7 Ways To Protect Fraudsters From Hacking Into Your Account

Unfortunately, fraudsters have no bounds. They are everywhere, which is why keeping close tabs on your financial life is extremely important. You can never be more than careful when it comes to your money – your hard-earned income. What you live on is not something to be joked with. Here is a list of ways you can protect your account from fraudsters.

1. Check your accounts daily:
It may seem kind of extreme, but it’s not — especially when it comes to fraud associated with a debit card and/or checking account. Monitoring your accounts on a daily basis will not only allow you to always have a good idea of what’s going on with your money, but it will also help you spot any potential fraudulent activity immediately.

And if you do ever see something that looks suspicious, contact the bank immediately and find out what steps you need to take to repair the damage.

2. Choose a bank with good customer service

When you’re working with a big bank, it can sometimes be tough to get the personal service and attention you may need or want.

Consider taking your business to a credit union or a local bank that has a good reputation. You’ll typically find that you get a better and more personalized customer service experience, which can make handling your financial life a lot less stressful.

You also want to make sure you’re banking with a company that you feel comfortable with, which is different for everyone. So do a little research into some local banks regarding their customer service and other things like how they respond to and handle any issues etc.

3. Never share your banking information with anyone
In order to protect your financial life, it is best you don’t share any of your sensitive information via text, email, phone, social media or any other messaging app.If you call the bank directly, that’s fine.

But if you ever receive a request to share your information, do not respond or provide any piece of information about yourself.

Thieves are looking to collect any bit of information on you that they can, so eventually they will be able to put the pieces together and gain access to your accounts. So never respond to any correspondence that did not originate from you.

Keep in mind that scammers have found ways to make emails, texts and other messages look exactly like the real ones you get from your bank or other company — even using the exact logos and language you’re used to seeing. So if you get a request or update that your information is needed for something, call the bank or whatever company that sent the request directly.

4. Use strong passwords & two-factor authentication

Any time you log in to any online account, your bank account or some other shopping site, criminals could be watching without you even realizing it. And any piece of information they can pick up about you could help give them access to what they’re really after — your money.

So it’s important to text extra steps to protect your information online, and many sites now offer two-factor authentication to help make it more difficult for scammers to get in.

Two-factor authentication (sometimes called two-step authentication) requires you to take an extra step to authenticate who you are when you sign in or when you are doing a transaction. It’s sometimes also referred to as two-step authentication.

The extra step just depends on the company or website, so it could be a unique code that’s texted your cell phone or unique password you have to give when authorizing anything over the phone.

Whatever the extra step is, opt in for it. It’s another layer off security for you and your money.

5. Don’t access financial accounts from just anywhere

You should never log in to your bank account – or any other account that contains your bank or card information — from an unsecured device or unprotected Wi-Fi network.

Ideally, you should have a separate computer at home that you use for your banking and other financial activities.

If you unknowingly click on an email attachment or link that contains a virus, that virus can scan everything in your computer and send it all back to criminals without you even realizing it! So having a separate computer that you don’t use for email, Internet searches or anything else besides banking would help you avoid those types of scams.

Here are some other ways to protect yourself when doing online banking:

• Never use public Wi-Fi that isn’t password protected.
• Even if a Wi-Fi network requires a password, it could still be accessed by criminals. So don’t sign in to your accounts unless you can verify with the owner of the network that it’s secure.
• Once you’ve verified the security of a Wi-Fi source, pay attention to websites’ URLS when you’re online. If you see “https” or a lock icon, that means the site you’re visiting is more secure and has an encrypted line of communication between your browser and the website.

6. Do not leave your cheque book lying around

Cheque books and deposit slips have your bank’s routing information and the account information. Anyone who is able to access your cheque book has instant access to this information. Avoid leaving your cheque book on your work desk. If you need to keep it with you at work, try to leave it under lock and key in a secure place, or keep it in your purse or pocket at all times.

