This week, WikiLeaks released what it says are thousands of pages related to CIA hacking operations, according to The New York Times.
While WikiLeaks hasn’t revealed the source of the leaked documents, they do have a name for it: Vault 7. The documents detail CIA hacking procedures to access computers, Apple and Android smartphones, and even TVs connected to the internet.
It’s not just about hacking, though. The WikiLeaks CIA dump also includes information about how the agency and its allies have allegedly been able to bypass encryption on popular apps like WhatsApp, Telegram, and Signal, and even gain access to PDFs and antivirus software.
The CIA won’t comment on the authenticity of the documents, but this level of detail does reveal something: Your information might be more vulnerable than you think.
What the WikiLeaks CIA hacking means
The New York Times says that there is no evidence that the CIA’s hacking efforts have targeted ordinary Americans. Instead, the WikiLeaks documents outline how the spy agency looks into people around the world.
Frankly, that’s their job.
The WikiLeaks CIA dump might not actually offer anything particularly new. Remember Edward Snowden and the National Security Agency leaks?
But that doesn’t mean you shouldn’t be concerned. WikiLeaks has not published the actual code the CIA uses to conduct their digital monitoring, but if that code does become public, other hackers could use it to target average consumers.
If you are connected to the internet, you are susceptible to hacking from government agencies or criminals. Everything from your financial data to your personal information could be vulnerable.
Are you putting your information at risk?
You don’t need the CIA or NSA to hack your information; you could be putting your data at risk every day.
Seemingly simple acts such as logging on to public Wi-Fi or typing on a wireless keyboard could make you susceptible to hackers. Depending on how and where you use your banking apps and what you share online, you could be giving hackers more access than you expect.
Snowden’s NSA leak revealed that intelligence agencies could theoretically turn on microphones and cameras on your phone and computer to listen in on what’s happening in the room. Even your headphones could offer an “in” for hackers.
Improve your security online
The WikiLeaks CIA hacking is a good reminder that it’s time to check your personal cybersecurity and take steps to beef up your efforts.
It’s important to understand that, given enough time, a skilled hacker can break into your smartphone or get into your financial accounts. The only way to avoid it completely is to go off-grid, paying for everything in cash and conducting financial business via snail mail.
That’s not an option for most people, but there are simpler things you can do to boost your security online.
1. Update your devices
Don’t ignore your devices’ prompts to update the software. According to CNN Money, updating your devices is one of the best ways to slow hackers down.
The WikiLeaks CIA dump pointed out several ways to potentially hack into both Android and Apple smartphones, but Apple says that their latest software update solved many of vulnerabilities pointed out by WikiLeaks.
2. Create stronger passwords
Create stronger passwords for your accounts and use a different password for each of your financial accounts.
Using the same password makes it simpler for you to log in, but it also makes a hacker’s job easier. They just have to force their way into one account before using that same log-in info to access your other data.
Use a combination of numbers, letters, and symbols when you create passwords, and change them often. A tool like LastPass can help you safely keep track of your log-in credentials.
3. Be wary of public Wi-Fi
Because public Wi-Fi is vulnerable, your information could be stolen when you use a public network. Don’t access your financial accounts or make sensitive transactions when you’re on public Wi-Fi. Wait until you’re on a secure network to access those accounts.
4. Monitor your financial accounts
While the CIA could theoretically hack your computer or listen to private conversations in your home, you’re probably more at risk for fraudulent purchases. Should the worst happen, regularly monitoring your financial accounts can help you catch a breach fast.
Review your account activity weekly and thoroughly review monthly statements to discover problem purchases and secure your account as quickly as possible.
5. Don’t shy away from tape
It might seem like something only a truly paranoid person would do, but placing tape over your computer’s camera is the simplest way to ensure no one is remotely spying on you. Even Facebook founder Mark Zuckerberg puts tape over his camera and microphone jack.
The WikiLeaks CIA hacking isn’t likely to directly affect you, but it’s a good reminder to check your personal security protocols and take efforts to reduce your digital vulnerabilities. Want more tips to protect your online data? Make sure you’re doing these seven things.
Interested in refinancing student loans?Here are the top 6 lenders of 2018!
|Lender||Variable APR||Eligible Degrees|
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1 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 6.97% APR (with Auto Pay). Variable rate loan rates range from 2.47% APR (with Auto Pay) to 6.30% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of Month/Day/Year, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at firstname.lastname@example.org, or call 888-601-2801 for more information on ourstudent loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
2 Important Disclosures for Laurel Road.
Laurel Road Disclosures
APR stands for “Annual Percentage Rate.” Rates listed include a 0.25% EFT discount, for automatic payments made from a checking or savings account. Interest rates as of 11/8/2018. Rates subject to change.
Variable rate options consist of a range from 3.27% per year to 6.09% per year for a 5-year term, 4.64% per year to 6.14% per year for a 7-year term, 4.69% per year to 6.19% per year for a 10-year term, 4.94% per year to 6.44% per year for a 15-year term, or 5.19% per year to 6.69% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.27% per year to 6.09% per year for a 5-year term would be from $180.89 to $193.75. The monthly payment for a sample $10,000 loan at a range of 4.64% per year to 6.14% per year for a 7-year term would be from $139.65 to $146.76. The monthly payment for a sample $10,000 loan at a range of 4.69% per year to 6.19% per year for a 10-year term would be from $104.56 to $111.98. The monthly payment for a sample $10,000 loan at a range of 4.94% per year to 6.44% per year for a 15-year term would be from $78.77 to $86.78. The monthly payment for a sample $10,000 loan at a range of 5.19% per year to 6.69% per year for a 20-year term would be from $67.05 to $75.68.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
3 Important Disclosures for SoFi.
4 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.
All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.28% effective October 10, 2018.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.47% – 6.99%3||Undergrad & Graduate|
|2.47% – 6.30%1||Undergrad & Graduate|
|2.51% – 8.09%4||Undergrad & Graduate|
|3.02% – 6.44%2||Undergrad & Graduate|
|2.69% – 7.21%5||Undergrad & Graduate|
|2.79% – 8.39%6||Undergrad & Graduate|