Be safe - Protect your identity

Remember that crooks don't need your card to help run up your bill... just the card number and expiry date. Keep safe. Also, think about the following:

• Consider cancelling unused credit & store cards. Less to worry about being stolen and keeping track of, and less paper statements.
• Consider getting a credit card that uses the new Chip and PIN technology recently introduced in the UK - using a PIN for in-store transactions is much safer than a signature
• When using your card, don't let the card out of your sight if at all possible - this helps protect your card against being 'skimmed' - card details, expiry date and security number being copied.

Common sense applies here:

• Don't use the same PIN for all your cards
• Don't write PINs down, or tell them to anyone
• Be cautious when entering a PIN - who's watching over your shoulder?

• Consider going ex-directory. Contact BT
• Consider getting a SkypeIn number from www.skype.com for a small one-off fee, to protect your main home number, and to screen unwanted calls - Calls get diverted to your PC or to voicemail.
• Register with the Telephone Preference Service. Helps to reduce unwanted marketing calls and junk text messages. Online registration only takes a minute, and is free.

The big one here is the Electoral Roll (controlled by your local council). First off, go to www.192.com, create yourself a free account, then try searching for yourself. You may find that your name, address and number are listed on this site either as a result of the electoral roll, or from a phone book entry. As well as being searchable online, the information on 192.com is available to anyone on a CD.
If you want to be removed, follow the link to 'Privacy policy' and print out their Record Correction form.
When completing the annual electoral roll form, make sure you elect not to have your details made publicly available. More at www.192.com

Imagine if your computer were to be stolen - letters, bank details, personal information, address book and calendar. How much data would you lose?

• Take a backup, and keep it away from your computer
• Password protect your machine if possible, and password-protect sensitive data
• Get yourself a good virus checker and make sure it's up-to-date. We recommend Norton Internet Security, which contains AntiVirus, Anti-spam and a Firewall for maximum protection. Available from Amazon or Dabs.com

• Take care with emails that claim to be from your bank, or from the likes of Ebay or PayPal. There's been much in the news recently on what's known as 'phishing' - fake emails and websites so realistic-looking, that people freely enter personal details. One thing you can do to protect yourself is to cut down on the amount of spam you get - consider getting Cloudmark, an excellent anti-spam solution
• Most viruses are delivered by email, and if you're not protected, you can spread the virus to your friends via your address book, and open your computer to hackers. Get yourself a good virus checker and make sure it's up-to-date. We recommend Norton Internet Security from Amazon or Dabs.com

When your computer connects to the Internet, you open yourself to attack, either by email viruses, downloaded files containing a malicious program, or take-over attempts by other computers. This is especially dangerous for Broadband users who have an always-on connection.

Get yourself a good security application, and make sure you keep it up-to-date. We recommend Norton Internet Security, which contains an AntiVirus program (for files and emails), an anti-spam tool, and a Firewall to stop unwanted instructions. The program should be configured for automatic update, to download the latest virus definitions as soon as possible. Norton is available from Amazon or Dabs.com.

Test your security now: Try the Symantec Security Check

Amazingly, many of us have personal information that's used by banks, sitting on public web pages...

• Registered with Friends Reunited? You could have made it easy for someone to find out your school, place-of-birth and birth year, plus other personal information. Check your listing now at www.friendsreunited.co.uk, and any other similar sites you're registered with
• Family tree? Are you, or anyone you know, working on your family tree? If so, your place of birth and mother's maiden name may be 'out there'
• Try separate websearches using www.google.com for the following, and see what's already out there:
  • Your name
  • Your home and mobile phone numbers
  • Your email address
  • Your postcode

• One password? One of the worst things you can do, is have a single password for all of the Internet sites you're registered with. While banks have very strong security in place, are you sure that the small sites you visit are storing your details safely and securely?
• Make sure your passwords can't be guessed.

If you run a UK website, your details can be publicly available. UK domains are controlled by Nominet. Go to their site and perform a WHOIS search for your domain to see what's on file under 'Registrant' for your site.

If there's something there that shouldn't be - contact your ISP / hosting company and tell them that you want to opt-out. They'll arrange to update the domain name record held by Nominet on your behalf.