Thursday, January 9, 2025

The Great Digital Purge

 A Brief and Slightly Less Painful Guide to Decluttering Your Digital Life

“Digital Hoard”, © 2025 Eina Schroeder
Photo by Brett Jordan on Unsplash

The Maintenance Plan (aka The Part Everyone Skips):

Wednesday, January 8, 2025

Tripping Through An Identity Theft Crisis

Tech-smart, young, and successful, Chris Anderson never thought it would happen to him. He truly believed he was doing everything right to protect his personal information and walked through life with this strong belief. But one unfortunate morning, his world turned upside down.

“Burn Burn Burn”, © 2025 Eina Schroeder

I know, from personal experience, this is a horrifying situation to be in. Here’s what Chris and I both learned:

The Discovery

A simple text message from his credit card company arrived, asking if he’d just made a $2,000 purchase at an electronics store in Miami. Chris, who lives in Seattle and hadn’t left the city in months, felt his stomach drop. Before he could even respond “NO,” three more alerts pinged his phone — different cards, different charges, all in Miami.

Within hours, Chris discovered the damaging extent of the breach. Someone had:

  • Opened five new credit cards in his name
  • Applied for a personal loan of $25,000
  • Changed the mailing address on several of his existing accounts
  • Filed a tax return using his Social Security number

The Aftermath

“The Credit Plunge”, © 2025 Eina Schroeder

“The next few months were a nightmare,” Chris recalls. His credit score crashed from 780 to 520. He spent numerous hours on the phone with credit card companies, banks, and government agencies. The stress affected his sleep, his work performance, and his relationships. “I felt violated,” he says. “Everything I’d worked for was suddenly at risk, and I had no idea how they’d gotten my information.”

The Investigation

Chris reached out to identity theft specialists to help him. The breach was eventually discovered and was found to have originated through a data leak his local medical clinic suffered a few months back. The thieves had gotten a hold of not just his Social Security number, but also his date of birth, address history, and even his mother’s maiden name — common security questions for financial accounts.

Lessons Learned: Chris’s New Security Protocol

After recovering from the ordeal, Chris developed a comprehensive security system that he wishes he’d implemented sooner. Here’s what he now does to protect his identity:

1. Credit Monitoring and Freezes

“My biggest regret was not having credit freezes in place,” Chris admits. He now:

  • Maintains credit freezes with all three major bureaus, temporarily lifting them only when necessary
  • Uses a credit monitoring service that alerts him to any changes
  • Reviews his credit reports monthly instead of annually

2. Financial Account Security

Chris implemented a new financial security system:

  • Created a separate email address used solely for financial accounts
  • Set up multi-factor authentication on all financial services
  • Uses a password manager to generate and store unique, complex passwords
  • Enabled real-time alerts for all transactions over $1

3. Document and Mail Security

Physical security became a priority:

  • Purchased a cross-cut shredder for all sensitive documents
  • Invested in a fireproof safe for important documents
  • Set up informed delivery with USPS to monitor incoming mail (I absolutely love this service: https://www.usps.com/manage/informed-delivery.htm)
  • Uses a PO box for sensitive mail instead of home delivery

4. Digital Security Measures

Chris strengthened his digital presence:

  • Conducts regular security audits of his online accounts
  • Uses a VPN for all internet activities
  • Keeps separate devices for financial transactions and general browsing
  • Regularly updates all software and security systems

5. Medical Information Protection

Learning from the source of his breach:

  • Maintains a list of all medical providers and regularly audits who has access to his information
  • Requests detailed records of how his medical information is shared
  • Uses a health care proxy service to add an extra layer of verification
“Through The Storm”, © 2025 Eina Schroeder

Recovery Steps That Worked

For those who find themselves in a similar situation, Chris recommends these immediate actions:

  1. File a police report immediately
  2. Contact the FTC and file an identity theft report
  3. Place fraud alerts with all credit bureaus
  4. Document everything in a dedicated notebook or digital file
  5. Set up IRS Identity Protection PIN
  6. Change all passwords and security questions
  7. Contact your bank’s fraud department directly
  8. Monitor your credit reports weekly during recovery

The Silver Lining

“As horrible as the experience was,” Chris reflects, “it taught me valuable lessons about personal security. Now I help others protect themselves before they become victims.”

