Secure connectionSo you think that only a computer whiz can hack into your web connection and spy on you?  Think again.  My husband recently forwarded me a New York Times article ("New Hacking Tools Pose Bigger Threats to Wi-Fi Users"by Kate Murphy) that gave me goose bumps.  I love my little netbook and wireless broadband access card that allows me to access the Internet just about anywhere.  After reading the article, I am starting to wonder about how secure my "secured" wireless network connection really is. 

There is a program that was released in the fall of 2010 which has made it simple to see what other users of an unsecured Wi-Fi network are doing and then log on as them at the sites they visited.  That's the perfect breeding ground for identity theft, one of my hot buttons.  

Ok,  so you think you are safe because this program only works with unsecured Wi-Fi networks.  While password protection makes it maybe a little bit more difficult to break in, thanks to widely available Wi-Fi cracking programs, recovering wireless router passwords can be achieved in a matter of seconds even by  computer illiterate folks.  The programs work by faking legitimate user activity to collect a series of so-called weak keys or clues to the password. The process is wholly automated. 

What can we do to protect ourselves.  Well, for starters, don't use unsecured Wi-Fi connections.  However, as already mentioned, even password protected Wi-Fi networks are not as safe as we would like to believe.  You only know you are shielded from prying eyes if a little lock appears in the corner of your browser or the Web address starts with "https" rather than "http."  Although many websites will encrypt the password you enter to access the site, the browser's cookie, a code  that identifies your computer, your settings on the site or other private information, is often not encrypted, which allows the programs to grab the cookie, giving unwelcome users access to your information and lets them be you on the sites nd have full access to your accounts.  Most websites lack end-to-end encryption, meaning that your cookie info and other info you enter on the site is not protected.  Website developers claim that encrypting all communication would slow down the site and would be a huge engineering expense.  Not sure how much of a speed compromise we would have to suffer, but since the engineering expense seems to be a hurdle, we should not expect a satisfactory solution to this problem any time soon. 

Unless we give up the convenience of the ubiquitous Internet access, we need to take other measures to protect ourselves.  I would highly recommend suscribing to an identity theft protection plan.  Don't wait until you have fallen victim to identity theft.  Like with any protection plan, it excludes pre-existing conditions.  To my knowledge, Prepaid Legal has the only identity theft plan that also includes identity restoration services, which means you are not left to your own demise when it comes to restoring your identity, which in most cases is a frustrating and very time consuming endeavor.  At the ridiculously low monthly cost of as little as $9.95 we can't really afford not to have it.  Like I said, identity theft is one of my hot buttons. 

http://www.amazon.com/dp/B008EF5TH2

 


Freddie Mac HAFA short sale pitfalls
02/05/2011
share
I recently learned that only a total of 661 HAFA short sales closed in 2010. Granted, part of the reason is that Freddie Mac & Fannie Mae did not implement HAFA until August 1, but 661 closed short sales is still a ridiculously low number. Are… more
The amortized loan modification trap
02/02/2011
share
Loan modifications offered under the HAMP program are amortized which cause a great many home owners who are hoping for relief through the program to be disappointed. Many currently have interest only loans and offering to convert the loan to an… more
Between a rock and a hard place - foreclosure rescue scam
01/23/2011
share
I am finding myself in a difficult situation. A friend recently told me about a mutual acquaintance having signed over the deed to her house to a foreclosure prevention company. She paid them $2, 000 and was told to pay a certain sum to them every… more
Loan modification tips
01/11/2011
share
We have all heard and read it more than once or twice: "The banks really don't want to foreclose. " I recently listened to a podcast by an attorney in the Sacramento area and he mentioned that only about 10% of loan applications result in temporary… more
Mortgage Help For Unemployed Through The Home Affordable Unemployment…
07/07/2010
share
Effective July 1, 2010 participating servicers are required to consider eligible borrowers for the Home Affordable Unemployment Program (UP), which grants borrowers a forbearance plan during which regular monthly mortgage payments are reduced or… more
Effect of Freddie Mac HAFA servicer guidelines on Buyer credits
06/15/2010
share
I am in the process of reviewing the new Freddie Mac HAFA guidelines that were just released June 1, 2010. Here is what I found concerning allowable transaction costs. Section D65. 5 (a)(ii) of the Freddie Mac Single-Family Seller/Servicer Guide… more
Tenant Occupied Listings In California- Don't Forget Proper Notice…
11/29/2009
share
Let's face it, listing a tenant occupied property can pose challenges as many tenants are not particularly happy about the prospect of having to move. When I look at the MLS showing instructions for tenant occupied properties, I wonder what… more
"Buyer's Choice Act" (AB 957/Galgiani) Signed into Law - Will It…
10/15/2009
share
Ok, so Governor Arnold Schwarzenegger signed the "Buyer's Choice Act" (AB 957) into law on 10/13/2009. Essentially the passing of AB 957 is intended to stop the widespread practice of dictating which title and escrow company is going to be involved… more
Short sale with PMI twist
06/23/2008
share
I recently closed a short sale that involved private mortgage insurance that was taken out by the lender without the borrower's (my client) knowledge. The problem was that we did not know how the existence of PMI would affect the negotiations and we… more
 
Ute Ferdig - Attorney Short Sale Negotiator (Ferdig Real Estate Solutions)

Ute Ferdig - Attorney Short Sale Negotiator

Auburn, CA

More about me…

Ferdig Real Estate Solutions

Address: 1953 Gina Louise Ln, Newcastle, CA, 95658

Office Phone: (916) 751-1267

Email Me

Sharing real estate related wisdom, stories and jokes.


Links

Archives

RSS 2.0 Feed for this blog

Find CA real estate agents and Auburn real estate on ActiveRain.