Moneydesks

Digital safety: the library

Passwords and passkeys, phone and SIM safety, home Wi-Fi, backups and ransomware, and safe online shopping.

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In this section (13)

  1. 🔑 Passwords, passkeys and two-step login: a household setupIn 30 seconds: Use a password manager so every account gets its own long password. Turn on passkeys where offered, and an authenticator app or security key…
  2. 📱 Phone and SIM safety: stop SIM swaps and handle a lost phoneIn 30 seconds: Your phone number is a key to your bank, because texted codes go to it. Lock the number at your carrier, move important logins off text codes…
  3. 📶 Home Wi-Fi and smart devices: router setup and public Wi-Fi in 2026In 30 seconds: Change your router’s admin password, use WPA3 or WPA2 encryption, turn off remote management, keep the firmware updated, and put smart gadgets…
  4. 💾 Backups and ransomware: the 3-2-1 rule for a home or small businessIn 30 seconds: Keep three copies of what matters, on two kinds of storage, with one copy away from home. Make at least one copy something ransomware can’t…
  5. 🛒 Safe online shopping: cards, virtual numbers, fake stores and disputesIn 30 seconds: Pay online with a credit card or a phone wallet, not a debit card, gift card or payment-app transfer to a stranger. Check a shop before you…
  6. 📧 Your email is the master key: lock it down and audit its settingsIn 30 seconds: Almost every “forgot password” link lands in your inbox, so whoever controls your email can reach your bank, brokerage and shopping accounts.…
  7. 🎣 Spotting phishing: four fake messages taken apart line by lineIn 30 seconds: Phishing messages copy real companies well, so don’t judge by the logo. Judge by what the message wants: a click, a call, a code, a payment or…
  8. 🚨 Hacked? The first hour, minute by minute, for an account or a computerIn 30 seconds: Work from a device you trust. Secure your email first, then the money accounts, then everything else. If a computer itself may be infected…
  9. 🔄 Software updates and end-of-support devices: what to patch and when to replaceIn 30 seconds: Most updates close security holes that criminals already know about. Turn on automatic updates for every device and app, restart when asked…
  10. 👀 Social media privacy: the settings that matter and the posts that feed scamsIn 30 seconds: What you post publicly can answer your security questions, tell a thief your house is empty, and give a scammer enough of your voice to fake a…
  11. 🗂️ Data brokers and people-search sites: how to get your details removedIn 30 seconds: Data brokers collect your name, addresses, phone numbers, relatives and more, then sell or publish it. If you live in California, one free…
  12. 🧒 Kids and teens online: parental controls, sextortion signs and what to doIn 30 seconds: Parental controls help, but the conversation does more. Set controls on every device, keep accounts private, and tell your child now, before…
  13. 👵 Helping an older relative set up safe tech without taking overIn 30 seconds: The aim is to make scams harder while your relative stays in charge of their own money. In one visit: update the devices, secure the email and…