Even if you don’t think you’re a target for identity theft online, it’s still easy to fall victim to various scams especially if you’re not aware which ones they are. The truth is, even if you live millions of miles away from your potential hacker, he or she can still get to you within mere seconds. The hacker doesn’t even need to know who you are. The moment you make a small slip-up, these online vultures will sweep whatever information is wide open and use this to break into your bank accounts, control your webcam, and access your personal files.

Unfortunately, even as security experts devise sophisticated ways to deal with online threats, criminals are also developing tech that’s equally fancy. This constant race to hack and protect Internet users is the reason why individuals should arm themselves with the right information and tools to help themselves and reinforce shielding efforts. The point is, if individuals are extra vigilant about their own protection, hackers will have a hard time breaking and entering.

Here are 10 ways to hack-proof your online activity.

1. Use complicated passwords.

This will never get old and you’ve probably heard this being said repeatedly before. However, choosing the right password is one of the most powerful lines of defense you can set up against hackers. Also, using just one password for all your accounts is similar to giving your attacker the key to all your wealth online. The hacker can use whatever data he or she got from one successful hack and use that to access your other accounts.

Don’t make it easy and always use a unique password for each one. Security experts recommend using not just a word but a phrase to unlock your accounts. For example, instead of just using Cats888 for your password, why not use “ILoveCatsLikeMyLife” or “MyCatWasBornOnDec25.” Both are easy for you to remember but difficult for hackers to guess.

2. Delete accounts you no longer use.

Old accounts contain more sensitive information about you than you realize. This is because these were created at the time when Internet security wasn’t really a huge threat. Back then, people were just starting to appreciate the power of the online world. It was easy to exchange information because we didn’t really think it was unsafe. Of course, things are different now — and the smart thing to do is to delete all those past “mistakes” before hackers find them.

3. Encrypt all of your messages and sent files.

“Encryption” is no longer a word that’s exclusive to spies, like in Hollywood movies. End-to-end encryption is necessary for regular folks like us. What it does is scramble messages so only the person they were intended for is the only one who can read it. There are plenty of software and apps that automatically encrypt your files for you, so that in case your flash drive or file lands in the wrong hands, you know your information is safe.

4. Use a two-factor ID system.

This happens when there is at least two steps required to verify your identity, so even if the hacker gets hold of your password, it’s harder to access your files because there’s another “door” that needs to be unlocked. For example, when you log into your account online, the system also sends a code to your registered mobile phone to complete the verification process. Most online accounts now have this feature, so check if yours has been updated to use it.

5. Be careful about the things you click.

Don’t open the door danger by clicking carelessly. Majority of today’s online threats are brought about by social engineering or phishing scams. This is when you are tricked into revealing sensitive information, like your bank account number, house address, social security number, and the like. Others come in the form of “free” offers, online quizzes, prizes, and phony controversial sites. As a rule, if you get an email asking you to update your information, call the company and verify if such an email has been sent before typing anything in.

6. Use a firewall.

This should be activated, even if you already have a network security system in place. A firewall is a barrier that disables unauthorized access to your devices. If you do trust the source, you can selectively unblock your firewall for that particular site only.

7. Be smart about surfing and shopping.

Look for sites that have “https” on their URLs instead of just “http.” The former comes with a padlock icon on the address, as well. This is a sign that it is secure and makes use of encryption software to scramble your data so others can’t read it. Also be careful about missing letters or transposed letters on website addresses. They are likely mirror sites posing as legitimate ones and just out to get your financial information.

8. Protect your mobile life.

Whatever security practices you apply to your computer should be the same on your mobile gadgets. Be careful about messages that ask you to download certain apps and send you links. Even if the message is from a friend telling you to click a link, ask about it first before clicking. If it’s a malicious link, chances are your friend has been compromised and the worm is trying to get into your system next.

9. Power up your network security.

Make sure that you have secure connections. You might be tempted to use public Wi-Fi when you’re out but be aware that these channels are often unsecured, making it easy for hackers to access your data. This is why security experts recommend using a virtual private network (VPN). VPN is a type of software that sets up a secure link over the Internet, so you can connect from anywhere safely.

When it comes to your Internet security, the best practice is to keep your guard up and educate yourself on the latest scams and tools to protect yourself. Always take a proactive, defensive approach whenever you go online and make sure to back up your data regularly. By employing preventive measures, you can save yourself from all the stress and trouble in the future.

