Your Home Computer Will Be Safe and Secured If You Follow These Steps

As a home computer user, you need to make sure that your computer is safe from any form of malicious online attack, including hacking. You might have important data including any identification in your computer which intruders can have access to. It is therefore very important for you to find out just how safe your computer is from these potential attacks.

Primarily, intruders target home computer users because:

(1) Home computer users typically don’t have security measures installed on them, which makes them easy targets. and

(2) They often have valuable information, such as credit card information stored which is enough to entice these intruders.

In addition, you have to know what types of attack to expect. Opening an unknown, seemingly innocent email or clicking on an ad-banner will sometimes put you at unwanted risk and open the door for intruders. Once they are in, they’re sometimes hard to get rid of, so your home computer security should start with you being careful about the things you do while connected to the Internet.

Besides being careful about which emails to open or not, and which ad-banners to click to or not, you should also be careful about sending valuable information over the Internet. Such information can be interception by a third party. It would be better to transmit really important information the old-fashioned way, unless you are very much confident in your security measures.

Next would be putting security measures on your computer. If your operating system is Microsoft Windows, Apple OS or LINUX you can get a free security updates and malicious software removal tools every month, which would be extremely helpful to you. There are monthly updates because the intruders always try to find a way to get around these security measures on regular basis.

After getting the free security updates of your operating system, you would need to get an anti-virus program, preferably one that has the greatest number of virus definitions you might need to purchase this. Viruses, aside from causing chaos to your computer, can also be used to retrieve information from you and spread out to attack other computers. By obtaining a high-quality anti-virus program, viruses would not be as much of a problem.

Since intruders are aware of the capabilities of anti-virus programs, they sometimes choose to use spyware, which are little bits of data that can be either potentially dangerous or annoying. It slows down your computer processes, and can retrieve data from you. To combat this, there are anti-spyware programs available, both for free -freeware and through purchase.

The final security measure is a firewall. Normally, anti-virus programs offer firewalls, so acquiring one should not be much of a problem. A firewall acts like a security guard and disallows outright entry to anything trying to access your computer even if it is a program, without asking for your confirmation.

Computer intruders and viruses should not be taken lightly at all, It would therefore be important for you to know the types of computer viruses [http://your-computer-safety.blogspot.com] available, in order to better protect yourself from them.

Make The Web A Safe And Secure Place

Every person utilizing a computer system has at one time or another has lost a critical report or records which may well have been prevented if an online storage system had been implemented. Taking gain of the many expert services on line that are usually readily available for data back-up is almost a requirement these days in case you accomplish any kind of style of important work, or simply like to promote your information a lot, on your own personal computer.

Aside from price, which in fact could alter significantly when it comes to online storage businesses, there are generally a small amount of alternative points that should be thought about well before you purchase. Protection would have to be the number one characteristic that is going to be viewed at for ones own storage needs. Aside from that then of course is the region offered for the cost, and then exactly how owner friendly the program is. As a final point, help to make certain that in reviewing the capabilities you possess a customer assistance center or at least accessibility to help as soon as you want it.

Now permit us speak concerning the distinct capabilities which will be accessible for a vital file backup system to your own personal computer’s data. Given that it is all on line then check that you can easily use it utilizing remote access. This process may look much like a hilarious feature however several storage agencies for wellbeing purposes may well exclusively enable you accessibility at one computer.

How many instances have anyone heard the defense that somebody misplaced their cell phone and consequently all of their own phone details? By using an online storage for your own cell equipment this unique difficulty will not be an concern once again. Back up not just your personal computer but the programs on your current cellular cellular phone as well.

Individual and general public data file sharing will be one vital feature of online storage as well. Visualize your own laptop or computer as if it were on a public server. An individual can specify just what anyone would make it easy for people to look at while yet still having the well-being and security of maintaining your personal items, well, private. The following will certainly make it a lot simpler for undertakings that need more than one individual working and sharing facts located in a record.

