Unprecedented Growth in the Fight to Eradicate Scam

   My first thought when I saw this email was that it's from someone with the same name as the guy
from Arrested Development.  Of course, that's Michael Cera!

   The only thing missing is a link or attachment.

   Of course, there are tons of emails like this around.  And people do respond.

   Would you respond?  How many people at your workplace would respond?  How would you help people recognize this kind of email and not respond?

---

International Debt Funds Recoup Unit of
United States Department of the Treasury Washington DC.
1500 Pennsylvania Avenue, NW;
Washington, DC 20220


Hello,


International Debt Funds Recoup Unit, incorporated November, 2016 as affiliate of United States Department of the Treasury Washington DC, established for the control of recouped international debt funds, within the short time of this establishment, we have experienced unprecedented growth in the fight to eradicate scam and terrorism.

With Our vast experience cutting across several facets of the world and affiliations with numbers of reputable foreign and local organizations, International Debt Funds Recoup Unit has brilliantly done very well in contributing to the effort of the American Government to curtail fictitious and nefarious activities of scam via the internet, which is perpetually taken out on citizens of United States and innocent citizens of other part of the world by impostors through our vast networking.

We implore your earnestly attention on our resent activities in affiliation with Federal Bureau of Investigation FBI. Your computer and telephone communication  were under surveillance device manipulation on discovery that you have been in communication with impostors, imposing as important dignitaries to the undisclosed organization.

The transaction database of Western Union and Wal-Mart Money Gram recently went through screening on evidence for transaction made on your name overseas and the statements of your bank account were properly studied on evidence for transaction made within the states and overseas. However, the collective findings urged the setup of multifaceted maximum security on your everyday activities most specially your email correspondence and telephone communications.

The state of affairs grows to be interesting that intelligent agent of International Debt Funds Recoup Unit and Federal Bureau of Investigation FBI,
where deployed to investigate on issues of debt funds as a result of Contract Payment Funds, Lottery Winning Funds and Inheritance Funds owe to you by the undisclosed conglomerate under impersonation of impostors imposing as important dignitaries to rip you off your hard earned money and to our dismay, it was discovered that your name appeared as owner of funds valued US$10.5Million United States Dollars.

Representatives of American Government bureaus sent on your behalf on this exploit confirmed that the blueprint of your funds recoup was plain and the outcome of the event was a solution to curtail activities of con artist and indeed a perfect solution to your quest on your funds. The recouped funds are deposited in the pecuniary basement of the International Debt Funds Recoup Unit here in Washington.

To apply for claims, we urge you to reconfirm your personal information stated as following below; the details will be used to conduct lawful underlying principles of verification on your reputation as the beneficiary own of the recouped funds lodged in our basement.

1.  First Name:
2.  Middle Name:
3.  Last Name:
4.  Home Phone Number:
5.  Cell Phone Number:
6.  Home Address:
7.  Date of Birth (mm/dd/yyyy)
8.  Driver's License/ Passport Copy:
9.  Marital Status:
10. Current Employer Name:
11. Position/Title:

This is compulsory instruction. REPLY BACK TO THIS ADDRESS ONLY IF YOU WANT FAST RESPONSE TO YOUR E-MAIL ( mrmichealcenadesk@webmail.hu )

God Bless America.
Sincerely yours,
Mr. Michael Cena

---

   I do enjoy these kinds of emails!  It unfortunate that some people do fall for these scams.  Interesting that this one doesn't ask for my SSN, but wants a copy of my driver's license and/or passport - that can be very valuable to the scammer.

   While there are no links or attachments here, but is still danger.  I've written about these kinds of scams in the past, and the prior advice still holds.