Living by your lonesome can be both a liberating and a nerve-wracking experience, especially if you’ve just recently tried to be independent. If it’s your first time in a new home and there’s nobody to nag you about getting up or ask what time you’ll be home (AKA your parents), being in the silence of a person-less house can take some time to get used to. This also means you should take extra vigilant steps to make sure that you are safe and secure.

Before, you relied on your parents to conduct a full sweep of the house to make sure doors and windows are locked before turning in for the night. They were also the ones who got paranoid about installing security systems all over the yard and main entryways. Now, it’s your turn. Because you are living alone, the need to ensure that you come home to a house that is safe and secure is all the more pronounced.

Understanding Personal Security

Personal security is taking proactive steps to protect yourself from potentially dangerous situations and people. It is important because while property can be replaced or repaired, human life certainly can’t. In addition to the popular methods of preventing crime, personal security involves knowing how to spot, anticipate, and assess the risks around you. Because you are living by yourself, whether in a house or in an apartment building, you must be extra aware of your surroundings all the time, and never place yourself in situations where you might be compromised.

Here are 10 ways to help you feel much safer at home when you’re living alone.

1. Lock your doors.

You might think you live in a very safe neighborhood and your building might have a security guard downstairs, but you can never really be sure. As you enter your house, make it a habit to lock the door behind you immediately. Security experts say it’s best to install a dead bolt as reinforcement. Don’t just rely on the lock-and-key system that your unit originally came with. Dead bolts can be purchased from hardware stores and can be easily installed without help.

2. Close the blinds and turn your outside lights on.

When it gets dark outside, you become more visible from the inside. Thus, you should make sure that your blinds or heavy curtains are drawn when you’re in the house. Also turn your exterior lights on to deter anybody who doesn’t want to be recognized from even attempting to go near your door.

3. Be friendly with your neighbors.

You don’t have to host slumber parties and poker nights to be friendly with the other people in your neighborhood. A simple nod and smile regularly is enough for you to recognize each other, so you can also help identify unfamiliar faces lurking in the area. Friendly neighbors will help keep an eye on your property when you are not around, as well. It’s nice to know someone’s looking out for you, especially when you’re living solo. Who knows, your neighbors could turn into your best friends later.

4. Don’t leave a spare key outside.

Everybody knows to check above the door, under the flower pot, or under the welcome mat for a spare key into the house. Outsmart burglars by not leaving anything that can help them go inside at all. Instead, you can leave your spare key with a trusted neighbor or a family member.

5. Get a dog.

A pet dog not only makes for excellent company when you’re living solo, he or she will also be your hyperactive alarm system in case somebody tries to break in. Even if you’re not at home, a dog will scare intruders off and drive them away. You don’t have to have large dogs just ward off burglars. Even a small chihuahua has a massive and noisy bark that will make it hard for criminals to carry on with their plans.

6. Have a check-in plan.

It’s important to let somebody know of your basic daily routine, whether it’s a family member or a friend. If you are going to be traveling, be sure to inform a close neighbor or your loved ones about that, as well. You can also let someone know about the typical times you get home from work, so that this person will notice when you haven’t been following your routine and start checking up on you.

7. Call a friend or a family member.

It’s nice to have someone to talk to when you’re feeling scared about living alone. It doesn’t take much to connect with friends and family. Simply pick up the phone and chat about how your day went and whatever else to help you feel calm and secure. On some days, you can even invite a friend over to spend the night or hang out so you don’t always have to just watch TV and do nothing.

8. Install a home security system.

Install a home security system to help you feel safer when you’re in and outside of your home. Pay attention to all points of entry and make sure to keep your place well-lighted. There are security systems that you can even control and monitor using your smart phone or tablet. So that even when you’re at work or are out traveling, you can see what your home looks like in real time. You can also set it up so you receive instant notifications in case there’s an attempt to enter your property. The system can also send the same alerts to the authorities.

9. Never open the door to strangers.

Always verify the identification of service and sales people and other visitors before letting them in. Security experts recommend that you install a peep hole on your door or a security camera facing your front door, so you can ask questions before actually opening it. They also advise against using chain locks, which do not really help stop entry if the attacker is extra aggressive.

10. Take a self-defense class.

The more you know about security, the better you will feel about living on your own. Thus, you should not only equip your home with safety measures but enrich yourself, as well. Enrolling in a self defense classes gives you leverage when there’s an attack on you. Besides, these classes are not just practical, they are fun, too.

