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Smart speakers. Banking online. Location tracking. If you are a senior adult, there’s no doubt, the digital leaps and bounds you’re asked to consider each day can be daunting. If you are the child of a senior adult trying to make digital life more accessible, helping your parent consistently stay safe online can also be a challenge.
According to a recent Pew study on the topic, senior adults continue to become more digitally connected, but adoption rates continue to trail younger users, and digital divides remain. The study also revealed that 77% of older adults needed assistance in learning how to use technology.
As a senior, it’s easy to feel intimidated and even try to avoid technology altogether as a safety plan. However, more healthcare, banking, and retailers become almost 100% digital, opting out of digital life is becoming impossible.
Still, there’s a way forward. As with any challenge, it’s best to begin one step at a time. First, put your stake in the ground by committing to increase your awareness and consistency in the digital realm. Doing so will help you reduce your fear about potential data breaches, malware attacks, or worse, falling prey to an online scam. Here are seven more ways to build upon your privacy path.
Online protection software safeguards your privacy while also looking after your privacy too. McAfee+ Family plans include personalized protection for each member of the family, including older family members outside the home. For example, a grandparent can set up and manage their own protection for their identity, privacy, computers, and phones. And inviting a grandparent onto the plan is as simple as sending an email.
Updating your passwords regularly is an online privacy gamechanger. The only problem? It’s tough to remember all those passwords, so who wants to risk changing them, right? Consider a password manager (find the software packages that have a password manager built-in). Your Password Manager (PM) stores then populates the username and password fields every time you log on to a favorite site or app. Better yet, it makes changing your password an easy task since you don’t need to do any remembering—your PM does it all for you.
What in the world? 2FA sounds complicated! Don’t worry, it’s not. Opting for 2FA means that before logging onto your account, you will have one more step to verify it’s you logging on. When given this privacy option, take it. Commonly, the 2FA process is a code generated by a smartphone app—no biggie. If you want to try, go to your settings in your favorite apps, such as Google or Facebook, and turn on the 2FA option.
Along with strong passwords, updating your software is a front-line defense against identity theft and fraud. Installing software updates (those pesky pop-up notices that are critical to your privacy) is essential in securing your IoT devices, PCs and phones, and the social media, banking, and healthcare portals connected to them.
5. Use a Virtual Private Network (VPN).
If we could write this one tip down a hundred times without losing our readers, we surely would. Every senior adult needs a VPN for practical, powerful privacy protection and peace of mind. A VPN keeps credit card and personal info contained in a secure network and away from prying eyes.
Fraudulent emails connected to fraudulent websites can look very legitimate. A secure website will have an “HTTPS” in the browser’s address bar. The “s” stands for “secure.” If the web address or URL is just HTTP, it’s not a secure site. Still unsure? Read reviews of the site from other users before making a purchase. Never send cash, cashier’s check, or a personal check to any online vendor. If purchasing, always use a credit card in case there is a dispute. Stay up-to-date on scams that target seniors specifically. Lately, elder scams have been constructed around COVID, dating apps, tax returns, employment, and, of course, the common military catfish scams.
Like it or not, companies gather, share, and sell plenty of information about us online. Among them, online data brokers that collect information about people from public records and third parties, like shopping information from the discount cards we use to get deals at the supermarket or drug store. They compile this information and post it online for anyone to see, for a price. And they’ll sell it to anyone. That includes marketers, advertisers, and even bad actors who use it for scams and to help them commit identity theft. You can clean up these digital breadcrumbs, though. Our Personal Data Cleanup scans some of the riskiest data broker sites and show you which ones are selling your personal info. We’ll also provide guidance on how you can remove your data from those sites and with select products, we can even manage the removal for you.
When trying to boost your digital skills, don’t forget about all the amazing instructional content at your fingertips. A quick search of YouTube will render easy-to-understand videos on how to do just about everything (including install security software, change your router password, secure the smart devices in your home, and how to adjust your privacy settings on any device).
Learning or building a new skill isn’t always easy, but if you stop to think about it, as a senior, you’ve gained so many skills over your lifetime (far more than your juniors). So, practically speaking, building up your tech skills is one is just one more task to ace. So, lean into the challenge, have fun learning, and don’t hesitate to ask for help if you need it.
The post 7 Savvy Ways Senior Adults Can Safeguard Digital Privacy appeared first on McAfee Blog.
