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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 August 15, 2018

25 Most Useful Excel Shortcuts That Very Few People Know

25 Most Useful Excel Shortcuts That Very Few People Know

Imagine if you could use 5 simple shortcuts while working in Excel, and increase your productivity without wasting time for searching information in huge tables, writing long formulas, and sorting the data.

Or even better:

What if you would get 25 useful shortcuts… and each of them could simplify your work, so you could do much more every day?

You’d definitely feel excited to read about them.

Today is your lucky day because we are going to share with you in this article 25 great Excel shortcuts you can use in your work every day! This is your lucky chance, so go ahead and become a real professional in Excel without wasting your time.

How important are Excel shortcuts for you?

The most effective thing to check out if people really need something is to release a survey and look at the results. So, according to the anonymous survey, 99% of people said Excel shortcuts are critical or important for them.

In general, there are more than 200 shortcuts in Excel. But when we have analyzed the data about how many shortcuts people know, we got the next results:

  • 26% of people know 10 or fewer shortcuts;
  • 61% of people know 10-50 shortcuts;
  • 10% of people know 50-100 shortcuts.

As you can see, not so many people know a lot of shortcuts. Probably, some of them never think about increasing their productivity in such a simple way.

Of course, it depends on how deep you use Excel. Some people use this powerful application just for making simple tables or graphs, others use it for everyday work to count something.

Most of the accountants and businessmen use much more Excel functions for more complex tasks such as creating VBA macros, managing PivotTables, recalculating huge workbooks, outlining data, etc.

But even those people who work with Excel every day very close may know a few shortcuts. Needless to say, they can do their job without shortcuts, but it usually takes for them much more time. T

his sounds not funny, especially if you must finish a huge amount of work urgently. There is a great opportunity for you to increase your productivity in Excel and do your job faster with our useful shortcuts.

5 Main reasons to learn excel shortcuts

Many people don’t understand why they should use shortcuts if they can work without them. Of course, if you use Excel twice per year to make a simple table or a graph, it is probably not so important for you to know many shortcuts.

But if you work in Excel every day, sorting huge tables and managing with tons of data, then shortcuts will help you to reach the next five goals:

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  1. Work efficiently and faster in Excel
  2. Manage big amounts of data easily and fast
  3. Stay calm and concentrated even while doing a tedious job
  4. Make your work accurately and properly without errors
  5. Get a better understanding of Microsoft Excel

Who can use Excel shortcuts?

There are a lot of people who can simplify their life with Excel shortcuts, and here are the groups that will definitely love using them:

  • People who work in banks, finance organizations, etc.
  • Businessmen who make tons of various reports and presentations in Excel for meetings and briefings.
  • Students who usually are lazy and impatient to make their homework because they don’t want to waste a lot of time working in Excel.
  • Private entrepreneurs who keep various data in Excel tables.

Whether you are a student who hates Excel because it seems a time-wasting and boring application, or you are an accountant who must recalculate huge worksheets every day without making errors, we recommend reading and learning these Excel shortcuts to make your work simpler and save some time.

With these simple but useful tricks, it is so easy to finish your job and get more time for yourself.

25 Excel shortcuts to increase your productivity

Here are 25 great Excel shortcuts you should learn and use for work or studying to make your job faster and simpler. Try to use them all and you will realize you were totally blind before while working in Excel:

1. Format whatever object fast with Ctrl+1

If you select any object in Excel – a cell, a chart, a chart axis, a drawing object – then press Ctrl+1, and you will get the Properties dialog for the certain object. This shortcut offers a very quick and easy way to format whatever object you’re working with.

2. Use range names with Ctrol+G or F5 key

If you use range names (which we strongly recommend to do) and you want to choose the range with a specific name references, press either Ctrl+G or the F5 key, which launches the GoTo dialog.

If the name is simple, you can click on it in a list in that dialog. But if it’s at all unusual, Excel won’t list it; so you will need to type in the name. Then press OK.

3. Use a range name in a formula with =sum( and F3

Suppose you want to use a range name in a formula. For example, you want to sum the Sales range. Enter…

=sum(

…and then press F3.

When you do so, Excel launches the Paste Name dialog. Just choose “Sales” from the list, press the OK button in the dialog, then enter the SUM function’s closing “)” to complete the formula.

4. Launch Function Arguments dialog easily with Ctrl+A

Suppose you want to check the help topic for a worksheet function. For example, you want to read about the MATCH function. In a cell, type…

=match(

…and then press Ctrl+A, or click the Insert Function (“fx“) button to the left of the formula bar.

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When you do so, Excel displays the Function Arguments dialog, which might offer all the help you need.

But if you still want to see the complete help topic, click the blue “Help on this function” hyperlink in the lower-left corner of the dialog. This technique works with all documented Excel functions.

5. Copy stuff down the column without scrolling with Ctrl+D

If you added a formula in a new column on the right of a huge dataset, and you want to copy that formula down without scrolling, do these steps:

  • go to the right to the column that has data (the column to the left of the new column with the formula);
  • press Ctrl+Down – to get to bottom;
  • move one cell to the right (with arrow key naturally);
  • press Ctrl+Shift+Up to select the new column, at the top of which is the formula you just created;
  • press Ctrl+D to fill down the formula.

