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The past 12 months have been another bumper year for cybercrime affecting everyday users of digital technology. Trend Micro blocked more than 26.8 billion of these threats in the first half of 2019 alone. The bad news is that there are many more out there waiting to steal your personal data for identity fraud, access your bank account, hold your computer to ransom, or extort you in other ways.
To help you stay safe over the coming year we’ve listed some of the biggest threats from 2019 and some trends to keep an eye on as we hit the new decade. As you’ll see, many of the most dangerous attacks will look a lot like the ones we warned about in 2019.
As we enter 2020 the same rules apply: stay alert, stay sceptical, and stay safe by staying protected.
Cybercrime is a chaotic, volatile world. So to make sense of the madness of the past 12 months, we’ve broken down the main type of threats consumers encountered into five key areas:
Home network threats: Our homes are increasingly powered by online technologies. Over two-thirds (69%) of US households now own at least one smart home device: everything from voice assistant-powered smart speakers to home security systems and connected baby monitors. But gaps in protection can expose them to hackers. As the gateway to our home networks, routers are particularly at risk. It’s a concern that 83% are vulnerable to attack. There were an estimated 105m smart home attacks in the first half of 2019 alone.
Endpoint threats: These are attacks aimed squarely at you the user, usually via the email channel. Trend Micro detected and blocked more than 26 billion such email threats in the first half of 2019, nearly 91% of the total number of cyber-threats. These included phishing attacks designed to trick you into clicking on a malicious link to steal your personal data and log-ins or begin a ransomware download. Or they could be designed to con you into handing over your personal details, by taking you to legit-looking but spoofed sites. Endpoint threats sometimes include social media phishing messages or even legitimate websites that have been booby-trapped with malware.
Mobile security threats: Hackers are also targeting our smartphones and tablets with greater gusto. Malware is often unwittingly downloaded by users, since it’s hidden in normal-looking Android apps, like the Agent Smith adware that infected over 25 million handsets globally this year. Users are also extra-exposed to social media attacks and those leveraging unsecured public Wi-Fi when using their devices. Once again, the end goal for the hackers is to make money: either by stealing your personal data and log-ins; flooding your screen with adverts; downloading ransomware; or forcing your device to contact expensive premium rate phone numbers that they own.
Online accounts under attack: Increasingly, hackers are after our log-ins: the virtual keys that unlock our digital lives. From Netflix to Uber, webmail to online banking, access to these accounts can be sold on the dark web or they can be raided for our personal identity data. Individual phishing attacks is one way to get these log-ins. But an increasingly popular method in 2019 was to use automated tools that try tens of thousands of previously breached log-ins to see if any of them work on your accounts. From November 2017 through the end of March 2019, over 55 billion such attacks were detected.
Breaches are everywhere: The raw materials needed to unlock your online accounts and help scammers commit identity fraud are stored by the organizations you interact with online. Unfortunately, these companies continued to be successfully targeted by data thieves in 2019. As of November 2019, there were over 1,200 recorded breaches in the US, exposing more than 163 million customer records. Even worse, hackers are now stealing card data direct from the websites you shop with as they are entered in, via “digital skimming” malware.
Smart homes under siege: As we invest more money in smart gadgets for our families, expect hackers to double down on network attacks. There’s a rich bounty for those that do: they can use an exposed smart endpoint as a means to sneak into your network and rifle through your personal data and online accounts. Or they could monitor your house via hacked security cameras to understand the best time to break in. Your hacked devices could even be recruited into botnets to help the bad guys attack others.
Social engineering online and by phone: Attacks that target user credulity are some of the most successful. Expect them to continue in 2020: both traditional phishing emails and a growing number of phone-based scams. Americans are bombarded by 200 million automated “robocalls” each day, 30% of which are potentially fraudulent. Sometimes phone fraud can shift quickly online; for example, tech support scams that convince the user there’s something wrong with their PC. Social engineering can also be used to extort money, such as in sextortion scams designed to persuade victims that the hacker has and is about to release a webcam image of them in a “compromising position.” Trend Micro detected a 319% increase in these attacks from 2H 2018 to the first half of 2019.
Threats on the move: Look out for more mobile threats in 2020. Many of these will come from unsecured public Wi-Fi which can let hackers eavesdrop on your web sessions and steal identity data and log-ins. Even public charging points can be loaded with malware, something LA County recently warned about. This comes on top of the escalating threat from malicious mobile apps.
All online accounts are fair game: Be warned that almost any online account you open and store personal data in today will be a target for hackers tomorrow. For 2020, this means of course you will need to be extra careful about online banking. But also watch out for attacks on gaming accounts. Not only your personal identity data and log-ins but also lucrative in-game tokens will become highly sought after. Twelve billion of those recorded 55 billion credential stuffing attacks were directed at the gaming industry.
Worms make a comeback: Computer worms are dangerous because they self-replicate, allowing hackers to spread attacks without user interaction. This is what happened with the WannaCry ransomware attacks of 2017. A Microsoft flaw known as Bluekeep offers a new opportunity to cause havoc in 2020. There may be more out there.
Given the sheer range of online threats facing computer users in 2020, you’ll need to cover all bases to keep your systems and data safe. That means:
Protecting the smart home with network monitoring solutions, regular checks for security updates on gadgets/router, changing the factory default logins to strong passwords, and putting all gadgets onto a guest network.
Tackling data-stealing malware, ransomware and other worm-style threats with strong AV from a reputable vendor, regular patching of your PC/mobile device, and strong password security (as given below).
Staying safe on the move by always using VPNs with public Wi-Fi, installing AV on your device, only frequenting official app stores, and ensuring you’re always on the latest device OS version. And steer clear of public USB charging points.
Keeping accounts secure by using a password manager for creating and storing strong passwords and/or switching on two-factor authentication where available. This will stop credential stuffing in its tracks and mitigate the impact of a third-party breach of your log-ins. Also, never log-in to webmail or other accounts on shared computers.
Taking on social engineering by never clicking on links or opening attachments in unsolicited emails, texts or social media messages and never giving out personal info over the phone.
Fortunately, Trend Micro fully understands the multiple sources for modern threats. It offers a comprehensive range of security products to protect all aspects of your digital life — from your smart home, home PCs, and mobile devices to online accounts including email and social networks, as well as when browsing the web itself.
Trend Micro Home Network Security: Provides protection against network intrusions, router hacks, web threats, dangerous file downloads and identity theft for every device connected to the home network.
Trend Micro Security: Protects your PCs and Macs against web threats, phishing, social network threats, data theft, online banking threats, digital skimmers, ransomware and other malware. Also guards against over-sharing on social media.
Trend Micro Mobile Security: Protects against malicious app downloads, ransomware, dangerous websites, and unsafe Wi-Fi networks.
Trend Micro Password Manager: Provides a secure place to store, manage and update your passwords. It remembers your log-ins, enabling you to create long, secure and unique credentials for each site/app you need to sign-in to.
Trend Micro WiFi Protection: Protects you on unsecured public WiFi by providing a virtual private network (VPN) that encrypts your traffic and ensures protection against man-in-the-middle (MITM) attacks.
Trend Micro ID Security (Android, iOS): Monitors underground cybercrime sites to securely check if your personal information is being traded by hackers on the Dark Web and sends you immediate alerts if so.
The post The Everyday Cyber Threat Landscape: Trends from 2019 to 2020 appeared first on .
Tax season has always been a pretty nerve-wracking time for hard-working Americans. But over the years, technology advances have arrived to gradually make the process a bit easier. The bad news is that they can also introduce new cyber risks and even more stress.
There are two things that cybercriminals are always on the hunt for: people’s identity data from their accounts, and their money. And during the tax-filing season both can be unwittingly exposed. Over the years, cybercriminals have adapted multiple tools and techniques to part taxpayers with their personal information and funds.
Let’s take look at some of the main threats out there and what you can do to stay safe.
What do they want?
Cybercrime is a highly efficient money-making business. Some reports suggest this underground economy generates as much as $1.5 trillion each year. (See Into the Web of Profit, April 2018, McGuire, Bromium.) And tax-related scams are an increasingly popular way for the bad guys to drive-up profits. The Internal Revenue Service (IRS) claims that “thousands of people have lost millions of dollars and their personal information” to such attacks.
The bottom line is that they’re after one of two things: to trick you into wiring funds to them, and/or to get hold of your personally identifiable information (PII), including bank account and Social Security Numbers (SSNs). This personal data can subsequently be used to defraud you or the IRS, or may be deployed in follow-on identity fraud schemes to capture illicit funds from you.
There are various ways cyber-criminals can achieve these goals. The most common is by using social engineering tactics to trick taxpayers into sending money or personal information. But they might also use malware, either delivered to you personally or targeted at your tax preparer. This means you not only have to look after your own cybersecurity but also demand that the third-party businesses you work with store and transmit your sensitive information securely.
Look out for these scams
Here’s a round-up of the most popular tactics used by tax scammers today:
Impersonation: The fraudster gets in touch pretending to be an IRS representative. This could be via email, phone, social media or even SMS. They usually claim you owe the IRS money in unpaid taxes or fines and demand a wire transfer, or funds from a prepaid debit card. Sometimes they may ask for personal and financial details—for example, by claiming you’re entitled to a large tax refund and they just need you to supply your bank account info.
These interactions are usually pushy. The scammer knows the best way of making you pay up is by creating a sense of urgency and, sometimes, shaming the individual into believing they’ve been withholding tax payments. Phishing emails may look highly convincing, right down to the logo and sender domain, while phone callers will use fake names and badge numbers. Sometimes the scammers use personal data they may have stolen previously or bought on the Dark Web to make their communications seem more convincing.
In some impersonation scams, the fraudsters may even pretend to work for charities and ask for personal details to help disaster victims with tax refund claims.
Spoofing, phishing, and malware: In some cases, a text, email or social media message spoofed to appear as if sent from the IRS or your tax preparer actually contains malware. The scammers use the same tactics as above but trick the recipient into clicking on a malicious link or opening an attachment laden with malware. The covert download that follows could result in: theft of your personal information; your computer being completely hijacked by hackers via remote control software; or a ransomware download that locks your computer until you pay a fee.
Fake tax returns: Another trick the scammers employ is to use stolen SSNs and other personal information to file tax returns on your behalf. They can then try to claim a large payment in tax refunds from the IRS. The PII they use to file in your name may have been taken from a third-party source without your knowledge, and the first you might hear of it is when you go to file a legitimate tax return. It can take months to resolve the problem.
Attacks targeting tax preparers: Over half of Americans use third-party tax preparation companies to help them with their returns. However, this offers another opportunity for scammers to get hold of your sensitive information. In one recently discovered campaign, malware deployed on tax preparers’ websites was designed to download to the visitor’s computer as soon as they loaded the page. The IRS warns that businesses large and small are potentially at risk, as scammers are keen to get hold of tax information which enables them to file highly convincing fake returns in your name.
What to do
The good news is that by taking a few simple steps you can insulate yourself from the worst of these scams. Remember: the IRS does not contact taxpayers by email, text messages or social media to request personal/financial information— so if you receive communications that do, they are definitely a scam. It’s also important to remember that scams happen all year round, not just in the run-up to the tax filing deadline. That means, unfortunately, that you need to be on your guard all the time.
Here are a few other recommendations:
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It also pays to demand that your tax preparer take their own precautions to keep your data secure. They should not be sending sensitive data or documents unencrypted in emails and must take steps on their own to combat phishing emails that target employees, since these can cascade to you during your tax preparation process. Whether hosted in the cloud or running on-premises, the servers that hold your data should also have adequate protection—and you have a right (and a duty to yourself) to ask ahead of time what they’re doing to protect it.
According to the IRS tax preparers should put the following internal controls in place:
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How Trend Micro can help
Trend Micro offers a range of security tools to help taxpayers keep their personal and financial information safe from fraudsters.
Our flagship consumer solution Trend Micro Security (TMS) provides the following protections:
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To find out more, go to our Trend Micro Security website.
The post Tax Scams – Everything you need to know to keep your money and data safe appeared first on .
By Kyle Klassen Product Manager – Cloud Native Application Security at Trend Micro
Containers provide many great benefits to organizations – they’re lightweight, flexible, add consistency across different environments and scale easily.
One of the characteristics of containers is that they run in dedicated namespaces with isolated resource requirements. General purpose OS’s deployed to run containers might be viewed as overkill since many of their features and interfaces aren’t needed.
A key tenant in the cybersecurity doctrine is to harden platforms by exposing only the fewest number of interfaces and applying the tightest configurations required to run only the required operations.
Developers deploying containers to restricted platforms or “serverless” containers to the likes of AWS Fargate for example, should think about security differently – by looking upward, looking left and also looking all-around your cloud domain for opportunities to properly security your cloud native applications. Oh, and don’t forget to look outside. Let me explain…
Looking Upward
As infrastructure, OS, container orchestration and runtimes become the domain of the cloud provider, the user’s primary responsibility becomes securing the containers and applications themselves. This is where Trend Micro Cloud One, a security services platform for cloud builders, can help Dev and Ops teams better implement build pipeline and runtime security requirements. Cloud One – Application Security embeds a security library within the application itself to provide defense against web application attacks and to detect malicious activity.
One of the greatest benefits of this technology is that once an application is secured in this manner, it can be deployed anywhere and the protection comes along for the ride. Users can be confident their applications are secure whether deployed in a container on traditional hosts, into EKS on AWS Bottlerocket, serverless on AWS Fargate, or even as an AWS Lambda function!
Looking Left
It’s great that cloud providers are taking security seriously and providing increasingly secure environments within which to deploy your containers. But you need to make sure your containers themselves are not introducing security risks. This can be accomplished with container image scanning to identify security issues before these images ever make it to the production environment.
