Building your savings account: things you can do on a monthly basis to save and put money away

Saving money does not have to be that difficult. You just need practice, after getting used to investing money constantly, you can save enough money for emergency situations, pensions and other goals you want to achieve. You can do it.  All you need is a positive attitude and an effective strategy that will take your savings to the next level.

Start saving now
Even if the economy is doing well, most Americans have not received a raise for a long time, so it’s not surprising that many of us struggle to save. But saving is better than not saving. The faster you develop your savings habits, the better it will be.

Start with the small and save often. If you cannot earn 1000 USD this month, you will save 20 USD a week.

Set daily, monthly and annual goals.
Having a list of goals you can work on is a good start. But the best thing is that you save money by doing things regularly. Do not just plan to save money because you want to travel to another continent or buy a good house. Find ways to save less and save more every day, month and year. Here are some ideas in case you take out space.

Monthly savings tips
• Save electricity: if the electricity bill is too high, it is time for a change. Find ways to reduce your monthly electricity bill. Switch to suppliers that charge lower prices and make changes to save heating and cooling.

• Lower debt payment: spend too much money on credit cards or student loans? If you increase your credit rating, you may qualify for lower interest rates. Consider reducing the offer and finding out if you can save student loans by refinancing or by submitting a payment plan related to your income.

• Save insurance: look for cheaper insurance from other providers. And figure out if you can afford a higher refund.

Define your objectives clearly
Some people are not motivated to save money. Others want to save money, but do not know where to start. That is why it is important to establish specific and realistic goals. Once you know why you are delaying part of your salary, it is easier to save than to spend extra money.

Make sure you have enough money to meet your immediate and future needs. Here are some savings goals that everyone should have.

Tips for long-term savings.
• Save at home ready to survive the American dream? Start making advance payments, monthly mortgage payments, property taxes and insurance premiums. If you are still renting, find a roommate to save money. Taking a second job is another way to get extra money.

• Save money on your child’s education. It’s never too early to think about your son’s college career. Parents should consider saving money in a special tax account, such as the 529 package.

• Save for the future. Do you have enough money to survive in the 60s, 70s and so on? Make a budget for your own future and prepare a plan that saves you enough money to pay bills, medical expenses and travel.

Short tips to save
• Except for emergency situations. It is very important to maintain the threat status for at least three to six months. Prepare unexpected things by throwing money into a high efficiency savings account.

• Save for more purchases. Are you planning to replace a refrigerator or a new car? Save as much as possible and use the correct premium credit card if you want to start buying.

• Save for vacations everyone deserves a rest. Make sure you have enough money to enjoy your time by eliminating unnecessary costs and placing the money in a separate travel account. If you cannot go too far, staying at night is always an option.

Loans: types of loans we offer and how we understand the area better than an outside loan office

Grand Mountain Bank is the only local bank in Grand County, Colorado. The
headquarters of the company is located in Granby, Colorado, and has FOUR
locations. The Summit County loan office is also located in Frisco.

Grand Mountain Banks understands this area better than outside banks and is
also popular with local residents. We offer a wide range of loans, depending on
your needs; Personal loans and commercial loans.

Commercial loans:
Build your business! We offer small business loans to finance equipment, new
vehicles and buy new supplies.

Commercial credit line:
Pay in difficult times this year or wait for your customers? We offer lines of
credit that will help you survive these times.

Loans for commercial real estate:
Are you building, buying or refinancing your office building? We offer variable
loans or fixed interest rates backed by small commercial real estate.

________________

Personal loans

Home equity loan:
We offer the first trust agreement to finance your own capital to finance
renovations of homes, new cars or dream vacations.

Home construction loan:
Build the house of your dreams in the mountains. We offer short-term loans
with interest payments as pre-financing. Loans are available for individuals or
contractors who meet the requirements.

land loan:
Banks offer loans that are guaranteed in the first trust contract on
undeveloped land for the future home.

Auto loan:
Loans for financing new or used cars or trucks.

Home mortgage loan:
Buy or refinance your home or apartment in Grand Mountain Bank. We offer
secured loans for the first deed of trust with a fixed or fixed interest rate of 10,
15, 20 and 30 years. Primary, secondary or investment real estate.

