It’s Saturday afternoon. You’re sitting in the big easy chair with a nice cold glass of lemonade watching the Red Sox pound the Yankees into submission. Suddenly the door bell rings and when you answer, there is a fellow there who claims he’s from Ford and he needs you keys to your car so he can take it back to the Service Department for some mandatory upgrades. You don’t know this man from Adam.
Do you:
A. Hand over your keys and continue to watch A-Rod drop ground balls?
B. Ask for his ID and when he hands you his fake one, hand him your keys?
C. Tell him to go take a long walk on a short pier, and drive yourself down to Ford on Monday?
The answer is C of course. You wouldn’t give anyone the keys to your only means of transportation without having some sort of proof of who he says he is. Similarly you shouldn’t give out personal or financial information to anyone online without some kind of indication that it is safe to do so. I touched on online safety a few articles back, but thought it important enough to revisit due to some “fake alerts” some of my customers have experienced recently.
There are a lot of scammers out there, so its always a good idea to “look before you leap.” Before going to ANY website, you of course want to make certain the website is safe to visit. If your firewall or anti-virus software gives you any kind of warning before visiting a website, its probably a good idea to think twice and even three times before continuing on to the site. Your anti-virus software has lists of websites that have been reported as “attack sites” which can potentially damage your computer. Its always safe to stay away from these sites.
You may come across a site and get a warning that flashes across your screen that says something along the lines of “WARNING, WARNING – You’re computer may be infected!!! Please call this number RIGHT AWAY to remove viruses from your device.” If you call the number and give them access to your computer you may end up with more trouble that with what you started with. DO NOT CALL these people. Just like the Ford guy you don’t know these people from a hole in the wall.
Once again, be safe on social media. Make certain your privacy settings are set as high as possible. Do not accept friend requests from people you don’t know. Do not accept app or game invites if you don’t know who they are coming from or what the game is all about. Remember that once you post on Facebook, Twitter or Tumblr it is there forever. Forget about the NSA looking at your Snapchat messages. They really don’t care about how many Instagram followers you have. What you should be worrying about is who is trying to get into your information by utilizing social media.
A good rule of thumb for posting on social media: Don’t post it if you wouldn’t want your boss or worse yet, your mom, reading what you posted. Because they can, and do (Hi, Mom!), and will. Don’t put your vacation plans on Facebook or any of the social media sites. You never know who is poking around looking to see whose house is going to be empty during spring break. Post your pictures from Cancun AFTER you get back.
As always, DO NOT give out your PIN, passwords, routing number or checking/savings/credit card information to just anyone. Nobody at Apple, your bank, or credit card company can see your password or PIN. Your bank already knows what your routing and account numbers are.
You also may receive an email with an official looking logo from your bank or other financial institution asking you to verify your Social Security number, your PIN, or other sensitive information. This is known as “phishing.” Unlike the great band Phish from right here in Vermont, these “phishers” will not give you music. Remember your financial institution ALREADY knows this information.
Go on the Chase, Wells Fargo or Bank of America websites, “right-click” (AKA control-click) on any one of their logos and witness just how easy it would be for anyone to insert their logos into an email. Remember this when you get an e-mail that purports to be from your bank.
Ask questions, verify and take a moment before you give any of this information away, it could save you a world of trouble down the road.
Woof, woof (Be careful out there!)