If there is actually one problem which desktop computer owners are well-known with regard to, especially those individuals that object pertaining to absent or deleted files, will be that these people were pretty much about prepared to back up their system. With an online storage facility there are scheduled backups to your own information which you do not have to actively play a part in. Let the back up system run the job that is extremely beneficial along with lost concerning most regularly.

Hinging upon your technical expertise ability there actually will be a lot of online companies which make backing up your system unbelievably operator friendly. As if backing up the actual application on a schedule has been not adequate to ensure your own computer data are protected acquiring accessibility to the information is yet another personal issue. Almost all of these firms provide user friendly expertise in searching for your own kept files and on that note check for drag and drop characteristics relating to ease of utilization.

Mutual Funds – A Safe And Secure Way of Investment

Investment Funds offer a different kind of saving for investors in the long run but before you invest in any scheme you need to know the risks associated with them. All mutual funds depend on the stock market. Their value is decided by the fluctuations in stock prices. When you think about safe investments, the first thing that crosses your mind are the risks and returns from your investment. No matter what kind of investment you make, they are linked with certain risks. Investors need to keep an eye on the risks in a fast changing economy to manage their investments. While no investment is foolproof, you can study the market and assure yourself of a reasonable return, on the investment. While calculating the safety of any mutual fund, the investors need to think about the stability of the market.

Investments made during any financial crises or even when the economy is on a downside are never safe. You just cannot expect good returns from them. If the banks are facing a ‘cash shortage’ or if the overall financial position of the markets is unstable, no investment will be safe. Amongst all available investments opportunities, mutual funds are the safest bet. Gold funds are among the safest investments as they remain stable even when the markets are shaky.

With the arrival of the internet and advances in online banking and payments, people can invest online from the comfort of their homes and offices. With so many types of investments to consider, you need to at first plan where and how to invest. The risk factors for any investment differ as per the types of investments and current market trends.

For the long run, mutual funds tend to be a safer kind of investment wherein the investors need to take lesser risks. Locating the safest and stable investments is easy as there a number of websites that offer tips and advice on where to invest. Some websites even rate mutual funds and provide a calculator which helps you arrive at the ideal amount to invest. Tax-saving funds help investors to save tax. Debt mutual funds ensure lower risks as they provide a stable income for the investors.

The period of your investment is directly proportional to the risk of receiving returns. Balanced funds, a combination of equity and debt funds offer investor the opportunity of investing in equities as well as fixed income securities, while protecting them from the inherent risks of stock price fluctuations. Not a single investment is 100% safe but it is possible to compare all of them and find out the safest ones.

Ten Checkpoints for Safe and Secure Online Shopping

Here are ten checkpoints that online shoppers can use to decide whether a particular online merchant is legitimate and a safe place to buy from.

  1. Check whether the postal or street address or phone number is easy to find on the home page.

    Businesses that fail to list a contact address on their home page may have a good reason for not doing so. But its hard to think what that reason might be. Certainly any business that is serious about offering after sales service and/or support to its customers will publish its contact details, including a phone number, in a prominent location.

  2. Look at the About Us, Contact Us, and Delivery pages.

    A reputable online merchant will usually have these three specific pages on its website. The About Us page typically details further information on the identity of the merchant, such as information about the owners of the business. The About Us page will also often provide a short history of the business. Many companies will display their official business name and registration number on the About Us page.

    Information on delivery, including details of carriers used to ship orders, and how long it will take to deliver, are standard features of a reputable online site. So too is a Contact us page providing full postal and street address, as well as phone and email details.

  3. Check the registered business details with a relevant government agency.

    Government agencies that register and monitor businesses can sometimes be a good source of background information. That’s because most countries require a business to be registered for tax purposes.

    However in many countries there are different types of business, such as those which are incorporated ( i.e. companies) and those which are not.

    So searching for information about a business can be difficult if you don’t know what type of registration is involved.

    In Australia searching is relatively easy because every business is require to have an Australian Business Number (ABN) or Australian Company Number (ACN).

    Both can be searched online. A good place to start is the Australian Securities and Investments Commission (ASIC) website.

  4. Look up whois information for the domain name.

    A free Internet service known as WHOIS provides details on the domain name license-holder. For top level global domain names ( i.e. the ones that mostly end in dot.com or dot.net) the service is available at Internic.

