Protect Your Computer And Your Personal Information From Spyware

Spyware is a broad term used for certain types of software that are downloaded onto your computer without your knowledge. Malware has become a phrase that is used when describing spyware and adware. Spyware is placed on your computer in order to track your internet surfing habits. It knows every site you visit and every page on that site. Spyware also collects your personal information through software that tracks your actual keystrokes. If you fill in a form to make a purchase all your personal information, including name, address and credit card information can be tracked. The potential abuse of spyware tracking is also being discussed in some businesses that store secure information, such as credit card numbers or even medical records. Adware is another type of spyware. It doesn't work by tracking your information as spyware does, but what it can do is actually change your browser settings without your consent. It can cause pop up ads to show on your computer. It can even place a new toolbar on your computer. Most people are unaware they even have any type of adware installed on their computer until their computer starts to slow down. The spyware business is a billion dollar a year industry with people getting very rich selling the information they steal about you. There is a case currently in court in the State of New York against a spyware company. The outcome of this legal case will hopefully mean the end of secretly placed spyware. In order to not fall prey to these types of malwares there are steps you can take. First, don't download freebies. A lot of services that are offered to you as "free" such as free music downloads are free per say, but the price you pay is allowing them to place spyware software or adware targeted advertisements on your computer. Read any agreements about the software very carefully before you download it. Run an anti spyware software program often along with your virus protection software. Generally spyware and adware are designed to be difficult to remove from you computer and they leave behind "ticklers" which reinstall the software.