Overdraft protection:
Protection of credit in the current account due to checks reimbursed due to
insufficient funds

Other consumer loans:

Personal loans are available for a variety of reasons and are guaranteed by
different types of guarantees.

Contact us today at 970.887.1221 or stop by at any of our locations – Grand
County, Fraser, Granby, Grand Lake and Kremmling. Also our loan office in
Frisco – 970.455.8409

Social media tips for your business

Social Media Marketing Tips

Marketing your small business in social media: tips on what to do and what not to do. What social outlets are best for small businesses?

Tips on what to do and what not to do:

Domination on the platform
Find out where the target customers spend their time online. Then select the social platform and dominate it. Request your profile in other networks, but most focus on it. Listen first you must be friends online.

Build your authority
As a business owner, I’m sure you will not be able to over-invest in your LinkedIn presence in 2018. This also applies to anyone who wants to promote their career or success, especially in sales or marketing. Focus on growth in number Recipients and engaging with LinkedIn can increase sales and conversion rates, and this will also lead to extraordinary opportunities for cooperation.

Lead with the objective
Start with the three most important marketing goals and then see how social media can help you. Very often, entrepreneurs think of the idea: “I have to be there, I have to be in all these new places, or I’ll miss you. The social media should help you achieve your goals or it’s simply a waste of time.

Show gratitude
The most important thing about social media is that it's not just about you! Social networks are not a monologue in which you tell the world about the prizes won or special offers of products and services. It is an opportunity to connect significantly with people who have helped and supported your small business. When you think of 10 to 20 people in your company, social networks help you recognize and appreciate their help.

Start a conversation
The most important thing in Facebook is to remember that the algorithms used is to reward publications that are interacting. If a company publishes something, but nobody answers, Facebook will not show it to anyone. They try to ensure people stay on their website and can only do so by showing their contributions and stories.

Do not try doing it yourself
As a small business owner, your time is limited. Publish social networks to someone (or team) in your company or hire an external expert. Then, add the cost of your social media strategy to your budget.

Standing out
Social networks are personal, it’s your personal brand, and then your work or business, you have to convey your brand, go above the noise, other, you do not have to wear a superhero costume, but in the noisy world of social networks, you must stand out.

What social outlets are best for small businesses?
LinkedIn
Facebook.
Instagram
SlideShare.

However, you must ensure that you use the correct content type on the correct platform. You must adapt the social media strategy using the social platform you want to use or already using.

Here at Grand Mountain Bank, we understand small business owners wear more than one hat in the company. By breaking down your social media and focusing on one or two outlets you can be successful without spending a lot of time.

Interested in a small business loan to grow with a loan? Contact us today! 970.887.1221

Middle Park High School Baseball Radio Broadcast Schedule

Middle Park High School Baseball

Radio 930 AM or 101.9 FM

Thursday, 4/18 at 4 pm MPHS vs. Jefferson

Saturday, 4/20 at 11 am MPHS vs. KIPP

Tuesday, 4/23 at 4pm MPHS @ Riffle

Thursday, 4/25 at 5 pm MPHS @ Bennett

Saturday, 4/27 at 11 am MPHS vs. Platte Canyon

Saturday, 4/27 at 3 pm MPSH vs. Bruce Randolph (This game may be rescheduled)

Thursday, 5/2 at 3:30 pm MPHS vs. Clear Creek

Friday, 5/3 at 3:30 pm MPHS vs. Moffatt County

Wednesday, 5/8 at 11:00 am MPHS @ Moffatt County

Thursday, 5/9 at 4:30 pm MPHS vs. Aspen

Monday, 5/13 at 5:00 pm MPHS vs. DSST

All Playoff Games!

Listen to the live stream at www.alwaymountaintime.com/krky

All broadcasted games will be recorded and available for replay at:

www.coloradosportsnetwork.com/mphs

SCHEDULE IS SUBJECT TO CHANGE DUE TO WEATHER OR OTHER CIRCUMSTANCES

Building credit: start rebuilding the loan, what you can do to build your credit

Good Credit, Poor Credit

Getting rid of bad credit information report and processing previous invoices or debt bills is the best way to rebuild bad credit. To increase your credit score to a level high enough to be approved for credit and loan cards and qualify for higher interest rates, you must go beyond the preliminary steps. You must show your new creditors and lenders that you can handle the loan responsibly and not accept new applications once they have been approved. Rebuilding the loan can be difficult, but after getting the boost you will get a good credit rating.

