Don't Miss Information Because of Misinformation

It has been said that with the wealth of information, freely available, the Internet has the ability to make you smarter, faster, than any other medium on the planet.

Of course with an equal amount of mis-information, it also has the ability to make you dumber, faster, than any other medium on the planet.

So how do you decide which sources of information to trust and which sources to avoid?

It has long been a source of debate, whether or not, any information can be 100% reliable. There is, it is said, no such thing as absolute truth (is that an absolute truth?).

Really though, there is no point in driving yourself mad with such trivial philosophies. All you have to do is decide, in your own mind, where your level of skepticism begins and ends. And skepticism is important in this day and age. That isn’t a negative viewpoint, it’s just a realistic assessment of what you need to survive.

Imagine for a moment that you're looking for a solution that will send your weekly newsletter to your eagerly awaiting mailing list. You can choose from a myriad of different software, hardware, third-party solutions. Some free, some cheap, some expensive and some unreliable. A decision has to be made. Who’s going to help you? Look at the options.

SPAM: Lots of unsolicited emails promise to have the definitive solution and at one time this might have been worth a look. Today, however, if a company is so discourteous that they ignore the generally accepted rules of spamming do you really want to do business with them?

Verdict: Dubious

WEBSITE: Ranked high on Google, plenty of glowing testimonials, even a 30 day money-back guarantee. But wait! Are those testimonials real or fictitious? Is there a clause that will prevent you from returning the product if you dislike it? Can you really believe anything you are being told?

The reality is, that many companies will say anything to make a sale. This is true both on the Internet and the High Street. Desire for profit can quickly deteriorate good intentions. I don’t need to preach about this. You know it’s true.

Accept this, then temper your paranoia by checking the facts. Legitimate companies exist on the Internet by the thousand. The ones worth buying from will happily talk to you on the phone and answer your questions in person. They will respond to your questions by email, probably on the same day. And, if they’re really worth spending money on, they will let you personally contact previous customers so you can confirm that what they’re saying is true.

Make the company work for the sale. If they can’t be bothered to reply to your emails or turn the answering machine off, don’t bother to give them your credit card number.

Verdict: Tread carefully

RECOMMENDATIONS: The product/service is recommended by a third party, perhaps in an ezine, or on a website. Sounds great? A genuine testimonial? But wait!

What is the recommender’s motive?

Love for fellow man?

Appreciation of the product?

Cash?

If you picked option number 3, you’re probably right. Joint ventures and affiliate programmes have led to many a recommendation of a product/service that hasn't been evaluated or even used. There are exceptions but there’s a good chance that the recommendation is linked to a commission.

This doesn’t, by itself, mean the testimonial is bogus. It simply means, as previously stated, that you should use some skepticism.

Look for recommendations from newsletters or websites that have been around for some time. If they have a reputation to consider, they will (should?) think twice before promoting something they haven’t fully investigated.

Verdict: Useful, be sure about the source

SEARCH ENGINES: Once you’ve found the product/service that sets you alight, look for negative feedback. Search for the product name alongside words like "hate" or "problem".

If lots of people have used this product and had problems, then at least few will likely have posted their experiences on a forum.

If no results appear, take this as a good sign and move on.

Verdict: Essential step

FORUMS: If you're really having difficulty finding what you are looking for, forums could be the key.

Look around for about half a dozen forums that you like and have plenty of traffic. Then post a description of what you need on all of them. Check back frequently and see what comes up.

Forums are an excellent way to find uncensored information offered solely for its value. Generally speaking, what you see is what you get.

There are, of course, exceptions. Occasionally someone might recommend something, solely because they are affiliated in some way. But if the forum is busy enough, they probably won’t get away with it.

Verdict: About as safe as you can hope to find

Does the above sound obvious to you? Maybe it is, but every day hundreds or even thousands lose money on poor or useful products/services that they were convinced were perfect. If you doubt it, check through a few related forums.

If you run your own ezine/website/forum, ask yourself what you can do to help those who aren’t as experienced. Your honesty will set you apart from the rest.

If all of this seems helpful, all well and good. Your final task is to apply the above information to this article and ask yourself, with just a touch of skepticism:

"Is it information or misinformation?"

Phishing: A Scary Way of Life

The Federal Bureau of Investigation has identified “phishing” as the “hottest and most troubling new scam on the Internet.”

