Monday, January 13, 2014

Attacks and Threats.Page - 3

* Understanding Denial-of-Service Attacks

* Understanding Hidden Threats: Corrupted Software Files

* Understanding Hidden Threats: Rootkits and Botnets

* Recognizing Fake Antiviruses

* Avoiding the Pitfalls of Online Trading

* Avoiding Social Engineering and Phishing Attacks

* Dealing with Cyberbullies

* Identifying Hoaxes and Urban Legends

* Preventing and Responding to Identity Theft

* Recognizing and Avoiding Spyware

* Recovering from Viruses, Worms, and Trojan Horses
Email and CommunicationPage - 18

* Using Instant Messaging and Chat Rooms Safely

* Benefits of BCC

* Benefits and Risks of Free Email Services

* Reducing Spam

* Staying Safe on Social Network Sites

* Understanding Digital Signatures

* Understanding Your Computer: Email Clients

* Using Caution with Email Attachments
General Information.Page - 30

* Why is Cyber Security a Problem?

* Understanding ISPs

* Guidelines for Publishing Information Online
General Security.Page - 34

* Understanding Anti-Virus Software

* Understanding Firewalls

* Choosing and Protecting Passwords

* Coordinating Virus and Spyware Defense

* Debunking Some Common Myths

* Good Security Habits

* Keeping Children Safe Online

* Real-World Warnings Keep You Safe Online

* Safeguarding Your Data
Mobile Devices..Page - 46

* Cybersecurity for Electronic Devices

* Defending Cell Phones and PDAs Against Attack

* Holiday Traveling with Personal Internet-Enabled Devices

* Protecting Portable Devices: Data Security

* Protecting Portable Devices: Physical Security

* Securing Wireless Networks

* Using Caution with USB Drives
Privacy Page - 54

* Supplementing Passwords

* Understanding Encryption

* Effectively Erasing Files

* How Anonymous Are You?

* Protecting Your Privacy
Safe Browsing Page - 62

* Understanding Your Computer: Web Browsers

* Understanding Internationalized Domain Names

* Avoiding Copyright Infringement

* Understanding Web Site Certificates

* Understanding Your Computer: Web Browsers

* Browsing Safely: Understanding Active Content and Cookies

* Evaluating Your Web Browser's Security Settings

* Shopping Safely Online

* Understanding Bluetooth Technology
Software and Applications Page - 75

* Reviewing End-User License Agreements

* Risks of File-Sharing Technology

* Understanding Patches

* Understanding Voice over Internet Protocol (VoIP)

* Understanding Your Computer: Operating Systems





Understanding Denial-of-Service Attacks
What is a denial-of-service (DoS) attack?
In a denial-of-service (DoS) attack, an attacker attempts to prevent legitimate users from accessing information or services. By targeting your computer and its network connection, or the computers and network of the sites you are trying to use, an attacker may be able to prevent you from accessing email, websites, online accounts (banking, etc.), or other services that rely on the affected computer.
The most common and obvious type of DoS attack occurs when an attacker "floods" a network with information. When you type a URL for a particular website into your browser, you are sending a request to that site's computer server to view the page. The server can only process a certain number of requests at once, so if an attacker overloads the server with requests, it can't process your request. This is a "denial of service" because you can't access that site.
An attacker can use spam email messages to launch a similar attack on your email account. Whether you have an email account supplied by your employer or one available through a free service such as Yahoo or Hotmail, you are assigned a specific quota, which limits the amount of data you can have in your account at any given time. By sending many, or large, email messages to the account, an attacker can consume your quota, preventing you from receiving legitimate messages.
What is a distributed denial-of-service (DDoS) attack?
In a distributed denial-of-service (DDoS) attack, an attacker may use your computer to attack another computer. By taking advantage of security vulnerabilities or weaknesses, an attacker could take control of your computer. He or she could then force your computer to send huge amounts of data to a website or send spam to particular email addresses. The attack is "distributed" because the attacker is using multiple computers, including yours, to launch the denial-of-service attack.
How do you avoid being part of the problem?
Unfortunately, there are no effective ways to prevent being the victim of a DoS or DDoS attack, but there are steps you can take to reduce the likelihood that an attacker will use your computer to attack other computers:

* Install and maintain anti-virus software (see Understanding Anti-Virus Software for more information).

* Install a firewall, and configure it to restrict traffic coming into and leaving your computer (see Understanding Firewalls for more information).

* Follow good security practices for distributing your email address (see Reducing Spam for more information). Applying email filters may help you manage unwanted traffic.
How do you know if an attack is happening?
Not all disruptions to service are the result of a denial-of-service attack. There may be technical problems with a particular network, or system administrators may be performing maintenance. However, the following symptoms could indicate a DoS or DDoS attack:

* unusually slow network performance (opening files or accessing websites)

* unavailability of a particular website

* inability to access any website

* dramatic increase in the amount of spam you receive in your account
What do you do if you think you are experiencing an attack?
Even if you do correctly identify a DoS or DDoS attack, it is unlikely that you will be able to determine the actual target or source of the attack. Contact the appropriate technical professionals for assistance.

* If you notice that you cannot access your own files or reach any external websites from your work computer, contact your network administrators. This may indicate that your computer or your organization's network is being attacked.

* If you are having a similar experience on your home computer, consider contacting your internet service provider (ISP). If there is a problem, the ISP might be able to advise you of an appropriate course of action.
Author
Mindi McDowell
Understanding Hidden Threats: Corrupted Software Files
What types of files can attackers corrupt?
An attacker may be able to insert malicious code into any file, including common file types that you would normally consider safe. These files may include documents created with word processing software, spreadsheets, or image files. After corrupting the file, an attacker may distribute it through email or post it to a website. Depending on the type of malicious code, you may infect your computer by just opening the file.
When corrupting files, attackers often take advantage of vulnerabilities that they discover in the software that is used to create or open the file. These vulnerabilities may allow attackers to insert and execute malicious scripts or code, and they are not always detected. Sometimes the vulnerability involves a combination of certain files (such as a particular piece of software running on a particular operating system) or only affects certain versions of a software program.
What problems can malicious files cause?
There are various types of malicious code, including viruses, worms, and Trojan horses (see Why is Cyber Security a Problem? for more information). However, the range of consequences varies even within these categories. The malicious code may be designed to perform one or more functions, including

* interfering with your computer's ability to process information by consuming memory or bandwidth (causing your computer to become significantly slower or even "freeze")

* installing, altering, or deleting files on your computer

* giving the attacker access to your computer

* using your computer to attack other computers (see Understanding Denial-of-Service Attacks for more information)
How can you protect yourself?

* Use and maintain anti-virus software - Anti-virus software can often recognize and protect your computer against most known viruses, so you may be able to detect and remove the virus before it can do any damage (see Understanding Anti-Virus Software for more information). Because attackers are continually writing new viruses, it is important to keep your definitions up to date.

* Use caution with email attachments - Do not open email attachments that you were not expecting, especially if they are from people you do not know. If you decide to open an email attachment, scan it for viruses first (see Using Caution with Email Attachments for more information). Not only is it possible for attackers to "spoof" the source of an email message, but your legitimate contacts may unknowingly send you an infected file. If your email program automatically downloads and opens attachments, check your settings to see if you can disable this feature.

* Be wary of downloadable files on websites - Avoid downloading files from sites that you do not trust. If you are getting the files from a supposedly secure site, look for a website certificate (see Understanding Web Site Certificates for more information). If you do download a file from a website, consider saving it to your computer and manually scanning it for viruses before opening it.

* Keep software up to date - Install software patches so that attackers cannot take advantage of known problems or vulnerabilities (see Understanding Patches for more information). Many operating systems offer automatic updates. If this option is available, you should enable it.

* Take advantage of security settings - Check the security settings of your email client and your web browser (see Evaluating Your Web Browser's Security Settings for more information). Apply the highest level of security available that still gives you the functionality you need.
Understanding Hidden Threats: Rootkits and Botnets
What are rootkits and botnets?
A rootkit is a piece of software that can be installed and hidden on your computer without your knowledge. It may be included in a larger software package or installed by an attacker who has been able to take advantage of a vulnerability on your computer or has convinced you to download it (see Avoiding Social Engineering and Phishing Attacks for more information). Rootkits are not necessarily malicious, but they may hide malicious activities. Attackers may be able to access information, monitor your actions, modify programs, or perform other functions on your computer without being detected.
Botnet is a term derived from the idea of bot networks. In its most basic form, a bot is simply an automated computer program, or robot. In the context of botnets, bots refer to computers that are able to be controlled by one, or many, outside sources. An attacker usually gains control by infecting the computers with a virus or other malicious code that gives the attacker access. Your computer may be part of a botnet even though it appears to be operating normally. Botnets are often used to conduct a range of activities, from distributing spam and viruses to conducting denial-of-service attacks (see Understanding Denial-of-Service Attacks for more information).
Why are they considered threats?
The main problem with both rootkits and botnets is that they are hidden. Although botnets are not hidden the same way rootkits are, they may be undetected unless you are specifically looking for certain activity. If a rootkit has been installed, you may not be aware that your computer has been compromised, and traditional anti-virus software may not be able to detect the malicious programs. Attackers are also creating more sophisticated programs that update themselves so that they are even harder to detect.
Attackers can use rootkits and botnets to access and modify personal information, attack other computers, and commit other crimes, all while remaining undetected. By using multiple computers, attackers increase the range and impact of their crimes. Because each computer in a botnet can be programmed to execute the same command, an attacker can have each of them scanning multiple computers for vulnerabilities, monitoring online activity, or collecting the information entered in online forms.
What can you do to protect yourself?
If you practice good security habits, you may reduce the risk that your computer will be compromised:

* Use and maintain anti-virus software - Anti-virus software recognizes and protects your computer against most known viruses, so you may be able to detect and remove the virus before it can do any damage (see Understanding Anti-Virus Software for more information). Because attackers are continually writing new viruses, it is important to keep your definitions up to date. Some anti-virus vendors also offer anti-rootkit software.

* Install a firewall - Firewalls may be able to prevent some types of infection by blocking malicious traffic before it can enter your computer and limiting the traffic you send (see Understanding Firewalls for more information). Some operating systems actually include a firewall, but you need to make sure it is enabled.

* Use good passwords - Select passwords that will be difficult for attackers to guess, and use different passwords for different programs and devices (see Choosing and Protecting Passwords for more information). Do not choose options that allow your computer to remember your passwords.

* Keep software up to date - Install software patches so that attackers can't take advantage of known problems or vulnerabilities (see Understanding Patches for more information). Many operating systems offer automatic updates. If this option is available, you should enable it.

* Follow good security practices - Take appropriate precautions when using email and web browsers to reduce the risk that your actions will trigger an infection (see other US-CERT security tips for more information).
Unfortunately, if there is a rootkit on your computer or an attacker is using your computer in a botnet, you may not know it. Even if you do discover that you are a victim, it is difficult for the average user to effectively recover. The attacker may have modified files on your computer, so simply removing the malicious files may not solve the problem, and you may not be able to safely trust a prior version of a file. If you believe that you are a victim, consider contacting a trained system administrator.
As an alternative, some vendors are developing products and tools that may remove a rootkit from your computer. If the software cannot locate and remove the infection, you may need to reinstall your operating system, usually with a system restore disk that is often supplied with a new computer. Note that reinstalling or restoring the operating system typically erases all of your files and any additional software that you have installed on your computer. Also, the infection may be located at such a deep level that it cannot be removed by simply reinstalling or restoring the operating system.
Author
Mindi McDowell
Recognizing Fake Antiviruses
What is fake antivirus?
Fake antivirus is malicious software (malware) designed to steal information from unsuspecting users by mimicking legitimate security software. The malware makes numerous system modifications making it extremely difficult to terminate unauthorized activities and remove the program. It also causes realistic, interactive security warnings to be displayed to the computer user.
How can my computer become infected with fake antivirus?
Criminals distribute this type of malware using search engines, emails, social networking sites, internet advertisements and other malware. They leverage advanced social engineering methodologies and popular technologies to maximize number of infected computers.
How will I know if I am infected?
The presence of pop-ups displaying unusual security warnings and asking for credit card or personal information is the most obvious method of identifying a fake antivirus infection.
What can I do to protect myself?

* Be cautious when visiting web links or opening attachments from unknown senders. See Using Caution with Email Attachments for more information.

* Keep software patched and updated. See Understanding Patches for more information on the importance of software patching.

* To purchase or renew software subscriptions, visit the vendor sites directly.

* Monitor your credit cards for unauthorized activity.

* To report Internet crime or fraud, contact the Internet Crime Complaint Center (http://www.ic3.gov).
Avoiding the Pitfalls of Online Trading
What is online trading?
Online trading allows you to conduct investment transactions over the internet. The accessibility of the internet makes it possible for you to research and invest in opportunities from any location at any time. It also reduces the amount of resources (time, effort, and money) you have to devote to managing these accounts and transactions.
What are the risks?
Recognizing the importance of safeguarding your money, legitimate brokerages take steps to ensure that their transactions are secure. However, online brokerages and the investors who use them are appealing targets for attackers. The amount of financial information in a brokerage's database makes it valuable; this information can be traded or sold for personal profit. Also, because money is regularly transferred through these accounts, malicious activity may not be noticed immediately. To gain access to these databases, attackers may use Trojan horses or other types of malicious code (see Why is Cyber Security a Problem? for more information).
Attackers may also attempt to collect financial information by targeting the current or potential investors directly. These attempts may take the form of social engineering or phishing attacks (see Avoiding Social Engineering and Phishing Attacks for more information). With methods that include setting up fraudulent investment opportunities or redirecting users to malicious sites that appear to be legitimate, attackers try to convince you to provide them with financial information that they can then use or sell. If you have been victimized, both your money and your identity may be at risk (see Preventing and Responding to Identity Theft for more information).
How can you protect yourself?

* Research your investment opportunities - Take advantage of resources such as the U.S. Securities and Exchange Commission's EDGAR database and your state's securities commission (found through the North American Securities Administrators Association) to investigate companies.

* Be wary of online information - Anyone can publish information on the internet, so try to verify any online research through other methods before investing any money. Also be cautious of "hot" investment opportunities advertised online or in email.

* Check privacy policies - Before providing personal or financial information, check the website's privacy policy. Make sure you understand how your information will be stored and used (see Protecting Your Privacy for more information).

* Conduct transactions on devices you control - Avoid conducting transactions on public resources such as internet kiosks, computers in places like libraries, and other shared computers and devices. Other users may introduce security risks.

* Make sure that your transactions are encrypted - When information is sent over the internet, attackers may be able to intercept it. Encryption prevents the attackers from being able to view the information.

* Verify that the website is legitimate - Attackers may redirect you to a malicious website that looks identical to a legitimate one. They then convince you to submit your personal and financial information, which they use for their own gain. Check the website's certificate to make sure it is legitimate (see Understanding Web Site Certificates for more information).

* Monitor your investments - Regularly check your accounts for any unusual activity. Report unauthorized transactions immediately.

* Use strong passwords - Protect your computer, mobile devices, and accounts with passwords that cannot easily be guessed (see Choosing and Protecting Passwords for more information). Use different passwords for each account.

* Use and maintain anti-virus software - Anti-virus software recognizes and protects your computer against most known viruses. However, because attackers are continually writing new viruses, it is important to keep your virus definitions current (see Understanding Anti-Virus Software for more information).

* Use anti-spyware tools - Spyware is a common source of viruses, and attackers may use it to access information on your computer. You can minimize the number of infections by using a legitimate program that identifies and removes spyware (see Recognizing and Avoiding Spyware for more information).

* Keep software up to date - Install software updates so that attackers can't take advantage of known problems or vulnerabilities (see Understanding Patches for more information). Enable automatic updates if the option is available.

* Evaluate your security settings - By adjusting the security settings in your browser, you may limit your risk of certain attacks (see Evaluating Your Web Browser's Security Settings for more information).


Avoiding Social Engineering and Phishing Attacks
What is a social engineering attack?
In a social engineering attack, an attacker uses human interaction (social skills) to obtain or compromise information about an organization or its computer systems. An attacker may seem unassuming and respectable, possibly claiming to be a new employee, repair person, or researcher and even offering credentials to support that identity. However, by asking questions, he or she may be able to piece together enough information to infiltrate an organization's network. If an attacker is not able to gather enough information from one source, he or she may contact another source within the same organization and rely on the information from the first source to add to his or her credibility.
What is a phishing attack?
Phishing is a form of social engineering. Phishing attacks use email or malicious websites to solicit personal information by posing as a trustworthy organization. For example, an attacker may send email seemingly from a reputable credit card company or financial institution that requests account information, often suggesting that there is a problem. When users respond with the requested information, attackers can use it to gain access to the accounts.
Phishing attacks may also appear to come from other types of organizations, such as charities. Attackers often take advantage of current events and certain times of the year, such as

* natural disasters (e.g., Hurricane Katrina, Indonesian tsunami)

* epidemics and health scares (e.g., H1N1)

* economic concerns (e.g., IRS scams)

* major political elections

* holidays
How do you avoid being a victim?

* Be suspicious of unsolicited phone calls, visits, or email messages from individuals asking about employees or other internal information. If an unknown individual claims to be from a legitimate organization, try to verify his or her identity directly with the company.

* Do not provide personal information or information about your organization, including its structure or networks, unless you are certain of a person's authority to have the information.

* Do not reveal personal or financial information in email, and do not respond to email solicitations for this information. This includes following links sent in email.

* Don't send sensitive information over the Internet before checking a website's security (see Protecting Your Privacy for more information).

* Pay attention to the URL of a website. Malicious websites may look identical to a legitimate site, but the URL may use a variation in spelling or a different domain (e.g., .com vs. .net).

* If you are unsure whether an email request is legitimate, try to verify it by contacting the company directly. Do not use contact information provided on a website connected to the request; instead, check previous statements for contact information. Information about known phishing attacks is also available online from groups such as the Anti-Phishing Working Group (http://www.antiphishing.org).

* Install and maintain anti-virus software, firewalls, and email filters to reduce some of this traffic (see Understanding Firewalls, Understanding Anti-Virus Software, and Reducing Spam for more information).

* Take advantage of any anti-phishing features offered by your email client and web browser.
What do you do if you think you are a victim?

* If you believe you might have revealed sensitive information about your organization, report it to the appropriate people within the organization, including network administrators. They can be alert for any suspicious or unusual activity.

* If you believe your financial accounts may be compromised, contact your financial institution immediately and close any accounts that may have been compromised. Watch for any unexplainable charges to your account.

* Immediately change any passwords you might have revealed. If you used the same password for multiple resources, make sure to change it for each account, and do not use that password in the future.

* Watch for other signs of identity theft (see Preventing and Responding to Identity Theft for more information).

* Consider reporting the attack to the police, and file a report with the Federal Trade Commission (http://www.ftc.gov/).
Dealing with Cyberbullies
What is cyberbullying?
Cyberbullying refers to practice of using technology to harass, or bully, someone else. Bullies used to be restricted to methods such as physical intimidation, postal mail, or the telephone. Now, developments in electronic media offer forums such as email, instant messaging, web pages, and digital photos to add to the arsenal. Computers, cell phones, and PDAs are current tools that are being used to conduct an old practice.
Forms of cyberbullying can range in severity from cruel or embarrassing rumors to threats, harassment, or stalking. It can affect any age group; however, teenagers and young adults are common victims, and cyberbullying is a growing problem in schools.
Why has cyberbullying become such a problem?
The relative anonymity of the internet is appealing for bullies because it enhances the intimidation and makes tracing the activity more difficult. Some bullies also find it easier to be more vicious because there is no personal contact. Unfortunately, the internet and email can also increase the visibility of the activity. Information or pictures posted online or forwarded in mass emails can reach a larger audience faster than more traditional methods, causing more damage to the victims. And because of the amount of personal information available online, bullies may be able to arbitrarily choose their victims.
Cyberbullying may also indicate a tendency toward more serious behavior. While bullying has always been an unfortunate reality, most bullies grow out of it. Cyberbullying has not existed long enough to have solid research, but there is evidence that it may be an early warning for more violent behavior.
How can you protect yourself or your children?

* Teach your children good online habits - Explain the risks of technology, and teach children how to be responsible online (see Keeping Children Safe Online for more information). Reduce their risk of becoming cyberbullies by setting guidelines for and monitoring their use of the internet and other electronic media (cell phones, PDAs, etc.).

