There’s no denying that Facebook is a titan in the current climate. Over 2 billion people use it worldwide, with 214 million users in the U.S. alone. It started as a way to connect friends and family. However, as we all know, the focus of Facebook has shifted to include advertisers and other money-making methods. […]
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All websites need to prioritize security. However, I still see so many sites out there that aren’t using HTTPS.
For those of you who aren’t currently using HTTPS, that needs to change immediately. If you don’t think it’s necessary or that important, you’re mistaken.
The truth is, security impacts the performance of your website.
According to a recent study, 85% of consumers won’t convert if data is being transmitted through a connection that’s unsecured. 82% of Internet users won’t even browse on a website that’s not secure.
Lots of website owners that I consult with seem to think that their site is immune to malicious attacks or hackers because there are bigger and more important companies out there. Why would a hacker waste their time with a small website?
But 43% of cyber attacks target small businesses. So you can’t have the “it won’t happen to me” approach.
As of July 2019, 53% of all websites are using HTTPS.
As you can see from the graph, there has been an increase in HTTPS usage over the last year.
There are still 47% of websites that aren’t using HTTPS. In my opinion, that number is just far too high. That’s what inspired me to write this guide.
If you fall into that category, I’ll tell you everything you need to know about HTTPS, why you need it, and how to get it for your website.
Before we proceed, I just want to make sure you understand the basics of HTTPS.
HTTP stands for Hypertext Transfer Protocol. These are the rules used to transfer information on a web page from a server to a web browser. Any time an Internet user navigates to a URL, their browser essentially opens up a line of communication with the site’s server. The browser downloads the information required to render that specific web page.
With HTTP, this communication happens with plain text, meaning any third-party can access the communication between the server and browser. If this happens, personal and sensitive information can be stolen.
In order to make the communication private, websites use HTTPS. So HTTPS stands for Hypertext Transfer Protocol Secure.
With HTTPS, the same conversation takes places between a server and web browser, except the information is encrypted. The encryption prevents third-parties from stealing data.
HTTPS uses TLS (transport layer security) or SSL (secure sockets layer) for encryption. These unique encryption keys are transmitted between the web browser and server to keep the communication safe.
Without these certificates and keys, a third-party could pretend to be the web browser to hack the server or pretend to be the server to hack the web browser.
Here are the top benefits of adding HTTPS to your website.
Any time you’re planning to make a change to your website, you need to know how that decision is going to impact your SEO ranking. After all, 93% of all online experiences start with a search engine.
When it comes to search engines and SEO, Google must be the driving force behind your approach. Back in 2014, Google announced that HTTPS would become a factor in its search ranking algorithms.
Here is an excerpt from that announcement. In summary, Google was telling all webmasters that they are encouraging HTTPS, and will be rewarding sites who use it.
That alone should be enough for you to make the switch. If you’re not prioritizing SEO, you’re going to have a tough time getting traffic to your website. But by simply making the change from HTTP to HTTPS, Google will give you a boost in your search ranking.
A few years back, Brian Dean from Backlinko analyzed one million Google search results. He discovered a correlation between HTTPS domains and their ranking position on Google.
Domains using HTTPS were more likely to have a higher position in Google’s SERPs.
Gary Illyes, a webmaster trends analyst at Google, was quoted saying that HTTPS would even break a tie between two websites with equal quality signals. So making the change to HTTPS could be the difference between your site making the first or second page of Google, which is a major difference.
I briefly explained earlier that without HTTPS, your server could be vulnerable to a cyber attack from a third-party disguised as a user’s web browser. Obviously, you don’t want to put your server or website at risk for any attacks like that.
But what’s arguably even more important is the privacy, safety, and security of your website visitors. As a webmaster, it’s your responsibility to protect these people.
The last thing you want is for people to get hacked or have sensitive information stolen as a result of navigating to your website. An incident like that would be detrimental for the reputation of your website and brand. Recovering from this is seemingly insurmountable.
So for the sake of managing your online reputation, you need to be using HTTPS.
This is especially true for those of you who are collecting sensitive information like names, addresses, and credit card data.
If you have an ecommerce website, you need to use HTTPS to process transactions.