What is Phishing?

Phishing is a scam initiated via e-mail. Messages are “fishing” for personal and financial information. Most often, e-mails appear to be from reputable companies (internet service providers, telephone companies, etc), banks, and other financial organizations. The e-mail message often gives a story of the bank needing to update its personal information database or a financial institution claiming your personal data had been lost.

Who Phishes?

Hackers and Scammers looking for personal and financial information use phishing as an effective method of gathering information. Phishers imitate legitimate companies in e-mails to entice people to share passwords or credit-card numbers. Recent victims include:

• Bank of America
• Best Buy
• America Online
• eBay
• PayPal
• Washington Mutual
• MSN (Microsoft Network)

History of Phishing

The term phishing comes from the fact that Internet scammers are using increasingly sophisticated lures as they "fish" for users' financial information and password data. The most common ploy is to copy the Web page code from a major site — such as AOL — and use that code to set up a replica page that appears to be part of the company's site. (This is why phishing is also called spoofing.) A fake e-mail is sent out with a link to this page, which solicits the user's credit card data or password. When the form is submitted, it sends the data to the scammer while leaving the user on the company's site so they don't suspect a thing.

Avoid Phishing

Fortunately, common sense can save you from giving away your personal information. For example, be aware for the company requesting information. I have received e-mails from banks I have never had business with. Know that your bank or ISP will never ask for your information out of the blue. Banks do not update their databases and misplace information.

Tips To Avoid Phishing

• If you receive an unexpected e-mail saying your account will be shut down unless you confirm your billing information, do not reply or click any links in the e-mail body.

• Look for words misspelled or other grammatical mistakes.

• Before submitting financial information through a Web site, look for the "lock" icon on the browser's status bar. It means your information is secure during transmission.

• If you are uncertain about the information, contact the company through an address or telephone number you know to be genuine.

• If you unknowingly supplied personal or financial information, contact your bank and credit card company immediately.

• Suspicious e-mail can be forwarded to uce@ftc.gov, and complaints should be filed with the state attorney general's office or through the FTC at www.ftc.gov.

Avoid Internet Theft, Fraud and Phishing

Since its birth, the Internet has grown and expanded to unprecedented, unmanageable proportions. Information, software, news, and much more flow freely through its twisted pathways. Online services such as Internet banking save time and money. However, from the depths of its vast expanse have come the dregs of society intent on preying on the new, the naïve, and the less informed.

Phishing is one of the main scams in the present moment. People set up phoney websites and email addresses. Then they spam Email inboxes with official-looking messages explaining that your account with Company X has encountered a problem and that they need you to login and confirm some details. The email addresses are masked to appear official and the links provided in the email all seem to check out. If you click on the link provided then you will usually be taken to a site that looks for all intents and purposes to be official. When you click 'submit' your details will be sent to a criminal somewhere who will do as they please with your information, such as withdrawing money from a bank account or purchasing things in your name.

The scam has been labelled 'Phishing' because the criminals engaging in the activity behave similarly to a fisherman throwing bait out in the hope that they'll receive just one bite from the millions of people that receive the email.

So how do you avoid these online scams? First and foremost, it is important to realise that no legitimate organisation should be sending you a request to fill out your personal details because of some server error or for any other reason. Your bank will never send you an email with content along the lines of "We've lost your bank account number and password... please supply them again for our records". You should also know that no bank is going to require your social security number, bank account number, and PIN number just to log in to your account or retrieve your password. Other sites such as Ebay, PayPal, and the like will not email you asking for these details either.

If you're a little unsure as to whether or not an email is official, scroll down a bit until you find the link that they are requesting you to click and simply hold your mouse pointer over the link text without clicking. Now take a look at the bottom left-hand corner of your browser window. The link text is often the address that the phisher wants you to think you will be heading to but the real address will be revealed in the bottom of the browser. This address will most likely not have anything whatsoever to do with the company that the email is attempting to imitate. It could be a dodgy web site or even just a page on someone's personal computer. If the address doesn't appear in the bottom left-hand corner then you can right-click on the link, select 'properties' from the pop-up menu and then read the address listed in the information box.