Overall, you don’t have to be helpless when you’re living solo. In fact, it helps you become all the more empowered to ensure your safety. By equipping yourself with the right tools and right knowledge, the more confident you will be about coming home to an empty house. The key to feeling secure when you’re living alone is to feel that you are in control. Of course, in addition to these tips, you should have the local authorities on speed dial in your phone, so you can easily access them in case there’s a threat.

Anybody can be in an emergency situation and the latter can happen at the most unexpected times. This is why it is important for you and the rest of your family to know the basic procedures to handle some of the most common incidents. Knowledge of first aid and how to administer them can save a life. However, in the US, statistics show that as much as 70 percent of Americans do not know what to do in case something does happen.

Are you and your family ready? Let’s have a look at some of the most common emergency situations and what you can do to address each one immediately. Take note that while these procedures are recommended and necessary, the more important thing you should do before performing any of these is to call 911 first or ask somebody to call an ambulance while you get started. With that established, here are six procedures that everybody should know.

1. Perform CPR

This is one of the first things that come to mind when it comes to “life-saving skills.” Cardiopulmonary resuscitation (CPR) is a technique that could make a huge difference to a person who is suffering cardiac arrest. It’s better to get training from a licensed emergency services specialist and practice the moves beforehand, so that when the time comes that your skill is needed, you are ready. Even just watching a one-minute video about CPR can already help make you better at thir procedure.

2. Help someone who is choking

The Heimlich maneuver is the most popular way of relieving a person who cannot breathe due to a blockage in the airway. Some restaurants post illustrations and photos demonstrating how to do this procedure because choking happens while one is excitedly eating. However, not every place has these guides available. This is why you and your family should know what to do.

Note that before performing the Heimlich maneuver, you should first strike five blows to the person’s back using the heel of your hand to dislodge the food or object that’s blocking the air passage. If that doesn’t work, that’s the time you do the signature abdominal thrusts. Choking not only happens to people who are eating. It can also happen in children and infants who are prone to putting random stuff in their mouths. There are different techniques for adults and children, so train your family to do both.

3. Burn

For minor burns, you can immediately address the problem by running the affected area under cool water for at least 10 minutes. Then, get a moist towel to help further cool the skin. Do not put ice, or anything else on the burnt area and simply cleanse it with mild soap and water. For the pain, the person can take meds to manage it. Just make sure that he or she is not allergic to these drugs, or else you end up with a bigger problem.

Simple burns do not require dressings, as well, and just need to be aired out. Just make sure that open wounds are not contaminated so you don’t escalate the problem. Of course, if it’s a major burn, you must call for medical help right away or rush to the nearest hospital to be treated by a professional.

4. Bleeding

Bleeding can come in different forms, ranging from a simple scrape to the dangerous arterial type. In any case, the goal is to stop the bleeding ASAP and prevent further loss of blood. To address a bleeding issue, wash your hands and put on gloves (or a clean plastic bag) first to avoid contaminating the area. Elevate the site of the bleeding and remove any obvious debris and dirt from the wound. If there’s a large object embedded, do not touch it and just wait for medical professionals to handle it.

Apply pressure on the bleed site with a bandage or clean cloth for at least 20 minutes. During this period, do not open the cloth to check if it has stopped. Just wait until the time has passed before looking. If the bleeding doesn’t stop and there’s arterial damage, apply pressue on the artery itself and squeeze it against the bone, while ensure that your hand continous to apply pressure on the wound itself.

5. Heart attack

Because a heart attack is life threatening, knowing how to spot signs of an impending attack and how to deal with it when it does happen is crucial. Signs includes dizziness, pain in the neck, shoulder or arm, chest pain, shortness of breath, and nausea/vomiting, among others. When you spot someone with these telltale signs, immediately call 911 or have someone do so. You can offer aspirin if available because it can help reduce the damage, then perform CPR when the person loses consciousness. Do this until emergency service arrive and takes over.

6. Carrying someone bigger than you

There might be times when there’s another person hurt and only you can help bring him or her to safety. If that person if heavier than you or you are not that strong, you can still lift him or her without hurting yourself while doing it. What you can do is take the person’s arm and pull it over your shoulder. Then while crouching down or kneeling, have his or her middle part rest on your shoulder to hang. Thrust upwards using your hips and legs. Do not lean forward as this can cause injury on your back. You can practice this technique with children or small people first, just so you get the hang of it.