1. You didn't win!  An unsolicited email promising some kind of prize or payoff is not real.
2. Don't respond to unsolicited email.  It just lets the spammer know you are a live person.  And definitely don't respond and provide information about yourself.
3. Use care with links in unsolicited email.  There's a good chance that link leads somewhere you don't want to go... like a phishing site or a malware download.
4. Watch out for attachments... even pictures.  Stop and think before you click on that attachment.  Even if it looks like it came from a friend.  Were you expecting the email and attachment?
5. Be stingy with your personal information.  Much of what happens in today's world happens online.  And you will have to provide some information sometimes.  But every site doesn't need all your personal information.  And just because a site asks for information doesn't mean you have to provide it.  Before you fill out that form, stop and think, then decide how much information you want to provide.

   You can find a few more tips here.  These steps can help you at home and at the office.

   What's your favorite example of this kind of scam?

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.

---

   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.

I Have Neither Read Nor Understood

   The site masthead starts out with the statement:“I have read and agree to the Terms” is the biggest lie on the web. We aim to fix that.

   This is the lead statement on the tosdr.org website.  tosdr is an acronym for "Terms of Service; Didn't Read".  It's a play on words (play on acronyms? :-)) of tl;dr, Too Long; Didn't Read.  tl;dr has been a term floating around the interwebs for many years.  It simply expresses a sentiment that many people can relate to... that we're busy, so when there is a long article, post, whitepaper, document, documentation, etc., we might just not read it.  That also leads to the idea of the tl;dr version, i.e. executive summary!

   Clearly, Terms of Service statements fit into this category.  They tend to be exceedingly long.  They are often written FLBL (For Lawyers, By Lawyers)! :-)  You see them all over the place... on your bank's website, on social media sites, when you sign up for just about any kind of service, and with just about every app you install.

   So, if no one reads them, what's the problem?  Like a contract, the Terms of Service or EULA (End User License Agreement) provides some very important information.  For example, it may cover:

• how the app, website or company can use your personal data;
• if the site can sell your data,
• whether or not you own any content you upload (such as to a social media site);
• how, when, how much you can use the app, service or website;
• if the site can charge you money, either one time or ongoing;
• if you have any rights to seek damages against the company if you don't like how they conduct business
• and more...

Payday!

   I received this great news in email today.  For some reason gmail marked it as spam!  But it looks great to me! :-)

Cyberbullying and the New Math

   According to Cyberbullying Research Center, the National Crime Victimization Survey (NCVS) is a large-scale data collection effort led by the U.S. Census Bureau and the Bureau of Justice Statistics.  This study has been going on since 1973.  In 1989 they added supplemental questions focused on school-related incidents, and stepped this up to a more in-depth biennial survey in 2005.

   Cyberbullying is still a major issue.  It's been over 4 years since I've written on this subject.  While there is perhaps more visibility, the basic problems haven't changed.

  Based on the above benchmark, at first glance, bullying appears to be trending down over the past decade.

   While there have been some high-profile cases over the years, this is a real, current and ongoing issue.

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.

What You Can''t See Can Hurt You(r Data)

   "It is all around us, even now in this very room. You can see it when you look out your window or when you turn on your television. You can feel it when you go to work, when you go to church, when you pay your taxes.."

   It's "all around you. Here, between you, me, the tree, the rock, everywhere."

   No, not the Matrix and not the Force, but a more insidious power... WiFi!

   Public WiFi is everywhere.  Many stores, malls, airports, cities and even parks offer it.  Sometimes it's free and sometimes not.

   It's US Cyber Security Awareness Month so it's a good time to think about the risks of using public WiFi and how to protect yourself.

   There are definitely risks in using public WiFi including:

• pushing software - WiFi can be configured to send software to your device when you connect.  That might be OK at home or important in the office, but it can be misused by an attacker out in public.  Don't install software offered to you on a public WiFi.
• redirecting your browsing - a WiFi connection can control how you get to websites.  If an attacker controls the WiFi, they can cause you to go to copycat websites with malicious software or to phishing sites.
• evil twin attack - you know when you're at the coffee shop and you can connect with a WiFi connection that has the same name as that coffee shop?  How do you know it's really the coffee shop's connection?  You don't.  Anyone can buy a wireless router at the store for $25, put it anywhere, and name it anything they want.  Using a deceptive name for a WiFi connection to lure people is called the evil twin attack.
• are you encrypted? - VPNs, Virtual Private Networks or secure connections, are a great way to protect your data when connecting over unknown networks... like the Internet!  However, you first have to connect to the Internet before establishing the VPN.

