Steps you can take to protect your identity and assets

Identity theft ravages the financial world about like a force-five tornado. With just the four digits of your social security number, a sophisticated “digital impersonator” not only has power to take all your money but also to open credit accounts and secure mortgages totalling potentially a million dollars or more.

More credit cards increases vulnerability to identity threatNaturally, the more assets you have and the better your credit scores, the more damage a skilled identity thief can do. Therefore, although you do not want incipient paranoia to drive you into the company of identity-protection scammers, you do want to safeguard your accounts against intruders and thieves of all descriptions.

First, follow your common sense. Shred everyday documents that reveal your financial information, keep sensitive documents out of your trash, and digitize your most important financial information, protecting it with impenetrable passwords. Then, develop healthy habits that will keep your personal information safe wherever you go and whatever you do:

Empty your purse and wallet

Make cash the official currency of all your commerce. The more you use credit and debit cards, the more you make them vulnerable; you obviously increase the risk of losing them, but you also put them at-risk of password theft or “skimming”, the use of electronic devices to capture the numbers on their code strips.

On an ordinary day, you need only your driver’s license, your health insurance identification your roadside assistance card, and the one credit card you use for emergencies – the one with the best, most efficient theft and fraud protection. Carry enough cash to cover your transactions and provide for an emergency stop at a coffee shop! You’re safe and good to go.

Refuse to do business over the phone

Under no circumstances should you ever transact business over the phone, because you have absolutely no way of authenticating the person on the other end really is who he or she claims.

Automated transactions give you a few more protections than voice transactions, but they still come with risk that a determined identity thief may steal the numbers you send and therefore gain control of your accounts.

Especially refuse to share the last-four digits of your social security and charge account numbers with telephone service representatives. Exercise similar caution about internet transactions, double-checking to make sure your easy-access, user-friendly bill-paying and shopping sites have high-quality encryption and other hack protections.

Create and re-create strong passwords

If you watch crime dramas and mysteries, you know that every sleuth, whether good guy or bad guy, easily guesses the most common passwords – your birthday, your children’s and pets’ names and your address.

Sophisticated computer spies have compiled lists of the top twenty most frequently used password formulae, all of which are so painfully obvious even the “Home Alone” villains could guess them. Use your own criminal mind to develop passwords only you could know. Then, change those insidious, super-sneaky passwords about once each month.

Keep your distance

When you must use the ATM, or when you use your debit card at the gas station and in other public locations, make sure people are not peering over your shoulder, and shield the keypad with your free hand while you enter the magic digits.

Whatever precautions you take in semi-public situations, take them to an exponent of ten when you use a credit or debit card at a major retailer, because you are extremely exposed as you use the elevated keypad at the check-out stand.

Check every “mistake”

Good financial management requires you reconcile your account statements every month. Personal safety demands you check and reconcile your accounts at least every week. Use your banks’ and creditors’ websites to review deposits and purchases, making sure your own records match theirs. Whenever you see a discrepancy, call the customer service line immediately, engaging the representative until you feel satisfied they have corrected the error or you have taken proper steps to protect your account and assets.

“I used to take pride in being a trusting person,” says one identity theft victim, “No more! Now, I take pride in how safety-conscious I have become.” Stressing the emotional and practical consequences of identity theft, “You cannot imagine how vulnerable and violated you feel when an invisible thief steals everything you have worked to save. Then, you cannot imagine how much work it takes to reconstruct your genuine financial self.” Feeling a little bit safer and more secure because she has survived the ravages of identity theft, the victim says, “Now, a thief will find it easier to break into Fort Knox than into my accounts.”

The journey of an email – as told by Google

Today, when I opened up Google, I saw something new. In the past Google has used the space directly below the search box to notify users of holiday events, privacy policy updates, tributes to industry legends – such as the Steve Jobs tribute, among other things.

Google's Tribute to Steve Jobs

Google's tribute to industry legend - Steve Jobs

Today however Google is using this spot to advertise its new feature, which lets you follow the journey of an email: ‘The Story of Send’.

