8 Ways to Protect Your Identity While Shopping Online

Concept of mobile shoppingAs we move into the most frenzied shopping season of the year, scam artists will be on the prowl for vulnerable shoppers. To avoid becoming a victim, consider taking steps now to keep your financial accounts and personal information safe.

1. Skip attachments and hyperlinks. Even attachments from people you know can be nefarious, since those acquaintances could be infected with a computer virus. If the email contains unusual or scant wording, don’t open the attachment. The same logic applies to hyperlinks in emails (or requests for information received over text message). First hover over the link to make sure it’s going to direct you to a valid address.

2. Don’t make purchases over coffee shop lattes. Any public Wi-Fi connection, such as those offered at coffee shops or libraries, carry extra risks, since they aren’t private. Try to avoid shopping online or engaging in any financial transactions, like logging into your bank account, from such hot spots.

3. Protect your smartphone. Web browsers and retailer apps on mobile devices make it easy to shop on the go, but doing so can also expose shoppers to extra risks since many phones don’t have the same kind of data encryption that’s often installed on computers. Even taking a relatively simple step, like enabling the password lock feature on your phone, will make it harder for a thief to access private data stored on the phone in case it’s lost or stolen. The computer security company McAfee also warns against downloading apps that might steal personal information.

4. Don’t trust your “friends.” Hackers target social media, including Facebook and Twitter, because they know it’s easier to get people to click on a link that appears to be recommended from a friend. McAfee has identified dozens of examples, including free dinner offers at Cheesecake Factory and fake mystery shopper invitations. Offers that sound too good to be true, such as free iPads or free iPhones, are also a common lure. The company cautions against clicking on fake alerts from friends, who may have been hacked themselves, and avoiding shortened links on Twitter that claim to offer deals.

5. Open e-cards with caution. They can be cute, but they can also be malicious. McAfee warns that some e-cards download viruses onto your computer when you download them. To avoid that outcome, the company suggests only opening e-cards from domain names that you recognize.

6. Upgrade your passwords. The holiday season can serve as a good reminder to give your passwords a makeover; security experts recommend changing them regularly as a precaution against hackers. Avoid common and simple words, use long combinations of words that also incorporate numbers or symbols, and never use duplicate passwords for multiple accounts. Sites that offer two-step authentication, such as Twitter and Gmail, can also add another layer of protection.

7. Check up on an e-retailer before making purchases. Some fly-by-night operations take advantage of the uptick in shopping around the holiday season to collect cash without ever mailing out the goods in return, warns the Better Business Bureau. The same applies to in-person exchanges on Craigslist or other online sites. To protect yourself, the bureau recommends never wiring money or paying in advance, and bringing a friend to any in-person exchanges.

8. Review your statements. The first sign of identity theft is often an unfamiliar charge on a credit card or bank statement; reviewing those statements carefully and contacting your financial institution or card provider with any concerns can prevent a theft from expanding. Credit cards usually come with some measure of automatic protection, as long as you report the scam relatively quickly.

Following these tips might leave you feeling overly cynical about the world, but the real downer would be dealing with a stolen identity just as the holiday season is heating up.

Don’t wait until it’s too late! Check out First Financial’s ID Theft Protection products – with our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored and you can try it FREE for 90 days!*

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit. To learn more about our ID Theft Protection products, click here and enroll today!**

Article Source: Kimberly Palmer for US News – Money, Http://money.usnews.com/money/personal-finance/articles/2014/09/16/8-ways-to-protect-your-identity-while-online-shopping

*Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program. 

**Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Help – I spent too much on the holidays and I’m still paying for it months later!

tighten belt on dollar conceptIf the holidays have left your budget overstretched, there are ways to recover (even if 3 months have passed) … you just need to act as quickly as you can.

While it might be tough to admit it (case in point: you’ve ignored the debt you racked up over the last few months), the first step to reducing your post-holiday debt is realizing and prioritizing it.

Beverly Harzog, author of Confessions of a Credit Junkie, says the best way to start a re-payment plan is to go after the debt on the highest interest rate card first and once that is paid off, go after the next one and so on and so on.

