The Record (Troy, NY)

Coded communicat­ion

- Write to Heloise at P.O. Box 795001, San Antonio, TX 78279-5000; Fax 210-HELOISE; or email Heloise@ Heloise.com.

DEARREADER­S>> Have you noticed? Your bank, email server and insurance company may now ask you for not only your password when you log on, but also ANOTHER CODE that they text you on your cellphone. This is called multifacto­r authentica­tion.

Pretty fancy verbiage, but it’s for the well-being of your account. The idea is simple: Someone who wants to steal your identity could possibly figure out your password. Although that’s highly unlikely, this other “layer” of protection, the multifacto­r authentica­tion, can help keep your identity safe. Look for this to become more popular in the months and years ahead.

AFTER CHRISTMAS?

DEARHELOIS­E>> Certainly most people like to send out Christmas cards early to wish their friends and family a Merry Christmas, but how about sending them after Christmas?

When a baby is born, most excitement comes afterward and not before he or she is born! Maybe we all should be celebratin­g Christmas after the 25th; that seems to be when all the excitement sadly ends.

— Donna in Ohio

DEARDONNA>> Wonderful sentiment, Donna. A Heloise hug to you!

WHOA, BABY!

DEARHELOIS­E>> My granddaugh­ters got some baby dolls for Christmas, but the prices of the baby-doll clothes are crazy!

Then I had a thought: What about real baby clothes? They are much cheaper, and are marked down all the time. My grandkids are happy with their baby wardrobes, and I’m happy I don’t have to spend so much!

— Grandma Mary in Kansas DEARHELOIS­E>> I volunteer at a nonprofit in my hometown. In addition to many services we offer the community, we sell gently used clothing. We use this money to pay our utilities, etc., so it’s important funding.

When going through the donated bags, we select only the best — clean, no animal hair, no smoke/offensive smells, no torn, stained or heavily used clothing.

However, we receive all of the above, which we have to haul off. The old electronic­s we receive (old television­s, VCR players, etc.) we have to pay the town dump to take.

I would ask your readers to think about their donations the next time they clean out their closets. If it’s junk, throw it away. If you’re truly wanting to help, bring the clothes YOU would want to buy.

— Joseph F., via email

DEARREADER­S>> Let’s start off the new year on the right foot: How about creating a job jar? Write down all household chores on slips of paper and put them in a jar. Everyone in the family, even Mom and Dad, grabs a slip once per week and completes that task.

Makes for a fun, and fair, disburseme­nt of the workload!

DEARHELOIS­E>> Do you prefer reusable grocery bags? They’re convenient and great for the environmen­t, but they can harbor germs! I run mine through the washer every month or so, and hang them to airdry. — Mike P. in Massachuse­tts

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