Protect Yourself from Identity Theft

Copyright 2006 Francesca Black Some law-enforcement authorities call identity theft the fastest growing crime across the country right now. In fact, identity theft is the most called-about subject on the Privacy Rights Clearinghouse's telephone hotline. Most victims don't even know how the perpetrators got their personal information. Such fraud may account for as much as 25% of all credit card-fraud losses each year. Not surprisingly 49% of the victims, who have had their identities stolen, stated that they do not feel they know how to adequately protect themselves from this crime. What Steps Can you Take to Avoid Identity Theft? 1. Credit Report Order your credit report each year from each of the three major credit reporting agencies. Check each credit report carefully for accuracy and for indications of fraud, such as credit accounts that you did not open; applications for credit that you did not authorize; credit inquiries that you did not initiate; charges that you did not incur; and defaults and delinquencies that you did not cause. Check the identifying information in your credit report to be sure it is accurate pay particular attention to your identifying information like your name, address, and Social Security number. Make sure that you recognize every line of information established in your file. 2. Social Security Report Additionally order your social security earnings and benefit statement once a year so that you can check to make sure your earnings are correctly recorded. If the numbers are inflated it maybe because someone is using your Social Security number for employment. (Note - The Social Security Administration now automatically mails these statements annually to all eligible workers age 25 and older). 3. Checks Call the payees of any outstanding checks that you are not certain you wrote. The payee is the person or business to whom you wrote the check. Explain to each payee that you are the victim of identity theft and that you have to close your checking account for that reason. Ask each payee to waive (forgive) any late payment or returned check fee. Then send each payee a replacement check drawn on your new account and stop payment on the check that it replaces. It's a good idea to enclose a note with each check explaining why you are sending a replacement check and reminding the payee that the payee has agreed to waive the late payment or returned check fee. 4. Mail If you are traveling be sure to stop your mail delivery at the post office, rather than having it accumulate unattended in your mailbox. If you do not receive your credit card statement on time or if you do not receive a new or renewed credit card when you expect it, your mail may have been stolen. If you notice your mail is dwindling, check with the post office to see if they have any change of address posted. If a change of address request has not been filed at the post office check if one has been filed with the creditor. Guard your mail from theft. Deposit outgoing mail in post office collection boxes or at your local post office, rather than in an unsecured mailbox. Promptly remove mail from your mailbox. Install a lock on your mailbox if you live in an area where mail theft has occurred. This will reduce the risk of mail theft. 5. Good Record Keeping Be sure to keep a list of all your credit card account numbers, expiration dates, and telephone numbers of the customer service and fraud departments in a secure place, not in your wallet or purse, so that you can quickly contact your creditors in case your cards are lost or stolen. Make a list of, or photocopy, all of your credit and debit cards. For each card, include the account number, expiration date, credit limit and the telephone numbers of customer service and fraud departments. Additionally be sure to store a list of bank accounts in secure location, along with access numbers. 6. Lost or Stolen A thief may steal, or the consumer may lose, the consumer's purse or wallet. The thief then may use the consumer's stolen personal identification information to obtain credit in the consumer's name. 7. Collection If you receive calls from collection agencies or creditors for an account you don't have or that is up to date. Someone may have opened a new account in your name, or added charges to an account without your knowledge or permission. Financial account statements show withdrawals or transfers you didn't make. A creditor calls to say you've been approved or denied credit that you haven't applied for. Or, you get credit card statements for accounts you don't have. You apply for credit and are turned down, for reasons that do not match your understanding of your financial position. 8. Notebooks Laptops and notebooks are treasure troves of useful information. Be sure to password protect any sensitive information. When creating passwords and PINs (personal identification numbers) do not use any part of your Social Security number, birth date, middle name, spouse's name, child's name, pet's name, mother's maiden name, address, telephone number, consecutive numbers, or anything that a thief could easily deduce or discover. For tips on strong passwords refer to: http://www.password-software.com . Avoid using an automatic log-in feature that saves your user name and password; and always log off when you are finished. 9. ATM/ Credit Cards If your ATM card has been lost, stolen or otherwise compromised, cancel the card as soon as you can. Get a new card with a new PIN. If you suspect unauthorized use, contact the provider's customer service and fraud departments immediately. Never give out your credit card, bank account or Social Security number over the telephone unless you placed the call and you have a trusted business relationship with the business or organization. Place passwords on credit cards, bank and phone accounts. Avoid using easily available information like mother's maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers. Cancel your unused credit cards so that the accounts will not appear as being "open" or "active" on your credit report. Shield your ATM or telephone key pad when using an ATM or making a phone call with your phone calling card. Some shoulder surfers' use binoculars or video cameras to record your numbers. If you use ABMs or point-of-sale terminals, always shield the entry of your PIN, and never give your access code (PIN) to anyone. Choose a PIN that can't be figured out easily, as you could be liable if you use a PIN combination selected from your name, telephone number, date of birth, address or Social Insurance Number (SIN). Remember that no one from a financial institution or the police will ask you for your PIN. Always take credit card, debit card and ATM receipts with you. Never throw them in a public trash container. ear them up or shred them at home when you no longer need them. 10. Trash One person's trash is another person's treasure. Shred documents before throwing them away. Be sure to shred credit card statements, bank statements, pre-approved applications, any important papers with identifying numbers. Memorize ALL passwords and PIN numbers. Keep them private. Some thieves create identities by retrieving personal information in your garbage or recycling bin by "dumpster diving". 11. Public Information Some thieves use public information, Searching public sources, such as newspapers (obituaries), phone books, and records open to the public (professional certifications). Consider not listing your residence telephone number in the telephone book, or consider listing your name and residence telephone number without an address. If you decide to list your name and telephone number, consider not listing your professional qualification or affiliation (for example, "Dr.," "Atty.," or "Ph.D ."). 12. Online Banking After completing a financial transaction or online banking, make sure you sign out of the Web site and clear your Internet file/caches (Internet files are retained in your computer automatically and thus should be cleared so that hackers cannot obtain the information). Most financial institutions provide instructions on how to clear the caches under their "security" section. Look for "https" in the URL header and a padlock icon on your Internet toolbar at the bottom of the screen; both indicate that a secure connection is in effect. With Microsoft Internet Explorer, click Tools then Internet Options. On the General tab, click Delete Files, Delete Cookies and Clear History buttons. 13. Posing Do not release any information to anyone calling. Thieves often pose as a creditor, landlord or employer to get a copy of your credit report or access to your personal information from other confidential sources.

Cleaning Your Registry And Increasing Computer Speed

Registry cleaner is the software that cleans up the registry of a computer to optimize its performance and sped. Registry is the place on a computer where the vital data on its configuration and the installed programs are saved to enable the operating systems to make use of the same. It is an applet within the pack of the operating system. It keeps a log of the activities of the P.C. and can be well compared with a concurrently updated check list of the performance list of the system. In the normal usage of computer like addition or deletion of software, or installation of hardwires or if third party intrusion programs like spy ware or ad ware is running then your registry need to be repaired.

