Computers are a significant investment, especially for those on fixed incomes. Fortunately, with proper care and maintenance, older computers can remain secure and functional for years. Let's address a concern from Connie in Rochester, Minnesota, who wrote to us about her older computer's vulnerability to hackers:

"I'm still using Windows 7 on my 2013 computer. It says I have Security Essentials, but I saw somewhere that it ended in 2023? When I click on it, it says it's scanning, but am I protected or not? I pay yearly for MSN extra and use an iPhone 14. All the worrisome reports make a senior citizen a little nervous. What's your advice? A new computer? Will your virus protection be compatible with my old computer? I'm not keen on spending more on a new computer on a fixed budget."

This question is relevant to many users with older computers. Let's dive deeper into the situation and provide some comprehensive advice for Connie and others in similar situations.

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Using Windows 7 does pose significant security risks. Since Jan. 14, 2020, Microsoft has stopped providing security updates and technical support for Windows 7. This means that any new vulnerabilities discovered in the operating system will not be patched, leaving your computer exposed to potential attacks.

Since the start of 2023, 47 vulnerabilities have been discovered in Windows 7. Cybercriminals actively target outdated operating systems because they're more likely to be unpatched and vulnerable. Without official support, Microsoft is no longer compelled to disclose formal vulnerabilities, making it harder for users to stay informed about potential security risks.

Connie, you mentioned that you have Microsoft Security Essentials installed. Unfortunately, this software also stopped receiving updates on January 14, 2020. While it may still scan your computer, it's not providing up-to-date protection against new threats.

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Given the security risks, it's advisable to take action. Here are some options to consider:

1) Upgrading your operating system or computer: While it’s possible to continue using Windows 7 with a third-party antivirus, it’s generally recommended to upgrade to a newer operating system for the best security. If your current computer meets the system requirements, you could consider upgrading to Windows 10 or even Windows 11. However, if a new computer isn’t in your budget right now, using a supported antivirus on your Windows 7 machine is a good step.

2) Install strong antivirus software: If upgrading isn't possible immediately, install a strong, reputable, up-to-date antivirus software that's compatible with Windows 7. However, keep in mind that this is a temporary solution and doesn't address all the vulnerabilities in the operating system itself. There are several antivirus programs that continue to support Windows 7. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

3) Consider a new computer: While it's understandable that you're on a fixed budget, investing in a new computer might be the most cost-effective solution in the long run. New computers come with the latest operating systems and security features, providing better protection against current threats. You can see our picks for a variety of laptop computers and desktop computers (at a variety of price ranges). If you decide to upgrade and get a new computer, check out how to securely get rid of your old PC or Mac.

HOW TO SAFEGUARD YOUR OLDER PC

You might be wondering if it's really that dangerous if you're careful about what you download. The truth is, even if you're cautious, you're still at risk. Modern malware can be incredibly sophisticated. There's a type of threat called a "persistent threat" that can hide on your machine indefinitely, continuously monitoring your computer and stealing information without you even knowing it.

The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

Let's address two other points you made in your email to us. Your iPhone 14 is not affected by the Windows 7 issue. Apple regularly updates its iOS software, providing security patches for supported devices. So, make sure your iPhone's software is up to date to ensure you have the latest security features. Here's how:

As for MSN Extra, while it may provide some additional features, it doesn't compensate for the lack of operating system security updates.

10 TIPS TO SPEED UP YOUR PC'S PERFORMANCE

Look, Connie, I know all this tech stuff can be overwhelming, but here's the deal: While we can't make your computer 100% hacker-proof, these steps will definitely up your security game. Keep your eyes peeled when you're checking emails or downloading stuff, especially if it's from someone you don't know. Now, about getting a new computer. I get it, it's not cheap. But think about it this way: It's like insurance for your digital life. The headache and costs of dealing with a hacked computer? Trust me, that's way worse. In this day and age, when we're all connected 24/7, keeping your digital self safe is super important. So, if you can swing it, seriously think about upgrading your system or getting a new computer with all the latest security bells and whistles. Bottom line? Taking these steps isn't just about protection. It's about giving yourself peace of mind every time you hop online. And let's face it, that's pretty priceless.

What are your biggest challenges when it comes to maintaining your devices and why? Share your tech hacks by writing to us at Cyberguy.com/Contact.

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There are companies whose entire business model is built around collecting personal data, including criminal records, employment details, addresses and more. They use this data to offer background check services to other businesses and individuals. However, while they profit from this information, they often fail to adequately protect it. Earlier this year, the National Public Data made headlines for failing to secure 2.7 billion records of people whose data it collected. Now, on a smaller scale, another data aggregator has exposed the personal information of 600,000 Americans.

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As reported by Website Planet, the exposed database contained 644,869 PDF files, totaling 713.1 GB of sensitive data. These documents mainly consisted of background checks but also included court records, vehicle ownership details such as license plates and VINs, and property ownership reports. The background checks alone revealed highly sensitive personal data, including full names, home addresses, phone numbers, email addresses, employment details, information about family members, social media accounts and criminal histories.

The worst part is that the database was left publicly accessible without password protection or encryption, allowing anyone to grab it. Anyone with the link could view and download the files. Plus, the files were named in a way that exposed personal details, using formats like "First_Middle_Last_State.PDF." This made sensitive information visible even without opening the files.

