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10 Ways to Keep Fraudsters From Stealing Your Identity

10 Ways to Keep Fraudsters From Stealing Your Identity

You’re opening your inbox at work when suddenly you get a message from an unknown company. It turns out to be an email from what seems to be a new online shopping store who’s offering great discounts.  On its home page it requires you to sign up asking for your name, credit card number, and password. 

Should you be alarmed? How willing are you to give your private information?

Identity theft is on the rise. The US Bureau of Justice Statistics estimated that there are 15 million American victims of credit card fraud every year. From 2007, malicious software and programs grew from 1 to 130 million in just a span of a few years. These software are also evolving rapidly from what used to be easily scanned and removed viruses, to sophisticated stealth programs that work to monitor computer keystrokes. Costing billions of dollars each year, it is considered one of the fastest growing crimes in America.

What is Identity Theft?

The term identity theft is defined as “the deliberate use of someone else’s identity, usually as a method to gain a financial advantage or obtain credit and other benefits in the other person’s name.”

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These criminals, also called hackers or fraudsters, obtain people’s personal information through various sophisticated and old fashioned methods of stealing — including skimming, phishing, dumpster diving, shoulder surfing, and remote thievery.

The rise of clever hackers with ingenious tech skills is a terrifying problem that could affect everyone’s internet and website security. All forms of devices — your home computers, laptops, and even mobile devices — are vulnerable to identity thieves. So how does one protect their digital presence?

1. Practice Email Safety

Beware of suspicious links and attachments in your email. Some thieves will send victims emails containing links that may appear to be from a legitimate source. However, these links are often directed to a fake site designed especially to collect sensitive data, such as people’s usernames and passwords. Usually, criminals send these emails during holiday seasons alongside promotional emails from other legitimate or popular websites.

2. Create Better Passwords 

How many passwords do you have for every account? If you’re only using one for everything, you might want to change some of them. Experts recommend having different passwords for every website you sign up for. For example, your email password should be different from your Facebook and your PayPal password. Securing your passwords ensures your safety from thieves who acquire information by simply hacking your email and then getting data from all your linked accounts.

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3. Invest in Good Anti-Spyware Programs

Arm your computers with good anti-virus software — and make sure that you update it regularly. Links from scams usually have viruses that can infect your computer and become gateways for hackers to control your device. When choosing a good anti-virus program, it’s always wise to avoid nefarious applications masquerading as free anti-virus software. For safety measures, always choose popular programs trusted by a lot of people.

4.  Be Wary of Phishing Scams

This form of scam is used by fraudsters to get your valuable details and hack your credit cards. Phishing is a way of acquiring personal information by fooling people to subscribing or signing up into a forged website designed to steal personal data. These scams often lure people by offering free services and discounts and sometimes by faking authority to get the person’s trust.

5. Avoid Public Wi-Fi

You might want to think twice before you connect to a public Wi-Fi.  Sometimes, cyber fraudsters will hack and use public Wi-Fi to access private data on their victim’s devices. They can do this easily by using a technique called sniffing that intercepts data packets and enables the user to see everything on a fellow free Wi-Fi user’s device. Sometimes they can also set up rogue accounts and disguise it as public connections for airport, libraries, and other crowded community spots.

6. Review Your Credit Cards

How often do you review your credit records? Once hackers have access to your credit accounts, they will steal small amounts (under 2$) so you won’t notice it at the beginning. During times when you shop more especially during the holiday seasons, hackers will increase the amount of money they’ll steal. Thus, it’s very important to always review your credit records and check your bank immediately if you see even minor suspicious spendings.

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7. Know Where You Shop

When shopping on phone, tablet or computers, make sure that you’re double checking the website you’re on. Hackers often clone shopping sites to do various phishing attacks. A good way to distinguish whether a site is secure or not is by looking at the lock symbol on the left side of the URL tab. It’s also better to shop on popular and trusted websites.

Do not ever reveal personal information to unverified sources over phone or the internet. People have reported many cases of getting phone calls from people claiming to be someone from the bank and asking for their account numbers and PIN. Immediately hang up if this happens and call the direct number of your bank company to ask if they are really associated with this number. This way you can be sure that you are speaking to a real representative and not an impersonator. Know who you are dealing with and be defensive whenever anyone contacts you asking for private identity or financial information.

8. Keep Physical Documents Safe

Invest in home safes. Safes are built for the purpose of keeping your documents and files safe from prying eyes with malicious intent. When throwing away documents that contain sensitive information, it’s best to shred the file to prevent it from getting in the wrong hands. Dumpster diving is a common method of stealing where criminals search the trash for items of use and value.

9. Be Careful of Shoulder Surfers

Shoulder surfers are people who keep watch over your cards whenever you make a transaction in an ATM bank or even online. These thieves will be cloaked as normal people, even wearing suits and looking respectable. They target people in every profession and in the most seemingly safe locations.