7. Dispose of your bank statements, financial documents properly

Identity thieves are well known to go through the trash of unsuspecting people who do not properly dispose their bank statements. The bank statement has not only your account number, but also your mailing address, which are two very important pieces of the puzzle for identity theft.

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10 Ways to Protect Your Password or Pin code

If you don’t want to fall victim to internet and bank fraudsters, you must read these 10 ways to protect your password and pin.

Just when you were feeling confident about building strong passwords to protect your online life, here comes the next security challenge: safeguarding your four-digit personal identification number (PIN).

PINs can be tricky to use safely. Their short, numerical nature makes the temptation to choose an easily guessed number such as a birthday almost irresistible, and

PINs see heavy action in public in front of prying eyes at every checkout counter.

How can you keep your PIN and credit or banking cards safe and secure?

1. Don’t choose a PIN based on obvious, publicly searchable information such as your telephone number, birthday, address or social security number.

2. Never write your PIN number on the card itself or on anything else in your wallet.

3. Never record your PIN number in your cell phone.

4. Shield the keypad with your body or your other hand when entering your PIN at an ATM or store Ways to protect your PIN checkout terminal.

5. Don’t let your card out of sight once you’ve handed it to a cashier.

6. Be aware of your surroundings when you’re using an ATM, especially if anyone seems to be standing too close for comfort. If you feel uneasy, cancel your transaction and go to another location.

7. Verify that the ATM you’re using has completed your transaction and closed your account before leaving; and make sure to take your card and receipt with you.

8. Never allow a bank or merchant employee to enter your PIN number, even if they are helping troubleshoot a problem.

9. Don’t give your PIN number to anyone, even PenFed or store representatives who are assisting you with an issue.

10. Beware of emails that ask for or require you to list your PIN, even if they appear to come from PenFed or the merchant associated with your card. If you’re suspicious, contact the institution independently, without clicking on or replying to that email.

Safeguard your financial security

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How To Become A Millionaire Before You Hit 30

Okay this is not a get rich skim or a motivational book gimmicky but the careful study and research carried out by the business insider. An analysis of the personality traits and shared experiences was carried out on some of the biggest and best money markers and they all had some things in common. We are all aware that this is a free market world where anything is possible and many of us do not use the opportunities that presents itself, the first step you need to note is that it is a “Free Market” and you can make a lot of money so this tips should help guide you on your journey to becoming a millionaire before the age of 30;

How to become a millionaire before you hit 30;

1. Earning more money is easier said than done but its also an important step to being a millionaire. In this new economy saving cannot do anything for you, you just have to make sure you focus on what you earn that mean find a means to increase your income in increments and keep repeating it.

2. To secure your financial house and to grow exponentially you need to have multiple streams of income, this is one of the traits billionaires and millionaires have in common. So to earn more you need to increase your stream of income.

3. Finding yourself broke twice a year because you are saving is not a bad thing, the reason it should be like this is because you are not just saving but saving to invest. Buy bonds or lock your money up so even if there is an emergency you wouldn’t be able to get it, this would force you to look for ways to increase your earning.

4. You have to develop the habit of reaching decision promptly and the reason why this is an important feat, is because rather than spending productive energy on wasteful thinking pouring this energy into things that would increase your productivity towards positivity is better. Be decisive so you can decide on simple task as easily as possible, this would give room for a more optimal use of your brain power.

5. Don’t show off yet until your multiple strings of income are secure, so if you still have to enter that keke or ride that old even after you’ve hit your million mark do so until you are positive of the security of your income stream.

6. Your mindset for becoming rich has to be that you are in control and not that it is out of your control. The wealthy minds all know that increasing wealth is an inside job.

7. Being a jack of all trades doesn’t mean you wouldn’t be a master at all, invest in building yourself don’t stream line your attention be versatile, read books or inspiring podcast, this would build you into thinking positively and growing.

8. Most rich people are self employed, and this is because they know self-employment is the fastest way to wealth so don’t miss out on the opportunity to acquire great wealth. Ditch that steady paying job because its time to take the bull by the horn.

