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6 Tips To Stay Secure While Shopping Online

6 Tips To Stay Secure While Shopping Online

The holiday season is here, and that means consumers will be opening their wallets to gear up for parties, gift exchanges, and family gatherings— and an increasing amount of this spending is being done online. A survey conducted by UPS found that 2016 marked the first year where consumers reported making more purchases online than they did offline, at 51%; this is up from 48% in 2015 and 47% in 2014.

It’s easy to understand why so many of us have embraced online shopping: It’s easy, convenient, and far less stressful than cramming into a crowded mall or lining up outside a store at 3 a.m. in eight-degree weather. Unfortunately, online shopping has also opened up consumers to cyber crimes. While consumers scour online shopping sites for deals on gifts and Christmas decor, cybercriminals lurk behind the scenes, ready to harvest credit card information and personal data.

I spoke with Santosh Varughese, President and CEO of Cognetyx, about what consumers can do to stay safe from cybersecurity threats while shopping online. Here’s the insight he shared with me:

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1. Make Sure Your Devices Are Up To Date And Have Anti-Virus Protection

The first step to protecting yourself from cyber crimes is to ensure that all of your devices, whether a desktop, laptop or cellphone, are kept up to date. New cyber threats emerge daily, and OS and software updates often can address them. This includes updating your web browsers—something that’s easy to overlook.

No computer should be without anti-virus protection (not even Macs). Preferably, your anti-virus software should include additional cyber attack protection, such as firewalls and spam filtering.

2. Secure Your Home Network

Most people don’t change the default passwords their devices are shipped with. These default passwords are widely available online. Armed with this information, hackers are able to take control of peoples’ routers and other smart devices, often without their knowledge, that are then used to launch a massive cybersecurity attack.

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  • If you have not yet changed your router’s default password, do so immediately, as well as the default passwords for your smart TV and any other smart devices in your home. Hackers can use ‘unsecure these devices’ to break into your network and make their way to your computer.
  • Ensure that your wifi network is secured with WPA2 and requires a strong password for access. Change the default password your internet provider assigned you when your internet service was first connected.

3. Stick With Known Retailers And Double-Check URLs

Sticking with popular and reputable e-commerce sites, such as Amazon, Walmart, or eBay, is always a good practice. However, it is incredibly easy for hackers to set up a phoney version of a legitimate retailer’s website, so always check to make sure you are accessing the website you think you are:

  • When in doubt, use an online fake website detector.
  • Beware of buying from sites with domains that end in “.org”, “.tv”, and other extensions that are almost never used in e-commerce.
  • Look for a “green lock” indicator directly to the left of the URL. If this is missing, this means the site does not have a high level of security that has been guaranteed by a known entity such asVerisign or Symantec.
  • Make sure that the website’s address begins in “https,” which indicates that the website is secure and the information provided by you will be encrypted.
  • Double-check the site’s URL for minor variations in spelling.
  • Type in the URL by hand or use your browser bookmark; never follow links from social media posts, emails, or SMS messages.

4. Be Careful Using Mobile Shopping Apps

Mobile internet access is exploding, with mobile representing over 65% of all digital media time – and apps are being used more often than mobile websites. Mobile analytics company, App Annie, reported that consumers spent a whopping 80 million hours on mobile shopping apps in the week leading up to Black Friday this year. Shopping apps are convenient and often offer better functionality on a mobile device than a website. However, just as hackers can set up phoney websites, they can also build fake shopping apps, so follow these precautions:

  • Download shopping apps only from reputable sources, such as the Google Play Store or the Apple App store.
  • Before downloading an app, read the reviews and comments to see if anyone else noted something suspicious – or if the app has nothing but glowing reviews that sound like they were all written by the same person.
  • Don’t just click “I agree” without reading what permissions an app asks for. Read them carefully, and if you see something that bothers you or that doesn’t make sense, such as if the app wants to access your contacts, don’t allow it to do so – or discontinue the installation.

Additionally, you should always log out of online shopping (and banking) apps completely after you are done using them, and don’t let your mobile device store any of your passwords or payment information. Enable a passcode on your phone or tablet in case your device is stolen.

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5. Pay Safe

When shopping online, payment methods matter:

  • Never pay for an online purchase with a wire transfer; this is a favorite method of scammers.
  • Avoid paying with debit cards or e-checks, as this could tie up the money in your bank account during a dispute. Use a credit card with strong fraud protection or a Paypal account that is linked to one.
  • If you don’t have a credit card, use a prepaid debit card.

Additionally, you should never access your bank account, make purchases, or transmit any other sensitive data over public wifi networks, such as those found in hotels, airports, and restaurants. If you need to buy something or access your bank account while on the go, set up your mobile phone as a secure wifi hotspot and tether your computer to it. Make sure that you set up the tethering using a secure password and WPA2 security, and turn off the tethering capability when you are finished using it.

