4 Internet Security Tips All REALTORS® Should Know
LOUISIANA REALTORS • February 22, 2017
It’s no mystery that there are countless ways for people to access information on the internet. There are entire companies built on monitoring and protecting against identity theft, aisles of software at Best Buy to keep your computer protected, and a variety of businesses making a fortune on restoring lost data. Unfortunately one of the most vulnerable populations for security breaches and data compromises is REALTORS®.
With so much sensitive information on hand, not only theirs, but their clients’ as well, the target on any REALTOR®’s network and devices is a big one. However, with these four best practices for internet and information security, that target can shrink dramatically.
Configure Your Mobile Devices for Security and Keep Them Updated
Mobile is becoming a bigger player in every facet of life, and real estate is no different. Access to information, answers to questions, and a more interactive experience make mobile devices like smartphones and tablets an ideal tool. Leverage these simple security measures on your mobile devices:
- Use all available encryption features.
- Set Bluetooth to “hidden” (or disable).
- Limit the use of third-party apps not developed by reputable companies.
- Look at tools for virus protection, firewall implementation, lost device safety (remote tracking, wiping, and relocation).
Create Strong Passwords and Use Encryption
Creating a password that features letters, numbers, and punctuation, and is at least eight characters long is the best strategy. You should also change your password every 120-180 days (if not more often). Using password management software or opting for a platform to “remember” your password is not ideal. Should a device be lost, stolen or accessed, your passwords can easily be compromised.
For the information stored on your hard drive and server, encryption is a necessity. Encryption transforms information that anyone can read to an unreadable code that can only be translated with the right access and key. So even if someone did compromise your files, the information would be useless to them.
Install and Maintain Anti-Virus Software
Whether you use a Mac or a PC, the latest version of anti-virus software is a must. Protecting your computer and other devices from malware, worms, viruses, and Trojan Horses will limit the amount of exposure you have to potentially harmful files and schemes.
Be Aware of Phishing Attempts
One of the most common internet scams is phishing. This can occur in a number of ways, and while the above mentioned tactics and tools can prevent some of the avenues for which phishing is executed, this can still be a dangerous threat for REALTORS®. “Ghost” accounts, doctored email addresses, and seemingly innocent referrals are all tactics that phishers use. The most effective attempts are disguised to appear legitimate.
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- Email addresses with a familiar name
- Email addresses that seem to be from a reputable company
- Messages disguised as authentic business transactions
It is important to be diligent when you receive any correspondence like the ones mentioned above. Anyone asking for personal information or money on behalf of a company should raise a red flag. Cross reference any communication or email address from someone by researching their contact information, or reach out to them directly. Here are some other measures to prevent phishing attempts in your inbox:
- Check and monitor your email settings. A compromised account will often have an altered “forwarding” setting.
- Maintain and delete any unneeded emails. A regular purge of your inbox lowers the chances of something going unseen or unnoticed until it’s too late. Securely save any important emails.
- Avoid using an unsecured Wi-Fi connection.
- Avoid emailing sensitive information. Use a secure file sharing platform instead.
While technology makes business easier and more efficient, it also presents new challenges and threats. However with some due-diligence, and the right tools and practices in place you can keep your and your clients’ information safe and secure.