* Keep lines of communication open - Regularly talk to your children about their online activities so that they feel comfortable telling you if they are being victimized.

* Watch for warning signs - If you notice changes in your child's behavior, try to identify the cause as soon as possible. If cyberbullying is involved, acting early can limit the damage.

* Limit availability of personal information - Limiting the number of people who have access to contact information or details about interests, habits, or employment reduces exposure to bullies that you or your child do not know. This may limit the risk of becoming a victim and may make it easier to identify the bully if you or your child are victimized.

* Avoid escalating the situation - Responding with hostility is likely to provoke a bully and escalate the situation. Depending on the circumstances, consider ignoring the issue. Often, bullies thrive on the reaction of their victims. Other options include subtle actions. For example, you may be able to block the messages on social networking sites or stop unwanted emails by changing the email address. If you continue to get messages at the new email address, you may have a stronger case for legal action.

* Document the activity - Keep a record of any online activity (emails, web pages, instant messages, etc.), including relevant dates and times. In addition to archiving an electronic version, consider printing a copy.

* Report cyberbullying to the appropriate authorities - If you or your child are being harassed or threatened, report the activity. Many schools have instituted bullying programs, so school officials may have established policies for dealing with activity that involves students. If necessary, contact your local law enforcement. Law enforcement agencies have different policies, but your local police department or FBI branch are good starting points. Unfortunately, there is a distinction between free speech and punishable offenses, but the legal implications should be decided by the law enforcement officials and the prosecutors.
Identifying Hoaxes and Urban Legends
Why are chain letters a problem?
The most serious problem is from chain letters that mask viruses or other malicious activity. But even the ones that seem harmless may have negative repercussions if you forward them:

* they consume bandwidth or space within the recipient's inbox

* you force people you know to waste time sifting through the messages and possibly taking time to verify the information

* you are spreading hype and, often, unnecessary fear and paranoia
What are some types of chain letters?
There are two main types of chain letters:

* Hoaxes - Hoaxes attempt to trick or defraud users. A hoax could be malicious, instructing users to delete a file necessary to the operating system by claiming it is a virus. It could also be a scam that convinces users to send money or personal information. Phishing attacks could fall into this category (see Avoiding Social Engineering and Phishing Attacks for more information).

* Urban legends - Urban legends are designed to be redistributed and usually warn users of a threat or claim to be notifying them of important or urgent information. Another common form are the emails that promise users monetary rewards for forwarding the message or suggest that they are signing something that will be submitted to a particular group. Urban legends usually have no negative effect aside from wasted bandwidth and time.
How can you tell if the email is a hoax or urban legend?
Some messages are more suspicious than others, but be especially cautious if the message has any of the characteristics listed below. These characteristics are just guidelinesnot every hoax or urban legend has these attributes, and some legitimate messages may have some of these characteristics:

* it suggests tragic consequences for not performing some action

* it promises money or gift certificates for performing some action

* it offers instructions or attachments claiming to protect you from a virus that is undetected by anti-virus software

* it claims it's not a hoax

* there are multiple spelling or grammatical errors, or the logic is contradictory

* there is a statement urging you to forward the message

* it has already been forwarded multiple times (evident from the trail of email headers in the body of the message)
If you want to check the validity of an email, there are some websites that provide information about hoaxes and urban legends:

* Urban Legends and Folklore - http://urbanlegends.about.com/

* Urban Legends Reference Pages - http://www.snopes.com/

* TruthOrFiction.com - http://www.truthorfiction.com/

* Symantec Security Response Hoaxes - http://www.symantec.com/avcenter/hoax.html

* McAfee Security Virus Hoaxes - http://home.mcafee.com/VirusInfo/VirusHoaxes.aspx
Preventing and Responding to Identity Theft
Is identity theft just a problem for people who submit information online?
You can be a victim of identity theft even if you never use a computer. Malicious people may be able to obtain personal information (such as credit card numbers, phone numbers, account numbers, and addresses) by stealing your wallet, overhearing a phone conversation, rummaging through your trash (a practice known as dumpster diving), or picking up a receipt at a restaurant that has your account number on it. If a thief has enough information, he or she may be able to impersonate you to purchase items, open new accounts, or apply for loans.
The internet has made it easier for thieves to obtain personal and financial data. Most companies and other institutions store information about their clients in databases; if a thief can access that database, he or she can obtain information about many people at once rather than focus on one person at a time. The internet has also made it easier for thieves to sell or trade the information, making it more difficult for law enforcement to identify and apprehend the criminals.
How are victims of online identity theft chosen?
Identity theft is usually a crime of opportunity, so you may be victimized simply because your information is available. Thieves may target customers of certain companies for a variety of reasons; for example, a company database is easily accessible, the demographics of the customers are appealing, or there is a market for specific information. If your information is stored in a database that is compromised, you may become a victim of identity theft.
Are there ways to avoid being a victim?
Unfortunately, there is no way to guarantee that you will not be a victim of online identity theft. However, there are ways to minimize your risk:

* Do business with reputable companies - Before providing any personal or financial information, make sure that you are interacting with a reputable, established company. Some attackers may try to trick you by creating malicious web sites that appear to be legitimate, so you should verify the legitimacy before supplying any information (see Avoiding Social Engineering and Phishing Attacks and Understanding Web Site Certificates for more information).

* Take advantage of security features - Passwords and other security features add layers of protection if used appropriately (see Choosing and Protecting Passwords and Supplementing Passwords for more information).

* Check privacy policies - Take precautions when providing information, and make sure to check published privacy policies to see how a company will use or distribute your information (see Protecting Your Privacy and How Anonymous Are You? for more information). Many companies allow customers to request that their information not be shared with other companies; you should be able to locate the details in your account literature or by contacting the company directly.

* Be careful what information you publicize - Attackers may be able to piece together information from a variety of sources. Avoid posting personal data in public forums (see Guidelines for Publishing Information Online for more information).

* Use and maintain anti-virus software and a firewall - Protect yourself against viruses and Trojan horses that may steal or modify the data on your own computer and leave you vulnerable by using anti-virus software and a firewall (see Understanding Anti-Virus Software and Understanding Firewalls for more information). Make sure to keep your virus definitions up to date.

* Be aware of your account activity - Pay attention to your statements, and check your credit report yearly. You are entitled to a free copy of your credit report from each of the main credit reporting companies once every twelve months (see AnnualCreditReport.com for more information).
How do you know if your identity has been stolen?
Companies have different policies for notifying customers when they discover that someone has accessed a customer database. However, you should be aware of changes in your normal account activity. The following are examples of changes that could indicate that someone has accessed your information:

* unusual or unexplainable charges on your bills

* phone calls or bills for accounts, products, or services that you do not have

* failure to receive regular bills or mail

* new, strange accounts appearing on your credit report

* unexpected denial of your credit card
What can you do if you think, or know, that your identity has been stolen?
Recovering from identity theft can be a long, stressful, and potentially costly process. Many credit card companies have adopted policies that try to minimize the amount of money you are liable for, but the implications can extend beyond your existing accounts. To minimize the extent of the damage, take action as soon as possible:

* Contact companies, including banks, where you have accounts - Inform the companies where you have accounts that someone may be using your identity, and find out if there have been any unauthorized transactions. Close accounts so that future charges are denied. In addition to calling the company, send a letter so there is a record of the problem.

* Contact the main credit reporting companies (Equifax, Experian, TransUnion) - Check your credit report to see if there has been unexpected or unauthorized activity. Have a fraud alerts placed on your credit reports to prevent new accounts being opened without verification.

* File a report - File a report with the local police so there is an official record of the incident. You can also file a complaint with the Federal Trade Commission.

* Consider other information that may be at risk - Depending what information was stolen, you may need to contact other agencies; for example, if a thief has access to your Social Security number, contact the Social Security Administration. You should also contact the Department of Motor Vehicles if your driver's license or car registration have been stolen.
Recognizing and Avoiding Spyware
What is spyware?
Despite its name, the term "spyware" doesn't refer to something used by undercover operatives, but rather by the advertising industry. In fact, spyware is also known as "adware." It refers to a category of software that, when installed on your computer, may send you pop-up ads, redirect your browser to certain web sites, or monitor the web sites that you visit. Some extreme, invasive versions of spyware may track exactly what keys you type. Attackers may also use spyware for malicious purposes.
Because of the extra processing, spyware may cause your computer to become slow or sluggish. There are also privacy implications:

* What information is being gathered?

* Who is receiving it?

* How is it being used?
How do you know if there is spyware on your computer?
The following symptoms may indicate that spyware is installed on your computer:

* you are subjected to endless pop-up windows

* you are redirected to web sites other than the one you typed into your browser

* new, unexpected toolbars appear in your web browser

* new, unexpected icons appear in the task tray at the bottom of your screen

* your browser's home page suddenly changed

* the search engine your browser opens when you click "search" has been changed

* certain keys fail to work in your browser (e.g., the tab key doesn't work when you are moving to the next field within a form)

* random Windows error messages begin to appear

* your computer suddenly seems very slow when opening programs or processing tasks (saving files, etc.)
How can you prevent spyware from installing on your computer?
To avoid unintentionally installing it yourself, follow these good security practices:

* Don't click on links within pop-up windows - Because pop-up windows are often a product of spyware, clicking on the window may install spyware software on your computer. To close the pop-up window, click on the "X" icon in the titlebar instead of a "close" link within the window.

* Choose "no" when asked unexpected questions - Be wary of unexpected dialog boxes asking whether you want to run a particular program or perform another type of task. Always select "no" or "cancel," or close the dialog box by clicking the "X" icon in the titlebar.

* Be wary of free downloadable software - There are many sites that offer customized toolbars or other features that appeal to users. Don't download programs from sites you don't trust, and realize that you may be exposing your computer to spyware by downloading some of these programs.

* Don't follow email links claiming to offer anti-spyware software - Like email viruses, the links may serve the opposite purpose and actually install the spyware it claims to be eliminating.
As an additional good security practice, especially if you are concerned that you might have spyware on your machine and want to minimize the impact, consider taking the following action:

* Adjust your browser preferences to limit pop-up windows and cookies - Pop-up windows are often generated by some kind of scripting or active content. Adjusting the settings within your browser to reduce or prevent scripting or active content may reduce the number of pop-up windows that appear. Some browsers offer a specific option to block or limit pop-up windows. Certain types of cookies are sometimes considered spyware because they reveal what web pages you have visited. You can adjust your privacy settings to only allow cookies for the web site you are visiting (see Browsing Safely: Understanding Active Content and Cookies and Evaluating Your Web Browser's Security Settings for more information).
How do you remove spyware?

* Run a full scan on your computer with your anti-virus software - Some anti-virus software will find and remove spyware, but it may not find the spyware when it is monitoring your computer in real time. Set your anti-virus software to prompt you to run a full scan periodically (see Understanding Anti-Virus Software for more information).

* Run a legitimate product specifically designed to remove spyware - Many vendors offer products that will scan your computer for spyware and remove any spyware software. Popular products include Lavasoft's Ad-Aware, Microsoft's Window Defender, Webroot's SpySweeper, and Spybot Search and Destroy.

* Make sure that your anti-virus and anti-spyware software are compatible - Take a phased approach to installing the software to ensure that you don't unintentionally introduce problems (see Coordinating Virus and Spyware Defense for more information).
Recovering from Viruses, Worms, and Trojan Horses
How do you know your computer is infected?
Unfortunately, there is no particular way to identify that your computer has been infected with malicious code. Some infections may completely destroy files and shut down your computer, while others may only subtly affect your computer's normal operations. Be aware of any unusual or unexpected behaviors. If you are running anti-virus software, it may alert you that it has found malicious code on your computer. The anti-virus software may be able to clean the malicious code automatically, but if it can't, you will need to take additional steps.
What can you do if you are infected?

1. Minimize the damage - If you are at work and have access to an IT department, contact them immediately. The sooner they can investigate and clean your computer, the less damage to your computer and other computers on the network. If you are on your home computer or a laptop, disconnect your computer from the internet. By removing the internet connection, you prevent an attacker or virus from being able to access your computer and perform tasks such as locating personal data, manipulating or deleting files, or using your computer to attack other computers.

2. Remove the malicious code - If you have anti-virus software installed on your computer, update the virus definitions (if possible), and perform a manual scan of your entire system. If you do not have anti-virus software, you can purchase it at a local computer store (see Understanding Anti-Virus Software for more information). If the software can't locate and remove the infection, you may need to reinstall your operating system, usually with a system restore disk that is often supplied with a new computer. Note that reinstalling or restoring the operating system typically erases all of your files and any additional software that you have installed on your computer. After reinstalling the operating system and any other software, install all of the appropriate patches to fix known vulnerabilities (see Understanding Patches for more information).
How can you reduce the risk of another infection?
Dealing with the presence of malicious code on your computer can be a frustrating experience that can cost you time, money, and data. The following recommendations will build your defense against future infections:

* use and maintain anti-virus software - Anti-virus software recognizes and protects your computer against most known viruses. However, attackers are continually writing new viruses, so it is important to keep your anti-virus software current (see Understanding Anti-Virus Software for more information).

* change your passwords - Your original passwords may have been compromised during the infection, so you should change them. This includes passwords for web sites that may have been cached in your browser. Make the passwords difficult for attackers to guess (see Choosing and Protecting Passwords for more information).

* keep software up to date - Install software patches so that attackers can't take advantage of known problems or vulnerabilities (see Understanding Patches for more information). Many operating systems offer automatic updates. If this option is available, you should enable it.

* install or enable a firewall - Firewalls may be able to prevent some types of infection by blocking malicious traffic before it can enter your computer (see Understanding Firewalls for more information). Some operating systems actually include a firewall, but you need to make sure it is enabled.

* use anti-spyware tools - Spyware is a common source of viruses, but you can minimize the number of infections by using a legitimate program that identifies and removes spyware (see Recognizing and Avoiding Spyware for more information).

* follow good security practices - Take appropriate precautions when using email and web browsers so that you reduce the risk that your actions will trigger an infection (see other US-CERT security tips for more information).
As a precaution, maintain backups of your files on CDs or DVDs so that you have saved copies if you do get infected again.
Using Instant Messaging and Chat Rooms Safely
What are the differences between some of the tools used for real-time communication?

* Instant messaging (IM) - Commonly used for recreation, instant messaging is also becoming more widely used within corporations for communication between employees. IM, regardless of the specific software you choose, provides an interface for individuals to communicate one-on-one.

* Chat rooms - Whether public or private, chat rooms are forums for particular groups of people to interact. Many chat rooms are based upon a shared characteristic; for example, there are chat rooms for people of particular age groups or interests. Although most IM clients support "chats" among multiple users, IM is traditionally one-to-one while chats are traditionally many-to-many.

* Bots - A "chat robot," or "bot," is software that can interact with users through chat mechanisms, whether in IM or chat rooms. In some cases, users may be able to obtain current weather reports, stock status, or movie listings. In these instances, users are often aware that they are not interacting with an actual human. However, some users may be fooled by more sophisticated bots into thinking the responses they are receiving are from another person.
There are many software packages that incorporate one or more of these capabilities. A number of different technologies might be supported, including IM, Internet Relay Chat (IRC), or Jabber.
What are the dangers?

* Identities can be elusive or ambiguous - Not only is it sometimes difficult to identify whether the "person" you are talking to is human, but human nature and behavior isn't predictable. People may lie about their identity, accounts may be compromised, users may forget to log out, or an account may be shared by multiple people. All of these things make it difficult to know who you're really talking to during a conversation.

* Users are especially susceptible to certain types of attack - Trying to convince someone to run a program or click on a link is a common attack method, but it can be especially effective through IM and chat rooms. In a setting where a user feels comfortable with the "person" he or she is talking to, a malicious piece of software or an attacker has a better chance of convincing someone to fall into the trap (see Avoiding Social Engineering and Phishing Attacks for more information).

* You don't know who else might be seeing the conversation - Online interactions are easily saved, and if you're using a free commercial service the exchanges may be archived on a server. You have no control over what happens to those logs. You also don't know if there's someone looking over the shoulder of the person you're talking to, or if an attacker might be "sniffing" your conversation.

* The software you're using may contain vulnerabilities - Like any other software, chat software may have vulnerabilities that attackers can exploit.

* Default security settings may be inappropriate - The default security settings in chat software tend to be relatively permissive to make it more open and "usable," and this can make you more susceptible to attacks.
How can you use these tools safely?

* Evaluate your security settings - Check the default settings in your software and adjust them if they are too permissive. Make sure to disable automatic downloads. Some chat software offers the ability to limit interactions to only certain users, and you may want to take advantage of these restrictions.

* Be conscious of what information you reveal - Be wary of revealing personal information unless you know who you are really talking to. You should also be careful about discussing anything you or your employer might consider sensitive business information over public IM or chat services (even if you are talking to someone you know in a one-to-one conversation).

* Try to verify the identity of the person you are talking to, if it matters - In some forums and situations, the identity of the "person" you are talking to may not matter. However, if you need to have a degree of trust in that person, either because you are sharing certain types of information or being asked to take some action like following a link or running a program, make sure the "person" you are talking to is actually that person.

* Don't believe everything you read - The information or advice you receive in a chat room or by IM may be false or, worse, malicious. Try to verify the information or instructions from outside sources before taking any action.

* Keep software up to date - This includes the chat software, your browser, your operating system, your mail client, and, especially, your anti-virus software (see Understanding Patches and Understanding Anti-Virus Software for more information).
Benefits of BCC
What is BCC?
BCC, which stands for blind carbon copy, allows you to hide recipients in email messages. Addresses in the To: field and the CC: (carbon copy) field appear in messages, but users cannot see addresses of anyone you included in the BCC: field.
Why would you want to use BCC?
There are a few main reasons for using BCC:

* Privacy - Sometimes it's beneficial, even necessary, for you to let recipients know who else is receiving your email message. However, there may be instances when you want to send the same message to multiple recipients without letting them know who else is receiving the message. If you are sending email on behalf of a business or organization, it may be especially important to keep lists of clients, members, or associates confidential. You may also want to avoid listing an internal email address on a message being sent to external recipients.
Another point to remember is that if any of the recipients use the "reply to all" feature to reply to your messages, all of the recipients listed in the To: and CC: fields will receive the reply. If there is potential for a response that is not appropriate for all recipients, consider using BCC.

* Tracking - Maybe you want to access or archive the email message you are sending at another email account. Or maybe you want to make someone, such as a supervisor or team member, aware of the email without actually involving them in the exchange. BCC allows you to accomplish these goals without advertising that you are doing it.

* Respect for your recipients - People often forward email messages without removing the addresses of previous recipients. As a result, messages that are repeatedly sent to many recipients may contain long lists of email addresses. Spammers and email-borne viruses may collect and target those addresses.
To reduce the risk, encourage people who forward messages to you to use BCC so that your email address is less likely to appear in other people's inboxes and be susceptible to being harvested. To avoid becoming part of the problem, in addition to using BCC if you forward messages, take time to remove all existing email addresses within the message. The additional benefit is that the people you're sending the message to will appreciate not having to scroll through large sections of irrelevant information to get to the actual message.
How do you BCC an email message?
Most email clients have the option to BCC listed a few lines below the To: field. However, sometimes it is a separate option that is not listed by default. If you cannot locate it, check the help menu or the software's documentation.
If you want to BCC all recipients and your email client will not send a message without something in the To: field, consider using your own email address in that field. In addition to hiding the identity of other recipients, this option will enable you to confirm that the message was sent successfully.
Benefits and Risks of Free Email Services
What is the appeal of free email services?
Many service providers offer free email accounts (e.g., Yahoo!, Hotmail, Gmail). These email services typically provide you with a browser interface to access your mail. In addition to the monetary savings, these services often offer other benefits:

* accessibility - Because you can access your account(s) from any computer, these services are useful if you cannot be near your computer or are in the process of relocating and do not have an ISP. Even if you are able to access your ISP-based email account remotely, being able to rely on a free email account is ideal if you are using a public computer or a shared wireless hot spot and are concerned about exposing the details of your primary account.

* competitive features - With so many of these service providers competing for users, they now offer additional features such as large amounts of storage, spam filtering, virus protection, and enhanced fonts and graphics.

