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“But everyone else has one.”
Those are familiar words to a parent, especially if you’re having the first smartphone conversation with your tween or pre-teen. In their mind, everyone else has a smartphone so they want a one too. But does “everyone” really have one? Well, your child isn’t wrong.
Our recent global study found that 76% of children aged 10 to 14 reported using a smartphone or mobile device, with Brazil leading the way at 95% and the U.S. trailing the global average at 65%.
Our figures show that younger children with smartphones and mobile devices make up a decisive majority of younger children overall.
Of course, just because everyone else has smartphone doesn’t mean that it’s necessarily right for your child and your family. After all, with a smartphone comes access to a wide and practically unfettered world of access to the internet, apps, social media, instant messaging, texting, and gaming, all within nearly constant reach. Put plainly, some tweens and pre-teens simply aren’t ready for that just yet, whether in terms of their maturity, habits, or ability to care for and use a device like that responsibly.
Yet from a parent’s standpoint, a first smartphone holds some major upsides. One of the top reasons parents give a child a smartphone is “to stay in touch,” and that’s understandable. There’s something reassuring knowing that your child is a call or text away—and that you can keep tabs on their whereabouts with GPS tracking. Likewise, it’s good to know that they can reach you easily too. Arguably, that may be a reason why some parents end up giving their children a smartphone a little sooner than they otherwise would.
However, you don’t need a smartphone to do to text, track, and talk with your child. You have alternatives.
One way to think about the first smartphone is that it’s something you ease into. In other words, if the internet is a pool, your child should learn to navigate the shallows with some simpler devices before diving into the deep end with a smartphone.
Introducing technology and internet usage in steps can build familiarity and confidence for them while giving you control. You can oversee their development, while establishing rules and expectations along the way. Then, when the time is right, they can indeed get their first smartphone.
But how to go about that?
It seems a lot of parents have had the same idea and device manufacturers have listened. They’ve come up with smartphone alternatives that give kids the chance to wade into the mobile internet, allowing them to get comfortable with device ownership and safety over time without making the direct leap to a fully featured smartphone. Let’s look at some of those options, along with a few other long-standing alternatives.
These small and ruggedly designed devices can clip to a belt loop, backpack, or simply fit in a pocket, giving you the ability to see your child’s location. In all, it’s quite like the “find my” functionality we have on our smartphones. When it comes to GPS trackers for kids, you’ll find a range of options and form factors, along with different features such as an S.O.S. button, “geofencing” that can send you an alert when your child enters or leaves a specific area (like home or school), and how often it sends an updated location (to regulate battery life).
Whichever GPS tracker you select, make sure it’s designed specifically for children. So-called “smart tags” designed to locate things like missing keys and wallets are just that—trackers designed to locate things, not children.
With GPS tracking and many other communication-friendly features for families, smart watches can give parents the reassurance they’re looking for while giving kids a cool piece of tech that they can enjoy. The field of options is wide, to say the least. Smart watches for kids can range anywhere from devices offered by mobile carriers like Verizon, T-Mobile, and Vodaphone to others from Apple, Explora, and Tick Talk. Because of that, you’ll want to do a bit of research to determine the right choice for you and your child.
Typical features include restricted texting and calling, and you’ll find that some devices are more durable and more water resistant than others, while yet others have cameras and simple games. Along those lines, you can select a smart watch that has a setting for “school time” so that it doesn’t become a distraction in class. Also, you’ll want to look closely at battery life, as some appear to do a better job of holding a charge than others.
Another relatively recent entry on the scene are smartphones designed specifically for children, which offer a great step toward full-blown smartphone ownership. These devices look, feel, and act like a smartphone, but without web browsing, app stores, and social media. Again, features will vary, yet there are ways kids can store and play music, stream it via Bluetooth to headphones or a speaker, and install apps that you approve of.
Some are paired with a parental control app that allows you to introduce more and more features over time as your child as you see fit—and that can screen texts from non-approved contacts before they reach your child. Again, a purchase like this one calls for some research, yet names like Gabb wireless and the Pinwheel phone offer a starting point.
The old reliable. Rugged and compact, and typically with a healthy battery life to boot, flip phones do what you need them to—help you and your child keep in touch. They’re still an option, even if your child may balk at the idea of a phone that’s “not as cool as a smartphone.” However, if we’re talking about introducing mobile devices and the mobile internet to our children in steps, the flip phone remains in the mix.
Some are just phones and nothing else, while other models can offer more functionality like cameras and slide-out keyboards for texting. And in keeping with the theme here, you’ll want to consider your options so you can pick the phone that has the features you want (and don’t want) for your child.