From the Louisiana Department of Insurance: During a press conference today with Governor Jeff Landry, Insurance Commissioner Tim Temple announced that registration for the next round of the Louisiana Fortify Homes Program (LFHP) will open at 8 a.m. on Monday, June 1, and will include 3,000 grants. The registration period for this lottery will be open for three weeks, closing at 5 p.m. on Friday, June 19. During the press conference, Gov. Landry signed HB 1187 by Rep. Paul Sawyer, which will allow Louisiana Citizens Property Insurance Corporation to transfer $50 million in additional Katrina bond assessment funds to the LFHP. Combined with the $30 million in funding the program will receive through taxes and fees on insurance entities, the LFHP will receive a total of $80 million this year. “By lowering overall losses, we can reduce insurance and reinsurance costs, draw more insurers into the market, motivate existing companies to write additional policies and lower insurance premiums,” said Commissioner Temple. “That is exactly what the Louisiana Fortify Homes Program is designed to do.” The list of coastal parishes that are eligible to participate is expanding to include Acadia, Jefferson Davis and Lafayette parishes. Additionally, homeowners who live in the portions of Ascension, Calcasieu, Iberia, Livingston, St. Martin, St. Tammany, Tangipahoa and Vermilion parishes that were previously not included in the program will now be eligible to participate. A map showing the full list of eligible parishes is available on FortifyHomes.La.Gov . “Louisiana is the fastest growing state in the country for Fortified roofs, and that growth is not by accident—it is the result of strong support from Governor Landry and legislators like Chairman Talbot, Chairman Firment and Representative Sawyer, targeted program design, and a clear recognition that strengthening homes is one of the most effective ways to reduce insurance losses,” said Commissioner Temple. “At the end of the day, this program is about more than just roofs. It is about protecting families, it is about strengthening communities, and it is about putting Louisiana in a stronger position—both physically and economically—to face the challenges ahead.” To participate in the lottery, homeowners must register during the June registration period. Homeowners who registered for a previous round but were not selected must register again to participate. People who register on the last day of the registration period have the same chance of being selected as those who register on the first day, so there is no need to rush to register as soon as the period opens. When registering, homeowners will need to upload their homestead exemption, insurance policy declarations page that includes wind coverage, and flood insurance declarations page if the residence is in a flood zone. Homeowners who need assistance obtaining a copy of their homestead exemption should contact their parish tax assessor. Homeowners can contact their homeowners and flood insurance companies or agents for a copy of their policy declarations page. Homeowners are required to create a profile in the LFHP system before registering for the lottery and may do so by visiting the LFHP website and clicking the Login button. Homeowners who previously created a profile may use the same one for this and future rounds. Once the lottery registration period closes, the LFHP will randomly select 3,000 participants and send email notifications to registrants about whether they were selected to participate. These selection notices will be sent via email beginning on Monday, June 22. There are several program requirements that homeowners should be aware of before registering. Those interested in the program are encouraged to review eligibility information and frequently asked questions at FortifyHomes.La.Gov to determine whether their home meets the requirements for the program. If selected to participate in the grant program, homeowners will be financially responsible for having the home evaluated by a FORTIFIED-certified Evaluator as well as costs for the roof upgrade including permits, inspections and construction costs beyond the amount of the grant The LFHP provides grants of up to $10,000 for homeowners to upgrade their roofs to standards set by the Insurance Institute for Business & Home Safety. The program helps Louisiana homeowners strengthen their roofs to better withstand hurricane-force winds.
Learn how to lower your debt-to-income ratio before buying a home in Louisiana and why working with an experienced real estate agent can help.
NAR is pleased to share the latest new consumer guide, “Overcoming Roadblocks to a Sale or Purchase,” which helps buyers and sellers prepare for the most common potential pitfalls so their transaction closes smoothly. As a reminder, all guides in this series are available for download—in both English and Spanish—on facts.realtor . Please allow up to two weeks for the Spanish version of the latest resource to be translated and uploaded. For ease of reference, below is a list of the most recent guides: NEW: Overcoming Roadblocks to a Sale or Purchase How Solar Impacts a Real Estate Transaction Navigating Interest Rate Shifts Financing a Renovation When You Buy Staging Your House for a Sale Thank you for your continued engagement with the “Consumer Guide” series and for sharing the resources with prospective clients to ensure they have the information they need to find success in their home buying or selling journey. Remember that these guides are for informational purposes only and are not meant to enact or change any existing NAR policy. On June 3, we’ll have a new consumer guide on unpacking after a move and a refreshed guide in the value of MLS.
