7 Aug 2024

Recognizing the Red Flags: Common Signs of a Security Breach

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In the interconnected world of today, where data is a valuable asset, the security of personal data is paramount. Data breaches can have far-reaching consequences, from identity theft to financial loss. It’s important to be aware of the common signs that may indicate a security breach.

Indicators that you might be part of a data breach or had an account hacked:

Unusual Account Activity – One of the most immediate signs of a security breach is unusual activity in your accounts. This could manifest as unexpected logins from unfamiliar locations or at odd hours, which could suggest that someone else has gained unauthorized access to your account.

Appearance of Suspicious Files – The presence of unknown or suspicious files on your system can be a telltale sign of a security breach. These files may be part of a malware installation and could potentially harm your system or compromise your data.

Slow System Performance – A sudden slowdown in system performance, including prolonged response times or frequent crashes, can indicate that your system has been infected or hacked and is being used for malicious activity. You can check system performance by opening task manager on a Windows computer or Activity Monitor on an Apple MacOS computer.

Locked Accounts or Changed Credentials – Finding yourself locked out of your accounts or discovering that your credentials have been changed without your consent is a strong indication of a security breach. This often means that an attacker has taken control of your account and changed the access details to prevent you from regaining control.

Phishing Attempts – Receiving phishing emails or noticing phishing attempts, where you are asked to provide sensitive information through deceptive means is a common precursor to a security breach. Always be wary of unsolicited requests for your personal information.

While recognizing the signs of a security breach is important, taking preventive measures is equally crucial. Regularly updating software, using strong and unique passwords, enabling multi-factor authentication, and being cautious about the networks you connect to can all help in preventing security breaches.

If you notice any signs of a security breach, it is crucial to act promptly to protect your personal information. Here are the steps you should follow:

Change Your Passwords – Immediately change the passwords for any affected accounts and ensure that the new passwords are strong and unique. Consider using a password manager to keep track of your passwords.

Contact the Affected Service – Inform the service provider of the suspected breach. They can take necessary actions to secure and recover your accounts and monitor for suspicious activity.

Check Your Computer for Malware – Run a thorough scan of your computer using a reputable antivirus program to check for any malware that may have been installed without your knowledge.

Monitor Your Financial Accounts – Keep an eye on your bank and credit card statements for any unauthorized transactions. If you spot anything unusual, contact your financial institution immediately.

Place a Fraud Alert – Contact one of the three major credit bureaus (Equifax, Experian, or TransUnion) to place a fraud alert on your credit reports. This alert will notify potential creditors to take extra steps to verify your identity before extending credit.

Consider a Credit Freeze – A credit freeze will prevent creditors from accessing your credit report, which can stop a thief from opening new accounts in your name. This can be done by contacting the credit bureaus directly.

Report to Authorities – Report the incident to the appropriate authorities. This may include local law enforcement, the Federal Trade Commission, or other relevant government agencies.

Purchase Identity Theft Insurance – You can purchase identity theft insurance through the company that provides your home or renters insurance. You can also purchase insurance through companies such as LifeLock or one of your credit card companies. Insurance helps with recovering your identity if stolen as well as any of the expenses associated with recovery.

Stay Vigilant – Continue to monitor your accounts and credit reports regularly. Early detection of fraudulent activity can minimize the damage and aid in the recovery process.

Educate Yourself – Learn more about how to protect yourself from future breaches. This can include attending cybersecurity awareness training or reading up on best practices for online security.

By following these steps, you can take control of the situation and mitigate the potential damage caused by a security breach. Remember, staying informed and vigilant is your best defense against cyber threats. For more detailed guidance, you can refer to resources provided by cybersecurity experts and authoritative guides.

Fraud Alert Links:

https://www.experian.com/fraud/center.html

https://www.transunion.com/fraud-alerts

https://www.equifax.com/personal/credit-report-services/credit-fraud-alerts/

Credit Freeze Links:

https://www.experian.com/freeze/center.html

https://www.transunion.com/credit-freeze

https://www.equifax.com/personal/credit-report-services/credit-freeze/

Educational Resources:

A 2024 Guide to Digital Security & Cybersecurity – https://www.security.org/digital-safety/

Online Fraud and Scams – https://www.digitallearn.org/courses/online-fraud-and-scams-new

Accounts & Passwords – https://www.digitallearn.org/courses/accounts-passwords-new

24 Jul 2024

Benefits and Concerns of Working with Online Financial Investment Firms

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If you are looking for financial advice or guidance on how to invest your money, you may consider working with a financial advisor. Traditionally, this would mean meeting with a professional in person, but nowadays, you have another option: working with a financial advisor online.

Online financial advisors are individuals or companies that offer financial advisory services through an online platform. You can communicate with them via email, live chat, or video conferences, depending on your preference and availability. Online financial advisors can help you with various aspects of your financial life, such as budgeting, debt management, retirement planning, investing, college savings, estate planning and more.

But is working with a financial advisor online right for you? What are the benefits and concerns of this option compared to traditional face-to-face advice or automated investment platforms? Let’s explore some of the pros and cons of working online with financial investment firms.

