rogerowensrealtor.bsky.social
rogerowensrealtor.bsky.social
rogerowensrealtor.bsky.social
@rogerowensrealtor.bsky.social
Las Vegas area in Nevada Realtor.
Roger is as passionate about Las Vegas living as he is about finding your unique home.
Roger is the future of real estate, having created a streamlined, tech-savvy & personalized concierge experience for buyers & sellers
Smart Thermostats: Top 4 Expert Picks
Information is brought to you by Programmable thermostats let you set the temperature in your home and have the thermostat change it based on the time of day. What makes them ‘smart’ is that they can learn from your behaviors, let you control the climate remotely, show you energy consumption in real-time and even adjust themselves based on conditions like humidity. You can tell them to shut off after you leave for work and spring back into action in time to ensure the house temperature is comfortable by the time you get home. Many models can be managed from your phone or a website. If you’re thinking of upgrading to a money-saving smart thermostat, here are four models highly recommended by independent reviewers at BestReviews, WiseBread and LifeHacker: The Nest Learning Thermostat This model tops most lists and is backed by over 17,000 five-star reviews on Amazon. The Nest is easy to use and install, and works with Amazon Alexa, the Nest App and other smart devices. It features energy-saving options, a remote control, auto scheduling, and more. This Energy Star thermostat uses Farsight for an easy-to-read display you can see from across the room, and can alert you if something is wrong in the home while you’re away. It costs about $225. Honewell Smart Wi-Fi Color Touch The Honewell also works with Amazon Alexa, features flexible scheduling, smart response technology, on-screen comfort information, an indoor humidity sensor, auto alerts and energy-saving options. It includes an app so you can control your thermostat from anywhere. Control features include a customizable color touch-screen, simple setup and Wi-Fi remote access. Another Amazon customer favorite, it costs about $189. Eccobee 3 Light Smart This one is easy to install, with an easy-to-use touch screen display, and also takes local weather into account and can be scheduled to desired comfort settings. It works with Alexa, as well as with optional room sensors and the mobile app. At about $169, it offers hands-free control and hundreds of integration possibilities. Emerson Sensi-Smart The Emerson is also compatible with Alexa. This model is easy to install and you can remotely control temperature and timeline with a free mobile app. It uses a GPS feature for location-based temperature control and flexible scheduling to help reduce utility bills. It runs around $135. Brought to you by
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November 17, 2025 at 2:59 PM
How Credit Cards Differ From Debit Cards
Information is brought to you by A debit card is a smart way to shop if you want to avoid using a credit card that will charge you interest if you don’t pay the balance in full each month. But because a debit card is directly tied to your bank account, you can lose a lot of protections. Debit Card Hassles While a debit card can be seen as safer than carrying cash, it can be a costly mistake if a thief steals it or your personal information to empty your bank account. If your credit card is lost or stolen, or the information on it is stolen, you can’t lose more than $50 in unauthorized transactions, according to federal law. The same is true for an ATM or debit card if you report it within two business days, according to the Federal Trade Commission. You won’t be responsible for any unauthorized withdrawals if you report the card missing before someone uses it without your permission—that’s the good news. But it can get much worse with a debit or ATM card, the FTC says, if unauthorized use happens before you report it. If you report a debit card loss within 60 days after your statement is mailed to you, you could lose up to $500 in unauthorized transfers. If you don’t report it within 60 days, you risk unlimited loss. You could lose all of the money in that account and the unused portion of your maximum line of credit for overdrafts. The thieves could overdraft your account if you wait more than two months to report it. Once you report the loss or theft of your debit card to the issuer, you’re not responsible for additional unauthorized use. Credit Card Protections If your credit card or number is stolen, federal law offers a simple protection: You’re only liable for up to $50 in unauthorized transactions. That comes with one important caveat—you must report it to your credit card issuer. Some issuers won’t charge you the $50 and are vigilant, alerting customers when they see potential credit card fraud. The $50 limit after quickly reporting the loss of a credit or debit card is great if you do it within two days. But wait any longer than that and a debit card could be much costlier than a credit card if thieves get their hands on it. Brought to you by
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November 10, 2025 at 3:13 PM
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