Most people who have spyware on their computers and laptops do not even realize it. The spyware lurks in the background doing it deeds within the shadows of their computer’s hard drives. Sadly, most are unaware of what spyware can do, the types of damage it can potentially cause and measures that can be taken to protect yourself from these annoying programs.

This article will offer answers that will clarify what spyware is and tips you can use to protect yourself from spyware in the future.

Computer programs that exist on your computer’s hard drive are cald Spyware. They come in a variety of types and flavors. There are some spyware programs that will secretly stay in your hard drive, keeping track of every website that you visit, and taking notes.

When you visit a financial service website, some spyware watch and take note of your keystrokes. The spyware that sends your sensitve financial information such as your username and passwords to other parties across the internet is known as “keyloggers.”

Most often, spyware is downloaded through the internet. The download can occur if a user click to some other software where spyware is attached and it will download to your hard drive. Other times, spyware can be downloaded by visiting websites. “Drive By’s” are downloads that happen when a user simply visits a particular websites, without the permission of the user.

While not all spyware is necessarily dangerous, it does represent a risk because of the damage it is capable of doing. For example, the spyware that watches your keystrokes when you visit financial websites and then communicates this data to other unknown parties exposes you and your financial livelihood to risk. These other parties can then potentially access your bank, investment and loan accounts online without your knowledge or permission, wreaking havoc.

Spyware is dangerous because some types can actually control your computer. Once your computer gets controlled you run the risk that files and information stored on your computer will be sent to other parties. Unknown parties can potentially gain access to any sensitve data on your hard drive.

The best strategy to secure both you and your computer from spyware is utilizing a computer program created especially to identify and remove this type of bug. Such programs include Search and Destroy software. These programs are even more helpful as spyware creators become more advanced, and their systems become more dangerous.

Some spyware attempts to look like anti-spyware on your PC in order to trick you. This can cause them to become harder to find and remove from your computer. The good news is that specialized programs such a Spybot are continually updated with the newest versions of spyware that circulate around the internet. This lets it stay ahead of new spyware, enabling it to identify them effortlessly and get rid of them with ease.

If you do not conduct routine scanning of your system, the risk of having some spyware being in your system is quite high. It may not do much or it could just exist or worst of all it could be communicating sensitive data to outside people. It is important to use a dedicated removal program to rid your computer of spyware before there is significant damage.

We’ve all received spam trying to sell us things such as prescription medications, cheap mortgages and internet gambling. Most people just hit delete and move on, but there are some scams that are a little more serious.

One of the most common ones has been around for many years - the Nigerian bank scam. The person sending the email pretends to be the wife, brother, lawyer, banker or have some other relationship with some kind of government official in Nigeria. They tell the sad story of money that was deposited in a bank account but can’t be accessed because the person has died. They offer to give you a share of the wealth in return for accepting a transfer of the money to your bank account. The catch is, you need to give them your bank account information and transfer several thousand dollars to them first for “expenses”. Naturally, you never see any of the money that is promised after sending the expense funds. It sounds obvious, but people fall for this scam year after year, even though it has been going on for so long.

Some Internet scams offer investment opportunities with huge paybacks. They usually claim to be risk-free, but once they have your money, you’re very unlikely to see any return. Another common scam involves offering credit cards for those with bad credit ratings - just send a security deposit and processing fees. In return you get - that’s right - nothing. And by the time you start to investigate, the scam artist has disappeared.

These fake offers are particularly bad for legitimate businesses who use email for doing business. Because so much email is spam, the internet service providers and email hosting companies work hard to filter it out. But these filters can sometimes stop legitimate email from businesses you want to hear from.

How To Sidestep These Scams

Firstly, never ever reply to spam, either by hitting reply or by clicking a link in the email. These things will only serve to confirm your email address is active and you will shortly start to receive much more spam than you do already.

Never send any private information like credit card numbers or username & passwords by email. Legitimate companies like Paypal or your bank will never ask for these things directly through email.

How do you know whether it’s spam? Since, one man’s spam is sometimes another’s welcomed advertisement, there’s no perfect answer. But there is one good rule of thumb: if you don’t recognize the sender, it’s probably not someone you want to hear from. After all, how many former dictators in Nigeria are you likely to know?