Chris’s Top Tips for Prevention

  1. Trust your instincts about suspicious activity
  2. Don’t delay in responding to security alerts
  3. Invest in protection services — they’re cheaper than recovery
  4. Regularly update your security measures
  5. Keep detailed records of all financial activity
  6. Be selective about sharing personal information, even with legitimate businesses

Moving Forward

Today, Chris has recovered his credit score and strengthened his financial security. He regularly speaks at community events about identity theft prevention, sharing his story to help others avoid similar experiences.

“Identity theft can happen to anyone,” he warns. “The key is to make it as difficult as possible for thieves and to have systems in place to catch it quickly if it does happen.”

Resources Chris Recommends

Remember: The time to protect your identity is before it’s stolen. Don’t wait for a breach to take action.

I’m open to writing for your site, contributing a guest post, or being interviewed for your content. If you’d ever like to collaborate on anything at all, don’t hesitate to reach out, I’d love to hear from you! For the price of a cup of coffee 🍵, you too can help support cybersecurity education for all. Be a winner in the fight against scammers, show your support, and drop me a line letting me know your thoughts or ideas about future posts you’d like to see.

Tuesday, January 7, 2025

Risk Assessment Fundamentals for Small Businesses

How to get It Right The First Time

It’s a nice, sunny morning and you’re sitting in your office, sipping your third coffee of the day, feeling really good about your small business. Everything’s running smoothly — until Lacey from accounting bursts in to tell you the printer has become sentient and is holding the office supplies hostage. Okay, that’s unlikely. But other business risks? Those are very real.

Let’s turn anxiety into action and “what-ifs” into “here’s-how-we-handle-its.”

“Murphy’s Scroll”, © 2025 Eina Schroeder

Understanding Risk: More Than Just Murphy’s Law

Risk assessment isn’t about being a pessimist; it’s about being a realist with a plan. Think of it as business insurance for your peace of mind. Every business faces risks in four main categories:

Operational Risks: These are the day-to-day gremlins that can disrupt your business. Your star employee winning the lottery and moving to Tahiti? That’s an operational risk. Your key supplier deciding to become a professional YouTuber? Also an operational risk.

Financial Risks: Remember that time you found a $20 bill in your old jeans? This is the opposite. Financial risks include cash flow problems, unpaid invoices, and that client who keeps promising the check is “in the mail.”

Strategic Risks: These are the big-picture threats that can impact your business model. Like opening a typewriter repair shop just as computers became a thing. Not all strategic decisions age like fine wine.

External Risks: These are the factors beyond your control, like natural disasters, economic downturns, or your competitor across the street suddenly offering free puppies with every purchase.

The Three-Step Risk Assessment Dance

Step 1: Identify the Risks Start by listing everything that could go wrong. Yes, everything. No, alien invasion doesn’t count (unless you’re in the tin foil hat business). Look at your business processes, talk to your employees, and consider past incidents. Remember, the goal isn’t to give yourself a panic attack; it’s to be prepared.

Step 2: Analyze and Prioritize Not all risks are created equal. You need to consider both the likelihood of each risk occurring and its potential impact. A meteor striking your office? Low probability, high impact. Your website crashing during a sale? Higher probability, potentially devastating impact. Create a simple matrix rating risks from “Meh” to “Mayday!”

Step 3: Control and Monitor Now comes the fun part: planning how to handle each risk. You have four main options:

  • Avoid it (like declining to store your sensitive data on a server named “HackMePlease”)
  • Transfer it (hello, insurance companies!)
  • Reduce it (through preventive measures and controls)
  • Accept it (for those risks that cost more to prevent than to fix)

Making It Work in the Real World

The key to successful risk assessment is keeping it practical. You don’t need fancy software or a PhD in probability theory. Start with the basics:

Create a simple risk register documenting your identified risks and planned responses. Update it regularly, but don’t obsess over it. Think of it as a living document, not your business’s horror novel.

Involve your team in the process. They often see risks you might miss, like how Dave from IT has been muttering about starting a rival business while hoarding all the good office snacks.

Test your risk responses occasionally. Like fire drills, but for business continuity. And yes, this means actually backing up your data, not just thinking about it.