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They also use a lot of gadgets like credit card skimmers, tiny cameras, and may even use binoculars to look at your card details from afar. When using ATM, make it a point to shield your keypad to prevent anyone from seeing you when you punch your PIN. When in foreign countries or new places, use machines that are in public and well-lit areas.

10. Protect Your Identity Online

Identity theft protection services are becoming increasingly important. Many companies now offer services that will help you prevent identity theft. You can check out these expert reviews of identity theft protection services to know which services will suit your needs.

 Final Thoughts

Having your identity stolen is no laughing matter. This is an issue that needs to be addressed. The more people are aware of this practice, the more we can fight this crime. For now, the best thing we can do is to take a cautionary approach when giving personal information online or offline. Stay vigilant and protect your identity.

Featured photo credit: Sylwia Bartyzel via unsplash.com

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Last Updated on June 2, 2020

How to Write an Impressive Cover Letter (With Examples)

How to Write an Impressive Cover Letter (With Examples)

Think of your cover letter for a job application as an in-person introduction. Your resume outlines the facts—where you worked and for how long, along with your major accomplishments. But your cover letter also shows off your personality.

Your cover letter should outline the case for why you deserve the job without being “salesy.” How do you do that? Follow these 12 important guidelines.

1. There Is No Cookie-Cutter Cover Letter for a Job

Targeting your resume to a particular job may mean changing up your “Objective” section a bit or adding to your “Executive Summary” section. Cover letters, though, really need to focus on the particular person you’re writing to, the particular job, and the particular company. It needs to prove, with an economy of words, that your job experience fits the requirements of the position for which you’re applying.

Your letter should show that you have amassed the skills you need to succeed in that workplace. And, your cover letter should clinch your prospects by making the case that you are very excited about working at that particular company.

2. Always Opt-in to the Optional Cover Letter

Some job postings will give applicants the option of opting out of providing a cover letter for a job[1]. Don’t take the bait! Use the opportunity to further sell yourself in a personalized, well-crafted cover letter that creatively shares who you are and why your skills and personality align with the position and the company. Think of your cover letter for a job as an opportunity to describe your value proposition.

3. A Reference Goes a Long Way

Did someone recommend you for the job? Put that in the subject line of your cover letter if possible. If an online listing dictates what your subject line must be, cite the personal recommendation in the first sentence of your letter:

Dear Ms. Sanders,

Steve Smith recommended me for your Assistant Planner position. I worked with Steve at the XYZ company for four years as his assistant until he moved on, and I feel as though I learned from the best.  His high praise for you is the primary reason I am applying for this position, as I consider him an excellent judge of character. 

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You may want to bolster Steve’s recommendation with a short anecdote about working with Steve. Don’t be shy. Steve’s high opinion of you will likely mean that your resume gets a serious look.

4. Outline the Key Points You Want to Make

Company by company, your cover letter for a job application needs to be specific and bulletproof. Unless you have a great deal of practice in writing cover letters, it’s hard to just bang them out. So don’t even try. Instead, start with a list of points you intend to make. Generally, these would be a “grabby” introduction, a story or two about a particular accomplishment that is relevant to the job to which you are applying, a reason why you are the ideal candidate for the position, and a conclusion with a suggested next step.

  1. Intro – Have been familiar with the company since my father worked there in the 1980s.
  2. College Major – Majored in industrial engineering so I could get a job at CYY Building, Inc.
  3. Captain of Soccer Team – Prepared me to solve problems, promote morale, and coach a team.
  4. Ask for Informational Interview – 15 minutes to meet in person and learn more about opportunities.
  5. Compelling Close – Ask Hiring Manager to call me. Say I will call her in a week if I don’t hear from her first.

5. Moderating the Tone of Your Cover Letter

Some companies are buttoned-up. The workers wear three-piece suits to the office each day plus loafers. Other companies are more casual. The employees wear shorts in the summertime and skateboard through the hallways. In an in-person interview, you would never wear shorts to a company whose employees are sporting three-piece suits.

Similarly, your cover letter needs to strike the right note. The letter you write to a start-up should sound markedly different than the letter you would write to a white-shoe law firm.

For example, even using something as informal as “Greetings” for the salutation may not be appropriate at a more formal firm. And definitely don’t use the default “To Whom It May Concern.” Instead, try to find the name of the hiring manager with an online search. If that’s not possible, you will want to begin with “Dear XYZ Hiring Manager.” The tone of your cover letter for a job starts at the very beginning.

6. Create an Attention-Grabbing Opening Line

Think of going to hear a presentation by a motivational speaker, only to have her open with, “I’m here today to present (fill in with title of the presentation).” What a let down! What if instead, she started with, “I just ran a half marathon. Now doesn’t that sound better than if I told you, ‘I tried to run a marathon but quit half-way through?’” See the difference? You want to hear more.

Craft the first line of your cover letter with the utmost care. It doesn’t need to be clever, but it needs to show your personality and your fit for the position.

