(BPT) - Resourceful thieves and cybercriminals continue to find new ways to hack U.S. consumers’ sensitive personal information. Dumpster diving, stolen or lost wallets and mail fraud should still be concerns, but the digital age of tablets, smartphones, PCs and Wi-Fi networks leaves people more vulnerable than ever. Have you ever stored credit card information on your phone for added convenience to make payments in a checkout lane? Do you ever store passwords in apps to transfer funds between accounts? And what’s to keep hackers from accessing a wireless network you check your email on while you’re grabbing a quick cup of coffee? ”More than 15.4 million people a year will experience identity theft, with an average loss of more than $1,000,” said Jane Li, Mercury Insurance’s director of product management. “When one access point closes due to added levels of security, cyberattackers find another. Insurance companies like Mercury provide services that allow homeowners and renters to enjoy the convenience of accessing their connected devices at home and on the go, while also helping to protect customers from the potentially devastating effects of criminal infiltration, cyberextortion and identity theft.” The following five do’s and don’ts can help stop criminals in their tracks and protect your connected devices, as well as your electronic identity.
Li recommends homeowners and renters speak with their local insurance agent to learn more about the endorsements they may be able to add to existing policies to help safeguard their finances if their identities are compromised or connected devices are attacked. “It can be daunting to try to regain your financial footing if a criminal takes advantage of you,” said Li. “Insurance exists to help protect consumers from unexpected events and, in this case, it’s better to be safe than sorry.”
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(BPT) - As the pace of technology advances, cybersecurity threats do, too. Data breaches, identity theft, phishing and malware make headlines seemingly every day. Internet-connected devices, social media, digital assistants and mobile apps have become indispensable in our everyday lives, but their connectedness makes us increasingly vulnerable to cyberattacks. Recent reports estimate that damages relating to cybercrime are expected to hit $6 trillion annually by 2021. “It’s impossible to predict when you will be affected by cybercrime,” says Bashar Abouseido, chief information security officer for Charles Schwab Corp. “The best defense is to stay informed.” It can be helpful to envision your computer and digital devices as a house where you store your personal data. October is National Cybersecurity Awareness Month, so it’s a good time to make sure your digital house is secure. The first step is to understand the ways cybercriminals may attempt to access your data. Types of cybercrimes Data breaches occur when there is unauthorized access to sensitive personal information. These incidents often make headline news and can affect large numbers of consumers. Malicious software, also known as malware, spyware, ransomware and viruses, refers to software programs designed with the purpose of gaining unauthorized access to a mobile app, digital device or computer. Phishing is one of the most common forms of online fraud and cybercrime. Cybercriminals try to lure you with a fake email sent from what they have designed to appear to be a trusted source or contact that encourages you to click a link or open an attachment in order to extract personal account information. 5 tips to protect your digital house 1. Remodel your digital house: Installing updates is an essential first step. Think of system updates as basic maintenance to your digital house that is keeping your personal data safe. It can be annoying to see those system update prompts on your computer or mobile device, but software developers are constantly improving their software to repel the latest malware. By keeping your operating system and apps updated, you are making sure that your digital house is as secure as possible. 2. Don’t have a leaky house: Be wary of public Wi-Fi networks. Using public — and often free — Wi-Fi networks is convenient, but it is a common entry point for criminals to use malware to infect your devices and apps. Use only networks you trust or use your own personal Wi-Fi hotspot if you have one. Never update your devices when you are connected to a public Wi-Fi network. 3. Keep your keys secure: Choose unique access credentials. Access credentials — usernames and passwords — are the keys that keep your digital house safe and secure. Select credentials that are unique and don’t include personal identifying information such as a name, address or birthday. For added protection, choose two-step verification to access critical online accounts for your banking, retirement or investment accounts. Two-step verification is typically a key or another code provided by the service provider in addition to your primary access credentials to verify your identity. 4. Secure doors and windows: Use only secure websites and app stores. Web browsers and app stores are like the doors and windows in your digital house. Make sure they are secure by using web addresses that start with “https” and downloading apps only from the Apple App Store, Microsoft Store and Google Play store. 5. Don’t open that door: Delete suspicious emails. That knock on your cyber front door is the sound of a cybercriminal sending you a phishing email. Be suspicious of emails that come from unknown senders. Use your cursor to hover over questionable links and email addresses to reveal the true identity of the link or sender. When in doubt, don’t click on any links or open any attachments and delete the email immediately. For more information on more ways to educate and protect yourself from cybercrimes, visit SchwabSafe. 0919-9EF2
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Crime used to mean things like break-ins and thieves swiping packages from your doorstep. But now there’s an increasing number of cybersecurity threats that are also crimes of opportunity. With more and more people using unfamiliar networks and doing lots of online shopping, bad actors have plenty of targets to choose from. By following these simple steps for data protection, you can keep your digital information secure.
