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How to stay safe online

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OPINION: Let's start with a hard truth. There is no single way to stay safe online. If you've got an email address and a credit card, you're going to get targeted online sooner or later.

The best thing you can do is educate yourself about what the threats are and how not to fall into traps set by scammers.

Start by following the three steps below.

* MBIE customers hit by emails containing malicious software
* Air NZ's Air Points data breach test for cyber insurance
* Customers could face long-term privacy issues after Air New Zealand data breach

Get good antivirus

It's boring. But it's still the simplest and most effective way to protect yourself online. Get good antivirus software (AVs).

Yes, Windows now ships with decent built-in security in the shape of Windows Defender. And Macs don't really get viruses - not as much as Windows devices anyway.

But these home-brand security options don't offer as much protection as high-end security suits. Windows Defender, for example, scores a respectable 7.5 stars (out of 10) in most independent antivirus groups tests.

A fair score,........

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