Holiday Shopping Safety

Tis the Season…to learn about Holiday Shopping Safety!

Scammers love this time of year, because there are many opportunities for them to separate you from your money. To be a smarter and safer consumer, you need to educate yourself, so you can avoid falling victim. Here are holiday shopping safety tips to help keep your holidays merry.

Holiday Shopping Safety

Spam Phishing Emails will be finding their way into your inbox. These emails have urgent messages or will contain offers for bargain prices or discount coupons. These spam emails will always include a clickable link or an attachment to open. If you click on the provided link or attachment, you will infect your device with Malware. It is advisable to never click on email links or attachments.

Package Delivery Scams are a Fraudster’s favorite trick. They know that most of you are either sending or expecting to receive a package during the holidays. Many millions of spam emails, pretending to be from known shippers (like the Post Office, FedEx or UPS) will be sent out to unsuspecting victims. The emails will include a link to click on that lets you “track” a problem with a package you recently mailed or “track” a package that’s on its way to your house.

E-cards are a fun, easy & inexpensive way to send holiday cheer to family and friends. Make sure any e-card you receive comes from a well-known reputable e-card company. Do NOT open it if the sender is unknown to you.  Many fake e-cards contain spyware and viruses.

Gift cards make popular holiday gifts. Be sure to only purchase them from official retail stores or websites that you know and trust. Beware of websites or ads offering steep discounts to buy their gift cards. Chances are the cards are fraudulent or stolen cards from third-party vendors.

Fake websites are set up all over the internet, that sell stuff that doesn’t even exist. They will offer fantastic bargains that are truly too good to be true. Also, beware of copy-cat websites that appear to be the real shopping site.  Some fake websites use similar or misspelled names of legitimate retailers. You may not realize that you’re on a fake website and enter your password or credit card information. You think you actually made a purchase, but your merchandise will never arrive and your credit card information gets sent straight to the criminal and will be used to make illegal purchases.

Fake online Ads will appear on social media sites and even on legitimate News websites. The ads exist to entice you to click on links that will ask you to provide personal information. If you see an Ad for something you like, instead of clicking on that Ad, go to the retailer’s website directly. If you don’t know the web address, use Google to search for it. The real legitimate website will be at the top of the Google results – about 99% of the time.

Public Wi-Fi is neither private nor secure. Never ever use public Wi-Fi to shop online. You can never be sure whether you’re using the authorized Wi-Fi of the retailer or actually the Wi-Fi of the thief, who is likely sitting a few tables away. When using public Wi-Fi, it is advisable to use a Virtual Private Network (VPN) for better online security.

Debit Cards should NEVER be used while shopping online. Your debit card is tied to the money in your checking account. You have better consumer fraud protections when using your credit card. Better yet, use a gift card or prepaid debit card for all of your online purchases.

STAY SAFE OUT THERE AND HAPPY HOLIDAYS TO YOU AND YOURS!

Here’s a good website to learn more about Shopping Safely Online

Here’s an article I wrote about Online Shopping

SHOP SAFELY ON CYBER-MONDAY

If you intend to do any gift shopping online, here’s some suggestions to help you shop safely on Cyber Monday.

Cyber Monday is a marketing term for the Monday after Thanksgiving. Wikipedia defines the term Cyber Monday as a day created by marketing companies to persuade consumers to stay home and shop online instead of having to brave the large crowds on Black Friday.

Cyber Monday shopping online

Cyber Monday is quickly becoming one of the most lucrative shopping days of the year for retailers. They will be promoting great deals through their websites and social media channels. But, consumers need to know how to shop safely on Cyber Monday and beyond…

First, you must make sure you are on a trusted legitimate website from a well-known retailer. Be careful not to misspell the website name. Imposters intentionally create fake websites using a misspelled name of a legitimate merchant or a name that is very similar to a legitimate retailer.

Next, you should be sure that the website address begins with HTTPS. The ‘S’ in HTTPS means that the website is using encryption to safeguard the personal information you enter when making your purchase. You can also use a browser plug-in called “HTTPS Everywhere”, for a more secure internet experience.