Hopefully, you or your family will not be in a situation that requires knowledge of emergency procedures. However, arming your loved ones with these skills makes you better prepared to handle them when they do happen. In addition, practicing these procedures as a family or a team can help bring you closer together because it’s a wonderful way to bond.

Social media has changed the way we interact with friends and family. In fact, it seems it has helped bring people together by allowing us a peek into their daily lives and special moments. However, our accounts have also made us more vulnerable to people who want nothing but to cause trouble. While social networks like Twitter, Instagram, Facebook, and YouTube play a significant part in our lives, they have also exposed us to security threats.

There are hundreds of millions of Internet users all over the world. And while these tools are great for keeping tabs on people we care about, they also attract those who want to know us for the wrong reasons. It’s not just on a personal level. With more businesses opening up accounts and using these as advertising platforms, the connections made via Likes and Comments on public spaces can open doors for criminals. Some click-bait schemes are even posing as “legitimate” pages to get information out of unknowing individuals.

Here are seven threats to security we should watch out for when using social media.

1. 1. Who Viewed Your FB Profile?

This scheme is clever because it preys on your natural curiosity. This usually appears as a message posted on your friend’s wall via accidental spamming or through ads. The moment you click on this, spammers gain access to your account and the people on your network. Even if you see this sent by your friends, don’t fall for any link unless you get verification that it’s legitimate — but this one certainly isn’t.

2. Instant Twitter Followers

Avoid tweets that offer to give you “instant followers” by clicking a link. While a large following will lend more credibility to your online image, especially if you’re a business, a simple one-time authorization can lead to an attack on your entire profile. Scammers know exactly what you need online and they will exercise all means possible to get you attracted and clicking away. This is one such scheme that is so tempting, but know that it can and WILL compromise your security.

3. The Facebook Color Changer

Apps that promise to get you out of that boring blue Facebook profile and turn it into a rainbow complete with “confetti” are a scam. Clicking this offer will lead you to phishing sites where you are asked to either enter your information, share the same “fun” app with your friends, or watch a video (while its bots creep into your account). This can also affect mobile devices, so be wary.

4. “Shocking,” “Outrageous” and “NSFW” Video Scams

We all love controversy and almost any post with these labels are certainly intriguing enough to click. Don’t. This popular bait method is a favorite among cyber attackers and scammers. They present outlandish titles that promise explicit content to get attention and sometimes even controls your account to create a “viral” frenzy. When you click it, you will be led to fake websites or random surveys that ask you to enter information. Take note this can ruin both your social media account and your computer.

5. Naked Video Scams

Similar to number 4, this preys on one’s curiosity. But, more importantly, it is an invasion of privacy. This scam poses as an “interesting”

video but all it leads you to, really, is a fake site that will plant malware on your system. It will usually say that your Flash player crashed so you can’t view the video and will need to “update.” Now that you’re wiser, stay as far away as possible from these things. They usually contain a Trojan virus.

6. The “Just Saw This Photo Of You” Scam

the general content of this type of scam. This “invasion” on your personal space preys on one’s paranoia so you will feel compelled to click. Again, DON’T. It will hijack your account and spam your followers, making YOU the purveyor of the scam. Reportedly, this malicious post also installs spyware on your computer.

7. Bogus Pinterest pins

Normally, people wouldn’t think Pinterest would be a target for hackers, but cybercriminals really know no platform and prey on everything. Users will be asked to click on fake pins that eventually ask them to answer “surveys” or lead them to phishing websites. These bogus pins usually come in the form of promotions, contests, or freebies that seem to come from legitimate brands. But, a closer look at the account will reveal one or two letters off. Once you click, this malicious code gets downloaded to your system and start spamming your network.

Protecting Yourself On Social Media

Of course, while these scams are easily avoided, one major issue about one’s security on social media is forgetting to change your settings to “Private” and oversharing information. Make sure that only your friends see your updates and posts. Sift through your Friends or Followers list to see if there’s an account you don’t know or have accidentally friended people you’re not really familiar with. Avoid updating your account with your whereabouts every time you move so criminals won’t know where you are or are not alerted that nobody’s home.

When it comes to your security on social media, majority rests upon you being extra careful and vigilant. Our social networks are a fun way to update friends and family, but if you’re not watchful, you could also be giving criminals the same sensitive information. Check the URLs carefully and make sure no letter is out of place, see that the address starts with https:// to indicate it’s encrypted, or run it against a link scanner first before opening it.

