Showing posts with label Security. Show all posts
Showing posts with label Security. Show all posts

What is in Your Purse? Carry This and Do not Carry That

What is in Your Purse? Carry This and Do not Carry That

Your Purse is a personal item that you carry with you everywhere you go. It contains your most important financial information, as well as other personal documents. It’s important to be mindful of what you keep in your Purse, as it could be used to steal your identity or commit fraud.

Here are some things you should carry in your Purse:

  • ID: This is essential, as it proves who you are. Make sure you have a current driver’s license or state ID card.
  • Credit cards: You should have a few credit cards that you use regularly. Keep them in a secure pocket in your Purse, and do not carry more than you need.
  • Debit card: A debit card is a good way to access your bank account without carrying cash. However, you should only carry the debit card that you use most often.
  • Some cash: It’s always a good idea to have some cash on hand, just in case. However, you don’t need to carry a lot of cash. $20–30 should be enough.
  • Medical information: If you have any medical conditions, it’s a good idea to carry a card with your basic medical information. This could include your blood type, allergies, and any medications you take.
  • Emergency contacts: In case of an emergency, it’s important to have the contact information for your loved ones.

Here are some things you should not carry in your Purse:

  • Social Security card: Your Social Security card is a valuable piece of identification, and it should not be carried in your Purse. If you need to carry it with you, keep it in a secure place, such as a safe deposit box.
  • Birth certificate: Your birth certificate is another important document that should not be carried in your Purse. If you need to carry it with you, keep it in a secure place, such as a safe deposit box.
  • Pin numbers: Your PIN numbers should never be written down and kept in your Purse. If you need to write them down, keep them in a safe place, such as a password manager.
  • Expired cards: Expired credit cards, debit cards, and other forms of identification should be removed from your Purse. They are no longer valid, and they could be used by someone to commit fraud.
  • Keys to Your House If you carry keys to your house and your address is on your drivers license, criminals will have easy access to your house.

It’s also a good idea to keep your Purse in a secure place when you’re not using it. If you’re going to be out and about, try to keep your Purse strap around your neck and not just over your shoulder. And if you’re going to be out late at night, it’s a good idea to leave your Purse at home and take something smaller that’s was to keep secure.

By following these tips, you can help to keep your Purse safe and secure. And by only carrying the essentials, you can reduce your risk of identity theft or fraud.

Here are some additional tips for keeping your Purse safe:

  • Be aware of your surroundings. If you’re in a crowded place, be mindful of your Purse and keep it close to your body.
  • Don’t leave your Purse unattended. If you have to set your Purse down, make sure it’s in a safe place where no one can easily grab it.
  • Be careful when using ATMs. When you’re using an ATM, make sure to cover your PIN number with your hand so that no one can see it.
  • Report lost or stolen Purses immediately. If you lose or have your Purse stolen, report it to the police immediately. You should also contact your credit card companies and banks to cancel your cards.

What is in Your Wallet? Carry This and Do not Carry That

Your wallet is a personal item that you carry with you everywhere you go. It contains your most important financial information, as well as other personal documents. It’s important to be mindful of what you keep in your wallet, as it could be used to steal your identity or commit fraud.

Here are some things you should carry in your wallet:

  • ID: This is essential, as it proves who you are. Make sure you have a current driver’s license or state ID card.
  • Credit cards: You should have a few credit cards that you use regularly. Keep them in a secure pocket in your wallet, and do not carry more than you need.
  • Debit card: A debit card is a good way to access your bank account without carrying cash. However, you should only carry the debit card that you use most often.
  • Some cash: It’s always a good idea to have some cash on hand, just in case. However, you don’t need to carry a lot of cash. $20–30 should be enough.
  • Medical information: If you have any medical conditions, it’s a good idea to carry a card with your basic medical information. This could include your blood type, allergies, and any medications you take.
  • Emergency contacts: In case of an emergency, it’s important to have the contact information for your loved ones.

Here are some things you should not carry in your wallet:

  • Social Security card: Your Social Security card is a valuable piece of identification, and it should not be carried in your wallet. If you need to carry it with you, keep it in a secure place, such as a safe deposit box.
  • Birth certificate: Your birth certificate is another important document that should not be carried in your wallet. If you need to carry it with you, keep it in a secure place, such as a safe deposit box.
  • Pin numbers: Your PIN numbers should never be written down and kept in your wallet. If you need to write them down, keep them in a safe place, such as a password manager.
  • Expired cards: Expired credit cards, debit cards, and other forms of identification should be removed from your wallet. They are no longer valid, and they could be used by someone to commit fraud.
  • Keys to Your House If you carry keys to your house and your address is on your drivers license, criminals will have easy access to your house.