Ping, it’s a scammer!
The sound of an incoming email, text, or direct message has a way of getting your attention, so you take a look and see what’s up. It happens umpteen times a week, to the extent that it feels like the flow of your day. And scammers want to tap into that with sneaky phishing attacks that catch you off guard, all with the aim of stealing your personal information or bilking you out of your money.
Phishing attacks take several forms, where scammers masquerade as a legitimate company, financial institution, government agency, or even as someone you know. And they’ll come after you with messages that follow suit:
You can see why phishing attacks can be so effective. Messages like these have an urgency to them, and they seem like they’re legit, or they at least seem like they might deal with something you might care about. But of course they’re just a ruse. And some of them can look and sound rather convincing. Or at least convincing enough that you’ll not only give them a look, but that you’ll also give them a click too.
And that’s where the troubles start. Clicking the links or attachments sent in a phishing attack can lead to several potentially nasty things, such as:
However, plenty of phishing attacks are preventable. A mix of knowing what to look for and putting a few security steps in place can help you keep scammers at bay.
How you end up with one has a lot to do with it.
There’s a good chance you’ve already seen your share of phishing attempts on your phone. A text comes through with a brief message that one of your accounts needs attention, from an entirely unknown number. Along with it is a link that you can tap to follow up, which will send you to a malicious site. In some cases, the sender may skip the link and attempt to start a conversation with the aim of getting you to share your personal information or possibly fork over some payment with a gift card, money order, rechargeable debit card, or other form of payment that is difficult to trace and recover.
In the case of social media, you can expect that the attack will come from an imposter account that’s doing its best to pose as one of those legitimate businesses or organizations we talked about, or perhaps as a stranger or even someone you know. And the name and profile pic will do its best to play the part. If you click on the account that sent it, you may see that it was created only recently and that it has few to no followers, both of which are red flags. The attack is typically conversational, much like described above where the scammer attempts to pump you for personal info or money.
Attacks that come by direct messaging apps will work much in the same way. The scammer will set up a phony account, and where the app allows, a phony name and a phony profile pic to go along with it.
Email gets a little more complicated because emails can range anywhere from a few simple lines of text to a fully designed piece complete with images, formatting, and embedded links—much like a miniature web page.
In the past, email phishing attacks looked rather unsophisticated, rife with poor spelling and grammar, along with sloppy-looking layouts and images. That’s still sometimes the case today. Yet not always. Some phishing emails look like the real thing. Or nearly so.
Case in point, here’s a look at a phishing email masquerading as a McAfee email:
There’s a lot going on here. The scammers try to mimic the McAfee brand, yet don’t quite pull it off. Still, they do several things to try and be convincing.
Note the use of photography and the box shot of our software, paired with a prominent “act now” headline. It’s not the style of photography we use. Not that people would generally know this. However, some might have a passing thought like, “Huh. That doesn’t really look right for some reason.”
Beyond that, there are a few capitalization errors, some misplaced punctuation, plus the “order now” and “60% off” icons look rather slapped on. Also note the little dash of fear it throws in at the top of the email with mention of “There are (42) viruses on your computer.”
Taken all together, you can spot many email scams by taking a closer look, seeing what doesn’t feel right, and then trusting you gut. But that asks you to slow down, take a moment, and eyeball the email critically. Which people don’t always do. And that’s what scammers count on.
Similar ploys see scammers pose as legitimate companies and retailers, where they either ask you to log into a bogus account page to check statement or the status of an order. Some scammers offer links to “discount codes” that are instead links to landing pages designed steal your account login information as well. Similarly, they may simply send a malicious email attachment with the hope that you’ll click it.
In other forms of email phishing attacks, scammers may pose as a co-worker, business associate, vendor, or partner to get the victim to click a malicious link or download malicious software. These may include a link to a bogus invoice, spreadsheet, notetaking file, or word processing doc—just about anything that looks like it could be a piece of business correspondence. Instead, the link leads to a scam website that asks the victim “log in and download” the document, which steals account info as a result. Scammers may also include attachments to phishing emails that can install malware directly on the device, sometimes by infecting an otherwise everyday document with a malicious payload.
Email scammers may also pose as someone you know, whether by propping up an imposter email account or by outright hijacking an existing account. The attack follows the same playbook, using a link or an attachment to steal personal info, request funds, or install malware.
