Be Safe Online!

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Be Safe Online! - 'Revenge of the Online Shopper' - Written by Jimmy Sweeney and Mitch Selleck
Here's your ticket to
Safe, Smart, Secure,
Online Shopping...
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Copyright © HONESTe Online Inc. All Rights Reserved

Be Safe Online! - 'Revenge of the Online Shopper' - Written by Jimmy Sweeney and Mitch Selleck
YOU… A Victim Of Online Fraud?
Fraud Fact: Internet Scam Artists LOVE "doing business" with
trusting, naïve consumers. They absolutely HATE safe, smart,
secure shoppers.
Which One Are You?
Find out by reading the world-famous, "Revenge of the Online Shopper" eBook.
Someone who cares about you put this into your hands.
Here's What You Can Do:
1.Take 5 minutes to get "eSafe, eSmart and eSecure." Read "Revenge of the
Online Shopper" right now and never fall victim to online fraud again.
2.Pass on "Revenge" to your family and loved ones with the email subject
line: "Revenge of the Online Shopper."
3. Enjoy the fact that you've taken part in helping
others you care about get safe, smart and secure
when shopping online. And SMILE, you just
contributed to smacking another Internet Fraudster
over the head with a frying pan!
Remember: Safe, Smart, Secure online shoppers rarely fall victim to fraud.
Knowledge is power.
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Be Safe Online! - 'Revenge of the Online Shopper' - Written by Jimmy Sweeney and Mitch Selleck
Quick Introduction:
The Internet is a unique and exciting place to shop. It's filled with fabulous products
and services. And what could be better than shopping from the comfort of your own
home in your pajamas?
However, DANGER lurks. Thousands of unscrupulous people are after your personal
and financial information every time you place an order.
Worry no more! My name is Jimmy Sweeney, president and founder of HONESTe
Online Revealed for the first time in one free eBook, the best little-known secret
solutions to keep you super-safe, smart and secure when shopping online.
Get Ready To Enjoy The "Wild,Wild,Web"
With A New Level Of Confidence.
Thanks to consumers like you, "Revenge of the Online Shopper" is making its way
around the globe. Let's clean up the Internet using the power of consumer education.
Take a moment to send a copy to everyone you know. They will thank you for it.
How To Make Safe Online
Payments Every Time!
Here's a secret you can bank on. Most financial institutions offer FREE checking and
FREE online services. Why? Because online banking costs them less money.
Generally, there's no minimum balance required and if there is, it's very low.
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Be Safe Online! - 'Revenge of the Online Shopper' - Written by Jimmy Sweeney and Mitch Selleck
Three Steps For Super-Safe Online Shopping…
1. Set up your primary checking account so you can access it online. I've been
doing this for years, and find it very convenient. As a side note: You can also use
the "bill pay" feature to pay most of your bills online. Bills will come to you
electronically, cutting your paper bills to a minimum. Never again deal with stamps or
envelopes. Most important, you can safely transfer funds online from one account to
another in a matter of seconds.
2.Next, ask your bank for a secondary FREE checking account.
Then, get a FREE debit card to go with this secondary account.
Use this one debit card for ALL of your online purchases.
Key Secret...
3.Transfer just enough money from your primary checking account into your
secondary 'online' account to cover any Internet purchases. Remember, you only
keep a small amount of money in this account or enough for the online purchase
you are about to make. This means you can safely use the debit card to shop online,
and never worry that someone will use the card to run up huge bills. They can't .
There's no money to spend! One word of caution: Tell your bank to NEVER authorize
over limit charges on this account. They may think they're doing you a favor with this
service. Then they do you another favor, and charge you an over limit fee for the
"privilege."
OR, Pay For Online Purchases With A FREE PayPal® Account…
PayPal has been around for years, and provides a simple, superb, and secure payment
method. Most eBay sellers prefer PayPal payments, as do many online merchants. In
fact, eBay was so impressed with the company, they ended up buying PayPal!
Set up a PayPal account FREE of charge, and earn interest on your balance.
If you buy or sell on eBay, PayPal is the way to go. Virtually all online merchants
accept PayPal payments these days. Hook your PayPal account to your special 'online'
checking account AND the debit card (usually MasterCard or Visa). Then use the
PayPal account for your purchases. PayPal is a banking institution, operating with the
same safeguards and regulations as your local 'brick and mortar' bank.
