Notes

Transposition works by rearranging the letters of a word or sentence to produce a cipher, a secret method of writing. For instance, the rail fence cipher, a popular form of transposition, alternates the letters of a message in a zigzag pattern that moves between two consecutive rows.

In fact, Money Magazine estimates that 78 percent of us will experience a major negative life event, such as an unexpected pregnancy or car problem, in any given ten-year period. You’ll want to be prepared for when this happens.