If you overspent this holiday season and know you won’t be able to pay off your credit card bills when they arrive next month, you need to adjust your spending habits ASAP.

Consumers should look at their spending categories and aim to shave small amounts off of each area (even if it’s $5 or $10 to start). Making many small cutbacks will be less painful than trying to find an extra $1,000 all at once to help pay off the credit card balance.

If you put a lot of your holiday gift spending on a high-interest rate credit card, Harzog recommends transferring the balance to a credit card with a lower interest rate. Even if you can reduce the interest rate just a little bit, it will help pay it down faster.

Did you know First Financial Federal Credit Union has a lower rate VISA Platinum Credit Card, great rewards, no annual fee, and no balance transfer fees? Apply today!*

If you are facing significant debt, it might be time to find new ways to generate extra income that is earmarked solely to paying off the debt. If you don’t want to get a traditional part-time job, review your talents and skill set to find alternative ways to make money, whether it’s giving piano lessons, fixing computers, catering, or doing web design.

Ed Gjertsen, Vice President at Mack Investment Securities, recommends the seven-day cash challenge to break an overspending habit. With this challenge, you estimate how much money you spend each week and then take out that amount of cash at the start of the week and see how long it lasts.

“When people do this, by Wednesday or Thursday they are usually out of money,” he says. “They don’t think of all the times they swipe that card. It gives them a reality check of how much they are spending.”

If you need an anonymous, online tool to help you get your debt in check – try Debt in Focus – First Financial’s free and anonymous online debt management tool. In just minutes, you will receive a thorough analysis of your financial situation, including powerful tips by leading financial experts to help you control your debt, build a budget, and start living the life you want to live.

*APR varies from 10.90% to 17.90% when you open your account based on your credit worthiness. This APR is for purchases, balance transfers, and cash advances and will vary with the market based on the Prime Rate. Subject to credit approval. No Annual Fee. Other fees that apply: Cash advance fee of 1% of advance ($5 minimum and $25 maximum), Late Payment Fee of up to $25, Foreign Transaction Fee of 1% plus foreign exchange rate of transaction amount, $5 Card Replacement Fee, and Returned Payment Fee of up to $25. A First Financial membership is required to obtain a VISA Platinum Card and is available to anyone who lives, works, worships, or attends school in Monmouth or Ocean Counties.

Article Source: http://www.foxbusiness.com/personal-finance/2013/12/24/help-spent-too-much-on-holidays/

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Holiday Shopping Budgeting Tips

holiday_budget_630x420We’d like to thank everyone who participated in our Holiday Facebook Contest and shared your unique ways on how you budget yourself for holiday shopping. Congratulations to our Facebook Contest winner, Phyllis Ann Taylor, who earned a $75 VISA Gift Card for the holiday season. Here is what she shared:

“Set a firm budget that you can afford. Then list the gifts you need to purchase, remember to calculate wrapping, travel, luncheons, office grab bags, etc. If you start early and take advantage of coupons, etc. you will probably surprise yourself. Stop spending when you reach your limit and get creative! Give of yourself instead of gifting purchased items if necessary. Merry Christmas!”

We received so many great holiday budgeting tips so we thought we’d share them with everyone!