* additional capabilities - It is becoming more common for service providers to package additional software or services (e.g., instant messaging) with their free email accounts to attract customers.
Free email accounts are also effective tools for reducing the amount of spam you receive at your primary email address. Instead of submitting your primary address when shopping online, requesting services, or participating in online forums, you can set up a free secondary address to use (see Reducing Spam for more information).
What risks are associated with free email services?
Although free email services have many benefits, you should not use them to send sensitive information. Because you are not paying for the account, the organization may not have a strong commitment to protecting you from various threats or to offering you the best service. Some of the elements you risk are

* security - If your login, password, or messages are sent in plain text, they may easily be intercepted. If a service provider offers SSL encryption, you should use it. You can find out whether this is available by looking for a "secure mode" or by replacing the "http:" in the URL with "https:" (see Protecting Your Privacy for more information).

* privacy - You aren't paying for your email account, but the service provider has to find some way to recover the costs of providing the service. One way of generating revenue is to sell advertising space, but another is to sell or trade information. Make sure to read the service provider's privacy policy or terms of use to see if your name, your email address, the email addresses in your address book, or any of the information in your profile has the potential of being given to other organizations (see Protecting Your Privacy for more information). If you are considering forwarding your work email to a free email account, check with your employer first. You do not want to violate any established security policies.

* reliability - Although you may be able to access your account from any computer, you need to make sure that the account is going to be available when you want to access it. Familiarize yourself with the service provider's terms of service so that you know exactly what they have committed to providing you. For example, if the service ends or your account disappears, can you retrieve your messages? Does the service provider give you the ability to download messages that you want to archive onto your machine? Also, if you happen to be in a different time zone than the provider, you may find that their server maintenance interferes with your normal email routine.
Reducing Spam
What is spam?
Spam is the electronic version of "junk mail." The term spam refers to unsolicited, often unwanted, email messages. Spam does not necessarily contain virusesvalid messages from legitimate sources could fall into this category.
How can you reduce the amount of spam?
There are some steps you can take to significantly reduce the amount of spam you receive:

* Don't give your email address out arbitrarily - Email addresses have become so common that a space for them is often included on any form that asks for your addresseven comment cards at restaurants. It seems harmless, so many people write them in the space provided without realizing what could happen to that information. For example, companies often enter the addresses into a database so that they can keep track of their customers and the customers' preferences. Sometimes these lists are sold to or shared with other companies, and suddenly you are receiving email that you didn't request.

* Check privacy policies - Before submitting your email address online, look for a privacy policy. Most reputable sites will have a link to their privacy policy from any form where you're asked to submit personal data. You should read this policy before submitting your email address or any other personal information so that you know what the owners of the site plan to do with the information (see Protecting Your Privacy for more information).

* Be aware of options selected by default - When you sign up for some online accounts or services, there may be a section that provides you with the option to receive email about other products and services. Sometimes there are options selected by default, so if you do not deselect them, you could begin to receive email from lists those lists as well.

* Use filters - Many email programs offer filtering capabilities that allow you to block certain addresses or to only allow email from addresses on your contact list. Some ISPs offer spam "tagging" or filtering services, but legitimate messages misclassified as spam might be dropped before reaching your inbox. However, many ISPs that offer filtering services also provide options for tagging suspected spam messages so the end user can more easily identify them. This can be useful in conjunction with filtering capabilities provided by many email programs.

* Report messages as spam - Most email clients offer an option to report a message as spam or junk. If your has that option, take advantage of it. Reporting messages as spam or junk helps to train the mail filter so that the messages aren't delivered to your inbox. However, check your junk or spam folders occasionally to look for legitimate messages that were incorrectly classified as spam.

* Don't follow links in spam messages - Some spam relies on generators that try variations of email addresses at certain domains. If you click a link within an email message or reply to a certain address, you are just confirming that your email address is valid. Unwanted messages that offer an "unsubscribe" option are particularly tempting, but this is often just a method for collecting valid addresses that are then sent other spam.

* Disable the automatic downloading of graphics in HTML mail - Many spammers send HTML mail with a linked graphic file that is then used to track who opens the mail messagewhen your mail client downloads the graphic from their web server, they know you've opened the message. Disabling HTML mail entirely and viewing messages in plain text also prevents this problem.

* Consider opening an additional email account - Many domains offer free email accounts. If you frequently submit your email address (for online shopping, signing up for services, or including it on something like a comment card), you may want to have a secondary email account to protect your primary email account from any spam that could be generated. You could also use this secondary account when posting to public mailing lists, social networking sites, blogs, and web forums. If the account start to fill up with spam, you can get rid of it and open a different one.

* Use privacy settings on social networking sites - Social networking sites typically allow you to choose who has access to see your email address. Consider hiding your email account or changing the settings so that only a small group of people that you trust are able to see your address (see Staying Safe on Social Network Sites for more information). Also, when you use applications on these sites, you may be granting permission for them to access your personal information. Be cautious about which applications you choose to use.

* Don't spam other people - Be a responsible and considerate user. Some people consider email forwards a type of spam, so be selective with the messages you redistribute. Don't forward every message to everyone in your address book, and if someone asks that you not forward messages to them, respect their request.
Staying Safe on Social Network Sites
What are social networking sites?
Social networking sites, sometimes referred to as "friend-of-a-friend" sites, build upon the concept of traditional social networks where you are connected to new people through people you already know. The purpose of some networking sites may be purely social, allowing users to establish friendships or romantic relationships, while others may focus on establishing business connections.
Although the features of social networking sites differ, they all allow you to provide information about yourself and offer some type of communication mechanism (forums, chat rooms, email, instant messenger) that enables you to connect with other users. On some sites, you can browse for people based on certain criteria, while other sites require that you be "introduced" to new people through a connection you share. Many of the sites have communities or subgroups that may be based on a particular interest.
What security implications do these sites present?
Social networking sites rely on connections and communication, so they encourage you to provide a certain amount of personal information. When deciding how much information to reveal, people may not exercise the same amount of caution as they would when meeting someone in person because

* the internet provides a sense of anonymity

* the lack of physical interaction provides a false sense of security

* they tailor the information for their friends to read, forgetting that others may see it

* they want to offer insights to impress potential friends or associates
While the majority of people using these sites do not pose a threat, malicious people may be drawn to them because of the accessibility and amount of personal information that's available. The more information malicious people have about you, the easier it is for them to take advantage of you. Predators may form relationships online and then convince unsuspecting individuals to meet them in person. That could lead to a dangerous situation. The personal information can also be used to conduct a social engineering attack (see Avoiding Social Engineering and Phishing Attacks for more information). Using information that you provide about your location, hobbies, interests, and friends, a malicious person could impersonate a trusted friend or convince you that they have the authority to access other personal or financial data.
Additionally, because of the popularity of these sites, attackers may use them to distribute malicious code. Sites that offer applications developed by third parties are particularly susceptible. Attackers may be able to create customized applications that appear to be innocent while infecting your computer or sharing your information without your knowledge.
How can you protect yourself?

* Limit the amount of personal information you post - Do not post information that would make you vulnerable, such as your address or information about your schedule or routine. If your connections post information about you, make sure the combined information is not more than you would be comfortable with strangers knowing. Also be considerate when posting information, including photos, about your connections.

* Remember that the internet is a public resource - Only post information you are comfortable with anyone seeing. This includes information and photos in your profile and in blogs and other forums. Also, once you post information online, you can't retract it. Even if you remove the information from a site, saved or cached versions may still exist on other people's machines (see Guidelines for Publishing Information Online for more information).

* Be wary of strangers - The internet makes it easy for people to misrepresent their identities and motives (see Using Instant Messaging and Chat Rooms Safely for more information). Consider limiting the people who are allowed to contact you on these sites. If you interact with people you do not know, be cautious about the amount of information you reveal or agreeing to meet them in person.

* Be skeptical - Don't believe everything you read online. People may post false or misleading information about various topics, including their own identities. This is not necessarily done with malicious intent; it could be unintentional, an exaggeration, or a joke. Take appropriate precautions, though, and try to verify the authenticity of any information before taking any action.

* Evaluate your settings - Take advantage of a site's privacy settings. The default settings for some sites may allow anyone to see your profile, but you can customize your settings to restrict access to only certain people. There is still a risk that private information could be exposed despite these restrictions, so don't post anything that you wouldn't want the public to see. Sites may change their options periodically, so review your security and privacy settings regularly to make sure that your choices are still appropriate.

* Be wary of third-party applications - Third-party applications may provide entertainment or functionality, but use caution when deciding which applications to enable. Avoid applications that seem suspicious, and modify your settings to limit the amount of information the applications can access.

* Use strong passwords - Protect your account with passwords that cannot easily be guessed (see Choosing and Protecting Passwords for more information). If your password is compromised, someone else may be able to access your account and pretend to be you.

* Check privacy policies - Some sites may share information such as email addresses or user preferences with other companies. This may lead to an increase in spam (see Reducing Spam for more information). Also, try to locate the policy for handling referrals to make sure that you do not unintentionally sign your friends up for spam. Some sites will continue to send email messages to anyone you refer until they join.

* Keep software, particularly your web browser, up to date - Install software updates so that attackers cannot take advantage of known problems or vulnerabilities (see Understanding Patches for more information). Many operating systems offer automatic updates. If this option is available, you should enable it.

* Use and maintain anti-virus software - Anti-virus software helps protect your computer against known viruses, so you may be able to detect and remove the virus before it can do any damage (see Understanding Anti-Virus Software for more information). Because attackers are continually writing new viruses, it is important to keep your definitions up to date.
Children are especially susceptible to the threats that social networking sites present. Although many of these sites have age restrictions, children may misrepresent their ages so that they can join. By teaching children about internet safety, being aware of their online habits, and guiding them to appropriate sites, parents can make sure that the children become safe and responsible users (see Keeping Children Safe Online for more information).
Understanding Digital Signatures
What is a digital signature?
There are different types of digital signatures; this tip focuses on digital signatures for email messages. You may have received emails that have a block of letters and numbers at the bottom of the message. Although it may look like useless text or some kind of error, this information is actually a digital signature. To generate a signature, a mathematical algorithm is used to combine the information in a key with the information in the message. The result is a random-looking string of letters and numbers.
Why would you use one?
Because it is so easy for attackers and viruses to "spoof" email addresses (see Using Caution with Email Attachments for more information), it is sometimes difficult to identify legitimate messages. Authenticity may be especially important for business correspondenceif you are relying on someone to provide or verify information, you want to be sure that the information is coming from the correct source. A signed message also indicates that changes have not been made to the content since it was sent; any changes would cause the signature to break.
How does it work?
Before you can understand how a digital signature works, there are some terms you should know:

* Keys - Keys are used to create digital signatures. For every signature, there is a public key and a private key.

* Private key - The private key is the portion of the key you use to actually sign an email message. The private key is protected by a password, and you should never give your private key to anyone.

* Public key - The public key is the portion of the key that is available to other people. Whether you upload it to a public key ring or send it to someone, this is the key other people can use to check your signature. A list of other people who have signed your key is also included with your public key. You will only be able to see their identities if you already have their public keys on your key ring.

* Key ring - A key ring contains public keys. You have a key ring that contains the keys of people who have sent you their keys or whose keys you have gotten from a public key server. A public key server contains keys of people who have chosen to upload their keys.

* Fingerprint - When confirming a key, you will actually be confirming the unique series of letters and numbers that comprise the fingerprint of the key. The fingerprint is a different series of letters and numbers than the chunk of information that appears at the bottom of a signed email message.

* Key certificates - When you select a key on a key ring, you will usually see the key certificate, which contains information about the key, such as the key owner, the date the key was created, and the date the key will expire.

* "Web of trust" - When someone signs your key, they are confirming that the key actually belongs to you. The more signatures you collect, the stronger your key becomes. If someone sees that your key has been signed by other people that he or she trusts, he or she is more inclined to trust your key. Note: Just because someone else has trusted a key or you find it on a public key ring does not mean you should automatically trust it. You should always verify the fingerprint yourself.
The process for creating, obtaining, and using keys is fairly straightforward:

1. Generate a key using software such as PGP, which stands for Pretty Good Privacy, or GnuPG, which stands for GNU Privacy Guard.

2. Increase the authenticity of your key by having your key signed by co-workers or other associates who also have keys. In the process of signing your key, they will confirm that the fingerprint on the key you sent them belongs to you. By doing this, they verify your identity and indicate trust in your key.

3. Upload your signed key to a public key ring so that if someone gets a message with your signature, they can verify the digital signature.

4. Digitally sign your outgoing email messages. Most email clients have a feature to easily add your digital signature to your message.
There are a variety of mechanisms for creating digital signatures, and these mechanisms may operate differently. For example, S/MIME does not add a visible block of letters and numbers within the message, and its digital signatures are verified indirectly using a certificate authority instead of directly with other users in a web of trust. You may just see an icon or note on the message that the signature has been verified. If you get an error about a digital signature, try to contact the sender through a phone call or a separate email address that you know is valid to verify the authenticity of the message.
Understanding Your Computer: Email Clients
How do email clients work?
Every email address has two basic parts: the user name and the domain name. When you are sending email to someone else, your domain's server has to communicate with your recipient's domain server.
For example, let's assume that your email address is johndoe@example.com, and the person you are contacting is at janesmith@anotherexample.org. In very basic terms, after you hit send, the server hosting your domain (example.com) looks at the email address and then contacts the server hosting the recipient's domain (anotherexample.org) to let it know that it has a message for someone at that domain. Once the connection has been established, the server hosting the recipient's domain (anotherexample.org) then looks at the user name of the email address and routes the message to that account.
How many email clients are there?
There are many different email clients and services, each with its own interface. Some are web-based applications, some are stand-alone applications installed directly on your computer, and some are text-based applications. There are also variations of many of these email clients that have been designed specifically for mobile devices such as cell phones.
How do you choose an email client?
There is usually an email client included with the installation of your operating system, but many other alternatives are available. Be wary of "home-brewed" software, because it may not be as secure or reliable as software that is tested and actively maintained. Some of the factors to consider when deciding which email client best suits your needs include

* security - Do you feel that your email program offers you the level of security you want for sending, receiving, and reading email messages? How does it handle attachments (see Using Caution with Email Attachments for more information)? If you are dealing with sensitive information, do you have the option of sending and receiving signed and/or encrypted messages (see Understanding Digital Signatures and Understanding Encryption for more information)?

* privacy - If you are using a web-based service, have you read its privacy policy (see Protecting Your Privacy for more information)? Do you know what information is being collected and who has access to it? Are there options for filtering spam (see Reducing Spam for more information)?

* functionality - Does the software send, receive, and interpret email messages appropriately?

* reliability - For web-based services, is the server reliable, or is your email frequently unavailable due to maintenance, security problems, a high volume of users, or other reasons?

* availability - Do you need to be able to access your account from any computer?

* ease of use - Are the menus and options easy to understand and use?

* visual appeal - Do you find the interface appealing?
Each email client may have a different way of organizing drafted, sent, saved, and deleted mail. Familiarize yourself with the software so that you can find and store messages easily, and so that you don't unintentionally lose messages. Once you have chosen the software you want to use for your email, protect yourself and your contacts by following good security practices (see US-CERT Tips for more information).
Can you have use more than one email client?
You can have more than one email client, although you may have issues with compatibility. Some email accounts, such as those issued through your internet service provider (ISP) or place of employment, are only accessible from a computer that has appropriate privileges and settings for you to access that account. You can use any stand-alone email client to read those messages, but if you have more than one client installed on your machine, you should choose one as your default. When you click an email link in a browser or email message, your computer will open that default email client that you chose.
Most vendors give you the option to download their email software directly from their websites. Make sure to verify the authenticity of the site before downloading any files, and follow other good security practices, like using a firewall and keeping anti-virus software up to date, to further minimize risk (see Understanding Firewalls, Understanding Anti-Virus Software, and other US-CERT Tips for more information).
You can also maintain free email accounts through browser-based email clients (e.g., Yahoo!, Hotmail, Gmail) that you can access from any computer. Because these accounts are maintained directly on the vendors' servers, they don't interfere with other email accounts.
Using Caution with Email Attachments
Why can email attachments be dangerous?
Some of the characteristics that make email attachments convenient and popular are also the ones that make them a common tool for attackers:

* Email is easily circulated - Forwarding email is so simple that viruses can quickly infect many machines. Most viruses don't even require users to forward the emailthey scan a users' computer for email addresses and automatically send the infected message to all of the addresses they find. Attackers take advantage of the reality that most users will automatically trust and open any message that comes from someone they know.

* Email programs try to address all users' needs - Almost any type of file can be attached to an email message, so attackers have more freedom with the types of viruses they can send.

* Email programs offer many "user-friendly" features - Some email programs have the option to automatically download email attachments, which immediately exposes your computer to any viruses within the attachments.
What steps can you take to protect yourself and others in your address book?

* Be wary of unsolicited attachments, even from people you know - Just because an email message looks like it came from your mom, grandma, or boss doesn't mean that it did. Many viruses can "spoof" the return address, making it look like the message came from someone else. If you can, check with the person who supposedly sent the message to make sure it's legitimate before opening any attachments. This includes email messages that appear to be from your ISP or software vendor and claim to include patches or anti-virus software. ISPs and software vendors do not send patches or software in email.

* Keep software up to date - Install software patches so that attackers can't take advantage of known problems or vulnerabilities (see Understanding Patches for more information). Many operating systems offer automatic updates. If this option is available, you should enable it.

* Trust your instincts - If an email or email attachment seems suspicious, don't open it, even if your anti-virus software indicates that the message is clean. Attackers are constantly releasing new viruses, and the anti-virus software might not have the signature. At the very least, contact the person who supposedly sent the message to make sure it's legitimate before you open the attachment. However, especially in the case of forwards, even messages sent by a legitimate sender might contain a virus. If something about the email or the attachment makes you uncomfortable, there may be a good reason. Don't let your curiosity put your computer at risk.

* Save and scan any attachments before opening them - If you have to open an attachment before you can verify the source, take the following steps:

1. Be sure the signatures in your anti-virus software are up to date (see Understanding Anti-Virus Software for more information).

2. Save the file to your computer or a disk.

3. Manually scan the file using your anti-virus software.

4. If the file is clean and doesn't seem suspicious, go ahead and open it.

* Turn off the option to automatically download attachments - To simplify the process of reading email, many email programs offer the feature to automatically download attachments. Check your settings to see if your software offers the option, and make sure to disable it.

* Consider creating separate accounts on your computer - Most operating systems give you the option of creating multiple user accounts with different privileges. Consider reading your email on an account with restricted privileges. Some viruses need "administrator" privileges to infect a computer.

* Apply additional security practices - You may be able to filter certain types of attachments through your email software (see Reducing Spam) or a firewall (see Understanding Firewalls).
Both the National Cyber Security Alliance and US-CERT have identified this topic as one of the top tips for home users.
Why is Cyber Security a Problem?
What is cyber security?
It seems that everything relies on computers and the internet now communication (email, cellphones), entertainment (digital cable, mp3s), transportation (car engine systems, airplane navigation), shopping (online stores, credit cards), medicine (equipment, medical records), and the list goes on. How much of your daily life relies on computers? How much of your personal information is stored either on your own computer or on someone else's system?
Cyber security involves protecting that information by preventing, detecting, and responding to attacks.
What are the risks?
There are many risks, some more serious than others. Among these dangers are viruses erasing your entire system, someone breaking into your system and altering files, someone using your computer to attack others, or someone stealing your credit card information and making unauthorized purchases. Unfortunately, there's no 100% guarantee that even with the best precautions some of these things won't happen to you, but there are steps you can take to minimize the chances.
What can you do?
The first step in protecting yourself is to recognize the risks and become familiar with some of the terminology associated with them.

* Hacker, attacker, or intruder- These terms are applied to the people who seek to exploit weaknesses in software and computer systems for their own gain. Although their intentions are sometimes fairly benign and motivated solely by curiosity, their actions are typically in violation of the intended use of the systems they are exploiting. The results can range from mere mischief (creating a virus with no intentionally negative impact) to malicious activity (stealing or altering information).

* Malicious code- Malicious code, sometimes called malware, is a broad category that includes any code that could be used to attack your computer. Malicious code can have the following characteristics:

* It might require you to actually do something before it infects your computer. This action could be opening an email attachment or going to a particular web page.