Good Credit, Poor Credit
  1. Start by receiving a new fund account

    If you do not have your credit card due to bad credit, you must buy at least one new account. Many people rely on old credit cards after bad loans; for fear that new credit cards will only make it difficult. However, avoiding credit cards makes it difficult to rebuild your credit. Using the correct credit card will help you get a positive payment history and help you get a better credit score.

    A low credit rating makes it difficult for large banks to accept credit cards. Fortunately, even with bad credit score, you still have several options. Do not apply for too many credit cards at once. Each application has an impact on your credit rating, which makes it difficult to approve other accounts.

    When searching for a new credit card, look for high-risk credit cards that are victims of bad credit. These credit cards often have high interest rates and very high rates, which makes the loan an obstacle. Many people are in debt due to a damaged loan after trying to rebuild with one of these types of credit cards.

    You should also avoid prepaid credit cards as a way to rebuild a bad credit. Even if you have a prepaid credit card regardless of your credit history, you will not be reported to the credit bureaus because they are not credit cards. No matter how responsible you are, using a prepaid card cannot help you keep your balance.

    It is important to handle rejections correctly. If the credit card application is rejected, do not add any additional credit cards. Instead, wait until you receive a letter in the email with the exact reason for the denial. If they reject it, it may not have anything to do with their solvency, but it may be another factor, such as their income.

  2. Change bad credit with good credit

    If, practice really makes it perfect, the next step is to apply good credit habits to practice. Your bad credit will not improve until you prove to your creditors that you possess the qualifications necessary to obtain a good result. This means that only what you can afford is counted, and the bills are paid on time each month. Do not put too many credit cards in this conversion period, as it can be difficult to manage your payments and balances.

     

  3. Pay everything on time

    Your payment history is the most important factor in rebuilding credit. Even if the payments are not regularly exchanged on the credit report, the payment may eventually end if the payments are delayed. Avoid pre-determined payments on all accounts, including small fines, school meals and medical bills. More and more companies use the services of debt collection agencies to track the accounts of their unpaid customers. If one of your accounts goes into debt collection, it will be reported to the credit agency and will remain on your credit report for seven years. This will damage your progress.

     

  4. Build a better credit habits

    If you do what you always do, you will get what you always get. To create a new loan, you must replace buying habits with new and better reliable purchases. If not, you will return to the place where you have worked so hard to leave.

    The days are over when you can make up for the things you cannot pay, simply pay the minimum and do not pay with a credit card. The increase in your credit rating means that you will stay well below your credit line and pay your bills with your credit card on time, preferably in full.

     

Meeting Kari Moe – Assistant Vice President – Loan Officer

Kari moved to the valley two weeks after graduating from the University of Wisconsin to work for the National Park Service. Kari enjoyed working at Rocky Mountain National Park and driving snow cat tours at Winter Park Resort for her first few years in Grand County. She planned on going back to school to earn her Master’s Degree in Conservation Biology, but fell in love with the valley and decided to stay. In 2004, Kari got her first banking job at Community First National Bank as a part-time teller. She has worked in banking ever since and is currently an Assistant Vice President and Loan Officer at Grand Mountain Bank. Kari came to Grand County with her college sweetheart. They got married and have two beautiful daughters. They enjoy raising their family in this great community and love all the opportunities there are for outdoor activities. They also like the proximity to Denver so they can experience city culture and entertainment. What does a Loan Officer do? As community bankers, we meet with individuals who have loan requests and help them with the application process. We underwrite and present our loans on a weekly basis for approval by our local loan committee. We work with our customers through the closing and continued servicing of the loan. We also provide credit counseling. Grand Mountain Bank offers conventional mortgage products as well as in-house or portfolio loans. We can finance land purchases, construction projects, purchases and refinances of primary, secondary and investment properties. We also offer commercial loans including business lines of credit, commercial real estate and equipment financing. There is not much that we can’t help a customer with! Sometimes I get referrals to meet with first time home buyers. I enjoy visiting with them and walking them through the process. It can be a little overwhelming for them at times, especially in Grand County, as there are so many unique properties and borrowers with seasonal employment. I’m here to guide them towards taking the best steps to qualify. We also work with a lot of second home owners, self-employed borrowers and customers with retirement or other income sources that are not as cut and dried as W2 wages. I’ve always enjoyed structuring loans to create options that will work for them. Sometimes, borrowers have an existing banking relationship in Denver or in another state, but they find that because their desired property offers time shares or has front desk services, their current lender cannot provide financing. We frequently receive last minute phone calls and are usually able to step in and lend on the collateral in-house. What is your favorite part of your job? I love meeting with people. I used to work in the tourism industry and enjoyed interacting with the public. A great perk about working here is that I get to work with locals, too. I can help them buy or build a home or grow their business, which in turn helps them establish roots in the community. What makes Grand Mountain Bank stand out? We are the only locally based and operated bank in Grand County. Our local decision making allows us the flexibility to offer loan products and services to meet the needs of our customers. We are also locally focused on our community from Kremmling to Winter Park. We live here and are familiar with the different types of properties and their locations. We offer the same variety of products and services as other banks but with personalized service. When you call the Bank, you will be greeted by an individual not an automated message. Though financing involves numbers and documentation, we pride ourselves in making excellent customer service our top priority. What are some things people don’t know about you? I used to be a Park Ranger and snow cat driver. In high school, I competed in show choir and pom poms/dance at a state and national level. I’ve bungee jumped off a gondola and have been paragliding in Switzerland. Find out what Kari or one of our other local lenders can do for you! Contact us today and let’s chat!