(BPT) - Crime used to mean things like break-ins and thieves swiping packages from your doorstep. But now there’s an increasing number of cybersecurity threats that are also crimes of opportunity. With more and more people using unfamiliar networks and doing lots of online shopping, bad actors have plenty of targets to choose from. By following these simple steps for data protection, you can keep your digital information secure.
1. Be careful when using insecure Wi-Fi networks If you’re traveling or out shopping, you may find yourself on an unfamiliar Wi-Fi network. Many stores, airports and rest stops offer free Wi-Fi as a convenience, but often those networks aren’t secured. That makes it especially risky to make online purchases because the traffic from your device can be easily monitored and stolen. If you are using public Wi-Fi networks, then browsing to any website, make sure your connection is encrypted and secure by looking for the lock icon in the top left of the address bar. Also, always double check that the address you are navigating to is what you expected. Many modern devices, like the ASUS NovaGo, now feature built-in LTE, which offers a more secure experience for your online shopping. 2. Don’t rely on passwords alone Passwords and user IDs are a staple of cybersecurity, but they can only get you so far. To further ensure your data stays protected, consider using password management and verification apps. They let you use your face, fingerprint, eyes or other methods to access your data across devices. For example, the Microsoft Authenticator app adds an extra level of security with two-step verification that allows you to access your Microsoft account and apps quickly and securely without having to remember a password. 3. Avoid phishing scams With so many companies emailing promotions, it can feel like your inbox is under assault. In fact, it very well could be. Some of those emails may be phishing scams designed to steal your private information. To protect your data, don’t click on any unfamiliar links and carefully review all notifications from your bank to catch any potentially fraudulent activity. Remember, scammers can be sophisticated. They may use personalized emails to gain your confidence or replicate the style of a well-known financial services company. If an email or link looks the slightest bit suspicious, don’t click it. Go directly to your bank or other online account to confirm the information independently. 4. Back up your data If all your data is stored in one place, it’s vulnerable. Bad actors can lock up your device and demand payment to release your files. That’s why backing your data up to the cloud is critical for protecting your files against ransomware attacks. The cloud allows you to safeguard your data and access it from multiple devices. Cloud storage services are secure and can also let you easily transfer your data if you’re upgrading to a new device. 5. Utilize privacy screens Preventing people from looking over your shoulder and stealing your information is the simplest and easiest way to protect your personal data. When online shopping in public, use privacy screens to hide your information. Some devices, like the HP EliteBook x360 and HP Spectre x360, have integrated privacy screens that instantly shield your screen with the push of a button. If your device doesn’t come with one built in, you can purchase a privacy screen. 6. Keep software current Using a modern operating system with the latest security updates and built-in anti-virus protection is the best way to ward off unwanted intrusions. Major tech companies continually upgrade software to account for the latest cybersecurity threats so you can be confident your data is protected. By keeping your software current, you can avoid many cyberattacks before they cause problems.