While you can’t outright stop phishing attacks from making their way to your computer or phone, you can do several things to keep yourself from falling to them. Further, you can do other things that may make it more difficult for scammers to reach you.
The content and the tone of the message can tell you quite a lot. Threatening messages or ones that play on fear are often phishing attacks, such angry messages from a so-called tax agent looking to collect back taxes. Other messages will lean heavy on urgency, like the phony McAfee phishing email above that says your license has expired today and that you have “(42)” viruses. And during the holidays, watch out for loud, overexcited messages about deep discounts on hard-to-find items. Instead of linking you off to a proper ecommerce site, they may link you to a scam shopping site that does nothing but steal your money and the account information you used to pay them. In all, phishing attacks indeed smell fishy. Slow down and review that message with a critical eye. It may tip you off to a scam.
Some phishing attacks can look rather convincing. So much so that you’ll want to follow up on them, like if your bank reports irregular activity on your account or a bill appears to be past due. In these cases, don’t click on the link in the message. Go straight to the website of the business or organization in question and access your account from there. Likewise, if you have questions, you can always reach out to their customer service number or web page.
When scammers contact you via social media, that in of itself can be a tell-tale sign of a scam. Consider, would an income tax collector contact you over social media? The answer there is no. For example, in the U.S. the Internal Revenue Service (IRS) makes it quite clear that they will never contact taxpayers via social media. (Let alone send angry, threatening messages.) In all, legitimate businesses and organizations don’t use social media as a channel for official communications. They have accepted ways they will, and will not, contact you. If you have any doubts about a communication you received, contact the business or organization in question directly and follow up with one of their customer service representatives.
Some phishing attacks involve attachments packed with malware like the ransomware, viruses, and keyloggers we mentioned earlier. If you receive a message with such an attachment, delete it. Even if you receive an email with an attachment from someone you know, follow up with that person. Particularly if you weren’t expecting an attachment from them. Scammers will often hijack or spoof email accounts of everyday people to spread malware.
On computers and laptops, you can hover your cursor over links without clicking on them to see the web address. Take a close look at the addresses the message is using. If it’s an email, look at the email address. Maybe the address doesn’t match the company or organization at all. Or maybe it looks like it almost does, yet it adds a few letters or words to the name. This marks yet another sign that you may have a phishing attack on your hands. Scammers also use the common tactic of a link shortener, which creates links that almost look like strings of indecipherable text. These shortened links mask the true address, which may indeed be a link to scam site. Delete the message. If possible, report it. Many social media platforms and messaging apps have built-in controls for reporting suspicious accounts and messages.
On social media and messaging platforms, stick to following, friending, and messaging people who you really know. As for those people who contact you out of the blue, be suspicious. Sad to say, they’re often scammers canvassing these platforms for victims. Better yet, where you can, set your profile to private, which makes it more difficult for scammers select and stalk you for an attack.
How’d that scammer get your phone number or email address anyway? Chances are, they pulled that information off a data broker site. Data brokers buy, collect, and sell detailed personal information, which they compile from several public and private sources, such as local, state, and federal records, plus third parties like supermarket shopper’s cards and mobile apps that share and sell user data. Moreover, they’ll sell it to anyone who pays for it, including people who’ll use that information for scams. You can help reduce those scam texts and calls by removing your information from those sites. Our Personal Data Cleanup scans some of the riskiest data broker sites and shows you which ones are selling your personal info.
Online protection software can protect you in several ways. First, it can offer safe browsing features that can identify malicious links and downloads, which can help prevent clicking them. Further, it can steer you away from dangerous websites and block malware and phishing sites if you accidentally click on a malicious link. And overall, strong virus and malware protection can further block any attacks on your devices. Be sure to protect your smartphones in addition to your computers and laptops as well, particularly given all the sensitive things we do on them, like banking, shopping, and booking rides and travel.
Once phishing attacks were largely the domain of bogus emails, yet now they’ve spread to texts, social media, and messaging apps—anywhere a scammer can send a fraudulent message while posing as a reputable source.
Scammers count on you taking the bait, the immediate feelings of fear or concern that there’s a problem with your taxes or one of your accounts. They also prey on scarcity, like during the holidays where people search for great deals on gifts and have plenty of packages on the move. With a critical eye, you can often spot those scams. Sometimes, a pause and a little thought is all it takes. And in the cases where a particularly cagey attack makes its way through, online protection software can warn you that the link you’re about to click is indeed a trap.
