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Identity Theft Through Social Networking? Lessons to Take Now!

Identity Theft Through Social Networking? Lessons to Take Now!

In 2012, more than 12 million people became victims of identity theft and fraud, with an estimated total of $21 billion losses for the year alone, proving that these issues are growing problems in the US. The federal government, financial institutions and companies dealing with sensitive information are enforcing measures to protect their consumers from ID theft and fraud, but cyber criminals are finding ways to collect information—either through a data breach or by turning to social media to obtain information.

How social media can put you at risk for identity theft

Social media giants Facebook and Twitter recently suffered such hack attacks. Facebook claimed that no user data was compromised in the attack, while Twitter revealed that some 250,000 usernames, passwords, and email addresses were stolen.

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According to Facebook’s management, the computers of its employees were infected with malware that came from a mobile developer’s website that was already compromised. This particular attack shows that even though companies rely on technology to protect consumers, the latter is still vulnerable to attacks. Criminals focus their attention on the companies’ employees to gain access to their databases.

Criminals can also obtain your personal information through third-party applications. Most social media sites have apps that ask for permission to access your account information before you can install them. This is one way hackers steal your details to commit fraud.

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Unconsciously (or sometimes, consciously), you provide personal details you would not share otherwise on your social media accounts. Information such as your full name (including your middle name), date of birth, hometown, pet names, interests and hobbies, nature of work, and home or office address are just some of the personal details you post on your profile. Criminals can easily manipulate these details to commit fraud. Protecting this information just as you would protect your SSN and driver’s license number is one effective method of identity theft prevention.

You also put yourself at risk for identity theft when you post updates of your activities on your social media accounts. Posting that you’ll be out of town on the weekend might attract burglars. Opportunists will steal not only valuable items (jewelry, gadgets and cash) from your home, but also documents containing your personal and banking information. This could very well be the start of your identity theft problems.

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How to protect your information on social media sites

Before deleting your social accounts, you should consider that you can be smart about what you post or provide on your profiles. You can still enjoy participating in social media sites without falling prey to identity thieves and fraudsters. Here are some points to consider:

  • Be in control of the information you provide online. Find out how the site will use your information (such as for targeted advertising). As much as possible, never allow the site to make your personal information available to third-party application developers or marketing agencies.
  • Never provide your SSN or driver’s license number even if the site asks for either.
  • You should also avoid giving out your credit card number when buying additional apps or features for your account. This is one way to prevent credit card fraud.
  • If you plan on becoming active in social media sites, make sure you provide as little personal information as possible. You should also consider changing a few details (like the day on your birth date) so those who can access your details won’t have your actual information to use for ID theft-related activities.
  • Only invite or accept invitations from people who you know or have met, and avoid inviting strangers or friends of friends to your network.

Guarding against identity fraud

Not all identity theft cases lead to identity fraud, but it pays to be cautious. If your social account has been hacked, all your personal details may be compromised. Any combination of the details you provide in your profile (such as your full name and home address) can be used to commit fraud. You should regularly your check credit report to see if there are any suspicious activities involving your name. You should also check your credit score as some of these activities may have an effect on it.

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For the naturally wary, enlisting credit monitoring services is helpful in tracking suspicious activities. You’ll be notified daily or as often as necessary when changes in your credit occur. Some people think regular credit monitoring is only for the paranoid, but if you think about the financial and emotional costs of identity fraud, you’ll see that that this service is well worth your money.

Actively participating in social media sites puts you at a higher risk of identity theft simply because more people will “see” you and will have access to  your details. Being cautious of how much information you share (or overshare) on your accounts. Having control of how this information is used is the key to protecting yourself against identity theft and fraud.

Are you a victim of identity theft through social media? Share your story with us by posting in the comments section below.

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Published on January 18, 2019

Best 5 Language Learning Apps to Easily Master a New Language

Best 5 Language Learning Apps to Easily Master a New Language

Learning a new language is no easy feat. While a language instructor is irreplaceable, language learning apps have come to revolutionize a lot of things and it has made language learning much easier. Compared to language learning websites, apps offer a more interactive experience to learn a new language.

The following language learning apps are the top recommended apps for your language learning needs:

1. Duolingo

    Duolingo is a very successful app that merged gamification and language learning. According to Expanded Ramblings, the app now counts with 300 million users.

    Duolingo offers a unique concept, an easy-to-use app and is a great app to accompany your language acquisition journey. The courses are created by native speakers, so this is not data or algorithm-based.

    The app is free and has the upgrade options with Duolingo Plus for $9.99, which are add free lessons. The mobile app offers 25 languages and is popular for English-speaking learners learning other languages.

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    Download the app

    2. HelloTalk

      HelloTalk aims to facilitate speaking practice and eliminate the stresses of a real-time and life conversation. The app allows users to connect to native speakers and has a WhatsApp like chat that imitates its interface.

      There is a perk to this app. The same native speakers available also want to make an even exchange and learn your target language, so engagement is the name of the game.

      What’s more, the app has integrated translation function that bypasses the difficulties of sending a message with a missing word and instead fills in the gap.

      Download the app

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      3. Mindsnacks

        Remember that Duolingo has integrated gamification in language learning? Well, Mindsnacks takes the concept to another level. There is an extensive list of languages available within the app comes with eight to nine games designed to learn grammar, vocabulary listening.

        You will also be able to visualize your progress since the app integrates monitoring capabilities. The layout and interface is nothing short of enjoyable, cheerful and charming.

        Download the app

        4. Busuu

          Bussu is a social language learning app. It is available on the web, Android, and iOS. It currently supports 12 languages and is free.

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          The functionality allows users to learn words, simple dialogues and questions related to the conversations. In addition, the dialogues are recorded by native speakers, which brings you close to the language learning experience.

          When you upgrade, you unlock important features including course materials. The subscription is $17 a month.

          Download the app

          5. Babbel

            Babbel is a subscription-based service founded in 2008. According to LinguaLift, it is a paid cousing of Duolingo. The free version comes with 40 classes, and does not require you to invest any money.

            Each of the classes starts with with a sequential teaching of vocabulary with the help of pictures. The courses are tailor made and adapted to the students’ level, allowing the learning to be adjusted accordingly.

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            If you started learning a language and stopped, Babbel will help you pick up where you started.

            Download the app

            Takeaways

            All the apps recommended are tailored for different needs, whether you’re beginning to learn a language or trying to pick back up one. All of them are designed by real-life native speakers and so provide you with a more concrete learning experience.

            Since these apps are designed to adapt to different kinds of learning styles, do check out which one is the most suitable for you.

            Featured photo credit: Yura Fresh via unsplash.com

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