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How to Fortify Your Passwords



With phishing scams sweeping across the Net, including recent Facebook and Twitter attacks, it's important to take extra measures in protecting personal information from identity thieves. One method of avoiding phishing traps and hackers is to ensure that your passwords are virtually undetectable.

Riva Richmond, in the New York Times, outlines some easy and effective ways to secure passwords and make them harder to decipher. Important precautionary measures include using different passwords for different online accounts, specifically banking and bill-paying sites, and also using as many characters as possible in the password. Also, don't use easily obtained personal information, like birthdays, or street or pet names. Instead, try using obscure references, like a character or line from a favored book or song. Mix in symbols and numbers as well, in order to add another level of difficulty. If you love 'The Office,' you could use "dw1ght$833tf@rm," which translates into "Dwight's beet farm," or, if you're a sci-fi junkie, you could try "m0nt@g45I," which refers to the character Montag in the novel 'Fahrenheit 451.'

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Web

Demand Remains High for Stolen Personal Data



While few businesses have made it through the current financial crisis unscathed, certain "entrepreneurs" continue to be successful: scam artists and con men. It can be difficult to stay abreast of such crooks' rapidly changing ploys, such as the recent phishing scam that promised expedited government stimulus checks, so we all need to exercise extreme caution whenever we are asked for personal information.

According to the security software firm Symantec, the demand for credit card and Social Security numbers, along with other forms of personal information, remains high, while new phishing scams continue to emerge. Some troubling statistics back up their assertions. From 2007 to 2008, Web sites hosting phishing scams increased by 66-percent. According to another study by Gartner, Inc., five million U.S. citizens lost money to phishing scams between September 2007 and September 2008, a 40-percent increase over the previous year.

For protection, consumers need to not only keep their anti-virus software up-to-date, but to also be wary of enticing new "opportunities." One scam which recently hit the Net preys on people's fears of the recession and the housing slump by offering bank-related benefits, such as low-interest loans and mortgage refinancing. According to Symantec, such scams comprise 75-percent of the phishing e-mails they investigated.

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Computers

Bogus Stimulus Promises Turn Out to Be Phishing Scam

We all need to remain constantly aware of the new and more ingenious ways that cyber-criminals are phishing for our personal information. Taking advantage of the current economic climate and the new government stimulus package, con artists are now offering promises of increased and expedited stimulus earnings.

Hustlers lure their hopeful prey with messages directing the target to a Web site where, after paying a registration fee, the purportedly legitimate company will file benefit-seeking documents on the victim's behalf. Once hooked by the scheme, the mark is harangued into paying additional fees and fraudulent charges.

This scam can be particularly damaging because the people most likely to take a chance on promises of money are typically those who can least afford to lose it. Because of this scam's potentially widespread, negative repercussions, both the Federal Trade Commission and the Better Business Bureau have joined the fight against this manipulative scheme.

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