* Some forms propagate without user intervention and typically start by exploiting a software vulnerability. Once the victim computer has been infected, the malicious code will attempt to find and infect other computers. This code can also propagate via email, websites, or network-based software.

* Some malicious code claims to be one thing while in fact doing something different behind the scenes. For example, a program that claims it will speed up your computer may actually be sending confidential information to a remote intruder.
Viruses and worms are examples of malicious code.

* Vulnerability- In most cases, vulnerabilities are caused by programming errors in software. Attackers might be able to take advantage of these errors to infect your computer, so it is important to apply updates or patches that address known vulnerabilities (seeUnderstanding Patchesfor more information).
This series ofcyber security tipswill give you more information about how to recognize and protect yourself from attacks.
Understanding ISPs
What is an ISP?
An ISP, or internet service provider, is a company that provides its customers access to the internet and other web services. In addition to maintaining a direct line to the internet, the company usually maintains web servers. By supplying necessary software, a password-protected user account, and a way to connect to the internet (e.g., modem), ISPs offer their customers the capability to browse the web and exchange email with other people. Some ISPs also offer additional services. With the development of smart phones, many cell phone providers are also ISPs.
ISPs can vary in sizesome are operated by one individual, while others are large corporations. They may also vary in scopesome only support users in a particular city, while others have regional or national capabilities.
What services do ISPs provide?
Almost all ISPs offer email and web browsing capabilities. They also offer varying degrees of user support, usually in the form of an email address or customer support hotline. Most ISPs also offer web hosting capabilities, allowing users to create and maintain personal web pages; and some may even offer the service of developing the pages for you. Some ISPs bundle internet service with other services, such as television and telephone service. Many ISPs offer a wireless modem as part of their service so that customers can use devices equipped with Wi-Fi.
As part of normal operation, most ISPs perform backups of email and web files. If the ability to recover email and web files is important to you, check with your ISP to see if they back up the data; it might not be advertised as a service. Additionally, most ISPs implement firewalls to block some portion of incoming traffic, although you should consider this a supplement to your own security precautions, not a replacement (seeUnderstanding Firewallsfor more information).
How do you choose an ISP?
Traditional, broadband ISPs typically offer internet access through cable, DSL, or fiberoptic options. The availability of these options may depend where you live. In addition to the type of access, there are other factors that you may want to consider:

* security- Do you feel that the ISP is concerned about security? Does it use encryption and SSL (seeProtecting Your Privacyfor more information) to protect any information you submit (e.g., user name, password)? If the ISP provides a wireless modem, what wireless security standards does it support, and are those standards compatible with your existing devices?

* privacy- Does the ISP have a published privacy policy? Are you comfortable with who has access to your information and how it is being handled and used?

* services- Does your ISP offer the services you want? Do they meet your requirements? Is there adequate support for the services? If the ISP provides a wireless modem, are its wireless standards compatible with your existing devices?

* cost- Are the ISP's costs affordable? Are they reasonable for the number of services you receive, as well as the level of those services? Are you sacrificing quality and security to get the lowest price?

* reliability- Are the services your ISP provides reliable, or are they frequently unavailable due to maintenance, security problems, a high volume of users, or other reasons? If the ISP knows that services will be unavailable for a particular reason, does it adequately communicate that information?

* user support- Are there published methods for contacting customer support? Do you receive prompt and friendly service? Do their hours of availability accommodate your needs? Do the consultants have the appropriate level of knowledge?

* speed- How fast is your ISP's connection? Is it sufficient for accessing your email or navigating the internet?

* recommendations- Have you heard or seen positive reviews about the ISP? Were they from trusted sources? Does the ISP serve your geographic area? If you've uncovered negative points, are they factors you are concerned about?
Guidelines for Publishing Information Online
Why is it important to remember that the Internet public?
Because the Internet is so accessible and contains a wealth of information, it has become a popular resource for communicating, for researching topics, and for finding information about people. It may seem less intimidating than actually interacting with other people because there is a sense of anonymity. However, you are not really anonymous when you are online, and it is just as easy for people to find information about you as it is for you to find information about them. Unfortunately, many people have become so familiar and comfortable with the Internet that they may adopt practices that make them vulnerable. For example, although people are typically wary of sharing personal information with strangers they meet on the street, they may not hesitate to post that same information online. Once it is online, it can be accessed by a world of strangers, and you have no idea what they might do with that information.
What guidelines can you follow when publishing information on the Internet?

* View the Internet as a novel, not a diary - Make sure you are comfortable with anyone seeing the information you put online. Expect that people you have never met will find your page; even if you are keeping an online journal or blog, write it with the expectation that it is available for public consumption. Some sites may use passwords or other security restrictions to protect the information, but these methods are not usually used for most websites. If you want the information to be private or restricted to a small, select group of people, the Internet is probably not the best forum.

* Be careful what you advertise - In the past, it was difficult to find information about people other than their phone numbers or address. Now, an increasing amount of personal information is available online, especially because people are creating personal web pages with information about themselves. When deciding how much information to reveal, realize that you are broadcasting it to the world. Supplying your email address may increase the amount of spam you receive (see Reducing Spam for more information). Providing details about your hobbies, your job, your family and friends, and your past may give attackers enough information to perform a successful social engineering attack (see Avoiding Social Engineering and Phishing Attacks for more information).

* Realize that you can't take it back - Once you publish something online, it is available to other people and to search engines. You can change or remove information after something has been published, but it is possible that someone has already seen the original version. Even if you try to remove the page(s) from the Internet, someone may have saved a copy of the page or used excerpts in another source. Some search engines "cache" copies of web pages; these cached copies may be available after a web page has been deleted or altered. Some web browsers may also maintain a cache of the web pages a user has visited, so the original version may be stored in a temporary file on the user's computer. Think about these implications before publishing informationonce something is out there, you can't guarantee that you can completely remove it.
As a general practice, let your common sense guide your decisions about what to post online. Before you publish something on the Internet, determine what value it provides and consider the implications of having the information available to the public. Identity theft is an increasing problem, and the more information an attacker can gather about you, the easier it is to pretend to be you. Behave online the way you would behave in your daily life, especially when it involves taking precautions to protect yourself.
Understanding Anti-Virus Software
What does anti-virus software do?
Although details may vary between packages, anti-virus software scans files or your computer's memory for certain patterns that may indicate an infection. The patterns it looks for are based on the signatures, or definitions, of known viruses. Virus authors are continually releasing new and updated viruses, so it is important that you have the latest definitions installed on your computer.
Once you have installed an anti-virus package, you should scan your entire computer periodically.

* Automatic scans - Depending what software you choose, you may be able to configure it to automatically scan specific files or directories and prompt you at set intervals to perform complete scans.

* Manual scans - It is also a good idea to manually scan files you receive from an outside source before opening them. This includes

* saving and scanning email attachments or web downloads rather than selecting the option to open them directly from the source

* scanning media, including CDs and DVDs, for viruses before opening any of the files
What happens if the software finds a virus?
Each package has its own method of response when it locates a virus, and the response may differ according to whether the software locates the virus during an automatic or a manual scan. Sometimes the software will produce a dialog box alerting you that it has found a virus and asking whether you want it to "clean" the file (to remove the virus). In other cases, the software may attempt to remove the virus without asking you first. When you select an anti-virus package, familiarize yourself with its features so you know what to expect.
Which software should you use?
There are many vendors who produce anti-virus software, and deciding which one to choose can be confusing. All anti-virus software performs the same function, so your decision may be driven by recommendations, particular features, availability, or price.
Installing any anti-virus software, regardless of which package you choose, increases your level of protection. Be careful, though, of email messages claiming to include anti-virus software. These messages, supposedly from your ISP's technical support department, contain an attachment that claims to be anti-virus software. However, the attachment itself is in fact a virus, so you could become infected by opening it (see Using Caution with Email Attachments for more information).
How do you get the current virus information?
This process may differ depending what product you choose, so find out what your anti-virus software requires. Many anti-virus packages include an option to automatically receive updated virus definitions. Because new information is added frequently, it is a good idea to take advantage of this option. Resist believing email chain letters that claim that a well-known anti-virus vendor has recently detected the "worst virus in history" that will destroy your computer's hard drive. These emails are usually hoaxes (see Identifying Hoaxes and Urban Legends for more information). You can confirm virus information through your anti-virus vendor or through resources offered by other anti-virus vendors.
While installing anti-virus software is one of the easiest and most effective ways to protect your computer, it has its limitations. Because it relies on signatures, anti-virus software can only detect viruses that have signatures installed on your computer, so it is important to keep these signatures up to date. You will still be susceptible to viruses that circulate before the anti-virus vendors add their signatures, so continue to take other safety precautions as well.
Both the National Cyber Security Alliance and US-CERT have identified this topic as one of the top tips for home users.
Understanding Firewalls
What do firewalls do?
Firewalls provide protection against outside attackers by shielding your computer or network from malicious or unnecessary Internet traffic. Firewalls can be configured to block data from certain locations while allowing the relevant and necessary data through (see Understanding Denial-of-Service Attacks and Understanding Hidden Threats: Rootkits and Botnets for more information). They are especially important for users who rely on "always on" connections such as cable or DSL modems.
What type of firewall is best?
Firewalls are offered in two forms: hardware (external) and software (internal). While both have their advantages and disadvantages, the decision to use a firewall is far more important than deciding which type you use.

* Hardware - Typically called network firewalls, these external devices are positioned between your computer or network and your cable or DSL modem. Many vendors and some Internet service providers (ISPs) offer devices called "routers" that also include firewall features. Hardware-based firewalls are particularly useful for protecting multiple computers but also offer a high degree of protection for a single computer. If you only have one computer behind the firewall, or if you are certain that all of the other computers on the network are up to date on patches and are free from viruses, worms, or other malicious code, you may not need the extra protection of a software firewall. Hardware-based firewalls have the advantage of being separate devices running their own operating systems, so they provide an additional line of defense against attacks. Their major drawback is cost, but many products are available for less than $100 (and there are even some for less than $50).

* Software - Some operating systems include a built-in firewall; if yours does, consider enabling it to add another layer of protection even if you have an external firewall. If you don't have a built-in firewall, you can obtain a software firewall for relatively little or no cost from your local computer store, software vendors, or ISP. Because of the risks associated with downloading software from the Internet onto an unprotected computer, it is best to install the firewall from a CD or DVD. If you do download software from the Internet, make sure it is a reputable, secure website (see Understanding Web Site Certificates for more information). Although relying on a software firewall alone does provide some protection, realize that having the firewall on the same computer as the information you're trying to protect may hinder the firewall's ability to catch malicious traffic before it enters your system.
How do you know what configuration settings to apply?
Most commercially available firewall products, both hardware- and software-based, come configured in a manner that is acceptably secure for most users. Since each firewall is different, you'll need to read and understand the documentation that comes with it to determine whether or not the default settings on your firewall are sufficient for your needs. Additional assistance may be available from your firewall vendor or your ISP (either from tech support or a website). Also, alerts about current viruses or worms (such as US-CERT's Cyber Security Alerts) sometimes include information about restrictions you can implement through your firewall.
Unfortunately, while properly configured firewalls may be effective at blocking some attacks, don't be lulled into a false sense of security. Although they do offer a certain amount of protection, firewalls do not guarantee that your computer will not be attacked. In particular, a firewall offers little to no protection against viruses that work by having you run the infected program on your computer, as many email-borne viruses do. However, using a firewall in conjunction with other protective measures (such as anti-virus software and "safe" computing practices) will strengthen your resistance to attacks (see Understanding Anti-Virus Software and other security tips for more information).
Both the National Cyber Security Alliance and US-CERT have identified this topic as one of the top tips for home users.
Choosing and Protecting Passwords
Why do you need a password?
Think about the number of personal identification numbers (PINs), passwords, or passphrases you use every day: getting money from the ATM or using your debit card in a store, logging on to your computer or email, signing in to an online bank account or shopping cart...the list seems to just keep getting longer. Keeping track of all of the number, letter, and word combinations may be frustrating at times, and maybe you've wondered if all of the fuss is worth it. After all, what attacker cares about your personal email account, right? Or why would someone bother with your practically empty bank account when there are others with much more money? Often, an attack is not specifically about your account but about using the access to your information to launch a larger attack. And while having someone gain access to your personal email might not seem like much more than an inconvenience and threat to your privacy, think of the implications of an attacker gaining access to your social security number or your medical records.
One of the best ways to protect information or physical property is to ensure that only authorized people have access to it. Verifying that someone is the person they claim to be is the next step, and this authentication process is even more important, and more difficult, in the cyber world. Passwords are the most common means of authentication, but if you don't choose good passwords or keep them confidential, they're almost as ineffective as not having any password at all. Many systems and services have been successfully broken into due to the use of insecure and inadequate passwords, and some viruses and worms have exploited systems by guessing weak passwords.
How do you choose a good password?
Most people use passwords that are based on personal information and are easy to remember. However, that also makes it easier for an attacker to guess or "crack" them. Consider a four-digit PIN number. Is yours a combination of the month, day, or year of your birthday? Or the last four digits of your social security number? Or your address or phone number? Think about how easily it is to find this information out about somebody. What about your email passwordis it a word that can be found in the dictionary? If so, it may be susceptible to "dictionary" attacks, which attempt to guess passwords based on words in the dictionary.
Although intentionally misspelling a word ("daytt" instead of "date") may offer some protection against dictionary attacks, an even better method is to rely on a series of words and use memory techniques, or mnemonics, to help you remember how to decode it. For example, instead of the password "hoops," use "IlTpbb" for "[I] [l]ike [T]o [p]lay [b]asket[b]all." Using both lowercase and capital letters adds another layer of obscurity. Your best defense, though, is to use a combination of numbers, special characters, and both lowercase and capital letters. Change the same example we used above to "Il!2pBb." and see how much more complicated it has become just by adding numbers and special characters.
Longer passwords are more secure than shorter ones because there are more characters to guess, so consider using passphrases when you can. For example, "This passwd is 4 my email!" would be a strong password because it has many characters and includes lowercase and capital letters, numbers, and special characters. You may need to try different variations of a passphrasemany applications limit the length of passwords, and some do not accept spaces. Avoid common phrases, famous quotations, and song lyrics.
Don't assume that now that you've developed a strong password you should use it for every system or program you log into. If an attacker does guess it, he would have access to all of your accounts. You should use these techniques to develop unique passwords for each of your accounts.
Here is a review of tactics to use when choosing a password:

* Don't use passwords that are based on personal information that can be easily accessed or guessed.

* Don't use words that can be found in any dictionary of any language.

* Develop a mnemonic for remembering complex passwords.

* Use both lowercase and capital letters.

* Use a combination of letters, numbers, and special characters.

* Use passphrases when you can.

* Use different passwords on different systems.
How can you protect your password?
Now that you've chosen a password that's difficult to guess, you have to make sure not to leave it someplace for people to find. Writing it down and leaving it in your desk, next to your computer, or, worse, taped to your computer, is just making it easy for someone who has physical access to your office. Don't tell anyone your passwords, and watch for attackers trying to trick you through phone calls or email messages requesting that you reveal your passwords (seeAvoiding Social Engineering and Phishing Attacksfor more information).
If your internet service provider (ISP) offers choices of authentication systems, look for ones that use Kerberos, challenge/response, or public key encryption rather than simple passwords (seeUnderstanding ISPsandSupplementing Passwordsfor more information). Consider challenging service providers that only use passwords to adopt more secure methods.
Also, many programs offer the option of "remembering" your password, but these programs have varying degrees of security protecting that information. Some programs, such as email clients, store the information in clear text in a file on your computer. This means that anyone with access to your computer can discover all of your passwords and can gain access to your information. For this reason, always remember to log out when you are using a public computer (at the library, an internet cafe, or even a shared computer at your office). Other programs, such as Apple's Keychain and Palm's Secure Desktop, use strong encryption to protect the information. These types of programs may be viable options for managing your passwords if you find you have too many to remember.
There's no guarantee that these techniques will prevent an attacker from learning your password, but they will make it more difficult.
Coordinating Virus and Spyware Defense
Isn't it better to have more protection?
Spyware and viruses can interfere with your computer's ability to process information or can modify or destroy data. You may feel that the more anti-virus and anti-spyware programs you install on your computer, the safer you will be. It is true that not all programs are equally effective, and they will not all detect the same malicious code. However, by installing multiple programs in an attempt to catch everything, you may introduce problems.
How can anti-virus or anti-spyware software cause problems?
It is important to use anti-virus and anti-spyware software (see Understanding Anti-Virus Software and Recognizing and Avoiding Spyware for more information). But too much or the wrong kind can affect the performance of your computer and the effectiveness of the software itself.
Scanning your computer for viruses and spyware uses some of the available memory on your computer. If you have multiple programs trying to scan at the same time, you may limit the amount of resources left to perform your tasks. Essentially, you have created a denial of service against yourself (see Understanding Denial-of-Service Attacks for more information). It is also possible that in the process of scanning for viruses and spyware, anti-virus or anti-spyware software may misinterpret the virus definitions of other programs. Instead of recognizing them as definitions, the software may interpret the definitions as actual malicious code. Not only could this result in false positives for the presence of viruses or spyware, but the anti-virus or anti-spyware software may actually quarantine or delete the other software.
How can you avoid these problems?

* Investigate your options in advance - Research available anti-virus and anti-spyware software to determine the best choice for you. Consider the amount of malicious code the software recognizes, and try to find out how frequently the virus definitions are updated. Also check for known compatibility issues with other software you may be running on your computer.

* Limit the number of programs you install - Many vendors are now releasing packages that incorporate both anti-virus and anti-spyware capabilities together. However, if you decide to choose separate programs, you really only need one anti-virus program and one anti-spyware program. If you install more, you increase your risk for problems.

* Install the software in phases - Install the anti-virus software first and test it for a few days before installing anti-spyware software. If problems develop, you have a better chance at isolating the source and then determining if it is an issue with the software itself or with compatibility.

* Watch for problems - If your computer starts processing requests more slowly, you are seeing error messages when updating your virus definitions, your software does not seem to be recognizing malicious code, or other issues develop that cannot be easily explained, check your anti-virus and anti-spyware software.

Debunking Some Common Myths
How are these myths established?
There is no one cause for these myths. They may have been formed because of a lack of information, an assumption, knowledge of a specific case that was then generalized, or some other source. As with any myth, they are passed from one individual to another, usually because they seem legitimate enough to be true.
Why is it important to know the truth?
While believing these myths may not present a direct threat, they may cause you to be more lax about your security habits. If you are not diligent about protecting yourself, you may be more likely to become a victim of an attack.
What are some common myths, and what is the truth behind them?

* Myth: Anti-virus software and firewalls are 100% effective.
Truth: Anti-virus software and firewalls are important elements to protecting your information (see Understanding Anti-Virus Software and Understanding Firewalls for more information). However, neither of these elements are guaranteed to protect you from an attack. Combining these technologies with good security habits is the best way to reduce your risk.

* Myth: Once software is installed on your computer, you do not have to worry about it anymore.
Truth: Vendors may release updated versions of software to address problems or fix vulnerabilities (see Understanding Patches for more information). You should install the updates as soon as possible; some software even offers the option to obtain updates automatically. Making sure that you have the latest virus definitions for your anti-virus software is especially important.

* Myth: There is nothing important on your machine, so you do not need to protect it.
Truth: Your opinion about what is important may differ from an attacker's opinion. If you have personal or financial data on your computer, attackers may be able to collect it and use it for their own financial gain. Even if you do not store that kind of information on your computer, an attacker who can gain control of your computer may be able to use it in attacks against other people (see Understanding Denial-of-Service Attacks and Understanding Hidden Threats: Rootkits and Botnets for more information).

* Myth: Attackers only target people with money.
Truth: Anyone can become a victim of identity theft. Attackers look for the biggest reward for the least amount of effort, so they typically target databases that store information about many people. If your information happens to be in the database, it could be collected and used for malicious purposes. It is important to pay attention to your credit information so that you can minimize any potential damage (see Preventing and Responding to Identity Theft for more information).