Even if you’re not processing credit cards, other types of websites legally need to keep user information safe. For example, if you’re collecting any health or medical data through form fields on your website, you could be violating HIPAA (Health Insurance Portability and Accountability Act of 1996) if you’re not using HTTPS to secure the information.
In addition to your duty of protecting your website visitors, you also want to make sure that people trust your website. Web browsers have started to take steps to draw more attention to websites that aren’t secure.
That type of warning or identification makes websites appear untrustworthy.
Here’s a look at the message someone will see from a Google Chrome web browser if they’re trying to access a site that’s not using HTTPS.
If you saw this message, would you continue to the website? Probably not.
So if people are getting this warning as they try to navigate to your site, there’s a good chance that they won’t continue. They probably won’t come back in the future either.
Chrome isn’t the only web browser that issues this type of warning. Users who browse the web using Safari will see a similar warning for unsecured sites.
Just for good measure, let’s take a look at what happens if you’re using Firefox and navigate to a website that’s not secure.
While the text and layout of each notification vary from each web browser, the message is consistent across the board.
Each of these alerts is clearly a warning message, urging the user to stay away from the website in question. Adding HTTPS to your website will improve your perceived trust since the web browsers won’t issue this type of warning.
This piggybacks off of my last point about trust. If your website isn’t using HTTPS, users will be reluctant to navigate to your website. Even if they do manage to visit your site, they likely won’t fill out any lead generation forms.
Even if it’s something as simple as providing their email address, users will hesitate if they think that a third-party will get access to the information. Especially considering the fact that those third-parties could potentially send malicious emails pretending to come from your website.
But with HTTPS, website visitors can browse with confidence.
They’ll have a much easier time filling out form fields knowing that their information is safe. So in turn, you’ll get more leads.
Furthermore, you can’t expect anyone to convert on your website without HTTPS. People are nervous about credit card fraud as it is, so it’s your responsibility to let them know that the connection is safe.
Here’s an example of a secure payment page from the Oakley website.
As you can see, HTTPS appears in the domain. But next to that, there is a lock icon, which is used by Google Chrome as another indication that the site is secure.
If you click on the icon, you’ll get a more in-depth explanation about the security of the website. It even specifically says that passwords and credit card information are safe and being sent over a private connection.
Oakley goes the extra mile here to even label this step in the conversion process as “secure payment” as opposed to just payment.
With HTTPS, site visitors will have that extra sense of security and feel safe when they’re completing the purchase process.
Now that you understand the importance of HTTPS, it’s time to get it set up for your website.
Step #1: Buy an SSL certificate
The first thing you need to do is purchase an SSL certificate. You can do this on platforms like SSLs.com or NameCheap. Both of these sites have SSL certificate options for less than $10 per year. So you shouldn’t have to pay much more than that, even if you look elsewhere.
The best web hosting services will usually offer a free SSL certificate. This is an added incentive for webmasters to use those providers. You should definitely keep this in mind if you’re creating a new website or if you’re looking to change hosting providers.
Step #2: Install the certificate
Next, a web developer will need to configure your site and install the SSL certificate on your server. Unless you have experience with web development, I wouldn’t recommend doing this on your own.
Alternatively, your web host can do this for you. It may be included in your hosting plan or offered as an add-on.
Step #3: Check for errors
Once the certificate has been installed, you’ll need to check all of your web pages to ensure that it’s been done properly. Look for mixed content errors, which happens if a web page is referencing non-HTTPS elements.
Usually, it’s easy to fix these. However, other times it can be a bit more complex. That’s why it’s important to have a professional handle the conversion to HTTPS. Fixing any errors will likely be included with their fee.
Step #4: Notify Google
Be proactive and notify Google once you’ve added HTTPS to your site. You can do this through Google Search Console. Update your Google Analytics settings as well.
Google will crawl your HTTPS site and re-index it in their database. You could wait for them to crawl it automatically, but there’s no reason to wait. The sooner this happens, the sooner you’ll get the SEO benefits.
Keep in mind, your search rankings might actually decline initially when you switch your website to HTTPS. That’s normal. But you can expect your site to be back where it was (or better) after Google has a chance to re-index all of your content.
