Enye ingxelo yakutshanje yabonisa amadoda namabhinqa angama-11 abanjwe ngokuba iimboti zabasetyhini baze bavula amakhadi esikweleti ngamagama abo ngaphandle kolwazi lwabo. Kwakukho amaxhoba angaphezu kwama-70. Uninzi lwezi zinto lwavulwa ngamagama exhoba, kwaye iindleko zenziwa "ngabathengi abagunyazisiweyo" ababekho kwi-akhawunti.
Ukuthotyelwa komthetho okufunyenweyo kulo lonke uphando lwabo kukuba ininzi lala maxhoba liye lahlaziywa okanye lenza isicelo sekhredithi, yaye umqeshwa weziko lemali wayehlala ebeka ityala.
Kwesinye isihlandlo, abantu abangama-45 baba ngamaxhoba olwaphulo lokwabiwa kwezinto ezijolise kwiimali-mboleko. Izigwenxa zazifumene ulwazi lwabaxhoba, kubandakanywa nemihla yokuzalwa, amagama, iinombolo zoKhuseleko loLuntu kunye nokunye. Laba bantu baqokelela ulwazi oluvela kumaxhoba abo, baze bahamba kwi-intanethi baze babolekisa ngegama lomnye umntu. Emva koko, bavula i-akhawunti yebhanki egameni labo baza bafaka imali kule akhawunti.
Abathengi kufuneka:
- Zikhusele kwi-akhawunti yokuthatha i-akhawunti ngokuqwalasela rhoqo iakhawunti zabo, ukukhusela amaphasiwedi kunye nokuchasa iirhafu ezingagunyaziswanga.
- Zikhusele ngokuvala phantsi ityala ngeenkonzo zokuthintela ukweba inkohlakalo okanye ukukhishwa kwekhredithi.
- Khusela amadivaysi abo asetshenzisiweyo kunye nedeskithophu nge-anti -wareware, i-antivirus, i-antiphishing, kunye ne-firewalls.
Kuze kube yilapho sinezixhobo ezihlakaniphile ezikhoyo, ukwebiwa kwezazisi kuya kuqhubeka kusichaphazela.
Kuyimfuneko ukukhusela idatha yakho kwiidivaysi zakho zeDavidi
Xa izixhobo zakho zihlaselwa okanye zilahlekile, idatha yakho iya kubonakala. Akukuphela nje oku kunzima ukujamelana nalo, unokuba yixhoba lobusela besazisi . Oku kuthetha ukuba unokuchitha ixesha elide uzama ukulungisa izinto, unokulahlekelwa yimali eninzi.
UMcAfee kutshanje wenza isifundo apho bekufumanisa ukuba abantu, ngokulinganayo, banalo ulwazi olungama-$ 35,000 olufanelekileyo kwiidivaysi zabo zedijithali xa uqwalasela amaxwebhu, imifanekiso, umculo, amafilimu, iinkonzo, kunye nokunye. Oku kubonisa ukuba kutheni kufuneka ukhuse idatha yakho.
Olunye uphando lubonisa ukuba xa umntu eba lixhoba lokutshitshiswa kobunikazi, kunokuthatha iiyure ezingama-600 ngexesha labo ukulungisa, ngoko ke xa unesiphakamiso samanani, unokuchitha inyanga eziliqela okanye kwimizuzu yexesha ujongene neziphumo. Kukho uphononongo olubonisa ukuba ukuya kuma-25 ekhulwini labantu abaye baba ngamaxhoba obusela besazisi abayi kubuyiselwa ngokupheleleyo. Laba ngabantu abanobusela bezobakho bonke ubomi babo.
Kwabaninzi, imiphumo yobuthakathaka obunokuthi ithetha ukuba balahlekelwe ngumsebenzi wabo, bachithe imali yabo, bachithe umtshato wabo okanye bangabangela uxinzelelo lwengqondo. Kufana nesibetho esiqhubeka siphinda.
Ziziphi iindlela ezisebenzayo zokuzikhusela?
- Sebenzisa ukubethela xa ugcina idatha kwiinkcukacha zakho. Izinto ezifana namanani ekhadi lesikweletu, amaphasiwedi, iinombolo zeelayisenisi zokuqhuba, kunye neentetho zentela zingasetyenziselwa ukweba i-identity.
- Qaphela ngaphambi kokuba uthumele ulwazi kwi-intanethi. Khumbula, oko uthumelayo kuhlala khona ngonaphakade. Ukongezelela, abahlaseli bahlakaniphile xa beza kukumba ulwazi, kwaye bangasebenzisa into elula njengegama lakho inja okanye udade ukuba bafumane ulwazi malunga nawe.