6. Consider Using a VPN

For extra protection when shopping or banking online, consider using a VPN, or a virtual private network. A VPN creates a secure, encrypted connection between your computer and the VPN provider’s server, allowing you to make purchases and access your bank account even on an unsecured or public wifi connection. This prevents anyone from intercepting your activity in a man-in-the-middle attack. Using a VPN is easy and requires no additional hardware, and any desktop, laptop, or mobile device can use a VPN. There are multiple VPN services available; some are free, while others require a paid subscription.

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Shopping apps, “deal” websites, one-click checkout—the same technological advances that have made online shopping so easy have also made it possible for hackers to compromise the networks of even the biggest retailers. But by taking proactive steps to protect yourself and your personal data, you can keep cyber criminals from spoiling your holidays.

Featured photo credit: Shutterstock via shutterstock.com

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Last Updated on June 17, 2019

40 Top Productivity Apps for iPhone (2019 Updated)

40 Top Productivity Apps for iPhone (2019 Updated)

Over the years here at Lifehack, we’ve discussed plenty of apps that you can use to improve your overall productivity.

There are certain ones that many of our contributors and editors (past and present) have adopted over the long-term — there are always the stalwarts that stick around. But there are also new apps that crop up every day, adding more and more depth to the app category.

Some of the apps are incredibly plain and simple, while others are more robust and offer more features than you can shake a stick at. And everyone has the one they prefer.

It’s been our job (and still is our job) to keep abreast of all of the productivity-type apps out there. As a result — and as a bit of a refresher — we’ve put together a list of 40 best productivity apps for iPhone (all categorized based on their functions) to provide you with an all-in-one resource for you.

For Getting Things Done

1. OmniFocus

This app is, while pricey, considered to be one of the (if not the) most robust and full-featured productivity apps on the market.

Download it here.

    2. Forest

    Train yourself to put your phone down and stay focused on the task at hand by playing with this planting game. It’s fun and will help you achieve more.

    Download it here.

      3. Things

      Another robust choice, this app is a favorite amongst “productivityists”.[1]

      Download it here.

        4. 30/30

        Recently covered here at Lifehack

        , 30/30 is a newcomer to the game that incorporates lists and timing of tasks into an elegant and easy-to-use interface.

        Download it here.

          5. Any.Do

          A beautiful-looking app that is both easy on the eyes and your wallet.

          Download it here.

            6. PocketLife Calendar

            This calendar app is specifically designed to be stylish and super easy-to-use. You can organize your life easily with different modern features.

            Download it here.

              7. Asana

              We’ve covered Asana here at Lifehack

              , and it is being actively developed by a strong team committed to making collaborative task management a more efficient and effective experience.

              Download it here.

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                8. ToDoist

                This app keeps track of everything – from simple errands to your most important projects – so you can get it all done and enjoy more peace of mind along the way.

                Download it here.

                  9. FlowTasks

                  From the folks at MetaLab, Flow is a gorgeous collaborative task management app that is easy-to-use and incredibly functional.

                  Download it here.

                    10. Calendars 5

                    This calendar app focuses on events that help you to keep track of upcoming events and tasks easily. It has everything you need to organize, track and complete your to-dos.

                    Download it here.

                      11. Clear – Tasks, Reminders & To-Do Lists

                      A fun and innovative list-making app that relies on swiping and pinching to make things happen. Clear created a lot of buzz when it launched, and might be the perfect to-do list gateway app for many.

                      Download it here.

                        12. Due

                        A robust reminders app that lets you store and maintain reminders of all types. It’s replaced Reminders for me when it comes to the basics, and it’s worth a look if you want to keep the mundane stuff out of your head and cluttering your mind.

                        Download it here.

                          13. Checkmark 2

                          I use this app

                          for location-based reminders (such as groceries I need to get or single items I need to pick up from various locations). Checkmark is simple to use and a valuable addition to my productivity arsenal.

                          Download it here.

                            14. TeuxDeux

                            Created by Tina Roth Eisenberg and Fictive Kin — Teux Deux is simple and incredibly stellar in terms of design. If you like lists (including the popular “Someday Bucket”) and want to associate dates with tasks, then Teux Deux will be right up your alley.

                            Download it here.

                              15. Wunderlist 

                              Another incredibly popular choice is Wunderlist. Part of 6Wunderkinder’s software family, it sports a gorgeous design and is incredibly functional. We’ve talked about the app a couple of times here at Lifehack, so check those posts out here.

                              Download it here.

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                                16. Nirvana

                                For the GTD enthusiasts, there’s Nirvana. Straight from the source: “Nirvana frees your mind to focus on actually getting things done. If you’ve had enough of generic to-do lists, it’s time for Nirvana.”

                                Download it here.

                                  17. Priorities

                                  An elegant-looking task management app that has received decent reviews,[2] this could be the one for you if you’re not a fan of OmniFocus or Things — especially if you need (or want) to share tasks with others.

                                  Download it here.

                                    For Building Habits

                                    18. Productive

                                    With this app, you can plan your habits with an easy-to-use interface, schedule habits for any time of the day, set smart reminders for each time of the day and stay on track with useful feedback. This app is perfect for anyone who wants to build a habit that sticks.

                                    Download it here.

