Protecting A Computer

Advances in computer technology is a double-edged sword. On one hand, it affords us quick and easy access to numerous conveniences such as bank statements, favorite shopping centers, school and health records, and more. On the other hand, it can also grant the same access to those who aren't supposed to get it. Although it's a rare occurrence, hacking has become the biggest criminal nuisance in computer history.

Make no bones about it. There's nothing innocent or cute about the hacker. Today's hackers aren't the pimply-faced teen rebels that you might be thinking of. Instead, this generation of hackers are grown individuals who are more than likely earning a living by stealing the identities of innocent, law abiding individuals and then selling those identities to others who want to slip by the system. And the only protection against these seedy people is prevention.

Computer security couldn't be more important than it is today and that's why we've taken the time to introduce it to you. You can reduce the probability of experiencing identity theft by making your computer as hacker-proof as possible. All that's needed is a little software and a lot of common sense.

1. Install an anti-virus/anti-spyware program. Anti-virus/anti-spyware software will stop malicious code from downloading and installing onto your computer while you peruse the Internet. Known as viruses, worms, or spyware, this malicious code can destroy important files and render your computer good for only one thing: sending sensitive data back to the server of an identity thief.
2. Don't store sensitive data on your computer in the first place. Should your computer get infected with a virus, worm, or piece of spyware, you can thwart the individuals responsible by not storing your personal information on your PC so that when and if your computer does send back data - it won't be anything valuable. Hackers look for things like full names, social security numbers, phone numbers, home addresses, work-related information, and credit card numbers. If these things aren't saved onto a computer, there's nothing critical to worry about other than restoring your computer to a non-virus condition.
   
3. Don't open files without scanning them with an anti-virus/anti-spyware program. In the past, the warning was to avoid opening files from people that you don't know. Today it's really not safe to open files from anyone (without scanning the files) because that's how viruses get spread - through files - even by mistake. So even though your co-worker may have emailed a funny video, it's no more safe to open than a video downloaded from a complete stranger. Be safe and scan each and every file you download from the Internet or receive through email regardless of where it came from.
4. Create a barrier between your computer and prying eyes. Anti-virus/anti-spyware programs are only effective after the effect. But you can prevent identity theft from occurring by installing a firewall. A firewall is software that checks all data entering and exiting a computer and it then blocks that which doesn't meet specified security criteria (user-defined rules).
5. Don't click on website links in spam messages. In an effort to obtain personal information, some spammers will send email that asks you to click on a link. The email messages are often disguised as important messages from well-known online establishments, and they often try to scare their readers into clicking links with threats of closing an account of some sort. Sometimes the links are harmless and attempt to con the reader into volunteering personal information (credit card number), but other times the links attempt to download harmful software onto a computer.

Your best protection against computer crimes is your own knowledge. Hopefully the suggestions above will prompt you into taking appropriate action and into protecting your computer with the suggested tools. In doing so, you'll not only protect yourself, you'll prevent the spread of these malicious activities and protect others at the same time.

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Phishing For Your Identity

Who hasn’t received an email directing them to visit a familiar website where they are being asked to update their personal information? The website needs you to verify or update your passwords, credit card numbers, social security number, or even your bank account number. You recognize the business name as one that you’ve conducted business with in the past. So, you click on the convenient “take me there” link and proceed to provide all the information they have requested. Unfortunately, you find out much later that the website is bogus. It was created with the sole intent to steal your personal information. You, my friend, have just been “phished”.

Phishing (pronounced as “fishing”) is defined as the act of sending an email to a recipient falsely claiming to have an established, legitimate business. The intent of the phisher is to scam the recipient into surrendering their private information, and ultimately steal your identity.

It is not at easy as you think to spot an email phishing for information. At first glance, the email may look like it is from a legitimate company. The "From" field of the e-mail may have the .com address of the company mentioned in the e-mail. The clickable link even appears to take you to the company's website, when in fact, it is a fake website built to replicate the legitimate site.

Many of these people are professional criminals. They have spent a lot of time in creating emails that look authentic. Users need to review all emails requesting personal information carefully. When reviewing your email remember that the "From Field" can be easily changed by the sender. While it may look like it is coming from a .com you do business with, looks can be deceiving. Also keep in mind that the phisher will go all out in trying to make their email look as legitimate as possible. They will even copy logos or images from the official site to use in their emails. Finally, they like to include a clickable link that the recipient can follow to conveniently update their information.
A great way to check the legitimacy of the link is to point at the link with your mouse. Then, look in the bottom left hand screen of your computer. The actual website address to which you are being directed will show up for you to view. It is a very quick and easy way to check if you are being directed to a legitimate site.

Finally, follow the golden rule. Never, ever, click the links within the text of the e-mail, and always delete the e-mail immediately. Once you have deleted the e-mail, empty the trash box in your e-mail accounts as well. If you are truly concerned that you are missing an important notice regarding one of your accounts, then type the full URL address of the website into your browser. At least then you can be confident that you are, in fact, being directed to the true and legitimate website.

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Securing Your Computer System

Today, more and more people are using their computers for everything from communication to online banking and investing to shopping. As we do these things on a more regular basis, we open ourselves up to potential hackers, attackers and crackers. While some may be looking to phish your personal information and identity for resale, others simply just want to use your computer as a platform from which to attack other unknowing targets. Below are a few easy, cost-effective steps you can take to make your computer more secure.

1. Always make backups of important information and store in a safe place separate from your computer.
2. Update and patch your operating system, web browser and software frequently. If you have a Windows operating system, start by going to www.windowsupdate.microsoft.com and running the update wizard. This program will help you find the latest patches for your Windows computer. Also go to www.officeupdate.microsoft.com to locate possible patches for your Office programs.
3. Install a firewall. Without a good firewall, viruses, worms, Trojans, malware and adware can all easily access your computer from the Internet. Consideration should be given to the benefits and differences between hardware and software based firewall programs.
4. Review your browser and email settings for optimum security. Why should you do this? Active-X and JavaScript are often used by hackers to plant malicious programs into your computers. While cookies are relatively harmless in terms of security concerns, they do still track your movements on the Internet to build a profile of you. At a minimum set your security setting for the “internet zone” to High, and your “trusted sites zone” to Medium Low.
5. Install antivirus software and set for automatic updates so that you receive the most current versions.
6. Do not open unknown email attachments. It is simply not enough that you may recognize the address from which it originates because many viruses can spread from a familiar address.
7. Do not run programs from unknown origins. Also, do not send these types of programs to friends and coworkers because they contain funny or amusing stories or jokes. They may contain a Trojans horse waiting to infect a computer.
8. Disable hidden filename extensions. By default, the Windows operating system is set to “hide file extensions for known file types”. Disable this option so that file extensions display in Windows. Some file extensions will, by default, continue to remain hidden, but you are more likely to see any unusual file extensions that do not belong.
9. Turn off your computer and disconnect from the network when not using the computer. A hacker can not attack your computer when you are disconnected from the network or the computer is off.
10. Consider making a boot disk on a floppy disk in case your computer is damaged or compromised by a malicious program. Obviously, you need to take this step before you experience a hostile breach of your system.
    
    

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