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In our increasingly digital world, safeguarding yourself from IT security concerns is crucial.

It feels like two or three times a day, there is a report in the media about a company admitting its data was breached and customer information, including passwords, was stolen.

Even large firms or companies such as Facebook, Twitter and Target have admitted to breaches.

The truth is, no organization is immune from these attacks.

What most people need to be told is that you need to protect yourself not only by paying attention, but by carefully managing your various passwords.

We all get emails from UPS, Walmart, Costco and other big retailers, airlines or travel resorts, but are they real?

Cybercriminals are always looking for ways to get your information, steal money or steal your identity. They will create emails that look like they are from your bank, the IRS, a store you shop at, coworkers, relatives, or friends.

These emails will contain links they want you to click so you can enter your information. Unfortunately, once you do that, the damage is done.

Con artists often approach victims in their native language, threaten them with deportation, police arrest and license revocation, among other things.

“These scammers continue to adapt and evolve, and the IRS continues to receive reports of these schemes using multiple languages trying to find victims across the country,” IRS Commissioner John Koskinen said.

On October 1, the landscape of fraud liability for credit card transactions changed significantly. Simply, businesses are now liable for fraudulent charges if or when a customer uses the EMV (Europay, MasterCard & Visa) chip-based card AND fraud still occurs AND that business did not upgrade their payment system.