Once you decide to make a purchase, the merchant will ask you to begin by setting up an account. People mistakenly believe that if they use the “check out as a guest” feature, it means the merchant won’t store their information or add them to their email marketing list. Yes – they will!

There are 3 steps required in the process of shopping online and tips on how to safely navigate them:
  • You need to provide an email address. The retailer needs an email address so they can contact you if there’s a problem with your order. Instead of providing your usual regular email address, create a throwaway email address. You should just use this throwaway email address whenever you’re shopping online.
  • You need to create a Password. This is the single biggest security step consumers need to take to protect themselves online. It’s extremely important to create a stealth password. Preferably one that a cybercriminal can’t crack! A good password can mean the difference between keeping your personal info secure or handing it over to a hacker. Always use a unique separate password for each of your online accounts. Make your password long and nonsensical. Make up a sentence or silly phrase using upper and lower case letters and mix in numbers and symbols.
  • You need to pay for your purchase. There are various methods you can use to pay, such as a credit or debit card, gift card or mobile payment. But the safest recommended way to pay is by using a low-limit prepaid card for all of your online purchases. When you use a low-limit card, crooks won’t be able to make additional charges on it. This is especially important for any purchase that involves free trial offers or recurring charges. Never use your debit card online because it is tied to the money in your checking account. You will have very little recourse if your debit card gets compromised. Keep these tips in mind, so you can shop safely on Cyber-Monday! I hope you find some really good holiday bargains!

 

Tis the Season…For Holiday Scams

The holiday shopping season is underway and Scammers are already gearing up to exploit innocent victims with holiday scams. They love this time of year, when they have even more opportunities to separate you from your money.

Holiday Scams Warning

Here’s a list of Holiday Scams to help  keep you safer & smarter!

Spam Phishing Emails will be finding their way into your inbox. These emails have urgent messages or will contain offers for bargain prices or discount coupons. They will always include a clickable link or an attachment to open. If you click on the provided link or attachment, you will infect your device with Malware. It is advisable to never click on email links or attachments.

Package Delivery Scams are a Fraudster’s favorite trick. They know that most of you are either sending or expecting to receive a package during the holidays. Many millions of spam emails, pretending to be from known shippers (like the Post Office, FedEx or UPS) will be sent out to unsuspecting victims. The emails will include a link to click on that lets you “track” a problem with a package you recently mailed or “track” a package that’s on its way to your house.

E-cards are a fun, easy & inexpensive way to send holiday cheer to family and friends. Make sure any e-card you receive comes from a well-known reputable e-card company. Do NOT open it if the sender is unknown to you.  Many fake e-cards contain spyware and viruses.

Gift cards make popular holiday gifts. Be sure to only purchase them from official retail stores or websites that you know and trust. Beware of websites or ads offering steep discounts for gift cards. Chances are the cards are fraudulent or stolen cards from third-party vendors.

Fake websites will pop up all over the internet offering fantastic bargains. Beware of copy-cat websites or sites that use similar or misspelled names of legitimate retailers. You may not realize that you’re on a fake website and enter your password or credit card information. You think you actually made a purchase, but your merchandise will never arrive and your credit card information will now be used to make illegal purchases.

A good place to evaluate websites selling retail goods is http://www.resellerRatings.com  where you can find reviews about merchants and see if they’re legitimate. If they’re not listed there, chances are it’s a holiday scams website.

Fake online Ads will appear on social media sites and even on legitimate News websites. They exist to entice you to click on links that will either contain keystroke-logging Malware or lure you into providing personal information that will make you a victim of Identity Theft.

Public WiFi is neither private nor secure. You can never be sure whether you’re using the authorized WiFi of the retailer or actually the WiFi of the thief, sitting a few tables away. Use a Virtual Private Network (VPN) when using WiFi, for better online security. Make sure to NEVER use your debit card while shopping online. Your debit card is tied to the money in your checking account. You have better consumer protection when using your credit card. Better yet, use a gift card or prepaid debit card for all your online purchases.