Here are some tips to reduce your risks of using WiFi outside your home or office:

• use your smartphone hotspot - if this is a feature of your mobile phone and plan, you can use your phone as a WiFi hotspot and connect to it.  You then can feel confident that your connection is going through your cellular carrier.  Warning... this will use your mobile data and may cost you extra depending upon your plan and data limits.
• only use wifi with a password or passphrase - even if everyone knows the password.  Using WPA or WPA2 with a password/passphrase means that every connection between a PC and the wireless network is encrypted.
• turn off file sharing - in Windows you can designate a network as public, work or home, or you can directly turn off file sharing.  Here's an article with the instructions.
• if possible don't use open wifi in very open areas - the more open an area you're in, the harder it is to figure out if you're connected to a legit WiFi.  And...
• be aware of your surroundings - it's not strictly a WiFi issue, but when you're on public WiFi you're in... Public!  Protect your screen.  Protect your passwords.

   Even if you do all this, a skilled attacker can still cause you problems on a public WiFi network.  So, if you have to use public WiFi, try to:

• limit personal info - even if it looks like a website is https, do your personal business from a secure connection at home
• same for banking, shopping - definitely save your financial transactions for known secure connections
• use care with confidential work data - you should use care when dealing with critical work data, particularly if you work with other peoples' personal data!

   Here are a few articles with more info.

   As a side note, there are also questions about potential health risks of all the wireless signals in our environment.  It's hard to separate fact from speculation and wireless may or may not be a health issue.

   In the future we'll see even more wireless than we do now.  And we'll also see better wireless network security.  Many new cars come with WiFi hotspots and more cities and municipalities are offering wireless. 

   What are your tips for public WiFi safety?  Have you ever come across an "evil twin" WiFi network?

Can't Live with 'em, Can't Live without 'em

   They're dead.  They're here to stay.

   They're safe.  They're breached.

   They're encrypted.  They're visible.

   They're complex.  They're too simple.

   Once again, the topic we love to hate... Passwords!  And, you know what else???  It's also that greatest of holiday celebrations... US Cyber Security Month!

   In honor of US Cyber Security Month and the recently announced breach of 500 million Yahoo! account passwords and other info  (while announced in 2016, the breach actually took place in 2014, and is not the same as the password breach they had in 2012! - yes, I know... it's hard to keep up!), I'm re-running a post I wrote in... wait for it... 2012!  Not only is everything I wrote in that post 100% relevant today, but I even commented on that 2012 Yahoo! breach.  The more things change, the more they stay the same.  Happy Cyber Security Month!
-----------------
   Passwords are a mess!  A "good" password has these features:

• hard to create
• hard to remember
• hard to enter
• probably has to be changed as soon as you memorize it
• plus other inconsistent, random rules depending upon the site

   Perfect!

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.

Secrets Your Phone Told Me

   You may remember that earlier this year we were all talking about the standoff between the FBI San Bernadino attack.  This specific problem was "solved" when the FBI said they were able to decrypt the phone and no longer needed Apple's help.  The assumption by many is that the FBI purchased an exploit used to break into the phone.
and Apple about the decryption of an iPhone used by one of the shooters in the

   This leads us to an important consideration and question... can any phone be hacked?  Is any information on your smartphone really private?

   We have become completely dependent upon our phones.  According to a 2015 Pew Research Center study, in the US over two-thirds of the population uses a smartphone.  We keep all of our personal information on there: passwords and accounts, photos and videos, credit card data, tax data; we shop and set many preferences (travel, food, dating, real estate); we track our workouts, our weight our food and all our movements.  Today's smartphone is the key to far more information about you than you can imagine!

