Steer Clear of Coronavirus Scams

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With the world grappling with a health pandemic, scams are shocking. Regrettably, bad actors are everywhere, always looking for opportunities, and they’re seeing one in the coronavirus. This article outlines what you need to watch out for and how to stay cyber safe.

The last thing you want to read right now is that there’s another threat out there – sorry, but it’s true. Cybercriminals take advantage of fear. They take timely concerns and use them to target victims. Using the anxiety and upheaval around coronavirus is their mission.

So far, several coronavirus-related attempts to cyberscam people have been reported. There are examples of:

  • emails that appear to come from government health departments;
  • offering a tax refund to get people to click on malicious links;
  • memos to staff that appear to come from large employers;
  • COVID-19 test offerings from private companies;
  • fake websites promising to sell face masks or hand sanitizer;
  • soliciting donations to help fund a vaccine.

What to Watch Out For

Another concern is the number of bogus websites registered with names relating to COVID-19. The site can look legit but is set up to steal information or infect the victim’s computer with malware.

You may get an email promising the attached information offers coronavirus safety measures, or information shared by the World Health Organization (WHO) if you click on the link, or a similar email pretending to be from a reputable news source, such as the Wall Street Journal (WSJ).

In another example, an email impersonating a healthcare company’s IT team asked people to register for a seminar “about this deadly virus.” Anyone who didn’t question why IT was organizing the meeting clicked to register. By filling out the form, they gave their details to hackers.

What to Do

Be cautious. It’s understandable that you’re anxious, but don’t let that stop you from taking cyber precautions. You should still:

  • be wary of anything that tries to play on your emotions and urges immediate action;
  • question where emails are coming from – remain vigilant even if the communication appears to come from a reliable source;
  • hover over links before clicking them to see where they will take you – for example, in the WSJ example, the Web address was for the “worldstreetjournal”;
  • avoid downloading anything you didn’t ask for;
  • doubt any deals that sound too good to be true (“a mask that stops the virus 99.7% of the time!”);
  • ignore any communications requesting your personal information;
  • don’t be suckered by fraudulent pleas for charity.

Global health organizations generally do not send out emails with advice. Instead, navigate directly to that reputable health institution for real news.

If you’re still not sure about the validity of the communication, check it out. Do so by calling or using another medium to get in touch with the “source” of the received message.

While there is not yet a vaccine for COVID-19, you can put anti-virus protection on your computer. Also, make sure that you’ve applied all available security updates to keep your software safe.

We hope you’ll take care and stay healthy both physically and online in these tough times.

Need help installing security software and keeping your technology safe? Our cybersecurity experts can give your home a tech immunization. Contact us today at (515)422-1995!

What Is a VPN and Why Do I Need One?

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Ever seen a thriller in which someone asks, “is this a secure line?” The good guys or villains want to be sure their conversations can’t be overhead. When you get a VPN to connect to the Internet, you’re signing up for the online equivalent of a secure line.

VPN stands for virtual private network. Put simply, a VPN connects your computer, smartphone, or tablet to a shared or public network as if you’re connecting to a private network. Banks, governments, and companies use VPNs to connect to their networks remotely. Now, it’s becoming more common for the general public to use VPNs. After all, we’re doing online shopping or banking and exchanging sensitive data. We don’t want others to be able to access or track what we do online.

A VPN is an encrypted connection to the internet. It’s your own secure and private internet connection that you can take with you outside of your home.

Benefits of a VPN

There are many advantages to having a VPN. For instance, your VPN also encrypts your online activity. Every internet user has a unique IP address assigned by their internet provider. It’s sort of the technological equivalent of your fingerprint.

When you connect to the internet using a VPN, your IP address is masked. The address used is that of your VPN provider. So, you look like them rather than your home connection. You might think of the VPN as wearing gloves that prevent you from leaving fingerprints when you move around online.

Your search history isn’t logged. You don’t have to worry about bad actors or advertisers tracking your activity. If you want to check social media at work or on a school campus that blocks certain sites, your VPN lets you do so.

You can use the VPN to access a business network securely, too. So, you can use the technology to be more efficient when working remotely.

