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As we all know computer viruses are ubiquitous these days, and given the opportunity, hackers all over the world are waiting to break into your computer in an attempt to steal sensitive information. This post, which comes to us from Better Business Bureau in San Diego, is a great resource for anyone who wants to ensure their computer, and identity are safe when online.

Knowing how to use the Internet in the 21^st century can only be equivocated to having a super power. You can do things that people 30 years ago thought only The Jetsons would be able to accomplish: send letters without needing postage, turn your car on from your phone, operate traffic lights and fire, police and ambulance notification systems. The world is your oyster. However, like any super power, if all of this control is placed in the wrong hands, personal and public safety is called into question.

I try to use the Internet with caution, and I struggle to understand why anyone would hack into your computer or spread a virus. But, just last week, I was the victim of a Viagrus (an email virus touting Viagra). True, this email spammer does no actual damage to my computer, but there is sustained damage to my dignity.

Within moments of opening the Viagrus, it was sent to all of the friends and family in my contacts list. My dad, brother and husband didn’t miss a beat: Was I trying to send them a not so subtle signal? No, dad, I’m not angling for another sibling. No, it’s not a hint. The jokes flooded in, and, in a few days, I was rid of the Viagrus and a little wiser, too.

Even though, my situation could be resolved by a few uncomfortable jokes between father and daughter, brother and sister, it got me thinking: With so many hackers and viruses floating around the Internet, the need for understanding what viruses are and how they affect your virtual world is more important today than ever. Unfortunately, computer safety is rarely taken as seriously as it should. So listen up. Keeping your information safe is easy, just follow these steps.

Hacking

To understand what hacking is, think of it as virtual breaking and entering. A masked villain is infiltrating your computer to steal what is rightfully yours: your virtual property. Once hackers break in, they can alter important information, delete key files, and even crash an entire network of computers.

Most often, computer hackers break into large consumer websites. The goal: to steal bank account and credit card information. Consider these tips for your Internet security:

• Use a firewall. Even though hackers usually affect large company websites, that does not mean that home networks are completely safe. With a firewall in place, you can control your security, and filter what information from the internet is safe and what is not.
• Use caution when giving out personal information on the internet. We hear it all the time, but do we really listen? Use software to keep information safe, and only give out your information if you trust the company. Check the BBB Business Review before buying from a company of which you have no direct knowledge.
• Ignore your preconceived notions. Kids hack too. It’s hard to imagine a teenager that has the power and knowledge to bring a network of computers to their knees, but it’s been done. According to Martha Stansell-Gamm, Head of the Justice Department’s Computer Crime and Intellectual Property Section, an 18 year old “instructed 7,000 computers to attack Microsoft (more…)

When salesmen knock on your door, they could represent any number of different legitimate products and services such as magazines, cleaning supplies, home alarm systems and even frozen meat and poultry. They might also be itinerant workers who are offering a low-ball estimate to fix your roof or repave your driveway. Regardless of what they are selling, protect your home and your wallet by confirming their credentials.

BBB recommends being cautious of a door to door salesperson or itinerant worker if they:

Use high pressure sales tactics. A reputable salesman will give you time to think through the deal and make an appointment to return at a later date. Watch out if you’re asked to sign up immediately before you do your research. Do not give in to high-pressure sales tactics—even if the deal supposedly won’t last long or the salesperson is aggressive—it’s worth it to stop and think it over first.

Offer a deal that sounds too good to be true. Some salesmen might offer an extremely good price for their products or services. The adage holds true that you get what you pay for and many people have been quickly disappointed when the products didn’t live up to the hype or the company did a shoddy job.
Fail to follow federal law. Federal law requires that if you purchase more than $25 in goods, the salesperson must inform you of your rights to cancel within three business days. Called the “cooling off” rule, these rights are typically included with the company’s contact information on the receipt or contract.

Work for a company with a poor rating from your BBB. Before you break out your checkbook, always check the company out with your BBB first to see how many complaints they’ve received in addition to BBB’s overall rating.

Finally, pay with a check or credit card—rather than cash—in order to take advantage of the consumer protections provided.