Five things you should never, ever share online are your 1) financial information, 2) full address and date of birth, 3) your children’s names and school details, 4) your social security, license, and credit card numbers, and 5) your daily schedule. Knowing what threats make you the most vulnerable and protect yourself.

The Internet is increasingly being a legitimate means of meeting someone for a real-life connection. This also applies in the search for Mr and Ms Right. However, sometimes in our excitement to meet and date somebody we met online, we tend to forego personal safety. Take note that while meeting people on the Internet is fun, it can also be potentially dangerous.

It’s very easy to fall prey to a good feeling, especially when you think you’ve met The One. So when the other party invites you to finally meet face to face, you tend to let your guard down thinking that you “know” the other person already. Some people are lucky and end up with either a love connection or a lasting friendship from an online meetup, but some are not so and end up in deep trouble.

1. Sign up only on reliable and reputable dating sites

There are literally thousands of websites offering to have the right mix of singles that can potentially be the love of your life. And with that vast statistic comes a huge number of fakes and fraud.

ds. There are websites that are created for the sole purpose of duping people, so even if you live in a safe neighborhood you can never really be totally protected.

To be on the safe side, depend only on the larger, more reputable dating sites, such as Tinder, OkCupid, JDate, and more, because these sites have a better system and policy in protecting your private information. Of course, being in a reputable and paid dating site is not a full guarantee of your safety, so you still need to be vigilant.

2. Ensure that your personal information stays private

Being cyber secure is different from being cyber savvy. A detailed Internet search by potential dates will likely reveal your social media accounts, LinkedIn URL, office location, your home address where you “checked in,” or telephone number listed on an ad.

That said, whenever you enter any personal information online, be sure to check those boxes that say your info will be available to you only unless you purposely share it. On virtual platforms, limit the amount of information you reveal about yourself. Your security settings should be set at their maximum level and never ever allow any app

How do you ensure that you are safe without hampering your chances of finally meeting the right person for you? Here are eight way to keep in mind at all times in your search for love on the Internet.

to access and post your location.

3. Do some sleuthing on your potential date

While you shouldn’t be revealing too much about yourself to the other person on the screen, don’t think twice about taking advantage if he or she isn’t protective of his or her info. Google your date, search for his or her social media profiles or if there’s anything posted online about this person. You’ll be surprised by the stories that can get from the results. Some people have found their dates selling an engagement ring on Ebay a few weeks before the Tinder encounter, or revealing how old they really are.

Also, checking their social media posts will give you a better sense of how they really are in person. Because people are less filtered on these platforms, you might spot some traits that are not exactly to your liking, thus, saving you and the other person from wasted time and effort.

4. Talk to the other person before the meet-up

While it’s very tempting to just schedule a first date, it would be to your advantage if you talk on the phone first so you get a better feel. This is the perfect time to vet the other party and you can even ask some pretty awkward questions to see if he or she is the right fit for you. You can even ask if they’ve ever been arrested before. While you probably won’t get a 100% truth, the way the other person will react to your bold question will send off signals on whether you should push through with an actual meet-up.

5. Tell a friend

If after the screening and the phone chat you find that you still like to meet this person, you must let somebody know of your plans to do so. Tell a friend or family member who you’re meeting, where it will happen, and what time you are expected to be home. For added safety, show your friend your date’s photo, contact details, and other pertinent information, just in case.

Create a signal with your friend that includes calling you in the middle of the date to check if you’re all right. If you and your date decide to switch locations, check in by phone. Do this until you are finally safe at home. This seems like a lot of work but it will certainly help guarantee your security. More importantly, if this is your first date, drive yourself home and don’t let the other person know where you live — at least not yet.

6. Seek the safety of a crowd

The first date is a getting-to-know-you stage and while being by yourselves is a romantic way to start things off, it’s not practical. If you both like to go hiking, try those popular walking spots in your community; just don’t go for those remote locations where there’s nobody else and there’s no way to call for help. Better yet, choose a nice coffee shop or a restaurant that offers just the right mix of public and quiet so you can talk.

Reputable dating sites encourage their users to report people who engage in shady practices. This is not just to protect yourself but also to protect other people from possible danger. You can also block a person who is relentless in pursuing you. If after the first date you feel that a second should happen, you should still practice the same safety measures. In fact, because you are meeting a stranger, invites to your home should not happen until after five or more dates have gone by.