Benefits of Working Online with Financial Investment Firms:

  • Convenience: One of the main advantages of working with an online financial advisor is that you can get advice from anywhere, anytime. You don’t have to travel to an office, schedule appointments or deal with traffic. You can access your advisor from your computer, tablet, or smartphone, whenever it suits you. This can save you time and money, as well as make it easier to fit financial planning into your busy lifestyle.
  • Cost-effectiveness: Another benefit of working online with a financial advisor is that it can be cheaper than working with a traditional advisor. Online advisors typically charge lower fees than financial advisors who actively manage investment portfolios. Some online advisors may charge a flat fee, a percentage of assets under management or an hourly rate. Others may offer free or low-cost initial consultations or ongoing support. You can also compare different online advisors and choose the one that fits your budget and needs.
  • Flexibility: Working online with a financial advisor also gives you more flexibility and control over your finances. You can choose how often you want to interact with your advisor, how much guidance you want and what services you need. You can also adjust your plan as your goals and circumstances change. You can access your account information, performance reports and educational resources at any time. You can also make changes to your portfolio or withdraw funds without having to consult your advisor first.
  • Accessibility: Working online with a financial advisor can also make financial advice more accessible and inclusive for people who may face barriers to traditional advice. For example, if you live in a remote area, have a disability, work irregular hours, or have limited mobility, you may find it hard to meet with an advisor in person. Online advisors can cater to your specific needs and preferences and provide you with personalized advice regardless of your location or situation.
  • Variety: Working online with a financial advisor also gives you access to a wide range of options and opportunities. You can choose from different types of online advisors, such as independent advisors, online platforms affiliated with established firms or hybrid models that combine human and automated advice. You can also choose from different types of investments, such as stocks, bonds, mutual funds, exchange-traded funds (ETFs), options and more. You can diversify your portfolio and take advantage of lower commissions and fees offered by some online brokers.

Concerns of Working Online with Financial Investment Firms:

  • Trust: One of the potential drawbacks of working online with a financial advisor is that it may be harder to establish trust and rapport with someone you don’t meet in person. You may not be able to gauge their credibility, expertise, or personality through online communication. You may also have concerns about the security and privacy of your personal and financial information when sharing it online. To address these issues, you should do some research on the online advisor you are considering; check their credentials, reviews, and ratings; ask for references and testimonials; and verify their security measures and policies.
  • Communication: Another possible challenge of working online with a financial advisor is that it may limit the quality and frequency of communication between you and your advisor. You may not be able to express yourself clearly or fully through written or verbal messages. You may also miss out on non-verbal cues such as body language, tone of voice, and facial expressions that can enhance understanding and empathy. You may also face technical difficulties such as poor internet connection, software glitches or hardware failures that can disrupt or delay communication. To overcome these obstacles, you should use multiple modes of communication such as phone calls, video chats, and emails; be clear and concise in your messages; ask questions, provide feedback; and test your devices and software before each session. Make sure your online financial service uses a secure messaging system that protects your confidential information.
  • Responsibility: Another potential downside of working online with a financial advisor is that it may increase your responsibility and accountability for your financial decisions. You may not have the same level of support and guidance as you would from a financial advisor who actively manages your portfolio. You may also have to deal with more complexity and uncertainty in the financial markets, especially if you are a beginner or a hands-off investor. You may also have to deal with more emotional and psychological factors such as fear, greed, overconfidence, and bias that can affect your judgment and performance. To cope with these challenges, you should educate yourself on the basics of investing, set realistic and attainable goals, monitor your progress and performance, seek feedback and advice from your online advisor and other sources, and review and adjust your plan regularly.

Working online with a financial advisor can offer many benefits such as convenience, cost-effectiveness, flexibility, accessibility, and variety. However, it can also pose some concerns such as trust, communication, and responsibility. Whether you choose to work online with a financial advisor or not depends on your personal preferences, goals, circumstances, and needs. You should weigh the pros and cons carefully and compare different options before making a decision. You should also remember that working online with a financial advisor is not a substitute for doing your own research, due diligence, and homework. You should always be informed, involved, and engaged in your financial planning and investing.

10 Jul 2024

Benefits and Concerns of Online Banking and Other Financial Transactions

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Online banking is a convenient and efficient way to manage your money and perform various financial transactions. Online banking allows you to access your account history, transfer money, pay bills, deposit checks, and more from your computer, smartphone, or tablet. You can also open accounts, apply for loans, and earn interest with online-only banks that operate without any physical branches.

Online banking is also available with brick-and-mortar banks and can offer you the advantages of the online only banks while also giving you the convenience of having a local office with staff for assistance.

However, online banking also comes with some potential drawbacks that you should be aware of before choosing an online-only bank or relying solely on online services. Let’s talk about some of the benefits and concerns of online banking and other financial transactions and discuss some tips on how to make the most of your online banking experience.

