This was sent to me via the Trustmartk Bank and thought it was worth passing this on as I believe it to be good advice to secure your online shopping experience.
Tips for Safe Online Shopping
There is good news and bad news for consumers that shop online or use a retailer’s custom mobile application.
The good news is there are plenty of available bargains online and through a retailer’s mobile app. Shopping has never been easier or more convenient. In fact, consumers are spending more than two hours per day on mobile apps.
The bad news is shopping online or with a mobile device has risks. Unscrupulous people attempt to take advantage of unwary shoppers. In the virtual world, it can be difficult to distinguish reputable retailers from criminals. Thieves can easily set up a fraudulent website or mobile app that appears to be a legitimate business and attempt to swindle you out of your sign-in credentials or credit card information.
Shopping online and via mobile apps requires special precautions:
Use familiar websites and only download apps from trusted enterprise app stores.
Use strong passwords. A complex password can be the best security defense you have.
Use a good anti-virus and anti-malware program. It is critical that online shoppers secure their devices from viruses and other attacks.
Share payment information only with known or reputable vendors.
Use a credit card instead of a debit card. Credit cards can be the safer choice for online shopping—if someone manages to intercept your financial information online, they can do less damage, and you have more recourse than if you’d used a debit card.
Make sure the order checkout area is encrypted. Make sure the vendor uses SSL (secure socket layers) technology to encrypt information. Look for the URL that begins with “https:”; instead of “http:”.
Print or save a copy of your orders and keep it until you receive your product and verify the transaction on your monthly statement.
Buyer beware. If the offer looks too good to be true, it probably is.
Approaching online shopping with a little bit of skepticism can enable consumers to reap the benefits of convenience while limiting the exposure to security threats.
Safe Online and Mobile Banking
Online and mobile banking are very convenient, but they can create risks if not managed carefully. While your bank employs the highest security measures to keep your account safe, you must protect your devices, passwords, and personal details when using online and mobile banking platforms.
The following tips may help you protect and safeguard your information:
- Never disclose passwords or other personal information in response to an email, phone call or letter purporting to be from Trustmark or another financial institution. Banks will never request this information.
- Always use a secure internet connection to connect to your bank. Look for ‘HTTPS’ at the beginning of the address and the padlock symbol in the browser frame.
- When banking from your desktop, type your bank’s website address into your browser instead of following a link or a bookmark, as they can be compromised.
- When using a mobile banking app, make sure you connect over a secure network rather than a public Wi-Fi hotspot. You can also disable the Wi-Fi and switch to a cellular network. It’s always best to use the mobile banking app sanctioned by your bank.
- Use strong passwords and PINs; use a different password and PIN for each website.
- Ensure you have effective and updated antivirus/antispyware software and firewall running before you log in to your bank account.
- Do not reveal your passwords or PINs to anyone else or write them down.
- If you notice any unusual transactions in your statement, report them immediately.
- Cancel paper statements as they are easily intercepted and read. Instead, opt-in for e-statements and/or register for mobile alerts.
These are wise words from Steve Harvey with humour thrown in. Most of us have jumped and got hurt but we need to keep doing it cause success will be just around the corner. If you don’t then nothing will change.
This was sent to me by a my friend Rebecca, Thanks Becca needed a reminder.
This tip is not about saving money it is a tip to help keep your children safe.
I read this tip today and thought what a great idea it is and am passing it on to you.
And the tip is:- Agree on a code word that your children know. If someone comes to pick them up but does not know the code word they should not go with them.