Monday, August 8, 2011

Email was hacked / Sending out plea for money !

http://www.komando.com/toolbox.aspx?mode=print&id=11153

Yikes! Email was hacked!


8/1/2011


Q: Someone hacked my dad's email account. They are sending messages to his email contacts posing as my father. The email says my father is stranded in Spain and needs $3,000 by Western Union to get home. Is there any way these scammers can be tracked down? The local sheriff's office says they don't go after cybercrime like this. Any suggestions would be helpful. Thank you for your help!
-Paul from Jacksonville, FL listens to my national radio show on WOKV 960 AM

A: I'm really sorry to hear what’s happened to your father. A cry for help from a friend or family member can make us react from emotion. That is exactly what the hacker is hoping.
This type of hacking is happening across many different email services. Whether you use Yahoo! Mail, Hotmail, Gmail or another service, you are vulnerable. Either your email account will be compromised or you'll get an email asking for help.

How do the scammers get into an email account? Scammers use specialized programs or hired people to guess passwords. Once they get your email password, they get to work. They send email to your contacts with sob stories that always end with a plea for money.

As you found out, not every state acts on Internet crimes. Many agencies create localized divisions that strictly handle cybercrime. It's also a question of jurisdiction. With many offenses occurring across state and national lines, it's a Federal offense. So, local law enforcement might have no jurisdiction.

In 2009, security software publisher McAfee conducted a survey with Chief Financial Officers worldwide. The global impact of cybercrime was estimated at a whopping one trillion dollars! This includes money scammed and money spent re-securing critical systems.

Now, for people like us recovery from a scam means work. We need to fight to re-establish ourselves online both financially and emotionally. If your email account has been hacked, immediate action is critical. A few things must happen to re-secure your email. Second, you should gather information to report the incident.

Your first priority is to re-gain control of your email account. This includes changing the alternate email address on your account. This "alternate" email address will be the one you used when setting up your account. Sign on to your email account. You will find this option in the Settings menu.

Any changes you make will generate an email to that alternate address. If the hacker changed it, they will receive notices alerting them. That is the first step of taking back control.

Next, you need to change your password to something no one could guess. I don't mean to get on my soapbox but this is the reason you never use the same password for all your online accounts. Once the hackers have access to one of your online accounts, they can access them all.

Don't use a word in the dictionary. Don't use your cat's name or your favorite color. And certainly don't use your date of birth or street address. The more random you make it the better. I've written a ton on passwords. Click here now to read easy ways to create and remember strong passwords here.

If you're unable to gain control of your account, your email provider can help. Each provider has a different method of manually resetting a password. Here are the sites you can visit for the more popular providers.

Hotmail has an account recovery page. To begin the password reset procedure, you can click here.

Gmail's account reset can be accessed from the sign-in page. Just click "Can't access your account?"

Yahoo has an Account Security Help page which can be found here.

AOL also has a link on their login page. Or, you can email compromised@abuse.aol.com. If you email them, they can monitor your account for further hacking.

Keep in mind that they have to follow specific security protocols. Hackers often use the password reset features to hack accounts. So, tech support may seem wary. They will do their best to make sure you're not a hacker yourself.

Finally, locate the security questions you selected when you created your account. They too can be found in the Settings area when you sign-in to your email online. Change these questions and corresponding answers. If the site allows it, create your own. Your mother's maiden name, your dog's name and your favorite team are easy picks for a hacker. Think of something that you would not talk about on Facebook or Twitter. Scammers know to look there for password clues. Create questions that only you would know answers.

Your account should now be secured. Before your friends begin sending money to this imposter, email them. Let anyone you've email-corresponded with know the situation. Check your sent items folder. The hacker might not have deleted the emails he sent.

Either way, let everyone know you're okay and not to send money. But now comes the gritty part gathering information against the hacker.

Hopefully, no one has lost money or got hurt in any way. Even still, it's a crime and should be reported. The Internet Crime Complaint Center is a federally backed cybercrime unit. You can file a complaint electronically by going to www.ic3.gov.

I've written much more on this subject. Here are a few links you might find interesting.


Reduce data consumption on your smart phone

Mobile browser reduces data consumption

Opera Mini offers a way to dramatically reduce how much data you use on your smart phone.

Big carriers like AT&T, T-Mobile and Verizon all have data caps in place. Sprint is the only one of the bigs still out there doing unlimited data. Imagine how they'll get dumped on by data hogs!

So let's say you want to hang with AT&T, T-Mobile or Verizon because you like their networks. A tech writer for The New York Times recently ran a story that claims Opera Mini reduces data consumption by 90% so you can dramatically stretch your data plan with your carrier.
Opera Mini is a mobile browser available as a free download for Android, Apple, Blackberry, Windows and Symbian S60 smartphones. Because it only sips data, you may even be able to stay on a lower data plan when you're using it. Plus, in my experience using Opera Mini, it's really fast to boot!
So try downloading it. It will improve your web surfing and save you money on the data side.

http://www.komando.com/downloads/category.aspx?id=8967

Opera Mini

Using the Web from your phone is fantastic. Once you've lived with it, you can never go back. It's great to be able to find anything no matter where you are. And most smart phones should have a built-in browser.
Unfortunately, many mobile browsers aren't great. They work. But there is a better option. Opera Mini is a fast, polished mobile browser. It was built specifically for smart phones. And it makes surfing from your phone a breeze.