HERE’S WHAT RUTHLESS HACKERS STOLE FROM 110 MILLION AT&T CUSTOMERS

The database that exposed over 600,000 records belongs to SL Data Services LLC, an information research provider that appears to prioritize convenience over basic data security. The company operates a sprawling network of around 16 websites, including Propertyrec, which advertises real estate ownership data and property records. However, SL Data Services’ business goes far beyond property records, offering services like criminal background checks, DMV records and even birth and death records.

While Propertyrec promotes its affordability, claiming users can search for documents for as little as $1, customer reviews paint a different picture. Many users report being unknowingly enrolled in subscription services, resulting in recurring charges instead of the promised one-time fees. This predatory business practice raises further questions about the company’s ethics and transparency.

BEWARE OF ENCRYPTED PDFs AS LATEST TRICK TO DELIVER MALWARE TO YOU

The exposure of sensitive personal info in this breach is a big deal for the people involved. The database has detailed data about them, and that’s basically a jackpot for cybercriminals. This kind of leak can lead to various dangerous outcomes. 

For one, attackers could use this info to run phishing scams or social engineering tricks. If they know details like your job, family or even criminal history, they can send super convincing messages to trick you into sharing even more sensitive details, like your financial info. That’s not all. Criminals could also use this leaked data to impersonate someone and apply for loans, credit cards or other services in their name.

What really gets me, though, is that most people whose info got leaked probably won’t even find out about it unless they’re using a service to remove their data. A lot of them might not have even known they were being background-checked in the first place. For those with criminal records, this kind of leak could cause major reputational damage or lead to discrimination, even if the info is outdated or flat-out wrong.

We reached out to SL Data Services/Propertyrec for a comment but did not hear back before our deadline.

1) Remove your personal information from the internet: While no service can promise to completely erase your data from the internet, using a data removal service is one of the best steps you can take. They do the heavy lifting by actively scanning and removing your personal information from hundreds of websites. This helps protect you from scammers who may cross-reference data from breaches with other information they find on the dark web. Check out my top picks for data removal services here.

2) Be wary of mailbox communications: With your address exposed, bad actors could try to scam you through physical mail. They may impersonate companies or people you trust and send fake urgent letters about things like missed deliveries, account suspensions or security alerts. Be skeptical of unexpected communications and verify any claims before taking action.

3) Be cautious of phishing attempts and use strong antivirus software: The leaked data could lead to phishing attacks via email, phone calls or messages from unknown sources. Be on high alert for any requests for personal information, especially if they seem urgent or ask you to click on suspicious links. Always verify the legitimacy of any request before responding.

To protect your devices from malicious links, make sure you have strong antivirus protection. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

4) Monitor your accounts: Given the scope of this breach, it’s crucial to start regularly reviewing your bank accounts, credit card statements and other financial accounts. Keep an eye out for any unauthorized transactions and report them immediately to your bank or credit card company to prevent further damage.

5) Use strong, unique passwords: Create complex passwords for each of your online accounts and consider using a password manager to keep track of them securely.

6) Enable two-factor authentication (2FA): Implement this extra layer of security on all accounts that offer it to prevent unauthorized access.

7) Regularly update your software: Keep your operating system, apps and security tools up to date to protect against known vulnerabilities.

WHAT TO DO IF YOUR BANK ACCOUNT IS HACKED

It’s alarming how many companies profit from collecting personal data, yet fail to protect it adequately. Recent breaches, including one exposing the sensitive information of 600,000 Americans, highlight this negligence. With unprotected databases containing everything from criminal records to addresses, cybercriminals have a treasure trove of information to exploit. This situation underscores the urgent need for you to take proactive steps to safeguard your privacy and demand better security practices from these data aggregators.

Should companies face stronger penalties for failing to protect personal data? Let us know by writing us at Cyberguy.com/Contact.

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Phone hacking is a bigger deal than most of us realize, and it's something we all need to be aware of. Just the other day, Dennis sent an email sharing that he had a pretty unsettling experience with a suspicious text message that seemed to come from a friend's number. His story is a wake-up call for all of us to stay alert and informed. By understanding the signs of potential hacking, we can better protect ourselves and our loved ones from cyber threats.

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Dennis received a text from a friend that was unusually brief and out of character, simply asking, "Would you like to chat?" This raised immediate concerns, especially since the number appeared to be his friend's but wasn't recognized by Messenger as being in his contact list. Such scenarios often suggest phone number spoofing or hacking, where cybercriminals disguise their identity by using someone else's number.

HOW TO STOP ANNOYING ROBOCALLS

Understanding the signs of a compromised phone number is crucial for protecting your personal information and that of your friends. Here are some indicators that your friend's number might be hacked:

Unusual messages: If your friend starts sending texts that seem out of character – such as odd phrasing, unexpected links or requests for personal information – it could indicate their number has been hacked.

Unknown contacts: If Messenger says the number is not in your contact list when it actually is, it might indicate a problem.

Unexpected phone behavior: If your friend mentions their phone is acting strangely, they should look out for:

Unauthorized charges: If your friend’s phone bill shows unexpected charges, it can result from premium SMS services or calls made by malicious apps.

Spam sent from your friend's number: If you or other contacts receive spam or suspicious messages from your friend's number, it's a strong sign that their phone might be compromised.

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WHY AM I GETTING SPAM FROM MY OWN EMAIL ADDRESS AND HOW TO STOP IT

If you suspect your friend's phone number has been hacked, consider these actions:

1) Verify with your friend: Contact them through another method to confirm if they sent the message.