Enter Deep Security Smart Check – Container Image Scanning part of the Cloud One offering. Scans must be able to detect more than just vulnerabilities. Developer reliance on code re-use, public images, and 3rd party contributions mean that malware injection into private images is a real concern. Sensitive objects like secrets, keys and certificates must be found and removed and assurance against regulatory requirements like PCI, HIPAA or NIST should be a requirement before a container image is allowed to run.
Looking All-Around
Imagine taking the effort to ensure your applications, containers and functions are built securely, comply with strict security regulations and are deployed into container optimized cloud environments only to find out that you’ve still become a victim of an attack! How could this be? Well, one common oversight is recognizing the importance of disciplined configuration and management of the cloud resources themselves – you can’t assume they’re secure just because they’re working.
But, making sure your cloud services are secure can be a daunting task – likely comprised of dozens of cloud services, each with as many configuration options – these environments are complex. Cloud One – Conformity is your cloud security companion and gives you assurance that any hidden security issues with your cloud configurations are detected and prioritized. Disabled security options, weak keys, open permissions, encryption options, high-risk exposures and many, many more best practice security rules make it easy to conform to security best practices and get the most from your cloud provider services.
Look Outside
All done? Not quite. You also need to think about how the business workflows of your cloud applications ingest files (or malware?). Cloud storage like S3 Buckets are often used to accept files from external customers and partners. Blindly accepting uploads and pulling them into your workflows is an open door for attack.
Cloud One – File Storage Security incorporates Trend Micro’s best-in-class malware detection technology to identify and remove files infected with malware. As a cloud native application itself, the service deploys easily with deployment templates and runs as a ‘set and forget’ service – automatically scanning new files of any type, any size and automatically removing malware so you can be confident that all of your downstream workflows are protected.
It’s still about Shared Responsibility
Cloud providers will continue to offer security features for deploying cloud native applications – and you should embrace all of this capability. However, you can’t assume your cloud environment is optimally secure without validating your configurations. And once you have a secure environment, you need to secure all of the components within your control – your functions, applications, containers and workflows. With this practical approach, Trend Micro Cloud One perfectly complements your cloud services with Network Security, Workload Security, Application Security, Container Security, File Storage Security and Conformity for cloud posture management, so you can be confident that you’ve got security covered no matter which way you look.
To learn more visit Trendmicro.com/CloudOne and join our webinar on cloud native application threats https://resources.trendmicro.com/Cloud-One-Webinar-Series-Cloud-Native-Application-Threats.html
The post What do serverless compute platforms mean for security? appeared first on .
Editor’s note: While this topic isn’t entirely security-specific, Trend Micro leader William Malik, has career expertise on the trending topic and shared his perspective.
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There was a provocative report recently that the Governor of New Jersey told reporters that the state of New Jersey needed COBOL programmers. The reason was that the number of unemployment claims had spiked, and the legacy system running unemployment claims had failed. That 40-year-old system was written in COBOL, so the conclusion was that the old language had finally given out. Hiring COBOL programmers would let the State update and modernize the application to handle the increase in load.
This might be the problem, but it probably is not. Here’s why.
From these points, we learn the following lessons.
Software Doesn’t Wear Out
Logic is indelible. A computer program is deterministic. It will do exactly what you tell it to do, even if what you tell it to do isn’t precisely what you meant it to do. Code never misbehaves – but your instructions may be incorrect. That’s why debugging is such a hard problem.
Incidentally, that’s also why good developers usually make lousy testers. The developer focuses her mind on one thing – getting a bunch of silicon to behave. The tester looks for faults, examines edge conditions, limit conditions, and odd configurations of inputs and infrastructure to see how things break. The two mindsets are antithetical.
Once a piece of software has been in production long enough, the mainline paths are usually defect free. In fact, the rest of the code may be a hot mess, but that stuff doesn’t get executed so those defects are latent and do not impact normal processing. Ed Adams published a report in 1984 titled “Optimizing Preventative Service for Software Products” (https://ieeexplore.ieee.org/document/5390362, originally published in the IBM Journal of Research and Development, v 28, n 1). He concluded that once a product has been in production for a sufficient time, it was safer to leave it alone. Installing preventative maintenance was likely to disrupt the system. Most IT organizations know this, having learned the hard way. “If it ain’t broke, don’t fix it” is the mantra for this wisdom.
As a corollary, new software has a certain defect rate. Fixes to that software typically have a defect rate ten times greater. So if a typical fix is large enough, you put in a new bug for every bug you take out.
Computers Are Constrained
All computers have constraints. The relative amount of resources mean some computers are better for some workloads than others. For mainframes, the typical constraint is processing power. That’s why mainframes are tuned to run at 100% utilization, or higher. (How do you get past 100% utilization? Technically, of course, you can’t. But what the measurements are showing you is how much work is ready to run, waiting for available processing power. The scale actually can go to 127%, if there’s enough work ready.)
Different types of computers have different constraints. Mainframes run near 100% utilization – the CPU is the most expensive and constrained resource. PCs on the other hand never get busy. No human can type fast enough to drive utilization above a few percent. The constrained resource on PCs is typically disk storage. That’s why different types of computers do better at different types of work. PCs are great for user interface stuff. Mainframes are perfect for chewing through a million database records. By chance we developed mainframes first; that’s not an indictment of either type, Both are useful.
Computers Can Run Out of Resources
Any IT infrastructure has a design point for load. That is, when you put together a computer you structure it to meet the likely level of demand on the system. If you over-provision it, you waste resources that will never be used. If you under-provision it, you will not meet your service level agreements. So when you begin, you must know what the customers – your users – expect in terms of response time, number of concurrent transactions, database size, growth rates, network transaction load, transaction mix, computational complexity of transaction types, and so on. If you don’t specify what your targets are for these parameters, you probably won’t get the sizing right. You will likely buy too much of one resource or not enough of another.
Note that cloud computing can help – it allows you to dynamically add additional capacity to handle peak load. However, cloud isn’t a panacea. Some workloads don’t flex that much, so you spend extra money for flexibility for a capability that you can provide more economically and efficiently if it were in-house.
Add Capacity in Balance
When I was in high school our physics teacher explained that temperature wasn’t the same as heat. He said “Heat is the result of a physical or chemical reaction. Temperature is simply the change in heat over the mass involved.” One of the kids asked (snarkily) “Then why don’t drag racers have bicycle tires on the back?” The teacher was caught off guard. The answer is that the amount of heat put into the tire is the same regardless of its size, but the temperature was related to the size of the area where the tire touched the road. A bicycle tire has only about two square inches on the pavement, a fat drag tire has 100 square inches or more. So putting the same amount of horsepower spinning the tire will cause the bicycle tire’s temperature to rise about 50 times more than the gumball’s will.
When you add capacity to a computing system, you need to balance related capacity elements or you’ll be wasting money. Doubling the processor’s power (MHz or MIPS) without proportionately increasing the memory or network capacity simply moves the constraint from one place to another. What used to be a system with a flat-out busy CPU now becomes a system that’s waiting for work with a queue at the memory, the disk drive, or the network card.
Adding Staff Makes Things Worse
Increasing any resource creates potential problems of its own, especially of the system’s underlying architecture is ignored. Fore the software development process (regardless of form) one such resource is staff. The book “The Mythical Man-Month” by Fred Brooks (https://www.barnesandnoble.com/w/the-mythical-man-month-frederick-p-brooks-jr/1126893908) discusses how things go wrong.
The core problem is adding more people require strong communications and clear goals. Too many IT projects lack both. I once was part of an organization that consulted on a complex application rewrite – forty consultants, hundreds of developers, and very little guidance. The situation degenerated rapidly when the interim project manager decided we shouldn’t waste time on documentation. A problem would surface, the PM would kick off as task force, hold a meeting, and send everybody on their way. After the meeting, people would ask what specific decisions had been reached, but since there were no minutes, nobody could be sure. That would cause the PM to schedule another meeting, and so on. Two lessons I learned concerns meetings:
When you add staff, you must account for the extra overhead managing the activities of each person, and establish processes to monitor changes that every participant must follow. Scrum is an excellent way of flattening potentially harmful changes. By talking face to face regularly, the team knows everything that’s going on. Omit those meetings or rely on second-hand reports and the project is already off the rails. All that remains is to see how far things go wrong before someone notices.
In Conclusion …
If you have a computer system that suddenly gets a huge spike in load, do these things first:
If you are unable to resolve the capacity constraints with these steps, examine the programs for internal limitations:
Note that if you do not have (or cannot find) the relevant documentation, you will need to examine the source code. At this point, you may need to bring in a small set of experts in the programming language to recreate the relevant documentation. Handy hint: before you start working on the source code, regenerate the load modules and compare them with the production stuff to identify any patches or variance between what’s in the library and what’s actually in production.
Bringing in a bunch of people before going through this analysis will cause confusion and waste resources. While to an uninformed public it may appear that something is being done, the likelihood is that what is actually being done will have to be expensively undone before the actual core problem can be resolved. Tread lightly. Plan ahead. State your assumptions, then verify them. Have a good plan and you’ll work it out. Remember, it’s just ones and zeros.
What do you think? Let me know in the comments below, or @WilliamMalikTM.
The post “We Need COBOL Programmers!” No, You Probably Don’t appeared first on .
The Mac has always been pretty easy to use, but even the most ardent Mac supporters know there comes a time when their Mac is no longer new and they notice slowdowns in its performance, particularly after intensive use. They’d like a handy one-stop tool to help them optimize memory and CPU performance, free up disk space, and generally speed up their Mac, since they don’t want to dig around in the MacOS for buried utilities they don’t know how to use. Fortunately, Trend Micro has a solution for that.
Trend Micro Cleaner One Pro is an easy-to-use, all-in-one disk cleaning and optimization utility that can help you boost your Mac’s performance. Cleaner One Pro includes a number of Mac housecleaning tools such as a Memory Optimizer, a Junk Files cleaner, a Big Files scanner, a Duplicate Files finder, an App Manager, a File Shredder, and a Disk Map. These functions are all rolled into an easy-to-use interface that helps you visualize your Mac’s usage, while freeing up memory and storage on your Mac.
In this two-part blog, we will show you how you can use Cleaner One Pro to make your Mac run faster, walking you through its features. In Part 1, we focus on Quick Optimizer, the Main Console, and the Cleaning Tools. In Part 2, we’ll focus on System and Application Management, Privacy Protection, and some Other Options.
Once you’ve installed Cleaner One Pro, its Quick Optimizer appears in the Apple Menu, with handy tools to speed up your Mac. Click the icon and it displays a Console that monitors your Memory, Junk Files, CPU, and Network Usage, while letting you Optimize your Memory Usage and Clean your Junk Files with just one click. System Optimizer opens a Window onto the contents of your Mac for more detailed management.
Memory Optimizer
There are applications running in the background of your Mac that take up physical memory and affect its performance. The Memory Optimizer gives you control over how your computer consumes its memory resources—and you can free up your Mac’s memory in seconds with just one click on the Optimize button. If you want to see which apps are taking up significant memory, you can click the three-dot icon next to Memory Usage. It will show your Mac’s memory usage by app, in descending order. Click the Information (i) icon in the Memory Usage window for a breakdown of the types of memory being used.
Junk files, temporary files, system files and other non-essential items will accumulate on your Mac over time. These files take up a lot of space on your hard drive and may degrade the performance of your Mac as you reach higher disk usage. Click the Clean button and the Junk Files cleaner quickly removes application cache, system log files, update files, temporary files and hidden leftover files. You can also see the details of the identified Junk Files by clicking the three-dot icon next to Junk Files.
When your computer starts to run slowly it’s helpful to have a snapshot of its CPU usage. With this feature, you can see which apps are using significant CPU resources and how much percentage they’re using. It also let you know how long your computer has been up and running, since system reliability can degrade if it’s been awhile since you restarted your Mac.
If you want to keep an eye on your bandwidth consumption and avoid exceeding data caps, it’s useful to know the real-time download and upload speeds on your Mac. The Network Usage Monitor also provides a view of other network related information such as your Wi-Fi signal quality.
The Main Console is the core workplace in Trend Micro Cleaner One Pro and provides the following features, which are presented here grouped by purpose:
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To access the Main Console, click System Optimizer in the Cleaner One Pro Apple Menu. The first time you do, you’ll need to authorize full access to your disk, so Cleaner One Pro can access more junk files. Simply click Grant Access in the System Optimizer window and watch the video or follow the written instructions. Complete the steps by closing Cleaner One Pro, then reload it. You’re now ready to begin optimizing.
The hard drive on your Mac holds the entire Mac operating system and important files including your data. As you use your Mac, over time its hard drive will accumulate junk files. These junk files are generated by the system and other programs. Cleaner One Pro is equipped with advanced and efficient algorithms that scan and remove junk files within seconds. Click Scan to scan for Junk Files and when the scan is done, either check a whole category or individual items in the category, then click Remove.
You may have a lot of clutter on your Mac in the form of big or old files that you probably no longer need and may have just forgotten about. Removing big unused files can recover a lot of disk space, but it could be time-consuming to delete them if done manually. Also, it is hard to select files for deletion if you don’t know the proper context— where the files are stored or how important they may be.
Big Files scanner provides a big file collector where you can easily spot and remove these files if you don’t need them anymore. Additionally, if you hover your mouse on a file, you’ll see a magnifier and a lock icon. Once you click the magnifier icon, you’ll locate the actual file. If you click the lock icon, the file will be added to the Ignore List, which will be locked.
