Yesterday morning eBay announced that they had been hacked and customers information such as’ names, addresses, birth dates, and passwords may have been compromised. Even though the passwords were encrypted, the company is advising all customers to change their passwords to be safe.
Protect Yourself and Your Passwords
There is no guarantee that you will never be hacked, but with a few simple precautions you can make it that much harder for criminals to harm you.
Never use personal information in your password. Though you may remember your password easier, do not include your child’s name, a family’s birth date, or your other personal information.
Have different passwords with accounts. With some many online services, it can be so tempting to use the same password. That can put your personal information in danger as
Don’t use a default password. Even with stories of massive cyber attacks, some people still use easy passwords like ‘password’ and ‘1234’ for their accounts. While having something you can remeber is important, you need to be more proactive with creating passwords.
Use two step verification. In addition to logging in with your username and password, two step verification requires that you also give a code that is sent to your phone. Slightly more work, but it can significantly secure your accounts.
So if you have some time today, go ahead and make those changes.
Let’s say you use the phrase ‘eat more foods’. When you swap in numerals and symbols it becomes ’3a+m0r3f00d$’. It looks more complicated, but it’s just as easy to remember as the original phrase.
Beware of Phishing Attacks
Now that personal information is out, you need to be on guard for password phishing. Scammer may contact you through email and ask you to change your password. The link included will most likely take you to a site site that looks just like eBay, but it will be their site.
To make sure you are changing your password on the real site, go to eBay yourself and enter your new password.
Thoughts on Protecting Your Passwords
I’d love to hear from you. How do you keep your passwords safe?
Whenever I get a money question from you guys, I try my best to give some practical solution. Recently I got a money question, but it wasn’t from a reader, it was from a family member who was having a hard time with some medical expenses.
What she is paying out of pocket for her prescriptions right now is killing her already tight budget. I went ahead and tried to find some solutions for her and since I know that far too many people are in a similar boat, I wanted to share what I got here on Couple Money.
Talk with Your Physician
I think the first step you should take is talking with your doctor(s) over your financial situation. I know that it may uncomfortable or embarrassing, but part of your doctor’s responsibility is helping your get the care you need. If you can afford your medicine, you’re more likely to not stay on your regimen which can be more serious complications down the line.
Your doctor may be able to offer solutions that you would have a hard time finding on your own. If you don’t want to make an appointment, go ahead and ask for the doctor to have a phone consultation with you.
Go Generic (if Possible)
Some pharmacies, like Wal-Mart’s $4 prescriptions, have programs that offer low cost generic medications that can significantly lower your costs. Talk it over with your physician and see if generics are the way to go. There are times you can make the switch and not see a difference, other times, your physician will recommend sticking with your brand name medication (that doesn’t mean you can’t still save, see below).
Shop Around for the Best Price
Speaking of pharmacies, prices can vary place to place so shopping around can be rewarding. GoodRx has an app that can do the search quickly and easily for you. It can also find coupons for you which is a nice bonus. Kiplingers included GoodRx as one of their top money savings apps. It’s free and it is available for both Android and Apple phones.
Partnership for Prescription Assistance(PPA)
PPA helps qualifying individuals get the medicines they need by searching for patient assistance programs. You can call them or go to their site and give them a list of the medications you need help with. They do not charge for this service.
Thoughts on Prescription Medicine Discounts
I really hope this helps you or a love one save money on your medication. Please feel free to share this post with anyone who could use it. For those who have gone through this situation, what helped you?