* Myth: When computers slow down, it means that they are old and should be replaced.
Truth: It is possible that running newer or larger software programs on an older computer could lead to slow performance, but you may just need to replace or upgrade a particular component (memory, operating system, CD or DVD drive, etc.). Another possibility is that there are other processes or programs running in the background. If your computer has suddenly become slower, it may be compromised by malware or spyware, or you may be experiencing a denial-of-service attack (see Recognizing and Avoiding Spyware and Understanding Denial-of-Service Attacks for more information).
Good Security Habits
How can you minimize the access other people have to your information?
You may be able to easily identify people who could, legitimately or not, gain physical access to your computerfamily members, roommates, co-workers, members of a cleaning crew, and maybe others. Identifying the people who could gain remote access to your computer becomes much more difficult. As long as you have a computer and connect it to a network, you are vulnerable to someone or something else accessing or corrupting your information; however, you can develop habits that make it more difficult.

* Lock your computer when you are away from it. Even if you only step away from your computer for a few minutes, it's enough time for someone else to destroy or corrupt your information. Locking your computer prevents another person from being able to simply sit down at your computer and access all of your information.

* Disconnect your computer from the Internet when you aren't using it. The development of technologies such as DSL and cable modems have made it possible for users to be online all the time, but this convenience comes with risks. The likelihood that attackers or viruses scanning the network for available computers will target your computer becomes much higher if your computer is always connected. Depending on what method you use to connect to the Internet, disconnecting may mean disabling a wireless connection, turning off your computer or modem, or disconnecting cables. When you are connected, make sure that you have a firewall enabled (see Understanding Firewalls for more information).

* Evaluate your security settings. Most software, including browsers and email programs, offers a variety of features that you can tailor to meet your needs and requirements. Enabling certain features to increase convenience or functionality may leave you more vulnerable to being attacked. It is important to examine the settings, particularly the security settings, and select options that meet your needs without putting you at increased risk. If you install a patch or a new version of the software, or if you hear of something that might affect your settings, reevaluate your settings to make sure they are still appropriate (see Understanding Patches, Safeguarding Your Data, and Evaluating Your Web Browser's Security Settings for more information).
What other steps can you take?
Sometimes the threats to your information aren't from other people but from natural or technological causes. Although there is no way to control or prevent these problems, you can prepare for them and try to minimize the damage.

* Protect your computer against power surges and brief outages. Aside from providing outlets to plug in your computer and all of its peripherals, some power strips protect your computer against power surges. Many power strips now advertise compensation if they do not effectively protect your computer. Power strips alone will not protect you from power outages, but there are products that do offer an uninterruptible power supply when there are power surges or outages. During a lightning storm or construction work that increases the odds of power surges, consider shutting your computer down and unplugging it from all power sources.

* Back up all of your data. Whether or not you take steps to protect yourself, there will always be a possibility that something will happen to destroy your data. You have probably already experienced this at least once losing one or more files due to an accident, a virus or worm, a natural event, or a problem with your equipment. Regularly backing up your data on a CD or network reduces the stress and other negative consequences that result from losing important information (see Real-World Warnings Keep You Safe Online for more information). Determining how often to back up your data is a personal decision. If you are constantly adding or changing data, you may find weekly backups to be the best alternative; if your content rarely changes, you may decide that your backups do not need to be as frequent. You don't need to back up software that you own on CD-ROM or DVD-ROMyou can reinstall the software from the original media if necessary.
Keeping Children Safe Online
What unique risks are associated with children?
When a child is using your computer, normal safeguards and security practices may not be sufficient. Children present additional challenges because of their natural characteristics: innocence, curiosity, desire for independence, and fear of punishment. You need to consider these characteristics when determining how to protect your data and the child.
You may think that because the child is only playing a game, or researching a term paper, or typing a homework assignment, he or she can't cause any harm. But what if, when saving her paper, the child deletes a necessary program file? Or what if she unintentionally visits a malicious web page that infects your computer with a virus? These are just two possible scenarios. Mistakes happen, but the child may not realize what she's done or may not tell you what happened because she's afraid of getting punished.
Online predators present another significant threat, particularly to children. Because the nature of the internet is so anonymous, it is easy for people to misrepresent themselves and manipulate or trick other users (see Avoiding Social Engineering and Phishing Attacks for some examples). Adults often fall victim to these ploys, and children, who are usually much more open and trusting, are even easier targets. Another growing problem is cyberbullying. These threats are even greater if a child has access to email or instant messaging programs, visits chat rooms, and/or uses social networking sites.
What can you do?

* Be involved - Consider activities you can work on together, whether it be playing a game, researching a topic you had been talking about (e.g., family vacation spots, a particular hobby, a historical figure), or putting together a family newsletter. This will allow you to supervise your child's online activities while teaching her good computer habits.

* Keep your computer in an open area - If your computer is in a high-traffic area, you will be able to easily monitor the computer activity. Not only does this accessibility deter a child from doing something she knows she's not allowed to do, it also gives you the opportunity to intervene if you notice a behavior that could have negative consequences.

* Set rules and warn about dangers - Make sure your child knows the boundaries of what she is allowed to do on the computer. These boundaries should be appropriate for the child's age, knowledge, and maturity, but they may include rules about how long she is allowed to be on the computer, what sites she is allowed to visit, what software programs she can use, and what tasks or activities she is allowed to do.

You should also talk to children about the dangers of the internet so that they recognize suspicious behavior or activity. Discuss the risks of sharing certain types of information (e.g., that they're home alone) and the benefits to only communicating and sharing information with people they know (see Using Instant Messaging and Chat Rooms Safely, Staying Safe on Social Network Sites, and the document Socializing Securely: Using Social Networking Services for more information). The goal isn't to scare them, it's to make them more aware. Make sure to include the topic of cyberbullying in these discussions (see Dealing with Cyberbullies for more information).

* Monitor computer activity - Be aware of what your child is doing on the computer, including which websites she is visiting. If she is using email, instant messaging, or chat rooms, try to get a sense of who she is corresponding with and whether she actually knows them.

* Keep lines of communication open - Let your child know that she can approach you with any questions or concerns about behaviors or problems she may have encountered on the computer.

* Consider partitioning your computer into separate accounts - Most operating systems give you the option of creating a different user account for each user. If you're worried that your child may accidentally access, modify, and/or delete your files, you can give her a separate account and decrease the amount of access and number of privileges she has.

If you don't have separate accounts, you need to be especially careful about your security settings. In addition to limiting functionality within your browser (see Evaluating Your Web Browser's Security Settings for more information), avoid letting your browser remember passwords and other personal information (see Browsing Safely: Understanding Active Content and Cookies). Also, it is always important to keep your virus definitions up to date (see Understanding Anti-Virus Software).

* Consider implementing parental controls - You may be able to set some parental controls within your browser. For example, Internet Explorer allows you to restrict or allow certain websites to be viewed on your computer, and you can protect these settings with a password. To find those options, click Tools on your menu bar, select Internet Options, choose the Content tab, and click the Enable... button under Content Advisor.

There are other resources you can use to control and/or monitor your child's online activity. Some ISPs offer services designed to protect children online. Contact your ISP to see if any of these services are available. There are also special software programs you can install on your computer. Different programs offer different features and capabilities, so you can find one that best suits your needs.
Real-World Warnings Keep You Safe Online
Why are these warnings important?
Like the real world, technology and the internet present dangers as well as benefits. Equipment fails, attackers may target you, and mistakes and poor judgment happen. Just as you take precautions to protect yourself in the real world, you need to take precautions to protect yourself online. For many users, computers and the internet are unfamiliar and intimidating, so it is appropriate to approach them the same way we urge children to approach the real world.
What are some warnings to remember?

* Don't trust candy from strangers - Finding something on the internet does not guarantee that it is true. Anyone can publish information online, so before accepting a statement as fact or taking action, verify that the source is reliable. It is also easy for attackers to "spoof" email addresses, so verify that an email is legitimate before opening an unexpected email attachment or responding to a request for personal information (see Using Caution with Email Attachments and Avoiding Social Engineering and Phishing Attacks for more information).

* If it sounds too good to be true, it probably is - You have probably seen many emails promising fantastic rewards or monetary gifts. However, regardless of what the email claims, there are not any wealthy strangers desperate to send you money. Beware of grand promisesthey are most likely spam, hoaxes, or phishing schemes (see Reducing Spam, Identifying Hoaxes and Urban Legends, and Avoiding Social Engineering and Phishing Attacks for more information). Also be wary of pop-up windows and advertisements for free downloadable softwarethey may be disguising spyware (see Recognizing and Avoiding Spyware for more information).

* Don't advertise that you are away from home - Some email accounts, especially within an organization, offer a feature (called an autoresponder) that allows you to create an "away" message if you are going to be away from your email for an extended period of time. The message is automatically sent to anyone who emails you while the autoresponder is enabled. While this is a helpful feature for letting your contacts know that you will not be able to respond right away, be careful how you phrase your message. You do not want to let potential attackers know that you are not home, or, worse, give specific details about your location and itinerary. Safer options include phrases such as "I will not have access to email between [date] and [date]." If possible, also restrict the recipients of the message to people within your organization or in your address book. If your away message replies to spam, it only confirms that your email account is active. This may increase the amount of spam you receive (see Reducing Spam for more information).

* Lock up your valuables - If an attacker is able to access your personal data, he or she may be able to compromise or steal the information. Take steps to protect this information by following good security practices (see the Tips index page for a list of relevant documents). Some of the most basic precautions include locking your computer when you step away; using firewalls, anti-virus software, and strong passwords; installing appropriate software updates; and taking precautions when browsing or using email.

* Have a backup plan - Since your information could be lost or compromised (due to an equipment malfunction, an error, or an attack), make regular backups of your information so that you still have clean, complete copies (see Good Security Habits for more information). Backups also help you identify what has been changed or lost. If your computer has been infected, it is important to remove the infection before resuming your work (see Recovering from Viruses, Worms, and Trojan Horses for more information). Keep in mind that if you did not realize that your computer was infected, your backups may also be compromised.
Safeguarding Your Data
Why isn't "more" better?
Maybe there is an extra software program included with a program you bought. Or perhaps you found a free download online. You may be tempted to install the programs just because you can, or because you think you might use them later. However, even if the source and the software are legitimate, there may be hidden risks. And if other people use your computer, there are additional risks.
These risks become especially important if you use your computer to manage your personal finances (banking, taxes, online bill payment, etc.), store sensitive personal data, or perform work-related activities away from the office. However, there are steps you can take to protect yourself.
How can you protect both your personal and work-related data?

* Use and maintain anti-virus software and a firewall - Protect yourself against viruses and Trojan horses that may steal or modify the data on your own computer and leave you vulnerable by using anti-virus software and a firewall (see Understanding Anti-Virus Software and Understanding Firewalls for more information). Make sure to keep your virus definitions up to date.

* Regularly scan your computer for spyware - Spyware or adware hidden in software programs may affect the performance of your computer and give attackers access to your data. Use a legitimate anti-spyware program to scan your computer and remove any of these files (see Recognizing and Avoiding Spyware for more information). Many anti-virus products have incorporated spyware detection.

* Keep software up to date - Install software patches so that attackers cannot take advantage of known problems or vulnerabilities (see Understanding Patches for more information). Many operating systems offer automatic updates. If this option is available, you should turn it on.

* Evaluate your software's settings - The default settings of most software enable all available functionality. However, attackers may be able to take advantage of this functionality to access your computer. It is especially important to check the settings for software that connects to the internet (browsers, email clients, etc.). Apply the highest level of security available that still gives you the functionality you need.

* Avoid unused software programs - Do not clutter your computer with unnecessary software programs. If you have programs on your computer that you do not use, consider uninstalling them. In addition to consuming system resources, these programs may contain vulnerabilities that, if not patched, may allow an attacker to access your computer.

* Consider creating separate user accounts - If there are other people using your computer, you may be worried that someone else may accidentally access, modify, and/or delete your files. Most operating systems (including Windows XP and Vista, Mac OS X, and Linux) give you the option of creating a different user account for each user, and you can set the amount of access and privileges for each account. You may also choose to have separate accounts for your work and personal purposes. While this approach will not completely isolate each area, it does offer some additional protection. However, it will not protect your computer against vulnerabilities that give an attacker administrative privileges. Ideally, you will have separate computers for work and personal use; this will offer a different type of protection.

* Establish guidelines for computer use - If there are multiple people using your computer, especially children, make sure they understand how to use the computer and internet safely. Setting boundaries and guidelines will help to protect your data (see Keeping Children Safe Online for more information).

* Use passwords and encrypt sensitive files - Passwords and other security features add layers of protection if used appropriately (see Choosing and Protecting Passwords and Supplementing Passwords for more information). By encrypting files, you ensure that unauthorized people can't view data even if they can physically access it. You may also want to consider options for full disk encryption, which prevents a thief from even starting your laptop without a passphrase. When you use encryption, it is important to remember your passwords and passphrases; if you forget or lose them, you may lose your data.

* Follow corporate policies for handling and storing work-related information - If you use your computer for work-related purposes, make sure to follow any corporate policies for handling and storing the information. These policies were likely established to protect proprietary information and customer data, as well as to protect you and the company from liability. Even if it is not explicitly stated in your corporate policy, you should avoid allowing other people, including family members, to use a computer that contains corporate data.

* Dispose of sensitive information properly - Simply deleting a file does not completely erase it. To ensure that an attacker cannot access these files, make sure that you adequately erase sensitive files (see Effectively Erasing Files for more information).

* Follow good security habits - Review other security tips for ways to protect yourself and your data.
Cybersecurity for Electronic Devices
Why does cybersecurity extend beyond computers?
Actually, the issue is not that cybersecurity extends beyond computers; it is that computers extend beyond traditional laptops and desktops. Many electronic devices are computersfrom cell phones and tablets to video games and car navigation systems. While computers provide increased features and functionality, they also introduce new risks. Attackers may be able to take advantage of these technological advancements to target devices previously considered "safe." For example, an attacker may be able to infect your cell phone with a virus, steal your phone or wireless service, or access the data on your device. Not only do these activities have implications for your personal information, but they could also have serious consequences if you store corporate information on the device.
What types of electronics are vulnerable?
Any piece of electronic equipment that uses some kind of computerized component is vulnerable to software imperfections and vulnerabilities. The risks increase if the device is connected to the internet or a network that an attacker may be able to access. Remember that a wireless connection also introduces these risks (see Securing Wireless Networks for more information). The outside connection provides a way for an attacker to send information to or extract information from your device.
How can you protect yourself?

* Remember physical security - Having physical access to a device makes it easier for an attacker to extract or corrupt information. Do not leave your device unattended in public or easily accessible areas (see Protecting Portable Devices: Physical Security for more information).

* Keep software up to date - If the vendor releases updates for the software operating your device, install them as soon as possible. Installing them will prevent attackers from being able to take advantage of known problems or vulnerabilities (see Understanding Patches for more information).

* Use good passwords - Choose devices that allow you to protect your information with passwords. Select passwords that will be difficult for thieves to guess, and use different passwords for different programs and devices (see Choosing and Protecting Passwords for more information). Do not choose options that allow your computer to remember your passwords.

* Disable remote connectivity - Some mobile devices are equipped with wireless technologies, such as Bluetooth, that can be used to connect to other devices or computers. You should disable these features when they are not in use (see Understanding Bluetooth Technology for more information).

* Encrypt files - If you are storing personal or corporate information, see if your device offers the option to encrypt the files. By encrypting files, you ensure that unauthorized people can't view data even if they can physically access it. When you use encryption, it is important to remember your passwords and passphrases; if you forget or lose them, you may lose your data.
Defending Cell Phones and PDAs Against Attack
What unique risks do cell phones and PDAs present?
Most current cell phones have the ability to send and receive text messages. Some cell phones and PDAs also offer the ability to connect to the internet. Although these are features that you might find useful and convenient, attackers may try to take advantage of them. As a result, an attacker may be able to accomplish the following:

* abuse your service - Most cell phone plans limit the number of text messages you can send and receive. If an attacker spams you with text messages, you may be charged additional fees. An attacker may also be able to infect your phone or PDA with malicious code that will allow them to use your service. Because the contract is in your name, you will be responsible for the charges.

* lure you to a malicious web site - While PDAs and cell phones that give you access to email are targets for standard phishing attacks, attackers are now sending text messages to cell phones. These messages, supposedly from a legitimate company, may try to convince you to visit a malicious site by claiming that there is a problem with your account or stating that you have been subscribed to a service. Once you visit the site, you may be lured into providing personal information or downloading a malicious file (see Avoiding Social Engineering and Phishing Attacks for more information).

* use your cell phone or PDA in an attack - Attackers who can gain control of your service may use your cell phone or PDA to attack others. Not only does this hide the real attacker's identity, it allows the attacker to increase the number of targets (see Understanding Denial-of-Service Attacks for more information).

* gain access to account information - In some areas, cell phones are becoming capable of performing certain transactions (from paying for parking or groceries to conducting larger financial transactions). An attacker who can gain access to a phone that is used for these types of transactions may be able to discover your account information and use or sell it.
What can you do to protect yourself?

* Follow general guidelines for protecting portable devices - Take precautions to secure your cell phone and PDA the same way you should secure your computer (see Cybersecurity for Electronic Devices and Protecting Portable Devices: Data Security for more information).

* Be careful about posting your cell phone number and email address - Attackers often use software that browses web sites for email addresses. These addresses then become targets for attacks and spam (see Reducing Spam for more information). Cell phone numbers can be collected automatically, too. By limiting the number of people who have access to your information, you limit your risk of becoming a victim.

* Do not follow links sent in email or text messages - Be suspicious of URLs sent in unsolicited email or text messages. While the links may appear to be legitimate, they may actually direct you to a malicious web site.

* Be wary of downloadable software - There are many sites that offer games and other software you can download onto your cell phone or PDA. This software could include malicious code. Avoid downloading files from sites that you do not trust. If you are getting the files from a supposedly secure site, look for a web site certificate (see Understanding Web Site Certificates for more information). If you do download a file from a web site, consider saving it to your computer and manually scanning it for viruses before opening it.

* Evaluate your security settings - Make sure that you take advantage of the security features offered on your device. Attackers may take advantage of Bluetooth connections to access or download information on your device. Disable Bluetooth when you are not using it to avoid unauthorized access (see Understanding Bluetooth Technology for more information).
Holiday Traveling with Personal Internet-Enabled Devices
Know the risks
Your smart phone, tablet, or other device is a full-fledged computer. It is susceptible to risks inherent in online transactions. When shopping, banking, or sharing personal information online, take the same precautions with your smart phone or other device that you do with your personal computer and then some. The mobile nature of these devices means that you should also take precautions for the physical security of your device (see Protecting Portable Devices: Physical Security for more information) and consider the way you are accessing the internet.
Do not use public Wi-Fi networks
Avoid using open Wi-Fi networks to conduct personal business, bank, or shop online. Open Wi-Fi networks at places such as airports, coffee shops, and other public locations present an opportunity for attackers to intercept sensitive information that you would provide to complete an online transaction.
If you simply must check your bank balance or make an online purchase while you are traveling, turn off your device's Wi-Fi connection and use your mobile device's cellular data internet connection instead of making the transaction over an unsecure Wi-Fi network.
Turn off Bluetooth when not in use
Bluetooth-enabled accessories can be helpful, such as earpieces for hands-free talking and external keyboards for ease of typing. When these devices are not in use, turn off the Bluetooth setting on your phone. Cyber criminals have the capability to pair with your phone's open Bluetooth connection when you are not using it and steal personal information.
Be cautious when charging
Avoid connecting your mobile device to any computer or charging station that you do not control, such as a charging station at an airport terminal or a shared computer at a library. Connecting a mobile device to a computer using a USB cable can allow software running on that computer to interact with the phone in ways that a user may not anticipate. As a result, a malicious computer could gain access to your sensitive data or install new software. Don't Fall Victim to Phishing Scams If you are in the shopping mode, an email that appears to be from a legitimate retailer might be difficult to resist. If the deal looks too good to be true, or the link in the email or attachment to the text seems suspicious, do not click on it!
What to do if your accounts are compromised
If you notice that one of your online accounts has been hacked, call the bank, store, or credit card company that owns your account. Reporting fraud in a timely manner helps minimize the impact and lessens your personal liability. You should also change your account passwords for any online services associated with your mobile device using a different computer that you control. If you are the victim of identity theft, additional information is available from http://www.idtheft.gov/.
For even more information about keeping your devices safe, read Cybersecurity for Electronic Devices.