Remember that a person who is out to target you will put his or her best foot forward and it is really up to you to catch those signals. If you suspect anything that’s off or something that’s making you feel uneasy, don’t hesitate to cut the cord. If that person starts harrassing you, contact the site’s client services immediately or file a report with the police.

Fraudsters and con artists prey on vulnerable people on the assumption that they are easier to trick into a scam. Elderly family members are a favorite target. Most senior citizens either have their own homes, have a “nest egg,” and/or have stellar credit, making them all the more attractive to criminals.

Rip-off artists go door-to-door to take advantage of this situation by usually claiming they are salespeople who want to perform a demo of their product or a contractor who needs to “check” the integrity of the home’s structure. In some cases, unknowing seniors are manipulated into writing checks up front for certain “products” or “services” or handing cash over. However, as soon as the money is given, they flee and are never heard from again.

High Rate Of Crime, But Only A Few Reported

It is despicable; yet, it happens in the US all the time. This is because seniors are less likely to report being defrauded. Why? Either they don’t know where to file a report and how to do it, are too ashamed that they were scammed or, worse, are still not aware of what happened to them. Some purposely hide the incident for fear that family members will think they do not have the mental capacity to take care of themselves or their finances.

According to the FBI, seniors also tend to make poor witnesses to a crime. Fraudsters are aware that age affects memory quality and will be counting on this weakness so investigators will see a dead end. Victims might also not be aware that they are being conned and will continue to meet up and send money to the tricksters. Some only realize after so many months, or when their finances have been depleted, that they have been scammed.

5 Ways Seniors Can Shield Themselves From Fraud

1. Always look for authentic references.

Rip-off artists will not be able to supply authentic references because they are scammers. Make sure that your elderly family member takes the time to call each of the references listed to confirm credibility. If there are only new references, that should also be signal that they might be fake, too. If somebody comes to the door offering all kinds of awesome stuff but become edgy and evasive when asked for verifiable references, close the door.

2. Never do business with a door-to-door salesman without written verification.

Unless a salesman is able to provide plenty of information about the company and can give a verifiable address, never ever do business with him or her. Emphasize to your family member that if the salesperson refuses to provide information about the company or dodges the question, he or she cannot be trusted.

3. Never supply personal information at the door.

Never let your elderly family members give up personal information about themselves or your household to strangers (or to anybody, for that matter). Scammers will want to know what assets are inside the home, how many people live there, financial details, everybody else’s whereabouts, and more.

This information gives them the opportunity to steal right then and there, or map out a grand scheme. Even if they claim to be from the government or from a certain popular charity, tell the elderly members to never entertain them unless they have IDs and verifiable identities.

4. Never hire anybody on the spot

Con artists who target senior citizens tend to trick their way into getting hired for a job as quickly as possible and to claim payment up front. Sometimes, they will useful aggressive methods just to manipulate the elderly to give them work. Often, they will not return to finish the job or will just disappear as soon as the money is handed to them.

To prevent your family members from becoming victims, never hire any contractor or agree to a payment-first scheme. It should always be work first, payment after. Better yet, take the time to check all references and ask for second opinions before agreeing to hire.

5. Sign up for “Do Not Call” lists

This will prevent telemarketers from calling your home and eventually tricking seniors to buy into this and that scheme. It will be very easy for salesmen to ask your loved ones to give out credit card details over the phone because they’re selling something seniors “absolutely need right now.” Sometimes, telemarketers offering subscriptions to phone friendships can easily trick the elderly, especially if they’re always home alone and need someone to talk to regularly. These unassuming calls may seem harmless but are actually charged by the minute, leaving your loved one with a huge bill from someone he or she thought was sincere.

Protecting Elderly Loved Ones From Scams

The most common scams on seniors involve the sale of products that guarantee a boost in virility, memory function, or physical performance. They can also offer anti-cancer products, anti-aging devices, and so on. In the US, where there are “breakthrough” herbs or drugs being launched claiming to be the solution to all the aches and pains of growing old, con artists certainly have some leverage.

More sadly, some cons made on seniors are by those who are close to them, like another family member out for an early release of their inheritance, or a caregiver who has tricked the patient into leaving assets under his or her name. If you suspect that your elderly family member has been affected, check the recent changes in his or her accounts or if the monthly bills remain unpaid despite having enough money. Also observe if the senior appears confused and afraid about something.

Fraudsters will be amiable, friendly, and definitely sincere-sounding, and this will easily bait seniors because “they seemed nice.” Given this reality, take the time to discuss with your elderly family member and remind him or her not to be too trusting of the people around them. More often than not, scammers will be very well dressed and are masters at conversation, so they can’t simply be judged by how they look.