Every website needs to have HTTPS.
HTTPS improves SEO rankings, adds security to your website, and builds trust with your website visitors. Switching your site to HTTPS will also improve leads and boost conversions.
Adding HTTPS to your website is easy. Just follow the simple four-step process that I’ve described above.
In addition to web hosting providers, it’s also worth noting that the best website builders and ecommerce platforms will usually offer a free SSL certificate as well. Wix, Squarespace, Weebly, Shopify, and BigCommerce are just a handful of platforms that offer SSL certificates when you sign up.
What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question.
1. Money market versus savings account
2. Birthday cake as frugality lesson
3. Big 401(k) contributions, then stop?
4. Glass or plastic food containers?
5. Happier before financial improvements
6. Basic homeowner tool kit
7. Why not choose lowest payment?
8. True “everyday carry” question
9. Capital One credit card concerns
10. National health care question
11. Yard sale find dilemma
12. Cheaper alternative to Field Notes?
In last week’s mailbag, I asked for book suggestions on the topics of personal finance, personal development, careers, productivity, and overall life philosophy from readers and … let’s just say the response was impressive.
I kept jotting down the suggestions in a list that just included reader suggestions, (along with + signs in front of ones that were suggested by multiple readers) and the list is currently over 200 books long, with about 80 suggested by multiple readers. Thankfully, quite a few of them overlapped with ones already on my to-be-read list and my to-be-reread list, so I know that my ideas of impactful books tend to line up with yours.
The one surprise was the number of rather philosophical books that readers suggested to me. I sometimes don’t know what topics and items I write about have the most impact on readers (I can tell which ones are popular, but not the ones that really have a thoughtful impact on people, and those are definitely not necessarily the same articles), but quite a few people told me that they really appreciated articles about general philosophies of living and how they interacted with financial practices, especially when I can relate that to practical strategies people can implement. I suppose a request for book suggestions would draw out people who think about such things, though.
Anyway, you can definitely expect the Books with Impact series to continue irregularly for as long as I write this site. I hope to do them once every month or every other month as long as I have books to write about that I’ve read at least twice and have had real impact on my life or my thinking.
On with this week’s questions.
I keep about six months of living expenses in savings as emergency fund. My bank just introduced a “money market” account which offers over 2% interest while my savings account earns about 0.3% interest. How does a money market account work? Should I switch?
– Erin
In general, a money market account is an account offered by a bank that has a fairly high minimum balance but comes with a significantly higher interest rate than their normal savings account offerings. The interest rates on money markets do tend to vary more than savings accounts, and banks will adjust the interest rates on money markets more frequently than savings account rates. However, money market rates are almost always notably higher than savings account rates.
Assuming that your emergency fund is well above the balance requirement for a money market, it probably makes sense to make the switch. You’ll earn a much nicer return if you do.
However, if you find yourself seriously tapping your emergency fund, you’ll want to keep an eye on the minimum balance and perhaps close out the money market account and move it back to a savings account rather than going below the minimum balance, which will often incur fees that you definitely won’t want in that situation.
When my kids were littler I used to buy cakes at the bakery for their birthday and they cost $30-40 or more. Around when my son was 6 I decided it was silly to keep buying expensive cakes when they were made up of $5-10 in ingredients. I started making my own. The first few didn’t look all that great but now seven years later or so I can turn out a pretty good looking cake in a couple of hours. I made a beautiful cake with purple fondant for my daughter’s eleventh birthday and one of the guests took a picture and sent it to her mom and her mom asked me where I bought it. It cost about $12 all told and something similar would have been $50 or more at the bakery.
Moral of the story is that learning how to do stuff like this on your own saves a lot of money and it feels really good to be able to just make something well.
– Jaime
I cannot possibly agree with this post more. When you take on doing things for yourself, not only do you typically save money, you usually end up doing it pretty well (after several tries and some skill building along the way) and you take a ton of pride in it.
This applies to so much stuff. Cooking at home. Doing little car maintenance and repairs. Baking a cake at home. Making pickles at home. Fixing a broken toilet. Replacing a faucet. The more things you just take on yourself because it’ll save money, the more you realize you can easily do and the more pride you take in it.