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Be Safe Online! - 'Revenge of the Online Shopper' - Written by Jimmy Sweeney and Mitch Selleck
I highly recommend using PayPal for your online purchases when this option is
available
. Plus, if you feel you've been ripped off, you can report this to PayPal and
have a much better chance of being reimbursed. You can also dispute a bad charge with
your bank too, thus, making it almost impossible to get ripped off for any amount of
money when shopping online!
If you sit quiet and close your eyes for a moment, you can almost see the online thief's
face turning bright red with anger!
PRIVATE: Do Not Enter!
Passwords And Online Privacy: ALWAYS create a completely different username
and password for each account--particularly financial ones. And don't forget to change
your passwords on a regular basis!
Two smart choices to protect all of your online login information.
1.Do-It-Yourself Solution.
2.Software Solution.
Do-It-Yourself Solution:
Keep Fido, Your Mom, And Webster Out Of It!
Do not use your pet's name, anyone's birthday, or any word commonly found in the
dictionary. These are easy to guess for someone with a little information about you.
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Be Safe Online! - 'Revenge of the Online Shopper' - Written by Jimmy Sweeney and Mitch Selleck
Keep 'em Guessing!
A safer choice is something totally random, like "R9g25_bcX4k" or a
password phrase consisting of the first letter of a sentence you will
easily remember. For example, "IneccbdoF" comes from "I never
eat chocolate cake before dinner on Friday." With a little
thought, you can come up with a reasonably secure password you
won't easily forget.
A truly secure password contains UPPER and lower case letters, numbers, spaces, and
other symbols.
You might even think it looks like the cartoon version of swearing!
If you have as hard a time remembering all these usernames and passwords as I do,
there's a neat software solution I detail below. For you "do-it-yourselfers" just make
sure to write down all your login information and keep it in a safe place. Most
important, be sure to remember where that safe place is!
The following are usually NOT safe places to store your passwords:
1.Inside your computer carry bag.
2.On your hard drive itself.
3.In your wallet or purse.
4.Under a magnet on the refrigerator door...
You get the idea.
.Zip It Up!
Keep your login and password information as individual text files
in one folder and update them as necessary. For more security, store
them in an encrypted .zip file. If you do this, remember the master
password, or you'll never get them back!
Keep your login and password folder on a removable USB flash drive. These are
small, convenient little gadgets that plug into the USB port on your computer. They're
also quite handy for a quick, convenient backup of most any documents you have on
your drive that you'd rather not be toting around with you on your laptop.
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Be Safe Online! - 'Revenge of the Online Shopper' - Written by Jimmy Sweeney and Mitch Selleck
My Favorite Software Solution
I discovered this a couple years ago. If you'd like to say goodbye to all your
username and password storage problems forever, say hello to RoboForm. I love this
tool. If you feel like you're losing your mind trying to manage all the login information
to your various online accounts, try this. It's my personal favorite. With one click of
the mouse you can create secure passwords and save all your logins. Roboform
automatically encrypts this sensitive information on your computer. When you need to
access an account the names are listed in alphabetical order for easy access. One click
logs you into any account of your choice. Too many features to describe here but I'm a
big fan and avid user. Millions of people have downloaded RoboForm worldwide.
They have a free trial version but I bought the paid Pro Version because it's
inexpensive. The woman who recommended Roboform to me could literally not stop
talking about it. Neither can I. But I'll stop now.
How To Avoid Identity Theft
From This Day Forward…
Hey, No Fishing! (Phishing)
You know the twisted game 'they' play. You receive an email directing you to visit a
familiar website where you're asked to update your personal information. The website
asks you to verify passwords, credit card numbers, social security number, or even your
bank account number. You recognize the business name (Citibank®, PayPal, etc.) as
one you do business with or have in the past.
Take Me WHERE?
You click on the convenient "take me there" link and then
provide all the information requested. Unfortunately, you
find out later the website is a fake. It was created for
one purpose only--to steal your personal information.
If this has happened to you, you have been caught at the old Internet 'phishing' hole!
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Be Safe Online! - 'Revenge of the Online Shopper' - Written by Jimmy Sweeney and Mitch Selleck
Bait And Switch
Phishing (pronounced "fishing") is defined as the act of sending
an email to a recipient falsely claiming to have an established,
legitimate business. The intent of the phisher is to scam
the recipient into surrendering his or her private information,
and ultimately his or her identity.
