Is Free Public Wi-Fi Safe?

If you work remotely or travel a lot for your job, you probably take advantage of free public Wi-Fi often. Unfortunately, that probably means you’re regularly opening up your devices and your data to serious security threats. And if you’re a heavy user of cloud services, which often store your data on a remote server rather than your computer, Wi-Fi security is even more crucial.

Most people these days have password-protected networks at home, so it’s unlikely that anybody is able to snoop on your data as it passes between your device and your router. But when you’re surfing the Web via a free public Wi-Fi at a cafe, library or airport, you should be suspicious of everyone, says technology consultant Leo Notenboom of Ask-Leo.com. “It’s trivially easy for any of them to be watching your unencrypted information flying by.”

Here’s what you need to know to stay safe next time you’re surfing on a free public Wi-Fi connection.

Free Public Wi-Fi Tip No. 1: Turn on your firewall.
The cafe might use firewall software to protect your computer from outside attacks, but that doesn’t protect you from other people surfing around the same Wi-Fi network inside the cafe. Be sure your computer’s firewall is turned on.

Free Public Wi-Fi Tip No. 2: Protect your smartphone or tablet.
If your smartphone or tablet connects to Wi-Fi networks, require it to ask your permission before joining any network. A lot of people never change the default network name, so if you logged on to your friend’s “linksys” network, your device will remember that and could automatically join any network of the same name in the future -- unless you tell it to ask your permission first.

Free Public Wi-Fi Tip No. 3: Use strong encryption.

Encryption works by disguising data that your computer wirelessly sends to a router. Without it, that person sitting near you at the cafe could use special software to intercept and see all the data that travels back and forth between your device and the router. And that means everything: emails, passwords and things you search for. That’s why it’s imperative, says Notenboom, to use encrypted sites when possible.

How do you know when a site offers encryption? Instead of “http” at the beginning of the address, you’ll see “https.” You’ll also see a little padlock icon in your browser window, usually on the bottom right.

What else should you consider encrypting?

  • Your email. If you use a locally installed email program such as Outlook or Entourage, you can protect your mail and passwords by using something called SSL (secure sockets layer) on each of your accounts. This encrypts all your data when you send and receive email. Not all email providers allow the use of SSL, though, so check your provider’s help page.
  • Your Facebook and Twitter pages. Facebook and Twitter recently began offering encrypted sessions; just go into your account settings and find the option that says “Always use https.”
  • Your Google search. If you think the keywords you’re searching could be embarrassing or you prefer to keep your privacy, try the secure version of Google search. Instead of going to Google.com, do all of your searching at Encrypted.Google.com.
  • Everything. Consider a VPN service. VPN stands for virtual private network and encrypts everything you send and receive. You can download free mobile VPN software from such a site as Hotspot Shield and everything -- instant messages, passwords, emails and websites -- will be virtually impenetrable to prying eyes whenever you’re using a free public Wi-Fi connection. Or if your employer offers its own VPN, always connect to it through your computer or mobile device.

“That guy in the corner of Starbucks with his laptop -- do you trust him with your private data?” asks Notenboom. Follow these Wi-Fi safety tips, and you won’t ever have to ever wonder.

Shopping Online? Best Deals for Moms

Statistically, moms still control the proverbial purse strings in many families -- and online shopping outlets have caught on. Sites of all sizes and categories are offering the best deals and perks just for mom consumers, who welcome not only the savings, but also the added convenience.

“I think online shopping is one of the greatest things to happen to modern motherhood,” says Mir Kamin, an Atlanta-based mom and what’s called a “DealProorSavings.com. “When you’ve got little kids, the idea of even just running to the grocery store to get cereal can be daunting. Being able to sit in your pajamas at the comfort of your computer and have it delivered for less hassle and money? Amazing!”

Linsey Knerl, a mother of five based in the tiny town of Tekamah, Neb., couldn’t agree more. The extremely rural nature of her surroundings makes it tough to trek out for necessities, and shopping online helps deliver her family’s needs to their doorstep. She often checks sites like Alice.com and BabyCheapskate.com for new deals. She also uses Amazon Mom on a regular basis.

“I save at least 20 to 30 percent on my total spending, but I also value the peripheral savings,” says Knerl. “When I go shopping, I usually have to bring all five kids, which means I’m driving the Suburban. Shopping online saves us hundreds of dollars per year on gas alone.”

So how can you make online shopping work for your family’s needs -- and your budget? Find out where the best deals are and how to make the most of them:

Online Shopping Tip No. 1: Look for websites that pack a double savings punch.
For instance, those with a free Amazon Mom membership get not only 30 percent off diapers and wipes through its Subscribe & Save program, but also three free months with Amazon Prime (which affords free 2-day shipping on most products). For every $25 spent, another month is tacked on to the free Amazon Prime access. “When I order anything at all -- from cereal to parts for my husband’s car -- we get it shipped in two days for free,” says Knerl of her Prime benefits. “I have one year banked where I don’t have to pay any shipping costs.”