2) Check for malware using strong antivirus software: Advise your friend to use strong antivirus software to scan for malicious apps or malware on the device. The best way for them to safeguard from malicious links that install malware, potentially accessing their private information, is to have antivirus software installed on all their devices. This protection can also alert them to phishing emails and ransomware scams, keeping their personal information and digital assets safe. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

3) Change passwords: If your friend suspects their phone number has been hacked, they should change their passwords for all accounts linked to their phone number. They should consider using a password manager to generate and store complex passwords.

4) Contact service provider: Your friend should contact their mobile service provider to report the issue. The provider can help secure their account and prevent further unauthorized access.

5) Enable two-factor authentication: Encourage your friend to enable two-factor authentication nn their accounts for added security.

6) Monitor accounts: Advise your friend to regularly check their bank statements and credit reports for suspicious activity.

Phone hacking is a bigger issue than most people realize, and Dennis's recent experience is a stark reminder of that. It's crucial for all of us to stay vigilant and informed about the signs of potential hacking. By recognizing these warning signs and taking proactive steps, we can better protect our personal information and our loved ones from cyber threats.

Have you ever experienced a suspicious message or a potential hacking incident? Share your story with us and let us know how you handled it by writing to us at Cyberguy.com/Contact.

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Scammers have various methods when it comes to getting their hands on your phone number. You might think, "Well, what's the big deal? Isn't it easy to find someone's number these days, no matter what?" Yes. And if you've already had your fair share of telemarketers call you, maybe you feel like you've got it under control.

The problem is that scammers with the right knowledge and the wrong intentions can wreak havoc just by having your phone number in their possession. 

Once they do, they can use it to trick you in all sorts of ways. 

The good news is that by familiarizing yourself with their tactics, you can be one step closer to preventing yourself from falling victim to them. Here's what you need to know.

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In today’s digital age, your phone number is more than just a way for friends and family to reach you. It can be a gateway for scammers to access your personal information and wreak havoc on your life. From phishing attempts to extortion, the risks are numerous and varied. Here are nine ways scammers can exploit your phone number if it falls into the wrong hands:

Scammers can also use your phone number to launch rather easy phishing attacks. They might send text messages or make calls posing as your bank or a popular online service that you subscribe to. The goal is to call you and trick you into providing login credentials, credit card details or other personal information, which they can then use for fraudulent activities. And once they have all your other information, they can do a lot more damage just by having your phone number as that initial segue.

In some cases, scammers use your phone number for extortion or blackmail. They may claim to have compromising information about you and demand payment to keep it private. By contacting you directly, they can apply continuous pressure, making their threats seem more real and immediate.

One unique way they do this to target elderly people is by pretending to be your grandchild or another relative in distress. The scammer often claims that your grandchild is in an emergency situation — such as needing bail money or medical assistance — and urgently requests financial help. With AI voice cloning technology, they may even be able to use your grandchild's voice. This emotional manipulation usually gets the victim to pay up.

This one may not be as dramatic, but your phone number can be sold to robocall and spam message services. These automated systems bombard you with unwanted calls and texts, often promoting scams or fraudulent products. While these may seem like minor annoyances, they can lead to bigger scams if you engage with the messages or follow their instructions. Hang up on them.

HOW TO STOP ANNOYING ROBOCALLS

Phone number spoofing is a common tactic where scammers disguise their caller ID to appear as a trusted contact by calling from what appears to be a familiar number as it may have the same area code where you live, an area code where your friends or family live or even the actual phone number of someone close which you can recognize.

This makes it more likely that you'll answer the call, giving them the opportunity to deceive you into revealing personal information or transferring money. This is, of course, the case when phone spoofing is used against you. But in situations where they use YOUR phone number, they can be scamming those close to you without you even knowing!

With these phone spoofing tactics, scammers can use your phone number to impersonate government officials, such as IRS agents or Social Security administrators. They may call you claiming there’s an urgent issue, like unpaid taxes or suspicious activity involving your Social Security number. This ploy often involves threats of legal action or arrest to pressure you into providing sensitive information or making immediate payments.

Instead of pretending to be from a government agency, another trick is for scammers to try their luck by posing as a representative from a utility company, like an electric or water company. Scammers will claim that you have an overdue invoice and threaten to cut off your service unless you pay immediately. Using your phone number, they can contact you repeatedly, making the scam seem more legitimate (and pressing).

SIM swapping or a port-out scam is when scammers transfer your phone number to a new SIM card in their possession. By convincing your mobile carrier to reroute your number, they can receive all your calls and messages, including those containing two-factor authentication codes. This allows them to bypass security measures and take over your online accounts.

WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

With SIM swapping techniques/port-out, scammers can also use your phone number as a key to access sensitive data stored in your online accounts. By initiating password resets and intercepting verification codes sent via SMS, they can gain unauthorized access to your email, social media and banking accounts, leading to significant personal and financial damage.

Finally, scammers can use all the tactics above to not only access the accounts you already have but also create fake online accounts in your name. These accounts can be used for a variety of malicious purposes, such as spreading malware, launching further scams or conducting identity theft. The presence of your phone number makes these accounts appear more legitimate, increasing the chances of deceiving others.

10 SIMPLE STEPS TO IMPROVE YOUR SMARTPHONE'S SECURITY AND PRIVACY

To protect your phone number from falling into the hands of scammers, here’s what you can do:

1. Be cautious about sharing your phone number publicly: Avoid posting your phone number on public forums, websites or social media platforms where it can be easily accessed by scammers.

2. Limit exposure of your phone number on social media and other online platforms: Use privacy settings to restrict who can see your contact information. Most social media platforms and online services offer privacy settings that allow you to control who can view your personal information. Make sure to review and adjust these settings regularly. Only share your phone number with trusted contacts.

