Is That Email a Phishing Scheme?

Research has revealed that over half of all users end up opening fraudulent emails and often even fall for them. Phishing is done with the aim of gathering personal information about you, generally related to your finances. The most common reason for the large number of people falling for fraudulent emails is that the phishing attempts are often so well-disguised that they escape the eyes of a busy email reader. Here are a few tips that help you identify whether that email really came from your bank or is another attempt at defrauding you…

1. They are asking for personal information – Remember, no bank or financial institution asks you to share your key personal information via email, or even phone. So, if you get an email where they ask for your ATM PIN or your e-banking password, something’s amiss.

2. The links seem to be fake – Phishing emails always contain links that you are asked to click on. You should verify if the links are genuine. Here are a few things to look for when doing that:

• Spelling – Check for the misspellings in the URL. For example, if your bank’s web address is www.bankofamerica.com, a phishing scheme email could misspell it is www.bankofamarica.com or www.bankofamerica-verification.com

• Disguised URLs – Sometimes, URLs can be disguised…meaning, while they look genuine, they ultimately redirect you to some fraudulent site. You can recognize the actual URL upon a mouse over, or by right clicking on the URL, and selecting the ‘copy hyperlink’ option and pasting the hyperlink on a notepad file. But, NEVER ever, paste the hyperlink directly into your web browser.

• URLs with ‘@’ signs – If you find a URL that has an ‘@’ sign, steer clear of it even if it seems genuine. Browsers ignore URL information that precedes @ sign. That means, the URL www.bankofamerica.com@mysite.net will take you to mysite.net and not to any Bank of America page.

3. Other tell-tale signs – Apart from identifying fake URLs, there are other tell-tale signs that help you identify fraudulent emails. Some of these include:

• Emails where the main message is in the form of an image, which, upon opening, takes you to the malicious URL.

• Another sign is an attachment. Never open attachments from unknown sources as they may contain viruses that can harm your computer and network.

• The message seems to urge you to do something immediately. Scammers often induce a sense of urgency in their emails and threaten you with consequences if you don’t respond. For example, threat of bank account closure if you don’t verify your ATM PIN or e-banking password.

Finally, get a good anti virus/email protection program installed. It can help you by automatically directing spam and junk mail into spam folders and deactivating malicious attachments.

Is your Business Safe from Virtual Threats?

Did you know that 50% of small business owners think their businesses are too small to be targeted by the thieves of the virtual world? Contrary to popular belief, 72% of hacker attacks often happen to smaller firms – firms with less than 100 employees! So how prepared is your SMB? Here’s a checklist to help you find out how vulnerable you are to these attacks.

1. Do you have Antivirus protection? – An antivirus software program can protect you from threats that originate from emails such as phishing and virus attacks. However, the most striking fact is that 61% of small businesses don’t install any antivirus software! If you are one of them, then it’s time to change!

2. How sturdy is your Firewall? – A good firewall system protects your computers from the variety of threats that exist in the virtual world. Examples include harmful cookies, viruses, worms and other such malicious programs used by hackers.

3. Do you use a Spam filter? – Using a simple spam filter for your emails keeps junk out of your inbox. The bonus to having a good spam filter is that your employees save time, as they are not distracted by irrelevant emails, but the major perk here is that the potential virus and phishing threats are lessened as spam emails are unlikely to be opened.

4. Do you do backup your data regularly? – Agreed – backups don’t really protect your data, but they are the only way to recover it if data loss does happen. So, be sure you have a regular and reliable backup plan in place – and it is actually being deployed.

Data loss can prove very costly—especially to SMBs, sometimes even resulting in them having to close down. Prevention is certainly better than a cure in such cases.

Seven ‘Must Haves’ for Your Small Business Website

Your website represents your business and so building and maintaining it need to be of primary concern to you as a business owner. We often find business owners struggling with their websites saying things like: “My website looks great, but I am not able to convert” or “I invested so much into creating my website, but I don’t get many hits.” These things are very common pains faced by businesses, especially small business. If you aren’t sure where to start your site improvement project, this post will get you rolling in the right direction with seven key areas you need to pay attention to when it comes to your website.

1. Content – Make sure your site has a significant amount of content and that the content is relevant and meaningful. Having the right amount of good content adds value and appeals to your target audience. Don’t fill the site with jargon and keywords just for the sake of it, lack of relevant content won’t help you improve your conversion rate.

2. Testimonials – Nothing has more impact on your prospects than them hearing about your product/service from their peers. So make sure your site showcases testimonials from your satisfied customers.

3. Social Media Icons – Social Media, when done correctly, it is a great medium to enhance your brand presence online. Get on popular social media networks and invite your website visitors to join you there – that way they will hear more about you from your fans at the social network.

4. Contact Information – Tell your web visitors how to get in touch with you. They shouldn’t have to search the entire site before knowing how to contact you. Provide your contact information/contact form very clearly for them to use.

5. Tracking – Incorporate a web-site tracker that helps you track the leads that come in from your website. You can use services such as Google Analytics that are free and provide you basic details such as number of hits, location, time spent on pages, etc.

6. Loading Time – Web visitors today have little patience and lots of choices. So, it is important that your site loads quickly, otherwise they move on to the next search result.

7. SEO – Search engine optimization is a key factor in determining the ROI of your website. Make sure your site is optimized for search engines so that it shows up when your prospects search for you.

Has Your Website Been Optimized for Mobile Users?

Did you know that this year there will be more mobile web surfers than stationary ones? That means more prospects are accessing your business website more through their smart phones, tablets or other mobile devices than with a laptop or PC. If you thought you had time to make the switch this year, you may want to reconsider in light of new research. A recent study revealed that around 40% of prospects move on to a competitor if they have a poor mobile experience. How prepared is your business for this change? Well, if you are just starting out, the following checklist will help…

1. Make sure your mobile site is different from your regular website – While you must stick to your branding standards, your mobile website should be simpler than your web version. The reason being is that complicated designs that load well and look good on computers are often distorted when accessed through a mobile device. Plus, mobile surfers don’t really have the time to sift through a lot of content. Bottom line: your website’s mobile friendly version should be short, simple and sweet…offering your viewers the most important and basic sections of your website.

2. Option to access the actual website – That said, do provide your viewers with the option to access your regular website through their mobile device, as some viewers will prefer to stick with what is familiar.

3. Sitemap – Whether it’s your actual website or the mobile version, make sure you have a sitemap in place. A sitemap just makes it easier for your viewers to navigate through the site.

4. Get rid of flash – Most mobile devices don’t support flash. Keep this in mind when optimizing your website for the mobile surfer. Simple images that load fast are your best bet.

5. Testing – Make sure you test your mobile website thoroughly on different operating systems, browsers and devices. What looks good on one device might be totally distorted on another.

You could also develop a mobile application instead of a website, but most SMBs find that option too expensive and complicated. So, for now, put the 5 tips mentioned above into use and get your mobile-friendly website into action…