If you think you’re too busy to do things for yourself… what is it that you’re too busy doing?
I graduated in May and am starting a job in September. I want to run my financial plan by you. I was thinking of making really big 401(k) contributions at first until I am married and having kids, then cutting it down to nothing so I have more money for my family and to buy a house and stuff. What do you think?
– James
It depends a lot on how big the 401(k) contributions are as well as how long you’re going to be in that “big contribution” phase, but the basic structure makes sense.
Basically, the bigger the contribution, the fewer years you would need to contribute to make it work. If you want to compress it into the smallest number of years you would need to save to be prepared for retirement, you’ll want to contribute enough to hit up against the 401(k) contribution limit and also contribute to a Roth IRA on your own beyond that, provided you’re eligible. 7-10 years of that at the start of your career will likely set you up with a wonderful retirement, especially if you return to contributing later. Obviously, if you keep that up for 15-20 years, you’ll probably be able to retire immediately, depending on whether you’ve eliminated debts and the comfort level you want in retirement.
If you’re wanting to be less intense with your contributions, the number of years you need to contribute will grow.
I can’t give you a more firm answer without some number related to your salary and your actual cost of living.
Are glass or plastic food containers better? I see both kinds for sale. Glass ones seem to cost more but do they have benefits?
– Erica
It really depends on what you value.
Glass containers are better environmentally and are easier to clean in my experience. However, the reality is that glass is also more brittle and much more likely to break if you drop it.
Plastic is sturdier but is a bit harder to clean (and gets stained) and is much worse environmentally.
In general, if something’s not leaving the house, I’d prefer to store it in glass. If something is going out and about, I prefer to store it in plastic. Are you highly likely to take food containers with you to all kinds of places? Choose plastic. Are you mostly using them at home? Choose glass.
I spent the last five years getting my financial life straight, paying off all my credit cards, paying off all student loans except for last one at 3.5%, building an emergency fund of 3 months of living expenses. I think I was happier before I started. Along the way I said no to so many things and now my social life is just quiet. My friends are all either wasting their lives or have become parents or have moved away. I just come home most nights. Life was a lot better before but I don’t want to let go of the financial change either.
– Martin
I think that many of the changes you’ve noticed in your social life isn’t due to your financial changes, but due to the changes in the lives of others. You’re growing older. Some of your friends have become parents and thus have family-centered lives now – that’s normal. Other friends have followed their careers and lives to other places. That’s normal, too. You’ve matured and noticed that a few of your friends haven’t grown up yet. That’s also normal.
If I compare my social life to what it was like before I started being financially responsible, it’s changed a lot. Most of the people who I hung out with back then are out of my life. I spend my free time in very different ways than I did back then.
Do I miss some aspects of my life back then? A few, I suppose. I miss some of the people in my life at that time that have drifted away since. The thing is, undoing my better financial habits won’t bring those people back into my life. It won’t bring back the person I was back then. All I can do right now is look forward, and I can look into a bright future because of the financial moves I’ve made.
I will say this: it’s harder to make new friends as an adult than it was in college or in high school or in elementary school. You have to put in a lot more effort to build the relationships. There is no magic trick to this other than getting out there, getting involved in things that interest you, and meeting people. That, in my opinion, is the route you should take. Look for things to do in the community that seem interesting to you, or overlap with your existing interests. Get to know the people there. That’s going to be a great source of new friends.
Just bought a new home, moving in September. What kind of tools do I need for basic homeowner stuff? Is there a good central guide for homeowner maintenance?
– Eric
There are a lot of great home maintenance checklists out there and you’ll find that they actually have a lot of overlap because there’s just a pretty standard list of things you should do to maintain your home and major appliances. Here’s my own list, organized by monthly, quarterly, and annual tasks, with some auto maintenance tasks mixed in. I keep these tasks in my to-do list program on my phone and computer, where they automatically repeat every one, three, or twelve months.
A long time ago, before the heyday of Youtube, I used to recommend a number of home improvement reference books, but honestly, Youtube is the best place to go for such information these days. If there’s a task on a checklist and you’re not sure how to do it, look up a how-to video on Youtube and it’ll walk you through it better than a book ever would.