Online Shopping Tip No. 2: Let the best deals come to you.
Some moms don’t have time to comparison shop or search for deals, and that’s where time-saving resources like DropDownDeals.com come into play. After downloading a plug-in, users can visit various retail websites, and available coupons will automatically be displayed for that merchant. Time-strapped moms can also subscribe to services like ZingSale or DealNews email alerts, which send shoppers customized sale and savings notifications.

Online Shopping Tip No. No. 3: Look beyond Groupon for the best deals.
“In the wake of the recession, everyone wants a bargain, and retailers are sensitive to that,” says Kamin, who also runs the blog WantNot.net. “That’s why we’re seeing an explosion of Groupon-style sites.” No doubt about it: Groupon has started a major trend in the daily deals arena, and many similar sites with exclusively family-focused offerings are now popping up. BabySteals and  FamilyFinds are just a few popular sites in the cloud in this growing category.

Online Shopping Tip No. 4: Translate the savings to your brick-and-mortar experience.
Even when you’re not shopping online, you can still employ your Web savvy to save big bucks. (Research shows that $917 billion of 2009 retail sales were Web-influenced!) Sites like  SaleLocator point shoppers to local sales and even help users determine the best driving route to maximize time and gas mileage.

How to Prevent Identity Theft

You’re ready to drive that new minivan off the lot when the salesperson gives you the bad news: You didn’t qualify for the loan. He shows you your credit report with numerous unpaid accounts. Until today, you thought you had perfect credit.

“If a thief has your social security number and date of birth, he can look legitimate on a credit application,” says Beth Givens, director of the Privacy Rights Clearinghouse, a nonprofit information and consumer advocacy organization. “I’ve seen people lose their dream homes because they suddenly can’t qualify for a mortgage.”

Sounds scary, but don’t pull the plug on your computer just yet. You can reduce the risk of online identity theft by taking these steps:

Identity Theft Tip No. 1
Understand phishing and spyware.

Have you ever gotten an email that claims to be from your bank or favorite online auction and says something along the lines of “You must restore account access” or “Your credit card number on file is about to expire”? Well, most of these emails are actually sent by phishers, who take you to a spoof website where you unknowingly enter your account information -- only to have it stolen. Delete emails that ask you to reveal sensitive information, because reputable companies will never ask for your account information via email.

You also need to beware of spyware. These programs sneak onto your computer through email and pop-ups. Then they gather data as you type and send your passwords and other sensitive information to malicious hackers. Use antispyware software or an online security service to keep your computer and devices safe.
 
Identity Theft Tip No. 2
Read the privacy policy before giving up your social security number.

Here’s the thing: Your online DVD rental service doesn’t need your social security number to set up your account. In general, be stingy with the data you give out online. Always read the site’s privacy policy to see why it needs your data and how it will be used. Also monitor your accounts. Federal law entitles you to one free copy of your credit report each year. Get a copy of your credit report and then go over it carefully to spot potential red flags.

Identity Theft Tip No. 3
Don’t use real words in your passwords.

If your passwords include words from the dictionary, your birth date, the year you graduated college or the name of someone close to you (even spelled backwards), a criminal can easily figure them out on their own or with the help of specialized software. Instead, create passwords with more than six characters, and combine letters and numbers. For example, you might create a password that sounds like something you can easily remember -- such as lyrics to your favorite song -- but is spelled cleverly with letters and numbers.

Identity Theft Tip No. 4
Don’t give to random charities.
Some unsolicited emails may ask you to contribute to unfamiliar charities or to get involved with real estate offers in other countries. These scams ask you to provide your bank account information online to someone you’ve never met. Once the scammer has your information, he can use it to clean out your bank account or commit other types of fraud. Never respond to email offers asking you for your bank account number or for money. If you have a favorite charity, contribute directly through its secure website.

Identity Theft Tip No. 5
Warn your kids about identity theft.
Filtering software can help prevent your kids from sending out their home address and other personal information via email or the Web. But experts say you shouldn’t rely on technology alone. Make sure your kids know why you don’t want them giving out private data or responding to phishing emails. Let them know that they can always come to you with questions if they’re not sure what to do. Also, gather your kids and check out safety-tip sites like GetNetWise.com together to make learning about online privacy a bit more fun.

If your identity is stolen, your first call should be to the police. Report the theft and get a copy of your police report. You’ll need it when you call the three credit reporting agencies to put a 7-year fraud alert on your account. Also file a report with the Federal Trade Commission. Remember, the earlier you catch identity thieves, the easier it will be to recover.