All posts tagged community outreach

I Know Your Password: CUNA Guest Post

I Know Your Password: CUNA Guest Post

I Know Your Password
by Jim Stickley

When my son was three years old he liked to play a game with me that he called “What’s the password?” This game consisted of him standing in a doorway with his arms stretched out to block access. He then asked me for the password and if I guessed correctly, I was allowed to pass. I am, of course, expected to want to go through this same door dozens of times in a row, each time being forced to answer the challenge. Strangely, there was only one correct response that he would accept to open the gate. That word was “Password.”

At first I found this funny and played along. However, it went on for a couple of months and quite honestly, I started to get concerned. What if my son ends up to be one of those kinds of people–you know, the people who use “qwerty,” “asdfgh,” and “password” as their password. What if instead of creating strong passwords, his password is simply his name backwards, or “admin” for the admin account, or his name for his online account?

Over the past several years I have run across these passwords, or others just as bad, at customer sites. Sometimes I discovered them by taking a stab in the dark, even without a password-cracking tool. And now it seemed my son was on this same destructive path. You can tell your kids not to smoke or do drugs. But how do you tell your three-year-old son he’s on the verge of becoming a password degenerate?

Fortunately my son was young and I had many years left to twist his mind into the paranoid realm I embrace with warm affection. For others, it might be too late. Passwords have always been the strong and weak point of security for both business and personal accounts. Strong passwords generally indicate stronger security, while weak passwords lead to compromise. So why do passwords fail to protect so many users and organizations? To answer that, you have to look at a much bigger picture.

Poorly Designed Passwords

When a password is created without the help of an automated tool, most people choose easy-to-remember passwords. Sometimes it’s the first letter of several words. Or, people use anniversary or birth dates. Although these can be used to create a strong password, more times than not they are done wrong. A person’s name with a date at the end, like Jim1970, will be found by most password crackers. January1970 is equally bad. Sometimes people get creative and change letters such as ‘O’ with the number zero, or letter ‘I’ with the number 1. Although minor changes add a little extra security, they are not recommended and still considered weak.

Strong passwords require a minimum of eight characters, with both upper and lower case letters, at least one or more numbers and, most importantly, at least one unique character such as ! or @. If you follow these simple guidelines, you can be certain your password will be secure. However, just because it’s easy to create a unique strong password doesn’t mean it will be easy to remember. Even worse, if you have several online accounts such as Facebook, Twitter, or Pinterest, each account should have its own unique password. Now you’re stuck trying to remember all these crazy characters for all these different passwords assigned to all these different accounts. Like everyone else, you come up with one good password and use that for every account. Although it’s easier, it puts all your accounts at risk. Let’s say that a hacker discovers the password for one of your accounts. Since most people use the same password for all accounts, the hacker takes the login credentials stolen from the first account and tries them at every other online account he can think of. If your password is the same everywhere, each one of your accounts will be hacked in short order.

Simple Solution

Here’s a trick to create a strong unique password for each online account without having to be a Mensa member to remember them. First, come up with your base password, consisting of seven characters that are both upper and lower case, numbers, and at least one unique character. Ours will be: Jw75T!z. Next go to one of your online accounts—let’s say www.facebook.com. To make your password unique and still be able to remember it, take a portion of the website domain name and add it to your password. For example, take the first three letters of facebook.com and add them to the end of your password. So your password becomes “Jw75T!zfac”. We could also put the domain letters at the beginning of the password: “fac Jw75T!z”. To make it even more unique, reverse those first three letters so “fac” would become “caf” and add those to the end of our password: “Jw75T!zcaf”. Of course you don’t have to use my specific example of the first three characters; you might choose to use the last two or maybe the first and last letter of the domain. Whatever you come up with, use that same criteria for each online account.

Security doesn’t have to be difficult. By following this simple tip, you can ensure that your base password is strong, and you’ll have unique passwords for each online account. Just as important, you can rest easy knowing you’re one of the few who escaped the label of password degenerate.