Kari moved to the valley two weeks after graduating from the University of Wisconsin to work for the National Park Service. Kari enjoyed working at Rocky Mountain National Park and driving snowcat tours at Winter Park Resort for her first few years in Grand County. She planned on going back to school to earn her Master’s Degree in Conservation Biology, but fell in love with the valley and decided to stay. In 2004, Kari got her first banking job at Community First National Bank as a part-time teller. She has worked in banking ever since and is currently an Assistant Vice President and Loan Officer at Grand Mountain Bank. 

Kari came to Grand County with her college sweetheart. They got married and have two beautiful daughters. They enjoy raising their family in this great community and love all the opportunities there are for outdoor activities. They also like the proximity to Denver so they can experience city culture and entertainment.

Kari Moe and Her Family

What does a Loan Officer do?

As community bankers, we meet with individuals who have loan requests and help them with the application process. We underwrite and present our loans on a weekly basis for approval by our local loan committee. We work with our customers through the closing and continued servicing of the loan. We also provide credit counseling.

Grand Mountain Bank offers conventional mortgage products as well as in-house or portfolio loans. We can finance land purchases, construction projects, purchases and refinances of primary, secondary and investment properties. We also offer commercial loans including business lines of credit, commercial real estate and equipment financing. There is not much that we can’t help a customer with!

Sometimes I get referrals to meet with first time home buyers. I enjoy visiting with them and walking them through the process. It can be a little overwhelming for them at times, especially in Grand County, as there are so many unique properties and borrowers with seasonal employment. I’m here to guide them towards taking the best steps to qualify.

We also work with a lot of second home owners, self-employed borrowers and customers with retirement or other income sources that are not as cut and dried as W2 wages. I’ve always enjoyed structuring loans to create options that will work for them.

Sometimes, borrowers have an existing banking relationship in Denver or in another state, but they find that because their desired property offers time shares or has front desk services, their current lender cannot provide financing. We frequently receive last minute phone calls and are usually able to step in and lend on the collateral in-house.

What is your favorite part of your job?

I love meeting with people. I used to work in the tourism industry and enjoyed interacting with the public. A great perk about working here is that I get to work with locals, too. I can help them buy or build a home or grow their business, which in turn helps them establish roots in the community.

What makes Grand Mountain Bank stand out?

We are the only locally based and operated bank in Grand County. Our local decision making allows us the flexibility to offer loan products and services to meet the needs of our customers. We are also locally focused on our community from Kremmling to Winter Park. We live here and are familiar with the different types of properties and their locations.  We offer the same variety of products and services as other banks but with personalized service. When you call the Bank, you will be greeted by an individual not an automated message.  Though financing involves numbers and documentation, we pride ourselves in making excellent customer service our top priority.

What are some things people don’t know about you?