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In the context of cyber security, an action by an unknowing child can impact the entire family. While there are plenty of parental controls and blocks available, they aren’t foolproof. Educating children about the potential risks and how to avoid them can go a long way toward protecting your family from potential cyber problems. Open up a conversation with your children about cyber security with these tips.5 Tips to Make Sense of Cyber Security![]() (Family Features) It’s no secret that kids have a sense of invincibility. While that trait can bring some endearing reminders of the innocence of childhood, it can also have some highly unfortunate consequences. In the context of cyber security, an action by an unknowing child can impact the entire family. The majority of U.S. households are filled with devices that pose a potential threat to your personal security. In fact, according to the 2016 Global Consumer Security Survey by Trend Micro, nearly half of households have two or more computers and nearly a third have three or more smartphones. That means the opportunities are plentiful for missteps to occur. Despite the many benefits of a highly connected world, the potential for danger is strong. The same study found that 65 percent of respondents’ computers had been infected with a virus or malware. Other concerns included damage or loss of files, children viewing inappropriate content, cyberbullying and ID or password theft. While there are plenty of parental controls and blocks available, they aren’t foolproof. Educating children about the potential risks and how to avoid them can go a long way toward protecting your family from potential cyber problems. Open up a conversation with your children about cyber security with these tips from the experts at Trend Micro:
Explore more ideas to keep your kids and family safe online at internetsafety.trendmicro.com. Photo courtesy of Getty Images SOURCE:Trend Micro KEYWORDS
In this digital era, it pays to be just as diligent when it comes to virtual properties as it does physical ones. These seven steps can help you create a more secure environment that protects your family from online attacks.
7 Steps to Better Security Online![]() (Family Features) Virtually no one would park a car in a busy area, leave the keys in the ignition, roll the windows down and walk away. Yet many people who would take precautions to protect their vehicles leave access to their personal and financial information wide open. In this digital era, it pays to be just as diligent when it comes to virtual properties as it does physical ones. These seven steps can help you create a more secure environment that protects you from online attacks. Make your device a fortress. Whether you’re using a desktop, laptop or mobile device, taking proper precautions to safeguard the device itself is your first line of defense. Use reliable internet security software, apply firewalls, block pop-ups and prevent sites from logging your location. Make it a habit to log out of websites and regularly delete your history and cookies, especially if you’re using a public system or one that others access regularly. Shop smart. Only make purchases from encrypted sites and limit purchases to a single credit card that you regularly monitor. It’s a good idea to make online purchases using a card with a clear policy about your liability in the event your card number does get stolen or you unknowingly purchase from a fraudulent seller and need to recoup your funds. Be wary of strangers. Although social interaction with people you’ve never met is the norm via chat rooms and other internet-enabled sources, it’s still smart to treat those encounters with caution. Never divulge personally identifying information or financial details, and avoid opening emails or following text or message links from unknown senders. Keep privacy in mind. Know that virtually anything you post online can become public at the hands of someone with ill intentions. This even applies to things you post that you intend only for friends and family to see, as one of them can easily copy and forward on your photos, words, etc. If you’d be worried about the general public seeing it, don’t post or share it. Go ahead, be vain. Looking for yourself online isn’t really an ego move, it’s a smart one. Periodically searching your own name could reveal information in the public domain that you’d rather keep private or it could point to potential identify fraud. Monitor your credit and accounts. Particularly if you have an active online life, whether for social, work or practical purposes like banking or shopping, pay close attention to your credit and bank accounts. Hackers find all sorts of ways to get to your identity, but regular monitoring can help you identify a problem before it spirals out of control. Manage passwords responsibly. If you’re like most people, you probably use the same (or a variation of the same) password across numerous accounts. It’s human; it’s easy to remember. However, once a thief or hacker figures out your log-in credentials, all of your personal information and finances are ripe for the taking. Avoid repeating passwords across multiple sites and change passwords often for better security. For more tips to protect your family’s privacy and stay safe while online, visit eLivingToday.com. ![]() 4 Tips to Make Sense of Cyber SecurityIt’s no secret that kids have a sense of invincibility. While that trait can bring some endearing reminders of the innocence of childhood, it can also have some highly unfortunately consequences. In the context of cyber security, an action by an unknowing child can impact the entire family. The majority of U.S. households are filled with devices that pose a potential threat to your personal security. In fact, according to the 2016 Global Consumer Security Survey by Trend Micro, nearly half of households have two or more computers and nearly a third have three or more smartphones. Despite the many benefits of a highly connected world, the potential for danger is strong. While there are plenty of parental controls and blocks available, they aren’t foolproof. Educating children about potential risks and how to avoid them with these tips from Trend Micro can go a long way toward protecting your family from potential cyber problems. 