Technology, for all its glory, is not immune to attacks and being solely dependent on it almost always means you will get hit by a glitch or a breach at any point. According to reports, over 200 businesses have fallen victim to hackers in 2017 alone (and in the US alone). As tech developers scramble to build fortresses that aim to block off any attempts at identity theft, hackers are also getting smarter.

That said, even if your system tells you it’s hacker-proof, the responsibility to protect your personal data, like Social Security and credit card numbers, still lies upon you. Fortunately, there are ways to protect yourself from identity theft and to prevent it from happening to you. But, first, let’s understand what identity theft means.

Identity Theft

Any unauthorized access to your personal details can be classified as identify theft. These can cover financial data like bank account numbers and credit card details, Social Security numbers, your birthdate and physical address. These can also include passwords and usernames to your online accounts, your phone, computer, and more. In short, the loss of anything that can be used to falsely represent you is considered identity theft.

When somebody gets hold of these details, they have the power to assume your identity and open new accounts, access financial resources, or basically pretend to be you. It can be very difficult to erase all the damage once your identity has been stolen. If you didn’t have safeguards in place, you could face major financial turmoil that could take years to recover from. Even if the theft had been proven, all the trouble that you need to go through to fix everything is exhausting.

Watch Out For These Common Scams

While you cannot totally shield yourself from hackers, you can certainly reduce the odds of you becoming a victim. We’ve gathered some of the most common identify theft scams so we can all spot a tactic when it attempts to hit us.

1. Ransomware

This happens when a software encrypts your data and then asks you for payment to recover it. Ransomware attacks are doubly dangerous because not only do they have their hands on your identifying information, they are also asking you to pay them to give it back (if they even truly will). It’s literally getting your information kidnapped for ransom. Some ransomware can even lock you out of your operating system.

How do you spot it? Ransomware usually comes as a fake website form, a corrupt link or attachment sent via email, and other software vulnerabilities. Once the malware is opened, it needs mere minutes to take over the data on your computer.

How to prevent it? One way to shield yourself from an attack is to back up all your data periodically into the Cloud or an external hard drive. That way, when it does hit you, all its efforts will be for nothing because you already have copies. Another way is by turning off macros in MS Office and removing plug-ins like Java and Adobe Reader from your browser. If you do need these plug-ins, pre-set them to ask you first every time they launch.

2. Phishing

Phishing is perhaps the most common scam online. It happens when somebody tries to steal your data by using a webiste or an email posing as the legitimate one. Usually, you’ll see a message that asks you to click a link to either verify your information or update it. The moment you click it, malware enters your computer, giving hackers the chance to spy on your online movements and access to anything of value in your PC. If you do “update” your details, they also get access to your financials.

How to prevent? Check all the emails sent to you before opening any attachment or clicking a link. Take note of the email addresses they use. Most phishing scams use emails that look very much the same as the legitimate ones but with one or two letters off. You have to be very thorough and meticulous with checks. Sometimes, instinct plays a major role in your protection. If you think an email is suspicious, don’t open it. Better yet, call the company by phone or contact them through an email you’ve used before to ask them if they did send that email. In short, when in doubt, don’t.

3. Fake online protection plans

This scam capitalizes on your fear of becoming a victim of identity theft. Clever, right? You will sometimes see emails, pop-up messages, and sometimes get phone calls from companies that will offer identity theft protection services and antivirus software. These claims will usually start with telling you your computer has been compromised. They will promise to get rid of all the threats before any “damage” can occur. Because you’re hell bent on protecting yourself, it’s all too easy to just give them what they need. That’s when the problems start.

How to prevent? It pays to always be wary and suspicious of offers like these. Never open emails or popups that claim your PC has been hacked. You can also use ad-blockers to ward off any sneaky attempts to reach you. Finally, to avoid getting victimized and getting to that situation where you will need to get your computer cleaned up, just invest in reputable antivirus software that will regularly sweep your computer and protect it from malware.

Protecting Yourself

To protect yourself, understand that identity hackers are here to stay so you shouldn’t be too confident that your computer is totally protected. In fact, their methods are advancing and looking too close like the legitimate ones. The best way to ward them off is to be vigilant and to educate yourself with how they operate. You can also invest in identity theft protection but work only with credible and reputable service providers with a strong and proven track record. If you suspect that you have been attacked, report it to the bank and the authorities right away.

