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Six Tips for Keeping your Smartphone Secure

How your device could be just as vulnerable to hackers as your computer. Presented by Member One Federal Credit Union

What’s shiny, contains some of your most precious memories, and is rarely out of sight? No, it’s not your child after being slathered in sunscreen at the beach. It’s your smartphone. You hear about the importance of securing your computer from hackers, but are you aware of how vulnerable your smartphone could be too? In honor of National Cyber Security Awareness Month, we’ve rounded up tips to help keep the sensitive data on your device safe. 

1. Set a personal identification number (PIN) on the lock screen. While it may be more convenient to keep your phone unlocked, setting up a PIN is one of your first lines of defense against fraudsters in the event your phone is lost or stolen. Many devices prompt you to complete this step upon setup. Pick a PIN that’s difficult for a criminal to guess but easy for you to remember. 

2. Make sure your software and apps are up to date.  Many devices will send a push notification when a software, app, or security update is ready to install. When you receive those notices, install them. It’s also a good idea to occasionally visit your phone’s settings to look for any updates you may have missed. 

3. Log out of applications when you’re done using them.  If you access mobile banking, email, social media, or websites that contain personal data with your phone, get in the habit of logging out when you’re done. You’ll be thankful that fraudsters won’t have easy access to your personal information in case your phone is lost, stolen, or hacked. 

4. Understand what apps you’re downloading.  Before installing an app, consider reviews from previous customers and look over the permissions before downloading it onto your device. Try to stick to only downloading apps from the mainstream app stores or from developers that are well-known and have high ratings. 

5. Be cautious about public wireless networks.  As a rule of thumb, never connect to an unknown wireless network. Cybercriminals may set up a network name that looks very similar to one established by a legitimate venue, so it’s best to ask staff for the network name and password. Avoid opening apps or visiting links that contain your personal information while connected to a public network. 

6. Don’t click on suspicious links.  This includes links sent through email or text messages. If it’s an email, flag it as spam or junk. If it’s a text informing you that you’ve won a prize or have a special offer awaiting you, delete it right away. Unless you’ve opted in to receive notifications by text, a legitimate company will typically not contact you with important information this way.

Taking a few simple precautions now to protect the data on your smartphone could mean fewer headaches and heartbreaks if your phone is ever lost, stolen, or hacked. Our smartphones aren’t nearly as precious as our children, but they contain plenty of sensitive data that needs to be secured. 

Join Member One here each month for more money-saving tips and financial advice! Be sure to visit their website, www.memberonefcu.com, for more info on their products and services. Member One Federal Credit Union is federally insured by the National Credit Union Administration.

 

Back to the Basics

At various points during the day, I check Facebook and my email like many of you— my feed flooded with products and programs promising happiness and fulfillment, for a price. The thing is— whether your happiness is temporarily increased by clothes, electronics, or fast food— the high is soon over. It is followed by the heavy burden of guilt over purchasing something you didn’t actually need or the feeling of pure exhaustion after a grease-covered meal.

If you want to take control over subtle influences in your daily routine (and live life just a little lighter) consider the following options:

  1. Live below your means.

    Coupon queens everywhere are about to really hate me, but understand that I do mean well. Stocking up on items you will definitely use with coupons is a fantastic idea— as long as you really do use them. Otherwise you end up with a large amount of food you have to throw out because it expired, and the money you thought you saved becomes money you could have put towards existing debt or a vacation.

    Do some research on minimalism and see what parts of it you can apply to your own life. Minimalism gives less power to the objects that surround us— but it doesn’t take away the meaning of the important things in our lives. Instead, it allows us to consciously choose what is important and why without being bogged down by meaningless objects that hurt our health, relationships, and hold us back from reaching our full potential. Visit www.theminimalists.com to see if you can benefit from any of their suggestions and tailor them to fit your needs!

    Donate items that you don’t use to people who really need them. The obvious choice is Goodwill, but you can also post free items on websites like www.freecycle.org. They have a specific section for Roanoke already, so it is as easy as going on their site, creating an account, and posting what you have to give away.

2. Take charge of your diet.

Organize your kitchen to encourage your family to spend more time cooking, cleaning, and eating healthy. Place items in drawers where they will be convenient to reach when you need them and get rid of extra dishes, cups, and utensils that no longer serve a purpose. When you have more space, your kitchen looks clean and welcoming after a long day of work or running errands. You may even look forward to getting there and spending time with your family rather than waiting in line at McDonalds to pick up dinner.

While we are talking about fast food, it is also important that you try to spend your food budget wisely. Make a list of things you need before you go grocery shopping and stick to that list. We have fallen into a habit in which we place very high value on convenience. Therefore, if it is on an end cap and on sale, we are far more likely to add $3 here and $5 there to our basket without thinking twice about it. Unfortunately, many of those products are not healthy and can include chemicals and preservatives that leave you hungry, tired, and even sick. Commit to the list— accounting for every meal during the week. You’ll save money AND feel better at the end of the day.

61VWkE9iEPL._SX419_BO1,204,203,200_Consider growing your own fruits and vegetables— it’s possible, even in the city! Look into making some of the staples in your pantry by yourself. With a little practice, you can make your own cheese for 1/3 of the store price and bake your own bread for about fifty cents per loaf. No matter how committed you are to the idea of sustainable living, Woman-Powered Farm by Audrey Levatino is a great book to add to your library. From teaching you the basics on raised garden beds and farm animals to operating farm machinery, it is perfect for the woman who wants to become more self-sufficient.

3. Reorganize your schedule

Completely banning electronics from your house is unreasonable, but cutting down on your TV time and opening a book is better for your brain. Get out of the house with your family, or on your own, and hike one of our area’s beautiful trails. See the world around you without a camera phone lens. Choose activities that will inspire you to be a healthier, happier version of yourself. Very often, happiness is just outside of your comfort zone.

Make time for energy-saving activities like hanging clothes on a line or chopping wood for a wood stove this winter. Not only will you stay active, but you will save money on your electric bills. If these ideas are too extreme for you, ease yourself into it. Bike to work or carpool if you can, keep those lights turned off, and set the temperature in your house to a comfortable but reasonable number. Little changes now can make a huge difference over time.

Choose any of these suggestions and tweak them to apply to your circumstances. At the very least, you may find that it is easier to identify the subtle influences that challenge your happiness and follow your own path instead.