A VPN can also help you avoid geo-blocking. What’s geo-blocking? It’s a technology that restricts your access to services based on your location. For example, if you were trying to stream a Netflix show from your home country from overseas, you would be geo-blocked. But if Netflix can’t see you’re out of the country, it will let you in to catch up on your favorites.

You could also save money. When your location isn’t known, you can benefit from price disparities – the cost for the same product varies in different regions. The wealthier areas are charged more because sellers can get away with the price markup.

Who can use a VPN?

Anyone can connect to a VPN. You can connect your computers, phones, or tablets to a VPN. It’s a flexible solution that doesn’t need you to switch internet provider or buy any new equipment.

You can also work with a VPN provider. Some are free, but paid VPN providers tend to offer proven security and greater networking speeds.

Make sure your online traffic is secure. We can set up a safe VPN for you. Give our experts a call at (515)422-1995.

LetMeIn101: How the Bad Guys Get Your Password

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Passwords are essential to your cybersafety. You know it, but if you’re like the rest of the digital society, you probably have dozens of passwords to remember. It’s a lot. So, you might take shortcuts. Taking advantage of your laissez-faire attitude is one way bad guys access your passwords.

Incredibly, there are still people out there using “password” or “123456” in their access credentials. Some people don’t change the default passwords on their devices. So, anyone can pick up a router, look at the sticker identifying the password, and access that network.

Tip: Avoid the obvious passwords! When you have to create a password, make an effort. When it’s time to update a password, do so. Steer clear of simple, easily guessed patterns.

Cybercriminals can also guess your password. With a little bit of research about you online, they can make some informed guesses. Common passwords include pet names, birthdays, and anniversaries. These are all easy to find via your social media accounts.

Tip: Be careful what you share on social media! Don’t befriend strangers, as you are giving them access to a goldmine of info for personalizing an attack on you.

If that doesn’t work, criminals may try brute force. They might script an automation bot to run thousands of password permutations until they get a hit. The software will try a long list of common passwords and run through dictionary words to gain access.

Tip: Use a complex password with numbers, letters, and symbols or a passphrase. A passphrase is typically at least 19 characters long but is more memorable, as it unique to you.

The criminal may also be working with info from a data breach. In early 2019, a security researcher found more than 2.7 billion email/password pairs available on the Dark Web. Criminals accessing that database could use the data as a starting point, as many people duplicate their passwords across accounts.

Tip: Use a unique password for each site. Yes, that’s overwhelming to remember, and that’s also why you should use a password manager to keep track of it all for you.

Criminals can also access your account if you’ve used a hacked public computer. The bad guys may have installed a key logger on the computer. The logger records every key you press on the keyboard. Or they might have compromised a router or server to be able to see your information.

Tip: Be cautious about your online activity on computers or networks you don’t trust.

Of course, there’s one more method of getting your password that we haven’t addressed yet. It’s the familiar phishing attack. For instance, you get an email that looks like it was sent by your bank. Phishing typically has an urgent message and a link that directs you to what looks like a credible page.

Tip: Pay attention to who is sending the email and hover the mouse over the link to see where it goes. If you are concerned about your bank account, for example, open up a browser and type the URL manually rather than clicking the link.

These tips can help you to protect your valuable passwords. Still, setting up a password manager and amping up your internet security can help too. Need support getting ahead of the cybercriminals?

Contact our experts today! Call us at (515)422-1995

How to Get Your Devices to Play Nicely Together: Home Networking Help

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Why can’t we all just get along? You’ve probably thought that before. But the sentiment is also one that goes through our heads when we’re trying to set up home networking. When cables and passwords abound, we can’t help but wish it was easier to get all our devices to play nicely together. Here’s help.

Desktop computers. Laptops. Tablets. Network printers. Routers. Modems. Smartphones. Smart speakers. Media players. Gaming systems. Homes today have many, if not all of these. Each has all sorts of features, and they’d be even more useful if they connected to one another. If only it wasn’t so challenging to get all our devices to relay information between each other reliably.