_________________________________

Jim Stickley is the CTO and Vice President of Strategy & Solutions for TraceSecurity Inc. and is a cyber-security expert with more than 20 years in the industry.. He has been featured in magazines and newspapers including Time magazine, Business Week, Fortune magazine, New York Times and hundreds of other publications. He has also been showcased on numerous television shows including NBC’s Nightly News, CNN’s NewsNight, and is a frequent guest on NBC’s Today Show. He is the author of The Truth about Identity Theft and a co-author of Beautiful Security.

DSEF & CBBB: Warning! Stay Away from Work-At-Home Scams

DSEF & CBBB: Warning! Stay Away from Work-At-Home Scams

Warning! Stay Away from Work-At-Home Scams – Search Profit System & Money Mastery

By America Monge

The BBB cautions consumers to be wary of work at home scams and their too good to be true deals, according to Puget Sound Business Journal.

Two companies in question, Search Profit System and Money Mastery are bad news. Money Mastery promises to pay customers $186 a day, working from home. The other company, Search Profit System claims you can make money using search engines like Google, Yahoo, MSN and Bing. What really happens is that once you sign up, consumers are charged almost $50 in monthly membership fees and canceling the service is very difficult.

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

Free e-book “Business Owner’s Road Map to Success.” It has over 50 pages of techniques for everything a small business owner needs to master, from business planning and ethical selling to a success mindset. It’s all there and it’s free for you. To get it, just “Like” our Facebook Page here: http://on.fb.me/KsIN6P Pass it on!

DSEF & Money Wise Women: Your Money Personality and Self-Employment

DSEF & Money Wise Women: Your Money Personality and Self-Employment

Today’s highlighted post from Money Wi$e Women Get Smart Teleseminar Series (Click here):

Your Money Personality and Self-Employment

Mikelann Valterra is the founding director of the Women’s Earning Institute and is passionately devoted to helping women earn at their potential. She is also the author of Why Women Earn Less: How to Make What You’re Really Worth. She’s a nationally sought after expert on women’s work, money and earning issues. For over a decade, Mikelann has empowered women to overcome self-sabotaging beliefs about wealth, transform their relationship to money, and unlock their earning potential.

DSEF proudly sponsors the free Money Wi$e Women Get Smart Teleseminar Series hosted by Marcia Brixey, Founder and President of Money Wise Women Educational Services and author ofThe Money Therapist: A Woman’s Guide to Creating a Healthy Financial Life. The series covers topics related to business and finances and provides women the opportunity to learn from professional experts in a safe, comfortable environment.

To find out about upcoming teleseminars, visit http://www.moneywisewomengetsmart.com/

DSEF & CBBB: Nickeled and Dimed – Six Things That Used to Be Free

DSEF & CBBB: Nickeled and Dimed – Six Things That Used to Be Free

Nickeled and Dimed – Six Things That Used to Be Free

By Katherine Hutt

“Our free society is turning into a fee society,” says Bankrate.com, a website that (still) offers free rate information to consumers. “Many services and goods that were once freebies now cost money.”

On its blog, the online financial newsletter notes that lots of things – like free checking, hotel pillow chocolates, and free online news – are disappearing from the marketplace. Penn State marketing professor Fred Hurvitz chalks it up to creative price increases. “You can up your basic price and include all of the service as if it’s free,” he notes, “Or you can try to keep the base prices as low as possible — and charge separately for extras.”

No-cost banking is rare, according to Bankrate’s 2011 Checking Account Survey. Even noninterest checking accounts usually are not free, and average account maintenance fees are $4.37 a month, compared to $2.49 just a year earlier. And the average fee for a noncustomer to use a bank’s ATM? A whooping $2.40.