It’s also a good idea to keep your wallet in a secure place when you’re not using it. If you’re going to be out and about, try to keep your wallet in an inside pocket of your coat or purse. And if you’re going to be out late at night, it’s a good idea to leave your wallet at home.

By following these tips, you can help to keep your wallet safe and secure. And by only carrying the essentials, you can reduce your risk of identity theft or fraud.

Here are some additional tips for keeping your wallet safe:

  • Be aware of your surroundings. If you’re in a crowded place, be mindful of your wallet and keep it close to your body.
  • Don’t leave your wallet unattended. If you have to set your wallet down, make sure it’s in a safe place where no one can easily grab it.
  • Be careful when using ATMs. When you’re using an ATM, make sure to cover your PIN number with your hand so that no one can see it.
  • Report lost or stolen wallets immediately. If you lose or have your wallet stolen, report it to the police immediately. You should also contact your credit card companies and banks to cancel your cards.

Answer Phone Calls Only From People You Know, if Unsure Don't Answer

With the rise of spam calls and other scams, it’s more important than ever to be careful about who you answer your phone for. If you don’t recognize the number, don’t answer. It’s just not worth the risk.

Here are a few reasons why you should only answer phone calls from people you know:

  • Spam calls. These are calls from scammers who are trying to sell you something or trick you into giving them your personal information. They can be very convincing, and they often use caller ID spoofing to make it look like the call is coming from a legitimate number.
  • Phishing calls. These are calls from scammers who are trying to get you to reveal your personal information, such as your bank account number or credit card number. They may pose as a representative from your bank or credit card company, or they may claim to be from a government agency.
  • Telemarketing calls. These are calls from companies that are trying to sell you something. They can be very annoying, and they can often waste your time.

If you’re not sure whether or not to answer a call from an unknown number, you can do a few things to protect yourself:

  • Check the caller ID. If you see a number that you don’t recognize, you can do a quick Google search to see if it’s been reported as a spam or scam number.
  • Let the call go to voicemail. If you’re not sure whether or not to answer a call, you can let it go to voicemail. If it’s important, the caller will leave a message.
  • Use the “Do Not Disturb” feature. This feature will silence all incoming calls, except for calls from people on your contact list.

It’s also important to be aware of the signs of a scam call. These signs include:

  • The caller is asking for personal information. This could include your bank account number, credit card number, or Social Security number.
  • The caller is pressuring you to act quickly. They may say that you have to act now or you’ll lose out on a great deal.
  • The caller is making you feel scared or threatened. They may say that you’re in trouble with the law or that your account will be closed if you don’t cooperate.

If you think you’ve received a scam call, you should hang up immediately. You should also report the call to the Federal Trade Commission (FTC).

See Scam and Fraud Protection for 2023 for more information and make sure to Sign Up for our Scam Prevention Newsletter.

Install a Virtual Private Network (VPN) When Using Public Wi-Fi

Public Wi-Fi is convenient, but it can also be a security risk. When you connect to a public Wi-Fi network, your data is not encrypted, which means that anyone who is also connected to the network could potentially see what you’re doing online. This includes your passwords, credit card numbers, and other sensitive information.

A VPN can help protect your privacy and security when using public Wi-Fi. A VPN encrypts your data so that it cannot be read by anyone else on the network. This means that even if someone is trying to snoop on your traffic, they will only see gibberish.

In addition to protecting your privacy, a VPN can also help you access blocked websites and content. For example, if you’re traveling to a country with censorship, you can use a VPN to connect to a server in another country and bypass the censorship.

There are many different VPN providers available, so it’s important to choose one that is reputable and has a strong security track record. Some popular VPN providers include NordVPN, ExpressVPN, and Surfshark. You should do your own research before making your decision.

Once you’ve chosen a VPN provider, you can download the VPN app and install it on your device. Once the app is installed, you can connect to a VPN server and start browsing the web securely.

Here are some of the benefits of using a VPN when connecting to public Wi-Fi:

  • Protects your privacy: A VPN encrypts your data so that it cannot be read by anyone else on the network. This includes your passwords, credit card numbers, and other sensitive information.
  • Protects your security: A VPN can help protect you from cyberattacks, such as man-in-the-middle attacks.
  • Allows you to access blocked websites and content: A VPN can help you access websites and content that are blocked in your region.
  • Improves your online security: A VPN can help protect you from malware and other online threats.

If you’re concerned about your privacy and security when using public Wi-Fi, then I recommend using a VPN. A VPN is a simple way to protect your data and keep your online activities safe.

See Scam and Fraud Protection for 2023 for more information and make sure to Sign Up for our Scam Prevention Newsletter.

How to Setup Your Phone and Computer to Automatically Install Security Updates

Keeping your phone and computer up to date with the latest security updates is essential for protecting your devices from malware and other threats. However, it can be easy to forget to manually check for updates, especially if you’re busy or not tech-savvy.