I used to be a Park Ranger and snow cat driver. In high school, I competed in show choir and pom poms/dance at a state and national level. I’ve bungee jumped off a gondola and have been paragliding in Switzerland.

Find out what Kari or one of our other local lenders can do for you! Contact us today and let’s chat!

How to Spot and Avoid Common Scams

From the desk of Frank DeLay, President Grand Mountain Bank, FSB

Have you ever gotten an email from someone claiming to be royalty? In their email they tell you that they will inherit millions of dollars, but need your money and bank details to get access to that inheritance.

You know this email isn’t legitimate, so you delete it, yet there are many more scams being perpetrated by criminals that sound more believable and aren’t as easy to spot. Learning to identify and avoid these scams is the first step in protecting yourself from these schemes. Senior Citizens are often particularly vulnerable to some of these fraud campaigns. The world today is full of cybercriminals launching both phishing emails, and the tried and true phone scams that never fell out of fashion. Protecting not only your finances, but also your data from these scams is more important now than ever.

Phone Scams

Scammers who operate by phone can seem legitimate and are typically very persuasive! To draw you in to their scam, they might:

• Sound friendly, call you by your first name, and make small talk to get to know you

• Claim to work for a company or organization you trust such as: a bank, a software or other vendor you use, the police department, or a government agency

• Threaten you with fines or charges that must be paid immediately

• Mention exaggerated or fake prizes, products, or services such as credit and loans, extended car warranties, charitable causes, or computer support

• Ask for login credentials or personal sensitive information

• Request payments to be made using odd methods, like gift cards

• Use prerecorded messages, or robocalls

If you receive a suspicious phone call or robocall, the easiest solution is to hang up. You can then block the caller’s phone number and register your phone number on the National Do Not Call Registry (https://www.ftc.gov/donotcall).1

Email Scams

Phishing emails are convincing and trick many people into providing personal data. These emails tend to be written versions of the scam phone calls described above. Some signs of phishing emails are:

• Imploring you to act immediately, offering something that sounds too good to be true, or asking for personal or financial information2

• Emails appearing to be from executive leadership you work with requesting information about you or colleagues that they usually do not request (for example, W2s)

• Unexpected emails appearing to be from people, organizations, or companies you trust that will ask you to click on a link and then disclose personal information.3 Always hover your mouse over the link to see if it will direct you to a legitimate website

• Typos, vague and general wording, and nonspecific greetings like “Dear customer”3

• Beware that many scam and phishing emails look legitimate! An email pretending to be a company might contain pictures or text mimicking the company’s real emails. If you’re unsure about an email you received, there are some steps you can take to protect yourself:

• Do not click links or open attachments in emails you were not expecting3

• Do not enter any personal, login, or financial information when prompted by an unsolicited email 3

• Do not respond to or forward emails you suspect to be a scam3

• If in doubt, contact the person or organization the email claims to have been sent by using contact information you find for yourself on their official website3

If you get scam phone calls or phishing emails at home, hang up or delete the emails. If you get scam phone calls or phishing emails at work, let your organization’s security or Information Technology team know so they can help protect others from these scams! Additionally, please educate your parents and grandparents on these scams, as they are becoming only more and more common.

Resources:

https://www.consumer.ftc.gov/articles/0076-phone-scams

https://www.stopthinkconnect.org/tips-advice/general-tips-and-advice

https://staysafeonline.org/stay-safe-online/online-safety-basics/spam-and-phishing/

Safer Internet Day (SID)

Tuesday, February 5, 2019, was Safety Internet Day (SID), with the slogan, “Together for a better Internet”, which is a call to action for everyone to help create a better internet!

Here at Grand Mountain Bank, we care about your safety and making positive choices both online and with your banking. Promoting Safety Internet Day helps raise awareness both in our wonderful communities and on the vast internet.

Over the years (SID) has become well known around the world for raising awareness and educating users to ensure a safe and healthy approach to using the internet.

SID has created both a safer and a better internet, where everyone is encouraged to use technology in a way that is responsible, respectful, and educational and helps get the creative juices flowing.

Everyone plays an important role in accomplishing SID:

Children and Young People
When on the internet, children can be kind and respectful to others they interact with. Protect their online reputations and others by searching positive outlets to engage and share through their social media outlets.