Disk Map is a significant tool that helps you analyze the usage of your storage in a visual and interactive map. It quickly scans your drive and builds a visualization of files on the target folder of your Mac, allowing you to easily navigate the system. With Disk Map, you can find out the date when the file/folder was created, modified, and last opened. Furthermore, hovering your mouse on a folder then clicking the magnifier icon will direct you to the file’s location.
Another practice that you are probably comfortable doing is backing-up important files, photos, program installation files and apps on your hard drive. While this is a good practice, it creates duplicate files on your Mac that eventually add clutter and consume disk space. It’s also hard to find files in name searches when you have too many of them.
The Duplicate Files function lets you select a source folder where it will inspect and identify duplicate files on your Mac. In the scan results, an option called “Auto Select” helps you automatically select duplicate files. The information provided by “Auto Select” is listed below:
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You can choose Remove to Trash or Delete Permanently on the confirmation page.
Often, you organize pictures of travels and life events, and also keep a copy to ensure you don’t lose those captured moments. But as digital photos pile up, often similar to others on your drive, they take up a lot of space. To assist you cleaning these up, use Similar Photos, and then choose your photo library to scan the photos on your Mac.
The result will display similar photos and you can choose the ones you don’t need, and the files will be added in the selected list. Click the Remove button to completely delete them from your hard drive.
That’s it for now! The second part of this blog will take up the remaining toolsets of Trend Micro Cleaner One Pro.
Go to Cleaner One Mac for more information or to purchase the app.
The post Cleaner One Pro Speeds Up Your Mac: Part 1 appeared first on .
In Part 1 of this blog, we introduced Trend Micro Cleaner One Pro, a one-stop shop to help you speed up your Mac, highlighting the Quick Optimizer, the Main Console, and the Cleaning Tools. In Part 2, we resume the discussion of how to make your Mac run faster with the remaining Cleaner One Pro features: System and Application Management, Privacy Protection, and Other Options.
Your Mac may get sluggish after a year or two of usage and you may find that booting up takes a lot longer. Doing a Startup Manager scan can help you reduce slowdown due to unwanted startup programs and services, to help your Mac boot faster.
Upon completing the scan, Startup Manager will identify apps under two categories: Login Items and Launch Agents.
Login Items are apps that run automatically upon login. You can manage these apps by enabling them to run automatically or disabling them to make your Mac more efficient. If you don’t need autorun, you can remove the apps from the list.
Launch Agents are background services that run automatically on System startup for the extension features of apps. You can manage these services by letting them run automatically or by disabling them to make your Mac boot faster. Similarly, you can remove these agents if you don’t need them or they’re broken.
When a user installs an app that doesn’t meet their expectations, they’ll never use it again. In many cases, they remove the app by simply dragging it into the trash, assuming the action completely removes the app, but this is not always true. When you uninstall an app, there are often associated files left on your Mac, even after you have emptied the Trash. They’re known as leftovers.
Leftovers are an app’s associated files and folders that can include different languages, log files, agents, or processes that might try to start an application. App Manager aims to resolve this and helps you clean up your Mac by completely removing app leftovers. App Manager detects all app leftovers automatically so you can remove them with just one click.
Data security and privacy are especially important and managing these applies to anyone collecting and keeping data. Data that has reached its retention limit needs to be permanently removed from your file system and to be sure it can’t be recovered you need to overwrite the file with random series of binary data multiple times. This process is often referred to as shredding. With File Shredder, you can remove sensitive files from your hard disk without worrying that they can be recovered.
Preferences allows you to manage how the Cleaner One Pro app performs. In Preferences, you’ll see General, Notifications, Memory, Duplicates, Whitelists and Auto Select.
On the General tab, you can choose Auto start at login and other options according to how you would like Cleaner One Pro to behave during startup.
On the Notifications tab, you can disable the notification about smart memory optimization.
Cleaner One Pro is also equipped with a Smart Memory Optimization feature on the Memory tab. This feature uses artificial intelligence. You can set auto clean when your available memory is low or when an app is closed.
The Duplicates, Whitelists and Auto Select tabs work when you use the Duplicate Files feature on the main console. When there are too many duplicate files on your Mac, you can set the rules on the minimum file size, as well as which files to exempt or prioritize during deletion.
If you need technical assistance about Cleaner One Pro, click the robot icon either in the Apple Menu window or on the Main Console.
A chat support person will attend to your concerns or suggestions when using Cleaner One Pro. In case there is no available support engineer, you can send an email by clicking Send Email. Make sure to provide the correct email address.
Aside from Cleaner One Pro for Mac, we offer Antivirus One for Mac—as well as Cleaner One for iPhone, which you can download by scanning the QR Code. You can also submit your ideas for Other Tools by clicking the panel.
As you use your Mac over time, you need to maintain it to keep it running smoothly. Trend Micro Cleaner One Pro can clean up your disk space, help boost performance, and solve other Mac issues you might encounter during your daily work. As you consider it for your Mac, you may have remaining questions:
What’s the difference between the Free version and the Paid version? The Free version of Cleaner One Pro includes the Memory Optimizer, basic CPU and Network Monitoring, a Junk Files Cleaner, a Big Files Scanner, a Disk Map, and the Startup Manager. The Paid upgrade of Cleaner One Pro unlocks more features, including more Advanced CPU/Network Monitoring, a Duplicate Finder, a Similar Photos Scanner, an App Manager, and a File Shredder.
Is it safe to use Cleaner One Pro? Cleaner One Pro is notarized by Apple, which assures its users both security and privacy.
How can I download Cleaner One Pro? Cleaner One Pro is distributed via the official Trend Micro website and other authorized channels. Note that Cleaner One Pro is also available for Windows. To make it easy for the readers of this blog series, we’ve provided the download links here: Download Mac Version – Download Windows Version
Go to Cleaner One Windows or to Cleaner One Mac for more information or to purchase the apps.
The post Cleaner One Pro Speeds Up Your Mac: Part 2 appeared first on .
The past few months have seen radical changes to our work and home life under the Coronavirus threat, upending norms and confining millions of American families within just four walls. In this context, it’s not surprising that more of us are spending an increasing portion of our lives online. But this brings with it some familiar cyber-risks. In Part 1 of this mini-series, we explained how cyber-criminals are looking to capitalize on these sweeping changes to society to further their own ends.
Now let’s take a look at what you can do to protect your family, your data, and access to your corporate accounts.
The bad guys are laser-focused on stealing your personal data and log-ins and increasingly see the remote worker as an easy target for leapfrogging into corporate networks. That’s not to mention the potential internet safety risks inherent in bored kids spending more time in front of their screens. To respond, you’ll need to create an equally focused “home security plan” governed by sensible policies and best practices. Here are some of the key areas to consider.
Protect your smart home and router
Increasingly, unprotected smart home devices are being targeted by cyber-criminals to turn into botnets to attack others. They might also provide sophisticated attackers with a stepping-stone into your corporate systems, via the home network. The home router, with its known flaws, is (after the modem) the digital front door to the smart home and the basis for your networking, so it should be first in any security strategy. Consider the following when tackling home network security:
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Secure your home office
Cyber-criminals are primed to take advantage of distracted home workers and potentially less secure PCs/devices. Secure this environment by doing the following:
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Stay safe from phishing
Phishing is the number one tactic used by attackers to trick you into installing malware or handing over your log-ins. Emails, text messages, social media messages and more are spoofed to appear as if sent by a legitimate company or contact. In response:
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Use video conferencing safely
New videoconferencing platforms can introduce risk, especially if you’re not familiar with the default settings. Here’s how to stay safe when video conferencing:
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Stay safe shopping and banking
Next, protect your financial information and stay safe from e-commerce fraud by doing the following:
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Think about online safety for kids
They may be under your roof for more hours of the day than usual, but your children are also likely to be spending more time online. That means you need to have a measured conversation with them about internet safety, backed up with parental controls. Consider the following:
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Mobile security best practices
Finally, sheltering at home has limits, particularly for restless kids. When they go to the store or out to the park, facemasks notwithstanding, they’re likely going to use their mobile devices, just as they’ll continue to do at home. Of course, you’re not exempt either from mobile threats. Ensure mobile security by
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When it comes to protecting the home from security and privacy threats during lockdown, leave no stone unturned. Cyber-criminals will always look for the weak link in the chain and focus their efforts there. Network security is important, but it doesn’t replace the need for protection on each individual device. You’ll need to cover your router, network, smart devices, and all endpoints (PCs, laptops, mobiles and other devices). Here’s how Trend Micro can help:
Trend Micro Home Network Security
Trend Micro Home Network Security provides industry-leading protection against any threats to internet-connected devices in the home. The solution
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Trend Micro Security (PC and Mac)
Trend Micro Security, available in various editions (led by Trend Micro Maximum Security), is Trend’s flagship endpoint security product for consumers. Available for both PCs and Macs, it features AI learning to stop advanced threats. Among a wide range of protections, it includes:
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Trend Micro Mobile Security:
Trend Micro Mobile Security provides endpoint security for all your mobile devices, whether Android or iOS-based.
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Additional Trend Micro Tools:
Network and endpoint security should be supplemented with tools that accomplish specific tasks, such as protecting your internet connections, your passwords, and your identity data. Trend Micro provides
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Maintaining your family’s security and privacy on all their devices during the coronavirus lockdown above all means changing your mindset, to take into account the mix of work and play in the household during the “new normal.” Use these tips and tools during lockdown and you’ll be well on your way to ensuring you and your family’s safety from malicious viruses—both digital and natural.
The post Top Tips For Home Cybersecurity And Privacy In A Coronavirus-Impacted World (Part 2) appeared first on .
Welcome to the new normal. We’re all now living in a post-COVID-19 world characterized by uncertainty, mass home working and remote learning. The lines demarcating normal life have shifted abruptly – perhaps never to return. That’s not the worst that can happen, as we all know, but it does mean we all need to get used to new ways of living, working and studying from home. This has major implications for the online safety, security and privacy of our families.
To help you adapt to these new conditions while protecting what matters most, Trend Micro has developed a two-part blog series on “The New Normal.” Part 1 identifies the scope and specific cyber-threats of the new normal. Part 2 provides security tips and products to help address those threats.
In April, nearly 300 million Americans were estimated to be in government-mandated lockdown. Even as some businesses, municipalities and states begin to relax these rules, experts have warned of subsequent waves of the virus, which could result in new localized lockdowns. In short, a lot of people will continue to work from home, while their children, also at home, attempt to study remotely from their mobile devices.
This has considerable implications for how we spend our time. Without that morning commute to work or school, more of it than ever will involve sitting in front of a desktop, laptop, tablet or smartphone screen. Even the smart TV is enlisted. Dangers include
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Unfortunately, the increase in working from home (WFH), especially for those not used to it, may lead to an increase in risky behavior, such as: using non-approved apps for work; visiting non work-related sites on work devices; and using personal devices to access work resources. Recent global Trend Micro research found that:
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This is not about restricting your freedom to visit the sites you want to visit while at home. It’s about reducing the risk of exposing corporate data and systems to possible malware.
Unsurprisingly, there has also been a major uptick in the volume of cyber-threats targeting home users. With a captive audience to aim at, it’s a huge opportunity for cyber-criminals to steal your log-ins and personal data to sell to fraudsters, or even to steal corporate passwords and information for a potentially bigger pay-off. They are helped by the fact that many home workers may be more distracted than they usually would be at the office, especially if they have young children. Your kids may even share the same laptops or PCs as you, potentially visiting risky sites and/or downloading unapproved apps.
There’s also a chance that, unless you have a corporate machine at home, your personal computing equipment is less secure than the kit you had in the office. Add to that the fact that support from the IT department may be less forthcoming than usual, given that stretched teams are overwhelmed with requests, while themselves struggling to WFH. One recent report claimed that nearly half (47%) of IT security pros have been taken off some or all of their typical security tasks to support other IT-related jobs. In another, only 59% of respondents said they believe their cybersecurity team has the right tools and resources at home to perform their job effectively.
It’s time to step up and take security into your own hands. Stay on the lookout for the following threats.
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So what’s a remote worker/concerned parent to do to protect themselves and the family in the midst of the “new normal?”
Read Part 2 in this mini-series, which we’re publishing simultaneously with Part 1, where we share some best practice advice on how to keep your digital lives and work systems safe from online threats during lockdown—and where we provide tools to help you do just that.
The post Top Tips For Home Cybersecurity And Privacy In A Coronavirus-Impacted World (Part 1) appeared first on .
Coronavirus has caused a major shift to our working patterns. In many cases these will long outlast the pandemic. But working from home has its own risks. One is that you may invite ransomware attacks from a new breed of cyber-criminal who has previously confined his efforts to directly targeting the corporate network. Why? Because as a remote worker, you’re increasingly viewed as a soft target—the open doorway to extorting money from your employer.
So how does ransomware land up on your front doorstep? And what can a home worker do to shut that door?
The new ransomware trends
Last year, Trend Micro detected over 61 million ransomware-related threats, a 10% increase from 2018 figures. But things have only gotten worse from there. There has been a 20% spike in ransomware detections globally in the first half of 2020, rising to 109% in the US. And why is that?
At a basic level, ransomware searches for and encrypts most of the files on a targeted computer, so as to make them unusable. Victims are then asked to pay a ransom within a set time frame in order to receive the decryption key they need to unlock their data. If they don’t, and they haven’t backed-up this data, it could be lost forever.
The trend of late, however, has been to focus on public and private sector organizations whose staff are working from home (WFH). The rationale is that remote workers are less likely to be able to defend themselves from ransomware attacks, while they also provide a useful stepping-stone into high-value corporate networks. Moreover, cybercriminals are increasingly looking to steal sensitive data before they encrypt it, even as they’re more likely to fetch a higher ransom for their efforts than they do from a typical consumer, especially if the remote employee’s data is covered by cyber-insurance.