That’s why it’s a good idea to set up your devices to automatically install updates. This way, you can be sure that your devices are always protected, without having to lift a finger.

How to Set Up Automatic Updates on Your Phone

The steps for setting up automatic updates on your phone will vary depending on the make and model of your device. However, the general process is similar for most phones.

Here are the basic steps for setting up automatic updates on an Android phone:

  1. Open the Settings app.
  2. Tap on System.
  3. Tap on Advanced.
  4. Tap on System update.
  5. Toggle the Automatic updates switch to On.

You can also choose to have your phone only install updates over Wi-Fi, which can help to save data.

Here are the basic steps for setting up automatic updates on an iPhone:

  1. Open the Settings app.
  2. Tap on General.
  3. Tap on Software Update.
  4. Toggle the Automatic updates switch to On.

You can also choose to have your iPhone only install updates over Wi-Fi, which can help to save data.

How to Set Up Automatic Updates on Your Computer

The steps for setting up automatic updates on your computer will also vary depending on the operating system you’re using.

Here are the basic steps for setting up automatic updates on a Windows computer:

  1. Open the Start menu.
  2. Type Windows Update and press Enter.
  3. Click on the Check for updates button.
  4. Click on the Change settings link.
  5. Under Automatic updates, select the Install updates automatically (recommended) option.

You can also choose to have your computer only install updates during certain times of the day or week.

Here are the basic steps for setting up automatic updates on a Mac computer:

  1. Click on the Apple menu.
  2. Select System Preferences.
  3. Click on Software Update.
  4. Click on the Advanced tab.
  5. Under Automatic Updates, select the Automatically keep my Mac up to date option.

You can also choose to have your Mac only install updates over Wi-Fi, which can help to save data.

Conclusion

Setting up automatic updates on your phone and computer is a simple way to protect your devices from malware and other threats. By following the steps in this article, you can be sure that your devices are always up to date with the latest security fixes.

Additional Tips

  • In addition to setting up automatic updates, you should also make sure to install security updates as soon as they are available. This is especially important if you use your devices for work or school.
  • You should also be aware of the security risks associated with using outdated software. Outdated software can be more vulnerable to malware attacks, so it’s important to keep your devices up to date.
  • If you have any questions about setting up automatic updates, you can consult the documentation for your phone or computer. You can also contact the manufacturer of your device for support.

Why You Should Update Your Phone Software as Soon as New Releases Are Available

Your phone’s software is constantly being updated with new features, security patches, and bug fixes. These updates are important for keeping your phone safe and secure, as well as improving its performance.

Here are some of the reasons why you should update your phone software as soon as new releases are available:

  • Security updates: Software updates often include security patches that fix vulnerabilities that could be exploited by hackers. By keeping your software up to date, you can help protect your phone from malware and other threats.
  • Bug fixes: Software updates can also fix bugs that can cause problems with your phone’s performance. For example, a bug in the latest version of Android caused some phones to experience battery drain. By updating your software, you can fix these problems and improve your phone’s performance.
  • New features: Software updates often include new features that can make your phone more useful. For example, the latest version of Android includes a new feature called “Smart Reply” that suggests responses to text messages. By updating your software, you can get access to these new features and make your phone more enjoyable to use.

How to Update Your Phone Software

To update your phone software, you’ll need to connect your phone to a Wi-Fi network. Then, follow these steps:

  1. Open your phone’s settings.
  2. Tap on “System” or “About Phone.”
  3. Tap on “Software Update.”
  4. If an update is available, tap on “Download and Install.”

Your phone will then download and install the update. This process may take a few minutes, so be patient. Once the update is complete, your phone will restart.

See Scam and Fraud Protection for 2023 for more information and make sure to Sign Up for our Scam Prevention Newsletter.

Why You Should Use a Different Strong Password for Each of Your Accounts

Your online accounts are your gateway to the digital world. They hold your personal information, financial data, and other sensitive information. If a hacker were to gain access to one of your accounts, they could use that information to steal your identity, commit fraud, or even take control of your finances.

One of the best ways to protect your online accounts is to use strong, unique passwords for each one. This means that if one of your accounts is compromised, the hacker won’t be able to use the same password to access your other accounts.

So what makes a strong password? Here are a few tips:

  • Make it long. The longer your password, the harder it will be for a hacker to guess. A good rule of thumb is to use at least 12 characters.
  • Use a variety of characters. Your password should include a mix of uppercase and lowercase letters, numbers, and symbols. This will make it even harder for a hacker to guess.
  • Don’t use personal information. Avoid using your name, birthday, or other personal information in your password. This information is often easy for hackers to find, making it easier for them to guess your password.
  • Don’t use the same password for multiple accounts. This is one of the most important tips. If you use the same password for multiple accounts, and one of those accounts is compromised, then all of your accounts are at risk.

