Electronic Gadget

Is Your Internet Security Software Keeping Up With The Cyber Crime Pandemic?

· Have you heard U.S. businesses lost over $67 billion to cyber crime in 2006 according to the FBI?

· Did you know that 87% of businesses suffered from some sort of cyber crime last year according to the same report?

· Approximately 15 million U.S. citizens will lose their identity this year according to the FTC

I could add that cyber crime out grew the illegal drugs business in 2006 according to the U.S. Department of Treasury, too. Needless to say we are looking at a huge problem. Many are calling the Internet security issue a pandemic.

Over the last couple of years hackers have shifted their focus from large targets to small business and individuals.

I’ll tell you why…

Small business and individuals don’t have the large sums of money needed to pay for the kind of Internet security protection used by large corporations. This makes both easier targets.

What are these two groups using to protect themselves? Generally, you find small business and individuals using over-the-counter and freeware (shareware) to protect their computers.

Over the last year, antivirus companies have attempted to counter the spyware problem, however, the fact is their code and signature files were not built to effectively remove spyware. How does this impact how well your home or business is protected? The rule for viruses is to keep them out. When it comes to spyware much more sophisticated code and scanning mechanisms are required.

Several September 2005 product reviews state that many antivirus applications have obvious deficiencies in antispyware cleaning and blocking routines. This makes it difficult to recommend these software products to individuals and businesses protecting themselves against the spyware problem. At this time, antivirus companies haven’t arrived at a solid solution.

So what are these anitvirus companies doing? Some are including some type of antispyware functionality into their products. Some vendors are selling patching and spyware combined into one. Others have mixed their spyware solution with their antivirus Bundled together, these solutions aren’t cost effective and probably deliver a lower level antispyware.

Several independent tests have shown that stand-alone antispyware products have been proven to be the most effective.

Today’s over-the-counter anti-virus Internet security products protect against specific code or signature files. Each virus has it’s own code. When the anti-virus software identifies the code it kicks it out or alerts the owner of the computer. Many anti-virus companies try to keep up with this, however consider this:

Professional hackers have developed spy ware that, once it enters a computer and steals your email addresses and other information, changes its code or signature file. The spy ware continues to invade new computers stealing information and changing its signature file automatically from computer to computer virtually making traditional over-the-counter anti-virus Internet security protection useless.

To be safe, small business and individuals need to find a proven Internet security solution that can fight against this type of cyber crime. This solution not only needs to aggressively keep up with the changing cyber crime landscape, but also anticipate what might be coming in the future. This is what the major corporations are using and it’s what you should have on your computer(s), too.

You may find it surprising that many vendors have downgraded or “delisted” known spyware and adware. This can jeopardize the security of your personal or business information.

Unfortunately, most Internet security software available to small business and individuals don’t have the ability to keep up with the growing cyber crime pandemic creating Internet insecurity.

A number of clients have recently reported to their tax preparation services that they have been receiving calls from someone posing as a representative from the Social Security Administration. The caller began the conversation by talking about the pending Congressional leader’s announcement where a deal with the White House on the economic stimulus package would give most tax filers refunds of $600 to $1,200, and more if they have children. The caller went on to solicit from consumers their Social Security number stating confirmation of their number would ensure they received their rebate checks within the next 6 – 7 months.

The Social Security Administration is not making a conscience effort to confirm consumer identification numbers. You need to be aware that identity thief’s are however and they use a number of tactics to steal your identity. Spoofing is generally used by thieves as a means to convince individuals to provide personal or financial information that enables the perpetrators to commit credit card/bank fraud or other forms of identity theft. An attempt to fraudulently acquire sensitive financial or personal information, such as credit card information or a Social Security number, by impersonating a business representative or trustworthy person is also known as a Phishing attempt and is usually initiated through e-mail, phone calls or Instant Messaging.

Thieves do not just collect Social Security Numbers. They are also after your telephone records, date of birth and your bank and credit card account numbers. This information is a personal asset as well and people who illegally solicit this information are also known as pretexters.