Home workers are also being more targeted for a number of reasons:
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What’s the attack profile of the remote working threat?
In short, the bad guys are now looking to gain entry to the corporate network you may be accessing from home via a VPN, or to the cloud-hosted systems you use for work or sharing files, in order to first steal and then encrypt company data with ransomware as far and wide as possible into your organization. But the methods are familiar. They’ll
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How can I prevent ransomware when working from home?
The good news is that you, the remote worker, can take some relatively straightforward steps up front to help mitigate the cascading risks to your company posed by the new ransomware. Try the following:
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How Trend Micro can help
In short, to close the cyber front door to ransomware, you need to protect your home network and all your endpoints (laptops, PCs, mobile devices) to be safe. Trend Micro can help via
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With these tools, you, the remote worker, can help shut the front door to ransomware, protecting your work, devices, and company from data theft and encryption for ransom.
The post Ransom from Home – How to close the cyber front door to remote working ransomware attacks appeared first on .
Introduction to hash functions Hash functions are one of the most extensively-used cryptographic algorithms in blockchain technology. They are cryptographic (but not encryption) algorithms that are designed to protect data integrity. In a nutshell, a hash algorithm is a mathematical function that transforms any input into a fixed size output. To be cryptographically secure — […]
The post Hash Functions in Blockchain appeared first on Infosec Resources.
We’ve all been spending more of our time online since the crisis hit. Whether it’s ordering food for delivery, livestreaming concerts, holding virtual parties, or engaging in a little retail therapy, the digital interactions of many Americans are on the rise. This means we’re also sharing more of our personal and financial information online, with each other and the organizations we interact with. Unfortunately, as ever, there are bad guys around every digital corner looking for a piece of the action.
The bottom line is that personally identifiable information (PII) is the currency of internet crime. And cyber-criminals will do whatever they can to get their hands on it. When they commit identity theft with this data, it can be a messy business, potentially taking months for banks and businesses to investigate before you get your money and credit rating back. At a time of extreme financial hardship, this is the last thing anyone needs.
It therefore pays to be careful about how you use your data and how you protect it. Even more: it’s time to get proactive and monitor it—to try and spot early on if it has been stolen. Here’s what you need to know to protect your identity data.
How identity theft works
First, some data on the scope of the problem. In the second quarter of 2020 alone 349,641 identity theft reports were filed with the FTC. To put that in perspective, it’s over half of the number for the whole of 2019 (650,572), when consumers reported losing more than $1.9 billion to fraud. What’s driving this huge industry? A cybercrime economy estimated to be worth as much as $1.5 trillion annually.
Specialized online marketplaces and private forums provide a user-friendly way for cyber-criminals and fraudsters to easily buy and sell stolen identity data. Many are on the so-called dark web, which is hidden from search engines and requires a specialized anonymizing browser like Tor to access. However, plenty of this criminal activity also happens in plain sight, on social media sites and messaging platforms. This underground industry is an unstoppable force: as avenues are closed down by law enforcement or criminal in-fighting, other ones appear.
At-risk personal data could be anything from email and account log-ins to medical info, SSNs, card and bank details, insurance details and much more. It all has a value on the cybercrime underground and the price fraudsters are prepared to pay will depend on supply and demand, just like in the ‘real’ world.
There are various ways for attackers to get your data. The main ones are:
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The COVID-19 challenge
As if this weren’t enough, consumers are especially exposed to risk during the current pandemic. Hackers are using the COVID-19 threat as a lure to infect your PC or steal identity data via the phishing tactics described above. They often impersonate trustworthy institutions/officials and emails may claim to include new information on outbreaks, or vaccines. Clicking through or divulging your personal info will land you in trouble. Other fraud attempts will try to sell counterfeit or non-existent medical or other products to help combat infection, harvesting your card details in the process. In March, Interpol seized 34,000 counterfeit COVID goods like surgical masks and $14m worth of potentially dangerous pharmaceuticals.
Phone-based attacks are also on the rise, especially those impersonating government officials. The aim here is to steal your identity data and apply for government emergency stimulus funds in your name. Of the 349,641 identity theft reports filed with the FTC in Q2 2020, 77,684 were specific to government documents or benefits fraud.
What do cybercriminals do with my identity data?
Once your PII is stolen, it’s typically sold on the dark web to those who use it for malicious purposes. It could be used to:
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How do I protect my identity online?
The good news among all this bad is that if you remain skeptical about what you see online, are cautious about what you share, and follow some other simple rules, you’ll stand a greater chance of keeping your PII under lock and key. Best practices include:
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How Trend Micro can help
Trend Micro offers solutions that can help to protect your digital identity.
Trend Micro ID Security is the best way to get proactive about data protection. It works 24/7 to monitor dark web sites for your PII and will sound the alarm immediately if it finds any sign your accounts or personal data have been stolen. It features
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Trend Micro Password Manager enables you to manage all your website and app log-ins from one secure location. Because Password Manager remembers and recalls your credentials on-demand, you can create long, strong and unique passwords for each account. As you’re not sharing easy-to-remember passwords across multiple accounts, you’ll be protected from popular credential stuffing and similar attacks.
Finally, Trend Micro WiFi Protection will protect you if you’re out and about connecting to WiFi hotspots. It automatically detects when a WiFi connection isn’t secure and enables a VPN—making your connection safer and helping keep your identity data private.
In short, it’s time to take an active part in protecting your personal identity data—as if your digital life depended on it. In large part, it does.
The post Identity Fraud: How to Protect Your Identity Data, Accounts and Money During the Coronavirus Crisis appeared first on .
McAfee’s Global Business Development Manager, Greg Vinson and CEO of Attivo Networks, Tushar Kothari discuss the solutions to Threat Deception.
The post ST22: Attivo Networks with Greg Vinson & Tushar Kothari appeared first on McAfee Blogs.
Technology has come in handy for most of us during these days of pandemic distancing. But for the -at-risk, homebound senior population, technology has been a lifeline connecting them to family members, online services, and healthcare. Still, this unprecedented shift to virtual life has also come with potential risks that seniors and their families should keep in mind.
According to a Pew study, senior adults continue to become more digitally connected, but adoption rates continue to trail younger users, and digital divides remain. The study also revealed that 77% of older adults needed assistance when it came to learning how to use technology.
If you are a senior or someone helping a senior become more tech-savvy, online safety should be a priority. Here are just some of the risks seniors may encounter and some helpful ways to stay safe.
Secure home routers and devices. Be sure to change your router’s default username and password to something strong and unique. Also, change the default passwords of any connected device before connecting to your home network. IoT (Internet of Things) devices are all the technologies under your roof that can connect such as security systems, healthcare monitors, hearing aids, and smart TVs. These technologies are embedded with sensors or software that can connect and exchange data with other household devices — and each must be secured to close privacy gaps. There are also routers with embedded security, to help secure the home from threats, no matter what devices is connected to the home network.
Use strong passwords. Strong passwords are essential for in-home devices, personal devices, social media sites, and any healthcare or banking portal. Creating a strong password is also a front-line defense against identity theft and fraud. For seniors, keeping passwords in one place is important, but can be hard to remember them all. comprehensive security software includes password management functionality, which makes it easer, to create and safely archive your passwords. -.
Avoid scams. There are a number of scams that target seniors. Phishing scams are emails that look legitimate that end up taking millions from seniors every year. For this reason, never click on suspicious links from government agencies, banks, hospitals, brokerages, charities, or bill collectors unless you are certain they are legitimate. Scammers use these malicious links to con people out of giving away cash or personal data that can be used to create a number of fraudulent accounts. Consider protecting all personal devices with a comprehensive security solution.
Use a personal VPN. A Virtual Private Network (VPN) encrypts (or scrambles) your data when you connect to the Internet and enables you to browse or bank with your credentials and history protected. To learn about VPNs, watch this video.
Beware of dating scams. People aren’t always who they appear to be online. And while dating scams can happen to any age group, they can be especially harmful to a vulnerable senior who may be lonely and living on a limited income. Love scam red flags: Beware of people who claim to be from the U.S. but often travel or work overseas. Also, avoid people who profess their love too quickly, share personal struggles too soon, and never meet face-to-face.
Take a closer look. Fraudulent websites look very real these days. A secure website will have an “https” in the browser’s address bar. The “s” stands for “secure.” If the web address or URL is just http, it’s not a secure site. Still unsure? Read reviews of the site from other users before making a purchase. Never send cash, cashier’s check, or a personal check to any online vendor. If purchasing, always use a credit card in case there is a dispute.
Never share personal data. Be wary of emails or websites that require you to give personal information, such as your social security number, phone number, account, or family information. This includes those fun social media quizzes, which are also ways that cybercriminals can find out your personal details, such as a pets name, year you were born, your home town. All those pieces of personal data can be used to commit identity theft.
Monitor financial accounts. Nowadays, it’s essential to review all financial statements for fraudulent activity. If suspicious activity is found, report it to your bank or credit card account immediately. It’s also a good idea to put a credit alert on your accounts to detect potential fraud.
This unique time has issued unique challenges to every age group. However, if you know a senior, keep their potential technology needs in mind. Check in from time to time and offer your help. If you are a tech-savvy senior (and I know many), consider reaching out to peers who may be struggling and afraid to ask. In addition, YouTube has a number of easy-to-understand videos on any tech question. In addition, both Apple and Microsoft stores offer free advice on their products and may also help. Just be sure to visit their official websites to reach legitimate tech support channels.
The post 8 Ways to Help Senior Adults Stay Safe Online These Days appeared first on McAfee Blogs.
Für viele ist das Arbeiten im Home Office zur Normalität geworden. Microsoft Teams stellt dabei den Ankerpunkt der effektiven Zusammenarbeit und dem Austausch von Inhalten in Microsoft 365 dar. Welche Auswirkung das jedoch auf die Sicherheit hat, diskutieren wir in diesem Podcast. Hierfür zusammengekommen sind Alexander Haug, unser Security Engineer mit Fokus auf Data Protection, sowie Chris Trynoga, unser Solution Architect und Experte für ganzheitliche Sicherheitsansätze.
The post ST23: Moderner Datenschutz für Microsoft Teams (German) appeared first on McAfee Blogs.
Vor dem Hintergrund des IT-Fachkräftemangels gestaltet es sich für Unternehmen immer schwieriger, mit der wachsenden Zahl sowie Raffinesse von Cyber-Angriffen Schritt zu halten und drängt Sicherheitsteams dazu, oft nur noch reaktiv agieren zu können. Wie Sie mithilfe einer umfassenden Bedrohungsdatenbank sowie proaktiver Reaktionsmaßnahmen Ihre Endgerätesicherheit verbessern und Reaktionszeiten von Monaten auf Stunden verkürzen können, diskutieren wir in diesem Podcast. Hierfür zusammengekommen sind Heiko Brückle, McAfee Senior Security Engineer, sowie Chris Trynoga, McAfee Regional Solution Architect.
The post ST24: Proaktive Absicherung zur Minimierung von Endgeräterisiken (German) appeared first on McAfee Blogs.
Malicious actors are increasingly taking advantage of the burgeoning at-home workforce and expanding use of cloud services to deliver malware and gain access to sensitive data. According to an Analysis Report (AR20-268A) from the Cybersecurity and Infrastructure Security Agency (CISA), this new normal work environment has put federal agencies at risk of falling victim to cyber-attacks that exploit their use of Microsoft Office 365 (O365) and misuse their VPN remote access services.
McAfee’s global network of over a billion threat sensors affords its threat researchers the unique advantage of being able to thoroughly analyze dozens of cyber-attacks of this kind. Based on this analysis, McAfee supports CISA’s recommendations to help prevent adversaries from successfully establishing persistence in agencies’ networks, executing malware, and exfiltrating data. However, McAfee also asserts that the nature of this environment demands that additional countermeasures be implemented to quickly detect, block and respond to exploits originating from authorized cloud services.
Read on to learn from McAfee’s analysis of these attacks and understand how federal agencies can use cloud access security broker (CASB) and endpoint threat detection and response (EDR) solutions to detect and mitigate such attacks before they have a chance to inflict serious damage upon their organizations.
McAfee’s analysis supports CISA’s findings that adversaries frequently attempt to gain access to organizations’ networks by obtaining valid access credentials for multiple users’ O365 accounts and domain administrator accounts, often via vulnerabilities in unpatched VPN servers. The threat actor will then use the credentials to log into a user’s O365 account from an anomalous IP address, browse pages on SharePoint sites, and then attempt to download content. Next, the cyberthreat actor would connect multiple times from a different IP address to the agency’s Virtual Private Network (VPN) server, and eventually connect successfully.
Once inside the network, the attacker could:
McAfee’s comprehensive analysis of these attacks supports CISA’s proposed best practices to prevent or mitigate such cyber-attacks. These recommendations include:
While these recommendations provide a solid foundation for a strong cybersecurity program, these controls by themselves may not go far enough to prevent more sophisticated adversaries from exploiting and weaponizing cloud services to gain a foothold within an enterprise.
Organizations will gain a running start to identifying and thwarting the attacks in question by implementing a full-featured CASB such as McAfee MVISION Cloud, and an advanced EDR solution, such as McAfee MVISION Endpoint Threat Detection and Response.
Deploying MVISION Cloud for Office 365 enables agencies’ SOC analysts to assert greater control over their data and user activity in Office 365—control that can hasten identification of compromised accounts and resolution of threats. MVISION Cloud takes note of all user and administrative activity occurring within cloud services and compares it to a threshold based either on the user’s specific behavior or the norm for the entire organization. If an activity exceeds the threshold, it generates an anomaly notification. For instance, using geo-location analytics to visualize global access patterns, MVISION Cloud can immediately alert agency analysts to anomalies such as instances of Office 365 access originating from IP addresses located in atypical geographic areas.
