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1.��Multifactor authentication and unique passwords

Multifactor authentication combines two or more independent credentials for greater safety. For example, a password plus a mobile device or security token. It can include biometric verification or you can use biometric (e.g., face recognition) alone.

Use passwords unique to every platform (social media, bank, e-mail, etc.). In addition:

• Don’t allow auto-save of passwords
• The strongest passwords are “pass phrases”—a long phrase that’s easy to remember but hard to guess. For example: “car train knob boot snack” would be meaningful to you but hard for a hacker to guess. Change passwords regularly—at least every 3 to 6 months

A trusted secure password manager allows you to access dozens of websites and apps with a single password despite having different usernames and passwords for each account.

2.��Secure your networks

When setting up your home or business Internet, first change the default administrator password of the device controlling your wireless network. Creating a strong password prevents others from connecting.

Second, enable encryption on your Wi-Fi router, preferably WPA2, which ensures online activity in your network is encrypted.

Finally, only allow people you trust to connect to your wireless network.

3.��Harden your devices

To harden your devices and reduce vulnerabilities:

• Only install applications from trusted sources such as app stores or known websites.
• Delete applications you no longer need or don’t know the origin of
• Keep all applications and operating systems up to date
• Install anti-malware software and keep it up to date
• Don’t plug suspicious USB devices such as flash drives into your computer
• Use your cell phone rather than public Wi-Fi when on the go

4. Back up important files

Back up files regularly—automatically to a secure cloud and manually to an encrypted external hard drive. These files can include:

• Family photos
• Financial records
• Other important documents

5.��Be alert to social engineering

Social engineering is when criminals convince you to provide personal or financial information under false pretenses, either by posing as someone else or preying on your emotions.

You want to be especially careful about clicking on unusual links online. And if you receive a phone call from someone and feel suspicious about it, pause and tell them you’ll call them back. You can then use a phone number you know and have on file to validate them and any request they may have made.