- Yakha amaphasiwedi anamandla. Umgca wokuqala wokuzikhusela kwabahlaseli kukudala amaphasiwedi awanakucinga. Yenzele abalinganiswa ezili-10 ubude, sebenzisa zombini iileta eziphezulu kunye nezantsi, kwaye wongeza amatshwayo kunye namanani.
Ukuhlaziywa kweeNkcazo zakho zeKhadi leMali, iiNkcazo zeMali kunye neeNgxelo zeMatyala
Okona ubuncinci, kufuneka ubuyekeze ingxelo yengxelo yemboleko nganye kwiinyanga ezintathu ukuya ezintandathu. Ukuba ukhethe ukufumana ukukhuselwa kwebabi, oko kungabandakanya ukubeka iliso kwi-credit, ungakwazi ukuphonononga iingxelo zakho ubuncinane kabini ngonyaka. Ukuba unako ukufikelela kwiingxelo zetyala ezingenamkhawulo, kukulungele ukwenza le ntlawulo ngenyanga.
Amakhadi enkoleko anika inani elincinci lokukhusela, njengoko banomgaqo-mboleko wenzuliso nje kuphela xa uphikisa inkokhelo zingakapheli iintsuku ezingama-60. Kodwa ngekhadi yedata, nangona kunjalo, imali eye eyebiwe kunzima ukuyifumana.
Imithetho yeSithili iyanciphisa umthwalo womntu kwi-$ 50 xa kwenzeka ukukhwabanisa kwekhadi lesikweledu, nje kuphela xa bephikisana nentlawulo kwisithuba seentsuku ezingama-60. Ukuba uyayidlulisa, umthwalo wakho unokuba ngumlinganiselo wonke wekhadi. Kodwa ngekhadi lokukhwabanisa, kunjalo, usenokungaqondi ukuba sele yanyanzeliswa kude kube ikhadi lithathwe okanye i-check bounces. Ngaphezu koko, nokuba uyayifumana imali, isela linayo yonke ingcaciso yakho, kwaye iyakwazi ukuqala kwakhona kwakhona ngaphandle kokuba ukhansele i-akhawunti yakho, kunjalo.
Ukugcina le mboleko ye-$ 50, nayiphi na isisulu sokukhwabanisa kwekhadi lokukhwabanisa kufuneka sazise ibhanki yabo zingadlulanga iintsuku ezimbini kwintengiso. Emva koko, uza kuba no-$ 500.
Konke oku kuwela phantsi kwemithetho kuMgaqo-nkqubo we-Federal. Ngokwenene, oku kuthetha ukuba uxanduva lweetyala ezingagunyaziswanga lugqitywa ngokusekelwe kulo lulandelayo:
- Umboleki kufuneka anike isaziso esifike ngexesha. Ukuba awuxeleli ibhanki yakho kwiintsuku ezimbini zeentsuku emva kokubona ukulahleka okanye ukweba, uxanduva lwakho alukwazi ukudlula i-$ 50.
- Ukuba umthengi akanikanga isaziso esifike ngexesha, kwiintsuku ezimbini zoshishino, uxanduva aluyi kudlula i-$ 500.
Ukuzikhusela kwi-Akhawunti entsha yeNkohliso
Unokuzikhusela kwi- fraud entsha ye-akhawunti ngokulandela iiluleko ezifumaneka kwezi zithuba. Oku kubandakanya ukuthatha amanyathelo akhusela ikhomputer yakho, amadivaysi eselula kunye nobunikazi, njengeziqhetseba zobuqhetseba kunye nekhredithi.
Kwakhona kufuneka uqwalasele ukuthenga ukukhuselwa kwezazisi, eziza kubeka iliso lakho ngetyala kwiireki okanye imibuzo eyenziweyo ngababoleki ngaphambili (okanye emva) ukuvula i-akhawunti entsha. Qinisekisa ukuba umnikeli okhethiweyo uthabatha ixesha lokubeka i-intanethi ngolwazi ukuba amaseva angabonakalisa ukuvula i-akhawunti egameni lakho.
Ngaphandle kwesi sikhangiso kwimisebenzi yakho yekhredithi, awuyi kukwazi ukuba i-akhawunti entsha ivulekile kude kube sekwephuzile.
Ukuzikhusela Kwi-Akhawunti Yokukhwabanisa Iakhawunti
Amaxhoba e-akhawunti ayithatha xa efumanisa ukuba kukho iirhafu ezingagunyaziswanga kwiimali zabo zenyanga zemali, okanye ziyabona ukuba imali ichithwe kwii-akhawunti zabo. Ngoko ke, kufuneka uhlole ikhadi lakho lesikweletu kunye neengxelo zezimali rhoqo kwaye uqaphele zonke iingxelo zakho zemali. Landela le ngcebiso apha, kuquka ukukhusela kokubakho ubuni kunye nekhompyutheni yakho, njengeziqhetseba zobuqhetseba kunye nekhredithi. Kwakhona, kufuneka uqikelele ukutshala imali kwinkonzo yokukhusela inkohlakalo.