Other small fees that hit hard:

• Most pizza chains are now charging $2-3 for delivery (and, yes, you still need to tip the driver)
• Service station often charge to us the air pumps (which means you are paying for air)
• Snacks, headphones and blankets on airplanes now cost you…even seat selection can come with a fee

For the full story, go to Bankrate.com http://www.bankrate.com/finance/personal-finance/freebies-now-you-pay-for.aspx

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

DSEF & CBBB: 3 Easy Steps to Protect Yourself From Investment Scams

DSEF & CBBB: 3 Easy Steps to Protect Yourself From Investment Scams

3 Easy Steps to Protect Yourself From Investment Scams

By Monica Bradford

When looking to invest your hard earned dollars, take the time to do your homework. Anyone can be a victim of investment fraud. Before considering an investment, ask questions, do your research, and reach out to your local investment firms and advisers.

FINRA Investor Education Foundation, specializes in Investment Fraud and has a plethora of valuable information to help you sort through your next investment decision. FINRA, along with BBB, recommend three key strategies to help distinguish good offers from bad ones:

End the conversation. Practice saying “No.”  Simply tell the person, “I am sorry, I am not interested. Thank you.” Or tell anyone who pressures you, “I never make investing decisions without first consulting my___. I will contact you if I am still interested.” Fill in the blank with whom ever you choose- your spouse, child, investment professional, attorney or accountant. Knowing your exit strategy in advance makes it easier to leave the conversation, even if the pressure starts rising.

Turn the tables and ask questions. A legitimate investment professional must be properly licensed, and his or her firm must be registered with the Financial Industry Regulatory Authority (FINRA), the Securities and Exchange Commission (SEC) or a state securities regulator- depending on the type of business the firm conducts.

Talk to someone first. Be extremely skeptical if the person promoting the deal says, “Don’t tell anyone else about this special deal!” A legitimate investment professional won’t ask you to keep secrets.

Exercising these three key strategies will go a long way when protecting yourself from fraudsters. Remember, the more knowledgeable you are when making investments, the less likely you are to become a victim. When making an investment there’s no urgency to race against the clock – take your time and make an informed decision.

For more information on protecting yourself from investment fraud, visitwww.saveandinvest.org.

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

DSEF & CBBB: Who Called Me? How to Find Out

DSEF & CBBB: Who Called Me? How to Find Out

Who Called Me? How to Find Out

By Holly Doering

When you get a call from an unfamiliar number, call it back and there’s no answer, what do you do? Here is what I do. First, I go to a few websites where you can enter the number that’s bothering you and see if other people know who it is or what they want:

www.whocalled.us
www.800notes.com (for area-code 800 numbers)

You can also Google the number, or run it through an online directory likewww.411.com or www.anywho.com. Use an “area code locater” website to find out what city and state the call is coming from.

Stopping unwanted calls isn’t easy, but legitimate businesses should put you on their internal do not call list if asked. You can also try using a call blocker.  According to the Who Called Us website:

  • Uniden DECT1288 blocks up to 20 numbers, plus Private and Unknown, with the reject tone, without ringing the phone.
  • Panasonic KX-TG106 blocks up to 30 numbers, plus all unidentified callers, with a busy tone, after the phone rings once.
  • JF Teck Caller ID with Ring Controller blocks up to 70 numbers, and can be set to always allow up to 100 to ring through.

If the pests won’t quit calling, you can contact your telephone company and file a complaint with the Federal Trade Commission, which runs the National Do Not Call Registry. You can also complain at the Federal Communications Commission website or by calling 888-225-5322.

Personally, I have found that signing up with the Do Not Call list and switching to an unlisted phone number have drastically reduced the number of nuisance calls made to my family. (Be aware that your status on the Do Not Call list doesn’t prevent alltelemarketing calls—there are exceptions for groups like charities.)

To sign up for the American Do Not Call Registry go to www.donotcall.gov or call 1-888-382-1222 from the phone you wish to register. To sign up for the Canadian Do Not Call List, click here.

 

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

DSEF & CBBB: Happiness is…

DSEF & CBBB: Happiness is…

Happiness is…..

By Carol Odell

Have you ever considered that mind-wandering can affect your happiness? And your productivity?