The gift of travel is one of the best things you can give your family. The experience and the new knowledge that everyone gains is simply priceless. However, if you’re a parent traveling with little kids, it can also be exhausting and stressful if you’re not prepared.

Family vacations require meticulous planning, particularly with curious and quickly-bored kids in tow. From finding the right places to visit, to eat, to sleep, every parent’s goal is to make the trip as fruitful and enjoyable as possible while keeping everybody safe. Here are 8 safety tips all parents should know before booking those tickets with children.

1. Do your research

Every vacation destination is appealing but not everything is child-friendly. Before you book those flights and accommodations, find out first if the place offers anything that the kids will enjoy. There are plenty of resources online and some even offer actual visitor reviews so you can definitely plan a trip that provides an equal share of fun for the adults and the young ones. Another thing that you should research on is the area’s safety issues. Is the crime rate high where you’re going? Is there an outbreak currently happening? These are crucial factors that should go into choosing where to go.

2. Your itinerary should be child-friendly

Traveling with children calls for compromise. While they can’t do everything that you want to explore, you can plan in advance and make an itinerary that includes them and that both age groups will enjoy. You can find out online or ask the hotel if they have kids’ activities offered. Some hotels have “day use” programs designed for children that involves sports, art, and other learning activities. That way, while the grownups have their fun, the children can stay at the resort and enjoy, as well.

3. Orient the kids with safety and emergency procedures

You never know when an emergency might happen while your family is on vacation. While you can’t predict what will happen, it helps to get your kids familiar with the basics. Practice with your children what they should do if a distressing incident happens. You can tell them to ask for help from uniformed personnel or another parent with kids. Alternatively, you can advise them to stay where they or go to a specific spot to meet you.

Practice makes perfect, so be sure to go over these instructions with your children several times so they remember it. To be sure, have them repeat it back to you so you can verify if they have understood what you said. You can also point out where there nearest community building or police station/outpost is so they can see where they can call for help.

4. Keep them busy and entertained

There’s a higher chance that kids will give you meltdowns if they are bored. So, make sure you always give them something to do. Little kids are, no doubt, adorable, but they can also be really mischievous. Bring small toys or art kits with you when you travel, or be ready with movies or downloaded games they can watch and play on your gadget during those long waits. Or you can have them take a nap!

5. Track your children

Curious kids are prone to pulling those heart-stopping disappearing acts. To prevent this hassle, you can have them wear tracking devices so you’ll know exactly when they’ve strayed from the group and where to find them. Now your family can get into the busy sections of the night market and crowded tourist attractions without you worrying constantly where your children are. These wearable gadgets come in cute designs and colors that your children won’t know it’s your way to monitoring them. Some even play music and have games built in.

6. Make information cards or IDs

Have your kids wear IDs or keep information cards in their pocket in case they do get lost. These should contain your names, contact numbers, and anything else that can be used to reach you. Make sure to update these cards when you change destinations.

7. Bring a medical kit and some snacks

Scrapes, bumps, and falls are normal when you have kids, so having a medical kit always with you is a smart decision when on vacation. Put in Band-Aids, mild painkillers, disinfectant sprays, and other medical essentials so you’re always ready for anything. If your child requires special attention, make sure that you’ve packed all his or her meds, as well (plus backup).

More importantly, always bring water and some snacks. Kids get thirsty and hungry at the most awkward times. Arming yourself with their essentials ensure that they stay calm and satisfied. You don’t want your kid wailing for treats when you’re all waiting in line for a ride at a theme park.

8. Check your insurance

Go over your insurance policy and find out if it offers coverage for trips aboard, or even just local trips. If you don’t see anything travel-related on print, it’s worth calling up your insurer to ask about it. You might not think that insurance is necessary for vacations but you’ll be thankful that you included it in your planning should something untoward does happen. In its absence, you can also avail of supplemental insurance. Also check the hospitals where you will be going and find out if they take your insurance. Although nobody wants to dwell on the negative when planning a vacation, it pays to be on the safe side, especially since you’ll be traveling with children.

Overall, always have a Plan B. As parents, the key to an enjoyable vacation with children in tow is to prepare for the worst. That way, when something does happen, you know your heart won’t jump out of your throat because you’re confidently well equipped. Compared to traveling with grownups, trips with kids require extra research and readiness. Don’t fret too much over all the planning that you need to do. When you see those smiles and all the fun everyone is having, everything will be worth it.