To avoid further scams make sure that you have updated firewall and anti-virus software active on your system at all times. This will make it harder for anyone to install key loggers, Trojans, spyware, or other similar devices intended to retrieve your information. Keep your operating system up to date with the latest security patches and updates and be careful where you enter your details. Always look into the reputability of the site that is requesting your details and keep an eye on the lower right-hand corner of your browser. If the page you are viewing has a little padlock symbol appear in the corner, then it means that your details are being secured by some encryption method. You can double click on the icon to get more details if you wish. Sites without the padlock icon don't have encryption, which means that your details are a lot easier for malicious crooks to get a hold of.

Even if you're sure the website is legitimate, it's not a good idea to send your details over an unsecured connection. By the way, email does not count as a secure connection, and neither does any instant messaging program, (such as MSN, ICQ, Yahoo Messenger, AIM etc.) so don't give out personal details that way either.

Another common scam very similar to phishing involves the emailing of promises of great wealth. Seriously, what do you think your chances are of winning the lottery, let alone one that you never even entered? Or of some obscure yet ridiculously rich person in Africa dying and you being legally allowed to pick up their money? Or of a foreign prince wishing to smuggle money out of his country using your account? These emails are all scams. I wish it were true that I won three different lotteries every single day, but if you get in contact with the people sending these messages they're going to do their utmost to clean out your pockets. Unfortunate as it may sound, the 'Please Donate to Charity' emails sent are usually also scams.

If you really want to donate money to a charity, look them up and send it the usual way, don't respond to a multi-recipient email that may or may not be real. You also shouldn't donate to some random charity that no one has ever heard of before. Some of the Internet lowlifes have started up fake charities, 'dedicated to helping Tsunami victims' or similar and are simply pocketing the donations.

Everything in this world can be used for either good or evil purposes and the Internet is no exception. Staying alert and having just a little bit of Internet know-how can keep you out of harm's way for the majority of the time, and allow you access to the wonderful online services available with relative safety.

7 Ways to Protect Yourself Online

Based on information provided on the Internet World Stats website, there are about 1.3 billion internet users worldwide. Some of these users are friendly people who want to enjoy entertaining themselves, communicating with friends and family, or researching and shopping. There are others who may be conducting business online and there are stil others who are there to harm your computer.

The Internet can be a great place to do a lot of great things, but special care should be taken to make sure conditions are as safe as possible.

Here they are:

1) Scan for viruses - It doesn't matter as much about what program you are using as it does how often you use it. Having the best virus software and never using it is about as bad as having no software at all. Computers can become infected in a number of different ways, so it makes sense to scan and scan often.

2) Scan for spyware - It's really not a great thing when someone can watch what you're doing from your home or business computer. Whether they are watching directly or indirecting, using software, caution should be taken to make sure spyware is removed.

3) Avoid internet scams - If it sounds too good to be true or if you're getting something for nothing, avoid it at all costs. There are probably scams being created every day that focus on people's emotions in order to persuade them to take some type of unwise action. If you fall for a scam, it can costs hundreds or thousands of dollars and can be hard to dispute if you try to prove that the actions were fraudulent.

4) Avoid hoaxes - Hoaxes play on people's emotions especially to forward emails that contain myths or folklore. Since the emails may sound like something that has actually occurred, people forward them and the process continues.

5) Report and Recognize Phishing - Phishing involves someone trying to obtain your personal information such as bank account information through cleverly designed emails and webpages. The best thing to do is to report these types of incidents to the necessary authorities. The key component is actually recognizing the phishing attempts. If you receive an email that asks for personal information or has a link to login to an account, avoid it 99% of the time. Most organizations will not ask for social security numbers, account numbers, or passwords from email.

6) Avoid pornography - The best solution for avoiding most pornography that exists on the web is to install a filter. One of the filters that I recommend can be found Bsafeonline.com.This will take care of most of the process. Inappropriate sites will be blocked and parents can take an active approach at controlling the internet use in their home.

7) Use caution when blogging - Blogging can be a great thing most of the time. It is great for search engine optimization and building communities online, but caution should be used when including information that is personal or when discussing details of other people's lives. In addition, to keep people from stalking you, I would not suggest chronicling every detail of your every day life.

Devin Dabney is a computer consultant, author, speaker, and entrepreneur who is the founder and CEO of DabneyWorks Computer Consulting. DabneyWorks provides remote and in-person computer assistance , website design and auditing, and business consultation.