If I had to still recommend a single volume for such tasks, I’d probably recommend the Family Handyman Complete Do-It-Yourself Manual, which is the updated version of the exact book we used for years when we first got our home and were learning how to do lots of home maintenance tasks.
As for a basic list of tools, I’d encourage you to buy tools based on need rather than just buying a big list of stuff right off the bat. Figure out your home maintenance checklist and make sure you have high quality versions of the tools you need for those tasks. In general, you’ll never regret having a well-made claw hammer, a good tape measure, a good level, a good crescent wrench, and several different sized regular and Philips head screwdrivers. I think those are a given. As for power tools, the only thing I’d say that has been essential for us has been a corded drill with a variety of bits.
I was listening to a personal finance radio show the other day and he said that if you’re getting a car loan and they give you options you generally shouldn’t get the one with the lowest payment. Didn’t get the rest, but this seemed weird. Can you explain it?
– Barry
I haven’t actually heard the segment you’re talking about, but if I were to wager a guess, I’d guess that the host was advising people to go for the loan option with the lowest total of all payments, not the lowest monthly payment. That’s usually the option with the lowest interest rate, but not always.
So, if you’re offered a loan for $200 a month for 60 months versus $240 a month for 48 months, the $240 a month plan is cheaper because the payments add up to $11,520, whereas with the other plan, the payments add up to $12,000. That’s because on the 60 month plan, you’re making twelve more payments, and even though they’re smaller ones, they end up adding up to more money overall.
Usually, the plan with the lowest interest rate is the same as the plan with the lowest total payments. The only time that wouldn’t be true is if the one with the lowest interest rate stuck around for a lot longer, and that’s very rarely the case. Almost always, the longer loan is the one with the higher interest rate, and you should generally avoid that one if possible.
What items do you carry with you every single day unless there’s a really exceptional reason not to do so? Trying to figure out how to become more organized.
– Kevin
I carry a very small wallet with just a few cards in it, my keys (about four keys and a bottle opener), my cell phone, a pocket notebook and a pen, my Pokemon Go Plus (a small item about the size of a quarter that enables easy play of the Pokemon Go cell phone game, gifted to me a couple of years ago), a little bit of cash and change, a few ibuprofen caplets in a very small plastic container, and (unless I’m going to a place where it’s not allowed) a small utility pocketknife with a few tools on it, usually a Leatherman Juice these days. I carried a small pocket flashlight for years but found myself using it infrequently enough that I stopped carrying it.
These all easily fit in my hip pockets with room to spare. My keychain is minimal, with four keys and a single fob and a small bottle opener. My wallet is tiny, with enough space for about six cards. My pocket notebook varies, but is usually Field Notes; the pen varies, too, and is currently a Parker Jotter.
I have a lot of other items I want to have frequently, but they reside in my backpack that goes with me most of the time when I leave the house for more than a few minutes. Here’s a semi-recent list of what I keep in that bag, though it has changed significantly enough in the few years since I wrote that article that I should probably update it at some point. I’d estimate it’s about… 70% accurate at this point.
What should I do if I have a Capital One credit card? I think my data was stolen but Capital One hasn’t been clear on what to do.
– Donnie
This is in reference to the recent Capital One data breach, affecting millions of customers.
Frankly, there isn’t much you can do. The best thing you can do is monitor your credit card for unwanted charges, look at your credit report regularly to see if there are any new lines of credit that you didn’t authorize (you can do this from the FTC’s website for free once a year), and cancel any credit cards you’re not actively using (assuming that none of them are your oldest card – keep that one).
Thankfully, the vast majority of the data is just credit card numbers and names, so all that can really be done for most customers is to have some unauthorized charges hit their card. The number of customers that actually had their Social Security number stolen is pretty small and consists of people who applied for business credit cards from Capital One recently. If that might be you, Capital One is offering much more support.
This is just part of the reality of having companies accumulate so much data on customers. If they’re not perfectly vigilant with your data – if even one thing slips up – there’s going to be someone who gains access to that data and potentially uses it in a nefarious fashion. So much of our personal data is only as secure as the least responsible person in the IT departments at these large companies, and that’s frankly worrisome. This is why I personally minimize the number of credit cards I have and try to keep an eye on my accounts as much as I can.