Protecting Portable Devices: Data Security
Why do you need another layer of protection?
Although there are ways to physically protect your laptop, PDA, or other portable device (see Protecting Portable Devices: Physical Security for more information), there is no guarantee that it won't be stolen. After all, as the name suggests, portable devices are designed to be easily transported. The theft itself is, at the very least, frustrating, inconvenient, and unnerving, but the exposure of information on the device could have serious consequences. Also, remember that any devices that are connected to the internet, especially if it is a wireless connection, are also susceptible to network attacks (see Securing Wireless Networks for more information).
What can you do?

* Use passwords correctly - In the process of getting to the information on your portable device, you probably encounter multiple prompts for passwords. Take advantage of this security. Don't choose options that allow your computer to remember passwords, don't choose passwords that thieves could easily guess, use different passwords for different programs, and take advantage of additional authentication methods (see Choosing and Protecting Passwords and Supplementing Passwords for more information).

* Consider storing important data separately - There are many forms of storage media, including CDs, DVDs, and removable flash drives (also known as USB drives or thumb drives). By saving your data on removable media and keeping it in a different location (e.g., in your suitcase instead of your laptop bag), you can protect your data even if your laptop is stolen. You should make sure to secure the location where you keep your data to prevent easy access. It may be helpful to carry storage media with other valuables that you keep with you at all times and that you naturally protect, such as a wallet or keys.

* Encrypt files - By encrypting files, you ensure that unauthorized people can't view data even if they can physically access it. You may also want to consider options for full disk encryption, which prevents a thief from even starting your laptop without a passphrase. When you use encryption, it is important to remember your passwords and passphrases; if you forget or lose them, you may lose your data.

* Install and maintain anti-virus software - Protect laptops and PDAs from viruses the same way you protect your desktop computer. Make sure to keep your virus definitions up to date (see Understanding Anti-Virus Software for more information). If your anti-virus software doesn't include anti-spyware software, consider installing separate software to protect against that threat (see Recognizing and Avoiding Spyware and Coordinating Virus and Spyware Defense for more information).

* Install and maintain a firewall - While always important for restricting traffic coming into and leaving your computer, firewalls are especially important if you are traveling and using different networks. Firewalls can help prevent outsiders from gaining unwanted access (see Understanding Firewalls for more information).

* Back up your data - Make sure to back up any data you have on your computer onto a CD-ROM, DVD-ROM, or network (see Good Security Habits and Real-World Warnings Keep You Safe Online for more information). Not only will this ensure that you will still have access to the information if your device is stolen, but it could help you identify exactly which information a thief may be able to access. You may be able to take measures to reduce the amount of damage that exposure could cause.
Protecting Portable Devices: Physical Security
What is at risk?
Only you can determine what is actually at risk. If a thief steals your laptop or mobile device, the most obvious loss is the machine itself. However, if the thief is able to access the information on the computer or mobile device, all of the information stored on the device is at risk, as well as any additional information that could be accessed as a result of the data stored on the device itself.
Sensitive corporate information or customer account information should not be accessed by unauthorized people. You've probably heard news stories about organizations panicking because laptops with confidential information on them have been lost or stolen. But even if there isn't any sensitive corporate information on your laptop or mobile device, think of the other information at risk: information about appointments, passwords, email addresses and other contact information, personal information for online accounts, etc.
How can you protect your laptop or internet-enabled device?

* Password-protect your computer - Make sure that you have to enter a password to log in to your computer or mobile device (see Choosing and Protecting Passwords for more information).

* Keep your valuables with you at all times - When traveling, keep your device with you. Meal times are optimum times for thieves to check hotel rooms for unattended laptops. If you are attending a conference or trade show, be especially warythese venues offer thieves a wider selection of devices that are likely to contain sensitive information, and the conference sessions offer more opportunities for thieves to access guest rooms.

* Downplay your laptop or mobile device - There is no need to advertise to thieves that you have a laptop or mobile device. Avoid using your device in public areas, and consider non-traditional bags for carrying your laptop.

* Be aware of your surroundings - If you do use your laptop or mobile device in a public area, pay attention to people around you. Take precautions to shield yourself from "shoulder surfers"make sure that no one can see you type your passwords or see any sensitive information on your screen.

* Consider an alarm or lock - Many companies sell alarms or locks that you can use to protect or secure your laptop. If you travel often or will be in a heavily populated area, you may want to consider investing in an alarm for your laptop bag or a lock to secure your laptop to a piece of furniture.

* Back up your files - If your mobile device is stolen, it's bad enough that someone else may be able to access your information. To avoid losing all of the information, make backups of important information and store the backups in a separate location (see Good Security Habits for more information). Not only will you still be able to access the information, but you'll be able to identify and report exactly what information is at risk.
What can you do if your laptop or mobile device is lost or stolen?
Report the loss or theft to the appropriate authorities. These parties may include representatives from law enforcement agencies, as well as hotel or conference staff. If your device contained sensitive corporate or customer account information, immediately report the loss or theft to your organization so that they can act quickly.
Securing Wireless Networks
How do wireless networks work?
As the name suggests, wireless networks, sometimes called WiFi, allow you to connect to the internet without relying on wires. If your home, office, airport, or even local coffee shop has a wireless connection, you can access the network from anywhere that is within that wireless area.
Wireless networks rely on radio waves rather than wires to connect computers to the internet. A transmitter, known as a wireless access point or gateway, is wired into an internet connection. This provides a "hotspot" that transmits the connectivity over radio waves. Hotspots have identifying information, including an item called an SSID (service set identifier), that allow computers to locate them. Computers that have a wireless card and have permission to access the wireless frequency can take advantage of the network connection. Some computers may automatically identify open wireless networks in a given area, while others may require that you locate and manually enter information such as the SSID.
What security threats are associated with wireless networks?
Because wireless networks do not require a wire between a computer and the internet connection, it is possible for attackers who are within range to hijack or intercept an unprotected connection. A practice known as wardriving involves individuals equipped with a computer, a wireless card, and a GPS device driving through areas in search of wireless networks and identifying the specific coordinates of a network location. This information is then usually posted online. Some individuals who participate in or take advantage of wardriving have malicious intent and could use this information to hijack your home wireless network or intercept the connection between your computer and a particular hotspot.
What can you do to minimize the risks to your wireless network?

* Change default passwords - Most network devices, including wireless access points, are pre-configured with default administrator passwords to simplify setup. These default passwords are easily found online, so they don't provide any protection. Changing default passwords makes it harder for attackers to take control of the device (see Choosing and Protecting Passwords for more information).

* Restrict access - Only allow authorized users to access your network. Each piece of hardware connected to a network has a MAC (media access control) address. You can restrict or allow access to your network by filtering MAC addresses. Consult your user documentation to get specific information about enabling these features. There are also several technologies available that require wireless users to authenticate before accessing the network.

* Encrypt the data on your network - WEP (Wired Equivalent Privacy) and WPA (Wi-Fi Protected Access) both encrypt information on wireless devices. However, WEP has a number of security issues that make it less effective than WPA, so you should specifically look for gear that supports encryption via WPA. Encrypting the data would prevent anyone who might be able to access your network from viewing your data (see Understanding Encryption for more information).

* Protect your SSID - To avoid outsiders easily accessing your network, avoid publicizing your SSID. Consult your user documentation to see if you can change the default SSID to make it more difficult to guess.

* Install a firewall - While it is a good security practice to install a firewall on your network, you should also install a firewall directly on your wireless devices (a host-based firewall). Attackers who can directly tap into your wireless network may be able to circumvent your network firewalla host-based firewall will add a layer of protection to the data on your computer (see Understanding Firewalls for more information).

* Maintain anti-virus software - You can reduce the damage attackers may be able to inflict on your network and wireless computer by installing anti-virus software and keeping your virus definitions up to date (see Understanding Anti-Virus Software for more information). Many of these programs also have additional features that may protect against or detect spyware and Trojan horses (see Recognizing and Avoiding Spyware and Why is Cyber Security a Problem? for more information).
Using Caution with USB Drives
What security risks are associated with USB drives?
Because USB drives, sometimes known as thumb drives, are small, readily available, inexpensive, and extremely portable, they are popular for storing and transporting files from one computer to another. However, these same characteristics make them appealing to attackers.
One option is for attackers to use your USB drive to infect other computers. An attacker might infect a computer with malicious code, or malware, that can detect when a USB drive is plugged into a computer. The malware then downloads malicious code onto the drive. When the USB drive is plugged into another computer, the malware infects that computer.
Some attackers have also targeted electronic devices directly, infecting items such as electronic picture frames and USB drives during production. When users buy the infected products and plug them into their computers, malware is installed on their computers.
Attackers may also use their USB drives to steal information directly from a computer. If an attacker can physically access a computer, he or she can download sensitive information directly onto a USB drive. Even computers that have been turned off may be vulnerable, because a computer's memory is still active for several minutes without power. If an attacker can plug a USB drive into the computer during that time, he or she can quickly reboot the system from the USB drive and copy the computer's memory, including passwords, encryption keys, and other sensitive data, onto the drive. Victims may not even realize that their computers were attacked.
The most obvious security risk for USB drives, though, is that they are easily lost or stolen (see Protecting Portable Devices: Physical Security for more information). If the data was not backed up, the loss of a USB drive can mean hours of lost work and the potential that the information cannot be replicated. And if the information on the drive is not encrypted, anyone who has the USB drive can access all of the data on it.
How can you protect your data?
There are steps you can take to protect the data on your USB drive and on any computer that you might plug the drive into:

* Take advantage of security features - Use passwords and encryption on your USB drive to protect your data, and make sure that you have the information backed up in case your drive is lost (see Protecting Portable Devices: Data Security for more information).

* Keep personal and business USB drives separate - Do not use personal USB drives on computers owned by your organization, and do not plug USB drives containing corporate information into your personal computer.

* Use and maintain security software, and keep all software up to date - Use a firewall, anti-virus software, and anti-spyware software to make your computer less vulnerable to attacks, and make sure to keep the virus definitions current (see Understanding Firewalls, Understanding Anti-Virus Software, and Recognizing and Avoiding Spyware for more information). Also, keep the software on your computer up to date by applying any necessary patches (see Understanding Patches for more information).

* Do not plug an unknown USB drive into your computer - If you find a USB drive, give it to the appropriate authorities (a location's security personnel, your organization's IT department, etc.). Do not plug it into your computer to view the contents or to try to identify the owner.

* Disable Autorun - The Autorun feature causes removable media such as CDs, DVDs, and USB drives to open automatically when they are inserted into a drive. By disabling Autorun, you can prevent malicious code on an infected USB drive from opening automatically. In How to disable the Autorun functionality in Windows, Microsoft has provided a wizard to disable Autorun. In the "More Information" section, look for the Microsoft Fix it icon under the heading "How to disable or enable all Autorun features in Windows 7 and other operating systems."
Supplementing Passwords
Why aren't passwords sufficient?
Passwords are beneficial as a first layer of protection, but they are susceptible to being guessed or intercepted by attackers. You can increase the effectiveness of your passwords by using tactics such as avoiding passwords that are based on personal information or words found in the dictionary; using a combination of numbers, special characters, and lowercase and capital letters; and not sharing your passwords with anyone else (see Choosing and Protecting Passwords for more information). However, despite your best attempts, an attacker may be able to obtain your password. If there are no additional security measures in place, the attacker may be able to access your personal, financial, or medical information.
What additional levels of security are being used?
Many organizations are beginning to use other forms of verification in addition to passwords. The following practices are becoming more and more common:

* two-factor authentication - With two-factor authentication, you use your password in conjunction with an additional piece of information. An attacker who has managed to obtain your password can't do anything without the second component. The theory is similar to requiring two forms of identification or two keys to open a safe deposit box. However, in this case, the second component is commonly a "one use" password that is voided as soon as you use it. Even if an attacker is able to intercept the exchange, he or she will still not be able to gain access because that specific combination will not be valid again.

* personal web certificates - Unlike the certificates used to identify web sites (see Understanding Web Site Certificates for more information), personal web certificates are used to identify individual users. A web site that uses personal web certificates relies on these certificates and the authentication process of the corresponding public/private keys to verify that you are who you claim to be (see Understanding Digital Signatures and Understanding Encryption for more information). Because information identifying you is embedded within the certificate, an additional password is unnecessary. However, you should have a password to protect your private key so that attackers can't gain access to your key and represent themselves as you. This process is similar to two-factor authentication, but it differs because the password protecting your private key is used to decrypt the information on your computer and is never sent over the network.
What if you lose your password or certificate?
You may find yourself in a situation where you've forgotten your password or you've reformatted your computer and lost your personal web certificate. Most organizations have specific procedures for giving you access to your information in these situations. In the case of certificates, you may need to request that the organization issue you a new one. In the case of passwords, you may just need a reminder. No matter what happened, the organization needs a way to verify your identity. To do this, many organizations rely on "secret questions."
When you open a new account (email, credit card, etc.), some organizations will prompt you to provide them with the answer to a question. They may ask you this question if you contact them about forgetting your password or you request information about your account over the phone. If your answer matches the answer they have on file, they will assume that they are actually communicating with you. While the theory behind the secret question has merit, the questions commonly used ask for personal information such as mother's maiden name, social security number, date of birth, or pet's name. Because so much personal information is now available online or through other public sources, attackers may be able to discover the answers to these questions without much effort.
Realize that the secret question is really just an additional passwordwhen setting it up, you don't have to supply the actual information as your answer. In fact, when you are asked in advance to provide an answer to this type of question that will be used to confirm your identity, dishonesty may be the best policy. Choose your answer as you would choose any other good password, store it in a secure location, and don't share it with other people (see Choosing and Protecting Passwords for more information).
While the additional security practices do offer you more protection than a password alone, there is no guarantee that they are completely effective. Attackers may still be able to access your information, but increasing the level of security does make it more difficult. Be aware of these practices when choosing a bank, credit card company, or other organization that will have access to your personal information. Don't be afraid to ask what kind of security practices the organization uses.
Understanding Encryption
What is encryption?
In very basic terms, encryption is a way to send a message in code. The only person who can decode the message is the person with the correct key; to anyone else, the message looks like a random series of letters, numbers, and characters.
Encryption is especially important if you are trying to send sensitive information that other people should not be able to access. Because email messages are sent over the internet and might be intercepted by an attacker, it is important to add an additional layer of security to sensitive information.
How is it different from digital signatures?
Like digital signatures, public-key encryption utilizes software such as PGP, converts information with mathematical algorithms, and relies on public and private keys, but there are differences:

* The purpose of encryption is confidentialityconcealing the content of the message by translating it into a code. The purpose of digital signatures is integrity and authenticityverifying the sender of a message and indicating that the content has not been changed. Although encryption and digital signatures can be used independently, you can also sign an encrypted message.

* When you sign a message, you use your private key, and anybody who has your public key can verify that the signature is valid (see Understanding Digital Signatures for more information). When you encrypt a message, you use the public key for the person you're sending it to, and his or her private key is used to decrypt the message. Because people should keep their private keys confidential and should protect them with passwords, the intended recipient should be the only one who is able to view the information.
How does encryption work?

1. Obtain the public key for the person you want to be able to read the information. If you get the key from a public key ring, contact the person directly to confirm that the series of letters and numbers associated with the key is the correct fingerprint.

2. Encrypt the email message using their public key. Most email clients have a feature to easily perform this task.

3. When the person receives the message, he or she will be able to decrypt it.
Effectively Erasing Files
Where do deleted files go?
When you delete a file, depending on your operating system and your settings, it may be transferred to your trash or recycle bin. This "holding area" essentially protects you from yourselfif you accidentally delete a file, you can easily restore it. However, you may have experienced the panic that results from emptying the trash bin prematurely or having a file seem to disappear on its own. The good news is that even though it may be difficult to locate, the file is probably still somewhere on your machine. The bad news is that even though you think you've deleted a file, an attacker or other unauthorized person may be able to retrieve it.
What are the risks?
Think of the information you have saved on your computer. Is there banking or credit card account information? Tax returns? Passwords? Medical or other personal data? Personal photos? Sensitive corporate information? How much would someone be able to find out about you or your company by looking through your computer files?
Depending on what kind of information an attacker can find, he or she may be able to use it maliciously. You may become a victim of identity theft. Another possibility is that the information could be used in a social engineering attack. Attackers may use information they find about you or an organization you're affiliated with to appear to be legitimate and gain access to sensitive data (see Avoiding Social Engineering and Phishing Attacks for more information).
Can you erase files by reformatting?
Reformatting your hard drive, CD, or DVD may superficially delete the files, but the information is still buried somewhere. Unless those areas of the disk are effectively overwritten with new content, it is still possible that knowledgeable attackers may be able to access the information.
How can you be sure that your information is completely erased?
Some people use extreme measures to make sure their information is destroyed, but these measures can be dangerous and may not be completely successful. Your best option is to investigate software programs and hardware devices that claim to erase your hard drive, CD, or DVD. Even so, these programs and devices have varying levels of effectiveness. When choosing a software program to perform this task, look for the following characteristics:

* "Secure Erase" is performed - Secure Erase is a standard in modern hard drives. If you select a program that runs the Secure Erase command, it will erase data by overwriting all areas of the hard drive, even areas that are not being used.

* data is written multiple times - It is important to make sure that not only is the information erased, but new data is written over it. By adding multiple layers of data, the program makes it difficult for an attacker to "peel away" the new layer. Three to seven passes is fairly standard and should be sufficient.

* random data is used - Using random data instead of easily identifiable patterns makes it harder for attackers to determine the pattern and discover the original information underneath.

* zeros are used in the final layer - Regardless of how many times the program overwrites the data, look for programs that use all zeros in the last layer. This adds an additional level of security.
While many of these programs assume that you want to erase an entire disk, there are programs that give you the option to erase and overwrite individual files.
An effective way to ruin a CD or DVD is to wrap it in a paper towel and shatter it. However, there are also hardware devices that erase CDs or DVDs by destroying their surface. Some of these devices actually shred the media itself, while others puncture the writable surface with a pattern of holes. Many paper shredders will also shred CDs and DVDs. If you decide to use one of these devices, compare the various features and prices to determine which option best suits your needs.
How Anonymous Are You?
What information is collected?
When you visit a website, a certain amount of information is automatically sent to the site. This information may include the following:

* IP address - Each computer on the internet is assigned a specific, unique IP (internet protocol) address. Your computer may have a static IP address or a dynamic IP address. If you have a static IP address, it never changes. However, some ISPs own a block of addresses and assign an open one each time you connect to the internetthis is a dynamic IP address. You can determine your computer's IP address at any given time by visiting www.showmyip.com.

* domain name - The internet is divided into domains, and every user's account is associated with one of those domains. You can identify the domain by looking at the end of URL; for example, .edu indicates an educational institution, .gov indicates a US government agency, .org refers to organization, and .com is for commercial use. Many countries also have specific domain names. The list of active domain names is available from the Internet Assigned Numbers Authority (IANA).

* software details - It may be possible for an organization to determine which browser, including the version, that you used to access its site. The organization may also be able to determine what operating system your computer is running.

* page visits - Information about which pages you visited, how long you stayed on a given page, and whether you came to the site from a search engine is often available to the organization operating the website.
If a website uses cookies, the organization may be able to collect even more information, such as your browsing patterns, which include other sites you've visited. If the site you're visiting is malicious, files on your computer, as well as passwords stored in the temporary memory, may be at risk.
How is this information used?
Generally, organizations use the information that is gathered automatically for legitimate purposes, such as generating statistics about their sites. By analyzing the statistics, the organizations can better understand the popularity of the site and which areas of content are being accessed the most. They may be able to use this information to modify the site to better support the behavior of the people visiting it.
Another way to apply information gathered about users is marketing. If the site uses cookies to determine other sites or pages you have visited, it may use this information to advertise certain products. The products may be on the same site or may be offered by partner sites.
However, some sites may collect your information for malicious purposes. If attackers are able to access files, passwords, or personal information on your computer, they may be able to use this data to their advantage. The attackers may be able to steal your identity, using and abusing your personal information for financial gain. A common practice is for attackers to use this type of information once or twice, then sell or trade it to other people. The attackers profit from the sale or trade, and increasing the number of transactions makes it more difficult to trace any activity back to them. The attackers may also alter the security settings on your computer so that they can access and use your computer for other malicious activity.
Are you exposing any other personal information?
While using cookies may be one method for gathering information, the easiest way for attackers to get access to personal information is to ask for it. By representing a malicious site as a legitimate one, attackers may be able to convince you to give them your address, credit card information, social security number, or other personal data (see Avoiding Social Engineering and Phishing Attacks for more information).
How can you limit the amount of information collected about you?