Home networking can bring so many benefits. You might enjoy:

  • accessing emails on all your devices, wherever you are;
  • surfing the Web using your voice;
  • being able to share files, photos, and other media with any other networked device;
  • viewing a baby photo album from your computer on your Smart TV during a Sweet 16 birthday party;
  • printing from your smartphone or other devices, even when not connected to the device via cable, using AirPrint or Google Cloud Print;
  • backing up all computers in the house to a centralized location via the network;
  • securing your activity on all devices at home with a protected Wi-Fi network.

Yep, all that sounds pretty great, but we’re right back where we started. How do we get our devices to do all that?

What Your Home Network Needs

First, take a moment to imagine connecting all the computers and smart devices in your home via cables. Ack! As if you want more cables snaking around your home! You don’t want to feel as if you’re rooming with Medusa.

So, you’ll be looking into a wireless home network to connect your devices to the internet and each other. That means setting up a modem and a router (we’re assuming you already have an internet service provider).

The modem is what connects your network to the internet. The router connects your devices to each other and to the internet through your modem. The router communicates the wireless signal between your devices and the modem. A gateway option combines the modem and router functions in one device.

If your home is spread out over several floors or square feet, or you have to deal with thick walls, you might have difficulties at home with Wi-Fi dead spots. Great! You’ve made all this effort, and it’s still not working! You could try a mesh network. Instead of making one device do all the signaling, a primary router and many smaller satellites (or nodes) relay the signals with equal power.

Securing Your Home Network

When you get your devices connected, you’ll want to secure your home network. Taking these simple steps helps protect your personal information and prevent cyberattacks.

First, change the default passwords on your modem and router, and choose something more complex than “123456,” “password,” or “letmein.”

You’ll also want to set up a guest network if the router supports it. This allows visitors to access the Wi-Fi without you having to share access to your main network.

Also, rename your Wi-Fi network so that it isn’t obvious that it’s your house. For example, if you live at 920 Hassell Place, you wouldn’t name it 920Hassell. Or, if you’re the Wilsons, don’t name it WilsonNetwork. Don’t make it easy for someone trying to target you to identify which network they are trying to hack.

You like using all your devices, but getting them all networked seems like a headache. Still, once you have a home network set up, you’ll wonder why you waited so long. Don’t put off the convenience any longer. We can help you get all your devices playing together nicely and securely. Contact us today at (515)422-1995!

Is Your Printer an Ink-Sucking Monster?

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How long have you had your home printer? Maybe you have a printer that came as a package deal with your desktop or free with your laptop purchase. Look in many home offices and you’ll probably see a less-expensive inkjet printer sitting beside even the swankiest monitor. Here’s why it’s time for an upgrade.

You should know that printers are often sold at cost or even as a loss leader (below cost to get your business). After all, once you get that cheap/free inkjet printer, you’ll pay for ink cartridges for the life of the printer. To make sure they get your money, manufacturers often sell new printers with half-empty ink cartridges from the start!

You’ve heard “you get what you paid for,” right? Well, that’s definitely true for low-cost printers. Manufacturers are cutting production costs to keep the price down. These printers are not built with longevity in mind. Printer owners encounter all kinds of problems:

  • multiple sheets pulled from the paper tray at once;
  • paper jams;
  • slow printer response;
  • drop off in print quality;
  • ink smearing.

Frustrated customers soon discover they’ll pay more to fix their printer than they would to buy a new one.

Upgrading to an office-grade printer

Our solution? High-performance commercial printers. Office-grade printers are designed as work horses. These robust printers are built to withstand heavy use with speed and reliably. Yes, they cost more, but they are also less prone to problems and more likely to be a long-term valuable addition to your home office.

You’ll have many printer profiles to choose from. You might select a printer based on its pages-per-minute printing speed. Or maybe you want a larger paper tray capacity and bigger ink cartridges. Depending on your needs, you might want a printer that allows for simultaneous operation. That would let one person print while another is able to scan or copy. Built-in Wi-Fi could also be useful in small home offices if you’re tired of tripping over so many unsightly cords.