When specific anomalies appear concurrently—e.g., a Brute Force anomaly and an unusual Data Access event—MVISION Cloud automatically generates a Threat. In the attacks McAfee analyzed, Threats would have been generated early on since the CASB’s user behavior analytics would have identified the cyber actor’s various activities as suspicious. Using MVISION Cloud’s activity monitoring dashboard and built-in audit trail of all user and administrator activities, SOC analysts can detect and analyze anomalous behaviors across multiple dimensions to more rapidly understand what exactly is occurring when and to what systems—and whether an incident concerns a compromised account, insider threat, privileged user threat, and/or malware—to shrink the gap to remediation.
In addition, with MVISION Cloud, an agency security analyst can clearly see how each cloud security incident maps to MITRE ATT&CK tactics and techniques, which not only accelerates the entire forensics process but also allows security managers to defend against similar attacks with greater precision in the future.
Furthermore, using MVISION Cloud for Office 365, agencies can create and enforce policies that prevent the uploading of sensitive data to Office 365 or downloading of sensitive data to unmanaged devices. With such policies in place, an attacker’s attempt to exfiltrate sensitive data will be mitigated.
In addition to deploying a CASB, implementing an EDR solution like McAfee MVISION EDR to monitor endpoints centrally and continuously—including remote devices—helps organizations defend themselves from such attacks. With MVISION EDR, agency SOC analysts have at their fingertips advanced analytics and visualizations that broaden detection of unusual behavior and anomalies on the endpoint. They are also able to grasp the implications of alerts more quickly since the information is presented in a format that reduces noise and simplifies investigation—so much so that even novice analysts can analyze at a higher level. AI-guided investigations within the solution can also provide further insights into attacks.
With a threat landscape that is constantly evolving and attack surfaces that continue to expand with increased use of the cloud, it is now more important than ever to embrace CASB and EDR solutions. They have become critical tools to actively defend today’s government agencies and other large enterprises.
Learn more about the cloud-native, unified McAfee MVISION product family. Get your questions answered by tweeting @McAfee
The post How CASB and EDR Protect Federal Agencies in the Age of Work from Home appeared first on McAfee Blogs.
Video conferencing has really taken off this year. With more people working and learning from home than ever before, video calling has rapidly become the mainstream method for remote communication, allowing users to stay connected. But very few may realize that they might be giving away their passwords on video calls through their body language. According to Tom’s Guide, call participants can guess a user’s passwords through the arm and shoulder movements they make while they type.
Let’s unpack how this threat works so you can continue to connect via video calls worry-free.
Keyboard snooping, or a keyboard interference threat, occurs when an attacker is present on a video call and observes the target’s body and physiological features to infer what they are typing. To pull off this attack, the hacker would need to record the meeting or video stream and feed it through a computer program. This program eliminates the visual background and measures the user’s arm and shoulder movements relative to their face. From there, the program analyzes the user’s actions to guess which keys they are hitting on the keyboard – including passwords and other sensitive information.
So, how accurate is this program, anyway? While this shows that the program was only correct 20% of the time when subjects were on their own devices in an uncontrolled environment, the program’s accuracy increased to 75% if their password was one of the one million most commonly used passwords. And suppose the program already knew their email address or name. In that case, it could decipher when the target was typing this information during the video call (and when their password would immediately follow) 90% of the time. The less complex the target makes their password, the easier it is for the program to guess what they’re typing.
Keystroke inference attacks can have potentially dangerous effects, since the text typed can often contain sensitive or private information even beyond passwords, like credit card numbers, authentication codes, and physical addresses. It’s also important to note that any video conferencing tool or videos obtained from public video sharing/streaming platforms are susceptible to this attack.
Therefore, to prevent your meeting attendees from snooping on what you’re typing, follow these tips for greater peace-of-mind:
Avoid giving keyboard snoopers the upper hand by making your password or passphrase as unique as the information it’s protecting. If a hacker does manage to guess your password for one of your online accounts, they will likely check for repeat credentials across multiple sites. By using different passwords or passphrases for your online accounts, you can remain calm and collected knowing that the majority of your data is secure if one of your accounts becomes vulnerable.
Two or multi-factor authentication provides an extra layer of security, as it requires multiple forms of verification like texting or emailing a secure code to verify your identity. Most popular online sites like Gmail, Dropbox, LinkedIn, Facebook, etc. offer multi-factor authentication, and it takes just a few minutes to set it up. This reduces the risk of successful impersonation by criminals who may have uncovered your information by keyboard snooping.
Take your security to the next level with a password manager, like the one included in McAfee Total Protection. A password manager can help you create strong passwords, remove the hassle of remembering numerous passwords, and log you on to websites automatically.
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 How to Prevent Keyboard Snooping Attacks on Video Calls appeared first on McAfee Blogs.
Die Cloud ist und bleibt ein Treiber für die digitale Transformation. Nachdem der Fokus primär auf die Erkennung von Shadow-IT
und die Absicherung von SaaS-Diensten lag, wandert nun der Blick auf längerfristige Projekte: Die Migration von ganzen Diensten
und Anwendungen in Richtung Cloud. In diesem Podcast sprechen wir daher über die Themen Infrastruktur und Container in der
Cloud, wie diese sich in die bestehende Architektur einbinden und welche weiteren wichtigen Sichtweisen für eine umfassendes
Sicherheitskonzept hilfreich sind.
The post ST25: Absicherung von Cloud-nativen Anwendungen appeared first on McAfee Blogs.
It’s tax time in the United States, and even if you’re pretty sure you did everything right, you’re worried. Did I file correctly? Did I claim the right deductions? Will I get audited? Unfortunately, tax season brings out scammers eager to take advantage of your anxiety.
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, 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. With the information they get from you, hackers can take things a step further by stealing your identity and filing tax claims in your name.
As if we didn’t have enough to worry about at tax time.
The good news is that you have plenty of ways to protect yourself from hackers. Check out these tips to stay safe this tax season.
Straight from the authority itself, the IRS has published its top 12 tax season scams with new warnings brought on by the events of 2020.
For example, new to this year are scams associated with stimulus checks sent out by the government. The IRS says they have seen “… a tremendous increase in phishing schemes utilizing emails, letters, texts and links. These phishing schemes are using keywords such as “coronavirus,” “COVID-19” and “Stimulus” in various ways.”
This is very important: The IRS does not use email. If you get an email from someone saying they are the IRS and they want to talk with you about a problem, it is a scam.
Here’s what the IRS has to say:
The IRS will never initiate contact with taxpayers via email about a tax bill, refund, or Economic Impact Payments. Don’t click on links claiming to be from the IRS. Be wary of emails and websites − they may be nothing more than scams to steal personal information.
Social media attacks also made the IRS Dirty Dozen. In a social media attack, scammers harvest information from social media profiles. Hackers use the information to gain access to your online accounts in social media and beyond, like your bank account. Make it hard for them. Make your social media profiles private so that only friends and family can see them. Also consider so you can be safer from these kinds of crimes.
When a hacker poses as an IRS agent, they try to get personal information from you, like your social security number. They might demand payment, sometimes under the threat of penalties or even jail time. These strong-arm tactics are a dead giveaway that the email or phone call is fake.
What will the IRS do? Usually, the IRS will first mail a bill 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 a 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.
And remember: the IRS does not use email to contact you about tax problems.
A good defense is a good offense. File early. Protect yourself by filing your claim before they have a chance to file one as you. You don’t want to be one of those identity theft victims who finds out you’ve been scammed when you file your taxes only to get a notice in the mail saying your tax claim has already been filed.
Here’s other tool that can help you fight identity theft. And get this: it’s not only helpful, it’s 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 you free credit report coverage across the whole year.
The idea is that, just like with your physical wellness, there are lots of steps you can take to protect your digital wellness. We’ve covered some of those steps in this blog. Consider one more: protect your digital life with a holistic security solution like McAfee Total Protection so you can enjoy life online knowing your precious data is protected. Tax time or otherwise, security software is always a smart move.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, subscribe to our email, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post Who loves tax season besides accountants? Hackers appeared first on McAfee Blogs.
Distance and hybrid learning environments are now the norm, and it remains to be seen if or when this will change. To adapt, many schools have adopted new software to support remote classroom management.
One such platform is Netop Vision Pro, a student monitoring system that helps teachers facilitate remote learning. The software allows teachers to perform tasks remotely on students’ computers, such as locking their devices, blocking web access, remotely controlling their desktops, running applications, and sharing documents. However, the McAfee Advanced Threat Research (ATR) team recently discovered multiple vulnerabilities with Netop Vision Pro that could be exploited by a hacker to gain full control over students’ computers.
Let’s dive into these vulnerabilities and unpack how you can help protect your students in the virtual classroom.
Just like a school science project, our researchers created a simulation to test their hypothesis regarding the potential software bugs. The McAfee ATR team set up the Netop software to mimic a virtual classroom with four devices on a local network. Three devices were appointed as students, and one was designated as the teacher. During the setup, the team noticed that there were different permission levels between student profiles and teacher profiles. They decided to see what would happen if they targeted a student profile, since this would likely be the avenue a hacker would take since they could cause more damage. With their experiment set up, it was time for our researchers to get inside the mind of a cybercriminal.
While observing the virtual classroom, the ATR team discovered that all network traffic — including sensitive information like Windows credentials — was unencrypted with no option to turn encryption on during configuration. They also noticed that a student connecting to a classroom would unknowingly begin sending screenshots to the teacher.
Furthermore, the ATR team noticed that teachers would send students a network packet (a small segment of internet data) prompting them to connect to the classroom. With this information, the team was able to disguise themselves as a teacher by modifying their code. From there, they explored how a hacker could take advantage of the compromised connection.
The McAfee ATR team turned their attention to Netop Vision Pro’s chat function, which allows teachers to send messages or files to a student’s computer, as well as delete files. Any files sent by a teacher are stored in a “work directory,” which the student can open from an instant message (IM) window. Based on the team’s discovery that a hacker could disguise themselves as a teacher, it became clear that hackers could also use this functionality to overwrite existing files or entice an unsuspecting student to click on a malicious file.
Of course, remote learning software is necessary right now to ensure that our children stay on top of their studies. However, it’s important that we educate ourselves on these platforms to help protect our students’ privacy. While the Netop Vision Pro student screen shares may seem like a viable option for holding students accountable in the virtual classroom, it could allow a hacker to spy on the contents of the students’ devices. While the functionality allows teachers to monitor their students in real-time, it also puts their privacy at risk.
If a hacker is able to impersonate a teacher with modified code, they could also send malicious files that contain malware or other phishing links to a student’s computer. Netop Vision Pro student profiles also broadcast their presence on the network every few seconds, allowing an attacker to scale their attacks to an entire school system.
Finally, if a hacker is able to gain full control over all target systems using the vulnerable software, they can equally bridge the gap from a virtual attack to the physical environment. The hacker could enable webcams and microphones on the target system, allowing them to physically observe your child and their surrounding environment.
Our researchers reported all vulnerabilities discovered to Netop and heard back from the company shortly after. In the latest software release 9.7.2, Netop has addressed many of the issues the McAfee ATR team discovered. Students can no longer overwrite system files, which could be used take control of the student machine. Additionally, Windows credentials are now encrypted when being sent over the network. Netop also told McAfee that they have plans to implement full network encryption in a future update, which will prevent an attacker from easily monitoring student’s screens and prevent them from being able to emulate a teacher.
While Netop works to remedy these issues internally, there are some critical steps parents can take to help protect and empower your children in the virtual classroom. Check out the following tips to bring you and your family peace of mind while using third-party education platforms:
If your student is required to use Netop Vision Pro or other third-party software while distance learning, have them use this technology on a device strictly used for educational purposes. If the software contains any bugs, this prevents other important accounts used for online banking, emails, remote work, etc. from becoming vulnerable to the software risks.
It’s important to keep in mind that Netop Vision Pro was never intended to be internet-facing or taken off a school network. Let’s look at this scenario through the eyes of a hacker: they will likely try to take advantage of these vulnerabilities by delivering a malicious payload (parts of cyberattacks that can cause harm) or phishing attempts. To protect your students from these threats, utilize a comprehensive security solution like McAfee® Total Protection, which helps defend your entire family from the latest threats and malware while providing safe web browsing.
Educators want to keep their students’ best interest and safety in mind, so talk to your child’s teacher or principal if you ever have concerns regarding the software they are using for distance learning. If your student is required to use Netop, ensure that the teacher or principal is aware of the vulnerabilities listed above so they can be sure to administer the necessary software updates to keep your child and their classmates safe.
A simple yet affective way to prevent hackers from spying on you and your family is to use a webcam cover for when class is not in session. Instruct your student to place a cover over their camera when they are not using it to bring you and your student greater peace of mind.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, subscribe to our email, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post Keep Remote Classes Safe and in Session: What You Need to Know About Netop Vision Pro appeared first on McAfee Blogs.
Learning environments are not what they used to be, and as educational institutions deploy new technology to facilitate a safe and effective remote learning environment, their cyber vulnerabilities also increase. Canadian schools especially have seen a rise in ransomware attacks with the transition to online learning, opening the door for hackers to exploit student data and sabotage academic research. To combat the rising cybersecurity concerns, educators need to implement new measures to uphold secure and efficient distance learning environments without allowing student data and privacy to hang in the balance.