There are a number of different ways to create and store strong, unique passwords. You can use a password manager, which is a software application that helps you generate and store passwords. You can also use a passphrase, which is a short phrase that is easy to remember but difficult to guess.

No matter how you choose to create your passwords, it is important to make sure that they are strong and unique. This is one of the best ways to protect your online accounts and your personal information.

Additional tips for creating strong passwords:

  • Avoid using dictionary words or common phrases. Hackers often use dictionaries or common phrases to try to guess passwords.
  • Use a mixture of upper and lowercase letters, numbers, and symbols. This will make your password more difficult to guess.
  • Don’t use anything that can be easily guessed from your personal information, such as your name, birthday, or address.
  • Change your passwords regularly. This will help to protect your accounts if one of your passwords is compromised.
  • Be careful about what information you share online. Hackers can use information that you share on social media or other websites to try to guess your passwords.


Use a Password on Your Computer to Protect Your Personal Data

Your computer contains a wealth of personal information, including your bank account numbers, credit card information, social security number, and other sensitive data. If someone were to gain unauthorized access to your computer, they could easily steal this information and use it to commit fraud or identity theft.

One of the best ways to protect your personal data is to use a password on your computer. A strong password will make it much more difficult for someone to guess or crack, and it will help to keep your information safe.

Here are some tips for creating a strong password:

  • Use a combination of upper and lowercase letters, numbers, and symbols.
  • Avoid using personal information, such as your name, birthday, or address.
  • Make your password at least 12 characters long.
  • Don’t use the same password for multiple accounts.

If you’re having trouble remembering your passwords, you can use a password manager. A password manager is a software application that stores your passwords in a secure location. You only need to remember one master password to access all of your other passwords.

In addition to using a password on your computer, there are other things you can do to protect your personal data. These include:

  • Keeping your operating system and software up to date.
  • Using a firewall to protect your computer from unauthorized access.
  • Being careful about what websites you visit and what links you click on.
  • Not opening attachments from unknown senders.

What is a Password Manager and Why Should I Use One?

A password manager is a software application that helps you store, generate, and manage your passwords. It does this by encrypting your passwords and storing them in a secure database. When you need to log in to a website or app, the password manager will automatically fill in your login credentials.

There are many reasons why you should use a password manager. First, it can help you create strong, unique passwords for all of your online accounts. This is important because using weak or reused passwords makes you more vulnerable to hacking. Second, a password manager can save you time and hassle. No longer do you have to remember dozens of different passwords. With a password manager, you can simply use one master password to access all of your accounts.

Third, a password manager can help you keep your passwords safe. The encryption used by password managers is very strong, and it is virtually impossible for hackers to break into your database. Additionally, many password managers offer two-factor authentication, which adds an extra layer of security to your accounts.

If you are serious about online security, then you should use a password manager. It is one of the best ways to protect your accounts from hackers.

Here are some of the benefits of using a password manager:

  • Strong passwords: Password managers can help you create strong, unique passwords for all of your online accounts. This is important because using weak or reused passwords makes you more vulnerable to hacking.
  • Convenience: Password managers can save you time and hassle. No longer do you have to remember dozens of different passwords. With a password manager, you can simply use one master password to access all of your accounts.
  • Security: Password managers use strong encryption to protect your passwords. This makes it very difficult for hackers to break into your database.
  • Portability: Many password managers offer mobile apps, so you can access your passwords on your phone or tablet.

Here are some of the things to consider when choosing a password manager:

  • Security: The most important factor to consider is the security of the password manager. Make sure that the password manager uses strong encryption and two-factor authentication.
  • Ease of use: The password manager should be easy to use. You should be able to easily create and manage your passwords.
  • Features: The password manager should have the features that you need. For example, you may want a password manager that can generate strong passwords, autofill your login credentials, and sync your passwords across devices.

Apple's Password Manger

Apple’s password manager is called iCloud Keychain. It is a free, built-in password manager that is available on all Apple devices. iCloud Keychain allows you to store, generate, and manage your passwords across all of your Apple devices. It also supports two-factor authentication, which adds an extra layer of security to your accounts.

To use iCloud Keychain, you need to have an Apple ID and turn on iCloud Keychain in your device’s settings. Once you have turned on iCloud Keychain, you can start storing your passwords. iCloud Keychain will automatically ask you to save your passwords when you create a new account or log in to an existing account.  On iOS devices like iPhones and iPads, you can find the stored passwords in settings under passwords.

