GREGORY CHANDLER ON CYBERATTACKS

All individuals should take substantial steps to prevent cyberattacks. By cyberattacks, I mean identity theft, financial fraud, and scams by way of computers.

Prevention of cyberattacks begins with a firewall, anti-malware software and automatic updates. Chances are that you have these installed on your computer. Modern computers and routers have firewalls built in. One should make sure that updates are installed on a regular basis.

Windows users: the built-in Windows Update system will notify you when updates, many of them critical for security purposes, become available.

Mac users: Apple automatically sends systems updates. Generally it is safe to accept the systems updates.

Wireless users: It is best to use the highest encryption available on your router, and the router's default username and password should be changed at least every six months.

Don't use simple passwords: For financial accounts do not use simple passwords. For example, do not use your last name or street name. Use unique numbers and special characters. Again, change the passwords at least every six months.

New security options: A new breed of website security adds an extra layer of protection beyond usernames and passwords by registering your computer's unique thumbprint when one logs in. The website is more confident if is you using the computer. If the site detects a computer you do not normally use, expect extra questions to prove your identity.

Credit cards: Many credit card issuers let you set limits on your credit card use. If a large charge or unusual charge is made, the credit card issuer can send you an alert by text message or e-mail. An alert notifies you about a suspicious transaction so you can respond accordingly.

Be alert: One should always be alert while on-line. Often one will receive information that claims to be from one's bank or another entity that one does business with. Most banks will not ask for personal information that the bank has already received from the customer. If in doubt about an e-mail, contact the bank or business.

GREGORY CHANDLER, Attorney at Law