1. Understand what you’re saying yes to. Be involved, knowledgeable and interested in the devices, apps and sites your children use for school and for fun. For sites they use for school, ask their teachers for more information. For apps they’re using at home, spend 15 minutes trying it yourself. 2. Use privacy settings and features. Make sure you understand what privacy protections your browser or devices offer for your family when your kids are accessing their favorite sites, apps and online services. Many browsers allow you to prevent sites from tracking what you do and where you go online, so spend some time looking at web browser settings to see what privacy options are available to you. 3. Use features and services available within an app or website. Also take a look at the privacy settings available in the specific apps, websites or games your family uses. Most will let you have a private account, which means the whole world won’t be able to see what you post or who you’re connected to. 4. Remember that being online is a public life. Nothing is truly private online. If you and your family keep this in mind, it can help you all think through what you are about to post, like and click on, as well as who you connect with online. Explore more ideas to keep your kids and family safe online at internetsafety.trendmicro.com. Photos courtesy of Getty Images SOURCE:eLivingToday.com KEYWORDS
(BPT) - Your smartphone, your tablet, your computer - they are some of your most important and most used possessions. They are the daily tools you use for research, to connect with others and make purchases. You take them everywhere and fill them with your important, personal information. And all of that makes them the perfect targets for a cyberattack. The number of cybercrime incidents in the United States grows each year, and as Americans move into an increasingly digital society - thanks to smart phones, smart cars and smart in-home technologies - cybercrime is expected to grow in frequency again in 2017. Protecting yourself, your family and the vital information on your devices means increasing your focus on your own cybersecurity. That starts with these five tips. * Recognize you're not immune. Cyberattacks increase in frequency and severity every year, so don't make the mistake of believing it can't happen to you. "It's important to protect yourself by taking personal responsibility for your data; we can't expect banks or other institutions to do it for us," said Jim Karagiannes, Ph.D., professor in DeVry University's College of Engineering & Information Services. "We lock our doors and take other security measures to protect our home and car. We need to also take precautions with our personal security and information." * Don't store your username, password or credit card information with a website. The convenience makes it tempting, but websites are a popular target for cybercriminals because a successful hack gives them access to hundreds or thousands of files, including yours. Even storing this information on your own computer can expose it in a cyberattack, and if your credit card information is captured, criminals can use it to gather your social security number. That exposes you to identify theft. Keep this information off your devices and, instead, create complex passwords and write down all of your usernames and passwords on a piece of paper that you keep in a safe place, such as a deposit box. * Use only a credit card, not a debit card, when making online purchases. Using your credit card instead of your debit card allows you to keep better track of the purchases you have made. It also limits the effects of any possible theft to just the one card instead of several. If you have no choice but to use a debit card for an online purchase, do not use your pin number online. * If it feels like a trick, it probably is. Cybercriminals often engage in "social engineering" or other non-electronic methods to try and trick you into surrendering your data. If you get a phone call about a banking or credit card issue or if your computer tells you to call a number because it just caught a virus, be cautious. Do not divulge any personal history or credit card details. Hang up or ignore the computer-generated notices and call the customer service number of the institution's website with any questions. * Replace your existing credit cards with chip cards as soon as possible. Chip cards are becoming the new normal these days, and if your current credit card does not have a silver square chip on its front, consider replacing it quickly. Popularized in Europe, chip cards possess the necessary encrypted information to eliminate delays in the transaction process. Doing so closes the window criminals need to steal your personal information, thus protecting you from identity theft. You have no intention of abandoning your devices, of course, so protect them. Following the tips above will help better secure your technology and personal information from the threats of cybercrime so you can enjoy your devices with greater peace of mind. |
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