   We can, of course, watch TV on our phone.  And on 4/17/2016, 60 Minutes aired a show about smartphone security and privacy.  You can view it here.

   In the episode, they talked about the SS7 (Signaling System 7) protocol and how it works.  SS7 was designed in 1975 and it is the protocol that allows phone systems to pass calls between them.  For mobile, it handles maintaining connections as you move between cell towers, for example as you are driving down the road (using hands-free calling of course! :-).  This particular exploit is not new at all.  In fact, this has been a topic at the Black Hat Briefings and other security conferences for years.

   But all this aside, there is no need for exploits or vulnerabilities to track people or glean personal information through their phones.  Disclosing this information is simply how phones and apps work!  Let me explain...

The Celebration Continues! - Your Evolving Digital Life

   We continue our celebration of US Cyber Security Awareness month!  This partnership between Homeland Security, NCSA (National Cyber Security Alliance) and the MS-ISAC (Multi-State Information Sharing and Analysis Center) is an opportunity to recognize the importance of information security.  It started in 2003 as a way to build awareness for online security and privacy and to encourage individuals, business and government.

   This is another of my weekly posts connected with the weekly themes put together by DHS.  This week the theme is Your Evolving Digital Life.

   You practically need to be online to survive and thrive in today's world.  Whether we're talking about digital natives or newbies, we all need to handle some aspects of our lives online.  And all ages are involved!  Senior Citizens are the fastest growing online demographic group.  Not to be outdone, over 33% of babies born in the US already have some kind of online presence!  And people aren't the only online residents... our refrigerators, cars, scales, light bulbs, power grids and medical devices have joined us.

Keep Celebrating! - Mobile and Social

   We continue our celebration of US Cyber Security Awareness month!  This partnership between Homeland Security, NCSA (National Cyber Security Alliance) and the MS-ISAC (Multi-State Information Sharing and Analysis Center) is an opportunity to recognize the importance of information security.  It started in 2003 as a way to build awareness for online security and privacy and to encourage individuals, business and government.

   This is another of my weekly posts connected with the weekly themes put together by DHS.  This week the theme is staying protected while always connected.  That rhymes!

   We are always connected!  According to the Pew Research Center, in 2015 90% of american adults own a cell phone, 64% own a smart phone.  And one of the major uses for smart phones is... not calls but social media!  How do we stay safe online and on the move?

ID Fraud... What to do Now

   I've written about Identity Fraud in the past.  Today I'd like to review what you need to do now if you are a victim.  I have written about this before, but a picture is worth a thousand words... and a video?...

I Know Where Your Cat Lives!

   Today's post brings together two of the most important, popular and topics online - security and privacy of your information on the Internet and... Cats!

   We know why the first topic is important.  I've written plenty about data breaches, keeping yourself safe online and how to decrease your exposure to identity fraud.  But cats?  Interestingly, the Internet has had a long fascination with cats.  And memes are everywhere starting with the early days of Lolcats and Keyboard Cat.  Disclaimer - I am not a cat person... I don't own any and am not a fan.  But I do like a good meme!

  Regardless of your pet of choice, we do care about our pets and they are often treated like members of the families.  And that includes... pictures.  If you do a search on cat pictures or pet pictures, you'll see plenty.  If you look on people's social network profiles, Facebook, Instagram, Pinterest, etc., there will be pet pictures all over the place.  You can even find them on "professional" sites like LinkedIn.

   Looping back to security and privacy... it's hard enough to keep your data safe when you're deciding what to share.  Many sites deal with the normal stuff - name, A/S/L, credit card numbers, and more.  You can enter this info to a site, or not.  But it's much harder when you don't realize that you are sharing data.  Or, put another way, how do you know when you're sharing more than you think you are.  There is hidden data and data sharing happening on the net everywhere.  For example, when you connect to a website, that connection creates a log that includes things like: your IP address, your browser type, your computer/phone/tablet operating system and other info.  The site may put a "tracking cookie" on your machine to help customize your experience while gathering more data.