3. Consider using a secondary number for online registrations and transactions: Services like Google Voice can provide you with a secondary number that you can use for online activities, keeping your primary number private.

4. Monitor your accounts regularly for unusual activity: Check your bank accounts, email and other online accounts for any signs of unauthorized access or suspicious activity.

5. Have strong antivirus software: The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

6. Use two-factor authentication apps instead of SMS-based verification where possible: Two-factor authentication (2FA) provides an extra layer of security that is more difficult for scammers to bypass compared to SMS-based verification.

7. Use an identity theft protection service: Identity theft companies can monitor personal information like your Social Security number, phone number and email address and alert you if it is being sold on the dark web or being used to open an account.  They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals. 

One of the best parts of using some services is that they might include identity theft insurance of up to $1 million to cover losses and legal fees and a white glove fraud resolution team where a U.S.-based case manager helps you recover any losses. See my tips and best picks on how to protect yourself from identity theft.

8. Remove your personal information from the internet: While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice.  They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet.  By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with the information they might find on the dark web, making it harder for them to target you. Check out my top picks for data removal services here. 

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If you suspect that scammers already have your phone number, take the following steps:

Contact your mobile carrier to alert them of the scam calls, especially if they come from the same number. Your carrier may be able to block the number or provide additional security measures.

Consider changing your phone number if the issue persists: If scam calls continue despite your efforts, changing your phone number may be the best solution.

Report any suspicious activity to the appropriate authorities: Contact your local law enforcement or consumer protection agency to report scams and seek advice on further actions.

Consider placing fraud alerts on your accounts: Fraud alerts can help protect your credit and financial accounts from unauthorized access.

Monitor your phone for unusual calls or messages: Keep an eye out for any unexpected calls or messages, and do not respond to them.

Check your phone bill for unauthorized charges: Regularly review your phone bill to ensure there are no unexpected charges, which could indicate that your number has been used fraudulently.

By following these steps, you can significantly reduce the risk of falling victim to phone number scams and protect your personal information.

RECLAIM YOUR PRIVACY BY DISABLING YOUR CELL PHONE CARRIER'S DATA TRACKING

Scams have become much more sophisticated these days, especially with artificial intelligence, making it easier for scammers to target more people and get away with it. Always be wary of a scam. If you think something seems strange, it's probably best to go with your gut.

Have you ever experienced a scam involving your phone number? If so, how did you handle it? Let us know by writing us at Cyberguy.com/Contact

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Black Friday is around the corner, and by the time you finish your Thanksgiving leftovers, Christmas will already be knocking. That might be an exaggeration, but what’s not is the rise in impersonation scams as the holiday season approaches. 

With shopping in full swing, Amazon becomes an especially big target. Expect to see bad actors pretending to be trusted contacts, trying to access sensitive information like Social Security numbers, bank details or Amazon account credentials.

To help you enjoy a scam-free shopping experience this holiday season, we spoke with Scott Knapp, VP of Worldwide Buyer Risk Prevention at Amazon, to learn how scammers impersonate the platform, what Amazon is doing to fight holiday scams and how you can stay safe.

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Amazon is the world’s largest e-commerce platform, and it becomes even more relevant during the holiday season. With so many of us hunting for deals, scammers are well aware and ready to take advantage. They often use impersonation scams to trick shoppers into handing over card details or other sensitive information.

"During the 2023 holiday shopping season (Black Friday through Christmas Day), the most commonly reported impersonation scam by Amazon customers involved fake order or shipping confirmations claiming that payment was required in the U.S. There was nearly a 1.5x increase in reports of this scam from three weeks prior," Knapp said. 

Another common impersonation scam around this time involves fake purchase alerts for popular tech products. Knapp said that Amazon saw about a 13x spike in customer reports compared to three weeks earlier.

HERE’S WHAT RUTHLESS HACKERS STOLE FROM 110 MILLION AT&T CUSTOMERS

It’s clear that many scammers are trying to target Amazon customers, so I wanted to understand what the company is doing to keep them safe. I asked Knapp a bunch of questions about how the e-tail giant is staying ahead of the latest online holiday scams, and you can read his responses below.

How is Amazon working to take down phishing websites and phone numbers used in impersonation schemes?

"Our goal is to ensure that customers are protected when they shop on Amazon. That is why we are initiating the takedown of scammers with public-private partnerships to hold bad actors accountable. We have a team – including machine learning scientists and expert investigators – who protect our store and consumers from fraud and other forms of abuse.

"In 2023 alone, we initiated takedowns of more than 40,000 phishing websites and 10,000 phone numbers being used as part of impersonation schemes. We can take down reported scam phone numbers the same day and phishing websites in just a couple of hours. We also partner with law enforcement across the globe to ensure scammers are held accountable, including having referred hundreds of bad actors to authorities."

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Can you explain how Amazon's email verification technology helps identify phishing attempts?

"We’ve made it harder for bad actors to impersonate Amazon communications through implementing industry-leading tools, including the adoption of a secure email capability to make it easier for customers to identify authentic emails from Amazon and avoid phishing attempts. Customers using Gmail, Yahoo, and other common email providers can be confident that when they receive an @amazon.com email with the smile logo in their inbox, that email is really from us."

Can you explain Amazon's A-to-z Guarantee and how it protects holiday shoppers?

"More than 60% of sales in Amazon’s store are from independent sellers—most of which are small and medium-sized businesses—providing a vast selection of amazing products, competitive prices, and convenience for consumers. When customers shop in the Amazon store, they can do so with peace of mind knowing that we stand behind the products sold in our store with the A-to-Z Guarantee.