  • Barbara L.: I use the same list each year, adding or deleting as needed. I shop all year at sales for those items I know will be appreciated by the person who receives it. I don’t like to buy gifts just for the sake of giving a gift. I seek things special to their interests. I don’t buy for the youngsters until a few months before Christmas so I can decide upon that year’s “must have” for the children. Money is put in cards for the older children during the year so I don’t get a big hit in December.
  • Lisa B.: We make our list of those we buy gifts for and budget cash spending only, no credit cards, and no more than half of one month’s income.
  • Jennifer M.: I make my list early in the year. Starting in June I buy one gift per pay period. This allows me to stay debt free and not feel the pressure of it all coming out at once. Happy Holidays!
  • Susan R.: Our family makes a list of the most wanted items we would like for the holidays then use our holiday account that we’ve set aside and have continually paid into. We also shop around for sales and those pre-holiday deals like Black Friday or Cyber Monday to further help us save.
  • Francine O.: I shop for sales, use coupons, and to look for the best deals to save me money — that is how I budget myself for holiday shopping.
  • Teri S.: I’m fortunate in that I get “longevity pay” from work and that is my Christmas money!
  • Jamie D.: First Financial has become my newest bank with savings and checking accounts and I can’t wait to apply for the Visa credit card because it has great rates!!!
  • Alice W.: I use my First Financial Christmas Club. If I need any additional money, I use part of my income tax return. If I use my credit card I pay the Christmas expenses in full when the bill comes.
  • Melissa S.: I normally keep a list, and put a little bit away each pay check (pay cash for everything)! We also set limits with each other, so I can be budget conscious with everyone. I think next year I’ll open an FFFCU Christmas Club to help me budget even better!
  • Zanada J.: I give friends and family gift cards to stores that I know they enjoy shopping at AND coupons for that store. The best deals are ALWAYS after Christmas. Happy Holidays!
  • Tom S.: We utilize a Christmas Club account every year. The Christmas Club is our budget and it makes shopping a breeze.
  • Kelly Ann: I start writing my list in September and every pay period I spend a set amount of money on Christmas gifts. I do it little by little, so that I’m not relying on credit cards or putting myself in a bad financial situation, and I stick to the weekly budget that I set so that I don’t go overboard.
  • Susan C.: I use my First Financial Credit Union Christmas Club!
  • Terry D.: Budgeting is easy….you figure out how much money you have left after the bills are paid. Since we are on a “budget” for everything, birthday gifts and Christmas gifts all get factored in with the rest of the household expenses. One way or the other, everyone wins! Happy Holidays to everyone and especially my FFFCU family – my son has been blessed to have become a member through his auto loan, savings account and his Rutgers student loans as well. We will always remain a part of the best Credit Union there is!
  • Erin W.: I always open up a holiday club account in October every year with a certain amount and I only spend that amount. When I get the check in October I start then and just use that money and ONLY that money.
  • Patty B.: I set a certain dollar limit for each person’s gift and stick to it.
  • Margaret P.: I try to buy gifts that are practical and within budget. I allot an amount to spend on each recipient and stick to it because I don’t want to pay for Christmas long after the decorations are down.
  • Aggie R.: I set a reasonable dollar amount per child, all equal. Then I purchase one main item with that. No small cutesy, seasonal items I used to feel pressured to buy — it is all about the reason for the season! Last year I made homemade bath scrubs and that went over well with my daughters! I appreciate home made gifts and the effort it takes to make them.
  • Lynette B.: I never buy anything that is full price. I cut coupons, look for early bird specials, and I DO go shopping on Black Friday. I’m usually home by 8:00am with lots of bargains. My children are older so we really don’t go crazy at Christmas – they get everything they need during the year. I usually buy one large gift for each of my children and then a few little things. My husband and I don’t exchange, we save our money for a trip in the springtime to go visit both of our elderly parents who both live in Florida right around the corner from each other. For friends and other family members…I love to bake!!!
  • Joshua E.: I make sure I plan well ahead for all the shopping that I will do by setting a budget for all gifts, then searching for the best deals!
  • Stacy M.: I have a holiday club through First Financial that I set up years ago. It makes saving so much easier for the holidays!
  • Maria S.: It’s really hard to budget myself on shopping for my son so I don’t let myself go to the toy department in any store so I’m not tempted! The temptation is tough to fight!!!!
  • KellieRose W.: I don’t buy anything that is full price and I save gift cards all year to use for holiday shopping!
  • Susan P.: I save a certain amount every month so when December comes, I have what I need to buy the gifts I need.
  • Jennifer M.: Shop gradually don’t save it for last minute!
  • Paula P.: I start buying gifts early.
  • Joanne P.: I love the Direct Deposit to the Holiday Club and I love getting the money deposited right into my checking account in October! Makes shopping a lot easier!
  • Cindy W.: I save by not eating out as much!
  • Ann S.: I always budget myself very well and I never fall short of money because I have First Financial to fall back on. Happy Holidays to all of you.
  • Lois T.: I don’t buy more than I can pay off! First Financial’s easy to navigate web page makes it easy to keep track.
  • Ajane D.: I make sure I purchase all the necessities first and if I have extra money then I buy some new clothes or cosmetics. Last holiday I got an extra cash bonus from work and I gave some money to my mom. I always share because it makes me happy!
  • Laurie D.: My husband and I have 3 children and 1 granddaughter. In order for us to have enough money to purchase holiday gifts we start a savings club at the beginning of each year. Then we take what was saved and divide it amongst them. We try and purchase the things they need most. Although it’s a hard time of the year, we love Christmas and make the best of it.
  • Marcy V.: New this year, I put all my silver change into a big jar all year long. In November I turned it into cash at a machine. This year I netted $316.42. This will allow me to get at least seven or eight decent gifts (on sale of course)!
  • Michelle J.: List, limit, leave! Make a list for who you need to shop for, decide a dollar limit, leave the store once you get what is on your list so you are not tempted to impulse buy!
  • Jess E.: I budget myself by starting to shop before the holiday season so my wallet isn’t hit all at once!
  • Joe V.: I budget myself for holiday shopping by starting to buy some gifts as early as October through November. Then by December I have half of my shopping done, and know how much I’ll have in my budget for the up to the last minute shopping!
  • Joanne O.: I budget my holiday spending by always having a Holiday Club. I save $50-$100 per week and usually have enough left over to treat my husband and I to a little vacation also!
  • Pamela G.: Have been a credit union member since I began my career as an educator with the Toms River schools — loyalty with this credit union has its rewards. I do my Christmas shopping early and pace myself so that I don’t incur a huge debt. I always look for gifts for family and friends and buy when I see what is suitable for each person. This way I don’t feel a financial crunch all at once and it works for me.
  • Karen L.: I put $100 a month in my holiday savings so by October 1st I have $1200! I also buy gifts as I see them through the year – though I tend to spend more that way!
  • Debbie T.: I always have a First Financial Holiday Club and always stay within that budget, deciding ahead of time how much will be spent on each person.
  • Brownie’s Woodcrafts: My best plan involves participating in local craft shows to help shoppers buy great products made in the USA.
  • Saul H.: I budget for holiday shopping with sales, coupons, comparison shopping, rewards points, bargain hunting as a sport and saving on a regular basis to fund what I want to purchase.
  • Judy B.: I shop all year long and try to find the perfect gift for everyone. I splurge as long as I know it will make the recipient happy. Spreading the generosity throughout the year is a lot easier on my budget.

