8 tips for protecting your privacy, money and identity while you’re online

With all the hackers out there trying to break into secure Wi-Fi networks, steal personal and financial information and generally wreak havoc on our lives, it only makes sense to do everything possible to protect ourselves from the miscreants of the world.

Short of becoming a hermit and moving into a cave, there’s really nothing we can do to ensure that we never have our privacy compromised in today’s ultra-connected world.

But we can take steps to minimize the risks associated with being online as much as possible. Here are just a few of them: 

1 – Run regular malware scans with multiple software tools. While most of the anti-malware programs available today do a pretty good job at detecting and removing viruses, trojans, spyware and adware from our systems, none of them are perfect.

Using multiple tools increases your odds of finding ALL of the bad stuff that might be lurking in the virtual dark corners of your hard drive.

I recommend running full scans with the free versions of Avast Antivirus and Malwarebytes  once per week. If malware is found (or even suspected), this post will tell you how to root it out and get rid of it completely.

2 – Secure your Wi-Fi connection with the strongest encryption method that’s supported by your router. If you have an older router that only supports WEP and WPA encryption, I strongly recommend upgrading to a newer, more secure model.

3 – While traveling, connect to the Internet and/or access your home or office computer securely by using a free Virtual Private Network (VPN). This article gives details several great free VPN options. (Note: The article linked to above is from 2015, but the recommendations are still good ones in my opinion.)

4 – Always take advantage of a website’s https: encryption whenever available. On sites that offer https: encryption as an option, you’ll have to enable it manually.

Some sites will have a link that you can click to turn on https: encryption. It will usually look something like “Click here to switch to secure site”.

If you don’t see a link to click, you can simply append the letter s to the end of the http portion of the site’s URL. For example, if you’re visiting http://example.com and you know they offer https: encryption, you can enable it by changing the URL to https://example.com.

While either of the two methods listed above will turn on a website’s encryption, the easiest way to do it by far is to install a fantastic browser extension called HTTPS Everywhere. Once installed, HTTPS Everywhere will automatically turn on https: encryption every time you visit a site that offers it.

5 – Be careful when checking your email. Hackers and scammers love using fake emails to trick you into downloading malware onto your computer and/or visiting malicious websites. To be safe, never click on a link in an email unless you know for certain that it’s legitimate.

For example, if you sign up for an online service and they tell you that you’ll need to verify your email address by clicking a link in an email they’re going to send you, clicking that link will be fine. In most other situations though, I recommend not clicking!

6 – Beware of fake websites, especially if you type the URL into the address bar manually. It’s easy to make a mistake and end up in a place that appears to be where you wanted to go, but isn’t.

For example, lets say you want to visit the PayPal website but you accidentally type www.payal.com into the address bar. There used to actually be a website at www.payal.com that looked exactly like the real PayPal site, but the login form on that fake page would steal your PayPal login information.

Thankfully, that fake “PayPal” website has been shut down (which is why I chose to use it as my example), but there are countless others out there just waiting for you to make a typo so they can rip off your money and/or identity.

Bottom line: Always take care when typing a URL into your browser’s address bar!

7 – Create passwords for your online accounts that are easy to remember, yet hard to crack. This post explains how.

8 – Choose security questions and answers that are impossible to guess, even by people who know you extremely well. Read this post to find out how.

Conclusion: While it’s important to understand that your personal and financial information is always at risk whenever you’re online, the tips listed above can help keep you as safe as possible.

If you find this post useful, I hope you’ll consider sharing it with your friends.

By the way, you can get even more tips in my free RicksDailyTips Email Newsletter. As a subscriber, you’ll also qualify to win some awesome prizes in my monthly Tech-Gear Giveaway! Sign up at the bottom of this page!

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