For those who are overly secure and protective of their finances, a hardware wallet could be for you. Hardware wallets are physical devices that hold private keys electronically and facilitate payments. These wallets can be carried on your person and don’t rely on you keeping funds in a third-party's storage. These wallets are immune to viruses and types of Trojans that infect software wallets. There are many different hardware wallets that range in price range and quality.  Take a look at some of the premier hardware wallets:  Pi Wallet uses cold storage and does not have wireless capabilities. It uses Armory’s client which makes it secure while not requiring you to set everything up by yourself. This is a safe and easy hardware device. Trezor is similar to Pi, but uses a small screen to interact with. The private keys are generated by the device and can’t leave it, making it immune to malware. USB wallets are pretty popular and more affordable devices. These devices protect your data and use similar micro-processor chips that credit cards use. These typically allow you to go between a variety of computers and your device will establish a secure connection. Most devices require an encryption code or password upon initializing. If your device doesn’t, you can always add an encryption to secure your wallet. Each hardware wallet has a different protocol for establishing a secure encryption.
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One-sentence summary -- Understand hardware wallets. Purchase a hardware wallet. Encrypt your device.


In a world with more than 7 billion people, almost all of whom have names, originality is plenty desirable. But there's something to be said for an old classic, especially if you're considering naming your child Crystal Shanda Leer or Justin Time. Try to resist the urge to make jokes, choosing goofy names that'll stick your kid with a lame middle name for the rest of their life. Pick something sincere, something meaningful, and something creative, not a one-liner. Francis Underwood Kensington sounds like a nice name until the monogrammed towels come in. Just as you need to make sure the name looks nice spelled out, the name should also look appropriate when shortened into initials. So, you've got it locked in: Joshua Corey is the perfect, most meaningful, best-sounding name you've got. Then you let the name slip to a coworker or a friend, who scrunches up their face and tells you a sob story about a terrible high school boyfriend named Corey who was a horrible person. Now suddenly you feel like it's a bad name. Great.  If you love a name, keep it to yourself and ignore other people's "feedback," none of which should affect the way you pick a name. If you want to tell a few select people while you're considering names, that can be great, but if you're totally settled on a name, don't give yourself the chance to stress after the fact. Your parents, a very close friend might be able to help you go over your choices, but they might give you unsolicited associations with the name that'll change the way you feel. If you do share the name, let people know that you don't need to hear about other people named "Corey," or whatever name you choose. If you like the way a name sounds, spell it the way it's spelled, don't replace letters with "similar" letters and expect that people will pronounce it the same. If you want people to pronounce "Angela," you can't spell it "Anjeeleh." There are pronunciation rules, and breaking them is frustrating for everyone. It's spelled that way for a reason. Some parents think this helps to give a signature flare to an otherwise common name, but it's far more important to pick the right name, not a goofy spelling of a traditional name. "Anjeeleh" should be pronounced differently than "Angela," because it's spelled differently. There's a line between "unique" and "ridiculous," and you don't want to cross it with bad spelling.
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One-sentence summary -- Do no harm. Make sure the initials don't spell anything inadvertently embarrassing or crude. Don't tell people the name once you've settled. Use the correct spelling of common names.


You can hang your board wherever you want it, but above a workbench would be the most convenient. This way, everything will be within reach. Once you have decided where to hang the board, locate the wall studs and mark them with a pencil.  Drywall will have studs, but brick or cement walls may not have any. You may need to adjust the placement of your board in order to fit it over the wall studs. Make these holes right next to the screws holding the planks to the back of the board. The holes need to be big enough for your brass screws to fit into. Make sure that you drill through both the board and the planks. Hold the pegboard against the wall where you want it to go. Next, have someone hold the board in place while you mark the holes in the board with a pencil.  Use a level to ensure that the board is straight. If your wall has studs in it, make sure that you are placing the holes over the studs. If you can't fit a pencil through the holes, dip a skewer into paint, then poke it through the holes. Don’t worry, the wall anchors will cover the paint. Make sure that you use a drill bit appropriate for the wall. A brick or cement wall will require a masonry drill bit, while a wooden wall or a drywall will require a standard drill bit. Make sure that the hole is big enough for the wall anchor. Push wall anchors into the holes in the wall. Have someone help you hold the board over the wall so that the holes match up with the anchors. Insert screws into the holes, then drill them into place.  Plastic wall anchors will work for thinner boards, but if you have a thick board, choose a metal wall anchor instead. If you painted your board previously, use a small brush and extra paint to cover up the screws for a neater finish.
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One-sentence summary --
Decide where to hang the board and locate the wall studs, if needed. Drill a hole through each of the board's corners. Place the board against the wall, then mark the holes with a pencil. Set the board aside, then drill the holes into the wall. Insert the wall anchors, then screw the board into place.