While you’re in the market for a new printer, know that we recommend laser printers over inkjet. Laser printers use a dry toner rather than wet ink. The toner cartridges are more expensive, but they print more sheets per cartridge than inkjets, plus, toner doesn’t dry up like ink. And you don’t have to worry about the printer heads getting blocked.

Lasers print faster, and you’ll have fewer problems, which means these printers are typically less expensive to operate long-term.

Inkjet printers typically have a minimum life span of three years, whereas you can expect a laser printer to last five years, although this will depend on frequency of use, of course.

When looking at laser printers, give serious thought to whether you need a color printer. How many times do you actually use color? Does it merit the added expense of that option? People who are printing photos at home only occasionally could probably get their images printed professionally for less overall cost.

Prioritize your printer

Even in our increasingly digital world, there are still times when we want to print. Whether it’s a family photo, school report, resume, or slide deck, you want to count on your printer for high quality and reliable performance.

There are many, many office-grade printers to choose from, and it can become overwhelming. What and how much you print should factor into your decision.

Find the printer for your budget that will last long term with help from our experts. Call (515)422-1995.

Is Your Laptop Running Hot and Loud?

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Laptop computers commonly heat up a little in normal operation. Electronic components, including large capacity batteries, become warm in use. Your laptop should never become too hot to handle though.

When a laptop turns hot to the touch or starts to sound like a jet engine, it’s likely beginning to overheat.

Modern laptops use nearly silent fans to cool components and keep the system is comfortable and safe to use. In some cases, the sound the computer makes is the best tool you have to diagnose its running condition. Excessive heat causes the fans to work harder and faster to compensate. This jet engine sound is one of the first clues you have to indicate all may not be well.

Why So Hot

Because of their compact size and portability, laptop computers are particularly prone to overheating problems. Their tiny footprint puts electronic parts closer together, creates less room for cooling vents and adds a heat generating battery which introduces more hot air into the system.

Most laptops have small fans that suck in cool air, passing it over metal fins to exchange heat from the case. The resulting hot air exhaust is expelled through vents back into the room. This process prevents heat building up inside the machine. The constant air cycle keeps the laptop running cool no matter the workload placed on it.

This process can be interrupted by any number of factors during operation. Alongside cool air, computer fans can also suck in dust, stray hairs, even cigarette smoke too. Smoke in particular contains thick tar which coats the fins, fan blades, and internal components.

Foreign debris inside the machine prevents components from working at their best. Tar, dust, and hair slows down the internal fan and coats the heat generating components and cooling fins. This coating prevents air exchange and keeping components warm as if they were under a blanket.

Causes of Overheating

Sometimes the way a laptop is used can cause it to overheat too. Resting a laptop on thick carpets, blankets, or soft furnishings can block vents, preventing the fans from sucking cold air in or blowing hot air out.

Leaving the machine running on carpet or furnishings, particularly for extended periods of time, can cause overheating issues and introduce extra dust into the components too.

The best place to rest a laptop while in use is on a hard surface such as a desk, table, or lap tray. This allows air free access to the vents and helps prevent dust and hairs getting inside the machine.

Overheating Results

As the computer starts running hotter for longer, its fan will attempt to compensate by running faster and more often. This results in the “jet engine” noise many users report when their computer is struggling to keep up.

Unfortunately, once dust, hair, or tar has already found its way into the machine it is notoriously difficult to clean out. The only way to reset the machine to run cool and quiet is to disassemble the base and clean out its components.

Much like a car engine, computer components have a designed temperature range in which they can safely and reliably operate without any issues. Extended periods of running above the temperature they are designed for can cause damage, sudden failures, and drastically shorten the designed lifespan of the computer.

Unlikely Causes

Often times seemingly random blue screen computer crashes can be traced back to components that have been overheating inside the computer. As heat builds up, vulnerable components start to fail, sometimes temporarily, in the hotter temperatures.

By the time the computer is rebooted and cooled down the issue is seemingly resolved. Back in operation, the computer heats up once more and eventually crashes again. These irregular crashes are highly inconvenient and can sometimes cause data loss too.

