(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.

1. Do power down your devices. This disables the internet connection, cutting off access to any personal information stored on your computer, tablet or phone. Unattended machines, especially if you are asleep or leave them at home while on vacation, are easy targets for hackers.
2. Don’t connect to unsecured wireless networks. Information accessed on an open network, including email passwords and sensitive bank information, is fair game for hackers. Don’t make their jobs easier. Turn off Wi-Fi access on your devices unless it’s a password-protected network you trust.
3. Do monitor your children’s device usage. It’s a good idea to limit use of computers, tablets and phones to public areas within the home like the living room or kitchen. This makes it easier for parents to keep an eye on who their kids are communicating with, especially on social media or gaming sites, to help prevent the sharing of sensitive information like full names, addresses or other things that can be used for identity theft or other potentially dangerous activities.
4. Don’t discard important paperwork without shredding it. If it has your name and address, thieves can take advantage and open an account using your information. Remember to shred expired insurance documents, vehicle registrations, bills, loan pre-qualifications and other paperwork that would allow someone to call in pretending to be you. Check your credit reports at least twice a year to ensure all accounts opened in your name are valid.
5. Do install recommended updates. Smartphone, computer, tablet and smart TV manufacturers, among other providers of connected devices, offer periodic software updates to protect against potential security breaches. Chances are, if an update is recommended, hackers have already discovered a way to access your personal property and information, so keep your software up to date.

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.”

Take Music and Podcasts Everywhere You Go

(Family Features) Music is everywhere, and today’s tech-enabled world makes it easy to enjoy the sounds of your favorite artists and storytellers no matter where you go.

“In the connected world we live in, consumers want to be able to listen to their favorite music and podcasts wherever they are and however they choose to listen, whether that’s at home, in the car or on the run,” said Sten Garmark, vice president of product for Spotify.

Learn about the many ways you can access music and podcasts while on the go with these tips that can make it easy to bring your audio library with you from the family room, to the car, to the gym and virtually anywhere else life takes you:

At Home
Smart technology isn’t just for improving security or managing your home’s energy use. An increasing number of smart devices designed for the home make it easy to listen to your favorite music and podcasts in every room.

Smart speakers are a must for any music-lover’s home with a wide range of devices that come in all shapes and sizes. Whether it’s listening to motown while you cook, turning up the jazz while you entertain or queuing up your favorite podcasts as you wind down for the night, smart speakers are equipped to stream all types of audio across your home. There are other sources for accessing your music, too. Smart TVs have become true information and entertainment hubs; going far beyond the music channels many cable and satellite providers offer, you can now access an array of apps, including streaming music, on many smart TV models. Another option: game consoles that integrate apps and features beyond their basic gaming function, such as streaming music for the best gaming soundtrack experience.

Also keep in mind that smart home hub capabilities often extend beyond simple device management, such as allowing you to use voice commands to play music and podcasts from streaming services.

In the Car
For most newer vehicle models, standard audio systems offer a wealth of handy music features like favorites lists, Bluetooth integration with your smartphone and access to various apps. Voice-activated controls even let you adjust volume and switch tracks while keeping your eyes on the road and hands on the wheel. Just say the word to turn up the volume on premade playlists such as “70s Road Trip” and podcasts like “The Joe Budden Podcast” with a streaming service like Spotify.

It’s no secret that there are dozens, if not hundreds, of apps designed to make driving easier and more enjoyable. You’re probably familiar with apps that provide directions or help you locate the cheapest gas nearby, but don’t overlook entertainment apps that can add a little fun to all that function.

If music apps like Spotify aren’t already integrated into your car’s audio system, you can access them through your smartphone then connect via an auxiliary cord or through Bluetooth with Apple CarPlay or Android Auto, which have in-car display options that make streaming audio simple and stress-free.

On the Run
One of the fastest growing tech segments is wearable technology, which spans everything from smartwatches to electronic devices integrated into clothing or shoes. Fitness enthusiasts may find that in addition to offering health and fitness functions, many of these devices are also able to stream music. Some wearables come with music apps pre-installed, but many also offer options to add your own custom app selections after purchase.

Streaming music directly from your smartphone’s built-in speaker is almost always an option as well, even without any other device. When you want or need to keep your music to yourself, wireless headphones are an increasingly affordable, hassle-free option. Simply pair the headphones with your smartphone for a private music experience even when you’re in a crowded place.

Explore more options to take your music everywhere you go at Spotify-Everywhere.com.

Smart Value

Tech upgrades to improve home function

(Family Features) When smart home technologies first emerged, their purpose was largely for convenience and operating the devices was often clunky. Today, smart devices seamlessly integrate into connected home systems to make living more efficient, improve home security and even offer advantages for your health.

If you’re considering upgrades to your home, smart technology is a savvy way to add value and function.

