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Submission: On October 02 via manual from IN — Scanned from DE
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Skip to main content Claim your account Set up your benefit account Switch to business Log in Retirement & Wealth Automatic Rollover IRA Invest in your future by claiming your retirement account from a former employer. Self-Directed IRA Customize your portfolio with traditional and alternative investments within a self-directed IRA. 1031 Exchange Defer taxes on your next real estate investment property. How did my savings get there? We’ll help you every step of the way to reconnect with your rolled over retirement savings. Claim your account Health & Benefits Health Savings Accounts (HSA) Hassle-free HSAs help pay for eligible health care expenses and grow long-term savings with triple tax advantages. Health Care FSA Health care FSAs cover eligible costs while reducing your taxable income. Dependent Care FSA Support your family with reimbursement for eligible child and dependent care expenses. 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Our Mission Discover our commitment to pursuing better outcomes for all Our Leadership Meet the leaders driving our shared vision Careers Pave your path to success in a people-centric company News & Events Stay connected with webinars, conferences, and company updates Contact Article NINE WAYS TO BOOST YOUR ONLINE SECURITY TODAY By Katie Levene May 14, 2024 Security LinkedIn X Facebook Copy link As we interact with our accounts more online, safeguarding our financial accounts becomes increasingly important. Feeling unsure where to begin? You're not alone. Despite the widespread understanding that unique passwords enhance security, a staggering 45% of internet users admit to reusing passwords, according to YouGov. To kickstart your journey towards better security, we've created a list of nine actionable steps you can take right now to protect your accounts. While there are more strategies beyond this list, starting the process today can help ensure a better financial future tomorrow. Let's get started toward securing your online accounts. TIPS TO STAY SAFE ONLINE 1. Check for data breaches 2. Revamp passwords 3. Update usernames 4. Consider new security questions 5. Implement 2FA/MFA 6. Monitor accounts with alerts 7. Install antivirus and use a virtual private network (VPN) 8. Avoid public Wi-Fi 9. Freeze your credit CHECK FOR DATA BREACHES It can be a good idea to check the current status of your personal information. There are several free services available that you can use to find if your online presence has been compromised. Additionally, some password managers automatically scan the passwords you store in them against databases that contain compromised credentials. They often reference a site called "Have I Been Pwned.” You can also search “Have I Been Pwned” for free to determine where, when, and what information was exposed, enabling you to act quickly if needed. REVAMP PASSWORDS Take this opportunity to replace existing passwords with unique, strong passwords, or passphrases (a combination of words and symbols). Begin with critical financial accounts like your bank account, retirement account, or health savings account (HSA). Password managers can simplify this process by securely storing credentials and automatically filling them in during logins. UPDATE USERNAMES Treat usernames as secondary passwords. Avoid using identifiable, personal information like your name, date of birth, email address, or common combinations of that information, especially for financial accounts. For example, George Washington should stay away from usernames like gwashington, georgew, gwash1776, etc. You can also make usernames unique for each of your accounts — potentially adding an extra layer between thieves and your financial information. SECURITY QUESTIONS Sometimes, answers to security questions are readily available online. Exercise caution when selecting answers to common security questions. You should be the only one who can gain access to your personal data. Information like your mother's maiden name or first pet's name, often used as security answers, often can be easily found on social media. Some experts suggest providing false, but memorable, answers to enhance security. IMPLEMENT TWO-FACTOR AUTHENTICATION (2FA) OR MULTI-FACTOR AUTHENTICATION (MFA) Enabling 2FA/MFA can add an extra layer of security by requiring a one-time secondary code, typically sent via text, email or within an authenticator app, alongside your password during login. This provides additional protection compared to answering security questions to access your accounts. Even if your password is compromised, a thief is less likely to be able to input the secondary code. Note: Do not give that secondary code to anyone. Your financial institution will not ask you for that code. MONITOR ACCOUNTS WITH AUTOMATED ALERTS Set up automated alerts on your financial accounts to promptly detect and respond to suspicious activities. Real-time fraud alerts via text or email, along with purchase notifications, provide invaluable oversight. Regularly monitor all your accounts for signs of fraudulent activity. Many times, prompt reporting of any suspicious transactions is crucial for qualifying for reimbursement in cases of fraud. INSTALL ANTIVIRUS SOFTWARE AND USE A VPN Protect all your devices, including smartphones, by installing reputable antivirus software. Remember to do your research before selecting any antivirus service to be certain it can adequately protect the device you are buying it for. Make sure your antivirus software is regularly active and checking your security status. The sooner it finds a threat, the quicker you can get your device more secure again. Also, you can use a virtual private network (VPN) to encrypt your online traffic for enhanced privacy and security. AVOID PUBLIC WI-FI A commonly ignored internet safety tip is the use of public Wi-Fi. Steer clear of connecting to public Wi-Fi networks, which pose significant risks. Since anyone can join a public network, you cannot be sure who has access to your data. Hackers can intercept your data through something called a “man-in-the-middle-attack” by setting up a fake network that looks very similar to common public networks. Instead, use secure connections, such as personal hotspots or mobile data, to safeguard your sensitive information. FREEZE YOUR CREDIT Consider a credit freeze to restrict unauthorized access to your credit report. This measure prevents identity thieves from opening new accounts in your name. You can temporarily lift the freeze when needed by contacting the credit reporting agencies. HOW INSPIRA FINANCIAL FITS IN Like your other financial institutions, we encourage our accountholders to stay vigilant by implementing the tips above. You can read more about how Inspira keeps your information safe on our security page. If you ever notice something unusual on your Inspira account, give us a call. We’re happy to help. EXPLORE MORE RESOURCES Article Basics of tax-deferred 1031 exchanges We’ll provide an overview of some of the most fundamental 1031 exchange rules and concepts, as well as to clarify some common misconceptions Article Rules for identification and receipt of replacement property in 1031 exchanges Understanding the rules for identification in a 1031 exchange are essential for ensuring you are on track for a valid 1031 exchange. Article 1031 exchange rules for vacation homes, primary residences, and mixed-use properties A variety of circumstances must be considered when exchanging property that may have been or will be a principal residence or vacation home. 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