“Smart and Prepared”, © 2025 Eina Schroeder

The Bottom Line

Risk assessment isn’t about predicting doom and gloom — it’s about being smart and prepared. Think of it as a business survival kit, minus the canned beans and emergency flares (though keeping some snacks in your desk isn’t a bad idea).

Remember, the goal isn’t to eliminate all risks — that’s impossible unless you’re planning to do absolutely nothing (which, ironically, is the riskiest strategy of all). The goal is to understand your risks and have a plan for handling them.

So start assessing those risks today. Your future self will thank you, possibly while dealing with a minor crisis from the comfort of a well-prepared position, rather than running around like a headless chicken in a tornado.

“Chocolate Stash”, © 2025 Eina Schroeder

And hey, if all else fails, at least you’ll have documented evidence to show why you need that emergency chocolate stash in your desk drawer. For risk management purposes, of course.

I’m open to writing for your site, contributing a guest post, or being interviewed for your content. If you’d ever like to collaborate on anything at all, don’t hesitate to reach out, I’d love to hear from you! For the price of a cup of coffee 🍵, you too can help support cybersecurity education for all. Be a winner in the fight against scammers, show your support, and drop me a line letting me know your thoughts or ideas about future posts you’d like to see.

Monday, January 6, 2025

Double Click, Double Trouble

 How to Stay Safe Against the new CAPTCHA Threat

“Suspicious Candy”, © 2025 Eina Schroeder

Remember when your parents told you not to take candy from strangers? Well, the digital world has its own version of suspicious candy – and this time it comes in the form of a seemingly innocent double-click CAPTCHA.

A cunning new cyber trick is making waves in the security world, and it's turning a basic computer action we all know – the humble double-click – into a potential security nightmare. Paulos Yibelo, an Amazon security engineer, recently unveiled this devious twist on an old hacking technique called "clickjacking," and it's definitely worth your attention.

What exactly is clickjacking? Think of it like a digital magic trick, slight of hand and so quick your eye misses it. You think you're clicking on one thing, but you're really clicking on something completely different from what you are expecting. It's like reaching for what you think is a cookie, only to find out you've just signed away your lunch money.

“Double Click Disaster”, © 2025 Eina Schroeder

This new version, called "double-clickjacking," is especially underhanded. Here's how it works: You visit a website, and up pops what looks like a normal CAPTCHA – you know, those little tests that prove you're human. But instead of asking you to identify traffic lights or cute animals, it asks you to double-click a button. Sounds simple enough. Right?

Wrong! Because between your first and second click, these digital magicians slip in lots of nasty surprises. They might load a page that authorizes app permissions, changes your account settings, or even confirms financial transactions. The scariest part? It doesn't matter how long you wait between clicks – the trap is always ready to spring.

The good news is that you can protect yourself. Here's how:

First, treat any double-click CAPTCHA like a red flag. Traditional CAPTCHAs ask you to identify images or type text – they don't usually ask for double-clicks. If you see one, your cyber-spidey senses should start tingling.

Second, stick to websites you trust. Those tempting "Win a Free Vacation!" or "Claim Your Prize!" sites? Perfect breeding grounds for these types of attacks. Think of the internet like a city – there are safe neighborhoods and rough ones. Stay in the safe zones!

Major tech companies like Google, Microsoft, and Apple are already working on solutions to this problem. But until those fixes arrive, it's up to us to stay alert. Keep your computer's security software up to date, whether you're using Windows, Mac, or mobile devices. You always want to stay a step ahead of the digital magician.

In our internet connected world, a single click (or double-click) can have huge negative consequences. Stay sharp, stay skeptical, and when in doubt: don't double-click that CAPTCHA. The best defense against digital trickery is an informed and cautious user – that's you!

So next time you're browsing and encounter a suspicious double-click request, just remember: sometimes the best click is no click at all.

I'm open to writing for your site, contributing a guest post, or being interviewed for your content. If you'd ever like to collaborate on anything at all, don't hesitate to reach out, I'd love to hear from you! For the price of a cup of coffee 🍵, you too can help support cybersecurity education for all. Be a winner in the fight against scammers, show your support, and drop me a line letting me know your thoughts or ideas about future posts you'd like to see.

The Great Digital Purge