by Kathy Kristof

The whole social networking phenomenon has millions of Americans sharing their photos, favorite songs and details about their class reunions on Facebook, MySpace, Twitter and dozens of similar sites. But
there are a handful of personal details that you should never say if
you don't want criminals — cyber or otherwise — to rob you blind,
according to Beth Givens, executive director of the Privacy Rights Clearinghouse.


The folks at Insure.com also say that ill-advised Facebook postings increasingly can get your insurance cancelled or cause you to pay dramatically more for everything from auto to life insurance coverage.
By now almost everybody knows that those drunken party photos could
cost you a job, too.

 

You can certainly enjoy networking and sharing photos, but you should know that sharing some information puts you at risk. What should you never
say on Facebook, Twitter or any other social networking site?


Your Birth Date and Place

Sure, you can say what day you were born, but if you provide the year and where you were born too, you've just given identity thieves a key to
stealing your financial life, said Givens. A study done by Carnegie
Mellon showed that a date and place of birth could be used to predict
most — and sometimes all — of the numbers in your Social Security
number, she said.


Vacation Plans

There may be a better way to say "Rob me, please" than posting something along the lines of: "Count-down to Maui! Two days and Ritz Carlton, here we
come!" on Twitter. But it's hard to think of one. Post the photos on
Facebook when you return, if you like. But don't invite criminals in by
telling them specifically when you'll be gone.

 


Home Address

Do I have to elaborate? A study recently released by the Ponemon Institute found that users of Social Media sites were at greater risk of physical
and identity theft because of the information they were sharing. Some
40% listed their home address on the sites; 65% didn't even attempt to
block out strangers with privacy settings. And 60% said they weren't
confident that their "friends" were really just people they know.


Confessionals

You may hate your job; lie on your taxes; or be a recreational user of illicit drugs, but this is no place to confess. Employers commonly
peruse social networking sites to determine who to hire — and,
sometimes, who to fire. Need proof? In just the past few weeks, an
emergency dispatcher was fired in Wisconsin for revealing drug use; a
waitress got canned for complaining about customers and the Pittsburgh
Pirate's mascot was dumped for bashing the team on Facebook. One study
done last year estimated that 8% of companies fired someone for
"misuse" of social media.


Password Clues

If you've got online accounts, you've probably answered a dozen different security questions, telling your bank or brokerage firm your Mom's
maiden name; the church you were married in; or the name of your
favorite song. Got that same stuff on the information page of your
Facebook profile? You're giving crooks an easy way to guess your
passwords.


Risky Behaviors

You take your classic Camaro out for street racing, soar above the hills in a
hang glider, or smoke like a chimney? Insurers are increasingly turning
to the web to figure out whether their applicants and customers are
putting their lives or property at risk, according to Insure.com. So
far, there's no efficient way to collect the data, so cancellations and
rate hikes are rare. But the technology is fast evolving, according to
a paper written by Celent, a financial services research and consulting
firm.

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