Matthew Killingsworth discusses his findings from his research study in the article, The Future of Happiness Research in the January-February 2012 Harvard Business Review.

Killingsworth says that our mind wanders nearly half the time and that lowers our mood. We have always heard that we need to feed ourselves positive thoughts. Now, we know why. Right? If we don’t make an effort to be positive we tend to think negative or neutral thoughts, and down goes our mood.

I was floored when I read what Killingsworth says about how much our minds wander. It’s 60% while commuting, 30% when talking to someone and about 50% of our work day! Obviously, we don’t stay focused as much as we think or want.

As managers, employees, spouses, parents, and/or friends, staying focused is important and we need to improve. Killingsworth suggests that when we get up in the morning we should ask ourselves, “What am I going to do with my mind today?”

Reflective listening helps me stay focused when someone is talking. In other words, I rephrase what the person has said, and say it back to him. When I am working or reading, I repeat thoughts out loud or read out loud to stop my mind from wandering.

What do you do? We all need tips to keep focused and happy.

Killingsworth also talks about happiness on the job being more about our moment-to-moment experiences rather than a high salary or a prestigious title. Once again, we are hearing it’s the small things that count.

What are the small things that make a difference in your day or happiness? Pass your thoughts along and you could help make a difference in our happiness, too.

 

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

DSEF & CBBB: Decode Fake Customers’ Reviews Online

DSEF & CBBB: Decode Fake Customers’ Reviews Online

Today’s highlighted blog post from the Council on Better Business Bureaus (CBBB):

Decode Fake Customers’ Reviews Online

By Caitlin Vancas

Consumers researching businesses, products and services may find more than just reliable reviews on the web. Recent research by Cornell University indicates that some feedback is actually planted. Prior to purchasing, don’t be persuaded by phony praise. When searching for real reviews, testimonials and posts, consider the following:

Who?

  • Ideally, reviews will come from actual customers. However, some companies hire writers to place positive reviews on themselves; while others employ staff to post negative, damaging comments on competitors. Search reviewers’ names online. See what other companies they are writing about. If it is limited to one industry only, it is possible that responses are rigged. Be suspicious if customers’ names resemble company officials or brands. In some cases, authors can be verifiably tied to companies they are complimenting. The FTC’s Endorsement and Testimonial Guide requires transparency and disclosure. Be doubtful of overly complex or simple screen names, such as “johnsmith123.”

What?

  • Take a good look at wording and tone. If it is filled with marketing messages, scripted taglines or product plugs, it is most likely from company representatives. Don’t trust overly subjective compliments and puffery, such as “life-changing” and beware of false allegations, insults and disparaging attacks from competitors. Look out for identical phrases or similar verbiage from different users. Cut and paste suspicious sentences into search engines to see what is on other sites.

When?

  • If similar messages and posts were placed around the same month, week or day, allegedly by different reviewers, it is likely a “paid” effort.

Where?

  • Beware if all comments are limited to companies’ blogs or testimonial pages. Don’t just read reviews from one site. Consider numerous sources and always check BBB Business Reviews on www.bbb.org.

Why?

  • Business leaders know that consumers rely on online reviews so it may be tempting to mimic favorable feedback. Read “customer” comments with skepticism.

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

DSEF & CBBB: Watch Your Event Explode When You Use These Three Promotion Paths

DSEF & CBBB: Watch Your Event Explode When You Use These Three Promotion Paths

Today’s highlighted blog post from the Council on Better Business Bureaus (CBBB):

Watch Your Event Explode When You Use These Three Promotion Paths

By Lance Trebesch

TicketPrinting.com and TicketRiver.com’s global customers do such a great job promoting and hosting their events we thought we would share some of their most powerful tips with you.

Today, advertising is a multi-tiered task. Modern event planners need to use all the tools available. After all, you can’t sell tickets if no one knows you have tickets for sale.

Word of Mouth: Before you go viral, go verbal!

