ID Fraud and Your Taxes - Take Action!

   It's that time of year again.  Brian Krebs just put out two articles on the ongoing issue of tax fraud.  As is so often the case, the advice to protect yourself hasn't changed - and be assured, you must protect yourself because no one else will, certainly not the IRS!

   As noted below and in the Krebs' article, what you need to do now and always is:

1. file your taxes early
2. monitor your credit (I covered that topic here... in 2013!)
3. freeze your credit (two articles from Krebs, also from 2015)
4. become you before someone else becomes you (I wrote about that subject here and here)

   Here's a re-run of my article on this subject from three years ago.  It's all still true!  As I wrote nearly 5 years ago, the more things change the more they stay the same.

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   I did a series of posts last year (2014) on the problem of ID Fraud.  This is an ongoing issue, certainly because organizations struggle to protect information, there are cyber attackers out there, and also individuals don't often take steps to protect their own information.

   The bottom line is that your personal information, primarily your financial information, has tangible dollar value to a cyber attacker.

   We usually think about credit card fraud or maybe bank account fraud as the results of these kinds of data breaches.  But in this post and the next I'd like to talk about two other scenarios that have happened, are happening... and you need to be aware.

   It's that wonderful time of year again in the US.  Crisp weather, snow (most places), the days are starting to get a bit longer... and it's the beginning of tax filing season.

   Imagine you are doing your civic duty, filling out and filing your tax return.  You send it in to the IRS, only to find out that "you" already filed your return and "you' have already received your rather sizable refund - surprise!

   Unfortunately, this has happened.  And, as we've discussed in the past, these attackers are smart.  This is a business.  They need to be able to maximize profits because there is a limited timeframe in which to commit the crime.  So they need to attack a sub-population who:

1. makes good money;
2. might have many deductions;
3. might have complex returns, and;
4. for whom a large refund might not raise red flags.

   How about... Doctors!

   And, just as I finishing writing this article, we have new news out about tax fraud this year!  Reports say this is connected with Turbo Tax software, but it is more likely that scammers got people's info through other means and filed the fraudulent returns.  Maybe Turbo Tax is just the scammers software of choice! :-)

   As always, we want to talk about what you can do.

   In addition to the steps outlined in these previous blog posts, here is the IRS Guide on Identity Theft.  The IRS guide and my previous tips talk about not only what you should do if you are a victim, but tips to avoid the problem in the first place including:

• protecting your personal information, primarily your social security number
• don't click on links sent to you via email or in social media - type the link in yourself or do a search
• use link rating applications like Web Of Trust (WOT)
• don't give our your personal information via web, email, phone unless you can positively identify the person on the other end
• review your bills, credit record and other information that might provide early warning of a problem.

   Have you been the victim of tax-related ID Fraud?  Do you have any additional tips to share?

   Of course, this issue is not just about doctors!  Next time we'll talk about something perhaps even closer to your wallet... payroll fraud and misuse.

ID Fraud, Taxes and Doctors Again (Still?)

   It's that time of year again.  Brian Krebs just put out an article on "darkweb" sales of W-2 information.  You can read that article here.  As is so often the case, the advice to protect yourself hasn't changed - and be assured, you must protect yourself because no one else will, certainly not the IRS!

   As noted below and in the Krebs' article, what you need to do now and always is:

1. file your taxes early
2. monitor your credit (I covered that topic here... in 2013!)
3. freeze your credit (two articles from Krebs, also from 2015)
4. become you before someone else becomes you (I wrote about that subject here)

   Here's a re-run of my article on this subject from two years ago.  It's all still true...

---

   I did a series of posts last year (2014) on the problem of ID Fraud.  This is an ongoing issue, certainly because organizations struggle to protect information, there are cyber attackers out there, and also individuals don't often take steps to protect their own information.

   The bottom line is that your personal information, primarily your financial information, has tangible dollar value to a cyber attacker.

   We usually think about credit card fraud or maybe bank account fraud as the results of these kinds of data breaches.  But in this post and the next I'd like to talk about two other scenarios that have happened, are happening... and you need to be aware.