Here are some other popular password managers:

  • 1Password
  • 1Password
  • LastPass
  • Dashlane
  • Keeper
  • Bitwarden

See Scam and Fraud Protection for 2023 for more information and make sure to Sign Up for our Scam Prevention Newsletter.


Crooks Are Stealing Your Checks to Commit Fraud

They may steal your checks from your mailbox, from your car, or even from your home. Once they have your checks, they can use them to write fraudulent checks, or they can sell them to other criminals.

There are a few things you can do to protect yourself from check fraud:

  • Shred your old checks. Don’t just throw them away in the trash. Shred them into small pieces so that they can’t be used by criminals.
  • Make sure your mailbox is secure. If your mailbox is easy to open, criminals may be able to steal your checks. Consider installing a locking mailbox or a security camera.
  • Don’t leave your checks in your car. If you have to leave your car, take your checks with you or lock them in the trunk.
  • Be careful who you give your checks to. Only give your checks to people you trust.
  • Check your bank statements regularly. This will help you to spot any unauthorized transactions.
  • Be aware of the signs of check fraud. These signs include:
    • Unauthorized transactions on your bank statement
    • Checks that have been altered
    • Checks that have been written for more money than you authorized

If you think that your checks have been stolen, you should contact your bank immediately. They will be able to help you to protect your account and to prevent any fraudulent transactions.

Here are some additional tips to help you stay safe from scams and fraud.

  • Don’t give out your personal information over the phone or online. This information can be used to open fraudulent accounts in your name.
  • Use strong passwords and keep them secure. Your passwords should be at least eight characters long and should include a combination of upper and lowercase letters, numbers, and symbols.
  • Be careful what information you share on social media. Criminals can use this information to target you for fraud.


You Should Restrict Your Phone Incoming Calls and Text to Your Contacts List to Avoid Scams

Scammers are always coming up with new ways to trick people out of their money. One of the most common ways is to call or text people from unknown numbers. These calls and texts often appear to be from legitimate businesses, such as the IRS or a credit card company. However, they are actually from scammers who are trying to steal your personal information or money.

There are a few things you can do to protect yourself from phone scams. One of the most important things is to restrict your phone incoming calls and text to your contacts list. This means that only people who are already in your contacts will be able to call or text you. This will help to prevent scammers from reaching you.

To restrict your phone incoming calls and text to your contacts list, you can follow these steps:

On your Android phone: 

  • Open the Settings app.
  • Tap Privacy & security.
  • Tap Spam & contact settings.
  • Tap Manage contact settings.
  • Turn on Only receive calls and texts from your phone contacts.
On your iPhone:
  • open the Settings app.
  • Tap Phone.
  • Tap Silence Unknown Callers.

This will not block all calls and texts from unknown numbers. However, it will block most of them, which will help to protect you from scams.

In addition to restricting your phone incoming calls and text to your contacts list, you should also be aware of other common phone scams. Here are a few tips to help you avoid them:

  • Never give out your personal information over the phone. This includes your Social Security number, credit card number, or bank account number.
  • Be suspicious of any calls or texts that ask you to pay with a gift card or wire transfer.These are common methods that scammers use to steal money.
  • If you are unsure whether a call or text is legitimate, hang up and call the company directly using the number on their website.

By following these tips, you can help to protect yourself from phone scams.

Here are some additional tips to help you avoid phone scams:

  • Be wary of calls or texts that come in on holidays or weekends. Scammers often target people when they are less likely to be suspicious.
  • If you receive a call or text from a number that you don’t recognize, don’t answer it. If it’s important, the caller will leave a voicemail.
  • If you do answer a call from an unknown number, don’t give out any personal information. Just say that you’re not interested and hang up.
  • If you receive a text message that asks you to click on a link, don’t do it. These links can often lead to malware or phishing websites.

By following these tips, you can help to protect yourself from phone scams.

See Scam and Fraud Protection for 2023 for more information and make sure to Sign Up for our Scam Prevention Newsletter.

Why You Need to Keep Your Passwords Safe and Secure

In today’s digital world, passwords are our first line of defense against cybercriminals. They protect our personal information, financial data, and online accounts from unauthorized access.

Unfortunately, many people still use weak or easily guessed passwords. This makes it easy for hackers to break into their accounts and steal their personal information.

In fact, according to a recent study by Verizon, 81% of data breaches are caused by weak or reused passwords.

So, why is it so important to keep your passwords safe and secure? Here are a few reasons:

  • To protect your personal information. Your passwords protect your personal information, such as your name, address, and Social Security number. If a hacker gets your password, they could use it to steal your identity and commit fraud.
  • To protect your financial data. Your passwords also protect your financial data, such as your bank account numbers and credit card numbers. If a hacker gets your password, they could use it to steal your money or make unauthorized purchases.
  • To protect your online accounts. Your passwords protect your online accounts, such as your email, social media, and shopping accounts. If a hacker gets your password, they could use it to take over your accounts and post embarrassing or harmful content.

