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We’re living in an age of online … everything. Nowadays, most business and banking transactions are made through our phones, computers, internet-enabled smart devices and on websites. Much of our personal information is “out there” leaving us vulnerable to schemes of scammers and hackers. Consider these suggestions from the Federal Trade Commission (FTC) for fighting fraud.

 Secure your accounts. Use a strong password and enable a two-factor authentication on sensitive accounts like your email and financial accounts.

 Keep your security software, internet browsers, etc. up to date to defend against latest threats.

 Protect the Wi-Fi enabled devices in your home by replacing the default Wi-Fi password and router admin password with a strong password. Encrypt your network to prevent unauthorized access.

 Create a backup copy of your information to the cloud or external device.

  Set your computer and phone to lock when not in use.

  Don’t assume a text from a well know company or organization is legit. Instead, search online for a website and phone number that you know is real. Call them to report the suspicious text and to find out if it was sent by them.           

Scammers often use phony job opportunities and “wrong number” texts to convince you to respond. No matter what reason they give, don’t fall for it.

 Safely delete and report scam texts using your phone’s “report junk” option. You may forward unwanted texts to 7726 (SPAM). Learn more at www.ftc.gov.textscams.  

   If someone stole your personal information, report it. You will find recovery steps at www.IdentityTheft.gov .       

   Even if you don’t lose money in a scam, FTC wants to hear about it. Report in English at www.ReportFraud.ftc.gov  or in Spanish at www.ReporteFraude.ftc.gov .

The Federal Trade Commission offers free materials on hundreds of different scams both in print and online and in multiple languages. Search at www.consumer.ftc.gov. Here you can register for a free, Consumer Alert newsletter.