Despite what your younger tween or pre-teen might think, there’s no rush to get that first smartphone. And you know it too. You have time. Time to take eventual smartphone ownership in steps, with a device that keeps you in touch and that still works great for your child.
By easing into that first smartphone, you’ll find opportunities where you can monitor and guide their internet usage. You’ll also find plenty of moments to help your child start forming healthy habits around device ownership and care, etiquette, and safety online. In all, this approach can help you build a body of experience that will come in handy when that big day finally comes—first smartphone day.
The post Smartphone Alternatives: Ease Your Way into Your Child’s First Phone appeared first on McAfee Blog.
Who loves tax season besides accountants? Scammers.
Emotions can run high during tax time. Even if you’re pretty sure you did everything right, you may still have a few doubts kicking around. Did I file correctly? Did I claim the right deductions? Will I get audited? As it turns out, these are the very same anxieties that criminals use as the cornerstone of their attacks.
So yes, crooks indeed love tax season. Particularly online. And they’ll bait your digital world with several proven types of scams in an effort to cash in on what can be a somewhat uncertain time.
The good news is that you have plenty of ways to protect yourself from these scams. Let’s look at what scammers typically have in store, along with some practical advice to protect yourself as you file your taxes—things you can do to keep crooks out of your business this tax season. Don’t delay, download McAfee’s tax season security guide to avoid the latest tax scams.
First, know that you’re probably doing a good job with your taxes. Less than 2% of returns get audited and most discrepancies or adjustments can get handled easily if you address them promptly.
Still, the wariness of the IRS and intricate tax laws makes for ripe pickings when it comes to hackers, who prey on people’s fear of audits and penalties. Common scams include fake emails, phone calls from crooks posing as IRS agents, and even robocalls that threaten jail time.
What are crooks looking to do with their scams? Several things:
As if we didn’t have enough to worry about at tax time without crooks in the mix.
Investigating the landscape even more closely, we can turn to the authority itself, as the IRS has published its most recent top 12 tax season scams, a broad list that includes:
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For a comprehensive look at each one of these scams, and for ways, you can steer clear of them, check our Guide to IRS & Tax Season Scams. However, there are some common threads to many of these scams.
For starters, plenty of tax scams involve crooks posing as an IRS employee, perhaps via a phone call or email, to glean personal information from you, or to demand payment—sometimes under the threat of penalties or even jail time. Crooks won’t hesitate to use strong-arm tactics like these and play on your fears. The good news is that such tactics are typically a sign that the contact isn’t legitimate. In fact, a quick way to spot a scam is to know what the IRS won’t do when they contact you. From the IRS.gov website, the IRS will not:
What will the IRS do? Usually, the IRS will first mail a notification to any taxpayer who owes taxes. IRS collection employees might call on the phone or make an unannounced visit to your home or business. If they require payment, the payment will always be to the U.S. Treasury. Read about other ways to know what the IRS won’t do when they contact you.
Scammers won’t limit themselves to posing as the IRS. They’ll act as an imposter in several other ways as well. For example, they may pose as a popular do-it-yourself tax brand, a tax preparer, or even as a phony charitable organization that promises any donations you make are tax-deductible.
Here, they may send you phony emails or direct messages or even ring you up with bogus telemarketing or robocalls designed to steal personal information.
In the cases where the scammers reach you online, the emails and messages they send will vary in their tone and polish—in other words, how authentic they appear. Some will look nearly legitimate and cause even the most hardened of digital skeptics to click on a phony link or download a sketchy attachment. Others, well, will look clearly like spam, complete with spelling and grammatical errors, along with clumsy use of logos, layouts, and design.
Taken together, both are ways that scammers get people to visit sites designed to compromise personal information … or to download malware like keyloggers that skim account passwords and ransomware that encrypt a victim’s files hold them hostage for a price.
Social media attacks also made the IRS Dirty Dozen. In a social media attack, scammers harvest information from social media profiles and turn it against their victims. Per the IRS, because “social media enables anyone to share information with anyone else on the Internet, scammers use that information as ammunition for a wide variety of scams. These include emails where scammers impersonate someone’s family, friends, or co-workers.”
With those personal details gleaned from social media, scammers will send phony links to scam sites, promote bogus charities, or flat-out ask for money or gift cards to “help them out” at tax time.
No question that bogus emails, messages, and phone calls remain a popular way for scammers to steal personal and financial information. Spam emails, messages, and the malicious links associated with them abound this time of year as well. It’s always to keep a critical eye open for these, and it’s particularly true during tax season.