"When a claim is filed, Amazon combines our advanced fraud and abuse detection systems with external, independent insurance specialists to analyze filings, take on the investigative work for our selling partners, present valid claims, and deny unsubstantiated, frivolous, or abusive claims. By doing this work on behalf of sellers, we save them from having to investigate these claims on their own. Innovating this process enables customers to shop confidently, which in turn drives selling partner success.

"Amazon’s protection applies to physical products purchased in our store worldwide, and in the unlikely event that customers experience issues with timely delivery or the condition of their purchase, whether purchased from Amazon or one of our approximately two million selling partners, Amazon will make it right by refunding or replacing it. Whether during the holiday shopping season, or anytime throughout the year, customers can confidently shop Amazon’s vast selection of amazing products with the A-to-z Guarantee."

BEWARE OF ENCRYPTED PDFs AS THE LATEST TRICK TO DELIVER MALWARE TO YOU

1. Watch out for red flags: Some telltale signs of an impersonation scam include requests for account or payment information and creating a false sense of urgency. Amazon will never ask for your password, payment or bank transfer through phone, email or any external website. Scammers might reference a purchase (real or fake), a giveaway, a prize or claim that "your account is locked," urging you to click a link, make a payment or buy a gift card.

2. Verify the email: For any questions related to an order, always check your order history on Amazon.com or via the "Amazon Shopping" app. Only legitimate purchases will appear in your order history. If you are ever unsure about the legitimacy of an email, go to Amazon’s website or app to access the Message Center and review authentic communications.

In addition, you should always check the sender’s email address by hovering over the "From" name and verify it’s a genuine Amazon email, which will come from "@amazon.com."

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3. Beware of phishing links: Avoid clicking on random links, especially in messages about shopping deals, order confirmations or account issues. Scammers often use fake links to mimic legitimate retailers and steal your information. 

The best way to safeguard yourself from malicious links is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.

Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

4. Don’t fall for "too good to be true" offers: Scammers often lure victims with irresistible deals, such as huge discounts on popular products or "exclusive" offers. If an offer seems too good to be true, it probably is. These offers might be tied to fake websites or phishing attempts designed to steal your personal and financial details. Always double-check the legitimacy of any deal before making a purchase. If you’re unsure, visit the official Amazon site or app to search for the product and compare prices.

5. Use a personal data removal service: Scammers can obtain your information from various online sources, including data brokers, people search sites and public records. Using a data removal service can help reduce your digital footprint, making it harder for scammers to access your personal information. This proactive step can be crucial in preventing identity theft and minimizing the chances of falling victim to scams during the busy holiday season.

While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time. Check out my top picks for data removal services here.

6. Report suspicious activity: If you encounter an impersonation scam, your best course of action is to report it to Amazon. Knapp says, "The more consumers report scams to us, the better our tools get at identifying bad actors so that we can take action against them and protect consumers. If consumers suspect that they have encountered a scam, they can report suspicious communications to us at amazon.com/ReportAScam, so that we can protect their accounts and refer bad actors to law enforcement to help keep consumers safe."

WHAT TO DO IF YOUR BANK ACCOUNT IS HACKED

Scammers will do their best to ruin your holiday season, but most of their tactics can be easily avoided with the right tools and a little common sense. Be cautious of unsolicited texts, emails or phone calls offering deals, discounts or asking for your personal information. If you're shopping on Amazon, track everything through the Amazon app and reach out to their customer support for any concerns or questions.

What features or tools do you wish online retailers would implement to enhance customer security during peak shopping times? Let us know by writing us at Cyberguy.com/Contact.

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Many of us use Spotify every day, whether to listen to songs, podcasts or audiobooks. Some of us create playlists of our favorite songs, while others save playlists made by others. 

In case you didn’t know, Spotify allows you to create public playlists that anyone can save and listen to. You’d think this is a harmless feature, but spammers have found a way to misuse it. 

They’re using Spotify playlists and podcasts to push pirated software, game cheat codes, spam links and malware sites. I’ll discuss the details of this emerging online scam and share tips on how to stay safe.

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As reported by BleepingComputer, this scam works by misusing Spotify’s popularity and trustworthiness. Scammers exploit Spotify playlists by injecting targeted keywords, such as "free download," "crack" or "warez," into titles and descriptions. 

These keywords are designed to align with popular search terms. Since Spotify’s web player pages are indexed by search engines like Google, these spammy results appear in user searches, driving traffic to their links. For example, a Spotify playlist titled "Sony Vegas Pro 13 Crack…" was found promoting "free" software sites in its title and description, directing users to questionable external links.

The scam isn’t limited to playlists. It extends to podcasts as well. Scammers create podcasts with multiple short episodes, typically under 20 seconds, using synthesized speech to direct listeners to click links in the description for free content. These podcasts often target users searching for pirated ebooks, audiobooks or game cheats. While the content may appear legitimate at first glance, clicking on the links often results in being redirected to unsafe pages that further exploit users.

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The main goal of this scam is to use Spotify’s trusted reputation and search engine visibility to get people to click on shady links and visit sketchy websites. Scammers make money through fake ad clicks, bogus surveys and affiliate links, while also spreading malware by tricking users into downloading harmful software or extensions. 

They also try to steal personal info through fake sign-up forms or phishing pages, which can lead to identity theft or be sold to others. By using Spotify’s indexed pages, they boost the search rankings of their spam sites, reaching more people. Some of these sites even run extra scams like fake crypto giveaways or phishing attempts to grab even more money or data from unsuspecting users.