* Be careful supplying personal information - Unless you trust a site, don't give your address, password, or credit card information. Look for indications that the site uses SSL to encrypt your information (see Protecting Your Privacy for more information). Although some sites require you to supply your social security number (e.g., sites associated with financial transactions such as loans or credit cards), be especially wary of providing this information online.

* Limit cookies - If an attacker can access your computer, he or she may be able to find personal data stored in cookies. You may not realize the extent of the information stored on your computer until it is too late. However, you can limit the use of cookies (see Browsing Safely: Understanding Active Content and Cookies for more information).

* Browse safely - Be careful which websites you visit; if it seems suspicious, leave the site. Also make sure to take precautions by increasing your security settings (see Evaluating Your Web Browser's Security Settings for more information), keeping your virus definitions up to date (see Understanding Anti-Virus Software for more information), and scanning your computer for spyware (see Recognizing and Avoiding Spyware for more information).
Protecting Your Privacy
How do you know if your privacy is being protected?

* Privacy policy - Before submitting your name, email address, or other personal information on a website, look for the site's privacy policy. This policy should state how the information will be used and whether or not the information will be distributed to other organizations. Companies sometimes share information with partner vendors who offer related products or may offer options to subscribe to particular mailing lists. Look for indications that you are being added to mailing lists by defaultfailing to deselect those options may lead to unwanted spam. If you cannot find a privacy policy on a website, consider contacting the company to inquire about the policy before you submit personal information, or find an alternate site. Privacy policies sometimes change, so you may want to review them periodically.

* Evidence that your information is being encrypted - To protect attackers from hijacking your information, any personal information submitted online should be encrypted so that it can only be read by the appropriate recipient. Many sites use SSL, or secure sockets layer, to encrypt information. Indications that your information will be encrypted include a URL that begins with "https:" instead of "http:" and a lock icon in the bottom right corner of the window (see Understanding Web Site Certificates for more information). Some sites also indicate whether the data is encrypted when it is stored. If data is encrypted in transit but stored insecurely, an attacker who is able to break into the vendor's system could access your personal information.
What additional steps can you take to protect your privacy?

* Do business with credible companies - Before supplying any information online, consider the answers to the following questions: do you trust the business? is it an established organization with a credible reputation? does the information on the site suggest that there is a concern for the privacy of user information? is there legitimate contact information provided?

* Do not use your primary email address in online submissions - Submitting your email address could result in spam. If you do not want your primary email account flooded with unwanted messages, consider opening an additional email account for use online (see Reducing Spam for more information). Make sure to log in to the account on a regular basis in case the vendor sends information about changes to policies.

* Avoid submitting credit card information online - Some companies offer a phone number you can use to provide your credit card information. Although this does not guarantee that the information will not be compromised, it eliminates the possibility that attackers will be able to hijack it during the submission process.

* Devote one credit card to online purchases - To minimize the potential damage of an attacker gaining access to your credit card information, consider opening a credit card account for use only online. Keep a minimum credit line on the account to limit the amount of charges an attacker can accumulate.

* Avoid using debit cards for online purchases - Credit cards usually offer some protection against identity theft and may limit the monetary amount you will be responsible for paying. Debit cards, however, do not offer that protection. Because the charges are immediately deducted from your account, an attacker who obtains your account information may empty your bank account before you even realize it.

* Take advantage of options to limit exposure of private information - Default options on certain websites may be chosen for convenience, not for security. For example, avoid allowing a website to remember your password. If your password is stored, your profile and any account information you have provided on that site is readily available if an attacker gains access to your computer. Also, evaluate your settings on websites used for social networking. The nature of those sites is to share information, but you can restrict access to certain information so that you limit who can see what (see Staying Safe on Social Network Sites for more information).
Understanding Your Computer: Web Browsers
How do web browsers work?
A web browser is an application that finds and displays web pages. It coordinates communication between your computer and the web server where a particular website "lives."
When you open your browser and type in a web address (URL) for a website, the browser submits a request to the server, or servers, that provide the content for that page. The browser then processes the code from the server (written in a language such as HTML, JavaScript, or XML) and loads any other elements (such as Flash, Java, or ActiveX) that are necessary to generate content for the page. After the browser has gathered and processed all of the components, it displays the complete, formatted web page. Every time you perform an action on the page, such as clicking buttons and following links, the browser continues the process of requesting, processing, and presenting content.
How many browsers are there?
There are many different browsers. Most users are familiar with graphical browsers, which display both text and graphics and may also display multimedia elements such as sound or video clips. However, there are also text-based browsers. The following are some well-known browsers:

* Internet Explorer

* Firefox

* AOL

* Opera

* Safari - a browser specifically designed for Macintosh computers

* Lynx - a text-based browser desirable for vision-impaired users because of the availability of special devices that read the text
How do you choose a browser?
A browser is usually included with the installation of your operating system, but you are not restricted to that choice. Some of the factors to consider when deciding which browser best suits your needs include

* compatibility - Does the browser work with your operating system?

* security - Do you feel that your browser offers you the level of security you want?

* ease of use - Are the menus and options easy to understand and use?

* functionality - Does the browser interpret web content correctly? If you need to install other plug-ins or devices to translate certain types of content, do they work?

* appeal - Do you find the interface and way the browser interprets web content visually appealing?
Can you have more than one browser installed at the same time?
If you decide to change your browser or add another one, you don't have to uninstall the browser that's currently on your computeryou can have more than one browser on your computer at once. However, you will be prompted to choose one as your default browser. Anytime you follow a link in an email message or document, or you double-click a shortcut to a web page on your desktop, the page will open using your default browser. You can manually open the page in another browser.
Most vendors give you the option to download their browsers directly from their websites. Make sure to verify the authenticity of the site before downloading any files. To further minimize risk, follow other good security practices, like using a firewall and keeping anti-virus software up to date (see Understanding Firewalls, Understanding Anti-Virus Software, and other US-CERT Tips for more information).
Understanding Internationalized Domain Names
What are internationalized domain names?
To decrease the amount of confusion surrounding different languages, there is a standard for domain names within web browsers. Domain names are included in the URL (or web address) of web site. This standard is based on the Roman alphabet (which is used by the English language), and computers convert the various letters into numerical equivalents. This code is known as ASCII (American Standard Code for Information Interchange). However, other languages include characters that do not translate into this code, which is why internationalized domain names were introduced.
To compensate for languages that incorporate special characters (such as Spanish, French or German) or rely completely on character representation (such as Asian or Arabic languages), a new system had to be developed. In this new system, the base URL (which is usually the address for the home page) is dissected and converted into a format that is compatible with ASCII. The resulting URL (which contains the string "xn--" as well as a combination of letters and numbers) will appear in your browser's status bar. In newer versions of many browsers, it will also appear in the address bar.
What are some security concerns?
Attackers may be able to take advantage of internationalized domain names to initiate phishing attacks (see Avoiding Social Engineering and Phishing Attacks for more information). Because there are certain characters that may appear to be the same but have different ASCII codes (for example, the Cyrillic "a" and the Latin "a"), an attacker may be able to "spoof" a web page URL. Instead of going to a legitimate site, you may be directed to a malicious site, which could look identical to the real one. If you submit personal or financial information while on the malicious site, the attacker could collect that information and then use and/or sell it.
How can you protect yourself?

* Type a URL instead of following a link - Typing a URL into a browser rather than clicking a link within a web page or email message will minimize your risk. By doing this, you are more likely to visit the legitimate site rather than a malicious site that substitutes similar-looking characters.

* Keep your browser up to date - Older versions of browsers made it easier for attackers to spoof URLs, but most newer browsers incorporate certain protections. Instead of displaying the URL that you "think" you are visiting, most browsers now display the converted URL with the "xn--" string.

* Check your browser's status bar - If you move your mouse over a link on a web page, the status bar of your browser will usually display the URL that the link references. If you see a URL that has an unexpected domain name (such as one with the "xn--" string mentioned above), you have likely encountered an internationalized domain name. If you were not expecting an internationalized domain name or know that the legitimate site should not need one, you may want to reconsider visiting the site. Browsers such as Mozilla and Firefox include an option in their security settings about whether to allow the status bar text to be modified. To prevent attackers from taking advantage of JavaScript to make it appear that you are on a legitimate site, you may want to make sure this option is not enabled.
Avoiding Copyright Infringement
How does copyright infringement apply to the internet?
Copyright infringement occurs when you use or distribute information without permission from the person or organization that owns the legal rights to the information. Including an image or cartoon on your website or in a document, illegally downloading music, and pirating software are all common copyright violations. While these activities may seem harmless, they could have serious legal and security implications.
How do you know if you have permission to use something?
If you find something on a website that you would like to use (e.g., a document, a chart, an application), search for information about permissions to use, download, redistribute, or reproduce. Most websites have a "terms of use" page that explains how you are allowed to use information from the site (see US-CERT's terms of use for an example). You can often find a link to this page in the site's contact information or privacy policy, or at the bottom of the page that contains the information you are interested in using.
There may be restrictions based on the purpose, method, and audience. You may also have to adhere to specific conditions about how much information you are allowed to use or how the information is presented and attributed. If you can't locate the terms of use, or if it seems unclear, contact the individual or organization that holds the copyright to ask permission.
What consequences could you face?

* Prosecution - When you illegally download, reproduce, or distribute information, you risk legal action. Penalties may range from warnings and mandatory removal of all references to costly fines. Depending on the severity of the crime, jail time may also be a possibility. To offset their own court costs and the money they feel they lose because of pirated software, vendors may increase the prices of their products.

* Infection - Attackers could take advantage of sites or networks that offer unauthorized downloads (music, movies, software, etc.) by including code into the files that would infect your computer once it was installed (see Understanding Hidden Threats: Corrupted Software Files and Understanding Hidden Threats: Rootkits and Botnets for more information). Because you wouldn't know the source or identity of the infection (or maybe that it was even there), you might not be able to easily identify or remove it. Pirated software with hidden Trojan horses is often advertised as discounted software in spam email messages (see Why is Cyber Security a Problem? and Reducing Spam for more information).
Understanding Web Site Certificates
What are web site certificates?
If an organization wants to have a secure web site that uses encryption, it needs to obtain a site, or host, certificate. There are two elements that indicate that a site uses encryption (see Protecting Your Privacy for more information):

* a closed padlock, which, depending on your browser, may be located in the status bar at the bottom of your browser window or at the top of the browser window between the address and search fields

* a URL that begins with "https:" rather than "http:"
By making sure a web site encrypts your information and has a valid certificate, you can help protect yourself against attackers who create malicious sites to gather your information. You want to make sure you know where your information is going before you submit anything (see Avoiding Social Engineering and Phishing Attacks for more information).
If a web site has a valid certificate, it means that a certificate authority has taken steps to verify that the web address actually belongs to that organization. When you type a URL or follow a link to a secure web site, your browser will check the certificate for the following characteristics:

1. the web site address matches the address on the certificate

2. the certificate is signed by a certificate authority that the browser recognizes as a "trusted" authority
If the browser senses a problem, it may present you with a dialog box that claims that there is an error with the site certificate. This may happen if the name the certificate is registered to does not match the site name, if you have chosen not to trust the company who issued the certificate, or if the certificate has expired. You will usually be presented with the option to examine the certificate, after which you can accept the certificate forever, accept it only for that particular visit, or choose not to accept it. The confusion is sometimes easy to resolve (perhaps the certificate was issued to a particular department within the organization rather than the name on file). If you are unsure whether the certificate is valid or question the security of the site, do not submit personal information. Even if the information is encrypted, make sure to read the organization's privacy policy first so that you know what is being done with that information (see Protecting Your Privacy for more information).
Can you trust a certificate?
The level of trust you put in a certificate is connected to how much you trust the organization and the certificate authority. If the web address matches the address on the certificate, the certificate is signed by a trusted certificate authority, and the date is valid, you can be more confident that the site you want to visit is actually the site that you are visiting. However, unless you personally verify that certificate's unique fingerprint by calling the organization directly, there is no way to be absolutely sure.
When you trust a certificate, you are essentially trusting the certificate authority to verify the organization's identity for you. However, it is important to realize that certificate authorities vary in how strict they are about validating all of the information in the requests and about making sure that their data is secure. By default, your browser contains a list of more than 100 trusted certificate authorities. That means that, by extension, you are trusting all of those certificate authorities to properly verify and validate the information. Before submitting any personal information, you may want to look at the certificate.
How do you check a certificate?
There are two ways to verify a web site's certificate in Internet Explorer or Firefox. One option is to click on the padlock icon. However, your browser settings may not be configured to display the status bar that contains the icon. Also, attackers may be able to create malicious web sites that fake a padlock icon and display a false dialog window if you click that icon. A more secure way to find information about the certificate is to look for the certificate feature in the menu options. This information may be under the file properties or the security option within the page information. You will get a dialog box with information about the certificate, including the following:

* who issued the certificate - You should make sure that the issuer is a legitimate, trusted certificate authority (you may see names like VeriSign, thawte, or Entrust). Some organizations also have their own certificate authorities that they use to issue certificates to internal sites such as intranets.

* who the certificate is issued to - The certificate should be issued to the organization who owns the web site. Do not trust the certificate if the name on the certificate does not match the name of the organization or person you expect.

* expiration date - Most certificates are issued for one or two years. One exception is the certificate for the certificate authority itself, which, because of the amount of involvement necessary to distribute the information to all of the organizations who hold its certificates, may be ten years. Be wary of organizations with certificates that are valid for longer than two years or with certificates that have expired.
Understanding Your Computer: Web Browsers
How do web browsers work?
A web browser is an application that finds and displays web pages. It coordinates communication between your computer and the web server where a particular website "lives."
When you open your browser and type in a web address (URL) for a website, the browser submits a request to the server, or servers, that provide the content for that page. The browser then processes the code from the server (written in a language such as HTML, JavaScript, or XML) and loads any other elements (such as Flash, Java, or ActiveX) that are necessary to generate content for the page. After the browser has gathered and processed all of the components, it displays the complete, formatted web page. Every time you perform an action on the page, such as clicking buttons and following links, the browser continues the process of requesting, processing, and presenting content.
How many browsers are there?
There are many different browsers. Most users are familiar with graphical browsers, which display both text and graphics and may also display multimedia elements such as sound or video clips. However, there are also text-based browsers. The following are some well-known browsers:

* Internet Explorer

* Firefox

* AOL

* Opera

* Safari - a browser specifically designed for Macintosh computers

* Lynx - a text-based browser desirable for vision-impaired users because of the availability of special devices that read the text
How do you choose a browser?
A browser is usually included with the installation of your operating system, but you are not restricted to that choice. Some of the factors to consider when deciding which browser best suits your needs include

* compatibility - Does the browser work with your operating system?

* security - Do you feel that your browser offers you the level of security you want?

* ease of use - Are the menus and options easy to understand and use?

* functionality - Does the browser interpret web content correctly? If you need to install other plug-ins or devices to translate certain types of content, do they work?

* appeal - Do you find the interface and way the browser interprets web content visually appealing?
Can you have more than one browser installed at the same time?
If you decide to change your browser or add another one, you don't have to uninstall the browser that's currently on your computeryou can have more than one browser on your computer at once. However, you will be prompted to choose one as your default browser. Anytime you follow a link in an email message or document, or you double-click a shortcut to a web page on your desktop, the page will open using your default browser. You can manually open the page in another browser.
Most vendors give you the option to download their browsers directly from their websites. Make sure to verify the authenticity of the site before downloading any files. To further minimize risk, follow other good security practices, like using a firewall and keeping anti-virus software up to date (see Understanding Firewalls, Understanding Anti-Virus Software, and other US-CERT Tips for more information).
Browsing Safely: Understanding Active Content and Cookies
What is active content?
To increase functionality or add design embellishments, web sites often rely on scripts that execute programs within the web browser. This active content can be used to create "splash pages" or options like drop-down menus. Unfortunately, these scripts are often a way for attackers to download or execute malicious code on a user's computer.

* JavaScript - JavaScript is just one of many web scripts (other examples are VBScript, ECMAScript, and JScript) and is probably the most recognized. Used on almost every web site now, JavaScript and other scripts are popular because users expect the functionality and "look" that it provides, and it's easy to incorporate (many common software programs for building web sites have the capability to add JavaScript features with little effort or knowledge required of the user). However, because of these reasons, attackers can manipulate it to their own purposes. A popular type of attack that relies on JavaScript involves redirecting users from a legitimate web site to a malicious one that may download viruses or collect personal information.

* Java and ActiveX controls - Different from JavaScript, Java and ActiveX controls are actual programs that reside on your computer or can be downloaded over the network into your browser. If executed by attackers, untrustworthy ActiveX controls may be able to do anything on your computer that you can do (such as running spyware and collecting personal information, connecting to other computers, and potentially doing other damage). Java applets usually run in a more restricted environment, but if that environment isn't secure, then malicious Java applets may create opportunities for attack as well.
JavaScript and other forms of active content are not always dangerous, but they are common tools for attackers. You can prevent active content from running in most browsers, but realize that the added security may limit functionality and break features of some sites you visit. Before clicking on a link to a web site that you are not familiar with or do not trust, take the precaution of disabling active content.
These same risks may also apply to the email program you use. Many email clients use the same programs as web browsers to display HTML, so vulnerabilities that affect active content like JavaScript and ActiveX often apply to email. Viewing messages as plain text may resolve this problem.
What are cookies?
When you browse the Internet, information about your computer may be collected and stored. This information might be general information about your computer (such as IP address, the domain you used to connect (e.g., .edu, .com, .net), and the type of browser you used). It might also be more specific information about your browsing habits (such as the last time you visited a particular web site or your personal preferences for viewing that site).
Cookies can be saved for varying lengths of time:

* Session cookies - Session cookies store information only as long as you're using the browser; once you close the browser, the information is erased. The primary purpose of session cookies is to help with navigation, such as by indicating whether or not you've already visited a particular page and retaining information about your preferences once you've visited a page.

* Persistent cookies - Persistent cookies are stored on your computer so that your personal preferences can be retained. In most browsers, you can adjust the length of time that persistent cookies are stored. It is because of these cookies that your email address appears by default when you open your Yahoo! or Hotmail email account, or your personalized home page appears when you visit your favorite online merchant. If an attacker gains access to your computer, he or she may be able to gather personal information about you through these files.
To increase your level of security, consider adjusting your privacy and security settings to block or limit cookies in your web browser (see Evaluating Your Web Browser's Security Settings for more information). To make sure that other sites are not collecting personal information about you without your knowledge, choose to only allow cookies for the web site you are visiting; block or limit cookies from a third-party. If you are using a public computer, you should make sure that cookies are disabled to prevent other people from accessing or using your personal information.
Evaluating Your Web Browser's Security Settings
Why are security settings for web browsers important?
Your web browser is your primary connection to the rest of the internet, and multiple applications may rely on your browser, or elements within your browser, to function. This makes the security settings within your browser even more important. Many web applications try to enhance your browsing experience by enabling different types of functionality, but this functionality might be unnecessary and may leave you susceptible to being attacked. The safest policy is to disable the majority of those features unless you decide they are necessary. If you determine that a site is trustworthy, you can choose to enable the functionality temporarily and then disable it once you are finished visiting the site.
Where can you find the settings?
Each web browser is different, so you may have to look around. For example, in Internet Explorer, you can find them by clicking Tools on your menu bar, selecting Internet Options..., choosing the Security tab, and clicking the Custom Level... button. However, in Firefox, you click Tools on the menu bar and select Options.... Click the Content, Privacy, and Security tabs to explore the basic security options. Browsers have different security options and configurations, so familiarize yourself with the menu options, check the help feature, or refer to the vendor's web site.
While every application has settings that are selected by default, you may discover that your browser also has predefined security levels that you can select. For example, Internet Explorer offers custom settings that allow you to select a particular level of security; features are enabled or disabled based on your selection. Even with these guides, it is helpful to have an understanding of what the different terms mean so that you can evaluate the features to determine which settings are appropriate for you.
How do you know what your settings should be?
Ideally, you would set your security for the highest level possible. However, restricting certain features may limit some web pages from loading or functioning properly. The best approach is to adopt the highest level of security and only enable features when you require their functionality.
What do the different terms mean?
Different browsers use different terms, but here are some terms and options you may find:

* Zones - Your browser may give you the option of putting web sites into different segments, or zones, and allow you to define different security restrictions for each zone.
For example, Internet Explorer identifies the following zones:

* Internet - This is the general zone for all public web sites. When you browse the internet, the settings for this zone are automatically applied to the sites you visit. To give you the best protection as you browse, you should set the security to the highest level; at the very least, you should maintain a medium level.

