embed quizzes and other apps in your presentation to make it more interactive for your audience.
  • Use QuickStarter to find outlines for any topic, including recommendations on information to include, categories to consider and associated images tagged with Creative Commons licenses.

Making Skype Better

Skype for Business is already the number one meeting app, so how can it get any better? Consider these improvements announced at #MSIgnite 2016:

  • Skype for Business for Mac will be available in October, with hi-def audio and video, one-click join for meetings, and video and desktop sharing
  • Also coming in October: enhancements to the iPhone app: Skype for Business calls will work just like a cellular call on your iPhone. You can accept a call via the lock screen or put a Skype for Business call on hold to take a cellular phone call—it works just like a phone.
  • Real-time transcription and translation in 50 languages will come to Skype Meeting Broadcast by year-end

Migrating to Windows 10

If you haven’t migrated to Windows 10, check out this free migration assessment tool from VMWare.  Announced at #MSIgnite, the new tool is designed to assess:

  • Windows 10 readiness;
  • End-user behavior;
  • Device inventory and configurations;
  • Software dependency and usage information; and
  • Web and network usage patterns.

If this sounds like tech-speak, it is.  But the goals are simple: (1) identify potential problems transitioning from your current operating system to Windows 10; (2) Optimize your use of Windows 10.

Still not sure?  Contact your computer consultant.

Key Microsoft Security Improvements

There are two kinds of big companies: those who have been hacked
and those who don’t know they’ve been hacked. 

@JPvR_NL

Protecting Browser Sessions

Most cyber attacks start at the browser level, making browser security critically important. Windows Defender App Guard for Microsoft Edge protects against browser-based security incursions:

Unlike other browsers that use software-based sandboxes, which still provide a pathway for malware and vulnerability exploits, Microsoft Edge’s use of Application Guard isolates the browser and employee activity using a hardware-based container to prevent malicious code from impacting the device and moving across the enterprise network.

Once enabled, enterprise administrators can configure a trusted network site list policy and distribute the group policy to any devices it wishes to protect with Application Guard. Even if an untrusted site successfully loads malware, the malware is unable to reach beyond the isolated container to steal data or permanently compromise devices or the network. Once the employee exits their Microsoft Edge browsing session, any malware is erased, preventing further attacks.

Detecting and Responding to Cyber Attacks

Security features and cyber threat intelligence gathered from WDATP (Windows Defender Advanced Threat Protection) and Office 365 ATP (Advanced Threat Protection) are now combined to allow enterprises to detect, investigate, and respond to advanced attacks on their networks, Windows 10, and Office 365.

Now, IT can identify and follow the complete chain of an attack from an email – to across the network – with detailed timelines and analysis. This real-time access and product integration converts the time to investigate an incident from days or weeks to mere hours. And the comprehensive security intelligence from Microsoft and our industry partners, including FireEye iSight threat intelligence, puts all the information needed to investigate and respond in an easy, simplified interface with clear steps for remediation. It’s the most comprehensive and robust security solution available today.

Interesting Stats from the Keynotes and Other Presentations

  • There are 70 million Office 365 users and over 400 million Windows 10 users
  • The Department of Defense is targeting to have Windows 10 on more than 4 million devices
  • Office 365 has an uptime of 99.98%
  • The average person uses 3 mobile devices at work (expected to increase)
  • Skype for Business is the most-used meeting app: Microsoft manages over 13,000 meeting rooms; 38% of all international calling uses Skype; the Skype app has been downloaded 1.1 billion times on iOS and Android devices
  • 58% of workers admit to sending data to the wrong person
  • Microsoft scans 200 billion emails every month for malware
  • 50% of cloud-era millennials will be in the workforce by 2020

Other News from #MSIgnite

  • You may have heard of Azure – Microsoft’s integrated cloud service platform. #MSIgnite 2016 included a number of Azure upgrades of interest to developers and IT professionals.  Read more here.
  • Many SharePoint improvements were announced at #MSIgnite 2016.  For all the details, check out this post.  Also see this summary from Microsoft.
  • Over 150 on-demand video sessions are available at no charge from the 5 day conference. Check out the list here.

All Rights Reserved 2016 Beverly Michaelis

Taming AutoCorrect in Microsoft Office

14526236790_b44b8d57ba_zIs AutoCorrect in Microsoft Office driving you batty?  Don’t despair.  Like most features in Office, the settings are completely within your control.

By choosing File > Options in Microsoft Office, you can:

Changes made to AutoCorrect in any Office program are global.  For example, if you delete the AutoCorrect entry in Outlook which converts tm to the superscript ™ trademark symbol, this change will apply in Word, Excel, and PowerPoint.  acNOTE:  This does not mean the trademark symbol is forever lost, only that Office will stop autocorrecting tm when typed with parentheses.  You can still insert the superscript version at will by choosing Insert > Symbol.

To add, delete, modify, or rename AutoCorrect entries in Office 2010 or 2013, follow these steps.  In Office 2007, launch Word, select the Office Button > Word Options > Proofing > AutoCorrect Options:

ac optionsAs noted above, changes made to AutoCorrect options in Word will apply throughout Office.  It isn’t necessary to open each program individually to modify AutoCorrect entries.

All Rights Reserved [2014] Beverly Michaelis

 

Getting the Most Out of MS Office for iPad

So you’ve download Office for iPad, now what?  Learn how to get the most out of Microsoft Word, Excel, and PowerPoint by watching the tutorials available from InvestinTech.  If you are new to Office for iPad, start with the General Tips.  Some of the more popular InvestinTech topics are:

Each tutorial includes screen shots and easy-to-follow instructions.

InvestinTech is primarily known as PDF solution provider.  While on the site, check out their line of PDF products.  If you’re not in the market to buy, InvestinTech also offers some nifty FREE tools:

  • Slim PDF Reader
  • Docx to Doc Online
  • PDF to HTML Online
  • HTML CSS Templates
  • PowerPoint Templates
  • Able2Extract Mobile Apps – Allows you to convert PDFs into editable Microsoft Word, Excel and PowerPoint files, and create PDFs on your mobile device.

Share your favorite Office for iPad tips by commenting below.  Enjoy!

Beverly Michaelis [2014] All Rights Reserved.