   It's that wonderful time of year again in the US.  Crisp weather, snow (most places), the days are starting to get a bit longer... and it's the beginning of tax filing season.

   Imagine you are doing your civic duty, filling out and filing your tax return.  You send it in to the IRS, only to find out that "you" already filed your return and "you' have already received your rather sizable refund - surprise!

   Unfortunately, this has happened.  And, as we've discussed in the past, these attackers are smart.  This is a business.  They need to be able to maximize profits because there is a limited timeframe in which to commit the crime.  So they need to attack a sub-population who:

1. makes good money;
2. might have many deductions;
3. might have complex returns, and;
4. for whom a large refund might not raise red flags.

   How about... Doctors!

   And, just as I finishing writing this article, we have new news out about tax fraud this year!  Reports say this is connected with Turbo Tax software, but it is more likely that scammers got people's info through other means and filed the fraudulent returns.  Maybe Turbo Tax is just the scammers software of choice! :-)

   As always, we want to talk about what you can do.

   In addition to the steps outlined in these previous blog posts, here is the IRS Guide on Identity Theft.  The IRS guide and my previous tips talk about not only what you should do if you are a victim, but tips to avoid the problem in the first place including:

• protecting your personal information, primarily your social security number
• don't click on links sent to you via email or in social media - type the link in yourself or do a search
• use link rating applications like Web Of Trust (WOT)
• don't give our your personal information via web, email, phone unless you can positively identify the person on the other end
• review your bills, credit record and other information that might provide early warning of a problem.

   Have you been the victim of tax-related ID Fraud?  Do you have any additional tips to share?

   Of course, this issue is not just about doctors!  Next time we'll talk about something perhaps even closer to your wallet... payroll fraud and misuse.

Gotta Catch Some of 'Em

   Because you just can't catch 'em all!

   I guess I can't get around having to comment on Pokemon Go.

   If you have children, or if you were, born in the 90's through the 00's then you know all about Pokemon.  It used to be about the cards, action figures and, of course, the video games.  Remember the Game Boys, game cartridges and all the sounds and music?!

   With Pokemon Go, the game has gone from sometimes mobile to really mobile.  And from sometimes social to a social phenomenon.

   It's not farfetch'd!

   For some reason, many adults seem to dislike this game, siting issues like inattention to surroundings, time spent playing, etc.  I think the game is great!  Here are my top reasons why (major caveat... I have not actually played the game!  These are my observations as a technology and security professional and as a parent):

• It gets kids out of the house - many people need a little Vitamin D.  One of the biggest complaints about gaming and computers for kids is that they don't get outside enough.
• It gets kids moving - #exercise.  While there have been some attempts at game-ifying exercise, such as Wii Fit, it never really caught on.  Pokemon Go gets people outdoors and moving around.  In fact, part of the game is logging lots of steps.
• It's for "kids" of all ages - parents can play along with their kids!  You don't have to play, but at the very least it's a great opportunity to be involved.
• It's really social - you may remember that, back in the day, players could connect two Gameboys so two people could battle.  Now people are connecting IRL (In Real Life) as they hike trails, walk through cities or congregate at parks or other PokeStops.
• It's another step toward acceptance of Augmented Reality.  Unlike Virtual Reality, in which one is entirely immersed in a manufactured visual scene, Augmented Reality overlays images, text or other information on top of what you are actually looking at.

ID Fraud, Taxes and Doctors, Oh My!

   I did a series of posts last year on the problem of ID Fraud.  This is an ongoing issue, certainly because organizations struggle to protect information, there are cyber attackers out there, and also individuals don't often take steps to protect their own information.

   The bottom line is that your personal information, primarily your financial information, has tangible dollar value to a cyber attacker.

   We usually think about credit card fraud or maybe bank account fraud as the results of these kinds of data breaches.  But in this post and the next I'd like to talk about two other scenarios that have happened, are happening... and you need to be aware.

   It's that wonderful time of year again in the US.  Crisp weather, snow (most places), the days are starting to get a bit longer... and it's the beginning of tax filing season.