Do you think it is easier to retire early in countries with a national health care system instead of having to have private insurance? If so, is it worth moving to a country with national health care if you are considering retiring early>
– David
I absolutely think it is easier to retire early in a country where you don’t have to worry about the costs of health care as you age. Even if you are paying a somewhat higher tax rate, the personal financial benefits of having “free” health care are a game changer for retiring early. It simply reduces your cost of living by so much that the numbers become much, much easier. The specific calculations would vary from country to country, but the enormous reduction in individual cost of living means that the tax difference would have to be enormous in order to make such a move not worthwhile.
Is it worth it to make that move? Financially, it is. However, there is a cost to be paid in terms of family and personal relationships. If most of your family and friends are in one country and you move far enough away that it’s no longer convenient to see them with any regularity, there’s a quality of life cost to be paid. For some, that might not be a big cost, but for others who have a lot of family and friends in a particular area and very positive relationships with them, moving to another nation would likely cause a pretty notable reduction in quality of life that wouldn’t make the choice worth it. I would rather keep working and be near my loved ones and friends than to quit working and rarely be able to see them.
I do not believe the United States will ever have true national health care. The number of large corporate interests who would oppose it and the lobbying efforts they put to bear ensures that it’s almost impossible to secure enough votes for such an initiative. I would not make any financial plans for the future that rely upon the United States having national health care.
Recently bought a really beautiful side table at a big yard sale / estate sale event. Took it home and put it in the spare bedroom. Went in there a few days ago to give it a thorough cleaning and pulled out one of the drawers. There was an envelope stapled to the bottom of one of the drawers. Said “Congratulations, love Ernie and Rebecca” on it and it had $300 cash in it. I think this must have been a gift for a wedding or something. I think I can track down who it belonged to but I also feel like the person has passed and whoever had the end table didn’t care enough to look. What should I do?
– Anna
My general belief is that anything put out for sale in a yard sale is “finders keepers.” It’s sold as-is. They wouldn’t give you a refund on it if there was a problem, so you shouldn’t give them a refund if it’s more valuable.
That being said, it is a classy move to at least contact the person and return the envelope and perhaps some portion of the money at your discretion. You don’t have to do that – I don’t consider it “wrong” to keep the money at all – but the envelope and the idea that it was a “forgotten” gift might have familial importance to the person you bought it from.
Several years ago, I purchased a box of trading cards essentially without looking at them at a yard sale and found that there was a ton of value in the box. I sold off some of the cards and actually returned a small portion of the proceeds to the people that sold it, as they clearly didn’t know what it was worth and likely had no real way of figuring it out.
If nothing else, you could simply contact them and say you found a note stuck inside the table that said “Congratulations, love Ernie and Rebecca” on it. I think at the very least that would be a nice move.
Last year I tried to build up a habit of taking lots of notes during the day and it has mostly stuck. At first I used scrap paper and index cards but then I got a bunch of Field Notes notebooks for Christmas. I just now finished up using all of them and looked into buying more and wow they’re expensive. Is there a cheaper alternative?
– Brock
The cheapest option are Mead (or store brand version, if you can find them) top spiral notebooks, but they have a huge problem and that’s the wire binding along the top. I used to use these and they would constantly snag on things, including occasionally the skin on my upper leg. I basically moved away from them because of that.
Basically, I learned that anything that isn’t at least side or top stapled for binding will eventually fall to pieces or will have issues with the wire or glue binding at some point. So, I only really use pocket notebooks that are staple bound or sewn. They just don’t hold up (or else jab into your leg).
The problem is that there just isn’t a cheap source for pocket notebooks that aren’t either spiral bound or glue bound. Probably the cheapest option I’ve found for staple bound pocket notebooks is to buy Scout Books in bulk. They’re pretty similar to Field Notes and are sold in 10 packs, bringing the price per book down to about half of the cost of a Field Notes notebook. On occasion, you’ll find these ten packs on sale, but it’s pretty rare.
Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. I’ll attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours.
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