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1. Avoid clicking on suspicious links: Be cautious when you come across playlists or podcasts with titles like "Sony Vegas Pro 13 Crack" or other promises of free software, audiobooks or game cheats. These often include links in the description that redirect to unsafe sites hosting malware, adware or phishing pages.

The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

2. Stick to official sources: Always download software, eBooks or other digital content from trusted official websites or reputable platforms. If you see a Spotify playlist or podcast offering "free" versions of paid content, it’s likely a scam. Cross-check the legitimacy of the content through known channels instead of relying on unverified links.

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3. Use strong, unique passwords: Create complex and unique passwords for your Spotify account and avoid using personal information like birthdays or pet names. Consider using a password manager to generate and store complex passwords.

4. Be skeptical of synthesized speech and short episodes: Many scam podcasts feature short episodes (10-20 seconds) with synthesized speech directing you to click on a link in the description. These are a common tactic used to trick users into visiting unsafe pages. If the content feels automated, vague or overly promotional, it’s best to avoid it.

5. Verify curator credentials: Check the credentials of playlist curators. Legitimate curators usually have a verifiable online presence. If you can't find any information about them, it's best to avoid engaging with them.

6. Recognize phishing attempts: Be cautious of emails claiming to be from Spotify that ask you to confirm account details or click on suspicious links. These are often phishing attempts designed to steal your credentials.

7. Report and block suspicious content: If you come across playlists or podcasts that seem fraudulent or inappropriate, report them directly to Spotify. Use Spotify’s reporting tools to flag content that violates its platform rules. Blocking suspicious accounts or playlists also ensures you won’t accidentally interact with them in the future, and reporting helps Spotify improve its filtering and moderation systems.

HOW TO REMOVE YOUR PRIVATE DATA FROM THE INTERNET

Scammers will use any means possible to trick you. In the past, we’ve seen bad actors weaponize Google search results with malicious websites that install malware when links are clicked on. There have also been plenty of SEO scams targeting users. Companies like Spotify need to implement measures to prevent their platforms from being misused by scammers. Google also has a responsibility to ensure the quality of its search results. Just because a webpage comes from a well-known organization doesn’t mean it deserves to rank highly on the search results pages.

Do you think platforms like Spotify and Google are doing enough to prevent scams, or could they improve? Let us know by writing us at Cyberguy.com/Contact.

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With the holiday season just around the corner, many of us are gearing up to spread some cheer with gift cards. 

However, it’s important to remember that these convenient gifts are also a favorite target for scammers. We're going to break down six sneaky gift card tricks that could leave you out of pocket during this time of year. 

Don’t worry, though. We’ve got your back with solid tips on how to outsmart these scammers and keep your hard-earned cash safe.

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One of the latest gift card tricks involves tampering with the gift cards on the display racks at retail stores. Scammers will record the activation code on the card or place a custom barcode sticker over the real barcode, which allows them to secretly load the cash onto their own card immediately after you purchase the gift card. This means that when you or your recipient try to use the gift card, it will be empty or invalid.

Check the packaging of the gift card before buying it. Look for signs of tampering, such as the wrapping being torn or resealed or stickers placed over the barcode or card number. Also, choose a card from the back of the rack, as scammers often place their fraudulent cards at the front of the display.

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Another common gift card trick scammers use involves impersonating someone you know or trust, such as a family member, a romantic interest, a company or the government. Scammers will contact you by phone, text, email or social media and create a fake story or emergency that requires you to send them money urgently.

They will ask you to buy a gift card or multiple gift cards and then send them a photo of the card or the numbers on the back of the card. Once they have the gift card information, they will disappear with your money and cut off contact.

Never send money or gift cards to anyone you don’t know personally or haven’t met in person. If someone claims to be someone you know or trust, verify their identity by contacting them directly through a different channel.

Don’t trust caller ID, as scammers can spoof phone numbers. Don’t be pressured by threats or promises, as scammers use emotional manipulation to get you to act quickly and without thinking. And remember, no legitimate company or government agency will ever ask you to pay them with a gift card.

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Another gift card trick involves buying or selling gift cards on online platforms, such as websites, apps or social media groups. Scammers will offer to sell you gift cards at a discounted price or buy your unwanted gift cards for cash.

However, they will either send you a fake or empty gift card or take your gift card information and money without sending you anything in return. They may also use stolen credit cards or hacked accounts to buy or sell gift cards, which can put you at risk of fraud or identity theft.

Only buy or sell gift cards from reputable sources, such as official retailers, authorized resellers or trusted friends and family. Avoid buying or selling gift cards from strangers online, especially if they offer a deal that sounds too good to be true.

Don’t share your gift card information or personal details with anyone you don’t know or trust. And use a secure payment method that offers protection, such as a credit card or PayPal, instead of a gift card, wire transfer or cash.

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A very popular gift card trick this holiday season involves phishing, which is a type of online fraud that tries to trick you into revealing your personal or financial information. Scammers will send you an email, text or pop-up message that looks like it comes from a legitimate company, such as a retailer, bank or tech support service.

They will claim that there is a problem with your account, your order, your device or your security and that you need to verify your identity, update your information or fix an issue. They will then ask you to click on a link, open an attachment or call a number and then request that you pay them with a gift card or provide them with your gift card information.

Never click on links, open attachments or call numbers from unsolicited messages, as they may lead to fake or malicious websites or software. Don’t provide any personal or financial information, such as your passwords, PINs, account numbers or gift card numbers, to anyone who contacts you unexpectedly.