Limiting disruptions remains a high priority for educators as they discover how to manage their remote classrooms. Although many teachers are familiar with supplemental technologies such as tablets and online programs, it’s another matter entirely to be completely dependent on them to support a fully virtual classroom. When investing in online learning tools, educational institutions should not allow their concern for efficiency to overshadow an equally important requirement: safety.
The education sector has seen its fair share of cybersecurity attacks since the widespread shift to remote classrooms. According to Microsoft, the global education industry has the most malware attacks, even more than prominent industries such as business, finance, and healthcare. K-12 schools especially have experienced an uptick in ransomware and Distributed Denial of Service (DDoS). Many Canadian schools are experiencing cyber security incidents, damaging the integrity of their student data and privacy. With hackers consistently seeking to take advantage of the vulnerabilities in new technology, this prompts further discussion into why education is such a highly targeted industry.
The rapid shift to remote learning is an obvious culprit for the increasing threat level, but higher education institutions were already vulnerable before the pandemic. Many students simply lack the proper security awareness when using their online devices. In Morphisec’s CyberSecurity Threat Index, more than 30% of higher education breaches were caused by students falling victim to email scams, misusing social media, or other careless online activities. Budgetary constraints are also to blame for increasing online attacks, as many schools lack adequate funding to support a robust cybersecurity infrastructure. Cybercriminals recognize the vast amount of student data that schools have on record, and this incentivizes them further to infiltrate their systems.
Many of the new remote learning technologies introduced during the pandemic have exposed the risks associated with a lack of stringent security measures. For example, until recently, Agora’s video conferencing software exhibited a vulnerability that would have allowed hackers to spy on video and audio calls. With a growing number of students accessing remote learning technologies through their schools’ networks, it’s especially critical for schools to re-evaluate their security protocols to safeguard their students.
Schools at all levels need to proactively secure their digital technologies and safeguard their students’ data integrity. With the right approach, students and educators can mitigate the risks of cyber threats. Here are four critical cybersecurity steps that schools should take immediately:
It only takes one person to allow a hacker to infiltrate a school system. Digital security training is a must to ensure that students and faculty can recognize and take the appropriate action for suspicious activities like phishing emails. For example, a common cyber threat is when hackers pose as school officials asking for important information such as tax information or identification information.
Since many of the learning technologies on the market are new to students and staff, it’s especially critical to understand the implications of a security breach and the necessary steps to mitigate risks.
2.User Access Control
The principle of “least privilege” can also help avoid a cyber attack. This principle only allows users access to data and systems on a need-to-know basis and can mitigate data breaches that occur via unauthorized or unnecessary access. Hackers often try to infiltrate lower-level devices and accounts as a way to gain access to higher-value accounts and systems. Schools can take action by optimizing a list of what users have access to, which functions they have access to, and why. Ensuring that users have access to only what they need will limit attacks to smaller areas of the system and help protect the security ecosystem as a whole.
An often overlooked but critical cybersecurity protocol is having a robust password management policy. These policies must also be in accordance with provincial and territorial legislation, which set guidelines and rules that govern how students and faculty use their devices and online learning technologies. Password management policies that encourage strong passwords and multi-factor authentication are essential to prevent password sharing and unrestricted access.
Third-party technology vendors have become an integral component of distance learning, but they are also a vulnerability. Educational institutions need to ensure that they are properly managing their technology vendors so their students’ safety is prioritized above all else. Undergoing a thorough vetting process to evaluate third-party technology, as well as vendors’ terms and conditions, will help identify any security gaps that can create greater issues down the road.
The ascendance of distance learning during the pandemic has given educators, students, and parents new insights into both the opportunities and challenges of not being in a physical classroom. One of the most critical is the importance of creating safe and secure virtual environments to ensure that students are safe. Despite the benefits that education technology provides, without proper training or technical safeguards in place, schools and students are left vulnerable to the dangers of external threats. By enhancing awareness of cyber threats and implementing a strong security strategy, educators and parents can start creating safer learning environments for students to thrive.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, subscribe to our email, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post Prioritizing Security in a Remote Learning Environment appeared first on McAfee Blogs.
Something you’ll want to know about all those movies, mp3s, eBooks, air miles, and hotel points you’ve accrued over the years: they’re digital assets that can factor into a divorce settlement.
Understandably, several factors determine the distribution of assets in a divorce. However, when it comes to dividing digital assets, divorce settlements and proceedings are charting new territory. The rate of digital innovation and adoption in recent years has filled our phones, tablets, and computers with all manner of digital assets. What’s more, there are also the funds sitting in our payment apps or possibly further monies kept in the form of cryptocurrencies like bitcoin. Put plainly, the law is catching up with regards to the distribution of these and other digital assets like them.
Yet one thing that the law recognizes is that digital assets can have value and thus can be considered property subject to distribution in a divorce.
In light of this, the following is a checklist of considerations that can help prepare you or someone you know for the distribution of digital assets in a fair and just way.
Nothing offered in this article is legal advice, nor should it be construed as such. For legal advice, you can and should turn to your legal professional for counsel on the best approach for you and the laws in your area.
For starters, let’s get an understanding as to what actually constitutes a digital asset.
Because laws regarding digital assets vary (and continue to evolve), the best answer you can get to this question will come from your legal counsel. However, for purposes of discussion, a digital asset is any text or media in digital form that has value and offers the bearer the right to use it.
To put that in practical terms, let’s look at some real-world examples of what could constitute a digital asset. That list includes, but is not limited to:
However, digital assets can readily expand to further include:
And like any other asset in the case of a divorce, a value will be ascribed to each digital asset and then distributed per the conditions or orders of the settlement.
Arriving at the value of specific digital assets begins with an inventory—listing all the digital assets and accounts you own, just as you would with any other monetary or physical assets like bank accounts, properties, and cars. When you go through this process, chances are you’ll quickly find that you have hundreds if not thousands of dollars of digital assets.
For example, we can look at the research we conducted in 2011 which found that people placed an average value of $37,438 on the digital assets they owned at the time. Now, with the growth of streaming services, digital currency, cloud storage, and more in the past ten years, that figure feels conservative.
Above and beyond preparing for a divorce settlement, taking such an inventory of your digital assets is a wise move. One, it provides you with a clearer vision of the things you own and their worth; two, maintaining such a list gives you a basis for estate planning and determining who you would like to see receive those assets. Likewise, maintain that list on a regular basis and keep it safe. It’s good digital hygiene to do so.
With this inventory, each asset can then have an assessed value ascribed to it. In some instances, a value will easily present itself, such as the cost of a subscription or how much money is sitting in a PayPal account. In other cases, the value will be sentimental, such as the case is with digital photos and videos. Ideally, you and your spouse will simply be able to duplicate and share those photos and videos amicably, yet it is important that you articulate any such agreement to do so. This way, a settlement can call out what is to be shared, how it will be shared, and when.
Not all digital assets are transferrable. Certain digital assets are owned solely in your name. In other words, you may have access to certain digital assets that cannot transfer to someone else because you do not have the rights to do so per your user agreement. This can be the case with things such as digital books, digital music, and digital shows and movies.
In such circumstances, there may be grounds for negotiation and a “limited transfer” in the settlement, where one party exchanges one asset for another rather than splitting it equally. A case in point might be a sizeable eBook library on a device that’s in the name of one spouse. While that library can’t be split or transferred, one spouse may keep the eBook library while another spouse keeps a similarly valued asset or group of assets in return—like say a collection of physical books.
Streaming services will need to be addressed too. Be prepared to either terminate your accounts or simply have them assigned to the person in whose name they are kept. In the case of family accounts, the settlement should determine how that is handled, whether it gets terminated or similarly turned over to one spouse or the other. In all, your settlement will want to specify who takes over what streaming service and when that must occur.
Like dividing up investment accounts where the value of the account can vary daily, digital currencies can present challenges when spouses look to divide the holdings. Cryptocurrency valuation can be quite volatile, thus it can be a challenging asset to settle from a strict dollar standpoint.
What’s more, given the nature of digital currencies, there are instances where an unscrupulous spouse may seek to hide worth in such currency—which is an evolving issue in of itself. This recent article, “Cryptocurrency: What to Know Before and During Divorce,” covers the additional challenges of cryptocurrency in detail, along with an excellent primer on what cryptocurrency is and how it works.
Ultimately, cryptocurrency is indeed an asset, one that your attorney and settlement process will need to address, specifically so that there are no complications later with the transfer or valuation of the awarded currency.
With accounts changing hands, now’s the time to start fresh with a new set of passwords. What’s more, we have a tendency to reuse the same passwords over and over again, which may be known to an ex-spouse and is an inherent security risk in of itself. Change them. Even better, take this opportunity to use a password manager. A password manager can create and securely store strong, unique passwords for you, thus saving you the headache of maintaining dozens of them yourself—not to mention making you far more secure than before.
Again, keep in mind that nothing here is legal advice. Yet, do keep these things in mind when consulting with an attorney. The reality is that we likely have thousands of dollars of what could be considered digital assets. Inventorying them and ascribing a fair market value to them along with your legal professional is the first step in a fair and just settlement.
The post Digital Divorce: Who Gets the Airline Miles and Music Files? appeared first on McAfee Blogs.
World Password Day isn’t the most popular day on the calendar, but it’s an important reminder that good password hygiene is essential to staying safe online. This World Password Day, we’d like to talk about improving your password hygiene, how you can help your friends and family improve theirs, and what the future of authentication holds.
The SolarWinds hack in 2020 is one of the most devastating hacks in the history of the internet. Close to 20,000 company’s systems were compromised, losing billions of pieces of data in the process. If you’re one of the 37% of Americans that go long periods of time without updating passwords*, large-scale attacks like SolarWinds can be devastating. By stealing so many login credentials simultaneously, attackers can potentially access exponentially more accounts by reusing leaked credentials on different sites. Unfortunately this is not an isolated event, data breaches from websites and services we frequently use continue to happen through 2021 as well.
According to a recent survey we conducted, 34% of Americans have reused the same, or similar, password more than once. By using the same password for multiple accounts, attackers only need to find one password, creating a domino effect that makes it easier to access more accounts. If that password is weak, it becomes even easier to tip over that first domino.
Our guidance is to create strong, hard-to-guess passwords to protect your accounts. We recommend creating a unique password for every online account, using more than 16 characters, with upper and lower case letters, some numbers, and special symbols, to make a stronger than average password. How are you supposed to remember all of those strong passwords, though?
Well, password managers, especially those included in comprehensive security suites like McAfee® Total Protection, do much of the heavy lifting for you. For instance, McAfee’s integrated password manager not only helps you create stronger passwords and store them, but will also autofill your credentials and log you into websites as well. These convenient features extend beyond just your computer and can be used on other devices like your phone and tablet. Best of all, password managers that are an integrated part of a security suite can be monitored, so you’ll be alerted if your passwords get exposed in a data breach.
You’ve already taken a step towards improving your password hygiene by reading this blog post. But the next step is, have an honest look at your passwords. Do you write them down, use the same for many accounts, or use weak ones? Then it may be time for a change to better protect your accounts and the personal info in those accounts.
If you’re like a certain member of my family—that will remain nameless, Mom—who kept their passwords written down in a notepad, making the change to a password manager (McAfee’s, naturally) was a life-changing moment. Not only did it help her see just how often she was using the same login credentials, she now has an easy way to store, auto-fill, and even generate strong passwords across all her accounts and devices. An intended bonus was that she also realized how many accounts she was no longer using!
Now that you know more about what makes a strong password and how to protect them, let’s talk about why strong passwords are just the start of keeping your accounts safe. You’re probably already using Two-Factor Authentication for apps and services, but you may not have heard the term before. Two-Factor Authentication, or 2FA, is the second layer of protection to authenticate or prove you are the owner of this account. If you’ve received a text message or an email to confirm a new account signup, that’s a type of 2FA.
Text messages and email aren’t the only types of 2FA. There are USB keys, apps, and even systems built-in to your phone, like facial recognition to open phone apps, for example. Some popular 2FA options are USB keys and Google Authenticator.
The great thing about 2FA is that it helps make your strong passwords even more effective by stopping an attacker from using stolen credentials. If you fell victim to a phishing attack that looked like your bank’s website, the attacker would have your email and password combination. Without 2FA, they could log into your account and pretend they’re you. With 2FA in place, it becomes much harder for an attacker to access your account because they’re missing that last important piece of information.
Humans are almost always the weakest link when it comes to securing information. But by committing ourselves to better password practices, with help from the latest technology, we can make sure passwords are a strong link in our security chain; one that will only get stronger in the future.
For instance, using a device like a key-fob, new passwordless systems can authenticate a user without entering their login details. Not only does this make logging into your accounts lightning fast, you also never have to remember a complicated password again.
Biometric locks, like FaceID, are another example of passwordless entry. Using your face, or a fingerprint to authenticate yourself makes it much harder for attackers to break into your accounts.
We hope this Password Day post has helped answer some questions about password hygiene and how to take better care of your online accounts. Online security changes from day to day, so staying aware of new technologies and building safe new habits is essential. Perhaps one day this day will no longer need to exist on our calendars, as we look to a future where we might not need passwords at all. While we collectively make strikes towards this future, let’s celebrate this day while it lasts.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, subscribe to our email, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post World Password Day: Make Passwords the Strongest Link in Your Online Security appeared first on McAfee Blogs.
Kids are online now more than ever, not just during free time, but also during school time. It is impossible to always peek over their shoulder, and depending on their age, they may grow tired of a POS (aka parent over shoulder). The internet can be a dangerous place, but with the right education, kids can navigate hazards and remain safe and calm while online.