However, these symptoms are minor compared to a complete write-off of the machine. For some users, the first sign that their machine is too hot to run safely is when the motherboard is burnt out or their data storage has been irreparably lost.

If your laptop is running hot to the touch or has started to sound loud or irregular, bring it to us for a thorough clean out. You can also call us at (515)422-1995

Computer Cleaning for the New Year

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The new year can mean resolutions and promises for a “new you.” One way to start this year feeling more in control is to clean up your computer. Follow these simple steps!

Tackle the inbox

We do a lot of shopping at the end of the year. Whether you shop online or in stores, you’re asked to provide your email address when you buy, which multiplies the number of mailing lists you’re on. Don’t start the new year deluged by unwanted newsletters and advertising emails.

The extra messages in your inbox distract you from the messages that matter. Instead of deleting every new unread message from “Let’s Make Cookies,” click on one and unsubscribe. Usually, there’s a link that lets you do this at the bottom of the email. If you’re a Gmail user, start your effort to cut down on unwanted mail in your Promotions tab. Google’s algorithm sends sales pitches here, so cut messages from this section first.

Clear bookmarks

The internet is built for browsing. We’ve all lost hours to clicking and linking in this vortex of information. “Wait. How did I end up here looking at kittens eating cupcakes?!” To make things easier, we’ll bookmark sites we visit often or put a page we want to return to on a reading list.

By the end of the year, we have marked many sites that we don’t even remember favoriting in the first place. “When was I interested in this?” Getting rid of any bookmarks for passing interests can help you navigate the Web better this year.

In Google Chrome, click on the three dots in the upper-right of your browser window (to the left of your profile icon). The drop-down menu will have a Bookmarks option. Click on this to see another drop-down menu with Bookmark Manager on it. On the next screen every one of your bookmarks will have three dots beside it. Click on this to select the delete option, and get rid of the ones you don’t need any longer.

Safari users can click on Bookmarks on the top menu or the sidebar icon on the tool bar (to the right of the arrows on the left). Then edit your bookmarks by clicking on sites you no longer want and hitting your delete button.

Sort through downloads

We also download a lot of stuff in a year. Sometimes, because we’re impatient or don’t realize we’ve already hit download, we get multiple copies of the same file! A full download folder takes up storage space on your computer and can slow your computer down.

On a Mac, go to the Finder and click on Downloads on the “Go” drop-down menu. You’ll find a folder filled with .pdfs, .docs, and .jpegs you long forgot about. Click on those you don’t need any more and drag them to your trash can.

On Windows, you can usually go to the “This PC” icon and then the “Downloads” Folder. Right-click on the files you don’t want, and choose “Delete.”

Empty trash/recycling bins

Items you put in the trash or recycling bins at home take up space until you take those bins to the curb or the dump, and the same is true of your computer trash or recycling. Empty these bins by selecting “empty trash” on your Mac Finder menu, or “empty recycle bin” after clicking on the bin icon in Windows 10.

Remove unused programs/apps – If you’re not using a program or app, don’t give it computer space. On a Mac, you can click on the icon for that program and drag it to the Trash. With Windows, you’ll open the Start menu, click on Settings, then System, then Apps and Features from the left pane to select what you want to uninstall. Click the uninstall button, and you’ve de-cluttered your computer that little bit more for the new year. If you need help with any of these streamlining measures, let us know. We can help! Call (515)422-1995.

Setup for the Holidays

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The holiday season is here again. TV advertisers have released their festive jingles and stores have dusted off their Christmas displays. Most importantly, shopping centers have moved their latest and greatest devices to the front of the store. It’s almost time to eat warming treats in front of a roaring fire.

There may still be work to do, however, before we can invite round family to unbox their latest gadgets and watch the year’s Christmas movie. A little maintenance, updates, and set-up goes a long way to ensure the holiday season goes without a hitch.

Sadly, not every device is ready to run straight out the box. Not every device even comes ready to interact with others when it’s first opened. Each new gadget comes with its own setup and new things to learn.

Often today, devices, toys and computers require extensive updates before they are ready to function. This commonly means large downloads and lengthy installation periods.