   Then there's metadata.  This is data about data.  For example, when you take a picture with a digital camera or your phone, there is all kinds of additional data "attached" to that photo including: location, IP address, and timestamp.  There is also a great deal of extra visual information, other than the core subject in the photo including: views of your house, entrances, other people and surroundings.

   There is a fun and interesting website called "I Know Where Your Cat Lives".  They simply connect to photo sharing and social sites, grab cat photos, mine the metadata, connect the photo to a map, and create stats and charts.  Oh yes, and display cat photos!

   The lesson here is to pay attention to your digital surrounding.  When you take a picture, know what else is in that picture.  When upload a picture to a site, think about what data is going with that picture.  Most photo software gives you the ability to edit and alter most of the metadata.  Are you automatically uploading photos?

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.

Online Self-Defense - Don't Phall for Phishing!

   It's Cyber Security Month!  And the more things change, the more they stay the same.  The key advice for online self-defense I've given in the past is just as true now.  So to help us all celebrate, I'm "re-featuring" a few articles I've run in the past.

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   I said in part 1 that this would be a 3 part series, because everything comes in 3's.  Well... it's still Cyber Security Month and I would be remiss if I didn't write about phishing.  So we'll just call this part 4 of 3!  Here are parts 1, 2 and 3.

   As you probably know, phishing refers to an attempt to fraudulently get your personal information by masquerading as a trusted source. Examples include: a fake email that looks like it came from your bank; a fake fraud warning message that looks like it came from your credit card company, or; a distress message that looks like it came from a "friend" asking for money.

Online Self Defense - Passwords

   Next week I'll be presenting at the Cyber Security Summit in Minneapolis.  I hope to see you there!

   It's Cyber Security Month!  And the more things change, the more they stay the same.  The key advice for online self-defense I've given in the past is just as true now.  So to help us all celebrate, I'm "re-featuring" a few articles I've run in the past.

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   Last week I started a series on themes I covered in a talk entitled "Online Self-Defense".  In part 1 of that series, posted here, I talked about protecting your computer. This week we'll look at passwords.

   Passwords are a mess!  A "good" password has these features:

• hard to create
• hard to remember
• hard to enter
• probably has to be changed as soon as you memorize it
• plus other inconsistent, random rules depending upon the site

   Perfect!

Putting the Face in Facebook

   As can happen in a month whose name contains an "a", "e" or "u" :-), Facebook has once again made
changes to its privacy policy and practices.  And, as always we all have two choices: accept the changes (and adjust our settings and practices appropriately), or; leave Facebook.

   Of course most people won't leave Facebook, and if anything they will add more users than those that leave.

   As I look through the changes (see Facebook's notice here with links to the details), I think there are three things to know...

Are You the Customer... or the Product?

   I regularly speak with people about Internet/Online Safety.  One message I frequently give about free online services is:

You're not the Customer... You're the Product.

   We often see people upset about changes in social networks like Facebook.  Folks complain about "customer service", not realizing that they are not the customer!  It's often the advertisers, or other backers, who are the real customers.  And what those customers want is information... about the users of the service.

   I'm a big fan of free online services, but it's important that people realize what's going on.  It starts with the privacy policy, which explains how an online service intends to use your data and information about you.

   But I want to talk about cloud storage services.  These services allow you to backup files, sync files between systems and devices, and have files available from anywhere.  How are your files protected?

One if by Land, Two if by Prism

   Last week I avoided talking about Prism, the supposed NSA wiretapping issue that has been all over the news.

   However, in the past week I've read or heard 3 different highly insightful analyses and I'd like to comment on them.

   First, on the possible techniques used.  Major data collection organizations including Facebook and Google have denied providing any information to the US Feds as has been alleged.  But the NSA is getting information.