    For Australian (i.e. dot.com.au) domain names the WHOIS service is provided by a company called Ausregistry.

  5. Privacy Policy or Statement

    In many countries it is a legal requirement that a business protects the personal and private information of their customers. Or at least there are restrictions on what a business can do with that information. A Privacy Policy or statement will usually indicate whether the business plans to share your private information.

  6. Security

    Many online businesses secure their order or payment page with an encryption certificate. This ensures that the data in your online order or payment is encrypted as it travels across the Internet. You can always tell whether a certificate has been installed because the web page address will start with https instead of just http.

    Some online shops may also display a security seal or symbol. Sometimes known as a trust mark, the seal is a readily visible indicator that the site has passed or completed an audit or assessment from a specialist security group or company. It gives online shoppers added assurance that the site is a secure place to shop and do business. The government-backed Better Business Bureau in the US, for example, operates a trust-mark program.

  7. Payment

    Online businesses should tell you how they are going to process your payment and, particularly in the case of credit-card backed transactions, tell you what business name will appear on your statement. Where credit-card details are collected by the business, they should be protected by up-to-date security, storage and handling processes such as those outlined in the Payment Card Industry – Data Security Standard (PCIDSS) standard. For more information on the standard go to http://www.pcisecuritystandards.org

  8. Refunds

    For physical goods, i.e. those being delivered by a freight or courier company, there should be a clear statement of the circumstances under which you can return goods, and who will pay for the return freight.

  9. Help

    Whether it is there primarily to help you locate information about the business, or whether to help you figure out how a web-site works, there should be a Help page, often known as an FAQ page (Frequently Asked Questions)

  10. Government resources

    There are a number of federal and state government agencies that help monitor online and Internet businesses. Some have web-sites and or publications that help educate consumers about shopping safely online. Others provide complaint services.

    In the US the Federal Trade Commission is a key agency, whilst down-under specialist government services include the Australian Competition and Consumer Commmission’s Scamwatch and ASIC’s Moneysmart.

Safe and Secure Online Shopping

As more consumers buy online to beat the credit crunch, shoppers should follow this ten point guide to ensure they have a safe and secure shopping experience.

Research show that the credit crunch is giving rise to more and more consumers who are using online shopping sites for discounts on their shopping. As more shoppers go online, security becomes an increasingly important issue. Here’s a valuable ten point security guide to help shoppers have a safe and secure shopping experience

Statistics show that growth and confidence in online shopping is growing rapidly, which is thought to be synonymous with the fact that many consumers have never been hit by an attack, simply because they’ve been lucky and not because they’ve been more aware of the threats of using online stores. As consumer confidence in the safety of online shopping rides high, experts warn that users and online retailers need to be alert to threats as criminals become more intelligent and their methods more sophisticated.

Ten point guide to use when shopping online:

1. Ensure a site is secure before making a purchase

You can tell a site is secure using several methods. Please note that not all symbols and methods need to be applicable or present to designate a secure site:

Look at the top of your screen where the web site address is displayed. Here you should see https:// and not http:// – note the added s at the end of http.

This “s” denotes that the web site is secure.

Often, you will not see the https:// until you actually move to the payment page on the web site.

A closed (locked) padlock at the bottom or top of your internet browser is also another way of determining if the site is secure.

If the lock is open then you should assume the site is not secure.

The final symbol to look out for is a symbol of a key.

An unbroken key designates a secure site.

When a site is secure the information that is transmitted between you and the merchant is encrypted to prevent hackers from snooping on vital information.

2. Check Digital Certificates

Where possible, only use a website with an approved SSL (Secure Socket Layer) digital certificate. A site with a good digital certificate will provide assurance for Internet security and enable the strongest SSL encryption available to every site visitor.

Digital certificates are often recognised by a symbol emblazoned on the page when you make payment you can click on this logo for more details of the certificate and to verify its authenticity.

There are many big names that issue digital certificates, including Verisign, Thawte, GeoTrust and more.