View all emails with attachments and links with suspicion, even if they appear to come from a person, business, or brand you know. Confirm attachments with the people you know before opening. And if you receive a message or alert about an account of yours, visit that company or organization’s website directly to enquire into the status of your account rather than taking a chance by clicking on a link that could send you to a phony website.
One way to protect yourself from an identity thief from claiming a return in your name is to file yours before they do. In fact, many victims of identity theft find out they’ve been scammed when they receive an IRS notification that their tax claim has already been filed. Simply put, file early.
Here’s another tool that can help you fight identity theft. And get this: it’s not only helpful, but it’s also free. Through the Federal Trade Commission, you are entitled to a free copy of your credit report from each of the three major credit reporting companies once every 12 months. In this report, you can find inaccuracies in your credit or evidence of all-out identity theft.
Keep in mind that you get one report from each of the reporting companies each year. That works out to three reports total in one year. Consider this: if you request one report from one credit reporting company every four months, you can spread your free credit report coverage across the whole year.
As with much of the guidance we offer around social media, one of the best ways to prevent such social media tax attacks is to make your profiles private so that only friends and family can see them. That way, scammers will have a far more difficult time reaching you. Moreover, consider paring back the information you share in your social media profiles, like your alma maters, birthday, mother’s maiden name, pet names—any personal information that a scammer may use to compromise your accounts or the security questions associated with them.
Protecting your devices with comprehensive online protection software can help block the phishing emails and suspicious links that make up many of these tax attacks. Likewise, it can further protect you from ransomware attacks like mentioned above. Additionally, our online Protection Score looks for weak spots in your protection and helps you shore them up, such as if discovers that your info was compromised or part of a data breach. From there, it guides you through the steps to correct the problem.
Further, consider online protection software that offers identity theft protection as well. A strong identity theft protection package offers cyber monitoring that scans the dark web to detect misuse of your personal info. With our identity protection service, we help relieve the burden of identity theft if the unfortunate happens to you with $1M coverage for lawyer fees, travel expenses, lost wages, and more.
The IRS offers steps you can take in the event you suspect fraud or theft. Their current resources include:
As mentioned above, you can get even more up to speed on the different tricks hackers are using by downloading our Guide to IRS & Tax Season Scams. It’s free, and it offers more ways you can protect your identity and information this tax season and year ‘round.
The post The IRS “Dirty Dozen” – Top Tax Season Scams to Steer Clear of This Year appeared first on McAfee Blog.
If only more things in life came with training wheels; a child’s first smartphone could certainly use some.
Like taking off the training wheels and riding out into the neighborhood for the first time, a smartphone opens an entirely new world for children. There are apps, social media, group chats with friends, TikTok stars, and the joy of simply being “in” with their classmates and friends through the shared experience of the internet.
For parents, the similarities between first bike rides and first phones continue. You love the growing independence that this moment brings, yet you also wonder what your child will encounter out there when you’re not around. The good and the bad. How have you prepared them for this? Are they really ready?
That’s the question, isn’t it—when is my child ready for that first smartphone?
For years, your child has dabbled on the internet, whether that was playing on your phone while they were little, letting them spend time on a tablet, or using a computer for school. Along the way, there have been teaching moments, little lessons you’ve imparted about staying safe, how to treat others online, and so forth. In other words, you’ve introduced the internet to your child in steps. Giving them their own phone is yet another step, but a big one.
Yet those teaching moments and little lessons are things that they’ll lean on when they’re on their own phone—whether those were about “stranger dangers” online, proper online etiquette, and the difference between safe and unsafe websites. Understanding if your child has a firm foundation for navigating all the highs and lows of the internet is a strong indication of their readiness. After all, safely entering the always-online world of having a smartphone demands a level of intellectual and emotional maturity.
Good question. We do know that smartphone usage by children is on the rise. For example, research from Common Sense Media indicates that 53% of 11-year-olds have a smartphone, a number that jumps to 69% at age 12. That’s quite a bit of smartphone use by tweens, use which may be lightly monitored or not monitored at all. Note the percentage of ownership by age and the volume of screen time that follows in the infographic below:
Source: Common Sense Media
Why the rise, particularly in very young owners? However, does that mean 26% of nine-year-olds should have unfettered and all-day access to the internet in the palm of their hands? That’s a topic for you to decide for yourself and for the good of your family. However, if the notion of a third grader with a smartphone seems a little on the young side to you, there are alternatives to smartphones.
