Access to information and entertainment, credit and financial services, products from every corner of the world — even to your work — is greater than ever. Thanks to the internet, you can play a friendly game with an opponent across the ocean; review and rate videos, songs, or clothes; get expert advice in an instant; or collaborate with far-flung co-workers in a "virtual" office.
But the internet — and the anonymity it affords — also can give online scammers, hackers, and identity thieves access to your computer, personal information, finances, and more.
With awareness as your safety net, you can minimize the chance of an internet mishap. Being on guard online helps you protect your information, your computer, and your money. To be safer and more secure online, make these seven practices part of your online routine.
1. Protect your personal information. It's valuable.
To an identity thief, your personal information can provide instant access to your financial accounts, your credit record, and other assets. If you think no one would be interested in YOUR personal information, think again. ANYONE can be a victim of identity theft. In fact, according to the Federal Trade Commission, millions of people become victims every year.
2. Know who you're dealing with.
And what you're getting into. If it's your first time on an unfamiliar site, call the seller's phone number, so you know you can reach them if you need to. If you can't find a working phone number, take your business elsewhere.
Type the site's name into a search engine: If you find unfavorable reviews posted, you may be better off doing business with a different seller.
Consider using a software toolbar that rates websites and warns you if a site has gotten unfavorable reports from experts and other internet users. Some reputable companies provide free tools that may alert you if a website is a known phishing site or is used to distribute spyware.
3. File-Sharing: Worth the hidden costs?
Every day, millions of computer users share files online. File-sharing can give people access to a wealth of information, including music, games, and software. How does it work? You download special software that connects your computer to an informal network of other computers running the same software. Millions of users could be connected to each other through this software at one time. Often, the software is free and easy to access.
But file-sharing can have a number of risks. If you don't check the proper settings, you could allow access not only to the files you intend to share, but also to other information on your hard drive, like your tax returns, email messages, medical records, photos, or other personal documents. In addition, you may unwittingly download malware or pornography labeled as something else. Or you may download material that is protected by the copyright laws, which would mean you could be breaking the law.
4. Use security software that updates automatically.
Keep your security software active and current: at a minimum, your computer should have anti-virus and anti-spyware software, and a firewall. You can buy stand-alone programs for each element or a security suite that includes these programs from a variety of sources, including commercial vendors or from your Internet Service Provider. Security software that comes pre-installed on a computer generally works for a short time unless you pay a subscription fee to keep it in effect. In any case, security software protects against the newest threats only if it is up-to-date. That's why it is critical to set your security software to update automatically.
5. Keep your operating system and Web browser up-to-date, and learn about their security features.
Hackers also take advantage of Web browsers (like Firefox or Internet Explorer) and operating system software (like Windows or Mac's OS) that don't have the latest security updates. Operating system companies issue security patches for flaws that they find in their systems, so it's important to set your operating system and Web browser software to download and install security patches automatically.
In addition, you can increase your online security by changing the built-in security and privacy settings in your operating system or browser. Check the "Tools" or "Options" menus to learn how to upgrade from the default settings. Use your "Help" function for more information about your choices.
If you're not using your computer for an extended period, disconnect it from the internet. When it's disconnected, the computer doesn't send or receive information from the internet and isn't vulnerable to hackers.
6. Protect your passwords.
Keep your passwords in a secure place, and out of plain sight. Don't share them on the internet, over email, or on the phone. Your Internet Service Provider (ISP) should never ask for your password.
In addition, hackers may try to figure out your passwords to gain access to your computer. To make it tougher for them:
- Use passwords that have at least eight characters and include numbers or symbols. The longer the password, the tougher it is to crack. A 12-character password is stronger than one with eight characters.
- Avoid common words: some hackers use programs that can try every word in the dictionary.
- Don't use your personal information, your login name, or adjacent keys on the keyboard as passwords.
- Change your passwords regularly (at a minimum, every 90 days).
- Don't use the same password for each online account you access.
If you follow these tips, you're more likely to be free of interference from hackers, viruses, and spammers. But no system is completely secure. If you have important files stored on your computer, copy them onto a removable disc or an external hard drive, and store it in a safe place.
8. Learn what to do in an emergency.
If you suspect malicious software is lurking on your computer, stop shopping, banking, and other online activities that involve user names, passwords, or other sensitive information. Malicious software could be sending your personal information to identity thieves.
Confirm that your security software is up-to-date, then use it to scan your computer. Delete everything the program identifies as a problem. You may have to restart your computer for the changes to take effect.
Posts
No comments:
Post a Comment