Cost: Free

iPhone Link: Opera Mini
Android Link: Opera Mini for Android
Blackberry Link: Opera Mini for Blackberry


http://www.komando.com/downloads/category.aspx?id=1600

Opera Web browser


Which Web browser is for you? I don't recommend using Internet Explorer. It just isn't as secure as other options. What does that leave? Firefox and Chrome are great choices. But there is another browser worth checking out.

This browser visits all the same sites as any other. But it's very fast. It can also be customized in appearance and functionality. It can boost surfing speed on slower Internet connections. You can navigate using built-in mouse gestures. Sounds pretty good, right?
This browser is called Opera. It's been around for a long time. It has sort of flown under the radar. But its interesting features may fit you perfectly. For example, Opera features built-in pop-up and ad blocking. And the address bar doubles as a search bar.

There are more features than I can list here. And there's the rub. Opera is a powerful browser. But it takes some getting used to. And some features are only useful to advanced users. If it sounds interesting, give it a shot. It might be the perfect browser for you.

Cost: Free
Link: www.opera.com

System: Windows XP, Vista and 7, Mac OS X

Tuesday, August 2, 2011

Don't wait - get your papers in order for your family

Being Generous to the End


A while back a friend of mine lost her husband and son in an airplane crash. It was unbelievably devastating, but what made it even harder was being unprepared to deal with all the paperwork for her husband's estate and just the over all hassle of trying to find the electric bill or where the birth certificates were stored.
Whether you or your husband handles the paperwork, it is a kind and generous thing to make sure that your spouse knows where all the important papers are and how to handle the household expenses. No one expects to be widowed, but for some it will happen. Be kind. Be prepared.
In an effort to help gals with this, I've created some pages. Print them out, use them as check lists, fill in the info, file as appropriate. Hopefully you will never need this info, but if you do, it will save you or your sweetie a truckload of hassle.
What I have listed below is just a suggestion for organizing your paperwork. Please be aware that you have many options. You can file things on your computer, in files, in binders and more. Hopefully what I have here will help you see the different kinds of paperwork you may need to handle and help you gather what you need.
I would also recommend that you not run out and buy a lot of fancy containers, labels and what not. Start with basic office supplies and use whatever boxes and household items you have around the house. When you have tried a number of things and have found a system that works for you, then buy the pretty baskets and fancy organizers.
IMPORTANT PAPERS
These papers have little day to day use, you just need to have them handy. Some of these are original papers (like birth certificates). Others are reference materials (like your auto insurance policy).
Gather:
something to hang your file folders in (safe, cabinet, box, etc.)
hanging file folders w/tabs - expandable or box bottom are nice
manila folders
pen & paper
your pile of important papers
CHECKLIST OF IMPORTANT PAPERS
sticky notes
HOW TO SET UP A HOUSEHOLD FILING SYSTEM
The "checklist" will give you an idea of what is important and the "how to" will help you set up a file system from which you can retrieve your papers when you need them.
WORKING PAPERS
These are the necessary day to day materials (like bills and bank statements). One person usually does the bill paying and general paperwork, so it's a good idea to share that information or create reference pages so that the non-bill-paying spouse can figure out what needs to be done.
The "checklist" will give you an idea of what papers you need. The "how to" will help you set up a work station. The "reference pages" will have overall information that you might need. The "household binder" is just one idea for gathering household information.
PERSONAL PAPERS
You will have a whole host of other kinds of papers, from correspondence to your kid's art work. These are not necessary to running your household, but they're important to you in some way. I would recommend setting these aside to deal with later as a separate organizational issue.
YOUR WILL
Yes, you and your husband need a will. Even if you have no children and not much in the way of worldly goods, having a simple will can save you a tremendous amount of hassle. Most states will automatically give everything to the surviving spouse, but a will makes that smooth and easy. If you have children, a will is a must. It is rare that both spouses die at the same time, but please be wise and make plans for your children.
U.S. Legal Forms (inexpensive wills that are state specific)
INSURANCE
There are different schools of thought when it comes to insurance. I respect that people have different beliefs, but if you are in the market for an opinion, may I encourage you to look into this? Insurance money can make a difficult time much more bearable. It may also keep you from having to sell your house or scramble for a different job to make ends meet. You don't need more stress at such a time.
Four Must Have Insurance Policies by Dave Ramsey
MAKING DECISIONS
When it comes to decisions, especially important decisions, I encourage you to act as slowly as you can. One common way of dealing with grief is to be busy. There are details to deal with, but take things as slowly as your sanity will allow. You won't be thinking well. Do only those things that have to be done and go to your wisest friends for advice when making any important decisions.

More great resources

http://www.daveramsey.com/article/legacy-drawer-keep-your-family-prepared/lifeandmoney_relationshipsandmoney/

http://www.thesimpledollar.com/2009/05/26/preparing-your-information-for-disaster/

http://online.wsj.com/article/SB10001424052702303627104576410234039258092.html#project=DOC110702&articleTabs=article

http://organizemyaffairs.com/


This could be VITAL for all of us !!

Another point I would like to make is to have current medical information on you and in your vehicle. I read an article where a woman traveled a lot. She realized that, if she were in a bad car accident, the paramedics would have to spend lots of time finding her information at a time when speed would be critical. So she made a form to keep in her car and in her purse.

I did the same thing and did more than she did. I typed two pages on the computer. One page had the list of my contacts-daughter, son, and a local neighbor with name, address, phone #. The other page listed my meds and dosages; my blood type; my dr’s name, address, & phone #; my allergies; my name, address, & phone #. When I printed them out, I minimized them, put them back to back, and covered them with the plastic laminated pouches. I attached one to the left edge of my sun visor and put one in my purse. I update them when needed.