Be sure to follow us on Facebook and receive the most recent information about First Financial including monthly trivia, seminars, financial tips, event information, promotions, and so much more! Thank you again for participating and on behalf of everyone at First Financial we wish you all a very happy holiday season!

Affordable Holiday Gift Ideas

holiday-shopping-womenWant to buy for everyone on your holiday list, but don’t want to go broke while doing so? Here are some tips to keep your holidays fun yet affordable!

  • Make a list. Many people spend as they go, buying presents when they see them and end up surprised when the bills arrive in January. You can avoid this problem by creating a list in advance of who you plan to buy gifts for, and you should budget for each. Then, check this total against your holiday savings to decide if you need to adjust your spending.
  • Be creative. As you begin your shopping, remember that thoughtfulness really does count. Instead of searching for one expensive present, you may be able to save money, and give the perfect gift, by putting together a number of small items that relate to a loved one’s special interest. Someone who truly loves chocolate, for example, might appreciate a small basket full of treats you’ve chosen for them. Anyone with an interest in sewing or crafts could probably use a gift bag with a fresh stock of supplies for the new year. By putting together a lot of inexpensive items, you may be able to save money and show how much you care.
  • Hit the kitchen. If you are a good cook, or you simply have a foolproof recipe, gifts of food are inexpensive and very popular. Whether you give a mixture of great holiday cookies or your grandmother’s prize-winning banana bread, your friends and family are sure to welcome the effort. In fact, you might not need to cook at all. If you’re fortunate enough to have some great family recipes that have received compliments over the years, write them out on attractive cards and tie them with a festive ribbon. These great gifts will spread the joy of delicious cooking throughout your circle of friends.
  • Good deeds are gifts, too. Many of the people on your list may value a favor done for them more than any expensive present. Couples with young children would probably be delighted if you offer to babysit so they can have some time together. You can surprise a friend with a very busy schedule by promising to do the weekly shopping for a month. Present each recipient with a beautiful card describing the good deed to be performed. Such efforts cost nothing more than a few hours of your time, but they are greatly appreciated.
  • Check your list twice. First, plan and purchase all you need for the lower-cost presents recommended here. Then, when you move on to higher-priced presents, keep an eye out for sales and comparison shop to get the best prices. You may find you can get the items on your list for less.
  • Consult your financial planner. These ideas will help limit your spending during the busy holiday season. Your local financial planner can offer great advice on how to manage your money throughout the year. Be sure to turn to him or her for answers to all your financial questions. Financial planners promote personal and professional financial security all year round. If you would like to set up a no-cost consultation with the Investment & Retirement Center located at First Financial Federal Credit Union to discuss your brokerage, investments, and/or savings goals, contact us at 732.312.1565 or stop in to see us!*