Check out this online safety guide on how to keep your children engaged while learning about cybersecurity and imparting lessons that stick. This guide will work for children ages 6 through 18 with variations.
The first tip to teaching kids about online safety is making sure that your lessons are relatable. For example, if the day’s lesson is about phishing, do not illustrate it with an example of a major corporation’s folly. Instead, liken it to stranger danger. Just like kids know not to talk to strangers on the sidewalk and to distrust strangers who say they have candy, tell them that the same rule applies to online strangers: Walk right by and do not accept anything you are offered. That means not clicking on any links the online stranger sends you, especially when they say you have won a prize. Thirty-four percent of Canadians have encountered a phishing attack since the beginning of the pandemic, according to Statistics Canada. This prevalence means that it is likely someone in your family will receive a phishing message. Warn children that phishing and other social engineering attempts are likely to play with their emotions to make them feel happy, excited, mad, or scared. Encourage your children to always stay calm online and let an adult know when they are approached by strangers.
Along the lines of keeping cybersecurity lessons relatable, make sure that children also know what is at stake if they are irresponsible online. In the case of clicking on suspicious links, tell children that this could make their device ill. When computers are infected with a virus, or are sick, they work slowly and could shut off when they are in the middle of a school assignment. Also, make note of the prevalence of viruses, and how children should stay on guard for them constantly. Over 800,000 Canadian devices had encounters with malware in the last 30 days, at the time this article was written.
In extreme cases, children can have their identities stolen due to irresponsible online behavior. A stolen identity could affect their credit card eligibility and set them off on the wrong foot in adulthood. Stress the severity of identity theft and the specific consequences. Teenagers who have their sights set on financial freedom, buying a car, or setting up their own bank account could be severely affected. The best way to keep your identity safe is by keeping your Social Insurance Number completely private, never sharing your banking information, and not oversharing online. Canada’s Centre for Digital and Media Literacy explains that preteens especially have a hard time judging the accuracy of online information and are vulnerable to filling out forms that ask for their personal information. When possible, try to keep all internet-connected devices in communal areas of your home so you can periodically check in on your kids.
When teaching children about online safety, make sure you don’t use fear tactics. Be firm about the potential consequences, but emphasize that kids have your support, the right online literacy skills, and the support of antivirus software and identity theft protection to catch any threats that fall through the cracks.
Passwords are a thing of the past. The hippest new way to protect your accounts is with complex, yet memorable, passphrases. The Government of Canada defines a passphrase as “a memorized phrase consisting of mixed words with or without spaces.” When kids are old enough to be responsible for their own accounts, such as a school login, email address, or social media profile, impart the lesson of passphrases. Thinking up passphrases can turn into a fun exercise.
When it is time to create a passphrase, have your kids brainstorm some of their favorite things that loosely relate to the account the passphrase is for. For example, a social media site’s passphrase could be about friends, like “A$hleyIsMy#1Fr13nd!” and a school login could be along the lines of “$0cial$tud!esR0ck$!” A loose association may make the passphrase easier to remember.
If they are gamers, kids may already be familiar with leet, or using symbols in place of letters. Encourage children to practice their leet fluency and substitute as many letters for symbols as they would like. The Government of Canada recommends that passphrases be at least 15 characters long.
As hard as it might be, never write down passphrases on paper, do not share your password with other people, and do not reuse passphrases. Instead, leverage a password manager, like McAfee True Key, to keep them safe for you. If your child is old enough, encourage them to set up their own account and protect it with two-factor authentication.
Encourage kids to ask questions! Part of your cybersecurity lessons should be to alert an adult when they are not sure if something is quite right. For example, they received an email from grandma, but there is a weird link hidden inside it. Children should know that they can come to you for questions and caution is better than rolling the dice. Questions can then lead to advanced lessons, like how to hover over links to see where they redirect and if the links look fishy.
The cybersecurity lessons you impart on children now will set a solid foundation for sound cyber literacy for a lifetime. No one is ever too old or too young to learn the basics and then put them into practice. Who knows? Maybe you will learn something along the way.
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, subscribe to our newsletter, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post How to Teach Kids About Online Safety: A Guide appeared first on McAfee Blogs.
Depending on where your travels take you, you might need a new passport—a COVID-19 vaccine passport.
In an effort to kickstart travel and local economies, these so-called vaccine passports are more accurately a certificate. Such a “passport” can offer proof that the holder has been fully vaccinated against the virus, and there are several of these passports developing in the wings. With all of this in motion, I wanted to give families a look at what’s happening so that they can protect their privacy and identity online.
Broadly speaking, a vaccine passport works like this: information such as name, date of birth, date of vaccination, vaccination type, and vaccination lot number are used to create a digital certificate stored in a smartphone or a physical card. The holder can then offer up that proof of vaccination (or a recent negative test result) to businesses, travel authorities, and the like.
The notion of a vaccine passport has actually been around for a while now, such as the “Yellow Card” issued by the World Health Organization (WHO), which documents vaccination against diseases like cholera and yellow fever for travelers. Note that currently there’s no widely accepted standard for COVID-19 vaccine passports. What’s more, conversations continue around the concerns that come with documenting and sharing vaccine information securely. Understandably, it’s a complex topic.
As of this writing, the European Union has started issuing the “EU Digital Covid Certificate,” which allows its holders to travel throughout the EU freely without quarantine restrictions. The UK has its own version in the works, as do other nations in Asia, along with airline carriers too. In the U.S., “passports” appear to be in development on the state level, rather than on the federal level. For example, the state of New York has its Excelsior Pass program and California has its Digital COVID-19 Vaccine Record available to residents. Private airlines and air travel industry groups have launched their own efforts as well, such as the International Air Travel Association’s IATA Travel Pass.
How these passports are rolled out and how they get used will vary, yet vaccine passports may have an impact on the way people can travel as we recover globally from the pandemic. In some cases, they may even determine if people can attend large events that can help localities reboot their economies and public life in general (i.e., concerts, sporting events, and so on).
The development of vaccine passports and all the rules businesses and local authorities set around them may feel a bit out of our hands. However, in terms of your privacy and your family’s privacy, plenty is still very much in your hands. The common denominator across all these vaccine passports is the exchange of personal information—you and your family’s personal information. And where personal information is shared, hackers are sure to follow. This presents a perfect opportunity for you and your family to review your online privacy practices and close any gaps, whether you plan on traveling or not.
I put together a few things you can do to make sure that you and your family can navigate the future use of these passports with your privacy in mind:
What seems like an innocent celebration of your vaccination could put your personal information at risk. The information captured on these cards varies by nation, region, and locality, with some of the cards containing more information than others. However, even basic info such as birthday, vaccine manufacturer and lot number, location of immunization, or doctor’s name can provide the basis of a scam, such as a phishing email or phishing text message. Likewise, such information could get scooped up by a hacker and used to create phony vaccination credentials. Instead of posting that pic of you and your vaccine card, go with a happy selfie instead. And if you’ve already posted, go ahead and delete the image, better to remove it now and stay safe.
As mentioned above, the uncertainty around vaccine passports, and the general uncertainty around the latter days of the pandemic overall, creates opportunities for hackers and cybercrooks. Just as the early pandemic saw phony offers around miracle cures and today we’re seeing offers for phony vaccination cards, you can bet that scams revolving around vaccine passports will follow. The best advice here is to go to a trusted source for information, like the NHS in the UK or the American Medical Association in the U.S. Granted, cybercrooks will launch their phishing campaigns regardless. Here’s what to do if one heads your way:
In all, if someone is asking for any kind of personal or financial information via an email, text, instant message, or the like, chances are it’s a scam. For more, check out this article on how to spot the warning signs of a phishing attack.
In a time of data breaches large and small, checking your credit regularly is a wise move. Doing so will help you quickly spot issues and help you address them, as companies typically have a clear-cut process for dealing with fraud. You can get a free credit report in the U.S. via the Federal Trade Commission (FTC) and other nations like the UK have similar free offerings as well.
Do the same for your children. They’re targets too. High-value targets at that. Their credit reports are clean, which gives cybercrooks a blank slate to work with. Even more attractive is that child identity theft often goes long unnoticed until years later when the child gets older and rents an apartment or applies for their first credit card.
It’s that simple. Given that these vaccine passports will likely involve a digital certificate stored on a smartphone, app, or possibly other devices, protect them so you can protect yourself. Select comprehensive security software that will protect multiple devices so that everyone in your home is covered.
You can bet that rumors will abound as to who is issuing what “passport”, under what restrictions, and with what implications for traveling, dining out, and visiting shops. All of that amounts to plenty of falsehoods and scams that attempt to rob you of your privacy, identity, and even your money. Turn to trusted news sources known for their even-handed reporting, such as Reuters or the Associated Press, and get your information from there. Knowing what the facts about vaccine passports are in your locality will arm you against fear-based attacks.
A few months back, the FTC posted its own blog about sharing vaccine card photos. It’s a great read, in part because they used a helpful analogy to discuss privacy and identity theft:
Think of it this way — identity theft works like a puzzle, made up of pieces of personal information. You don’t want to give identity thieves the pieces they need to finish the picture.
Likewise, any vaccine passport you acquire will become yet another puzzle piece that you have to protect.
In all, with post-pandemic recovery measures evolving before our eyes, keep an eye on your family’s security. Don’t give away any snippets of info that could be used against you and stay on the lookout for the scams hitting the internet that play on people’s uncertainty and fears. COVID-19 passports may be entirely new, yet they give cybercrooks one more way they can play their old tricks.
The post COVID-19 Vaccine Passports: 5 Security Tips for You and Your Family appeared first on McAfee Blogs.
There’s a lot of conversation going on right now around digital apps; only it’s not about TikTok or Twitch. Instead, it’s about the spike in the number of app scams taking place every day—many of them impacting younger consumers.
In a recent report from The Washington Post, nearly two percent of the apps downloaded from the Apple store in a single day were scams costing consumers an estimated $48 million. A similar report this week in Tech Republic estimates more than 170 Android apps, including 25 on Google Play, have attempted to scam people by offering cryptomining services for a fee but then failing to deliver. Scam reports can also be attributed to side-loaded apps, which are apps installed from unofficial sources online.
While the scam structures vary, the most popular ones pose as legitimate brands such as Amazon or Samsung, persuading users to download apps they don’t need. Other scams use misleading tactics, manipulate ratings and reviews, and trick people into paying for something accidentally.
Scams that target teens abound online because hackers assume younger consumers are more impulsive and casual about their online privacy. According to the Better Business Bureau, scams targeting teens include social media scams used to collect personal info for identity theft. Others include bogus auctions for luxury goods, scholarships and job offer scams, and promises of free items such as cell phones.
Some of the most popular scams can be found in fraudulent dating apps, according to the report. The Federal Trade Commission stated that consumers reported a record $304 million lost to romance scams in 2020, a number that has spiked since the pandemic. While some scams look like legit dating apps, others surface in hangout apps such as Clubhouse, Google Hangouts, or seemingly harmless apps like Words with Friends.
App scams have been discovered embedded in spying and internet security apps. Ironically, several of those have been in alleged VPN (Virtual Private Network) apps that promised privacy but instead collected sensitive user data.
Consumers, especially kids, can be scammed through peer-to-peer cash apps, such as Venmo or Zelle. Because cash apps require users to link to a personal bank account directly, scammers can easily sell you goods or befriend you to send money only to delete their accounts and disappear.
Likewise, downloadable gaming apps can contain scams that offer free in-game currency. By clicking on a link and entering a username, password, gamers are promised free currency—only it never shows up in their account.
While the debate continues over how to improve both Apple and Google Play’s app security standards, for now, anyone downloading an app is at risk to some degree.
So how can you be sure your family’s apps are safe to use? While it’s getting harder to discern, there are some key steps you can take to reduce your risk.
No app is 100 percent safe. All have security loopholes and user behavior can make them vulnerable to a wide range of scams. However, by staying aware, using the right tools, and being wise with your clicks, your family can enjoy the fun of digital life without the fallout.
The post 9 Tips to Help Kids Avoid Popular App Scams appeared first on McAfee Blogs.
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Something’s not right. Maybe your phone is losing its charge way too quickly. Or one day it suddenly starts turning itself off and on again. Perhaps it’s running hot, so hot it’s hard to hold. Likewise, you might see outgoing calls that you never dialed or strange spikes in your data usage. Signs like these could mean that your smartphone’s been hacked. Learn how to protect your smartphone with McAfee Mobile Security
Several signs of a potential smartphone hack can look like a technical issue, at least on the surface. Yet the fact is that these issues may be a symptom of a deeper problem, such as malware installed on your smartphone. Malware can eat up system resources or conflict with other apps and your operating system, all of which can cause your phone to act sluggish or erratically.
Yet, in a way, that’s good news. Because malware can run inefficiently on your phone and create hiccups both large and small, it can tip you off to its presence. And with all the important information we carry in the palms of our hands nowadays, that’s good news twice over. Knowing the signs, subtle or otherwise can alert you to an otherwise largely invisible problem.
Whether hackers physically sneak it onto your phone or by tricking you into installing it via a phony app, a sketchy website, or a phishing attack, hacking software can create problems for you in a couple of ways:
Some possible signs of hacking software on your phone include:
Maybe you’ve seen some of the signs we mentioned earlier. Is your device operating slower, are web pages and apps harder to load, or does your battery never seem to keep a charge? These are all signs that you could have malware running in the background, zapping your phone’s resources.
Like the performance issues above, malware or mining apps running in the background can burn extra computing power (and data). Aside from sapping performance, malware and mining apps can cause your phone to run hot or even overheat.
