17 ways to protect your money online in 2017 _ moneywise

You wouldn’t stick a note to your front door listing your mother’s maiden name, your credit card details, date of birth or password. Backup software for pc But every time you sign up to an e-newsletter or shop online, you’re increasing who has access to this personal information and losing control of its security. External hard drive backup software free If the data falls into the wrong hands, you’re opening yourself up to theft, identity fraud and other scams.

A way to test the password’s strength is via website howsecureismypassword.net. Open source backup software It’ll give you an estimated time it would take a computer to crack your password, from nanoseconds to a trillion years-plus, and offers hints on how to improve it.

It can be a nightmare to remember all your different login details.

Driver backup and restore software Writing them all down is itself a security risk if you were burgled, as is keeping them in an email account. Tape backup software This is where password managers, such as LastPass.com and Dashlane.com, can make a huge difference.

These online accounts store all your log-in details and protect them with a single master password. Driver backup software free download for windows 7 You can also automatically change your existing passwords to a random series of symbols, numbers and letters without having to visit the sites in question.

Both have plug-ins for Chrome and Safari browsers, and apps for mobile devices, to quickly input the complicated passwords you’ve created – once you’ve entered your master password.

These two services are free, though Dashlane requires a premium subscription (US$39 a year – about £32) if you want to synchronise across multiple computers and phones.

You can set up double authentication on many websites, adding an extra layer of security. Automatic data backup software free download You’ll be familiar with this if you bank online, as many require a code generated on a phone or separate device to log in or authorise payments.

You should also make sure the most important accounts have an alternative email address or phone number registered in case you are locked out and need to regain access.

Many email providers, including Yahoo and Gmail, allow you set up alias email addresses. Best backup recovery software For example, if your email address is Andy@yahoo.co.uk, you could create andy-newsletters@yahoo.co.uk for any newsletter you sign up to. Pc software backup Those emails would still arrive in your inbox, but your real email address won’t be shared out to marketeers and any potential hackers.

You need to ensure every bit of tech you use to access the internet is as secure as it can be. Software free backup Even if you’re the only person who uses your computer or phone, you need to add a password or passcode to use the device. Best backup software for servers Treat it as you would your PIN, meaning don’t share the details with friends.

Hackers hunt out vulnerabilities in the operating software of your devices and try to expose them. Backup schedule software Companies such as Apple and Microsoft will release patches when they are made aware of dangers, so it’s important you update software when prompted – just ensure you check it’s a legitimate source asking you to do so.

If you have Windows 8 or above you’ll have Windows Defender, while Windows 7 and Vista comes with Microsoft Security Essentials. Beste backup software You can buy premium antivirus software, but if you want a free one PC Advisor magazine recommends Avira.

Apple Mac computers are generally thought less vulnerable to viruses. Free server backup software This is partly because Microsoft Windows is used by a lot more people than the Apple Mac OS. Best backup image software Because more people use Microsoft Windows, it is a much better target and makes it easier for viruses to spread. Xp backup software However, as Apple Mac computers gain market share, virus infections are becoming more common than they used to be.

A recent threat to your computer is via ransomware software. Data backup and recovery software If this makes its way on to your computer, you could be locked out – unless you pay a ransom. Software untuk backup driver To protect against this, back up your computer regularly. Best pc backup software Having an up-to-date portable hard drive available will allow you to restore all your information from scratch should the worst happen.

If you aren’t expecting an attachment, don’t open it. Apps backup software Avoid clicking on any links too. Continuous backup software This isn’t just through email. Free backup software for external hard drive You could receive them via messaging apps, such as WhatsApp or Facebook.

One popular scam is for a person to cold-call your landline and claim they’re from Microsoft or TalkTalk. Auto backup software windows 7 They’ll claim your computer has been hacked and direct you to download a file, which will allow them to help you. Best free system backup software This is, of course, nonsense. Cd backup software The downloaded file will actually give the scammer access to your computer and the details held on it.

It is relatively easy to make a professional-looking website, so you need to look a little closer to ensure you’re on a legitimate site. Image backup software In the address bar, check for the letters ‘https’ at the start, and for a padlock symbol. Usb backup software This means you’re on a secure site.

There has been an increase in fraud where the email account of a solicitor or builder is hacked and new invoices are sent to clients. Best backup and recovery software Everything looks legitimate except for one small change – the bank details. Best free backup software Unfortunately, there is little protection if you move money to the wrong account, so clarify the details before you transfer money online.

It is easy to click the box “remember my details for next time” when shopping online, but you need to weigh up just how important one click shopping is to you. Software backup Putting your card details in each time will only take 30 seconds. Scheduled backup software A worthwhile trade when you consider the consequences.

If you do want to store card details, there is one trick to protect yourself. Software backup for pc Use just one credit card for every site. Free backup software for mac If an online account is compromised, you know you only have one card to cancel.

If you are using middleman sites, such as eBay or AirBnB, you might be asked to pay outside of the main website. Hard drive backup software free This would mean avoiding charges, but you’ll also lose protection if something goes wrong.

From TalkTalk to Yahoo to LinkedIn, we’ve seen some high-profile companies hacked and details made public. Free data backup software If you’ve used the same email and account for a number of years, there’s a good chance you’ve been caught up in one of the attacks.

If you find your details have been hacked or leaked, the first thing to do is to change your passwords. Best file backup software 2015 If you’re locked out, you may need to reset access first.

Then keep an eye on your financial records for any purchases you didn’t make and check your credit report for any applications that are made in your name. File backup software If money is taken, contact your bank immediately and alert Action Fraud.

So I signed up for LastPass and began to enter my main accounts. Email backup software My master password seems secure – Howsecureismypassword.net says it will take four billion years to crack, and there is a plug-in that prompts me to save details each time I sign into a new account, and it’s easy to cut and paste passwords from the secure ‘vault’.

I’ve put in around 30, but there are still dozens that need to go in, and plenty I’m sure I’ve forgotten on top. Backup software pc However, I’ve covered all the most important accounts, and I’ve easily changed each of the passwords through LastPass.

The master password becomes the only password you need to remember as once you use it to open your password manager, you can access any other log-in details you have saved there. Data backup software for android Just make sure you never use this master password for any other account.

Used by the holder to buy goods and services, credit cards also have a monthly or annual spending limit, which may be raised or lowered depending on the creditworthiness of the cardholder. Free backup software download But unlike charge cards, borrowers aren’t forced to pay the balance off in full every month and, as long as they make a stated minimum payment, can carry a balance from one month to the next, generating compound interest. Linux backup software As the issuing company is effectively giving you a short-term loan, most credit cards have variable and relatively high interest rates. Backup and disaster recovery software Allowing the interest to compound for too long may result in dire financial straits.