Ukuzikhusela kwi-Debit okanye ngeKhadi leKhadi leNkohlakalo
Ukukhwabanisa kwamakhadi kunye nekhredithi yindlela yokuthatha i-akhawunti , ngoko kufuneka uthathe amanyathelo okuzikhusela ngokwenza izinto ezifana nokuphonononga izitatimende ze-intanethi nokukhangela nayiphi na iindleko ezingagunyazisiyo ngokukhawuleza. Kwakhona, yenza oku kulandelayo:
- Gwema ukusebenzisa ikhadi lokukhwabanisa xa wenza ukuthenga kwansuku zonke.
- Sebenzisa amakhadi ekwerethi ukuba unako ukutshekisha iindleko rhoqo.
- Ukuchasa nayiphi na iindleko ezingagunyaziswanga ngokukhawuleza. Khumbula, unokuphela kweentsuku ezimbini kunye namakhadi okutsalwa.
- Landela iingcebiso ezinikezelwe kule ndawo ukuze uzikhusele xa uthengela i-intanethi kwaye ukhusela iikhomputha yakho kunye nezixhobo zeselula.
Ukuzikhusela Kubuqhetseba
I-SEC, okanye i-Securities and Exchange Exchange, inikeza iziphakamiso ezilandelayo zokuzikhusela kumkhwabaniso:
- Khangela kuyo yonke into, kungakhathaliseki ukuba uyamthemba kangakanani na ozisa ithuba lokutshala imali kuwe. Ungalokothi wenze nayiphi na imali-mali eyenziwe kuphela kwisinconywa somntu osuka kwintlangano, isizwe okanye unqulo olunalo. Endaweni yoko, qiniseka ukuba uthathe ixesha lokuphanda ithuba elipheleleyo, kwaye khangela ukuba inyaniso ngayiphi na into oxelelwa ngayo ngokutshala imali ngokwenene. Gcina ukhumbule ukuba umntu onokukuxelela ngotyalo-mali mhlawumbi wayekhohlisiwe ekukholweni oku kukutyalo olukhulu xa kungenjalo.
- Musa ukuwa naluphi na utyalo-mali oluvakalayo kakhulu ukuba lunyaniseke okanye lunikeza ukubuyiswa okuqinisekileyo. Khumbula, ukuba kukhangeleka ukuba kunyaniseke, akunakwenzeka. Kwakhona, kuba yimpembelelo nayiphi na imali-mali ukuba amabango angenazo ingozi. Kunqabile kakhulu ukufumana utyalo-mali-mali. Eyona mbuyiselo enkulu, i-riskier utyalo-mali, ngoko ke isithembiso seenzuzo eziphezulu kunye nokukhawuleza ezingekho mngcipheko ngumqondiso weklasi wobuqhetseba.
- Yiba nexhala kakhulu nayiphi na imali-mali enganikwa yona ngokubhaliweyo. Abaqhetseba baya kuthintela ukubeka nayiphi na ingcaciso yokutyalomali ngokubhaliweyo, kodwa amathuba okutyalo-mali asemthethweni ahlala ebhaliweyo. Kwakhona, thintela utyalo-mali xa umntu ekutshela ukuba abanalo ixesha lokunciphisa utyalo-mali ukubhala. Kufuneka unokukrokra xa umntu ekuxelela ukuba kufuneka ugcine ithuba eliyimfihlo.
- Musa ukuziva uxinzelelo okanye ukhawuleze ukuthenga utyalo-mali. Kunoko, thatha ixesha lokucinga ngalo kwaye uphando ngokutyalomali. Kungenxa yokuba umntu owaziyo wenza imali, okanye nokuba namabango enze enye kunye notyalo-mali, akuthethi ukuba nawe uya kuthanda. Kufuneka kwakhona ube nokungathembeki kotyalo-mali obiza ukuba 'ithuba lokuphila ngexesha elilodwa.' Oku kubaluleke kakhulu xa isincomo sisekelwe kumfihlo okanye 'ngaphakathi' ngolwazi.
Abantu ababi basebenzisa i-intanethi ngaphezu kwanini na ukujolisa kwixhoba ngamagosa e-spam. Ukuba ufumana i-imeyile evela kumntu ongaziyo ukuba ufumana ithuba lokutyalomali, uyiphakamise uphinde uthumele i-imeyile kwi-SEC kwi-compliance@sec.gov .
Uninzi lwabantu abanakho izixhobo, ixesha, okanye ulwazi ukukhusela i-identity from scammers. Akunakwenzeka ukuthintela ukwebiwa kobuqhetseba okanye ukukhwabanisa, kungenxa yoko kufuneka uthathe amanyathelo okuzikhusela.