Google's homepage with a link to 'The Story of Send'

Google advertises 'The Story of Send: Follow an email on its journey.' on its homepage

When you click the link, you are taken to a page on Google’s Green website (.google.com/green) which tells you how you can

“Take a journey through Google’s data centers by following an email along its path.”

Click ‘Start the story’ and the journey begins! Google takes you through an interactive journey of a Gmail email, from when you hit send on your device, to when it arrives at its destination.

The tour takes about 5 minutes (around 50 if you watch all the videos) however, as we all know, the journey of a real email, takes seconds – if that sometimes.

It is evident that the project is meant to be promotional for Google, as it points out all the good points along the journey. For example, how they have ‘built an extensive Internet backbone across the U.S.‘ to speed things up; how they ‘protect your message with a wide range of security measures‘ and how their data centres use ‘50% less energy than typical data centers‘ etc.

What the journey fails to point out is the less desirable things that go on. One example being how your email is read (or spidered) by Google Bots/Spiders, keywords are picked out, and then relevant ads are displayed alongside the message. Another being how Google want not only to own the systems which deliver your emails, but also the infrastructure (the cables and power) which gets it there – is that not a bit of a monopoly?

I like Google, I think it does a wonderful job, and it is great that it offers us all so much for free, however they do also do a good job of covering up the stuff they don’t want us to here.

Check out the video below for more. I found it and tweeted about it a while ago, however never really found an article for it to go in.

So, have you taken the journey yet? Aside from the obvious PR (public relations not PageRank) stuffed in, it does make interesting viewing.

More interested in talking about the ethics of Google? Add your view below 🙂

Why not talk about them both!

Your views?

How important is the quality of hosting to online retailers?

This is a sponsored post. To find out more about sponsored content on Technology Bloggers, please visit our Privacy Policy.

With many brick-and-mortar businesses adding an online version of their high-street store to their portfolio, it’s important that firms choose the right web hosting service. With myriad services offering cheap deals, firms ought to be wary regarding offers that appear to be too good to be true – because they usually are.

On the surface, purchasing web hosting that costs £20 a month seems like a steal. In fact, it is a steal. However the only thing that is being nicked is precious uptime for online retailers, as the vast majority of cheap hosts go hand-in-hand with downtime.

Downtime – a retailer’s worst nightmare

For online retailers, downtime is especially important; every second of downtime is potentially a lost sale. Would you rather pay a premium for quality web hosting that is reliable and constantly up, or pay a third of the price for web hosting that keeps going down? In the long-term, it may cost more for firms to pay for cheap, but less reliable hosting.

In addition, utilising the services of a web hosting service in your time zone could be important, especially for smaller firms. Imagine if your store goes down but your hosting service is half-way across the world. This is certainly not ideal for any stores looking to make sales. For example, let’s just say your UK-based store goes down at lunchtime. No amount of calls at 12pm is going to wake a firm located half-way across the world; tucked up in bed at 12am. It’s a nightmare scenario.

SEO

The importance of SEO over the last 10 years has changed the face of the internet. An increasing number of online retailers are producing fresh content in a bid to become a publishing authority in the eyes of search engines.

However, when a cheap hosting company offers dead links, 404 errors and other harmful downtime to a retailer, what are these search engines going to think? Bounced traffic isn’t going to look good in the eyes of Google or Bing.

Technology Bloggers 404 error

Technology Bloggers 404 Page

Eventually, a retailer could slip down the rankings, and get flanked by its competition. It takes a lot of dedication to work up the search rankings, so don’t let a bogus hosting firm ruin your company and its prospects.

Security

In addition, security should be a top priority for online retailers. The amount of hackers roaming cyberspace is vast and make no mistake – they’re ready to capitalise on unprotected websites. By opting for secure web hosting which features STFP and SSL, a business and its clients can feel assured that all sensitive data is kept in safe hands.

As you can see, the quality of web hosting is an absolutely integral part of the foundations of success for online retailers. In an era of cost cutting and tight purse strings, it might be tempting to lump with a cheap web hosting service from the other side of the world, but in the long-term you may end up opening your wallet more often than you think.