In previous years devices have been purchased for Christmas, only to be rendered useless waiting for updates while large numbers of requests crash the company servers. This can be highly frustrating and put a real dampener on the holiday spirit.

Here is how we can help this season:

Setup New Devices

In the modern day simply purchasing a gadget doesn’t make it ready to use. Often they still need setup, updates, and extra steps to make it safe to access the internet too.

Bring your device to us and we can have it safe and ready to use the second you unbox it. We’ll perform initial setup, get it ready for the network, and install mandatory updates. By the time we’re done, your device will be the first one ready to use. For relevant devices, we can install additional features too. Parental protection, antivirus and security features ready to defend your machine against the latest threats.

Whatever the device we can configure it to the way you want to use it.

Transfer Data and Retire Old Devices

Getting a brand new device can be fun and exciting. Before getting carried away with the latest tech, we must consider what happens to our old data too. Depending on the device there are any number of dangers and pitfalls to think about.

Replacing an ageing laptop or desktop computer with a brand new model, for example, has inherent danger in data storage. These computers typically use hard drive disks to store all their data.

When disposed of improperly, hard drives are vulnerable to being removed and taken. These can often be read and copied by thieves looking to steal your data. Old devices containing data need just as much care and attention as new ones fresh out the box.

There are many cases where individuals have had important records stolen this way. In some cases the information has been used to access accounts, and in others, for blackmail.

Mobile devices typically have some form of data storage too. This may store applications or media that has been bought and paid for; but also data such as records and photographs that hold a great deal of value.

We can help transfer old files and data to your new device and safely dispose of your old one too.

We can ensure that every photograph, video, and bit of data is recovered from your mobile device or laptop so that you never lose a single file. We can securely wipe and even physically destroy old hard drives at your request. We strive to ensure you keep every bit of your old data and not a single byte falls into the wrong hands.

Troubleshooting

It sometimes happens that new technology has moved so fast and changed so much that it doesn’t play well with older devices already installed on your network. Sometimes it seems impossible to even connect certain devices at all.

Often simple configuration changes are all that’s required to introduce two pieces of technology successfully. With the right set of eyes and in knowledgeable hands the most complex of jobs can be turned into a quick fix.

If your goal is for a smooth, fun and relaxing holiday season, give us a call at (515)422-1995 and we’ll get you up and running in time.

Buying Tech in Time for Christmas

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Christmas time is back with us again. The latest devices and gadgets are hitting store shelves just in time to keep up with the rush. Magazines, television, and the web are brimming with advertisements and reviews of the latest tech your money can buy.

Before you rush out to buy the gadgets you’ve been waiting all year for, consider a few important questions before parting with your hard-earned cash.

Does This Technology Do What I need?

First, you must ask what problem you are trying to solve with a new piece of tech. The most important thing to consider is how adopting your new device will improve on what you had before.

In some cases, a sleek new gadget or device for fun is good too.

When you’ve answered this question, you should consider whether there is other tech or competing devices out there that can perform even better.

Should I Become an Early Adopter?

Early adopters are people that anticipate the release of new tech, wait in line on release day, and pride themselves on having the latest gadgets to hit the shelves. If you recognize yourself in this description you are likely to snap up the latest devices the day they are released. This eager anticipation, however, is not always the way to get the best deals or the best gadgets.

Companies often rely on new product hype to give sales an early boost. Waiting for the marketing and hype to subside, even a little, can save you a lot of money.

After initial sales fall, companies often mark down their prices to keep their devices attractive and sales high. When newer, faster, sleeker devices hit the market, companies cut prices to maintain strong sales figures. For the budget smart consumer this is an opportunity for a bargain. A device good enough to buy on launch day is well worth waiting for.

Have I checked The Reviews?

We are fortunate enough to have access to seemingly unlimited amounts of information at our fingertips. Often weeks before a product is released, reviews are available across the web.

One of the best things you can do when considering a new device, particularly a high-cost purchase, is to watch and read a wide variety of product reviews. It pays to be cautious of reviews that are particularly glowing, or too downbeat. Keep an eye out for middle of the road reviews that fairly weigh the pros and cons of each device.