* Local intranet - If you are in an office setting that has its own intranet, this zone contains those internal pages. Because the web content is maintained on an internal web server, it is usually safe to have less restrictive settings for these pages. However, some viruses have tapped into this zone, so be aware of what sites are listed and what privileges they are being given.

* Trusted sites - If you believe that certain sites are designed with security in mind, and you feel that content from the site can be trusted not to contain malicious materials, you can add them to your trusted sites and apply settings accordingly. You may also require that only sites that implement Secure Sockets Layer (SSL) can be active in this zone. This permits you to verify that the site you are visiting is the site that it claims to be (see Protecting Your Privacy and Understanding Web Site Certificates for more information). This is an optional zone but may be useful if you personally maintain multiple web sites or if your organization has multiple sites. Even if you trust them, avoid applying low security levels to external sitesif they are attacked, you might also become a victim.

* Restricted sites - If there are particular sites you think might not be safe, you can identify them and define heightened security settings. Because the security settings may not be enough to protect you, the best precaution is to avoid navigating to any sites that make you question whether or not they're safe.

* JavaScript - Some web sites rely on web scripts such as JavaScript to achieve a certain appearance or functionality, but these scripts may be used in attacks (see Browsing Safely: Understanding Active Content and Cookies for more information).

* Java and ActiveX controls - These programs are used to develop or execute active content that provides some functionality, but they may put you at risk (see Browsing Safely: Understanding Active Content and Cookies for more information).

* Plug-ins - Sometimes browsers require the installation of additional software known as plug-ins to provide additional functionality. Like Java and ActiveX controls, plug-ins may be used in an attack, so before installing them, make sure that they are necessary and that the site you have to download them from is trustworthy.
You may also find options that allow you to take the following security measures:

* Manage cookies - You can disable, restrict, or allow cookies as appropriate. Generally, it is best to disable cookies and then enable them if you visit a site you trust that requires them (see Browsing Safely: Understanding Active Content and Cookies for more information).

* Block pop-up windows - Although turning this feature on could restrict the functionality of certain web sites, it will also minimize the number of pop-up ads you receive, some of which may be malicious (see Recognizing and Avoiding Spyware for more information).

Shopping Safely Online
Why do online shoppers have to take special precautions?
The internet offers a convenience that is not available from any other shopping outlet. From the comfort of your home, you can search for items from countless vendors, compare prices with a few simple mouse clicks, and make purchases without waiting in line. However, the internet is also convenient for attackers, giving them multiple ways to access the personal and financial information of unsuspecting shoppers. Attackers who are able to obtain this information may use it for their own financial gain, either by making purchases themselves or by selling the information to someone else.
How do attackers target online shoppers?
There are three common ways that attackers can take advantage of online shoppers:

* Targeting vulnerable computers - If you do not take steps to protect your computer from viruses or other malicious code, an attacker may be able to gain access to your computer and all of the information on it. It is also important for vendors to protect their computers to prevent attackers from accessing customer databases.

* Creating fraudulent sites and email messages - Unlike traditional shopping, where you know that a store is actually the store it claims to be, attackers can create malicious websites that appear to be legitimate or email messages that appear to have been sent from a legitimate source. Charities may also be misrepresented in this way, especially after natural disasters or during holiday seasons. Attackers create these malicious sites and email messages to try to convince you to supply personal and financial information.

* Intercepting insecure transactions - If a vendor does not use encryption, an attacker may be able to intercept your information as it is being transmitted.
How can you protect yourself?

* Use and maintain anti-virus software, a firewall, and anti-spyware software - Protect yourself against viruses and Trojan horses that may steal or modify the data on your own computer and leave you vulnerable by using anti-virus software and a firewall (see Understanding Anti-Virus Software and Understanding Firewalls for more information). Make sure to keep your virus definitions up to date. Spyware or adware hidden in software programs may also give attackers access to your data, so use a legitimate anti-spyware program to scan your computer and remove any of these files (see Recognizing and Avoiding Spyware for more information).

* Keep software, particularly your web browser, up to date - Install software updates so that attackers cannot take advantage of known problems or vulnerabilities (see Understanding Patches for more information). Many operating systems offer automatic updates. If this option is available, you should enable it.

* Evaluate your software's settings - The default settings of most software enable all available functionality. However, attackers may be able to take advantage of this functionality to access your computer (see Evaluating Your Web Browser's Security Settings and the paper Securing Your Web Browser for more information). It is especially important to check the settings for software that connects to the internet (browsers, email clients, etc.). Apply the highest level of security available that still gives you the functionality you need.

* Do business with reputable vendors - Before providing any personal or financial information, make sure that you are interacting with a reputable, established vendor. Some attackers may try to trick you by creating malicious websites that appear to be legitimate, so you should verify the legitimacy before supplying any information (see Avoiding Social Engineering and Phishing Attacks and Understanding Web Site Certificates for more information). Attackers may obtain a site certificate for a malicious website to appear more authentic, so review the certificate information, particularly the "issued to" information. Locate and note phone numbers and physical addresses of vendors in case there is a problem with your transaction or your bill.

* Take advantage of security features - Passwords and other security features add layers of protection if used appropriately (see Choosing and Protecting Passwords and Supplementing Passwords for more information).

* Be wary of emails requesting information - Attackers may attempt to gather information by sending emails requesting that you confirm purchase or account information (see Avoiding Social Engineering and Phishing Attacks for more information). Legitimate businesses will not solicit this type of information through email. Do not provide sensitive information through email, and use caution when clicking on links in email messages (see the paper Recognizing and Avoiding Email Scans for more information).

* Check privacy policies - Before providing personal or financial information, check the website's privacy policy. Make sure you understand how your information will be stored and used (see Protecting Your Privacy for more information).

* Make sure your information is being encrypted - Many sites use SSL, or secure sockets layer, to encrypt information. Indications that your information will be encrypted include a URL that begins with "https:" instead of "http:" and a padlock icon. If the padlock is closed, the information is encrypted. The location of the icon varies by browser; for example, it may be to the right of the address bar or at the bottom of the window. Some attackers try to trick users by adding a fake padlock icon, so make sure that the icon is in the appropriate location for your browser.

* Use a credit card - There are laws to limit your liability for fraudulent credit card charges, and you may not have the same level of protection for your debit card. Additionally, because a debit card draws money directly from your bank account, unauthorized charges could leave you with insufficient funds to pay other bills. You can further minimize damage by using a single credit card with a low credit line for all of your online purchases.

* Check your statements - Keep a record of your purchases and copies of confirmation pages, and compare them to your bank statements. If there is a discrepancy, report it immediately (see Preventing and Responding to Identity Theft for more information).
Understanding Bluetooth Technology
What is Bluetooth?
Bluetooth is a technology that allows devices to communicate with each other without cables or wires. It is an electronics "standard," which means that manufacturers that want to include this feature have to incorporate specific requirements into their electronic devices. These specifications ensure that the devices can recognize and interact with other devices that use the Bluetooth technology.
Many popular manufacturers are making devices that use Bluetooth technology. These devices include mobile phones, computers, and personal digital assistants (PDAs). The Bluetooth technology relies on short-range radio frequency, and any device that incorporates the technology can communicate as long as it is within the required distance. The technology is often used to allow two different types of devices to communicate with each other. For example, you may be able to operate your computer with a wireless keyboard, use a wireless headset to talk on your mobile phone, or add an appointment to your friend's PDA calendar from your own PDA.
What are some security concerns?
Depending upon how it is configured, Bluetooth technology can be fairly secure. You can take advantage of its use of key authentication (see Understanding Digital Signatures for more information) and encryption (see Understanding Encryption for more information). Unfortunately, many Bluetooth devices rely on short numeric PIN numbers instead of more secure passwords or passphrases (see Choosing and Protecting Passwords for more information).
If someone can "discover" your Bluetooth device, he or she may be able to send you unsolicited messages or abuse your Bluetooth service, which could cause you to be charged extra fees. Worse, an attacker may be able to find a way to access or corrupt your data. One example of this type of activity is "bluesnarfing," which refers to attackers using a Bluetooth connection to steal information off of your Bluetooth device. Also, viruses or other malicious code can take advantage of Bluetooth technology to infect other devices. If you are infected, your data may be corrupted, compromised, stolen, or lost. You should also be aware of attempts to convince you to send information to someone you do not trust over a Bluetooth connection (see Avoiding Social Engineering and Phishing Attacks for more information).
How can you protect yourself?

* Disable Bluetooth when you are not using it - Unless you are actively transferring information from one device to another, disable the technology to prevent unauthorized people from accessing it.

* Use Bluetooth in "hidden" mode - When you do have Bluetooth enabled, make sure it is "hidden," not "discoverable." The hidden mode prevents other Bluetooth devices from recognizing your device. This does not prevent you from using your Bluetooth devices together. You can "pair" devices so that they can find each other even if they are in hidden mode. Although the devices (for example, a mobile phone and a headset) will need to be in discoverable mode to initially locate each other, once they are "paired" they will always recognize each other without needing to rediscover the connection.

* Be careful where you use Bluetooth - Be aware of your environment when pairing devices or operating in discoverable mode. For example, if you are in a public wireless "hotspot," there is a greater risk that someone else may be able to intercept the connection (see Securing Wireless Networks for more information) than if you are in your home or your car.

* Evaluate your security settings - Most devices offer a variety of features that you can tailor to meet your needs and requirements. However, enabling certain features may leave you more vulnerable to being attacked, so disable any unnecessary features or Bluetooth connections. Examine your settings, particularly the security settings, and select options that meet your needs without putting you at increased risk. Make sure that all of your Bluetooth connections are configured to require a secure connection.

* Take advantage of security options - Learn what security options your Bluetooth device offers, and take advantage of features like authentication and encryption.
Reviewing End-User License Agreements
What is an end-user license agreement?
An end-user license agreement (EULA) is a contract between you and the software's vendor or developer. Some software packages state that by simply removing the shrink-wrap on the package, you agree to the contract. However, you may be more familiar with the type of EULA that is presented as a dialog box that appears the first time you open the software. It usually requires you to accept the conditions of the contract before you can proceed. Software updates and patches may also include new or updated EULAs that have different terms than the original. Some EULAs only apply to certain features of the software, so you may only encounter them when you attempt to use those features.
Unfortunately, many users don't read EULAs before accepting them. The terms of each contract differ, and you may be agreeing to conditions that you later consider unfair or that expose you to security risks you didn't expect.
What terms may be included?
EULAs are legal contracts, and the vendor or developer may include almost any conditions. These conditions are often designed to protect the developer or vendor against liability, but they may also include additional terms that give the vendor some control over your computer. The following topics are often covered in EULAs:

* Distribution - There are often limitations placed on the number of times you are allowed to install the software and restrictions about reproducing the software for distribution (see Avoiding Copyright Infringement for more information about copyright issues).

* Warranty - Developers or vendors often include disclaimers that they are not liable for any problem that results from the software being used incorrectly. They may also protect themselves from liability for software flaws, software failure, or incompatibility with other programs on your computer.
The following topics, while not standard, are examples of other conditions that have been included in EULAs. They present security implications that you should consider before accepting the agreement.

* Monitoring - Agreeing to the EULA may give the vendor permission to monitor your computer activity and communicate the information back to the vendor or to another third party. Depending on what information is being collected, this type of monitoring could have both security and privacy implications.

* Software installation - Some agreements allow the vendor to install additional software on your computer. This may include updated versions of the software program you installed (the determination of which version you are running may be a result of the monitoring described above). Vendors may also incorporate statements that allow them or other third parties to install additional software programs on your computer. This software may be unnecessary, may affect the functionality of other programs on your computer, and may introduce security risks.
Risks of File-Sharing Technology
What is file sharing?
File sharing involves using technology that allows internet users to share files that are housed on their individual computers. Peer-to-peer (P2P) applications, such as those used to share music files, are some of the most common forms of file-sharing technology. However, P2P applications introduce security risks that may put your information or your computer in jeopardy.
What risks does file-sharing technology introduce?

* Installation of malicious code - When you use P2P applications, it is difficult, if not impossible, to verify that the source of the files is trustworthy. These applications are often used by attackers to transmit malicious code. Attackers may incorporate spyware, viruses, Trojan horses, or worms into the files. When you download the files, your computer becomes infected (see Recognizing and Avoiding Spyware and Recovering from Viruses, Worms, and Trojan Horses for more information).

* Exposure of sensitive or personal information - By using P2P applications, you may be giving other users access to personal information. Whether it's because certain directories are accessible or because you provide personal information to what you believe to be a trusted person or organization, unauthorized people may be able to access your financial or medical data, personal documents, sensitive corporate information, or other personal information. Once information has been exposed to unauthorized people, it's difficult to know how many people have accessed it. The availability of this information may increase your risk of identity theft (see Protecting Your Privacy and Avoiding Social Engineering and Phishing Attacks for more information).

* Susceptibility to attack - Some P2P applications may ask you to open certain ports on your firewall to transmit the files. However, opening some of these ports may give attackers access to your computer or enable them to attack your computer by taking advantage of any vulnerabilities that may exist in the P2P application. There are some P2P applications that can modify and penetrate firewalls themselves, without your knowledge.

* Denial of service - Downloading files causes a significant amount of traffic over the network. This activity may reduce the availability of certain programs on your computer or may limit your access to the internet (see Understanding Denial-of-Service Attacks for more information).

* Prosecution - Files shared through P2P applications may include pirated software, copyrighted material, or pornography. If you download these, even unknowingly, you may be faced with fines or other legal action. If your computer is on a company network and exposes customer information, both you and your company may be liable.
How can you minimize these risks?
The best way to eliminate these risks is to avoid using P2P applications. However, if you choose to use this technology, you can follow some good security practices to minimize your risk:

* use and maintain anti-virus software - Anti-virus software recognizes and protects your computer against most known viruses. However, attackers are continually writing new viruses, so it is important to keep your anti-virus software current (see Understanding Anti-Virus Software for more information).

* install or enable a firewall - Firewalls may be able to prevent some types of infection by blocking malicious traffic before it can enter your computer (see Understanding Firewalls for more information). Some operating systems actually include a firewall, but you need to make sure it is enabled.
Understanding Patches
What are patches?
Similar to the way fabric patches are used to repair holes in clothing, software patches repair holes in software programs. Patches are updates that fix a particular problem or vulnerability within a program. Sometimes, instead of just releasing a patch, vendors will release an upgraded version of their software, although they may refer to the upgrade as a patch.
How do you find out what patches you need to install?
When patches are available, vendors usually put them on their websites for users to download. It is important to install a patch as soon as possible to protect your computer from attackers who would take advantage of the vulnerability. Attackers may target vulnerabilities for months or even years after patches are available. Some software will automatically check for updates, and many vendors offer users the option to receive automatic notification of updates through a mailing list. If these automatic options are available, we recommend that you take advantage of them. If they are not available, check your vendors' websites periodically for updates.
Make sure that you only download software or patches from websites that you trust. Do not trust a link in an email messageattackers have used email messages to direct users to malicious websites where users install viruses disguised as patches. Also, beware of email messages that claim that they have attached the patch to the messagethese attachments are often viruses (see Using Caution with Email Attachments for more information).
Understanding Voice over Internet Protocol (VoIP)
What is voice over Internet protocol (VoIP)?
Voice over Internet protocol (VoIP), also known as IP telephony, allows you to use your Internet connection to make telephone calls. Instead of relying on an analog line like traditional telephones, VoIP uses digital technology and requires a high-speed broadband connection such as DSL or cable. There are a variety of providers who offer VoIP, and they offer different services. The most common application of VoIP for personal or home use is Internet-based phone services that rely on a telephone switch. With this application, you will still have a phone number, will still dial phone numbers, and will usually have an adapter that allows you to use a regular telephone. The person you are calling will not likely notice a difference from a traditional phone call. Some service providers also offer the ability to use your VoIP adapter any place you have a high-speed Internet connection, allowing you to take it with you when you travel.
What are the security implications of VoIP?
Because VoIP relies on your Internet connection, it may be vulnerable to many of the same problems that face your computer and even some that are specific to VoIP technology. Attackers may be able to perform activities such as intercepting your communications, eavesdropping, taking control of your phone, making fraudulent calls from your account, conducting effective phishing attacks by manipulating your caller ID, and causing your service to crash (see Avoiding Social Engineering and Phishing Attacks and Understanding Denial-of-Service Attacks for more information). Activities that consume a large amount of network resources, like large file downloads, online gaming, and streaming multimedia, may affect your VoIP service.
There are also inherent problems to routing your telephone over your broadband connection. Unlike traditional telephone lines, which operate despite an electrical outage, if you lose power, your VoIP may be unavailable. VoIP services may also introduce problems for location-dependent systems such as home security systems or emergency numbers such as 911.
How can you protect yourself?

* Keep software up to date - If the vendor releases updates for the software operating your device, install them as soon as possible. Installing them will prevent attackers from being able to take advantage of known problems or vulnerabilities (see Understanding Patches for more information).

* Use and maintain anti-virus software - Anti-virus software recognizes and protects your computer against most known viruses. However, attackers are continually writing new viruses, so it is important to keep your anti-virus software current (see Understanding Anti-Virus Software for more information).

* Take advantage of security options - Some service providers may offer encryption as one of their services. If you are concerned about privacy and confidentiality, you may want to consider this and other available options.

* Install or enable a firewall - Firewalls may be able to prevent some types of infection by blocking malicious traffic before it can enter your computer (see Understanding Firewalls for more information). Some operating systems actually include a firewall, but you need to make sure it is enabled.

* Evaluate your security settings - Both your computer and your VoIP equipment/software offer a variety of features that you can tailor to meet your needs and requirements. However, enabling certain features may leave you more vulnerable to being attacked, so disable any unnecessary features. Examine your settings, particularly the security settings, and select options that meet your needs without putting you at increased risk.
Understanding Your Computer: Operating Systems
What is an operating system?
An operating system (OS) is the main program on a computer. It performs a variety of functions, including

* determining what types of software you can install

* coordinating the applications running on the computer at any given time

* making sure that individual pieces of hardware, such as printers, keyboards, and disk drives, all communicate properly

* allowing applications such as word processors, email clients, and web browsers to perform tasks on the system (e.g., drawing windows on the screen, opening files, communicating on a network) and use other system resources (e.g., printers, disk drives)

* reporting error messages
The OS also determines how you see information and perform tasks. Most operating systems use a graphical user interface (GUI), which presents information through pictures (icons, buttons, dialog boxes, etc.) as well as words. Some operating systems can rely more heavily on textual interfaces than others.
How do you choose an operating system?
In very simplistic terms, when you choose to buy a computer, you are usually also choosing an operating system. Although you may change it, vendors typically ship computers with a particular operating system. There are multiple operating systems, each with different features and benefits, but the following three are the most common:

* Windows - Windows, with versions including Windows XP, Windows Vista, and Windows 7, is the most common operating system for home users. It is produced by Microsoft and is typically included on machines purchased in electronics stores or from vendors such as Dell or Gateway. The Windows OS uses a GUI, which many users find more appealing and easier to use than text-based interfaces.

* Mac OS X - Produced by Apple, Mac OS X is the operating system used on Macintosh computers. Although it uses a different GUI, it is conceptually similar to the Windows interface in the way it operates.

* Linux and other UNIX-derived operating systems - Linux and other systems derived from the UNIX operating system are frequently used for specialized workstations and servers, such as web and email servers. Because they are often more difficult for general users or require specialized knowledge and skills to operate, they are less popular with home users than the other options. However, as they continue to develop and become easier to use, they may become more popular on typical home user systems.