Registry cleaners are a must to protect your systems from malicious programs and harmful processes.
One has to be very careful in editing the registry and calls for basic computer awareness. The first and foremost precaution before any registry cleanup is to take a back up of the registry. This facility is supported by all registry cleaners. Negligence to clean up the registry where the system is severely affected by third party programs and consequent slowing down and related problems may reduce even the life of the computer. Hence it is imperative that you spend a few dollars and time on the registry cleaners to save you from future embarrassments. While most of us are familiar with the anti virus and anti spam firewalls etc perhaps due attention is not given for registry cleaners.

Registry cleaners helps run PCs at optimum efficiency as it takes care of the potential dangers caused by spyware adware etc. that runs in the background of computer and slow down the same besides monitoring your internet activity .Registry cleaners also fix the inherent problems of the systems . There are free registry cleaners available on net. However it is well advised to go for a priced professional program to have good technical support.

Cleaning and Organizing Your Computer

It is a good idea to think of your PC as an office. It stores files, programs, pictures. This can be compared to an actual office's files, machines and decorations. The operating system is the boss. With this image in mind, think of an office you've visited that was slow and inefficient. There were probably many different reasons for the inefficiency. This is the same with a computer. There can be many items that slow down your computer. Perhaps the one most commonly overlooked is disorganization and clutter.

Disk Cleanup

An office can accumulate a lot of unnecessary files, machines, and decorations. This is the same with your computer. One of the best ways to keep this clutter under control is to perform a cleaning utility periodically. In Windows this cleaning utility will be called a "disk cleanup." It removes a variety of unnecessary files depending on the options you have selected.

To perform a disk cleanup on Windows XP you can simply click on "my computer" under the start menu. Than right click on your "c drive" or "hard disk" and choose properties. Than click "disk cleanup" and follow the prompts. When selecting files to clean up, or delete, Windows will give you information to help you decide. When looking over the list of file types, you would simple click on the name of the file type and read the description placed below in the description area. This will let you know if the files can be safely deleted. To select the file group just check the box next to the group name. When finished selecting press "OK" to finish.

Now, performing a disk cleanup is not very time consuming, just a couple minutes, and it may save more time in the end by making your computer run faster. However, a disk cleanup should be run periodically rather than just once in a great while. One way to make this run periodically is to make it a scheduled task. This will allow your computer to run it automatically with intervals and time of day determined by you. Yet, you can always run it yourself periodically without creating a scheduled task.

Add or Remove Programs

The information given above can help you get rid of some unnecessary files, but you may also need to clean out some unnecessary programs as well. This can be done using the "add or remove programs" utility in Windows. This is located in the control panel and lists all of your currently installed programs along with an option to uninstall them. It is a good idea to browse through the add or remove programs utility every once in a while just to make sure that all programs are of usefulness.

If there are programs listed that are no longer used, you can simply highlight the program and click the uninstall button. Windows will than begin the process to uninstall the program. In most cases, to finish uninstalling a program, it is wise to restart your computer. This will dump and files that are held temporarily.

The add or remove programs utility is very useful, but not all of the programs are listed up front. Programs that come pre-installed on your computer and the Windows operating system can also be uninstalled. For instance, Outlook Express is a default e-mail program that comes with the Windows XP operating system. If you do not use this e-mail program you can uninstall it. Click "add or remove windows components" found in the add or remove programs utility and simply follow the instructions.

Defragment

Many offices contain a large number of files and programs that are valuable and cannot be thrown away. In fact, they may contain files that are not even used, but still have to be retained for some reason. Although these files must remain in the office, they need to be organized. This is why we create file folders that hold groups of files that are related. Than we store them in cabinets that are arranged in alphabetic order.

In a computer, the files that are saved are placed on the hard drive. However, they are placed according to the time that they were saved. So, if you open a word document and save the file as "file A" and than open another document and save it as "file B", you have a "file A" placed next to "file B." This is fine, but if you open "file A" later on and save it again, than the added information is saved next to "file B."

When files are broken up this way it is referred to as a fragmented file. This means that the computer must find the first part of the file and then find the second part of the file to open that one word document. This can make your computer run slower. However, Windows has created a utility that is meant to rearrange files so that they are no longer fragmented but sit right next to each other.

You can run the disk defragmenter by selecting "all programs" under the start button. Next, select "accessories" and "system tools" and you will see "disk defragmenter." In fact, this is also an alternative way to select the disk cleanup mentioned earlier. Before starting the defragmenter you can analyze your hard drive to see if Windows recommends performing the defragmenter. It will either say that you should or should not defragment at this time.

