At this time of year, there is a lot of consumer activity in the stores, malls and on-line retailers. Unfortunately, too much of that activity is fraudulent and the result of identity theft. Thieves steal identities by taking mail from mailboxes, dumpster diving for sensitive information inadvertently thrown out, through on-line scams and phoney email pitches, and--increasingly--by exploiting inadequately protected home computers.
Some spyware is designed to harvest personal information, bank accounts, user IDs and passwords from personal computers. Some email (called phishing) claims to be from your bank, lending institution, credit union or other financial agency and wants you to confirm your account information, when they are really just conning you into giving up your information for criminal purposes. The sad part of this is, it is such a pernicious threat to all of us because it works. People don't adequately protect home computer systems, and they respond all too often to phishing email.
Two things:
1. Always check with your financial institution before responding to any on-line or email communication purporting to be from that institution. Use the phone number in the phone book, not in the email or web site. Don't immediately delete the email, but be prepared to forward it. Never respond directly to these emails or click on the links in them until you have checked with your financial institution.
2. Protect your home computer.
Put a password on your login, which should not be the administrator but the limited user.
Use a good, updated and current anti-virus program, set it to auto-update and to automatically scan.
A sampling of commercial anti-virus products:
Norton Anti-Virus --
http://www.symantec.com/product/
McAfee Anti-Virus --
http://www.mcafee.com/us/
A sampling of free Anti-Virus products:
AVG --
http://free.grisoft.com/doc/1
Avast --
http://www.avast.com/
Ewido --
http://www.ewido.net/en/download/
Use a good anti-spyware program (or more than one) and scan frequently.
A sampling of free, reliable anti-spyware products:
SpyBot --
http://www.safer-networking.org/en/download/
Microsoft Anti-spyware --
http://www.microsoft.com/athome/secu...e/default.mspx
Adaware SE --
http://www.lavasoftusa.com/software/adaware/
Ewido --
http://www.ewido.net/en/download/
Make sure your operating system is current and up to date for patches and updates.
Windows Update --
http://update.microsoft.com/microsof...6/default.aspx
Use a firewall, either the one that came with the operating system (Windows, Linux and Apple OSX all have them), a personal firewall you bought or downloaded from a reputable source, or a hardware firewall in the cable/DSL router, if available.
A sampline of free personal firewalls:
ZoneAlarm --
http://www.zonealarm.com/
Kerio --
http://www.kerio.com/kpf_download.html (under acquisition, may be discontinued)
Sygate --
http://smb.sygate.com/products/spf_standard.htm