Andrew writes, “It seems like every week there’s another scary news story about a big bank or a major company getting hacked. Is there any way to safely shop online, or should I just stay off the internet altogether?”

You’re right, Andrew, there have been a few pretty severe hacks of some large corporations recently. Unfortunately, we probably haven’t seen the last of them. But here’s the thing: staying off the internet probably won’t help you at all.

Image credit: Sean MacEntee / Flickr

Most of the businesses that have been hacked lately were retail stores, and the people affected were those who had shopped in the stores’ brick and mortar locations, not online. Hackers found their way into the companies’ servers, and were able to skim credit card numbers as they were scanned into the database.

Banks similarly store your information in databases that are connected to the internet. While they take security precautions, those defenses are sometimes compromised by hacking groups that have become more organized and sophisticated.

You see, Andrew, you don’t even have to be online for businesses or banks to store your information online.

All of this can understandably seem pretty scary. Luckily there are systems in place to protect you if your information is stolen. The Federal Deposit Insurance Corporation, or FDIC, says that customers can only be held responsible for a maximum of $50 for a fraudulent transaction, provided they report it to their bank or credit card company quickly. In fact, most credit card companies will rarely hold someone responsible for any fraudulent charges on their card, as long as they report those charges in a timely manner.

The trick is to keep an eye on your bank account and credit card statements. Be on the lookout for transactions you don’t remember making. Remember, the sooner your report a fraudulent transaction, the more likely you are to get all of your money back.

It really is okay to shop online, just as long as you use some common sense. For example, only give your credit card information to reputable online retailers. And make sure you use good, unique passwords. Like we’ve said before, long passwords of 15 characters or more are best. You should also avoid using easily guessable names or words for passwords. Have different passwords for different websites, especially the important ones like your bank, your favorite online store and your primary email account. We also recommend using a password manager like LastPass or DashLane.

Stay safe, and happy shopping!

Photo Credit: “Credit Cards” by Sean MacEntee is used under CC BY 2.0.

If Google can do it, we can too! The title of this episode is this GIF.

This week the guys geek out over Tesla adding an autopilot feature to their electric cars, mourn the death of TigerDirect retail stores, and wonder if they can follow in Google’s footsteps and communicate purely through GIFs. Plus, Ray shares his thoughts on the Cogito smartwatch.

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This Week’s Run Down

Tesla Announces Software Update for Cars Which Adds “Autopilot” Feature

Tesla CEO Elon Musk held a press conference this week at which he announced that late model Teslas will be getting a software update that will give them a new feature called ‘autopilot.’ The autopilot feature will bring ordinary Tesla electric cars that much closer to being self-driving, enabling them to stay in their lane on a well-marked highway without driver intervention. Musk claimed that the autopilot technology would enable to a driver to make it from San Francisco to Seattle without steering.

Musk also announced a feature called Range Assurance which will alert Tesla drivers when the charge in their car is getting too low to make it to the nearest charging station.

$10 Million Target Credit Card Data Breach Settlement Gets Preliminary Approval

You probably remember the massive data breach that hit Target during the 2013 holiday season where tens of millions of credit cards were stolen right out of their systems. A class action lawsuit was filed and now Target is preparing to settle? for $10 million dollars.

If that amount seems low to you, it is because Target is not going to do the usual thing and send five dollars to every customer whose card number was stolen. Instead, card holders can only be reimbursed if they can show that they were actually hurt by the data breach. They need to have had fraudulent charges placed on their card that they were not reimbursed for, that negatively affected their credit score, or show that they spent a lot of time and money resolving the problem, or that it harmed them in some other way.

The proposed settlement is only preliminary, and members of the class action suit have until November 10th to object.

RadioShack Puts Customer Data Up for Sale in Bankruptcy Auction

RadioShack is on the auction block this week as its creditors attempt to sell the company?s assets – this apparently includes a large chunk of customer data, including 65 million customer names and physical addresses and 13 million email addresses. Consumer advocates are concerned, and Texas Attorney General Ken Paxton claims it may be illegal under state law. Texas does not allow companies to violate their own privacy policies and signage in RadioShack promises that they will not sell their private mailing list.

AT&T is also opposing the sale of data because they say RadioShack is not entitled to personal information it collects from wireless sales. AT&T wants the data destroyed to keep it from falling into competitors hands.

A bankruptcy court still has to approve the deal.