Don’t trust messages that create a sense of urgency, pressure or fear, as they are designed to make you act without thinking. If you have any doubts about the legitimacy of a message, contact the company directly using a verified website, phone number or email address.

Using antivirus protection will help to protect you against scammers and hackers who try to steal your money and personal information using gift card tricks, especially through phishing. The best way to protect yourself from clicking on any malicious links, fake websites, phishing emails and text messages is to have strong antivirus protection installed and actively running on all your devices. It’s the best to help stop and alert you of any malware in your system and ultimately protect you from being hacked. 

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This gift card trick involves loyalty programs, which are rewards programs that offer you points, discounts or freebies for being a loyal customer. Scammers will pretend to be representatives of a loyalty program that you are a member of or that you are eligible to join.

They will tell you that you have won a prize, sweepstakes or a promotion and that you need to pay a fee, a tax or a shipping cost to claim it. They will then ask you to pay them with a gift card or provide them with your gift card information.

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Be wary of any unsolicited offers or notifications that claim that you have won something, especially if you don’t remember entering or signing up for anything. Don’t pay any money or fees to receive a prize, as legitimate loyalty programs will never ask you to do that. Don’t provide any personal or financial information, such as your passwords, account numbers or gift card numbers, to anyone who contacts you unexpectedly.

Don’t trust messages that create a sense of excitement, curiosity or greed, as they are designed to make you act impulsively. If you have any doubts about the legitimacy of a message, contact the loyalty program directly using a verified website, phone number or email address.

In this scam, fraudsters set up fake websites or phone services that claim to check the balance of your gift cards. Victims are lured into providing their gift card numbers and PINs under the guise of verifying their balance. Once the information is entered, scammers can drain the funds from the card almost immediately.

To avoid this scam, always use official websites or apps from reputable retailers to check your gift card balance. Be wary of unsolicited calls or messages asking for your gift card information, especially if they claim to be from a legitimate company. It is important never to enter your gift card details on unfamiliar websites.

HOW TO FIGHT BACK AGAINST DEBIT CARD HACKERS WHO ARE AFTER YOUR MONEY

Below are some next steps if you find you or your loved one is a victim of identity theft as a result of a gift card trick by scammers or hackers.

1. If you can regain control of your accounts, change your passwords and inform the account provider.

2. Look through bank statements and checking account transactions to see where outlier activity started.

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3. Use an identity theft protection service: Identity theft companies can monitor personal information like your Social Security number, phone number and email address and alert you if it is being sold on the dark web or being used to open an account. They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals. Some of the best parts of using an identity theft protection service include identity theft insurance to cover losses and legal fees and a white-glove fraud resolution team where a U.S.-based case manager helps you recover any losses. See my tips and best picks on how to protect yourself from identity theft.

4. Report any breaches to official government agencies like the Federal Trade Commission and the gift card company.

5. Get the professional advice of a lawyer before speaking to law enforcement, especially when you are dealing with criminal identity theft and if being a victim of criminal identity theft leaves you unable to secure employment or housing.

6. Alert all three major credit bureaus and possibly place a fraud alert on your credit report.

7. Run your own background check or request a copy of one if that is how you discovered your information has been used by a criminal.

If you are a victim of identity theft because of a gift card scam, the most important thing to do is to take immediate action to mitigate the damage and prevent further harm. 

As we head into the holiday season, it’s important to keep an eye out for these six gift card scams we’ve talked about. If something feels off or sounds too good to be true, trust your gut and don’t be afraid to ask questions or walk away. Gift cards are meant to bring joy, not stress, so keep these tips in mind as you shop and share this season.

Have you ever fallen victim to a gift card scam? If so, how did it happen, and what did you do? Let us know by writing us at Cyberguy.com/Contact.

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There are a variety of reasons why you could be locked out of your Facebook account. Such reasons can range from the mundane (forgetting your password) to the worst case scenario (being hacked or banned). Whatever the reason for being locked out of your Facebook account, there are different steps you can take to get back into your Facebook account.

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Unless you’ve got a reliable password manager, you’re likely to forget your password once in a while. In order to gain access to your Facebook account without remembering your password, you would need to follow the steps below:

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If you’ve, unfortunately, been hacked, you have to follow different steps to access your account. Below are the steps to recover your account if your Facebook account has been hacked:

You may realize a hacker has taken over your account if you can’t log in, or you may notice some red flags while still logged into your account, like posts you didn’t create or friends letting you know you've been hacked. You may also notice that your account details, such as your name, birth date, etc., have been changed.

If you know you've been hacked, and you've been signed out of your account:

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If you've tried the above method, and you're still locked out of your account, it could be because the hacker has changed the email address and other verification information on file, which means any reset password links after that will go to them.

The good news is that you can reverse this. When the hacker changes the email, Facebook sends a message to the previous email account with a special link to verify, aka your email. Search your inbox for an email from Facebook. Then, you can click this link to reverse the email change and follow the steps to secure your account.

If you cannot access the phone number or email associated with your Facebook account (perhaps because the hacker has also compromised your email).

Facebook also allows friends to help each other recover their accounts. This is also true if your friend has passed away or is incapacitated and can no longer use their Facebook. By doing this, you help prevent hackers from taking over a vulnerable account. The steps you'd take, though, depend on the situation. For instance, there are cases where hackers create fake profiles to impersonate you.