It is yet another name for identity theft and Pretexting is (like the other practices mentioned) a means of getting your personal information under false pretenses.

Pretexters sell your information to people who may use it to get credit in your name, steal your assets, or to investigate or sue you. Pretexting is against the law. Whether it is by means of Spoofing, Phishing or Pretexting the tactics are all designed to get your personal information.

According the Federal Trade Commission For example, a pretexter may call, claim he’s from a survey firm, and ask you a few questions. When the pretexter (let’s just call it a thief) has the information they want, it is used to call your financial institution.

The thief pretends to be you or someone with authorized access to your account. They might claim that they have forgotten their checkbook and need information about their account. In this way, the criminal may be able to obtain personal information about you such as your SSN, bank and credit card account numbers, information in your credit report, and the existence and size of your savings and investment portfolios.

Keep in mind that some information about you may be a matter of public record, such as whether you own a home, pay your real estate taxes, or have ever filed for bankruptcy.

It is not pretexting for another person to collect this kind of information. Identity thieves don’t just use the schemes we’ve just talked about to get your personal information they also procure your identity by:

* Stealing wallets, purses and your mail (bank and credit card statements, pre-approved credit offers, new checks and tax information);

* Stealing personal information you provide to an unsecured site on the Internet, from business or personnel records at work and personal information in your home;

* Rummaging through your trash, the trash of businesses and public trash dumps for personal data;

* Buying personal information from “inside” sources. For example, an identity thief may pay an employee for information about you that appears on an application for goods, services or credit.

Even though the laws are on your side, it’s wise to take an active role in protecting your information. The Federal Trade Commission recommends the following actions;

1. Don’t give out personal information on the phone, through the mail or over the Internet unless you’ve initiated the contact or know who you’re dealing with. Pretexters may pose as representatives of survey firms, banks, Internet service providers and even government agencies to get you to reveal your SSN, mother’s maiden name, financial account numbers and other identifying information. Legitimate organizations with which you do business have the information they need and will not ask you for it.

2. Be informed. Ask your financial institutions for their policies about sharing your information. Ask them specifically about their policies to prevent pretexting.

3. Pay attention to your statement cycles. Follow up with your financial institutions if your statements don’t arrive on time.

4. Review your statements carefully and promptly. Report any discrepancies to your institution immediately.

5. Alert family members to the dangers of pretexting. Explain that only you, or someone you authorize, should provide personal information to others.

6. Keep items with personal information in a safe place. Tear or shred your charge receipts, copies of credit applications, insurance forms, bank checks and other financial statements that you’re discarding, expired charge cards and credit offers you get in the mail.

7. Add passwords to your credit card, bank and phone accounts. Avoid using easily available information like your mother’s maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers.

8. Be mindful about where you leave personal information in your home, especially if you have roommates or are having work done in your home by others.

9. Find out who has access to your personal information at work and verify that the records are kept in a secure location. Checking your credit report annually can help you catch mistakes and fraud before they wreak havoc on your personal finances.

Order a copy of your credit report from the three nationwide consumer reporting companies every year. To order your free annual report from one or all the nationwide consumer reporting companies, call toll-free 1-877-322-8228, or complete the Annual Credit Report Request Form avail at their Website annualcreditreport.com, and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

If you do not have the time or expertise to put measures in place to protect you and your family’s identity consider visiting a credit protection service that can put the appropriate measures in place to preserve your good name, credit and assets.

Copyright (c) 2007 Titus Hoskins

How Well Do You Really Know Your Website?

If you’re like most webmasters, you have probably spent years building your site. You have spent years adding content, building links and cultivating traffic – but how well do you really know your website?

How well do you know the intricate details of your website’s traffic? Where do your site’s visitors come from? How long do they stay on your site? Just where do they go to on your site and how well do they convert into buyers or subscribers?

Do you know your site’s rankings in the major search engines? What are your site’s top keywords? What’s your site’s Google PageRank? Who are your IP neighbors? What your site looks like in other browsers? How much is your site worth?