Some of the benefits of online banking include:

  • Potentially higher interest rates. Online-only banks typically offer higher annual percentage yields (APYs) on savings accounts, certificates of deposit (CDs), and other interest-bearing accounts than traditional banks. This is because they have lower overhead costs and can pass on the savings to their customers. For example, as of February 2024, the average APY for a savings account at an online-only bank was 0.65%, compared to 0.06% at a traditional bank.  Some brick-and-mortar banks may offer the same percentage yields if you agree to paperless statements and information when setting up an account for online only service.
  • Potentially lower or no fees. Online-only banks may also charge lower or no fees for common services such as monthly maintenance, overdrafts, ATM withdrawals, wire transfers, and foreign transactions. This can save you a lot of money over time. For instance, in 2022 alone, U.S. banks charged a total of $7.7 billion in fees just for overdraft and insufficient fund transactions.
  • Deposits are insured. Just like traditional banks, online-only banks are insured by the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA) up to $250,000 per depositor per institution. This means that your money is safe even if the bank fails.
  • Convenience and accessibility. Online banking allows you to access your account and perform transactions anytime and anywhere, as long as you have an internet connection. You don’t have to worry about branch hours, waiting in line, or driving to a physical location. You can also use mobile apps to deposit checks by taking a photo, send money to friends and family using peer-to-peer payment services, and manage your budget using personal finance tools.

Some of the concerns for online banking include:

  • Lack of personal service. Online-only banks do not have physical branches where you can seek help from tellers and other bank personnel in person. If you have a problem or a question, you may have to rely on phone calls, emails, chats, or FAQs to get assistance. This may not be ideal if you prefer face-to-face interactions or need immediate resolution.
  • Difficulty depositing cash. Online-only banks do not have their own ATMs where you can deposit cash. Some online banks belong to ATM networks that allow you to deposit cash at certain locations, but not all of them do. If you need to deposit cash frequently, you may have to use a third-party service that charges a fee or open a separate account at a traditional bank.
  • Limited services. Online-only banks may not offer the same range of products and services as traditional banks. For example, some online banks do not offer business accounts, mortgages, credit cards, or investment accounts. Some online banks also have lower limits on how much money you can transfer or withdraw per day or per month.
  • Security risks. Online banking involves transmitting sensitive information over the internet, which exposes you to the risk of hacking, phishing, identity theft, and fraud. While online banks use encryption and other security measures to protect your data and funds, you also have to be careful about using strong passwords, avoiding public Wi-Fi networks, updating your software, and recognizing suspicious emails or websites.

To make the most of your online banking experience, here are some tips to follow:

  • Compare different online banks before opening an account. Look at the interest rates, fees, features, customer reviews, and security policies of various online banks and choose the one that best suits your needs and preferences.  Also check your local banks to see what they offer for switching to an online account.
  • Keep some money in a traditional bank account for emergencies or cash deposits. Having a backup account at a brick-and-mortar bank can help you access your money quickly in case of an outage or a technical issue with your online bank. It can also make it easier to deposit cash or get cashier’s checks when needed.
  • Use multiple authentication methods to secure your account. Most online banks offer two-factor authentication (2FA), which requires you to enter a code sent to your phone or email after entering your password. This adds an extra layer of security to your account and prevents unauthorized access.  If the bank does not offer a two-factor authentication with their online service, it may be advisable to check for other banks that offer similar services along with the security of two-factor authentication.
  • Monitor your account activity regularly and report any suspicious transactions. Check your account statements and transaction history frequently and look for any errors or unauthorized charges. If you notice anything unusual, contact your bank immediately and dispute the transaction. You may also want to set up alerts or notifications for certain transactions or events, such as low balance, large withdrawal, or login attempt.
  • Take advantage of the online banking features and tools. Online banking offers many benefits that can help you manage your money better and achieve your financial goals. For example, you can use online banking to:
    • Automate your savings by setting up recurring transfers to a high-yield savings account or a CD.
    • Pay your bills on time and avoid late fees by scheduling automatic payments or using bill pay services.
    • Track your spending and budget by categorizing your transactions and using personal finance apps that sync with your online bank account.
    • Earn rewards or cash back by using a debit card or a credit card linked to your online bank account.

Online banking is a convenient and efficient way to manage your money and perform various financial transactions. It also has some potential drawbacks that you should be aware of before choosing an online-only bank or relying solely on online services. By comparing different online banking services, keeping some money in a traditional bank account, securing your account, monitoring your activity, and taking advantage of the online banking features and tools, you can make the most of your online banking experience and enjoy the benefits it offers.

Additional Information:

https://www.usnews.com/banking/articles/pros-and-cons-of-online-banking

https://www.investopedia.com/articles/pf/11/benefits-and-drawbacks-of-internet-banks.asp

26 Jun 2024

Best Practices to Use Fitness Apps and Trackers Securely

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Fitness apps and trackers are becoming more popular as people seek to improve their health and wellness. These devices can monitor various body metrics, such as heart rate, sleep quality, calories burned, and steps taken. They can also provide personalized feedback, coaching, and motivation to help users achieve their fitness goals.

However, fitness apps and trackers also pose some security risks that users should be aware of. These devices collect and store sensitive personal data, such as location, biometrics, health conditions, and habits. This data can be valuable for hackers, advertisers, insurers, employers, or other third parties who may want to access it for malicious or commercial purposes. 

If this data is compromised, leaked, or misused, it can have serious consequences for users’ privacy, safety, identity, reputation, or finances. For example, hackers could use location data to track users’ movements, stalk them, or rob their homes. Advertisers could use health data to target users with personalized ads or offers based on their conditions or behaviors. Insurers or employers could use fitness data to assess users’ risk profiles or performance and adjust their premiums or salaries accordingly.