Energy Consumption

Smart lighting is among the most prevalent of smart functions on the market, largely because of the multiple benefits it offers. It’s handy to be able to set regular lighting patterns throughout the home so you’re never left in the dark. You can also manage those lights from your smartphone, so forgetting to turn off a light is no longer an issue and you can fool would-be-thieves into thinking the house is inhabited when you’re away.

Fingertip controls offer plenty of advantages, but another consideration is energy management. Dimming features and sensors that turn lights off and on through various detection methods (such as movement or recognizing a connected Bluetooth device) help minimize wasted energy. The lights are typically constructed to use less energy, and most models last substantially longer than their traditional counterparts; some brands claim a lifespan of 20 years or more.

Smart lighting is an easy way to curb energy usage, but another consideration is climate control, which accounts for a big chunk of a typical household’s energy consumption.

The idea of programming your thermostat is nothing new, but smart thermostats take programming to a whole new level. Not only can you schedule temperature changes to coincide with your coming and going (and manage those changes with an app when you’re not even at home), today’s smart thermostats also have sensors that learn your daily habits and can adjust the climate accordingly. Comfort aside, the impact on energy usage is often substantial enough that some electric companies even offer incentives to homeowners who install the devices.

Air Quality
In an average home, the pollutant level is normally low when people first enter the house, or after effective ventilation. However, after an extended period of time, daily activities can raise the level of humidity and carbon dioxide to unhealthy levels that can cause headaches, dizziness and sleepiness, and can contribute to long-term health issues.

“Few are aware of the impact of indoor air on their health and wellbeing, but the air we breathe is just as important as the food we eat or the water we drink,” said Kent Holm, senior vice president of global product management with the Velux Group. “An average adult breathes in around 4,000 gallons of air every day and spends up to 90 percent of their time indoors. A healthy indoor climate goes way beyond simple convenience.”

Opening skylights in conjunction with vertical windows removes polluted air from the home and promotes an overall healthier lifestyle. An option such as Velux Active with Netatmo is the first smart skylight system that connects with Apple HomeKit, allowing homeowners to manage indoor climate control at home or remotely with the touch of a button.

In addition to manual controls, smart sensor technology monitors carbon dioxide, humidity and temperature in the home and data from local weather station forecasts to automatically open the skylights if fresh air is needed. The system can also automate skylight blinds. Learn more at whyskylights.com.

Peace of Mind

Home security takes numerous forms, from detecting threats like fire or water to physical barriers at the home’s entry points. Smart technology is transforming the way homeowners manage their home’s security and giving them added confidence that their families are safe within those walls.

Smart smoke alarms and carbon monoxide detectors offer enhanced sensory features as compared to traditional models, in addition to sending alerts to your smart devices when you’re away. Water damage is another risk if you’re in an area prone to flooding or if you’re concerned about dampness that could spur mold growth. A smart sensor can alert you of changes in your home’s moisture level due to leaks or humidity so you can take preventive measures before damage becomes severe.

Anyone who’s ever gotten five miles down the road only to question whether the garage door went down or the front door was locked can appreciate the advantages of smart technology. Smart garage door openers and door locks make it easy for you to program access to guests who may not have a key and even gain access to the house when you’ve forgotten your own key. Other smart security devices like doorbell and flood light cameras help you keep tabs on the traffic around your home.

7 Ways to Create a High-Tech, Healthy Home

(Family Features) Home technology devices have come a long way, and many homeowners are discovering that their features aren’t just for convenience and comfort. A growing number of technology-enabled home features promote a healthier living space for you and your family.

From boosting indoor air quality to cutting back on dust, dirt and germs, these ideas are the perfect way to add functional upgrades that improve your quality of life.

1. Minimize floor debris.
The floors in most homes are grounds for an unsettling array of dust, dirt and other unsavory elements, many of which are tracked in from outdoors. A robotic vacuum can help you keep these and other allergens like pet hair under control with next to no effort. Some models even know when they’re low on battery, return to their docking station to recharge then rely on memory to pick up just where they left off. Many are also self-emptying for a virtually hands-free cleanup job after the initial setup.

2. Create climate zones.
A zoned approach to cooling and heating systems allows homeowners to cool and heat their homes in multiple zones, reducing energy consumption in spaces used infrequently. Today’s systems take climate management one step further. In addition to regulating the temperature, a system like Mitsubishi Electric Zoned Comfort Solutions offers advanced, multi-stage filtration that constantly cleans the air to capture and remove contaminants which may trigger allergy and asthma symptoms, spread germs and impact air quality. In addition, features like platinum deodorizing filters on select systems use nanotechnology to absorb and neutralize odors.