These are just some of the questions you should know, mainly because the more knowledge you possess about your site, the better equipped you will be at improving it. So here’s a simple list of free site checking tools/sites that will let you “Big Brother” (monitor and watch) your site.

1. Google Analytics

Perhaps one of the most helpful analytical tools you can use on your site. Google Analytics will give you a wealth of information about your site’s traffic. Where it comes from, how long it stays on your site, where it goes on your site, how well your content converts… invaluable information every webmaster should have in their possession. ( www.google.com/analytics )

2. NetMechanic Toolbox

Check your site’s mechanics – find broken links, check browser compatibility, find bad HTML code, spot slow-loading pages, and check your spelling… all by using the NetMechanic Toolbox: ( www.netmechanic.com )

3. Keyword Suggestion Tool

This free keyword suggestion tool will tell you how many searches are done in WordTracker and Overture for your site’s keywords. Extremely valuable information since much of web’s traffic and ecommerce is keyword driven. ( www.digitalpoint.com/tools/suggestion/)

4. Iwebtool

This is another free site which offers many valuable webmaster’s tools that will give you information about your/any site. Google PageRank, PageRank Prediction, Link Popularity, Search Engine Positions for Keywords, Backlink Checker… also Visual PageRank where you can see all the PR values of all the links on a given page – both internal and external. ( www.iwebtool.com )

5. Alexa Traffic Rankings

Alexa tracks the web’s traffic by using the Alexa bar in a surfer’s browser. Most people know it is not an accurate assessment of the traffic on the net but is a handy measuring stick, nonetheless. It is also a handy tool for comparing sites and seeing the long-tern traffic trends of different sites, including your own. ( www.alexa.com )

6. Your Site’s Traffic Logs

Most webmasters know your raw traffic logs are worth checking and reading. It contains valuable information about your site. Especially helpful if you’re checking for broken links on your site, you don’t want to see those 302′s everywhere. Close examination and regular checking of your traffic logs and stats will point out the profitable keywords on your site.

7. BetterWhois

You can use this site to find out the domain information about your site. Do you have control of your domain? Many webmasters buy their domain name thru their web hosting company, while this is not a problem in itself, however, if any dispute should arise who has administrative control of your domain; you or your hosting company? Can you change hosting companies? ( www.betterwhois.com )

8. Google Alerts

Another valuable tool from Google which notifies you by email when your link or site is found anywhere on the web. Great for keeping track of any new links your site is getting. Many webmasters also use this handy tool to keep track of their competitor’s sites. They also use Google Alerts to keep track of whenever their own name is mentioned anywhere on the web. This one would even make Orwell proud. ( www.google.com/alerts )

9. IP Neighbors

Many webmasters have their site hosted on shared hosting plans, which means there can be hundreds of sites sharing the same IP address. This site lets you discover who your IP neighbors are. Why would you want to know your IP neighbors? Well like neighbors everywhere; there are good ones and there are bad ones. For example, if you have a neighboring site that uses email to spam, it could get your IP address blocked or shut down. ( www.myipneighbors.com )

10. Any Browser

Use to this handy site to discover what your site looks like in different browsers; you could be in for a real shock. ( www.anybrowser.com )

11. Google Toolbar

The Google Toolbar can be placed on your browser so that when you’re surfing you can see the Google PageRank of each page/site you’re visiting. Many SEO experts believe Google is not giving us the true PR of a page and this bar is rather useless. However, like the Alexa rankings it is a handy measuring stick, nonetheless. ( www.toolbar.google.com )

12. What Is Your Site Worth?

Please take this last analyzing tool with “a large grain of salt”, but it is fun to use and to see how much your site is worth. Measurement here is done largely by the amount of links you have coming into your site. ( directory.sootle.com/website-worth )

In conclusion, all of these free handy tools/sites will give you a better, more complete picture of your own site. Remember, the more knowledge you acquire about your own site and your competitor’s sites, the more equipped you will be to succeed. This is one case where being a “Big Brother” can truly benefit your site.