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Top 10 Ways To Protect Yourself From Online Identity Theft
by: Jim Faller
Identity theft is becoming a bigger problem as more and more people are making the internet a bigger part of their lives. People who are new to the online medium often fall prey to ‘phishing’ or other internet identity theft schemes. In many cases the ‘phishing party’ uses your credit card to order goods for them selves, in other cases they will apply for credit cards, set up bank accounts, and take advantage of your good credit rating. Correcting these issues involves a lot of time energy and stress, so here are ten tips to help you from becoming a victim of identity theft.

Use a disposable email account. Keep your business or personal email account just for business or personal communication. If you are going to be making purchases online, joining newsgroups, or subscribing to mailing lists and ezines use a disposable email account. There are many online free accounts such as yahoo, hotmail or grail, and most of them can interface with popular email clients like outlook or outlook express. Use one of them for all of your shopping transactions.

Disguise your online identity. If your real name in Mary Smith try to avoid using email accounts with name like msmith@example.com when dealing with people you don’t know and trust. If you were born in 1972 don’t chose msmith1972@example.com as your email account.

Use different level passwords. Use one password for your personal information, use another for your business accounts and a third for your disposable email accounts or mailing lists you sign up for. Don’t use sequential passwords like password1 for personal use password2 for business, and password 3 for disposable accounts.

Use strong passwords. Don’t use your birthdates, year you were married, or your children’s birthdates. Avoid choosing passwords that consist entirely of letters or numbers. Also try to avoid using passwords that are actual words. The best passwords are mnemonic phrases like “my father ate three apples for breakfast”. Take the first letter of each word and convert the number into numbers and you end up with “mfa3a4b”.

Rotate your passwords. You should change your passwords every 6 to 12 months. If you suspect your passwords have been compromised change them as a safety precaution.

Use only one credit card for all of your online purchases. If any of your other credit cards have online transactions you know they are fraudulent. If you see offline purchases for your online credit card you also know they are fraudulent.

Use credit cards instead of debit cards. While many debit cards now offer online purchase protection it’s easier to dispute fraudulent charges than to recover debit card funds that have already been spent.

When you make purchases online make sure your transactions are secure. In the address bar you should see “https” and not “http”. There should also be small lock icon in your browser. If this is your first purchase from the company make sure the issuing company is someone you have heard of like Verisign, or Thawte.

Check a company’s privacy policy. When you make your first transaction make sure your check the privacy policy, look for logos from consumer groups like Trust-E and the better business bureau. Click the logos to make sure they are authentic.

Never open or fill out email requests for you to update you account or credit card settings via email. These are ‘phishing’ scams people use to try and secure your personal information. Many of them are growing increasingly sophisticated and go to great lengths to look exactly like the companies website using their exact logo.

© Computers.6ln.com, All Rights Reserved.

About the author:
This article was written by Jim Faller of http://computers.6ln.coma website with information about viruses, spyware, adware, backups, data recovery and computer security.


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Tips to Build Your Email Address Database

WHY BUILD YOUR EMAIL ADDRESS DATABASE?

Gaining your customers' email addresses will:

  • Provide an additional channel for reaching your customers
  • Increase the ROI of your marketing investments
  • Significantly reduce your customer acquisition and marketing costs
  • Allow you to easily measure the impact of your marketing campaigns
  • Increase your customer participation and retention rates

With ongoing postal and telemarketing pressures impacting marketing budgets for many organizations this year, email marketing could become the "silver lining " for many marketers.   But how do you create a successful email marketing campaign if you do not have a substantial email database?  That question may be one of the largest Internet related challenges facing companies this year.

Research shows that the majority of organizations have email addresses for less than 10% of their postal files.  So how do you level the playing field and start to add quality permission - based email addresses to your database?

Here are some tips that you can use to cost effectively build your email address database and increase your customer participation and retention rates: 


START TO ASK FOR IT!  

Every communication or touch point with a customer should start or end with a request for an email address.   By utilizing the four points below, you should be able to add email addresses for 5% to 10% of your postal file over the course of one year.

1.  Direct Mail Collection

Think about how much time and money you spent for copy and design on your last new direct mail piece.  Most companies have started to ask their customers for their email address information within these mailings.  This is a great step forward. However, companies need to look at one major improvement if they want to increase their email address collection rates. 

To date, most requests for email address information have been pushed, shoved or jammed into whatever white space remains.  It should be no surprise that the success rate has been less than stellar.

To improve on these efforts, you need to provide your members with a reason to release their email addresses to you.  E-newsletters, purchase confirmations, petitions, and special discounts and offers are but a few of the benefits that will encourage your members to come on board.

2.  Web Page Collection

Many companies have an email address collection function in place via the web.  To improve your sign-up rates, add text below the email request box that informs your visitors of the special email benefits that they will receive (i.e. e-newsletters, purchase confirmations, delivery updates, etc.) upon registering.  You can also utilize a pop-up link to inform users of these special benefits.

Finally, your email address request function should be available on your home page. Don't make your users go and look for it.  Every click away from your home page reduces the chances of your users taking an action and providing you with their email address information.

3.  Existing Email Database Collection

Don't forget to ask the members of your existing customer base for email addresses of their friends, family and associates.  Viral marketing is a powerful tool to use and is extremely cost effective!  You could ask them either to provide you with additional addresses or simply to pass on your newsletter, email specific offers, or other information to others they feel have similar interests.

4.  Telemarketing Collection

Don't assume that your telemarketing agents are asking for email addresses from potential customers.  Ensure that your agents have an updated script, which outlines the previously described benefits to potential customers of providing their email addresses.

The suggestions above are a great start!  Yet they really should be viewed as a secondary plan for building your email database.  To exponentially and expeditiously grow your email database, please read on!


EMAIL APPENDING  

Utilizing an email appending service enables you to add email addresses for up to 25% of your postal file, all within 3-4 weeks.

Email Appending - is the process of adding an individual's email address to that individual's postal record in side your existing database.  This is accomplished by matching the postal database against a third party, permission based database of postal and email address information.

Best Practices - Email Appending is not a prospecting tool. The DMA (Direct Marketing Association) and its interactive arm AIM (Association of Interactive Marketing) have guidelines in place that dictate that email appending only be used to append email addresses to your existing opt-in postal record house file.

The Process - Your opt-in postal file is securely transferred to an email appending provider, who will do an initial gross email address match of your file against its opt-in database of postal and email address records.  Your appending provider will then send these matches a permission-based message prepared by you.  All bounces and opt-out requests will be removed from the list.  At that point a valid permission-based email address file of your customers will be delivered back to you. 

Cost - Less than the price of a postal stamp!


IN SUMMARY

The first step of any successful email marketing effort is to build a permission-based email address list of your customers.  The simplest, quickest and most cost-effective way to do this is through email appending, which will enable you to add email addresses for up to 25% of your postal file.  Secondary efforts of email address collection via focused direct mail, web, viral and telemarketing practices are also important and will enable you to add email addresses for an additional 5% to 10% of your base on an annual basis.

Best of luck in building your email address database.  As many companies have already learned, the ROI and cost savings to be achieved will far exceed your expectations.

Bill Kaplan
CEO
FreshAddress, Inc.

FreshAddress, Inc., The Email Address ExpertsTM, provides a comprehensive suite of industry leading database and email deliverability services to help companies increase their e-commerce revenues.  For more information on how we can help "Build and Update" your email list, visit http://freshaddress.com/biz or email biz@freshaddress.com.



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