9. Money won’t just appear, you have to visualize, set goals and work towards them. Attaining wealth takes focus, courage and a lot of self effort. Rich people are very clear about their goals which is “They want wealth”.

11. The biggest financial mistake is your not thinking big enough, reach out for $10,000, 000 instead of $1,000,0000 there is no shortage of money you just have to be among those people that think BIG.

Few would take a cue from this tips others would ignore it as a motivational gimmick but time would tell for those who paid attention its all up to you!!!

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7 Reasons Why You Should Totally Start Keeping A Diary

Diaries aren’t just for Bridget Jones or children. Even though sometimes it gets a bad reputation as being something childish or silly, diary-writing is an excellent mental health tool. Speaking as someone who has been keeping a consistent journal since age 12, I can pretty much attest to its amazing perks. Writing a diary lets me take charge of the minutiae of my life — everything from what I need to accomplish this day, this week, or even this year, to my thoughts, emotions, and concerns of the everyday. Whatever medium you choose, whether it’s digital or paper, here are the top seven reasons to start journaling:

1. Make to-do lists.

I use my diary to jot down everything I need to get accomplished during the day or during the week. I like having my to-do list in my diary better than having it in my phone, because the feeling of accomplishment, for me, increases tenfold. I also love to look back and remember the tasks of my everyday life months from now so that I can remember how far I’ve come. Somehow, ticking off boxes on a screen just doesn’t do it for me. It has to be catalogued, so I feel that much more pride.

2. Vent everything about your day and be honest with yourself.

If you’re a private person like me, then you try to work through problems by yourself before turning to a friend or S.O. A diary lets me do just that. It’s also my place to be completely honest with myself about how I feel about things, without fear of being judged or misunderstood. It’s a cathartic, healthy experience to have a safe place to vent about everything, and the process of writing it down is hella therapeutic. It’s almost like going to a therapist.

3. Preserve your brightest memories.

In my opinion, preserving the best moments of your life is the best reason to have a diary. Memories fade with time, and even the best ones fray and furl at the edges after a while. But if you write it all down when it’s fresh, you’ll be able to make an external memory you can look back on whenever you want. When I read my diaries from high school, even college, it’s like reliving it — every wonderful moment that made me who I am. Of course, not every moment will be wonderful, but I’ve even learned to love reading the bad parts of my story, because it reminds me how much I’ve grown and changed. Imagine watching a tape of your life — but less creepy. Diaries give that to me.

4. Write letters to your future self.

Similarly, I also use a diary to get in touch with who I aspire to be. Setting goals and meeting them is a necessity, but I also like to remind my future self of a few important things: like to remain childlike and have hope, to keep striving toward a dream, to love myself — things that even present me has trouble doing. But reading those letters when I get older will be like peeking into a window from my past, like an epistolary time capsule.

5. Use it as a scrapbook.

You probably take hundreds of pictures of your life. Why not paste them (physically or digitally) into your diary? That way, the whole entity becomes like a personal blog or scrapbook of sorts — where pictures and words create this complete picture of a snapshot in your amazing life.

6. Jot down ideas for creative projects.

Every writer, artist, musician, or what-have-you will tell you that a notebook or other similar means to jot down notes is pretty much essential. A diary, at least for me, sometimes doubles as a place to take notes, draft story ideas, and have that conversation with yourself that needs to happen to create anything. My diary is often the place where I write down terrible first drafts of anything I write, because for me, my diary is like a haven. I also may be a little obsessed with documentation, but hey — who isn’t? We are the Instagram generation, after all.

7. Use it as a dream journal.

Anyone who has ever struggled to remember their dreams will tell you that a dream journal is invaluable. I use my personal journal as a dream journal too, jotting down what I remember right when I wake up so I can get to know myself better. My journal has, throughout the years, become a mishmash of photos, lists, emotional venting, and early drafts of creative projects I can go back to and read whenever I want. It’s my autobiography in multimedia form, and it’s taught me so many important lessons about who I am and who I want to be.

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