Seven Security Rules to Remember to Keep Online Banking Safe

Innocent people who become victims of internet bank account fraudsters can expect to be reimbursed if they have exercised reasonable steps to maintain their account from staying safe. However, it is far easier to try and keep your account as secure as possible in the first place, instead of trying to retrieve your money later.

Follow these seven rules for online security, and you will have a better chance of keeping your funds safe:

  1. Do not use the same password, or a variation of the same password, on different accounts.
  2. Regularly update passwords and change them at least once every year.
  3. Keep your passwords private and do not tell anyone else about your password. And if you must note them down so you would not forget your password, make sure that you disguise them.
  4. Websites such as Twitter and Facebook mean our lives are more open to public analysis than ever before, so think twice before making use of personal information as passwords and take into consideration whether other people may be able to guess a security question from your social media musings.
  5. Keep anti-virus software up to date and be wary of unusual text messages, phone calls, or emails, particularly if they ask for your security information.
  6. Make your password hard to crack by making use of a combination of upper and lower case letters, symbols, and numbers.
  7. Do not use a birthday, name, or obvious words, such as ‘password’. Instead, you may opt to use the first letters of memorable songs, rhymes, or a saying to generate a long password that you would not forget.

See also: 5 Ways to Check If a Website Is Legitimate

Is the ADSL Broadband Right for You?

If you want an affordable broadband, ADSL is one of the cheapest kinds of broadband connection that are available. Here is a guide on how to decide if an ADSL is right for you.

Pros and cons

Widely available in the UKNeeds a working phone line
Quick download speedsSpeeds vary, based on location
Low CostSlower upload speeds

What is ADSL?

ADSL stands for asymmetrical digital subscriber line, which enables broadband to be delivered faster across a copper phone line.

The line is then divided in two with a microfilter: one for your broadband, and one for your phone. This means that the line is never tied up, so you can make calls and use the internet at the same time.

Is it good for you?

ADSL is good if you do not have access to high-speed fibre, or if you are looking for an affordable broadband.

Think about what you will need from your broadband service and use these to check the:

  1. Cost: Examine the total monthly price, including line rental, including one-off costs like setup charges
  2. Speed: This is measured in megabits (Mb) and influences how quickly you can access things online. Consider how you will use your broadband and visit the Ofcom website to check what speeds are available where you live.
  3. Contract length: You could save money by availing a contract of 12 months or more. However, this makes it hard to switch to another supplier.
  4. Download limit: This is estimated in gigabytes (GB) and has an effect on how much you can use the internet each month. Going beyond your limit could mean your speed gets limited, so consider an unlimited package if you use the internet heavily.

What speed can you receive?

ADSL broadband can allow speeds of up to 16 Mbps. However, this differs depending on where you live and your chosen provider.

This is normally enough for streaming HD film and TV. However, if you have several devices connected to your broadband at once, the quality of your connection may suffer.

You will be able to perform file downloads faster than you can upload them with the ADSL broadband, so estimate how regularly you upload files to the internet and whether you need a connection that is faster.

Are you required to have a phone line?

ADSL broadband is provided over the BT phone network, so you will need a working phone line at your home to get the service.

A broadband-only deal could save you money if you do not require inclusive calls with your package. However, you will still have to pay for line rental to receive your broadband.