(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.

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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:

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 out 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. Mobile devices also have settings that can restrict apps from knowing your physical location or accessing your camera, microphone, photos or contacts.

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. It also means that people have to ask your permission before they can follow you.

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.

5. Talk to other families. Other kids or families may have a different definition of what is or isn’t “private.” Encourage your kids to talk to their friends about how they will respect each other’s privacy online. Good friends will understand, think and ask before posting a photo or information about their friends. Talk to other parents about your feelings on privacy, too, and ask for their opinions with the goal of protecting and respecting each other’s privacy online.

Explore more ideas to keep your kids and family safe online at internetsafety.trendmicro.com.

Photo courtesy of Getty Images

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 Security

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 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