Identifying Phishing attempts
In modern computer systems the weakest point (from a security perspective) is often times the person sitting at the desk. Tricking the person into opening up their computer can yield the best outcomes for hackers.
Remember it is best security practice not to accept something that is offered to you but instead to go through proper channels to get what you may need. Someone coming to you with an offer of help, especially one you may not have known you needed, is much more likely to have nefarious purposes than if you sought them out yourself.
Think about in the real world. If someone is too eager to offer help you start to wonder what their angle is. Why are they so keen to offer help? Often it is best to ask for help from a stranger than to accept help from someone who is approaching you offering. The odds that you will meet a nefarious character go way up when they are the one choosing to have an interaction with you.
The same concept can apply to computer security.
When a window pops up on your computer announcing that a virus has been detected avoid clicking any links in that window. Instead open your security application directly. If the announcement was legitimate there will be a big fuss there, often time with lots of red.
When someone calls you telling you your bank account has a problem be skeptical. Look up the bank's customer service number, either on their website or the back of your bank card, then call them back. If the original call was legitimate the caller will understand. If they try to get you to stay on the call to resolve the issue immediately using threats and scare tactics to keep you there, they are probably not the real deal.
And anybody that won't take a credit card for payment is scamming you. They may prefer PayPal or some other method, but if they ask you to send them a gift card or anything similar then do not associate with them.
Just like in a real-world exchange, you are much more likely to find the real information if you go looking for it. If you need to download an application, go to a trusted source; most operating systems now have a very good app store with a level of security built in. A link in an email can go just as easily to a website that looks like your bank as it does to your actual bank website.
A good rule of thumb is to reject what is offered without asking, accept what is requested.
But if you still are unsure, go find someone who knows about security.
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