Unsticking Yourself From Your Security Application
Ant writes "In Scott Dunn's Windows Secrets, he describes his informal tests of well-known computer security vendors when it comes to subscriptions and renewals. These days, most antivirus and other security products come with a subscription to update your virus definitions. He also explains ways to opt-out, users' comments, etc.
Seen in EGeezer's Broadband/DSL Reports security forum thread. Always read those end user license agreements (EULAs)."
Maybe I'm an old stick in the mud. But I've had far, far more trouble CAUSED by most of these applications than I've seen prevented.
When I get a new computer, the first thing I do is Nuke ALL of these things from the hard drive. I also tell Windows not to auto update. Never had a virus or infection.
I do keep my machines behind a double firewall, and I do use the default Windows firewall in XP, or the free ZoneAlarm on my older machines.. And I do frequently scan using one of the many free adware and virus checkers just to be safe. But perhaps most importantly, I'm really, really careful about opening email attachments and what web sites I go to. As for the updates, occasionally I go to Windows update and review the "fixes" and install those that look interesting or benign.
But Symantec, Norton, McAfee and the like I do not allow anywhere near any machine of mine, and I heavily discourage friends and family from using them.
Safe computing is NOT blindly installing some "security package" and going to sleep.
Stony
A way to stay relatively safe is to use a dedicated card. Here in Poland banks with online presence will supply you with what some call an "e-card". It looks like a Visa and is recognized as a Visa when you buy stuff online, but:
a) it can ONLY be used for online transactions (it does not double as an ATM card)
b) the card has its own virtual account with the issuing bank. You need to transfer money from your main account to the card before you make a purchase. Doing go takes authentication and a couple of clicks.
Yes, it takes a minute or two more, but no-one will be able to charge you repeatedly, and any loss due to fraud is limited to the amount you charged the card with. If you suspect anything untowards, you can clear the card with a single click. As a side effect, it helps prevent impulse buying, since it adds that additional step.
You could, of course, charge the card with a hefty sum and keep it over a long period, which would cancel much of the protection, but that's like installing a virus scanner and then running it disabled. In addition, if you charge the card in excess of about $1000 (depending on the bank), the transaction must occur within three days, otherwise the amount automatically reverts to your main account and the e-card is cleared.
There is a chance that a seller will coincidentally attempt a repeat charge just when you have charged the card for an unrelated purpose, but the likelihood of that is small, reduced further by the fact that an e-card is valid only for a year. It is re-issued annually (at no cost or at a minimal charge) with the same number but different expiration date. So a vendor from whom I am buying today will not be able to charge the same card next year. (If I do want to give them that option, I can always use my regular Visa - but I've never had to in six years.)
I don't know if US banks provide this kind of service as a rule; if they don't, you guys should raise bloody hell. It goes a long, long way to keep you safe, and will prevent any underhanded attempts like these.
"Only the small secrets need to be protected. The big ones are kept secret by public incredulity." - Marshall McLuhan