Click here to view the article source.

*Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.

Protecting Yourself From Holiday Fraudsters

HolidayMailTheftThe holiday season is here and you’re beginning to spend your hard-earned money while shopping online, by phone, or in stores—and fraudsters are on the prowl, ready to steal your cash and personal information. Don’t let these criminals get away with ruining your financial security.

We encourage you to protect yourself against fraud now before it’s too late. Below are some easy strategies you can use to help better detect and avoid falling victim to fraud and identity theft.

  • Review Credit Reports at Least Once a Year. This will help ensure fraudulent accounts have not been opened using your personal information. Additionally, the Fair Credit Reporting Act entitles consumers to a free credit report once a year from each of the three nationwide credit reporting agencies. You can receive your report by contacting the credit reporting agencies directly or by visiting www.annualcreditreport.com.
  • Shred Documents with Personal and Financial Information. Financial statements, credit card offers and billing statements are examples of documents you should be shredding. Consider going to a local shred day in your area so you can safely discard your personal and financial records.
  • Monitor Financial Statements and Online Banking Regularly. You should get into the routine of checking your statements and periodically reviewing your account transactions and online activities. This will help identify unauthorized account activities early, preventing potential losses to your personal accounts.
  • Ensure Children Understand What Information to Provide Online. Fraudsters will often use a game or a free offer that will request personal information, or will include spyware to track and steal information from your computer or mobile device. Protect yourself by encouraging your children to limit online contact to friends they actually know, setting privacy controls to restrict access to private information, and enabling parental controls that allow access to only trusted sites. It is also a good idea to talk to your children about not giving out their name, address, date of birth, or any other personal information online without talking to you first.
  • Beware of Downloading Sneaky Apps. Smartphone or social networking applications may provide application developers with access to your personal information, such as messages, contacts, emails and photos. Often, this information isn’t related to the application’s purpose. Instead developers may share the information with marketers or other third parties. Be sure to read the privacy policy of each application before downloading to understand what private information you’re sharing.
  • Look Out for Scams Involving Social Engineering. Fraudsters may impersonate a credit union (or other legitimate organizations) to trick you into giving out personal account information. This social engineering tactic is often utilized as part of an elaborate scheme involving phone calls, emails, text messages and other forms of communication. Keep in mind that you should never reply to unsolicited telephone, email, text or pop-up messages asking for personal account information. It is important to understand legitimate organizations never ask for sensitive information over unsecured communication channels. Click here to view some important articles with tips and advice about how you can protect yourself from fraud. Remember, a fraudster’s greatest advantage is your lack of knowledge and awareness – so get educated!
Check out our ID Theft Protection products – with Fully Managed Identity Recovery services from First Financial, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored.
Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit. To learn more about our new ID Theft Protection products, click here and enroll today!*

* Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

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14 Tips to Avoid Cyber Monday Scams

cyber-monday-discountIn the frenzy of limited time offers, last minute sales and one-click shopping, it can be difficult to stay secure while you shop online, particularly on days like Cyber Monday (December 2nd, 2013).