Dear Mr. Stevens,

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I am committed to making the customer service experience better for people like my grandmother. At 87 years old, my Gram is lost in the digital world and reliant on customer service representatives she can reach by telephone to answer her questions and solve her problems. She regularly shares stories of frustrating dead-ends she experiences with people wanting her to “go online and make your selection.”  Yet, whenever she reaches someone willing to take the extra time to resolve her issue, she sings the company’s praises to everyone she knows. Based on Gram’s frustrations, I want to be that person who won’t give up or pass the buck with bewildered customers.  

With a strong, anecdotal opening such as this, you show purpose and passion behind your application to be a customer service representative.

7. Recognize the Value of Cover Letter Real Estate

Spare writing is key in the cover letter for a job. It is always best if your letter doesn’t exceed a page. Those reviewing applications appreciate a letter that is terse, yet provides useful information to evaluate an applicant. This means you have five to six paragraphs in which to work.

Repeating anything from your resume is a waste of real estate. Think in terms of describing why you are applying for the position and why you are the best candidate.

To best show your personality, avoid stale phrases such as, “I believe my experience would be a good fit in your organization.” Add punch to your statements that show off your accomplishments and your attitude.

I thrive in start-up environments where I’ve learned to expect the unexpected and to make changes on the fly. In one such instance, I uncovered better results from a pilot project and in under 30 minutes had updated the CEO’s presentation in time for his meeting with a venture capitalist.

8. Getting Creative

On the surface, a requirement is a requirement. Many online ads specify the number of years, and you might think they are ironclad. But if you count the number of years you amassed a particular skill at the job and add any volunteer work where you also used that skill, you might surpass the requirement.

Say that you are applying for a position in fund development. If your career experience in putting on charity fundraisers falls a little short, it’s certainly appropriate to add in time spent organizing fundraising events as a volunteer—as long as you indicate it as such in your cover letter for the job.

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I recently passed my two and a half year mark of employment as a fund development associate with Notable Events. Concurrently, I oversaw all aspects of two annual fundraising galas as a volunteer board member of Reach for the Stars Foundation, offering scholarships to first-generation college-bound students. These involved finding sponsors for more than 70 silent auction items, renting event space, working with caterers, recruiting volunteers and MC-ing both events, which each drew more than 200 attendees and, together, raised more than $250,000. I believe this intensive hands-on experience helps supplement my years of employment.

Showcasing your community ethos through volunteering could make up for the deficit in actual on-the-job experience.

9. Making the Case that You Fit

How will you fit in at the company? With some research, you can easily figure out the corporate culture of an organization. Many companies share their core values in job recruitment ads. But even if you can’t discern a company’s mission or beliefs from its advertising, you can learn it from articles you read about the company.

Is it employer-centric or employee-centric? Is the culture more traditional or more fun? And what are you looking for? When you find a company where your needs align with theirs, that’s an indication that you would fit in well. Take care to make sure that your cover letter reflects how you fit.

If you are a recent military veteran[2], consider which civilian positions lend themselves to the regimented culture of which you’ve become accustomed. For example, your occupational specialty while in the military could dovetail well with a company’s job requirements—and you have the added benefit of discipline, following instructions, and teamwork that you can apply to any future position.

10. Always Ask for What You’re Worth

If the employer asks applicants to share their salary requirements in the cover letter for a job, disregard what you made in your former position and look into the salary ranges[3] of the advertised position. You will want to adjust up or down within the salary range depending on your prior experience in the industry or in a similar role.

The key is to not undercut yourself by asking below the minimum amount, or to overinflate your worth by asking for an amount higher than the maximum pay in the salary range.

11. Show Your Cover Letter to Three People Whose Opinion You Trust

Once your letter is out in the world, it’s too late to tweak it for that particular job. You will dramatically improve your chances of having your cover letter “land” correctly if you’re proactive. Find a few people in the field, and ask them if you can show them your cover letter before you send it out.

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If you are starting out and don’t know anyone in the field, you may want to consider paying for a professional career consultant or coach to review your cover letter and resume. Remember that the care you demonstrate in your cover letter is that employer’s first impression of you.

12. End With Enthusiasm

You want to stay upbeat all the way to the end of the letter. Let the reviewer know that you appreciate the opportunity to apply and that you look forward to hearing from (or having a chance to meet with) them in person.

It would be an honor to be part of your team, and I hope to have an opportunity to discuss this role and how I could contribute to it in person.

This acknowledges that the organization gets to make the next move, but that you anticipate it will be in your favor.

Sign off formally (“Sincerely” or “Best regards”) or informally (“Best” or “Thank you”) depending on the tone of the letter. Also, be sure to include your email address and phone number under your name. This ensures that, should the reviewer wish to contact you, the contact information is easily accessible.

Final Thoughts

The best cover letters for a job are lively, authentic, and provide a memorable result, anecdote or example of your approach to work. By tying your approach to the requirements of the job description and revealing your personality as a fit for the organization, you will give yourself a winning chance for making the cut and landing that coveted job interview.

More Tips on Writing a Great Cover Letter

Featured photo credit: Glenn Carstens-Peters via unsplash.com

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