If you need to defragment your computer, simply hit the defragment button. It may take your computer a while to finish this task depending on the speed of your computer and the amount of defragmented files. It could take from about 15-30 minutes or more. However, you can still use the computer while the disk defragmenter is working.

PDA Maintenance And Security

A greatly overlooked element of owning a PDA is that you actually need to take care of them if you want them to last. For most people this will mean two things – getting some software protection for your PDA and getting it a physical case to stop it getting knocked around. As everyone knows, desktop and laptop computers need to be protected with firewalls and antivirus software. With so much malware, spyware and adware around it is pretty much a necessity. Unfortunately the same thing has to be done for your PDA. A good money saving tip is to search for software that can be used on both your computer and your PDA. There are tons of options available with Avast4 PDA Edition and Airscanner software both being very popular choices for protecting PDAs. Installing this software should be very high on your agenda when getting a new PDA as an unsecured device is just as vulnerable to attack as an unsecured PC. The other thing you will need to consider is some physical protection for your PDA. The fact is that PDAs will get knocked around a lot in general use (even more if you are a PDA addict!). For this there are luckily an incredible amount of choices. You can go with a soft case or a hard case. The choice should really depend on how heavily you use the PDA – with heavier users perhaps being well-advised to stick with hard cases. Soft cases are fine for general users, but obviously they will not stand up to the same level of abuse as a hard case. Of course having a cool looking case is important too! Luckily there are no shortage of funky cases either! By protecting your PDA both physically and from a software point of view you will extend its effective life significantly. As with any investment it is wise to protect it and get your money’s worth!

Citation Machines

What are citation machines? As per definition, “citation machines are web tools designed to assist teachers/ writers in modelling the proper use of information”. It may look as a complete definition to the common reader – but it actually does not say much. The first time someone mentioned “citation machines” phrase to me, I was stumped. And I am a regular user of the net, with a moderate knowledge of the Internet and surfing. So, in order to understand the term, ‘citation machines’ better, I decided to dig a little deeper and see if I get more clarity on its definition and uses.

I found out that what makes the today’s citation machines, was first the brainchild of David Warlick who designed this web tool in October 2000. It has been re-designed with a major facelift in January 2004. The main reason for which it was first brought into existence was to systematize the use of information, but it slowly turned a very useful tool to control plagiarism. It is nowadays used by writers specifically to prove that the material they have used is not plagiarised – which is course is very tempting with the open use and access to the million of resources on the Internet.

It seems the citation machines are very easy to use and are a delight to the writer because of their versatility and fantastic knowledge resource base. It also makes one understand documentation process. In order to get the best from the citation machines, you have to choose carefully whether you are using print material or electronic material. IT usually guides you through a menu where you indicate your choices after which the citation machines give you the possible resources. You may use as many as you need.

You should be careful about while using the citation machines with regard to the accuracy with which you fill in the required blanks. If you leave too many without answer, the accuracy of the result from the citation machines will be very poor. Another important point to feed is which literary method of writing you are following, i.e. MLA (modern languages association) or the APA (American psychological association). When the citation machines throw up the results, if you have filled in the information correctly and as exhaustively as possible, you will need very little formatting.

It if very difficult to really format the results afterwards, so it is a good thing if you review the information entered before you enter the search. “Show My Citations” button will help you check and verify your results with your work. It is important here to note that once a citation is submitted and it cannot be changed.

Remember to save your work in word file after checking out the citations thrown up by the citation machines.

The citation machines are extremely useful when one needs to submit a professionally written article, or report. It is fast, convenient and very exhaustive in its resources. As I mentioned earlier, today it is also used as an anti-plagiarism tool as it indicates the sources used for any information given, in any article.