Getting back access to a hacked account is our No. 1 question. However, if you've tried the above, and it doesn't work, there is currently no other way to get in touch with Facebook. Therefore, because of that, you should follow our tips to secure your Facebook account. Whether you get back into your account or end up creating a new one, you must take all the steps you can to secure your account to prevent hackers from getting in:

1) Visit Facebook's Privacy, Safety and Security settings in the Help Center.

2) Consider keeping your account as private as possible.

3) Be sure to use a strong password that you aren't using for other accounts. Consider using a password manager to generate and store complex passwords.

4) Under your account settings, set up 2FA via SMS. This means if someone changes your email or phone number, at least one of the methods can help you get back in.

5) Log out from your Facebook account when you access it on a public or friend’s device.

6) Don’t share your login details with anyone, not even friends or relatives.

7) Don't click on suspicious links or posts. The best way to protect yourself from clicking malicious links that install malware that may access your private information is to install antivirus protection on all your devices. This can also alert you of any phishing emails or ransomware scams. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

8) Frequently do software updates on your device to prevent malware from getting in.

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Whether you’ve forgotten your password or gotten hacked, recovering access to your Facebook account doesn’t have to be hard. Facebook has multiple ways to access your account with appropriate security measures in place so that unscrupulous people don’t try to use these methods to compromise your existing Facebook account. Even though it may feel like an annoying extra step, setting up the multifactor authentication option for your Facebook account can keep your account even more secure.

What features or tools do you wish Facebook would implement to make account recovery easier or more secure for users? Let us know by writing us at Cyberguy.com/Contact.

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Protecting your financial future goes beyond smart investing and saving. It's crucial to safeguard your retirement accounts from cyber threats. While many believe that using public Wi-Fi to check their 401(k) or IRA is harmless, the reality is that without proper protection, you could be putting your hard-earned savings at risk. Let's explore why using a VPN (virtual private network) is essential for securing your retirement accounts and how you can implement this extra layer of security.

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VPNs operate through two primary mechanisms: IP address masking and data encryption. When you connect to a VPN, it hides your real IP address by assigning you a new one from their server network, effectively preventing websites and cyber criminals from tracking your location or identifying you based on your IP address.

Simultaneously, VPNs encrypt all data transmitted between your device and the internet, rendering it unreadable to anyone who might attempt to intercept it. This encryption process ensures that sensitive information, such as credit card details, remains confidential throughout your online activities. By combining these two powerful features, VPNs create a secure tunnel for your internet traffic, significantly enhancing your online privacy and security.

When you access your retirement accounts online, especially through public Wi-Fi networks, you're potentially exposing sensitive financial information to cybercriminals. These hackers can intercept your data, steal your login credentials and potentially drain your accounts. What's more concerning is that retirement accounts are often less frequently monitored than regular bank accounts, making them an attractive target for cybercriminals.

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By creating an encrypted tunnel for your internet traffic, a VPN makes it extremely difficult for hackers to intercept your sensitive data. Here's a deeper look at why VPNs are indispensable for safeguarding your retirement accounts:

VPNs employ military-grade encryption protocols, such as AES-256, to scramble your data. This means that even if a cybercriminal manages to intercept your information, it would appear as an indecipherable jumble of characters. For your retirement accounts, this translates to an extra layer of security for your login credentials, account numbers and financial transactions.

By masking your IP address and replacing it with one from their servers, VPNs make it significantly harder for malicious actors to track your online activities. This anonymity is crucial when accessing financial accounts, as it prevents cybercriminals from identifying you as a high-value target based on your browsing habits or the financial institutions you visit online.

The ability to check your accounts while traveling or using public Wi-Fi is convenient but risky. A VPN provides a secure connection, essentially creating a protected tunnel between your device and the financial institution's servers. This is particularly important for retirement accounts, which may not have the same level of fraud protection as checking or savings accounts. However, check if your retirement fund platform permits VPN usage, as some might flag it as unusual activity. 

VPNs are excellent safeguards against man-in-the-middle attacks, where hackers position themselves between you and the website you're trying to access. By encrypting your data from end to end, VPNs make it nearly impossible for attackers to insert themselves into your connection and steal your information.

If you're traveling abroad and need to access your U.S.-based retirement accounts, some financial institutions may block access from foreign IP addresses. A VPN allows you to connect through a U.S.-based server, ensuring you can manage your accounts securely from anywhere in the world.

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To ensure the security of your retirement accounts, follow these steps:

1) Choose a reliable VPN: Select a reputable VPN service with strong encryption protocols. For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android and iOS devices.

2) Always use VPN on public Wi-Fi: Never access financial accounts on public networks without activating your VPN first.

3) Enable two-factor authentication (2FA): Add an extra layer of security to your accounts by enabling 2FA.

4) Use strong, unique passwords: Create complex passwords for each of your accounts and consider using a password manager. Consider using a password manager to generate and store complex passwords.

5) Regularly monitor your accounts: Check your retirement accounts frequently for any suspicious activity.

6) Keep software updated: Ensure your devices and apps are always up to date with the latest security patches.

7) Be wary of phishing attempts: Don't click on suspicious links or provide personal information in response to unsolicited emails. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have strong antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

HOW TO REMOVE YOUR PRIVATE DATA FROM THE INTERNET

Securing your retirement accounts is not just about protecting your current savings; it's about safeguarding your future. By implementing a VPN and following best security practices, you're taking proactive steps to ensure that the nest egg you've worked so hard to build remains safe and secure. Remember, the small investment in a quality VPN service is negligible compared to the potential losses from a compromised retirement account.

Have you ever experienced a security breach? If so, what happened, and how did you respond to it? Let us know by writing us at Cyberguy.com/Contact.

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