                                      19. Habitica: Gamified Taskmanager

                                      You can complete tasks and build habits in a more fun way with this app. Input your Habits, your Daily goals, and your To-Do list, and then create a custom avatar. Check off tasks to level up your avatar and unlock features such as armor, pets, skills, and even quests.

                                      Download it here.

                                        20. Streaks

                                        This app follows the model of the popular “don’t break the chain method” in that you use the app to track how you are donig in the pursuit of your goal. Great for goal-setting — and an easy and elegant interface to boot.

                                        Download it here.

                                          21. Remember The Milk

                                          Another popular to-do list app, Remember The Milk has a huge following. It has plenty to offer, including the ability to share tasks with others.

                                          Download it here.

                                            22. Day One Journal

                                            When it comes to journaling, nothing really beats Day One. Its latest update added a slew of features that will make you want to start making journaling a habit.

                                            Download it here.

                                              For Files Organization

                                              23. Evernote

                                              Touted as the world’s most widely-used productivity app, Evernote an be used simply as a notetaking app or can be customized to be your GTD app of choice — among other things.

                                              Download it here.

                                                24. Pocket

                                                You can save an article, video or link you want to read or watch later to Pocket from anywhere including your computer, Safari, email, and your favorite apps like Facebook, Twitter, Flipboard, and Feedly.

                                                Download it here.

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                                                  25. Sync.Me

                                                  This app identifies unknown phone calls, warns you from annoying spam calls, and adds a caller picture to your contacts from Facebook, Twitter and Google+.

                                                  Download it here.

                                                    26. Droplr

                                                    One of the most popular file-sharing apps out there today. Straight from the source: “Stay productive on the go. Droplr for iPhone keeps you in sync and makes sharing on the iPhone natural.”

                                                    Download it here.

                                                      27. Dropbox

                                                      Before iCloud, there was Dropbox. And there still is Dropbox, which is still widely used by both Mac and PC users all over the globe. It’s like having a flash drive in your iPhone. A must-have.

                                                      Download it here.

                                                        28. iDolly 

                                                        In conjunction with Dolly Drive and DollySync, iDolly allows you to edit and share your documents from your iPhone.

                                                        Since all your changes sync automatically to all your devices, the current version of a document will always be accessible because Dolly Sync keeps everything in sync. Very handy.

                                                        Download it here.

                                                          29. Soulver

                                                          It may seem odd that a calculator app shows up on this list, but this is no ordinary calendar app. Ben Brooks over at The Brooks review describes Soulver as follows: “It is what calculators would have been if they were invented at the same time computers were, instead of what we have with most calculator apps.” [3]

                                                          Download it here.

                                                            For Working Smarter

                                                            30. Captio

                                                            A simple capture tool. Straight from the developers: “It’s simple. Open Captio and start typing. When you’re done, hit Send. The note is immediately delivered to your email inbox.”

                                                            Download it here.

                                                              31. Drafts

                                                              A tremendous capture tool that allows for simple capture, followed by sending items to various applications such as OmniFocus, Things and more.

                                                              Download it here.

                                                                32. NoteShelf 2

                                                                This is a perfect note-taking app for you. You can take beautiful handwritten notes, type, annotate PDFs, record audio & create lists. You can organize them into categories or groups.

                                                                Download it here.

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                                                                  33. Doodle

                                                                  This app links directly with the Doodle service, which is one that allows you to plan and organize meetings far more efficiently and effectively. Lifehack contributor Steve Dotto has written about Doodle more in-depth here.

                                                                  Download it here.

                                                                    34. TextExpander (Legacy)

                                                                    I have saved countless hours of time with TextExpander, and despite its inability to be as robust on iOS as it is on the Mac, it is still a worthy app to have in your arsenal.

                                                                    Download it here.

                                                                      35. Launch Center Pro

                                                                      A quick launcher for the iPhone that doesn’t just launch an app…with some of them it can do much more. This app saves you time by launching complex actions in a single tap.

                                                                      Download it here.

                                                                        36. GoodReader

                                                                        This may seem to be an odd one to make this list, but here are plenty of reasons why it is here with this article.

                                                                        Download it here.

                                                                          37. LogMeIn

                                                                          Want to be able to control your Mac from wherever you are? Then get this app.

                                                                          Download it here.

                                                                            For Improving Security

                                                                            38. 1Password

                                                                            There is simply no better password manager out there. I’ve even put together a 1Password Emergency Kit worth looking at here.

                                                                            Download it here.

                                                                              39. LastPass Password Manager

                                                                              You can store passwords and logins, create online shopping profiles, generate strong passwords, track personal information in photo and audio notes.

                                                                              All you have to do is remember your LastPass master password, and LastPass autofills web browser and app logins for you.

                                                                              Download it here.

                                                                                40. Truecallers

                                                                                Identify and block spammers, search for unknown numbers and call friends easily with this app. With a community-based spam list from over 250 million users, you’ll need this app.

                                                                                Download it here.

                                                                                  There are plenty of other options out there (and we’ve heard from readers in the past as to what they enjoyed using), but these 40 are among the best.

                                                                                  More Great Apps Recommendations

                                                                                  Reference

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