Therefore, it is essential for fitness app and tracker users to take some precautions to protect their data and devices from unauthorized access or exposure. Here are some best practices to securely use fitness apps and trackers:

  • Choose a reputable brand: When buying a fitness app or tracker, it is advisable to choose a well-known and trusted brand that has a good reputation for security and privacy. A reputable brand is more likely to design secure devices, update them regularly, fix vulnerabilities promptly, and notify users of any breaches or incidents. A lesser-known brand may offer cheaper or more attractive features, but it may also have weaker security measures, less accountability, or more hidden risks. You can review the different fitness trackers from articles at PC Magazine and CNET.
  • Read the privacy policy: Before using a fitness app or tracker, it is important to read and understand its privacy policy. The privacy policy should explain what data the app or tracker collects, how it uses it, with whom it shares it, how long it retains it, and how it protects it. The privacy policy should also inform users of their rights and choices regarding their data, such as opting out of certain features or deleting their accounts. Users should avoid apps or trackers that have vague, unclear, or invasive privacy policies.
  • Adjust the settings: Most fitness apps and trackers have settings that allow users to customize their preferences and control their data sharing. Users should review these settings carefully and adjust them according to their needs and comfort levels. For example, users can disable location tracking when not needed, limit the access of third-party apps or services to their data, enable notifications or alerts for suspicious activities, and revoke permissions for unused features.
  • Secure the account: Users should also secure their accounts by using strong passwords that they don’t use with other accounts and enabling two-factor authentication for the associated app. They should also avoid sharing their credentials with anyone else or logging in from untrusted devices or networks. Users should also monitor their accounts regularly and report any unusual or unauthorized activities.
  • Update the device: Users should keep their devices updated with the latest software and firmware versions. These updates often contain security patches that fix bugs or vulnerabilities that could expose users’ data or devices to hackers. Users should also install antivirus software on their smartphones if they use them to sync with their fitness apps or trackers.
  • Be careful with social media: Some fitness apps and trackers have social media features that allow users to share their progress, achievements, or challenges with other users or friends. While these features can be fun and motivating, they can also expose users’ data or location to strangers or unwanted audiences. Users should be careful with what they share on social media and who they share it with. They should also check the privacy settings of their social media accounts and limit the visibility of their posts.

By following these practices, fitness app and tracker users can enjoy the benefits of these devices while minimizing the risks of compromising their data or devices.

Additional reading and Information:

The biggest risks of using fitness trackers to monitor health (cnbc.com)

Unwrapping the Safety of Fitness Trackers: A Comprehensive Guide | by Lifestyle, Decor & Travel Insights | Medium

How to make sure your fitness trackers are secure – The Verge

12 Jun 2024

Healthcare Portals: How to Decide if You Should Use One?

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Healthcare portals offer a secure and convenient way for you to access your personal health information and interact with healthcare providers. These applications can enhance your participation in your healthcare and help streamline processes such as bill pay, prescription refills, and scheduling. Healthcare portals also provide methods to share your healthcare information with loved ones.  Having access to your healthcare history online can even be beneficial when you need to have access to your healthcare history while being treated away from home. More and more healthcare providers are offering access to healthcare portals.  Like any online application there are benefits and issues to be aware of when using an online health portal.

Healthcare portals provide these advantages:

  • Convenient Access to Medical Information – Healthcare portals provide patients with the ability to access their medical records, test results, and immunization records from any location with internet access. This convenience also allows you to engage in your healthcare more fully and have better conversations with your doctor and other healthcare professionals.
  • Improved Communication – The portals facilitate better communication channels between patients and healthcare providers. Secure messaging systems within these portals allow for efficient and direct communication, potentially reducing the need for phone calls and in-person visits. Having the messaging system in the application provides increased security and protection of your healthcare information.
  • Streamlined Administrative Tasks – For healthcare providers, patient portals can automate and simplify administrative tasks such as appointment scheduling, prescription refills, and patient data management, leading to improved workflow efficiency. The system also allows you to schedule doctor visits through the healthcare provider’s calendar and to request appointments sooner due to specific issues.

Some of the issues to consider when looking to use a healthcare portal are:

  • Security Concerns – One of the primary concerns with patient portals is data security. As with any online platform, there is a risk of unauthorized access, which can lead to privacy breaches and misuse of sensitive health information. Using a unique username and password, two-factor authentication, and using your portal only on a home or protected network (using a Virtual Private Network application) can help lower the risk.
  • Technological Barriers – Not everyone is tech-savvy, and you or others in your family or community may find it challenging to navigate these portals. This can lead to underutilization of the services provided through the portal. Working with your healthcare provider, family members, and friends that are using the same portal can be beneficial for those just learning to use it. You can also search for support materials from the portal provider’s web site. 
  • Potential for Misinterpretation – Access to detailed medical records and test results without proper interpretation by a healthcare professional can sometimes lead to confusion and misinterpretation causing stress. Use the information to assist you in formulating questions to ask your healthcare professionals and avoid self-diagnosis.