At first glance, the email 'bait' you receive may appear to be from a legitimate
company. The "From" field of the email may have the .com address of the company
mentioned in the email. The clickable link even appears to take you to the company's
website, when in fact, it's a fake website built to replicate the legitimate site-complete
with a recognizable logo or graphic. Criminals make a profession of this. Keep clear of
them.
'Phishing' Without A License
A 'phisherman' will do everything possible to make his email look like the real deal.
A great way to check the legitimacy of the link is to point at it with your mouse. Then,
look at the bottom left hand screen of your computer. The actual website address to
which you are being directed will show up for you to view. It is a very quick and easy
way to spot these scams. This is not 100% foolproof! A truly clever 'pfisherman' will
use attractive bait. Don't bite!
More Than A Click Away
NEVER, EVER, click the links within the text of an email, and always
delete the email immediately. Once you have deleted the email, empty the trash box in
your email accounts. If you are truly concerned that you are missing an important
notice regarding one of your accounts, then manually type the full URL address of the
website into your browser and login to your account if you have one. Now you can find
out if you've really missed something important or have just avoided a "phisherman"
trying to reel you in!
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Be Safe Online! - 'Revenge of the Online Shopper' - Written by Jimmy Sweeney and Mitch Selleck
Spies Beware!
Spyware, Adware And Viruses: Have you heard of the terms spyware and adware?
Well, they are not only an ever-increasing nuisance for computer users everywhere, but
also a booming industry. According to Webroot Software, Inc., the distribution of
online advertisements through spyware and adware has become a MULTI-BILLION
DOLLAR business.
You might be asking:
"Why do I feel as if somebody's watching me?"
Probably because somebody is! According to the
National Cyber Security Alliance, spyware infects
more than 90% of all PCs today. These nasty
programs are designed to silently bypass firewalls
and anti-virus software without the user's knowledge.
Once embedded in a computer, it can wreak havoc on the system's performance while
gathering your personal information. Fortunately, unlike viruses and worms, spyware
programs do not usually self-replicate.
Where Do They Come From?
Like viruses, spyware and adware can find their way to your computer from email
attachments, software downloads, especially freeware and shareware.
What Can Spyware Programs Do?
Some of their deeds are simply annoying for the user; others can become downright
aggressive.
Spyware and Adware can:
· Monitor your keystrokes for reporting purposes.
· Scan files located on your hard drive.
· Snoop through applications on your desktop.
· Install other spyware programs onto your computer.
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Be Safe Online! - 'Revenge of the Online Shopper' - Written by Jimmy Sweeney and Mitch Selleck
· Read your cookies.
· Steal credit card numbers, passwords, and other personal information.
· Mutate into a second generation of spyware thus making it more
difficult to eradicate.
· Cause your computer to run slower.
· Deliver annoying pop-up advertisements.
· Add advertising links to web pages for which the real author does not get paid.
· Provide the user with no uninstall option and places itself in unexpected
or hidden places within your computer making it difficult to remove.
YUCK! How Can I Prevent Or Combat Spyware And Viruses?
Let's keep this section simple and powerful for you: You
must invest in a reliable commercial anti-spyware and virus
program. There are several currently on the market.
Personally, Here's My Weekly "Combat" Routine:
1. I scan my computer using Norton® AntiVirus.
2. I scan my computer with AOL's Spyware Protection. (free popular download)
3. I run Spybot - Search and Destroy®. (free popular download)
4. I run Ad-aware®. (free popular download).
NOTE: Make sure you're downloading the REAL versions of Spybot and Ad-aware if
you choose to use these. If you're not sure ask a computer technician to help you with
this.
Bottom line: There are a TON of free and paid virus and spyware software
solutions for you to choose from online. I've listed what works for me. I recommend
running two, three or more anti-virus and spyware protection software programs at
least once a week to keep your computer as "yuck free" as possible
I still surf the web using Internet Explorer® but many people use the Mozilla Firefox®
browser which is reportedly not as susceptible to viruses. However, things change
quickly online and there are no absolutes.
Many people prefer to use an Apple® (Mac) computer because spyware, adware and
viruses are not nearly the problem they are with regular PC's.
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