Parents and Caregivers
Can play an important role in a safer internet by monitoring their kids’ online activities. Encouraging self-limits on the amount of time spent online, educating the use of technology safely & positively and simply being a positive role model with your own use.

Teachers, Educators, and Social Workers
Can create a better internet by teaching student’s digital literacy skills and critical thinking skills which will ultimately help make positive choices while online. Encourage creating their own content and credit content being used.

Industry
Can contribute by promoting positive content and making sure services being offered are secure and safe. Also, provide support if the user has trouble or if things go wrong.

Decision Makers and Politicians 
Making sure technology and education are provided to everyone. Online safety is included in each school’s curriculum and provides the technology needed. They must also take the lead in governance and legislation, and ultimately ensure the safety and wellbeing of children and young people through effective child protection strategies for the digital world.

All of us are responsible to make a positive difference online. Kindness and accountability go a long way online and in person. The way we connect with one other matter! Report any inappropriate or illegal content and behavior you find online.

Additional steps to protect personal identity and safety:

1) Limit personal information – Giving out your expertise and professional background and main contact info is okay. Don’t give out your relationship status, home address, etc.

2) Check-in with your privacy settings – It’s always a good idea to check your privacy settings on web browsers, mobile operating systems, and social media accounts.

3) Careful what you click on – Cybercriminals use lurid content so don’t be tempted to click on something that might expose personal data or download malware.

4) Double check your internet connection – It’s always best to connect to a secure Wi-Fi network. Public Wi-Fi connections don’t have direct control when it comes to security. If on a public Wi-Fi never expose any personal information while browsing.

5) Always check what you download – Downloading a zip file from someone you know or don’t know can get you a Malware virus. Always double check what is being sent to you. Apps can also contain Malware so always download from a reliable source – Apple or Android store.

6) Choose strong passwords – Using the same or easy password for all your online accounts is asking for trouble. Password manager software can help you manage and remember a unique password for each online account.

7) Make Online purchases only from secure sites – Always make sure the site you’re visiting has an SSL certificate. This keeps personal information protected on shopping pages. You’ll know a site has an SSL certificate if the url starts with https://.

8) Posting awareness – Social Media is a great way to share your life’s adventures with family and friends but always think twice before posting information that could be used against you in unexpected ways.

9) Watch out for “fake” friends – Friend requests are a great way to meet new people but before accepting that “friend” view their profile and make sure they have multiple friends, they actually post about stuff and people like their posts.

10) Monitoring software – Make sure your anti-virus software is always up-to-date, this will give your devices extra security and peace of mind.

Resources:
https://www.saferinternetday.org/
https://saferinternetday.us/

Cyber fraud: How to protect yourself and recent scams to watch out for

protect from fraud and scams

Cybercrime is a constant threat; one might think that the only forms of cybercrime that can be feared are hackers who steal financial information. There are threats that are more than just financial problems. Cybercrime continues to grow, new threats appear every year.

It’s good to know how to recognize cybercrime. This can be the first step to protect yourself and your information. It is also an important step to take some basic precautions and find out who to turn to when pursuing other criminal activities on the Internet.

How can you protect yourself?

1. Do not fall in love with pop-ups.

If you are asked for a username or password in an email or pop-up window, do not. Open your browser and go directly to the site. If you are still not sure, contact the company. A trusted company will never request access data by email.

2. Keep your password safe

Do not allow other people to access a password protected website without your presence. Then change the password. Even the kindest people can make you the victim of cyber-attacks when your computer becomes infected.

3. Your password
It is understandable that you want the password to be easy to remember, but it hurts your computer and perhaps your finances. The length of the password must have at least eight characters. It contains a combination of numbers, letters and symbols; No words that refer to you. Use a mass storage device instead. Use the first letter of each word and enter the date. “Ericka was born in 1998 in Chicago.” Your password can be “EwbiC1998 $” (add the symbol chosen at the end). Hacker reported that he entered the most secure website using weak user passwords.

4. Low technology
If you have a password table or other highly sensitive digital file, you should store it on an old computer that is not connected to the Internet. If you do not have an additional computer, encrypt the file using one of the many free tools to encrypt files.

5. Two places
Another layer of protection can be the storage of files in two locations. Copy the encrypted file to a DVD or flash disk and send it to a trusted family member or friend. If your computer is infected with a virus and you cannot use it temporarily, you still have access to these files.