Healthcare portals allow you to be a more informed and engaged patient. They offer numerous advantages that can enhance your healthcare experience and improve healthcare delivery. Nonetheless, it is crucial to think through the issues, particularly around security and accessibility, to ensure that these portals serve you and your healthcare provider effectively.

As we continue to navigate the complexities of healthcare technology, it is essential to maintain a balanced perspective on the tools we integrate into our healthcare systems. By doing so, we can harness the full potential of healthcare portals to benefit you and your healthcare providers.

Additional reading and information:

What to Know About Patient Portals (webmd.com)

How to Navigate Your Patient Portal and Avoid Mistakes (aarp.org)

Connect to care: The patient portal – Mayo Clinic Health System

29 May 2024

How to Find a Telehealth or Tele-mental Health Provider

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Many of the same considerations for finding a provider for in-person health services apply to finding a telehealth or tele-mental health provider. You should look for a provider who is licensed, qualified, experienced, and compatible with your needs and preferences.

How can you find a telehealth or tele-mental health provider?

  • Ask your primary care provider for a referral or recommendation.
  • Contact your insurance company or visit their website to see what providers are in-network and what services are covered.
  • Search online directories or databases of telehealth or tele-mental health providers, such as those offered by professional associations or organizations.
  • Read online reviews or testimonials from other patients who have used telehealth or tele-mental health services.
  • Ask your friends, family, or peers for suggestions or feedback.

How do you prepare for a Telehealth or Tele-mental Health Visit?

Once you have found a provider and scheduled an appointment, you should prepare for your telehealth or tele-mental health visit by following these steps:

  • Test your device, connection, and platform before the session to make sure they work properly. If possible, use a wired connection instead of Wi-Fi for better stability.
  • Choose a quiet, private, and comfortable location where you will not be disturbed or distracted. Use headphones or earbuds if needed.
  • Have any materials or documents you may need during the session ready, such as your insurance card, medication list, notes, questions, etc.
  • Log in to the platform or app at least 10 minutes before the session starts. Follow the instructions provided by your provider or the platform to join the session.
  • Be respectful, honest, and engaged during the session. Treat it as you would an in-person visit. Ask for clarification or feedback if needed.
  • After the session, write down any important information or instructions from your provider. Follow up with any questions or concerns you may have.
  • If you do not have the ability to access telehealth services in your home see if your local healthcare providers, libraries, or other agencies may be able to provide a private space for you and others in the community to access telehealth services.

Telehealth and tele-mental health platforms are convenient and effective ways to receive health care services, especially for mental health conditions. They can offer many benefits, such as increased access, reduced barriers, and improved technology. However, they also have some drawbacks, such as potential issues with quality, cost, privacy, and insurance coverage.

You should weigh the pros and cons of using telehealth and tele-mental health and find a provider who meets your needs and preferences. You should also prepare for your virtual visit by testing your technology, choosing a suitable location, and being respectful and engaged.

Additional reading and information:

How do I schedule a telehealth appointment? | Telehealth.HHS.gov

How do I use telehealth for behavioral health care? | Telehealth.HHS.gov

What do I need to use telehealth? | Telehealth.HHS.gov

What should I know before my telehealth visit? | Telehealth.HHS.gov

What if I’m having trouble using telehealth? | Telehealth.HHS.gov

What happens after my telehealth visit? | Telehealth.HHS.gov

15 May 2024

Benefits of Telehealth and Tele-Mental Health

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Telehealth is the use of telephones and\or videoconferencing technology to provide health care services, including mental health care. Tele-mental health is sometimes referred to as telepsychiatry or telepsychology. Research suggests that tele-mental health services can be effective for many people, including those with attention-deficit/hyperactivity disorder (ADHD), post-traumatic stress disorder (PTSD), depression, and anxiety.

Telehealth and Tele-mental health can make a difference in the care and treatment of individuals that are unable to travel due to illness, who are unable to drive, or cannot afford to travel to see specialists or their primary care doctor. Having access to preventative healthcare as well as care during an illness can improve the health of individuals and allow them to stay in their homes instead of a long-term care facility.

Having the ability to access a reliable broadband provider is an essential component of accessing healthcare and mental health services virtually. Broadband connectivity should be affordable and reliable so all individuals can access services such as Telehealth and Tele-mental health.

Let’s explore some of the benefits and drawbacks of using telehealth and tele-mental health, as well as some tips on how to find a provider and prepare for a virtual visit.

Benefits of Telehealth and Tele-mental Health:

  • Convenience: You don’t have to travel to see your provider, which can save you time, money, and hassle. You can also schedule appointments with less notice and at more flexible hours.
  • Broader reach: You can access providers who may not be available in your area, especially if you live in a remote or rural location. You can also receive care in emergency situations or when you need immediate support.
  • Fewer barriers: You may feel more comfortable and less stigmatized seeking mental health care through a screen than in person. You may also find it easier to open up and share your feelings with a provider who is not physically present.
  • Advances in technology: As telehealth and tele-mental health services have increased, providers have become more familiar with the technology and platforms they use. Some providers have switched to entirely virtual practices, which can offer more consistency and continuity of care.