3. Check Payment Methods

Some websites may not accept some credit / debit cards. In these instances it is best to avoid these websites and to find another one offering similar services / products.

When it comes to paying for products and services online, using credit cards is one of the safest means as your card company are on the lookout for fraudsters and you will probably be insured against losing any money if you are scammed. Avoid all websites that ask for money transfers through MoneyGram or BACs transfers.

4. Secure Your PC

Secure your PC with the latest browser version and good anti-virus and anti-spyware software.

Not only this, but make sure that the automatic updates settings is enabled, so you have the latest protection against the latest attacks.

Always check you are using the latest browser version as the newest browsers will have updated security checks to thwart attacks and alert you when a site is in-secure.

There are also many free anti-virus and anti-spyware solutions available to consumers.

Have a look at AVG Anti Virus and Microsoft Security Essentials – they’re both free and provide good protection for your computer.

A personal firewall is also highly recommended and can prevent unauthorised access to your machine. If you have a broadband router or modem then it’s highly likely that you already have firewall built-in to the router / modem. Check the manual and confirm that this is enabled.

Windows 7 and some other operating systems also come preinstalled with a firewall so again ensure that this is enabled.

5. Use a Low Limit Credit Card

The safest way to pay online is by credit card as they come with additional protection and limited liability as mentioned in point 3. When using a credit card it is advisable to use a low limit card purposely for making transactions online to minimise the damage someone can do if that card is compromised. Debit cards are a different ball game as they are more like cash transaction in that when they are used cash is deducted almost instantly. If you use a debit card then have an account with a small balance for online transactions.

6. Check Your Credit Report and Credit Card Bills

This may sound obvious but pay close attention to your credit report as well as your credit card bills. If your identity is stolen and you don’t complain immediately, you may affect your chances of being protected and stopping further transactions. Check your statements for purchases you didn’t make or that look unfamiliar and follow them up.

7. Do your research

Only shop with an online store that you trust, and are confident with.

Carry out a few background checks on the business by;

  • check out the seller’s reputation – Office for Standard Trading is good for this
  • look for feedback or comments from customers
  • perform a few web searches on Google and see what comes up
  • give the store a call and talk to someone on the other side to vet the authenticity of the business.

If anything looks out of place don’t be afraid to ask questions or look somewhere else.

8. Keep Records

Make a note of all confirmation numbers and order numbers.

Retain the following records for all online shopping transactions:

  • A printout of the web pages indicating the seller’s name, postal address, and telephone number;
  • A printout of the web pages describing the item(s) ordered
  • A printout of the web pages or pop-up screens that provide the seller’s legal terms
  • Printouts of any e-mail messages (for example, confirmation messages) that you send to or receive from the seller. This includes:
  • Those that might show that the seller indicated that the product would be suitable for the specific purpose for which you needed it
  • Those in which you notify the seller of problems with the merchandise that you have received
  • Those that would show your good faith attempt to resolve with the merchant a charge that you do not feel should have been made to your credit card.
  • Notes or e-mail confirmations of any telephone conversations that you have with the seller.
  • Make sure all records are dated

9. Be Wary of Emails and Phishing Sites

Be cautious of all e-mails that ask for personal information, even if the email takes you to a website that looks like the business you’re dealing with, it’s very easy to make a website look genuine by copying the HTML code.

Legitimate businesses don’t send e-mails claiming problems with an order or an account or ask for user name and password information. If you’re concerned then call the contact number on the Web site where you made the purchase to ask if there was a problem with your transaction. Always questioning any email correspondence that comes out of the blue asking for financial information. If in doubt make a telephone call to the company to put your mind at rest.

10. Take Your Time.

Always take your time and be in the best frame of mind when sending personal details online. Do not hurry through a transaction and be completely aware of the item you are purchasing, where you’re purchasing it from and how you’re purchasing.

Be attentive to all messages and warnings properly and don’t just click on OK.

The trend for online shopping is only set to increase and become a greater part of our everyday lives therefore its crucial for consumers to be e-wise with the possible threats of online shopping in order to make their experience more rewarding.