If keeping in touch is the primary reason for considering a smartphone, you have internet-free options that you can consider:
In all, for a younger child, one of these options may be your best bet. They’ll help you and your child keep in touch, develop good habits, and simply learn the basic responsibilities and behaviors that come with using a device to communicate with others.
Now’s a perfect time to prepare yourself for the day when your child indeed gets that first proper smartphone. That entails a little research and a little conversation on your part. Topics such as cyberbullying, digital literacy, social media etiquette, and so on will be important to get an understanding on. And those are just the first few.
A good place to start is your circle of family and friends. There, you can find out how they handled smartphone ownership with their children. You’ll likely hear a range of strategies and approaches, along with a few stories too, all of which can prepare you and your child.
I also suggest carving out a few minutes a week to read up on our McAfee blog safety topics so that you can have all the knowledge and tools you need. We blog on topics related to parenting and children quite regularly, and you can get a quick view of them here:
Having a smartphone will change not only their life, but yours as well. Relationships will evolve as your child navigates their new online life with their middle school and high school peers. (Remember those days? They weren’t always easy. Now throw smartphones into the mix.)
With that, give you and your child one last checkpoint. The following family talking points for owning a smartphone offer a solid framework for conversation and a way to assess if your child, and you, are truly ready for what’s ahead.
Once smartphone day arrives, it’s time to put two things in place—mobile security and parental controls:
Plenty. And as a mom myself, I rely heavily on those parental controls I put into place, but I also stay close to what they are doing online. It’s a bit of a mix. I simply ask them what’s going on and do a little, monitoring too. That could be asking them what their favorite games and apps are right now or talking about what playlists they’re listening to. This keeps communication open and normalizes talking about the phone/ their internet usage and what’s happening on it. Communication like this can come in handy later on should they need your help with something that’s occurred online. By talking now, the both of you will have an established place to start.
In all, take children’s smartphone ownership in steps and prepare them for the day those training wheels come off so the both of you can fully enjoy that newfound independence of life with a smartphone.
The post How to Prepare for Your Child’s First Smartphone appeared first on McAfee Blogs.
You wake up, log in to your Outlook, and find an email waiting in your inbox from support@irs.gov. Much to your confusion, the email claims that you have an outstanding account balance that you must pay immediately, or you will face legal charges.
As it turns out, you’re not the only one to receive this message. According to Bleeping Computer, a phishing campaign was recently discovered impersonating the IRS, with 70,000 spoofed emails reaching users’ inboxes. Let’s unpack how this scheme works.
This scam targets Microsoft 365 users and threatens to press legal charges unless the recipient settles an outstanding account balance. And while some of the telltale signs of a phishing scam are grammar errors and misspellings throughout the body and address of the email, this threat is a little more sophisticated. To make this threat appear more credible, scammers use the email support@irs.gov, causing recipients to believe that the email actually did originate from the IRS. The email also appears to have no spelling errors at first glance, further increasing its legitimacy to an unsuspecting user.
This scam is not foolproof, however. Upon further investigation, a recipient would see that the email’s header reveals the real sending domain: shoesbagsall.com. What’s more, the reply-to field redirects the replies to legal.cc@outlook.com instead of the IRS support mailing address.
To further entice users into falling for this scheme, scammers threaten arrest or other legal charges and tell recipients that they will forward the emails to their employer to withhold the fake outstanding amounts from their wages. Additionally, the emails also instruct the targets to immediately reply with payment details to avoid having their credit affected.
The best way to stay protected from phishing scams? Knowing how to spot them! Follow these security tips and best practices to prevent falling for fraudsters’ tricks:
Be skeptical of emails or text messages claiming to be from organizations with peculiar asks or information that seems too good to be true. Instead of clicking on a link within the email or text, it’s best to go straight to the organization’s website or contact customer service.
If you receive an email or text asking you to download software or pay a certain amount of money, don’t click on anything within the message. Instead, go straight to the organization’s website. This will prevent you from downloading malicious content from phishing links or forking over money unnecessarily.
If someone sends you a message with a link, hover over the link without actually clicking on it. This will allow you to see a link preview. If the URL looks suspicious, don’t interact with it and delete the message altogether.
If you accidentally respond to a phishing email with your personal data, change the passwords to any accounts you suspect may have been impacted. Make sure your new credentials are strong and unique from your other logins. For tips on how to create a more secure password, read our blog on common password habits and how to safeguard your accounts.
A solution like McAfee Identify Theft Protection will help you to monitor your accounts and alert you of any suspicious activity.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post 70,000 Phishing Emails Sent Impersonating the IRS: How to Stay Protected appeared first on McAfee Blogs.
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