TigerDirect Closing Retail Stores

Speaking of defunct electronic stores, remember Circuit City… CompUSA… Ultimate Electronics? Well, TigerDirect bought them in the late aughts. Well, now TigerDirect is joining them in the electronic retail store afterlife. Two of the former executives for TigerDirect were recently sentenced to 60 and 80 months in jail for a kickback scheme that cost the company $27 million. Apparently that hurt the company enough that the company decided to close all by two retail stores.

It makes me sad because TigerDirect was a “dot com boom” success story. They actually started as a catalog company, but transitioned into internet sales early. When all of the retail computer stores started dying, TigerDirect was holding strong, and they bought up the stores and their IP and entered the retail market. They did a fantastic job of turning stores like CompUSA and Circuit City, which were known for fancy displays and overpriced electronics, into stores with smart employees, simple displays and prices that competed with the Internet.

TigerDirect is going to continue selling computers, electronics and computer components on its website.

No word yet if NewEgg is planning on buying its stores, but that would be the perfect irony.

Facial Recognition Software Leads To Arrest of Jacksonville Man Who Faked His Own Death

Another thing the internet has ruined: faking your own death. Jacksonville businessman Jose Lantigua had been reported dead in Venezuela two years ago. But when he attempted to apply for a new passport under his new, false identity the US State Department used facial recognition software to match him to his original identity in their database. Federal agents then set up a sting operation and caught him wearing a brown toupee and ?a poorly dyed beard.?

Lantigua is wanted on numerous counts of insurance fraud, since his family attempted to collect on his life insurance policy after his death. The insurance company has long viewed this with suspicion.

Google Responds to Reporter with GIF Instead of “No Comment”

This week, Daily Dot writer Richard Lewis published a story about YouTube reportedly planning to relaunch its livestreaming platform with a focus on computer gaming and esports. This is similar to Twitch, which Google tried to buy last year before it ended up being purchased by Amazon.

Lewis reached out to Google for a comment on the reports, and they apparently responded with something only Google could get away with. Instead of the usual “no comment,” the representative sent Lewis this animated GIF of a little girl shrugging. No text, just the GIF.

Lewis at first assumed that this was a joke, and said that he received a “no comment” response from Google in his story. The same representative sent another message saying that the GIF was, in fact, their official response.

Reviews

Ray shares his thoughts on the Cogito swartwatch this week.

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Q: I’m looking at opening a food truck. I’ve seen other food trucks and hot dogs stands taking credit cards on their phones. How can I do that? What kind of phone do I have to have, and does it cost a lot of money?

A: Smartphones have opened up a whole new way for mobile vendors to accept credit card payments. Gone are the days of having to use one of those bulky carbon copy imprinters with hefty fees, high transactions costs and no way to prove if the credit card you were charging was even a real credit card.

You have a few different options that you can choose from, Norman, but the three most popular are Square, PayPal Here and Intuit GoPayment. All three are small devices that plug into the headphone jack of your iPhone or Android phone.

Square

Square pioneered mobile credit card processing with their small, square (hence the name) credit card readers. Once you get your Square reader and download and install the free Square Register app, you’ll be ready to start accepting credit cards. You can even add your entire inventory to the app, and use it as your point of sale terminal right there on your phone. Transactions you ring up before 5 p.m. are credited to your bank account the following business day. Square charges 2.75% per swipe.

PayPal

PayPal, the company that pioneered online credit card transactions, entered the mobile game a bit later than Square with their credit card reader, a blue triangle known as the PayPal Here. PayPal Here also offers a point of sale app to go along with the device. Money from real world transactions made using this device is sent directly to your PayPal account. From there the money can be spent online or transferred to your bank account. PayPal Here charges 2.7% per swipe.

Intuit GoPayment

Intuit, the company that makes Quicken account software, makes the Intuit GoPayment card reader and app. It’s about the same shape as a roll of quarters, but a bit shorter. While the GoPayment is physical the biggest one we’ve seen, it charges less per transaction than Square or PayPal Here: 2.4% per swipe. The Intuit QuickBooks GoPayment app also integrates with Quicken and many other small business apps.

As the mobile payment industry keeps growing, more and more companies are starting to jump in. Amazon recently debuted a mobile credit card reader. Almost all of the traditional credit card processors like BluePay, Verifone and Chase have also launched their own readers. Even office supply retailer Staples has gotten in on the action.

You have a lot of options to choose from, Norman, and you can get just about all of them for free with no contract. Our advice is that you try all of them until you find the one that fits your needs the best.