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Identity theft has become more of a concern with the vast integration of computers and Internet into our financial matters. Years ago, when people used cash and online banking and shopping was not yet invented, identity theft level was way lower. Nowadays, when hundreds of millions transactions are performed online daily, we have to be careful more than ever. Following the simple steps below can ensure not just the safety of your personal information, but also the safety of your money.

1) Ensure that you have an Anti-virus software installed on you computer; it is supposed to run all the time, providing constant protection against viruses. A cheap and good antivirus you can buy from ESET (NOD32) or you can download a free one from AVG. Run a system scan at least once a month and make sure that the virus database is being updated.

2) You will also need a Firewall; Windows XP and Vista have their built-in Firewalls; You can also download the free Zone Alarm Firewall and install it.

3) In order to protect yourself from spyware and adware, install Ad-Aware (also free). Run a system scan at least once a month in order to keep your system clean.

4) Make sure that your Windows is fully updated with the newest patches and hotfixes: go to http://windowsupdate.microsoft.com and install the recommended updates. Check for new updates at least once per month.

5) Install CCleaner and run the clean-up wizard once a month.

6) Install Mozilla Firefox and use it instead of Internet Explorer. It provides better security!

7) Make sure that you are entering your information on the right websites. Hackers sometimes create mirror websites (’phishing’) which look exactly like banking websites and they may steal your log-in details. The address box should always display the correct address (ex. login.chase.com not 122.333.112.44 or chase.free-hosting.com) and it should always start with https:// (meaning that the connection is secure).

When shopping or banking online, look for the yellow padlock symbol in the lower right corner of your browser window. This will insure that your online session is in a secured environment and that the personal information you enter is protected

9) Protect your wireless network with a password and avoid connecting to unsecured wireless networks. Unprotected wireless networks can be tapped into and your personal information is at risk of being stolen and used inappropriately.

10) Keep your information secure: password-protect your computer and do not send any login or other sensitive information via email. Reputable companies will not ask you for your password through e-mail or over the telephone.

Tags: identity theft | antivirus | firewall | secure | banking | mozilla | credit | debt