Last year, consumers spent about 1.5 billion dollars on Cyber Monday, up 16% from 2011. Industry experts predict this season will see even more growth. Coupled with the boom in sales is a predicted increase in the amount and severity of online scamming and data theft.

Will Pelgrin, CEO of The Center for Internet Security (CIS), a non-profit organization focused on improving the cyber-security posture of both the private and public sector, shares a few helpful tips about staying secure online this season.

1. Don’t Click on Pop-up Ads

Though it may seem obvious, malicious pop-up ads still pose one of the largest threats to web shoppers. According to Pelgrin, studies have shown that a large amount of consumers will click on the “ad” regardless of its message. Be mindful of what pop-ups say, it could be evidence of a security threat.

2. Keep Software Up-To-Date

Though many systems automatically update your software as new features become available, it’s important to keep your programs as current as possible. To avoid security holes, update apps and software minimally once a week, as newer versions appear.

3. Use Strong Passwords

An essential part of online security in any sense is using strong passwords. This means no birthdays, dog names or variations of “1234” for any of your accounts. For help making a strong password, check out this guide: How to Create a Secure Password.

4. Install Antivirus and Anti-Spyware software

When shopping, you don’t want others to be able to track what sites you’re visiting and what information you’re entering online. If you need help choosing, check out this guide here: 5 Best Free Antivirus Software Options.

5. Enable ‘Timeouts’ on Mobile

According to Pelgrin, more and more consumers are doing the bulk of their holiday shopping on mobile phones. If you’re one of those consumers, make sure to enable a lock screen password, in case your device is lost or stolen. “If your phone isn’t timed out, you’re leaving the keys to your kingdom to whoever picks it up,” says Pelgrin.

6. Use a Secure Connection

Pelgrin recommends that any and all online financial transactions take place through a secure, private Wi-Fi connection, as opposed to using the more vulnerable free Wi-Fi in a coffee shop or library.

7. Avoid Email Advertisements

Your inbox is likely swarming with holiday promotions from all of your favorite (and likely least favorite) brands. To avoid being hacked, the CIS recommends you always enter the shop’s URL in your browser, rather than following the links contained in an email.

8. Shop at Companies You Know

Before you buy from a merchant on Amazon, Etsy or Ebay, check their rating and number of sales. Make sure they have good return policies and clearly posted contact information. If worried, you can always check on a businesses legitimacy through the Better Business Bureau.

9. Use Credit, Not Debit

“There are more security protections on your credit card that may not exist while using your debit card, should your info be taken,” says Pelgrin.

10. Ensure Your Site Is Secure

If you are entering your financial information on a webpage, make sure the URL begins with “https” as opposed to “http” or has a lock in your browser’s search bar.

11. Be Wary of Charity Sites

Though the holidays are frequently the most popular time to make donations to charity, Pelgrin urges consumers to check the legitimacy of your charity’s website.

“Fraudulent sites pop up during disasters and holidays like clockwork. Be alert,” he says.

12. Check Your Location and Privacy Settings

Many apps and websites will automatically share your GPS location by default. Sometimes, apps will change your settings once downloaded. Check what services your downloads have access to in your phone’s privacy settings.

13. Check Your Statements Frequently

According to Pelgrin, some hackers will do very low level theft once obtaining your information, charging small amounts to your credit card to avoid detection. Stay on top of your account statements and keep a record of how much you spend and where.

14. Add Browser Extensions and Security Apps

Pop-up blockers and malware detection extensions will add an extra layer to your security this season. For some free Internet security tools, check out this other article: 8 Best Free Tools for Internet Security.

Are you aware of our latest ID Theft Protection Services? First Financial’s latest ID Theft Protection products can easily be set up, there are options for setting up a credit score tracker, as well as a virtual vault to store your important documents and passwords online, and should an ID Theft incident occur – you’ve got an advocate on your side assisting you every step of the way. Ask us how to get started today!*

Happy Safe Shopping!

Click here to view the article source by Max Knoblauch of Mashable.

*Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The 
description herein is a summary and intended for informational purposes only and 
does not include all terms, conditions and exclusions of the policies described. 
Please refer to the actual policies for terms, conditions, and exclusions of 
coverage. Coverage may not be available in all jurisdictions.

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