6. Quick access to any function with Alt+

By customizing the quick access toolbar, you can create simple shortcuts to commands that you would otherwise have to find in the Ribbon tabs, or macros you have created yourself.

The keyboard shortcut is simply selecting Alt+ (the number of the command you wish to select).

For example, if you have customized your quick access toolbar to have Calc Sheet, Save, Open. To calculate sheet you would hit Alt+1, for save Alt+2, and for open Alt+3.

A lot of people are unaware of this useful function, and it’s a great time saver.

7. Format cells with Ctrl+1

When you need to format cells, use Ctrl+1. Most people know this as the shortcut for the Format Cells dialog, but you can also use it to format almost anything in Excel, without a care about the state of the ribbon. Try this amazing and simple shortcut!

8. Choose visible cells with Alt+

When you need to choose visible cells only – use Alt+. This is the trick to copy only what you see. It is a priceless shortcut when you’re manually hiding rows and columns in the table.

9. Use filtering

Filtering – it is a powerful way to slice, dice, and sort through a huge table of information.

It’s amazingly effective when you’re participating in a meeting to discuss something like a sales forecast, and everyone is looking in real-time at your spreadsheet projected on a screen (or on their monitors).

To some people, you will be seen as the God of Spreadsheets, and this is not a joke!

10. Insert or delete column/row easily with the Ctrl key

Some people waste a lot of time even for simple operations, for example, when they need to insert/delete columns and rows in Excel.

Use this shortcut to insert: with an entire row or column selected, use Ctrl+Shift ++.

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To delete: with an entire row or column selected, use Ctrl + –.

11. See formula results with F9

If you want to check formula results within multiple formulas, highlight the formula and select F9 to see formula result.

Don’t forget to undo before exiting the formula.

12. Use ALT+Enter for more text within a cell

If you want to add a second line of text within a cell, use ALT+Enter.

13. Use EDATE to move a date on by a full calendar month:

Here’s how to use EDATE:

=EDATE(15/01/16,+1) = 15/02/2016 (15th Feb 2016)

=EDATE (15/01/2016,-2) = 15/11/2015 (15th Nov 2016)

14. Use EOMONTH to move a date onto the end of the month:

Here’s how to use EMONTH:

=EOMONTH(15/01/2016,0) = 31/01/2016 (31st Jan 2106)

=EOMONTH (15/01/2016,-2) = 30/11/2015 (30th Nov 2015)

15. Remove spaces with TRIM

TRIM is a useful function known by few people. It removes any spaces at the beginning of a value. This is useful if you are pulling in values from somewhere else.

16. Repeat commands with F4 or Ctrl+Y

In many cases, you may need to repeat your last action. Use F4 or Ctrl+Y; you can repeat many commands like applying the same borders, format, or insert a worksheet again.

17. Quick access to cells with the Ctrl key and Shift key

When you need to go to the first or last cell of a worksheet, no matter where you are, use Ctrl+Home, Ctrl+End combinations.

And here is a pleasant bonus for you: add the Shift key to select everything on the way!

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18. Use Ctrl+ to create a timestamp

If you need a date stamp and/or a timestamp in your document, there is no need to type a date and time! Use shortcuts Ctrl+ ; (date) Ctrl+Shift+ : (time). It works like a magic and helps to save your time and nerves.

19. Use autosum shortcut for sum function anywhere

Autosum shortcut – use Alt =. It is a “magic” shortcut of Excel to automatically insert a sum function.

You can use this shortcut to sum rows, columns, or even an entire table in one step without wasting your time.

20. Use data validation

This is an amazing but underutilized tool in Excel, which can be used for a variety of things:

  • Create dependent drop-down lists;
  • Create drop-down lists;
  • Protect/restrict data input of specific cells (without the need for VBA macros).

21. Use conditional formatting

It can be used for various purposes such as color format or cell format of cells, rows or columns based on dependent cell values or formats.

22. Use formula auditing

This is a great tool to analyze and trace precedent or dependent cells, check errors and evaluate formulas.

The “Watch Window” is a feature to keep a snapshot of an area of the spreadsheet, and then move to another area of the workbook – particularly valuable if you’re managing large spreadsheets or don’t have a second screen.

23. Use Scenario Manager to generate summary outputs of a spreadsheet

Scenario Manager (under “What-if Analysis”) enables users to generate high-level, summary outputs of a spreadsheet – without the need to replicate the entire workbook.

It will present multiple scenarios of a spreadsheet in a succinct, high-level summary worksheet.

24. Use INDIRECT to set up large tables

INDIRECT makes it easy to set up tables which reference larger tables without a lot of referencing work or cutting and pasting; especially for dynamic spreadsheets.

25. Use OFFSET for complicated calculations or formulas

OFFSET can be useful for things like calculating YTD numbers or creating formulas that take data in rows and using in columns.

The bottom line

As you can see, when you have a boring or tedious job to do, the best way to do it fast is not looking for a way how to avoid it, but searching for the shortest variant to do it!

That is why we suggest keeping in mind these Excel shortcuts that will help you to save a lot of time and nerves.

If it seems hard for you to remember all them, you can print out the list of shortcuts and keep it on your worktable. Use it to search for some help when you need it, and over time, you’ll remember all shortcuts easily.

Featured photo credit: Unsplash via unsplash.com

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