How to Protect Yourself Online

Just because you access the internet from a cozy home office or living room doesn't mean you're safe. You could even be accessing the internet from your own private island and be vulnerable to internet hackers. In fact, identity thieves are continuously devising new, advanced tactics to get at your credit card and other personal information whenever and wherever you hop online.

But there are things you can do to protect yourself and your family. If you want a more private, secure internet experience (and who doesn't?), follow these three simple steps. They could keep you from becoming one of the 10 million people who fall victim to ID theft each year.

1. Shop safe. Before buying any good or service online, make sure the website is secure and legitimate. You don't want to type in your credit card number on an unencrypted site. Two telltale signs that a site is secure? A lock icon should appear in your browser window, and the URL should begin with "https" (the "s" stands for "secure"). Forgers have been known to recreate these security symbols, which is why it's also a good idea to only shop on reputable sites (for instance, Sears.com is a better choice than Appliances-Ur-Way.com).

2. Beware of phishing. Identity thieves love to play "go fish." They use "bait" (often a scam e-mail asking for personal information) to catch unsuspecting internet users. A phishing e-mail might appear to be from a legitimate company you regularly do business with, like your bank or credit card company. The e-mail often asks you to click on a link to enter some of your account information. Don't fall for it! Instead, contact the supposed sender by phone to verify that they did indeed send the e-mail and need the information it requests. The easiest way to spot phishing is when the URL in the address bar of your browser doesn't match the site you appear to be on.

3. Arm your computer. If you have an outdated web browser or operating system, it's much easier for hackers and viruses to reach you. Make sure you have the latest updates installed for both. Anti-virus and anti-spyware programs are also important, as is putting up a firewall. There are security suites for sale that offer all three, providing comprehensive protection. And remember to encrypt your wireless network if necessary.

Taking these three important steps will provide you with that oasis of internet privacy you're looking for. Without them, you could be swimming with the sharks.

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