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Consumer Tips

Keeping Your Family Safe in the Cyberspace Age

According to the latest census data, more than half of the country’s 105 million households have computers.  Everyone from the four-year-old to the 88-year old grandma uses the computer.  And, for those people who do not have a computer at home, they have access to one through the office, school or the library.

While computer technology has made our lives easier and provided us with educational and entertainment resources, it has become increasingly important for parents to monitor the websites and “chat rooms” that their children visit online.  Keep in mind that anyone in the world can publish material on the web, and much of it is not appropriate for young children or teens — or adults, for that matter!

While some Internet service providers and online services allow parents to limit access to certain parts of the Internet, it is ultimately the parent’s responsibility to monitor their children’s online activity.  In the case of younger children, parents should not allow the Internet to become a babysitting service.  And, if your teen spends hour after hour online, that could signal potential problems.  Parents should be aware of the websites their children and teens are accessing.

While young children should never be allowed to log on to a “chat room” or bulletin board, parents should visit with their teens and set reasonable guidelines and expectations concerning “chat rooms,” since it is primarily teens  who are more likely to be the victims of child predators surfing the Internet.

Here are some tips to help guide your teenager through the risks and dangers of the cyberspace highway:

  • Discuss with your teens guidelines for computer usage such as the amount of time they can be online and the appropriate websites they may visit.

  • Encourage your teen to tell you if they receive obscene, harassing or suggestive e-mails and when you become aware of such messages, report them to the National Center for Missing and Exploited Children’s CyberTipline at 800-843-5678 or via the Internet at www.missingkids.com/cybertip.

  • Tell your teen to never send a photograph through an e-mail without checking with a parent first.

  • Tell your teen to refrain from giving out identifying information such as name, home address, telephone number or school address in a “chat room.”  

Never allow your teen to arrange a face-to-face meeting with another computer user without your permission.  If you decide the meeting should take place, be sure to accompany your teen and hold the meeting in a public place.  You need to know as much about your child’s online friends as you know about their other friends, including their parents.

By knowing the dangers of the Internet, you can take advantage of the positive aspects, minimize the negatives, and make the cyberspace age an enjoyable experience for your family.

CONSUMER TIPS is provided as a public service by the Missouri Independent Bankers Association

AND

Community Bank of the Ozarks
P.O. Box 43
Sunrise Beach, MO 65079
(573) 374-5245
1-800-927-4314
www.cbobanker.com



Past Tips

2010
Buying a New Wireless Phone - 8/10
Be Smart When Buying A Home - 7/10
Choosing A Nursing Home - 6/10
New Rules for Bank Overdraft Protection - 5/10
The Way to Financial Freedom is Through Financial Literacy - 4/10
Saving Made Simple! - 3/10
New Credit Card Rules and the Latest in Fraud Scams - 2/10
Is Your Money Protected? - 1/10

2009
What is the Best Way to Invest Your Savings? - 9/09
Using Credit Wisely - 8/09
Is Insurance Really Necessary? - 7/09
Have You Prepared Your Will? - 6/09
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Do Your Part for the Environment. Use the $1 Coin! - 4/09
Do Your Children Know the Financial Facts of Life? - 3/09
You Think a Bank is a Bank…Think Again! - 2/09
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2008
Avoid Holiday Stress by Planning Ahead
Don’t Be Taken In By Phony Charities - 9/08
A Financial Tips Checklist to Fall Back On - 8/08
What Is a HELOC and Do You Need One? - 7/08
Improving Your Credit Score - 6/08
Are Extra Mortgage Payments An Option? - 5/08
Understanding Your Checking Account - 4/08
What’s Your Financial Vocabulary IQ? - 3/08
What the Subprime Lending Crisis Means to You - 2/08

2007
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How to Keep Financially Afloat When Disaster Strikes - 10/07
Have You Reviewed Your Budget Lately? - 9/07
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2006
Tips to Keep Your Holiday Merry - 12/06

Start Planning Now for April 15 - 10/06
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Can You Afford Retirement? - 6/06
It’s Time To Spring Clean Your Financial Records - 5/06
Take a Look Inside Your Wallet. See Anything New? - 3/06
That Credit Card(s) is Going To Cost You More  - 2/06
The Oldest Scam Hooks More Victims - 1/06

2005
Are There Spies in My Computer? 9/05
The Scam Is In The E-Mail - 8/05
Talk to Your Children About Money Sense - 7/05
Understanding Your Credit Score - 6/05
Keeping Your Family Safe in the Cyberspace Age - 5/05
(Ph)ishing Is Not What It Used To Be - 4/05

Are CD's a Good Investment for You? - 1/05

2004
The Bills Are Piling Up. Where Do You Turn? - 12/04
Do You Know What's in Your Wallet? - 11/04
Use Direct Deposit and Forget About it - 10/04
Beware of Promises to Erase Bad Credit - 9/04
Your Floating Check Just Sprung a Leak - 8/04



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