Taken all together, you have plenty of ways you can beat scammers at their game.
The post How to Avoid Phishing Attacks on Your Smartphones and Computers appeared first on McAfee Blog.
Dozens of content creators center their channels on highlighting the differences between today’s most prominent generations: the Silent Generation, baby boomers, Generation X, millennials, and Generations Z and Alpha. At quick glance, no generation seems to have much in common with the others.
Despite our vastly different life experiences and philosophies, there’s something that people of any age should get behind: identity and online privacy protection. Young or old, cybercriminals don’t discriminate against who they target. In fact, some generations are more prone to certain scams than others.
Education on current cyber threats is the first step to defending against them. Here’s how to protect every member of the family against online threats.
Cybercriminals can steal identities even from young children who don’t yet have an online presence. Criminals can buy Social Security Numbers (SSNs) of minors on the dark web or gather them through medical record or school system breaches. Those SSNs are valuable to a cybercriminal, because the theft can go undetected for years. Since children aren’t opening credit cards or applying for mortgages, there’s seemingly no reason to keep tabs on their credit and ensure everything is normal.
To check up on the online safety of your youngest family members, it’s never too early to start identity monitoring. Also, consider putting a credit freeze on your child’s credit. A credit freeze does not negatively affect their credit score. Since they won’t be needing it for several years anyway, might as well make your child’s credit inaccessible to everyone, including criminals.
Teenagers crave independence. Often at this age, parents allow their teens to open and manage their first email addresses and social media profiles independently. It’s an important life lesson in organization, responsibility, and digital literacy; however, these platforms are not without risks like cyberbullying, fake news, and social engineering.
The best way to avoid falling for each is through education. Globally, 13% of children experienced the most severe forms of cyberbullying, including harassment, physical threats, and stalking. Ensure that your tweens and teens who spend time unsupervised on their connected devices know what to do if they encounter cyberbullying. The best course of action is to report the incident to an adult, and in the meantime, to suspend their accounts.
To steer clear of fake news perpetuated by social media bots and social engineering scams, a safe browsing extension may protect your teen’s device from risky sites. McAfee WebAdvisor not only alerts users to possible hidden malware, but also to phishing attempts, which may be difficult for teenagers to suss out. For teens who are eager to download a “free” TV or video game, they may miss the telltale signs of malicious sites, such as typos, blurry logos, or offers that are too good to be true.
While adults typically have more street smarts than teens, their schedules are brimming with important tasks. Juggling work, social obligations, and running a household often leaves adults feeling like they don’t have time to spare. The feeling that they have to rush through emails, social media direct messages, and even dating app correspondences could increase their susceptibility to phishing, malware, and computer viruses.
The best advice to adults to avoid phishing or malicious bugs is this: slow down! Take your time when you receive any message from someone you don’t know or have never met in person. If you feel even an iota of suspicion, don’t engage any further with the sender. Delete the message. If it’s important, the person or organization will follow up.
To fully protect expensive connected devices and the personally identifiable information they store, consider investing in safe browsing, antivirus software, and identity monitoring and restoration services to catch any threats that may have passed under your watchful eye.
Cybercriminals often seek out seniors as easy targets for online scams. Because they aren’t digital natives like millennials and Gen Zers, seniors are typically less confident in their online skills. For example, they may not realize that every email in their inbox isn’t necessarily sent by someone with good intentions. What can start out as a friendly online pen pal can quickly spiral into divulging sensitive personal information or sending huge sums of money to a criminal.
The best way to prepare the seniors in your life for online safety is to impart a few, easy-to-follow absolutes. Start with these three rules:
For peace of mind, enroll the seniors in your family in identity monitoring and restoration services. This will help them get back on their feet if their identity was compromised in a senior scam.
Get the whole family committed to safer and more private online lives with the help of McAfee+ Ultimate Family Plan. The Family Plan covers up to six individuals and protects their online lives with an entire suite of comprehensive privacy, identity, and device security features. For example, families can receive up to $2 million in identity theft recovery and $50,000 in ransomware coverage. The plan also includes preventive measures to fight online crime, such as safe browsing tools, an advanced firewall, unlimited VPN, and antivirus software for unlimited devices.
Empower your whole family with online confidence and protection for their digital life!
The post Protect the Whole Family with McAfee+ Ultimate Family Plan appeared first on McAfee Blog.
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