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Cybersecurity: Level up your digital defense

Cybersecurity: Level up your digital defense
7:11

Cyber threats are lurking around every digital corner.

From data breaches exposing millions of passwords to sophisticated phishing scams that even the savviest users can fall victim to, the risks to our personal information have never been greater.

Protecting yourself online doesn't require a degree in computer science. With a few essential practices and the right mindset, anyone can significantly improve their digital security. Here are fundamental cybersecurity practices that will transform you from an easy target into a well-defended digital life.

Strong passwords: Your first line of defense!

  • Ditch the defaults: "123456" or "password" are a hacker's dream!
  • Go long & strong: Aim for at least 12 characters– mix it up with uppercase, lowercase, numbers and symbols.
  • Password uniqueness: Don't recycle passwords across accounts. If one gets compromised, they all do!
  • Why it matters: Strong passwords are the gatekeepers to your personal info. Weak ones are like leaving your front door wide open.

MFA (multi-factor authentication): Double the lock, double the security!

  • Beyond the password: It's like adding a second lock. Usually, it's a code from your phone or an app.
  • Even if they crack your password, they still need that second factor!
  • Turn it ON: For email, social media, banking – anything sensitive!
  • Why it matters: MFA is your safety net. It drastically reduces the risk of account takeovers.

Password managers: Your password vault!

  • Stop the sticky notes: Forget writing passwords down!
  • One master password: Securely store all your logins in an encrypted vault.
  • Generate strong passwords: Let the manager create ultra-strong, unique passwords for you.
  • Why it matters: Password managers simplify security and boost your password strength.

Hover before you click: Spot the phish!

  • Don't fall for fakes: Scammers create emails and websites that look legit to steal your info.
  • Hover your mouse: On a computer, hover over links without clicking to see the real web address. Does it look fishy?
  • Think before you click: If an email seems urgent or too good to be true, verify it through another channel.
  • Why it matters: Phishing is a top threat. A little caution can save you from big trouble.

Keep your devices updated: Patch the holes!

  • Updates = Armor: Software updates often include critical security fixes.
  • Auto-update is your friend: Turn on automatic updates for your computer, phone and apps.
  • Don't delay: Install updates promptly; those patches are there for a reason!
  • Why it matters: Outdated software is an easy target for hackers. Updates are your device's security shield.
Passwords vs. passphrases: Level up your login game!

  •  Passwords: Shorter, can be a word or combo. (e.g., MyPass123)
  • Passphrases: Longer, like a sentence. (e.g., I love ice-cream!)
  • Length = strength: Passphrases are generally stronger because they're longer and harder to crack.
  • Why it matters: Passphrases add extra complexity, making it way harder for hackers to guess.

Secure Wi-Fi: Your connection shield!

  • Public Wi-Fi = risky: Unsecured public Wi-Fi (like at cafes) is a playground for hackers.
  • Use your data or secure networks: Stick to your mobile data or password-protected Wi-Fi.
  • VPNs are a plus: A virtual private network (VPN) adds an extra layer of encryption.
  • Why it matters: Secure your connection to prevent eavesdropping and data theft.

Backup your data: Don't lose it all!

  • Imagine the worst: What if your computer crashes or your phone gets stolen?
  • Regular backups: Use cloud services or external drives to back up your important files.
  • The 3-2-1 rule: 3 copies of your data, 2 different storage types, 1 offsite backup.
  • Why it matters: Backups are your lifeline to recover from disasters, big or small.

Burner email & phone: Spam busters!

  • Spam magnet: Giving out your primary email/phone everywhere? Get ready for junk!
  • Burner accounts: Create a separate email (e.g., justsendmespamhere@email.com) or use a service like Google Voice for less important stuff.
  • Keep your main accounts clean and spam-free.
  • Why it matters: Burners help you control spam and protect your privacy.

Check for data breaches: Are you pwned?

  • Breaches happen: Companies get hacked, and your data can be exposed.
  • Have I been pwned?: Use sites like haveibeenpwned.com to see if your email has been in a breach.
  • Change passwords ASAP: If you find your info was compromised, change your passwords immediately!
  • Why it matters: Staying informed about breaches lets you take action to protect yourself.

Encrypted communication: Private chats only!

  • Privacy matters: Regular messaging and email aren't always private.
  • Encrypted apps: Use apps like Signal and WhatsApp (with encryption enabled) for secure messaging.
  • Encrypted email: Consider services like proton.me for private email.
  • Why it matters: Encryption scrambles your messages, so only the intended person can read them.

Private browsing & GenAI: Leave no trace!

  • Private browsing: Use browsers like DuckDuckGo to limit tracking while you browse.
  • Private GenAI chats: Explore tools like Duck AI for more private AI interactions.
  • Control your data footprint: Minimize the information you leave behind online.
  • Why it matters: Protect your online activity and personal information from prying eyes.

Virtual credit cards: Shop safer online!

  • Card cloning risk: Online shopping can expose your credit card details.
  • Virtual cards: Many banks let you create temporary, virtual card numbers for online purchases.
  • Limit the damage: If a virtual card gets compromised, your main card is safe.
  • Why it matters: Virtual cards add a layer of security to your online transactions.

Parental controls: Kid-safe online!

  • The internet jungle: The web can be a wild place, especially for kids.
  • Control access: Use tools like OpenDNS or your internet provider's parental controls to filter content and limit screen time. (https://www.opendns.com/setupguide/)
  • Don't forget mobile: Set controls on their phones too!
  • Why it matters: Protect children from inappropriate content and online dangers.

Credit freeze: Lock down your credit file!

  • ID theft alert: Identity thieves can open accounts in your name.
  • Freeze your credit: Contact Equifax, Experian, and TransUnion to freeze your credit reports. This makes it harder for criminals to open new accounts. (https://www.usa.gov/credit-freeze)
  • Temporary or permanent: You can temporarily lift the freeze when you need to apply for credit.
  • Why it matters: A credit freeze is a powerful tool to prevent identity theft.

GenAI risks: The new frontier of scams!

  • Deepfakes are real: AI can create incredibly convincing fake videos and audio.
  • Synthetic identities: Scammers use AI to generate fake IDs for fraud.
  • Verify, verify, verify: Be extra cautious of unusual requests, especially involving money or sensitive information.
  • Why it matters: AI is changing the scam landscape, requiring heightened awareness.
Remember: Cybersecurity is an ongoing process, not a one-time fix. Stay informed, stay vigilant and stay safe!

This blog is sponsored by AdvisorEngine Inc. The information, data and opinions in this commentary are as of the publication date, unless otherwise noted, and subject to change. This material is provided for informational purposes only and should not be considered a recommendation to use AdvisorEngine or deemed to be a specific offer to sell or provide, or a specific invitation to apply for, any financial product, instrument or service that may be mentioned. Information does not constitute a recommendation of any investment strategy, is not intended as investment advice and does not take into account all the circumstances of each investor. Opinions and forecasts discussed are those of the author, do not necessarily reflect the views of AdvisorEngine and are subject to change without notice. AdvisorEngine makes no representations as to the accuracy, completeness and validity of any statements made and will not be liable for any errors, omissions or representations. As a technology company, AdvisorEngine provides access to award-winning tools and will be compensated for providing such access. AdvisorEngine does not provide broker-dealer, custodian, investment advice or related investment services.