If you find apps you haven’t downloaded, or calls, texts, and emails that you didn’t send, that’s a red flag. A hacker may have hijacked your phone to send premium-rate calls or messages or to spread malware to your contacts. Similarly, if you see spikes in your data usage, that could be a sign of a hack as well.
Malware can also be behind spammy pop-ups, changes to your home screen, or bookmarks to suspicious websites. In fact, if you see any configuration changes you didn’t personally make, this is another big clue that your smartphone has been hacked.
While there are several ways a hacker can get into your phone and steal personal and critical information, here are a few tips to keep that from happening:
The post How To Tell If Your Smartphone Has Been Hacked appeared first on McAfee Blog.
Most of us use the internet every day, so we’re comfortable sharing a lot of information online. However, cybercriminals want us to get a bit too comfortable so they can take our personal or financial data and use it for their benefit. This is called identity theft, and it can cost people money and may dip their credit score.
Fortunately, you can help minimize what happens by knowing the signs of identity theft and taking fast action when you recognize them. Find out how below.
Being online comes with many benefits, but it can also come with some risks. Identity theft usually begins with the criminal accessing sensitive personal data, such as Social Security numbers, birth dates, home addresses, bank account information, and driver’s license details. The fraudster can then take this information to fake your identity, using it to take out credit cards, apply for loans, and more.
Here’s a quick look at some ways identity thieves can get their hands on your valuable data:
There are many ways thieves can get their hands on your data. Luckily, there are ways you can protect yourself against these methods. For example, you can protect your computer, tablet, or mobile device against hackers by equipping it with a strong password and safeguarding against phishing by adding a firewall and utilizing a virtual private network (VPN) like those offered by McAfee.
With some best practices, you can protect your data and help safeguard you and your family against identity theft. One way to continue living your best life online is to watch for potential warning signs of identity theft. This ensures you can take fast action and minimize the effects if you’re targeted. Here are some essential signs to look out for.
Financial identity theft is one of the most common types of identity theft, and credit cards are a popular target. The rise in online shopping has made credit card fraud even more common.
Your online banking portal or app should allow you to set up alerts to email, call, or text you about suspected fraudulent credit card charges. If you get an alert, someone may have taken your identity.
If you apply for a loan or line of credit and your application is denied, dig deeper. A rejection could indicate that your credit score is lower than you thought, possibly due to fraudulent activity. For example, someone may use your information to get new credit cards and not pay them off, leaving you responsible.
Changes in your credit score can indicate identity theft. For example, if someone takes out utility bills in your name and doesn’t pay them, your credit score may dip. Checking your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) can help pinpoint the problem.
The Federal Trade Commission (FTC) allows U.S. consumers to get a free credit report every 12 months. Just visit AnnualCreditReport.com to get a copy of yours from the credit reporting agencies. You can also pay for credit monitoring services to track your score.
Once identity thieves obtain enough data, including your name and address, they might be able to open new accounts and credit cards. When you check your credit report, keep an eye out for new accounts that you didn’t open. Another red flag is if you start getting bank statements or bills addressed to you for accounts you don’t recognize.
Companies are required to notify customers of data breaches that could impact them. For example, if you save your payment information and home address on a music streaming provider’s website and their database is hacked, identity thieves may get your data. Keep an eye out for notifications and read the news. The McAfee blog is another great resource for information on data breaches.
If debt collectors start calling, be cautious, especially if they’re referring to accounts you aren’t familiar with. Don’t provide personal information to any collection agencies that call, as this can be a potential phishing scam. However, it’s a good idea to follow up on these cases by checking your credit report for new accounts. You could be liable if someone opened accounts under your name and didn’t pay them.
Medical theft occurs when a fraudster imitates another person to get health care or supplies. For example, a person might use your identity to get prescription medication at a pharmacy. If you get unfamiliar medical bills, follow up. Incorrect medical records could impact your insurance premiums or interfere with your ability to get the care you need in the future.
This could be an indicator of synthetic identity theft. This occurs when a fraudster creates a fake identity using various people’s real information. For example, they may use your address and Social Security number and another person’s photo to create a fake persona that’s creditworthy. They can then take out credit cards in that fake person’s name.
If you receive a confirmation of an annual tax filing before you’ve filed, take note. Criminals may try to file a tax return for another person to access their tax refund. Alternatively, you may find that you’re unable to e-file your taxes, which can occur if someone else has already filed under your name.
No one wants their identity stolen, but it’s still good to be prepared if it does happen. If you notice the above red flags, here are some steps you may need to take:
You may also want to visit IdentityTheft.gov to report identity theft and find resources to help guide your recovery plan.
Worries about identity fraud shouldn’t prevent your household from enjoying the benefits of a connected world. McAfee’s identity theft protection services can help you enjoy everyday conveniences while keeping you safe. Packages can be tailored to your needs, including 24/7 monitoring, ID theft coverage, VPN services, and more. It’s guided online protection made easy.
The post 9 Ways to Determine If Your Identity Has Been Stolen appeared first on McAfee Blog.
Most of us take our skills for granted when it comes to technology. We move effortlessly between applications and multiple devices. We install new software, set up numerous accounts, and easily clear technical hurdles that come our way. Unfortunately, that picture isn’t the norm for many older adults.
Engaging with technology can be challenging for older adults. However, when digital literacy skills are neglected or avoided, everyday activities such as online bill paying, shopping, medical appointments, and even social media can be overwhelming. And, since the pandemic, the digital divide between older adults and digital skills has become even more evident.
One Pew study revealed that older adults continue to lag behind younger adults when it comes to technology adoption in that 41% do not use the internet at all, 23% do not use cell phones, and over 75% say they require help when learning how to use new technology.
The Pew study also highlighted good news: Attitudes shift for the better when older adults increase their digital skills and access the Internet more frequently. Fully 79% of older adults who use the internet regularly agree with the statement that “people without internet access are at a real disadvantage because of all the information they might be missing.” In comparison, 94% agree with the statement that “the internet makes it much easier to find information today than in the past.”
So how can we help the older adults in our lives grow both their digital skills and their confidence? Building practical digital skills begin with a commitment to one another, to consistency, and to learning. Here are some tips to get you started.
If you are helping an older adult build their digital skills, it’s crucial to schedule dedicated training time. Commitment and consistency will be key to achieving real results. If you’re the older adult learning on your own, set aside dedicated learning time with clear goals. For instance, “Each day this week from 7 a.m. to 9 a.m. I will learn how to set up my email and how to maximize security on all my devices.”
Fortunately, more and more resources are emerging to help older adults bridge their technology gaps, and most are free. A few places to begin include AARP’s Senior Planet, Candoo Tech, and GetSetUp. To find a program in your area, go to at3center.net.
Online security is one of the most critical conversations you can have with the older adults in your life. Following best practices such as installing security software, using strong passwords with Two-Factor Authentication (2FA), understanding data privacy, and knowing how to identify phishing and malware scams are fundamental components of digital literacy. For a deeper dive into cybersecurity best practices, read more.
Older adults can easily fall prey to scams, conspiracies, hoaxes, and false news stories online. A recent study out of Princeton and NYU found that, prior to the 2016 election, adults over 65 were seven times more likely than those under 29 to post articles from fake news domains. Understanding how to spot misinformation online is a critical skill for anyone online. One resource to build media literacy is MediaWise for Seniors, a series of free online courses by Poynter designed to help older adults detect and combat fake news and misinformation. In addition, consider dialogue on how to challenge each piece of digital content by asking:
Jargon excludes and when you use insider language with a non-technical person, it can get overwhelming. Slow down. Use ordinary terms. For instance, instead of the hyperlink, consider “link.” Instead of URL, opt for “website address.” Rather than DM/PM, use “Private Message.” Note: Avoiding jargon doesn’t mean you dumb down to a person; it means using plain language to explain the same concept.
It’s a myth (and an unfortunate stereotype) that older adults don’t have the ability or don’t want to learn about technology. Frankly, they can, and they do. However, physical and mental changes are part of the aging process, which means repetition and patience are part of the process. Consider creating easy-to-read cheat sheets to summarize the day’s lesson.
Technology is impacting our lives in myriad ways, and no one feels this reality pressing in more than older adults. If you find yourself in the privileged position of coaching an older adult toward digital confidence, remind them of the gains ahead and that the gap from “here” to “there” isn’t nearly as large as they’ve imagined. Whenever possible, point their sights to the proven benefits of stepping off the sidelines and into a connected world.
The post Helping Older Adults Build Strong Digital Literacy Skills appeared first on McAfee Blog.
We live online these days, sharing everything from vacation pictures to what we eat for breakfast on the internet. The internet is also useful for daily activities, like buying groceries or paying bills.
While it’s convenient to connect with people and complete tasks online, cybercriminals are eager to use the internet to steal financial or personal data for their personal gain — otherwise known as identity theft. This is a criminal act and can affect your credit score in a negative way and cost money to fix. It can also affect employment opportunities since some employers conduct a credit check on top of drug testing and a criminal history check. Identity theft victims may even experience an impact to their mental health as they work to resolve their case.
The good news is that being able to recognize the signs of identity theft means you can act quickly to intervene and minimize any effects in case it happens to you. You can also protect yourself by using preventive measures and engaging in smart online behavior. This article provides essential information about identity theft, giving you the tools you need to become an empowered internet user and live your best life online.
The internet is a great place to be, but identity thieves hope to catch you off-guard and seek access to your personal information for their benefit. This could include private details like your birth date, bank account information, Social Security number, home address, and more. With data like this, an individual can adopt your identity (or even create a fake identity using pieces of your personal profile) and apply for loans, credit cards, debit cards, and more.
You don’t have to be kept in the dark, though. There are several signs that your identity has been stolen, from a change in your credit score to receiving unfamiliar bills and debt collectors calling about unfamiliar new accounts. If you suspect that you’ve been affected by identity fraud, you can act fast to minimize what happens. Here’s what to do.
Start by contacting law enforcement to file a report. Your local police department can issue a formal report, which you may need to get your bank or other financial institution to reverse fraudulent charges. An official report assures the bank that you have been affected by identity fraud and it’s not a scam.
Before going to the police, gather all the relevant information about what happened. This could include the dates and times of fraudulent activity and any account numbers affected. Bringing copies of your bank statements can be useful. Also, make note of any suspicious activity that could be related. For example, was your debit card recently lost or your email hacked? The police will want to know.
You should also notify any businesses linked to your identity theft case. Depending on the type of identity theft, this could include banks, credit card companies, medical offices, health insurers, e-commerce stores, and more. For example, if someone used your credit card to make purchases on Amazon, alert the retailer.
Medical identity theft is another good example. In this case, a fraudster may assume your identity to gain access to health care services, such as medical checkups, prescription drugs, or pricey medical devices like wheelchairs. If someone uses your health insurance to get prescription drugs from a pharmacy, for instance, make sure to alert the pharmacy and your insurer.
The Federal Trade Commission (FTC) is a government body that protects consumer interests. You can report identity theft via their portal, IdentityTheft.gov. They’ll then use the details you provide to create a free recovery plan you can use to address the effects of identity theft, like contacting the major credit bureaus or alerting the Internal Revenue Service (IRS) fraud department. You can report your case online or by calling 1-877-438-4338.
A common consequence of identity theft is a dip in the victim’s credit score. For example, a cybercriminal may take out new lines of credit in the victim’s name, accrue credit card debt, and then not pay the balance. For this reason, contacting the credit monitoring bureaus is one of the most important steps to take in identity theft cases.
There are three main agencies: TransUnion, Equifax, and Experian. You can get a free credit report from each agency every 12 months via AnnualCreditReport.com. Check the report and note all fraudulent activity or false information and flag it with the relevant bureau’s fraud department. You should also initiate a fraud alert with each agency.
A fraud alert requires any creditors to verify your identity before opening a new line of credit. This adds an extra layer of security. An initial fraud alert lasts for 90 days. Once this expires, you can prolong your protection via an extended fraud alert, which will remain valid for seven years. You can notify one of the big three bureaus to set it up. They are then required to notify the other two bureaus.
A credit freeze is another smart move, which you can do through each of the three major credit bureaus. You can either call them or start the process online. This prevents people from accessing your credit report. Lenders, creditors, retailers, landlords, and others may want to see your credit as proof of financial stability. For example, if someone tries to open a phone contract under your name, the retailer may check the credit report. If there is a credit freeze in place, they won’t be able to view it and won’t issue the contract. If you need to allow someone access to your credit report, you can temporarily lift the freeze.
Identity theft is often linked with leaked or hacked passwords. Even if you aren’t sure whether your passwords have been compromised, it’s best to play it safe. Change passwords to any affected accounts. Make sure to use strong passwords with a mix of numbers, letters, and symbols. Further, if there’s a chance to activate two-factor authentication on your accounts, this can provide added protection going forward.
Ideally, you’ll never become the victim of identity theft, but things can happen. Cybercriminals work hard, but you can stay one step ahead by taking a few preventative measures. These include:
You can further protect yourself with antivirus software like McAfee’s Total Protection plan. This can help protect your devices against spyware and viruses. You can also enhance your network security with a firewall and virtual private network (VPN). A firewall controls traffic on your internet network based on predefined security parameters, while a VPN hides your IP address and other personal data.
Don’t let concerns about identity fraud keep you from enjoying all the conveniences and perks the internet offers. McAfee’s identity theft protection services can help you stay connected while keeping you safe. Tailor your package to your household’s needs to get the safeguards you want, like ID theft coverage, VPN, and 24/7 monitoring. Our Total Protection plan also comes with $1 million in identity theft coverage to cover qualifying losses and hands-on support to help you reclaim your identity.
With McAfee by your side, you can stay online confidently.
The post What to Do If Your Identity Has Been Stolen appeared first on McAfee Blog.
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