How to keep your passwords safe and secure? Here are a few tips:

  • Use strong passwords. Your passwords should be at least 12 characters long and include a mix of uppercase and lowercase letters, numbers, and symbols.
  • Don’t reuse passwords. Never use the same password for multiple accounts. If one account is hacked, the hacker will then have access to all of your accounts.
  • Change your passwords regularly. You should change your passwords every few months, or more often if you think they have been compromised.
  • Use a password manager. A password manager is a software program that can help you create and store strong, unique passwords for all of your accounts.
  • Be careful about what information you share online. Don’t share your passwords with anyone, and be careful about what information you share on social media.

By following these tips, you can help keep your passwords safe and secure. This will help protect your personal information, financial data, and online accounts from unauthorized access.

Here are some additional tips for keeping your passwords safe and secure:

  • Avoid using dictionary words or common phrases. These are the first things that hackers will try when they are trying to crack a password.
  • Don’t use personal information in your passwords. This includes your name, birthday, or address.
  • Don’t use easily guessed patterns. For example, don’t use “123456” or “password.”
  • Don’t write your passwords down. If you must write them down, keep them in a safe place.
  • Be careful about what websites you enter your passwords on. Only enter your passwords on secure websites.
  • Use two-factor authentication whenever possible. This adds an extra layer of security to your accounts.

By following these tips, you can help keep your passwords safe and secure. This will help protect your personal information, financial data, and online accounts from unauthorized access.

Why You Need to Keep Your Passwords Safe and Secure

Add Your Phone Numbers to the Do Not Call Registry

Are you tired of getting unwanted telemarketing calls? If so, you’re not alone. Millions of people receive these calls every day, and they can be very annoying.

The good news is that there’s a way to stop them. You can add your phone numbers to the National Do Not Call Registry. This is a free service that prevents most telemarketers from calling you.

To add your phone numbers to the registry, you can either go online to DoNotCall.gov or call 1–888–382–1222. You’ll need to provide your name, address, and phone number(s).

Once you’ve registered, telemarketers are prohibited from calling you within 31 days. After that, they can only call you if they have your prior express consent.

There are a few exceptions to the Do Not Call Registry. For example, charities, political organizations, and debt collectors are still allowed to call you. However, they must identify themselves at the beginning of the call.

If you receive a telemarketing call after your number has been on the registry for 31 days, you can report it to the Federal Trade Commission (FTC). The FTC will investigate the complaint and take action if necessary.

Adding your phone numbers to the Do Not Call Registry is a simple way to reduce the number of unwanted telemarketing calls you receive. It’s free and easy to do, so there’s no reason not to do it.

Here are some additional tips for reducing unwanted telemarketing calls:

  • Don’t answer calls from numbers you don’t recognize.
  • If you do answer an unknown call, don’t give out any personal information.
  • Be suspicious of calls that ask for your credit card number or other sensitive information.
  • If you’re not sure if a call is legitimate, hang up and call the company back using the number on their website or in their advertising materials.

Here are some resources for more information:

  • National Do Not Call Registry: https://www.donotcall.gov/
  • Federal Trade Commission: https://www.ftc.gov/
  • Consumer Financial Protection Bureau: https://www.consumerfinance.gov/

Setup Notifications on All Your Credit Cards and Bank Accounts to Help Avoid Fraud and Theft

Fraud and theft are unfortunately a reality of modern life. But there are steps you can take to protect yourself, and one of the most important is to set up notifications on all your credit cards and bank accounts.

Notifications can help you to:

  • Detect fraudulent activity quickly. If your card is used for a purchase you didn’t make, you’ll be alerted right away. This will give you the opportunity to report the fraud to your bank and dispute the charge, minimizing the damage.
  • Stay on top of your spending. Notifications can help you to track your spending and make sure you don’t overspend. This can be especially helpful if you have multiple credit cards or bank accounts.
  • Receive important account information. Notifications can also alert you to important account information, such as when your bill is due or when your balance is low. This can help you to stay organized and avoid late fees or overdraft charges.

Setting up notifications is easy and can be done through your credit card issuer’s website or app, or through your bank’s website or app. The specific steps you’ll need to take will vary depending on your bank or credit card issuer, but they’ll typically be straightforward.

Here are some of the notifications you may want to consider setting up:

  • New transactions. This will alert you every time a new transaction is made on your card or account.
  • Large purchases. This will alert you if a purchase is made over a certain amount.
  • Transactions in a foreign country. This will alert you if your card is used in a country you didn’t travel to.
  • Low balance alerts. This will alert you when your balance falls below a certain amount.

You can also set up notifications to be sent via email, text message, or push notification. The best way to receive notifications will depend on your personal preferences.