  • The Australian music and events PR company Pretty Like Money wanted to sell event tickets to “uni students and urban music lovers” for their recent Hip Hop Halloween. They spread the word that their event would be “a different scene.” Those in search of novelty couldn’t help but get excited about a unique event in the area.
  • In America, Denise Johnson, who coordinated the Alex Johnson Memorial Concert, told us never to overestimate the value of word-of-mouth advertising. She found that she could sell more tickets “one-on-one” than she could through paid advertisements.

Traditional Media: There’s still room for print in a visually- jumbled world.

  • The Swanage and Purbeck Hospitality Association in the UK wanted to promote their village with a comedy festival and our print products helped them spread the word in the area: They used “professional flyers printed and circulated locally plus posters and roadside banners.”
  • In Australia, the Professional Women’s Wrestling Alliance also drums up interest in upcoming matches with printed material. Besides hanging posters, they “hand out fliers to draw the initial attention of the local surrounding areas to where we will be holding events,” combining word-of-mouth with print advertising.

Online Promotions: Share content on your sites and on those of others.

  • Written or videotaped interviews uploaded to allied sites or YouTube work before and after the event. According to UK band Bombskare, “Social media works best,” for spreading the news to their plugged-in fans. They also use QR codes to help bridge the gap from one type of media to another.
  • David  Reynolds of Blue Heron Productions in the U.S. understands that not everyone has the know-how to jumpstart an online campaign. That’s why he encourages the musicians he promotes to help him out: “The younger bands see the benefit of Internet marketing and are generally better at it.” Since his advertising budget is limited, he loves this low-cost, high-tech option for promoting acoustic music.

So use these tips to get the word out, get folks through the door, and watch your event attendance explode!

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.

DSEF & CBBB: To Pin or Not to Pin: Four Ways to Boost Your Social Media Presence

DSEF & CBBB: To Pin or Not to Pin: Four Ways to Boost Your Social Media Presence

Today’s highlighted blog post from the Council on Better Business Bureaus (CBBB):

To Pin or Not to Pin: Four Ways to Boost Your Social Media Presence

By Lance Trebesch

Pinterest is one of the fastest growing social media sites. What’s so great about it? It can help promote your business and services for free. Unlike other social networks, Pinterest has a reputation for sincerity. Sarcasm, irony, and disdain are largely absent from the collections of images that users think are wonderful. Here’s the lowdown on what Pinterest can do.

Follow the Leader
Pinterest lets you follow people, and allows them to follow you back, but instead of following verbal status updates, Pinterest follows images you find interesting.

You can pin images or items onto boards—anything from nail polish colors to pizza to blog articles—to form collections with common themes. If you want input, just change the board setting to allow others to contribute.

Pin Us Together
Not only does Pinterest tell you exactly how to add a “Follow” button on your website (so people can follow you on Pinterest), they also make it very simple to add a “Pin it” button as well. This means Pinterest users can Pin your work to their boards, translating to free exposure.

If you have items for sale, add a price tag to an image and Pin it to your board. It’s like a free online catalog.

4 Ways to Promote with Pinterest

·     Diversify your Pins: The more diverse your pins are, the more viewers you attract, opening up the demographics beyond your business’s current parameters.

·     Combine Business & Personal: Don’t just Pin images directly related to your business: you’ll limit the range of users you can reach. Do Pin images and items that appeal to you. Pinterest interviewed one small business owner who connected to others with similar interests by sharing pins, enabling her to launch the business of her dreams.

·     Pin Often: The Internet provides an endless source of images, so you can keep pinning. Pinterest had 103 million hits in February 2012 alone, which means you’ll have the opportunity to connect with a high number of users.

·     Repin Even More Often: Repinning is a quick and easy way to affirm others’ interests and connect them to your own. Repin images from within the Pinterest site to actively engage with others, and watch your following increase.

DSEF and Council on Better Business Bureaus (CBBB) fosters honest and responsive relationships between businesses and consumers—instilling consumer confidence and advancing a trustworthy marketplace for all.

About the Better Business Bureaus
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visitwww.bbb.org/us for more information.