Disadvantages of Telehealth and Tele-mental Health:

  • Access to technology: You need a reliable internet connection and a device that can support audio and video. You may also need to download specific software or apps to use the service.
  • Quality issues: The quality of the audio and video may vary depending on your device, connection, and platform. Poor quality can affect how well you can communicate with your provider and how satisfied you are with the service.
  • Cost: You may need to invest in new or updated equipment, platforms, or networks to use telehealth and tele-mental health services. You may also have to pay out-of-pocket fees if your insurance does not cover the service or if you use an out-of-network provider.
  • Privacy: You need to ensure that your device, connection, and platform are secure and that no one else can access or overhear your sessions. You may also feel less comfortable sharing personal information with a provider who is not physically present.
  • Insurance coverage: The policies and regulations regarding telehealth and tele-mental health services vary from state to state and from insurer to insurer. You need to check with your provider and your insurance company before using the service to make sure it is covered and what the requirements are.

Telehealth and Tele-mental health service can provide a great advantage to you in your personal care and well-being. Being able to visit with your primary care provider, specialists, or mental health professional remotely can give you access that is more convenient for you, does not require travel to their office, and can give you a greater level of privacy by being able to receive services in your home. Using telehealth and tele-mental health does require broadband access to have full audio and video visits with your healthcare provider as well as a device capable of video conferencing. Cost and insurance coverage also need to be considered when deciding to use Telehealth and tele-mental health services.

Additional reading and information:

Why use telehealth? | Telehealth.HHS.gov

What are different types of telehealth? | Telehealth.HHS.gov

How do I pay for telehealth? | Telehealth.HHS.gov

What can be treated through telehealth? | Telehealth.HHS.gov

How do I protect my data and privacy? | Telehealth.HHS.gov

1 May 2024

Understanding Drive-By and Pop-Up Computer Infections

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I’ve just spent some time scanning a computer in my house that had a pop-up virus trying to infect it. Drive-by and pop-up infections are quite common and can lead to your computer and data being compromised.

Drive-by downloads are a form of cyberattack where malware is unintentionally downloaded and installed on a user’s computer. This can occur when a user visits a compromised website or clicks on a deceptive link. The downloaded malware can then perform various malicious activities, such as hijacking the computer, spying on network activity, or destroying data.

Pop-up computer infections, on the other hand, often masquerade as legitimate warnings or advertisements. They can be very persistent, tricking users into clicking on them, which may lead to the installation of malware. These pop-ups can appear even when not browsing the internet, indicating the presence of adware or other malicious software on the system.

To protect against these threats, follow these recommendations:

Keep Your Software Updated – Regularly update your operating system, browser, and any installed software to patch security vulnerabilities.

Install an Ad-Blocker – Ad-blockers can prevent malicious ads from appearing and reduce the risk of accidental clicks that could lead to malware infections. PC Mag has their list of top 5 add blockers.

Use Antivirus Software – A reliable antivirus program can detect and remove malicious software before it harms your system. PC Mag and CNet have their reviews of Antivirus programs for the year.

Enable “Click-to-Play Plugins” in Your Browser – This prevents multimedia content from running automatically and can stop drive-by downloads from executing.

Download Software from Trusted Sources – Be cautious of downloading free software. Ensure you obtain it from legitimate sources and providers to avoid bundled malware.

Adjust Browser Security Settings – Maintain your browser’s default security settings or enhance them to block unauthorized downloads and pop-ups.

Be Wary of Social Engineering – Educate yourself on the tactics used by cybercriminals to lure users into downloading malware, such as phishing emails and fake websites.

Regular Backups – Keep regular backups of your important data. In case of an infection, you can restore your system without losing critical information.

For those who suspect their system may be infected, here’s a step-by-step guide to help you navigate through the process:

Disconnect from the Internet – As soon as you suspect an infection, disconnect your computer from the internet. This prevents the malware from transmitting any sensitive data and stops it from downloading additional malicious components. For pop-up infections, you can power down your machine by holding the power button in for 10 seconds. Many of these pop-up infections run in the computer memory to start and by shutting down the computer without clicking on any recommended links or trying to close the applications on your computer can reduce the chance of further infection.

Enter Safe Mode (Windows MacOS) – Reboot your computer in Safe Mode. This will start your computer with only the essential programs running, which can help prevent the malware from loading.

Check Installed Programs – Review your installed programs and remove anything that looks suspicious or that you don’t remember installing.

Run Antivirus Scans – Use a reputable antivirus program to run a thorough scan of your system. Malwarebytes Anti-Malware is a widely recommended tool for removing malware and unwanted programs. Malwarebytes has both a free and subscription-based service.

Use Secondary Scanners – Sometimes, a second opinion is necessary. Tools like HitmanPro can provide a secondary scan that might catch malware that slipped past your primary antivirus software. Hitman Pro.Alert is their fee-based version.

Reset Your Browsers – Malware often makes changes to your browser settings. Resetting your browsers to their default settings can undo these changes. Once at the default setting, you can change back to any customizations you made to enhance security above the default settings.

Update Your Software – Ensure that your operating system, browsers, and all plugins are up to date with the latest security patches. Outdated software can be vulnerable to exploitation by malware.

Change Passwords – After cleaning your system, change your passwords. This is a crucial step, as malware can capture keystrokes and compromise your accounts.