Setting up notifications is a simple way to help protect yourself from fraud and theft. It’s just one of many steps you can take to safeguard your finances.

Here are some additional tips for protecting your finances from fraud and theft:

  • Review your credit card statements and bank account activity regularly. This will help you to spot any unauthorized transactions.
  • Use strong passwords and PINs. Don’t use the same password for multiple accounts.
  • Be careful about what information you share online. Don’t give out your personal information, such as your Social Security number or your credit card number, unless you’re sure the website is legitimate.
  • Be aware of phishing scams. Phishing scams are emails or text messages that appear to be from a legitimate company, but are actually designed to steal your personal information.

By following these tips, you can help to protect yourself from fraud and theft. And by setting up notifications on your credit cards and bank accounts, you can take an extra step to safeguard your finances.

See Scam and Fraud Protection for 2023 for more information and make sure to Sign Up for our Scam Prevention Newsletter.

Why You Should Update Your Computer Software When New Releases Are Available

Your computer software is constantly being updated with new features, security patches, and bug fixes. These updates are important for keeping your computer running smoothly and securely.

Here are some of the reasons why you should update your computer software when new releases are available:

  • Security: Software updates often include security patches that fix vulnerabilities that could be exploited by hackers. By keeping your software up to date, you can help to protect your computer from malware and other security threats.
  • Performance: Software updates can also improve the performance of your computer. For example, they may include code optimizations that make your programs run faster or more efficiently.
  • Features: New software releases often include new features that can make your computer more useful. For example, a new version of your web browser might include a built-in ad blocker or a new security feature.
  • Compatibility: Software updates can also help to ensure that your programs are compatible with newer versions of Windows or macOS. If you don’t update your software, you may run into compatibility issues that prevent you from using your programs.

How to Update Your Computer Software

Most software will automatically check for updates and install them when they are available. However, you can also manually check for updates by following these steps:

  • Windows: Open the Settings app and go to Update & Security > Windows Update. Click Check for updates.
  • macOS: Click the Apple menu and select System Preferences. Click Software Update.

How to Stay Up to Date with Software Updates

There are a few ways to stay up to date with software updates:

  • Set your computer to automatically check for updates. This is the easiest way to make sure that you always have the latest updates installed.
  • Subscribe to the software publisher’s newsletter or blog. This will give you notifications when new updates are released.
  • Check the software publisher’s website regularly. This is a good way to find out about new updates that have been released, even if your computer isn’t automatically checking for them.

Why You Should Require a Passcode, Biometric Fingerprint, or Face ID on Your Phone

Your smartphone is a valuable device that contains a wealth of personal information. It’s important to take steps to protect your phone from unauthorized access, and one of the best ways to do that is to require a passcode, biometric fingerprint, or Face ID.

What is a passcode?

A passcode is a short sequence of numbers or letters that you enter to unlock your phone. It’s important to choose a strong passcode that is difficult to guess. Some tips for creating a strong passcode include:

  • Using a combination of numbers, letters, and symbols if you can.
  • Avoiding using personal information that is easily guessed, such as your birthday or your address.
  • Changing your passcode regularly.
  • How to change your passcode on and iPhone

What is biometric authentication?

Biometric authentication uses your physical characteristics, such as your fingerprint or face, to identify you. This is a more secure way to unlock your phone than a passcode, because it’s much harder for someone to steal your fingerprint or face than it is to guess your passcode.

Why should you require a passcode, biometric fingerprint, or Face ID?

There are several reasons why you should require a passcode, biometric fingerprint, or Face ID on your phone:

  • To protect your personal information. Your phone contains a wealth of personal information, including your contacts, email, photos, and financial information. If your phone is lost or stolen, anyone who finds it could access this information if it’s not protected by a passcode or biometric authentication.
  • To prevent unauthorized access to your apps. Many apps require a passcode or biometric authentication to access them. This helps to prevent someone from accessing your apps without your permission.
  • To protect your phone from malware. Malware can be used to steal your personal information or lock your phone. A passcode or biometric authentication can help to protect your phone from malware.

How to set up a passcode or biometric authentication

To set up a passcode or biometric authentication on your phone, follow these steps:

  1. Go to your phone’s settings.
  2. Tap on “Security” or “Biometrics & security.”
  3. Tap on “Screen lock” or “Face ID & passcode.”
  4. Enter your current passcode, if you have one.
  5. Tap on “Set passcode” or “Add a fingerprint or Face ID.”
  6. Follow the on-screen instructions to create a passcode or set up biometric authentication.

