Question of the Day

Posted on May 24, 2021

Answer: Read online reviews


  • Why do you think that so many people want to look at reviews before making a purchase?

  • Do you check online reviews prior to purchasing products? How do you know if reviews are credible?

  • Do you vary the amount of time you read reviews based on the cost of the item that you are looking to purchase?

Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.

Lock Down Your Login – Use A Passphrase

Passwords are the most common way we prove our identity in the digital world. We use passwords to access our work and home computers and email, online banking services, and social media accounts. If your passwords are not strong enough, you leave systems and data vulnerable to attack. In fact, compromised passwords are the leading cause of security breaches.

Cybercriminals have perfected the art of guessing passwords. Not only do they have technology on their side, but they’re also motivated. Think of all of the information that is protected by just your password. That’s why security experts recommend using a passphrase when creating a password.

A passphrase is a sentence-like string of words that is longer than a traditional password, easy to remember, and difficult to guess. A passphrase could be several meaningful but seemingly unrelated words such as Tailgate Varsity United Bulldogs. This has meaning to you and is easy to remember, but it would take years for a cybercriminal to guess, even with technology designed to guess and test potential passwords.

So, why use a passphrase? Compared to a simple password, a passphrase is much easier for you to remember and much harder for someone else to guess. When we create a password, we typically think of a single word that is significant to us. We have been taught that just adding special characters or numbers will make the password more secure, but that’s not necessarily the case. A password like Bulld0gz! takes a cybercriminal approximately 3 seconds to guess.

Here are some best practices when creating a strong passphrase:

— Pick a phrase or series of random words that are meaningful to you. Think of three things you like, for instance French fries football beach.

— Add uppercase and lowercase and a special character: French Fries Football Beach!

— Use different or abbreviated spellings of words: French Fries Futbol Beach!

— Don’t use a name or nickname of a pet or relative.

— Don’t use information easily obtained about you such as your address, telephone number, or hometown.

— Don’t use a commonly used password such as P@ssw0rd , qwerty , or 123456.

— Don’t use a password of all numbers, or a password composed of just alphabet characters.

Posted on May 25, 2021

Answer from Federal Trade Commission: Before any unauthorized charges are made.


  1. Do you know anyone who has had their debit card stolen? What happened?

  2. Since there is a thriving market in cloned debit cards, what can you do to protect yourself if your account is hacked?

  3. If you don't tell the bank about your card being stolen and your account is drained, is the bank required to pay you back after 60 days after your monthly statement is mailed to you?

Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.

Behind the numbers (Magnify Money):

To protect yourself against debit card fraud, you should do the following:

  • Only use an ATM inside a bank (this will lessen the likelihood that a scanner is on an ATM)

  • Cover your hand when you type your pin into an ATM (to protect yourself against any devices attached to the ATM from getting your PIN)

  • Set up text alerts for each transaction over $0.01 on your card. This way you’ll be immediately alerted if a bogus charge is made

  • Monitor your bank on a regular basis (so you can give notice of fraud immediately)

  • Report stolen funds immediately (so you’re not responsible for the charges)

  • Check-in annually with your bank as to the policies regarding debit card theft (know whether your debit card is specifically protected and to what extent)


To learn more about debit card cloning, check out the article on investopedia.