Backup Your Data – Regularly back up your data to an external drive or cloud storage. If you have a backup from before the infection, you may be able to restore your files if they’ve been damaged or encrypted by malware.

Stay Informed – Educate yourself on the latest threats and how to avoid them. Drive-by downloads can exploit vulnerabilities in outdated software, so keeping informed can help you stay one step ahead of potential infections.

Consult Local Computer Repair Professionals – If you’re not confident in your ability to clean your system or if the infection persists, seek the help of your local computer professional. It’s better to get expert assistance than to risk further damage to your system.

While drive-by and pop-up computer infections pose a significant risk, awareness and proactive measures can greatly reduce the chances of falling victim to these cyber threats. It’s a continuous battle against cybercriminals, but with the right tools and practices, you can safeguard your information and continue to enjoy the benefits of your digital life.

You can find additional information and resources at the following sites:

Malware Protection for Home 2023 | Malwarebytes

Download HitmanPro: Scan and Remove Malware

Best Antivirus Software for 2024 – CNET

The Best Ad Blockers for 2024 | PCMag

What are drive-by downloads + drive-by attack prevention tips | Norton

How to remove a fake virus alert – Norton

How to Enable Click-to-Play Plugins in Every Web Browser (howtogeek.com)

Start your PC in safe mode in Windows – Microsoft Support

Start up your Mac in safe mode – Apple Support

17 Apr 2024

Common Issues with Home Networks and How to Fix Them

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A home network connects multiple devices, such as computers, smartphones, tablets, TVs, printers, and smart home devices, to each other and to the internet. Sometimes you may encounter problems with your home network that affect your online experience. Here are some of the most common issues with home networks and how to fix them:

Slow Internet Speeds

If your internet connection is slow or lagging, you may have several possible causes, such as:

  • Your internet service provider (ISP) may be having issues or throttling (i.e., limiting) your bandwidth because of the service package purchased
  • Your modem or router is outdated or malfunctioning
  • Your network is congested with too many devices or applications
  • Your network is affected by interference from other wireless signals or devices
  • Your device is infected with malware or running too many background processes

To fix slow internet speeds, you can try the following solutions:

  • Update your modem and router firmware to the latest version. Firmware updates can improve performance and security of your network devices.
  • Reduce the number of devices or applications that are using your network. Close any unnecessary tabs or programs on your device and disconnect any devices that are not in use.
  • Change the location or channel of your router. Place your router in a central and elevated position, away from walls, metal objects, and other sources of interference. Change the wireless channel of your router using the router’s web interface or app. Changing the channel of the Wi-Fi may improve signal strength and reduce interference from neighboring routers.
  • Scan your device for malware and remove any suspicious files or programs. Use reputable antivirus software and keep it updated regularly.
  • Restart your device, modem, and router. Sometimes, a simple reboot can clear any temporary issues and improve your network performance.
  • Test your internet speed using an online tool such as Speedtest.net and compare it with your ISP’s advertised speed. If there is a significant difference, contact your ISP and report the problem.

Devices Not Connecting

If you have trouble connecting a device to your network, it may be because of one of these reasons:

  • Your device’s Wi-Fi adapter is disabled or faulty
  • Your device’s network settings are incorrect or incompatible
  • Your device’s network drivers are outdated or corrupted
  • Your router’s security settings are blocking your device
  • Your router’s DHCP server is not assigning IP addresses properly. DHCP stands for Dynamic Host Configuration Protocol, which is a service that assigns IP addresses to devices on your network automatically.

To fix connection issues, you can try these solutions:

  • Check your device’s Wi-Fi adapter and make sure it is enabled and working properly. You can use the network troubleshooter on Windows or the wireless diagnostics on Mac to diagnose and fix any problems with your Wi-Fi adapter.
  • Check your device’s network settings and make sure they match your router’s settings. For example, if your router uses WPA2 encryption, your device should also use WPA2 encryption. If your router uses a static IP address, your device should also use a static IP address. WPA stands for Wi-Fi Protected Access.
  • Update your device’s network drivers to the latest version. Network drivers are software that allows your device to communicate with your network hardware. You can update them manually from the device manufacturer’s website or automatically using a driver updater tool from the device manufacturer.
  • Check your router’s security settings and make sure they are not blocking your device. For example, if your router has a MAC (media access card) address filter, you need to add your device’s MAC address to the allowed list. If your router has a firewall, you need to allow the ports and protocols that your device uses.
  • Check your router’s DHCP server and make sure it is enabled and working properly. If DHCP is disabled or malfunctioning, you may need to assign IP addresses manually or reset your router.