Additional tips for protecting your phone

  • Keep your phone’s software up to date. Software updates often include security patches that can help to protect your phone from malware.
  • Be careful about what apps you download. Only download apps from trusted sources, and be sure to read the app’s permissions before you install it.
  • Use a VPN when you’re connected to public Wi-Fi. A VPN can help to protect your privacy and security when you’re using public Wi-Fi.
  • Be careful about what information you share online. Don’t share your personal information, such as your Social Security number or your home address, online unless you absolutely need to.

Setup a Family Authentication Password to Help Prevent Phone Scams

Phone scams are a growing problem, and they can be very costly for victims. One way to protect yourself and your family from phone scams is to set up a family authentication password.

A family authentication password is a secret word that only you and your family members know. If you receive a phone where the call may be using Voice AI Emulating a Voice You Know or maybe using something like a Grandparents Wire Transfer Scam, you can use your family authentication password to confirm it is in fact the family member calling your or they are truly in trouble. If they don’t know the password, you can be sure that the caller is not legitimate.

Setting up a family authentication password is easy. Just choose a word or phrase that is easy for you and your family to remember, but difficult for someone else to guess. You can write the password down and keep it in a safe place, or you can memorize it.

Once you have set up a family authentication password, make sure that everyone in your family knows it. You should also teach your family members about phone scams and how to spot them.

Here are some tips for spotting phone scams:

  • The caller will often be very aggressive and demanding.
  • The caller may claim that you have unpaid bills or that your account has been compromised.
  • The caller may ask for your personal information, such as your Social Security number or credit card number.
  • The caller may ask you to make a payment immediately.

If you receive a phone call that seems suspicious, hang up the phone and do not give out any personal information. You can quickly call the family member in question and really see if they were in trouble.

Here are some additional tips for preventing phone scams:

  • Never give out personal information over the phone, unless you are sure that the caller is legitimate.
  • Be wary of calls that come out of the blue. If you don’t recognize the caller, don’t answer the phone.
  • If you do answer a suspicious call, don’t be afraid to hang up.
  • If you think you have been scammed, report it to the Federal Trade Commission (FTC). You can do so online at ftc.gov/complaint or by calling 1–877-FTC-HELP.

Unfreeze Your Credit on Equifax, Experian and TransUnion

Unfreeze Your Credit Online

  • Go to the website of the credit bureau you want to unfreeze your credit with.
  • Log in to your account.
  • Follow the instructions to unfreeze your credit.
  • You will need to enter your PIN or password.

How to Unfreeze Your Credit by Phone

  • Call the credit bureau’s customer service number.
  • Provide the customer service representative with your name, address, Social Security number, and date of birth.
  • The customer service representative will walk you through the process of unfreezing your credit.

How to Unfreeze Your Credit by Mail

  • Download the credit unfreeze form from the credit bureau’s website.
  • Complete the form and mail it to the credit bureau’s address.
  • You will need to provide the same information that you would provide if you were unfreezing your credit online or by phone.

Freeze Your Credit on Equifax, Experian and TransUnion

Freeze Your Credit on Equifax, Experian and TransUnion

A credit freeze is a free service that you can use to restrict access to your credit report. This can help protect you from identity theft, as it makes it more difficult for someone to open new accounts in your name. Freezing your credit is a simple way to protect yourself from identity theft. It is a free service that you can use at any time. If you are concerned about your identity, I recommend that you freeze your credit.

To freeze your credit, you need to contact each of the three major credit bureaus: Equifax, Experian, and TransUnion. You can do this online, by phone, or by mail.

How to Freeze Your Credit Online

  • Go to the website of the credit bureau you want to freeze your credit with.
  • Create an account or log in to your existing account.
  • Follow the instructions to place a credit freeze.
  • You will need to provide your name, address, Social Security number, and date of birth.
  • You may also be asked to create a PIN or password.

How to Freeze Your Credit by Phone

  • Call the credit bureau’s customer service number.
  • Provide the customer service representative with your name, address, Social Security number, and date of birth.
  • The customer service representative will walk you through the process of placing a credit freeze.

How to Freeze Your Credit by Mail

  • Download the credit freeze form from the credit bureau’s website.
  • Complete the form and mail it to the credit bureau’s address.
  • You will need to provide the same information that you would provide if you were freezing your credit online or by phone.

How to Unfreeze Your Credit

To unfreeze your credit, you need to contact each of the three major credit bureaus. You can do this online, by phone, or by mail.

Tips for Freezing Your Credit

  • Keep a record of the PIN or password you create for each credit bureau.
  • Unfreeze your credit before you apply for a new loan or credit card.
  • Refreeze your credit after you have completed your application.
  • Be aware that some creditors may not be able to access your credit report if it is frozen.

Contact information for the three credit bureaus:

    • Experian: 888-EXPERIAN (888–397–3742)
    • TransUnion: 800–680–7289
    • Equifax: 800–525–6285