6. Stay away from bad environments
We know that some activities involve a greater risk of being victims of a cyber-crime. When you visit piracy sites, browse adult content or visit websites that you know are cheating; you are more vulnerable to cyber-attacks than to trusted ones.

Recent scams to watch out for

1. Phishing
Receive emails from companies that you think are legitimate, such as: from a bank, university or retail you visit frequently. The message goes to a website, which is usually used to verify personal information, such as email addresses and passwords, which steals information and causes the computer to hit. The most common are phishing scams. In general, it is believed that attacks on target data that reached millions of victims began with phishing scams.

2. You have been approved in advance!
You will receive a letter or an email confirming that you have approved your credit card or bank loan. Those who suffer from financial burdens can be victims of this scam that promises immediate approval and attractive credit limits. Catch? You must pay the fee in advance and at the time of registration.

3. Fraud 419 (prepaid) scams
419 or “Nigerian Scam” is one of the most common online scams you can see in your inbox. According to the FBI, this fraud system, which bears the name of the Criminal Code article of Nigeria, which prohibits fraud, in 2013-2018 allocated 12.7 billion dollars for fake bags.

If you are worried that a bank or a credit card company exposes you to cyber-attacks, your actions make you a victim. Focus on what you can do to protect yourself and your computer. Regularly check your financial account to make sure no fraud occurs.

Making sure all your accounts online are secure

Data secure accounts

If there is a data breach on a large commercial or financial site, you cannot do anything other than change your password, obtain a new credit card and freeze your balance. The ransomware can brick a computer effectively until it pays the ransom. Data stealing Trojans can cancel all secure logins. Fortunately, you can do many things to overcome these local problems.

Data secure accounts
  1. Do not be the victim of click bait

    Part of securing your life online is being smart in what you click. Click Feed applies not only to movies with different cats and interesting titles. It can also contain links in email messages, messaging applications and Facebook. Phishing links are passed through secure websites and we hope you provide them with your credentials. The disaster download site can automatically download and infect your device with malware.

    Do not click on links in emails or text messages unless they come from sources you believe in. Be careful even then; your trusted source may have been compromised or the message was false. The same applies to links on social networks, even those that seem to come from your friends. If the publication looks different to your friend’s social networking style, it could be piracy.

     

  2. Use a unique password for each login

    Hackers are the easiest way to steal information by downloading a set of username and password combinations from a source and testing these combinations elsewhere. For example, suppose a hacker has your username and password to hack into an email provider. You can try to access a large banking website or online store using the same combination of username and password. The only way to prevent the violation of domain data is to use a unique password for each online account.

    Creating a unique and secure password for each account is not a human task. That’s why you’re using a password manager. Some excellent password managers are free and will not take long to be used. However, password managers usually offer more features.

    If you are using a password manager, you only need to remember the main password that the password manager blocks. After unlocking, Password Manager will automatically enter it into your online account. This not only helps you be more secure, but also increases productivity and productivity. You do not have to worry about entering your registry or dealing with the frustration of spending time changing passwords.

     

  3. Disable the Save password feature in your browser

    Most browsers have a built-in password management solution that can tell you about your browser’s knowledge. We do not recommend them. It is better to send password protection to experts who create password managers.

    Think about it. After installing a third-party password manager, it is generally recommended to import a password from the browser store. If the password manager can do this, you can be sure that the malware can do the same. If you save your password in a central password manager, you can use it in all browsers and devices.

     

  4.  Protect your privacy in social networks

    The Facebook data collected by Cambridge Analytics is convincing with little security. If you are smart enough not to load applications, researchers do not directly receive personal information, but may receive some data from less cautious friends.

    You can significantly reduce the amount of data on Facebook by completely disabling the sharing platform. After doing this, your friends will not lose your personal information. You cannot lose data in the application because you cannot use the application. You cannot use Facebook to register on other websites (which is always a bad idea).

    Of course, other social networking sites require attention. Google can know more about you than Facebook. Take steps to protect privacy on Google. Make sure you have set up all the social networking sites so that your posts are not public (all except Twitter). Think twice before giving too much in a publication, because your friends can share it with others. You can carefully protect your privacy without losing entertainment and connect to social networks.