   Imagine you are doing your civic duty, filling out and filing your tax return.  You send it in to the IRS, only to find out that "you" already filed your return and "you' have already received your rather sizable refund - surprise!

   Unfortunately, this has happened.  And, as we've discussed in the past, these attackers are smart.  This is a business.  They need to be able to maximize profits because there is a limited timeframe in which to commit the crime.  So they need to attack a sub-population who:

1. makes good money;
2. might have many deductions;
3. might have complex returns, and;
4. for whom a large refund might not raise red flags.

   How about... Doctors!

   And, just as I finishing writing this article, we have new news out about tax fraud this year!  Reports say this is connected with Turbo Tax software, but it is more likely that scammers got people's info through other means and filed the fraudulent returns.  Maybe Turbo Tax is just the scammers software of choice! :-)

   As always, we want to talk about what you can do.

   In addition to the steps outlined in these previous blog posts, here is the IRS Guide on Identity Theft.  The IRS guide and my previous tips talk about not only what you should do if you are a victim, but tips to avoid the problem in the first place including:

• protecting your personal information, primarily your social security number
• don't click on links sent to you via email or in social media - type the link in yourself or do a search
• use link rating applications like Web Of Trust (WOT)
• don't give our your personal information via web, email, phone unless you can positively identify the person on the other end
• review your bills, credit record and other information that might provide early warning of a problem.

   Have you been the victim of tax-related ID Fraud?  Do you have any additional tips to share?

   Of course, this issue is not just about doctors!  Next time we'll talk about something perhaps even closer to your wallet... payroll fraud and misuse.

(SuperValu) Wrote Me A Letter

   I'm hearing the Joe Cocker version of Box Tops song! (though I always picture John Belushi doing this!)

   I don't want my summer to end, but October is coming soon and, in the US, October is National Cyber Security Month.  This will be the first post of a series on Identity Theft that will carry us into October.

   First of all, the term Identity Theft is a misnomer.  According to Findlaw:

 Theft is often defined as the unauthorized taking of property from another with the intent to permanently deprive them of it. Within this definition lie two key elements:
1) a taking of someone else's property; and
2) the requisite intent to deprive the victim of the property permanently.
The taking element in a theft typically requires seizing possession of property that belongs to another, and may also involve removing or attempting to remove the property. However, it is the element of intent where most of the complex legal challenges typically arise in theft-related cases.

   But, with Identity Theft, your identity is not actually stolen, because you still have use of it.  A more accurate term is Identity Fraud.  Someone is using your identity, without permission, to execute fraudulent transactions or commit other crimes.  And, in many cases it's just aspects of identifying or financial information that is being used fraudulently, like your credit card.

Beach to Breach - It's not just for work data!

   I heard a great term recently... Beach to Breach.  SC Magazine did an article about a Sourcfire study on employees bringing their portable devices on vacation.  They found that 77% of employees bring their devices with them on vacation to keep in touch with work and that 97% of the use is email.

   Hopefully you can see some of the security problems right away... the devices have a good chance of getting lost or stolen when one is out of their "element"; plenty of opportunities to connect to unknown networks; potential to use hotel printers; possible "incentive" to bypass controls to see that one "important" message, and of course; sand in our devices!

   Organizations certainly should be concerned about the potential for breach of data or loss of equipment.  But what about the rest of us?  Should we take extra precautions with our personal devices and information when out of town?... Definitely!

Tech-Smart Parents and Preschoolers

   This past weekend I had the opportunity to do something fun and different!

   I've been lecturing on Internet Safety and Awareness to all kinds of groups for about 15 years.  I've met with parents and professionals at conferences, businesses, churches, school district parent fairs and have even provided training to law enforcement personnel.  I enjoy doing this and always learn something new.

   After presenting at a school district parent fair last fall, I was invited to present at a local Young Children and Technology conference, specifically covering technology for the preschool and younger set!  Since most of my material is targeted for parents of preteens, teens and older, I knew I had some work to do!

   As I dove into the research, I found that there are similar categories of issues, but clearly preschoolers and toddlers use technology different than teens.