How To Spot Phony Online Offers

We’ve all seen those emails or pop-up advertisements on our computer that seem too good to be true.

You’ve probably seen offers such as:

• You’ve won an all expenses paid trip to Europe!
• Buy an iPad for $25!
• Make $12,000 a month from your home!

If you’re looking for some more phony online offers, here’s a list of some of the top internet scams from this past year.

No matter what the offer is, no one wants to be a victim of a phony online offer. Most of the time, the people behind these offers are trying to steal valuable personal information such as credit card numbers, social security numbers, bank account numbers and even your identity.

To help protect your bank accounts and identity, here area some tips on how to spot phony online offers.

The Offer Seems Too Good To Be True

If the offer seems too good to be true, then it’s probably an online scam. Most organizations are not freely giving away all expenses paid trips and pricy electronics for nothing.

The Offer Comes From An Unknown Organization

If the offer comes from an organization you’ve never heard of, then it’s probably a scam. Be very careful, sometimes scammers will use names that sound very similar to reputable companies and organizations.

You Never Signed Up For Anything

So you’ve won an iPad, but you never entered any contests to begin with. If this is the case, it’s probably a scam. Delete the email or close the pop-up window.

There Are No Contest Details

If you’ve really won something, there will be details explaining the sweepstakes and its rules. Most phony online offers don’t have any details.

The Offer Is From Overseas

If the offer is from a foreign country it’s probably a scam. Many scammers work out of countries overseas because it is difficult for U.S. law enforcement agencies to arrest them.

Spotting these signs will help protect you against phony online offers. Remember, if it seems too good to be true, it’s probably a scam.

8 Tips to Protect Your Identity Online

In this day and age, almost everyone is using the internet to shop, pay bills and keep up with friends. The internet can be a powerful tool to help simplify your life. However, your life can turn into a complicated nightmare if you aren’t careful to protect your identity online. We’ve put together a few tips to help you stay safe while you’re surfing.

1. Don’t Volunteer Information – When you’re filling out a form online, only give out the information that is required. The less information that you put online, the less that someone can steal from you. And if the form you are filling out isn’t important, sometimes it’s okay to give a less than truthful answer to the form questions.
2. Look For the Lock – Whenever you are giving out personal information on the web, make sure that the page you are on is secure. Look for the lock symbol in your browser’s status bar or “https” in the web address. This ensures that the form you are filling out is sending your online data in a secure manner. Remember, all web addresses generally start out with “http” but a secure page will start out as “https”.
3. Don’t Feed the Phish – If you receive an email from your bank or financial institution, do not click on the links in the email. Go directly to their website to login. Even if the address that the email came from looks legitimate, it’s better to be safe than sorry. Most occurrences of identity theft happen because the victim gave out their own information by accident.
4. Shop Safely – Check with your credit card company or financial institution to see what types of online shopping products they may have available. Some credit card companies offer “one-shot” credit card numbers. These are numbers that your company may issue you to do online shopping – they’re used once only. You can shop safely without the worry that someone may steal your card number.
5. Educate Your Kids – You can take every precaution for safe online activity but if you don’t teach your kids about online safety, they can inadvertently give out important information. Make sure that they understand not to send identifying information about their family or themselves online. Even if they are sending the information to a trusted person, their transmissions could be intercepted.
6. Look Over Your Shoulder – When using your computer in a public area, make sure that you are aware of your surroundings. People can look over your shoulder and watch you enter passwords or PIN numbers that would allow them access to your private information.
7. What’s Their Policy? – Make sure that, when you are shopping online, paying a bill, or participating in any activity where you will be engaging in a funds transfer, that the website you are on has a privacy policy. Make sure that you review it before giving out your financial information.
8. Use a Smart Password – We mentioned earlier that a lot of online identity theft occurs because people accidentally give out their information. This can be true of passwords too. Most “hacking” is actually just lucky guessing so, when you are picking passwords for your online accounts, be smart about it. Don’t use a password that is easily guessed (like a pet or child’s name.) Use as many characters as you can and, if allowed, add in numbers or special characters to make your password hard to guess.

Keeping your identity safe online can seem very daunting. However, by following a few easy guidelines and adding in a good dose of common sense, the internet can be a fun and enjoyable place for your entire family.