Protect Yourself with Better Password Management

There's no way around our ever increasing need for more securely storing our online data. It seems that we hear about another data breach just about every day while our list of websites requiring logins continues to grow. Productivity requires more wary processes.

Here are four practical privacy practices to implement now:

• Be password smart. Don't use the same password for everything. Create strong passwords, including uppercase and lowercase letters, spacing, punctuation and symbols whenever possible. Some sources encourage using a sentence as an effective password, but I still encourage incorporating those various elements of uppercase and lowercase letters along with symbols within whatever sentence you utilize. Then, change each password regularly, whether monthly or quarterly.

• Be consistent in where you keep your passwords. You can handwrite them in a book, have them printed out from a spreadsheet, save them in your smartphone's notes or enter them in an online password management app; however, please do not rely on your memory nor leave them written on sticky notes attached to your computer screen. My clients have had great success using Dashlane, Roboform, SplashID, Sticky Password and 1Password, but utilize the option with which you feel most comfortable. If you take the route of using a password management application, feel free to use your email to pull any existing passwords associated with that email and, then, move at whatever pace you prefer uploading others.

• Use two-factor authentication. Since many social media platforms and other tools link your accounts there to your email account, activate two-step verification within whichever email you utilize. When attempting to log into whatever account has two-step verification activated, you'll be texted a code that must be entered to proceed; this gives an extra layer of security to protect your account information and alerts you when someone else tries to login as you.

• Protect your information. Don't over-share on social media, particularly when it comes to announcing when you are traveling, and limit what personal details are posted that can be tracked back to answers you'd give for security questions. Be careful with whom you share passwords, your social security number, your birthdate, credit card numbers and any identifying data. Never send anyone your social security number or credit card information via email.

Do you have preferred options for password management? What steps do you take to protect your privacy and security, particularly for online information? Are there any on this list that you will add to your privacy practices?

February 1st is Change Your Password Day

No matter how diligently you plan for your financial future, chances are pretty good that you put your future at risk every day. If you are like me, you have online accounts that run the gamut, including logins to download music, purchase clothing, pay bills, communicate on social media, share documents or information and much, much more. Back when the Heartbleed security bug exploded in early 2014, we all had to take stock of our online accounts to change passwords for all the infected sites, and I realized how long my list of accounts had gotten. Couple the vast number of accounts with password security ranging from horrible to somewhat mediocre, and our risk is very scary.

According to CNN, half American adults were hacked in 2013 alone, and evidence indicates that situation is not slacking off. Looking at the list of biggest data breaches in 2016, there are some big names that can invoke real fear for those of us dependent on the Internet. A plethora of databases (from the U.S. Department of Justice and Internal Revenue Service to LinkedIn, Yahoo!, Weebly website design, Cisco and Wendy's) are all included. Yes, I did say Wendy's the restaurant chain, and there's no telling what 2017 has in store.

Back in 2012, Gizmodo declared February 1st to be "Change Your Password Day", which I think is a pretty good idea. Using a password manager can increase the security of your passwords by having them created via the technology itself rather than your brain and secures those passwords electronically; however, even if you choose an alternative method for keeping track of all your online accounts, it's probably been awhile since you've refreshed your passwords. Take action today and change your passwords!

How do you keep track of the logins and passwords for all your online accounts? Will you take time today to assign each online account a new, more secure password?

Prepare Your Business For Data Issues

Companies and individuals are more dependent on technology than ever before, and that dependence grows daily. As such, computer viruses, data leaks, system hacks and other technology-related issues can pose real emergencies. While the thought of something bad happening is difficult to consider, it is vital to take steps to protect yourself, your team, your clients and your overall business.

Here are a few items to consider now to support your preparedness when any potential data issues arise:

1. Make sure your business uses a hosted exchange server. Moving your exchange server offsite ensures your company email, calendar sharing and contacts directory will work, even when your physical office space is unavailable. Plus, moving it offsite removes the cost and complexity of managing the hardware yourself.

2. Utilize hosted VoIP for your business' telephone needs. Moving the brains of your phone system to an offsite solution ensures you can still send and receive calls amidst whatever disaster impacts your area, even when your physical office space is unavailable; plus, this ensures you can transfer calls to anywhere at any time, and each team member will receive voice mail messages as emails to whichever email address he or she prefers.

3. Download apps from the web. Applications installed to your computer by a CD or by the manufacturer of your laptop / desktop require manually upgrading to the latest version. Alternatively, using cloud-based software applications will ensure all team members are always working on the latest software from anywhere on any technological device. Plus, this option provides tools that are more reliable and more easily accessible, enabling your business to function from nearly anywhere.

4. Save important information to a cloud storage solution. Both paper and electronic documents can be damaged by natural disasters when saved locally. An onsite server is subject to local emergencies, especially fire and flood. Having vital data saved in one place leaves you susceptible to viruses and "disappearing" content. However, when you choose a cloud storage solution, such as Backblaze, Carbonite, Crash Plan or Mozy, your information is encrypted and saved in several places, making it much safer and more secure. Convert paper documents to an electronic format and, then, store them remotely, making all your information easily accessible AND safe from harm. Here are some items to include:
- insurance policies and contact phone numbers
- business licenses, permits, articles of organization and EIN
- bank account numbers and representatives' contact information
- deeds to properties
- service contracts for all your products / tools and the contact numbers for those overseeing their maintenance
- inventories, both of items in office space as well as items to sell

5. Create and implement a cybersecurity strategy. For my clients, I recommend a consultation with Bianca Montes Jones of justotech; however, no matter with whom you consult, it's important to make sure your company has appropriate virus protection, is not susceptible to hacks and maintains appropriate restrictions for team members' use of the Internet.

A little bit of risk management up front can lead to saving a good deal of money, headaches and heartache over time. Click here for a video overview of steps you can take to prepare your business for potential data issues, and please share successes in the comments.

What steps will you take now to boost your preparedness?