3. Wash away germs.
It’s only natural that a device you use to wash dirty hands is often one of the most bacteria-laden elements in a home. However, if you don’t have to touch a faucet, concerns about germs may diminish. Hands-free faucets are hardly new; they’ve been the norm in public restrooms for years. Now these models are more accessible (and affordable) for homeowners, offering the same germ-minimizing and water conservation benefits as their commercial counterparts.

4. Monitor for danger.
Fire alarms and carbon monoxide detectors are obvious essentials for any home, but smart models take protection even further by letting you know about a problem even when you’re not at home. By connecting the monitors to a smart device, such as your phone, you can be alerted to potential concerns before they become major threats to your health or even life. An added bonus: many models will also send notices about issues like low battery life, so if you get the alert while you’re already out, you can save yourself an extra trip.

5. Reduce ductwork.
Humidity can cause heating, ventilation and air conditioning ducts to become damp and breed mold, mildew and bacteria, but eliminating or reducing ductwork means less dust or bacteria circulating throughout your home. You can further manage air quality with options such as a Mitsubishi Electric Zoned Comfort System. These cooling and heating systems are available in both ducted and ductless configurations and use filters that are easy to access, remove and clean. Typically homes only use one type of cooling and heating system, but some home designs, such as room additions or retrofits, may require a hybrid system with a mix of ducted and ductless products with short duct runs and robust filtration.

In fact, Mitsubishi Electric ducted air systems use less ductwork than traditional systems. Less ductwork results in less chance of air leakage, which reduces energy loss, and less contaminants building up in the ductwork. For homeowners looking to go the ductless route, the simplicity of an option like the MLZ One-Way Ceiling Cassette indoor unit is an aesthetically friendly solution that blends into the ceiling. This system easily slides between standard 16-inch joists.

6. Let there be light.
Most experts agree that natural light is good for your overall wellbeing. Among the benefits are its mood-boosting abilities, and some research indicates it’s better for your eyes than the harsh glare of artificial bulbs (assuming you don’t stare directly at the sun, of course). Make it easy to fill your home with ambient natural light using smart technology for your window coverings, including blinds or drapes. Whether powered by a remote control or your smartphone, you’ll have the ability to create a lighter, brighter room at your fingertips.

7. Don’t overlook the outdoors.
A lawn that is over-watered is a breeding ground for mold, insects and other threats to your health. A smart irrigation system can help regulate your sprinklers to monitor the weather and avoid unnecessary watering. In addition, some models allow you to program the exact type of grass or vegetation to help keep tabs on lawn and flower bed moisture levels and make automatic adjustments to strike a perfect balance between drying out and oversaturating.

Explore more health-conscious solutions for your home at MitsubishiComfort.com.

5 Ways to Boost Home Wi-Fi

(Family Features) In today’s connected world, it’s almost unthinkable to function without an internet connection, and for practical purposes most households need wireless connectivity for everyone to fully enjoy their internet-enabled devices, including smartphones, laptops, tablets, televisions, thermostats, security cameras and even refrigerators.

However, with the growing number of devices requiring access to your network, and in some cases even the quality of the connection itself, there can be limitations to your Wi-Fi network’s performance. The problem can be compounded by the reality that increased reliance on Wi-Fi networks isn’t just in your own home or office, it’s around the globe.

Some groups, such as WifiForward, are advocating for increased connectivity across America, including greater access to unlicensed spectrum, which are radio frequencies that consumers can use for a wide range of purposes, including Wi-Fi. Ultimately, greater access to unlicensed spectrum can result in benefits like more reliable connections and super-fast “Gigabit Wi-Fi,” as well as cost-effective wireless broadband for unconnected urban and rural areas.

In the meantime, these tips may help boost the quality and speed of your home Wi-Fi network.

Use up-to-date Wi-Fi technologies. It won’t matter what other steps you take to improve your network performance if you’re using old technology. Be sure your devices and router are all compatible with the latest network capabilities. Equipment that runs the latest Wi-Fi standard, 802.11ac, is ideal if you’re using multiple devices.

Improve network security. Be sure to regularly update your password and enable WPA2 encryption, which offers greater security.

Know that location matters. Placing your router in an open, centralized area is likely to create a better access point throughout the house. Be wary of walls and other obstructions than can hinder a clear signal transmission throughout the house. An ethernet cable and cable clips are all you need to move your router from its connecting point to a more signal-friendly location.

Reboot your router regularly. Like many devices, an occasional reboot can help improve function. A router that is continually running is processing a great deal of data and even in normal operation some data can become corrupt. A reboot can dump those errors and allow you to resume operations with a clean slate, so to speak.

Update your connected devices. Each device that is actively connected to your network depletes available bandwidth. When a device’s operating system is out-of-date, it can become a data hog, impacting the performance of the other devices you have connected in your home. Check regularly for software and connectivity updates to improve speeds and maximize your experience. 

Learn more about constraints of the nation’s current Wi-Fi airwaves and possible solutions at WifiForward.org.

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