Have I Found the Best Deal?

There are many ways to keep an eye out to make sure you get the best deal on your device. If you can, monitor prices over time to see how they rise and fall to find the best time to purchase.

When purchasing online, many sites include a box to add a coupon code when you are ready to buy. It sometimes pays to jump over to Google and search the website name and ‘coupon’ or ‘voucher’ to find out if there are any good deals on.

A quick search can save you as much as 10, 15, or 20 percent on some purchases. Sometimes companies send out offers to appeal to groups they want to market to. A companies Facebook page may get different offers or vouchers than its Twitter followers or newsletter for example.

It can pay to search around for offers and vouchers to get money off before you checkout. Five minutes work can save huge amounts of cash.

Purchase in Confidence

If you have asked yourself these questions, done all your research, and found the answers you’re looking for then you may well be ready to buy.

You can do so with the confidence that you’ve done all your homework and you’re getting the best deal and gadget for your money.

Keeping Tabs On Children’s App Purchases

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Children today have grown up surrounded by technology their entire lives. Since before they are old enough to read they can pick up a tablet or smartphone and swipe at apps and games with ease. Modern kids have an intuitive understanding and ability with technology that older generations can barely imagine. The abundance of technology, however, comes with a price.

Easy access to any marketplace can be a double-edged sword. The convenience and ease of use is a boost to those of us needing a quick app, but accidental purchases can cause a lot of headaches. One-click online shopping was once one of the biggest dangers our bank account faced. Now, many of us carry multiple devices, each with their own marketplace and app stores.

With modern tech, mobile applications, whether on iOS or Android devices, are easier than ever to buy and download. So simple in fact, that a child could do it.

Designed to Appeal – Children love to download mobile applications that feature their favorite characters, cartoons and TV shows. Advertisements are aimed specifically for children in ways that will invite them to click a link and instantly download a game.

These games are typically free, meaning they don’t require authentication by default before downloading. A new game can be downloaded, installed, and ready to run seconds from clicking an ad.

Developers commonly use, what is known in the business as, a ‘freemium’ model. This means that the game is free to download and start, but inserts paid ‘upgrades’ designed to make the player part with cash.

Freemium Games – Upgrades to games may unlock more levels, purchase an in-game currency, or outfit a character with special attributes. Competitive online games commonly employ a strategy that gives paying players an unfair advantage over ones who don’t pay. This is often referred to as ‘pay-to-win’ and entices players to spend more to get on the same level.

Many mobile-based games are designed purely to encourage in-app purchasing. Some deliberately design a deceptive or tricky user-interface that makes it easy to miss-click or make purchases by accident.

There are regular stories in the news featuring kids spending thousands on in-app purchases for virtual characters. In some cases, children can use real-world money to buy items thinking they are spending in-game currency.

Apps to Help – Of course, it’s unfair to give all applications a lousy name. Many deserve it, but not all apps are guilty of behaving badly. There are fitness apps, productivity apps, and educational apps that can act as useful tools to help enhance your day. Children can get a lot from high-quality applications in the same way educational software for the computer can be a huge classroom boost.

Getting the most out of your phone or tablet is about keeping your device safe against applications designed merely to take your money.

Secure Your Device – The best step you can take to prevent running up enormous app bills is to disable in-app purchases on your devices. This prevents apps from being able to take funds for digital items. The process to do this is simple, takes less than 2 minutes, and can save you huge amounts.

  • On iOS: Enter the settings screen, tap on ‘General’. Then tap on ‘Restrictions’ and tap the ‘Enable restrictions’ option. Make sure to turn “In-App Purchases” off.
  • On Android: Inside the Google Play App: press the phone menu button and go to Settings. Scroll down to “User Controls”, tap on the “Set or Change Pin” option and set a pin that only you will know.
    In the “User Controls” menu check the option to “Use Pin for purchases”. Newer phones may label this pin as a password instead.

Safe Apps – With these options enabled, whether using an iOS or Android device, your phone or tablet is safe from app purchases in any hands.

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