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Don't be a victim of Cybercrime
by: Matt Sherborne
When you access the Internet through the world wide web it is extremely important that you safe guard your personal information.

There are literally thousands of people around the world that make a living exploiting the security loop holes by accessing your personal identity, passwords and bank accounts.

There are many more daily who are the victims of these crimes. You have a responsibility as a user of the Internet to take certain precautions to protect yourself from online crime.

Internet users who access bank accounts, e-currency accounts or any source of personal information online, should be aware of the following methods used by criminals to convince you to reveal your confidential information.

Here are some simple steps to help keep your information secure

1. Avoid being a victim of fradulent email requests for personal information

This method is called "Phishing" and is a popular way for criminals who are acting as legitimate businesses to steal your personal information. This is usually accomplished by sending you an email with a hyperlink to a fraudulent website made to look like the real one. Once you have entered your information the perpetrator will have access to your account, many times unknown to you.

One way to avoid falling victim to this sort of scam is to never provide any personal details in response to an email. Legitimate businesses will never ask you for your password by email. Be aware of suspicious emails from unknown individuals. Delete before opening anything that you think might be harmful.

2. Make sure you visit your bank, e-currency or financial website via your Internet browser with the correct website address.

3. You should take care to never follow any suspicious hyperlink, url, or open an unknown senders attachment.

If you inadvertently reply to a "Phishing" email or respond to what you think could be a fraudulent website, contact your associated financial institution immediately for advice. Do not delay in seeking help. Check your account for any unusual activity.

Ways to protect your computer

1. It is important to use only a trusted and secure computer to access your Internet banking account. 2. Using publicly shared computers, such as those at Internet cafes, is strongly discouraged.

3. It is recommended that you keep your computer up to date with current anti-virus protection, firewall and the latest patches.

4. Remember that after you install virus protection it is necessary to update the software so the protection remains current.

5. Avoid using the "remember my user name and password" feature when accessing sensitive financial information.

6. Make sure not to store your passwords and account information on your computer.

7. Use a different password for your bank than you would for your email address.

8. Do not use easy to guess passwords, or passwords that closely relate to you. Your birthdate, name or favorite pet make poor passwords.

9. Create passwords that have both numbers and letters.

10. If you use a wireless network it is important that you never leave your computer unattended.

11. Take extra precautions around wireless fidelity (Wi-Fi) hotspots that provide free Internet connections. Coffee shops, Internet cafes, airports and libraries can pose significant security threats. Avoid conducting sensitive business in a Wi-Fi hotspot.

Sniffing and Evil Twinning are two methods devious criminals are using to steal confidential data. Sniffing is the act of using a program to search for certain information like passwords and credit card numbers over a Wi-Fi network. Evil twinning mirrors the setting of a Wi-Fi hotspot. When the unsuspecting person uses the evil twinning hotspot the hijacker uses sniffer technology to access anything the victim might be sending.

12. When accessing bank accounts online, confirm that your data is encrypted between the bank and your computer by looking for the padlock symbol on the bottom right hand corner of the browser window.

13. Close your Internet browser after logging out at the end of each online banking session.

14. Beware of any windows that ‘pop-up’ during an online banking session.

Most financial institutions have detailed information on their websites on how their customers can protect themselves from Online fraud attempts. Visit their website or contact them via email or telephone for information on how you can protect yourself from online criminals.

About the author:
Matt Sherborne is the author of "Get Rich Trading E-Currency"and"Email Auto-Pilots."Visit his website at: www.DXinGold.com


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How to Find the Best Low APR Credit Cards
 by: Morgan Hamilton

Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.

Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.

Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.

Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.

Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.

Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.


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