For increased security, some banks, such as Bank of America and Chase even offer dual factor authentication by which when you enter your user name and password to access your account, a random password is sent to your smartphone that must be used to gain access your account.  This seems like it would be foolproof, but never underestimate the power of a fool.

Scammers are now calling their victim’s mobile service providers posing as their victim and telling the provider that their victim’s phone has been damaged, lost or replaced and that they need to reactivate their mobile number to a new SIM card in a phone controlled by the criminal.

A SIM card is an integrated circuit that stores information used to authenticate subscribers on smartphones.  Once the SIM cards have been swapped, when the criminal uses the already stolen user name and password to begin the access to the victim’s account, when the bank sends the one time password to access the account, it is sent to the new SIM card in the phone of the criminal.  Better use of security questions before service providers will change SIM cards can help to reduce this risk.

Online banking on your computer or smartphone can be safe if you take the right precautions.  As with so many things, the best place to find a helping hand is at the end of your own arm.

Zombie Repellent! 4-6 oz bottle. A must have for you Walking Dead lovers, a gag gift perhaps but the properties in this spray are not a joke - Rosemary has been discovered to be quite useful in dementia patients during studies done the last few years...juniper berry is a great hangover helper and helps to ward off nightmares, and green chai tea protects against malevolent spirits. This spray can be used as a "no more monster" spray for your child's bad dreams by just spraying around and under the bed to assist in easy sleep. (Lavender also can be used in this way).