Phishing with a Net

When geeks gave us the Internet and the means to use it, they also gave us a new segment of vocabulary ... I've often thought it a shame that a few of them didn't make their way to a campus literature or marketing department and see if a student of poetry or sizzle could assist them in assigning names to their innovations. For example, did the manual cursor operator have to be called a 'mouse?' Geeks have overtaken sports-speakers when it comes to coining bad phrases. I've never understood why basketball types say a player 'kicks out' a ball to a teammate on the perimeter when his feet never touch it. Worse yet, I've always wondered if a gridiron football player would really want to dive on the ball if the carrier truly 'coughed it up!' That bit of literal imagery is more revulsive than handling a mouse. Do these guys really think about what they're saying? There is one instance, though, where the geeks thought it through and got it right. 'Phishing' is a perfect connotation for cyber-cons who troll for prey. The word's spelling distinguishes this nefarious activity from a sporting endeavor, but it's still a game. The definition that's been developed for it is "a technique used to gain personal information for purposes of identity theft, using fraudulent e-mail messages that appear to come from legitimate businesses. These authentic-looking messages are designed to fool recipients into divulging personal data such as account numbers and passwords, credit card numbers and Social Security numbers." Another term that alludes to the emotive consequences of cyberobbery is the perjorative sense of 'hacker.' That bit of etymology seems to be a work in progress. The accepted definition refers to "individuals who gain unauthorized access to computer systems for the purpose of stealing and corrupting data." However, the added qualifier is, "Hackers, themselves, maintain that the proper term for such individuals is cracker." Being hacked or being cracked makes little difference to those on the receiving end. They just know they've been had. Understandably, their first impulses are to get mad and want to vent. My contention is that, most of the time, they're lashing out in the wrong direction. After all, crooks are crooks; that's their job and they're out there in numbers. That's not going to change anytime soon. These victims need to take a hard look at themselves. The economics of law enforcement --- in cyberspace or elsewhere --- limits what can be investigated and prosecuted. Thus, smart spoofers often keep their 'take' per scam campaign at levels sufficiently low that the cost of prosecuting them is not viable. Then, they change their coordinates, plus their identities, and do it again. So, obviously, the most important factor in cyber-diligence is self-precaution. Most steps are basic, as evidenced by the checklist on the USA government's Federal Trade Commission website: "If you get an email or pop-up message that asks for personal or financial information, do not reply. And don’t click on the link in the message, either. Legitimate companies don’t ask for this information via email. If you are concerned about your account, contact the organization mentioned in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company’s correct Web address yourself. In any case, don’t cut and paste the link from the message into your Internet browser — phishers can make links look like they go to one place, but that actually send you to a different site. "Use anti-virus software and a firewall, and keep them up to date. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge. "Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files. Anti-virus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones; that can effectively reverse the damage; and that updates automatically. "A firewall helps make you invisible on the Internet and blocks all communications from unauthorized sources. It’s especially important to run a firewall if you have a broadband connection. Operating systems (like Windows or Linux) or browsers (like Internet Explorer or Netscape) also may offer free software 'patches' to close holes in the system that hackers or phishers could exploit. "Don’t email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organization’s website, look for indicators that the site is secure, like a lock icon on the browser’s status bar or a URL for a website that begins 'https:' (the 's' stands for 'secure'). Unfortunately, no indicator is foolproof; some phishers have forged security icons. "Review credit card and bank account statements as soon as you receive them to check for unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances. "Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them. These files can contain viruses or other software that can weaken your computer’s security. "Forward spam that is phishing for information to spam@uce.gov and to the company, bank, or organization impersonated in the phishing email. Most organizations have information on their websites about where to report problems. "If you believe you’ve been scammed, file your complaint at ftc.gov, and then visit the FTC’s Identity Theft website at www.consumer.gov/idtheft. Victims of phishing can become victims of identity theft. While you can't entirely control whether you will become a victim of identity theft, you can take some steps to minimize your risk. If an identity thief is opening credit accounts in your name, these new accounts are likely to show up on your credit report. You may catch an incident early if you order a free copy of your credit report periodically from any of the three major credit bureaus." If you use e-currency or e-payment services, be aware that they are usually not liable for any of your losses if you've been hacked or cracked due to identity-theft issues. All reputable services have support divisions that investigate any complaints of spoofing --- for example, Paypal asks you to mail them at spoof@paypal.com if you receive a suspicious message using their name --- and if anyone is going to pursue, or at least keep on file, complaints of any amount, it will be them. Virtually all e-currency services offer options of 'virtual' keyboards for logging in to accounts. They may be a bother, but they are very effective at adding a formidable obstacle for cyber-invasion. Then, whether or not you took this step to access your account, make sure you take the time to actually log out of your account, as opposed to merely clicking away to your next site. I note that the Longer Life site has two very good preventive products as sponsors, Kaspersky Labs and Identity Guard. They are first-class products and well worth your while to consider. This stuff doesn't take long to research or to implement and you don't have to be a geek to do it. You don't even have to know their their terminology. Instead, when you're done, you can confidently refer to a familiar term in both sports and banking: Safe.