Intermittent Connectivity

If your Internet or home network connection drops frequently or randomly, it might be caused by:

  • Your ISP is having outages or maintenance
  • Your modem or router is overheating or overloaded
  • Your network cable is damaged or loose
  • Your wireless signal is weak or unstable
  • Your device is switching between networks

To fix intermittent connectivity, you can try these solutions:

  • Check your ISP’s status page or social media accounts for any reports of outages or maintenance. If there is an issue on their end, you will have to wait until they resolve it.
  • Check your modem and router for any signs of overheating or overload. If they feel hot to the touch or have blinking lights, you may need to cool them down or reduce their workload. You can do this by placing them in a well-ventilated area, unplugging any unnecessary devices, and limiting bandwidth-intensive activities such as streaming or gaming.
  • Check your network cable for any signs of damage or looseness. If the cable is frayed, bent, or disconnected, you may need to replace it or reconnect it securely.
  • Check your wireless signal for any signs of weakness or instability. If the signal is weak or fluctuating, you may need to improve it by moving closer to your router, reducing interference, or using a Wi-Fi extender or mesh network.
  • Check your device for any signs of switching between networks. If your device is connected to multiple networks, such as Wi-Fi and cellular, it may switch between them depending on the signal strength and availability. You can prevent this by disabling the network that you don’t want to use or setting a priority for the network that you want to use.

By following these diagnostics steps and implementing one or more of the solutions provided, you can get your home network and your devices connecting at their fastest speeds and enjoying the information and resources available on the In

3 Apr 2024

Should You Rent or Own Your Home Internet Equipment?

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If you’re thinking about getting Internet in your home for the first time, changing providers, or wondering if you should ask your provider about an equipment upgrade, you may want to consider the option of owning versus renting the equipment that connects you to the Internet.

The equipment that connects your home to the Internet through your provider can consist of a modem, router or Wi-Fi router, or combination router\modem (sometimes called a gateway). Equipment might also include a range extender to enhance the Wi-Fi signal across your home.

There are advantages and disadvantages to owning your own equipment or renting the equipment through your Internet Service Provider (ISP). When you sign up for an Internet plan through your provider, you have the option to rent their equipment and have them perform the installation or buy your own equipment and do the installation yourself with specific instructions from the provider on the initial setup.

Let’s explore the pros and cons of renting or owning the equipment that connects you to the Internet to help determine which option is best for you.

When renting equipment from your Internet Service Provider some of the advantages are:

  • You don’t have to worry about compatibility issues. The equipment is designed to work with your providers’ network and service.
  • You get free upgrades or replacements if the equipment fails or becomes outdated.
  • You get technical support from your provider if you have any problems with the equipment or your internet connection.
  • You can easily return the equipment if you switch ISPs or cancel your service.

Some of the disadvantages to renting equipment from your Internet Service Provider are:

  • You pay a monthly rental fee that can add up over time and cost more than buying your own equipment. This may take several years depending on the equipment used.
  • You may have limited control over some of the features and settings of the equipment, as they are determined by your ISP.
  • You may not get the best performance or security from the equipment, as it may be of low quality or use outdated technology.

When you own your modem, router, and/or Wi-Fi Range Extender to use with your provider, you have some options about where you purchase the equipment and its quality. Your provider may suggest brands they consider compatible with their Internet connection to your home.

The advantages of owning your home networking equipment are:

  • You save money over time, as you don’t have to pay a monthly fee to your provider.
  • You have more control over the features and settings of the equipment, as you can choose the model and brand that suits your needs and preferences.
  • You get better performance and security from the equipment, as you can choose one that uses the latest technology and supports faster speeds and stronger encryption.
  • You can make sure the equipment is updated to the latest operating system or firmware by setting automatic updates.
  • You can keep the equipment if you switch ISPs or cancel your service if it is compatible with other networks.
  • You do not have to wait on a visit by technicians to upgrade or replace failing hardware.

The disadvantages of owning your own home networking equipment are:

  • You must pay upfront for the equipment, which can be expensive depending on the model and brand. You should consider buying the latest equipment which has the latest security features.
  • You must make sure that the equipment is compatible with your ISPs network and service, and that it meets their requirements and specifications.
  • You are responsible for upgrading or replacing the equipment if it fails or becomes outdated. Due to the expense of the equipment, you might want to see if the equipment can be covered through your home or renter’s insurance.
  • You have to troubleshoot any problems with the equipment or your internet connection yourself or seek help from the manufacturer or a third-party service.

After reading about the pros and cons of owning versus renting home network equipment, how do you decide which option is better for you?

Several things to consider in your decision are:

  • Your budget: how much can you afford to spend upfront to buy equipment or spend monthly to rent your home networking equipment?
  • Your needs: what kind of features and performance do you want from your routing equipment?
  • Your preferences: do you value convenience and simplicity, or customization and flexibility?
  • Your plans: how long do you intend to use your current ISP and internet service?

You may want to consider renting the equipment if you:

  • Have a limited budget and don’t want to pay upfront for your routing equipment.
  • Don’t care much about the features and performance of your networking equipment.
  • Prefer to have technical support from your ISP if anything goes wrong.
  • Plan to switch providers or cancel your service in the near future.

Consider owning your home networking equipment if you:

  • Have enough money to buy your own routing equipment.
  • Want to have more control over the features and performance of your routing equipment.
  • Are comfortable with troubleshooting any issues yourself or seeking help elsewhere.
  • Plan to stick with your current ISP and internet service for a long time.

Renting versus owning your home networking equipment is a personal choice that depends on several factors including convenience, support, and flexibility, savings, control, and performance.

Before deciding between renting or owning your home networking equipment, weigh the pros and cons of each option carefully, and consider your budget, needs, preferences, and plans. Ultimately, choose the option that works best for you and your home internet experience.