Laptop Security; Part 2

   

Staten Island’s only community-based business bank highlights the “Don’ts” of laptop security

 

STATEN ISLAND, N.Y.A minor distraction is all it takes for a laptop to vanish. If it goes missing, all the valuable information stored on it may fall into the hands of an identity thief. Keep these tips in mind when you’re out and about with your laptop:

The Don’ts

Don't leave it — even for just a minute.

Your conference colleagues seem trustworthy, so you're comfortable leaving your laptop while you network during a break. The people at the coffee shop seem nice, so you ask them to keep an eye on it while you use the restroom. Not a good idea. Don't leave your laptop unguarded — even for a minute. Take it with you if you can, or at least use a cable to secure it to something heavy.

Don't leave your laptop in a car.

Parked cars are a favorite target of laptop thieves. If you have no choice and you must leave it in your car, keep it locked up and out of sight.

Don’t put your laptop on the floor.

No matter where you are in public — at a conference, a coffee shop, or a registration desk — don’t put your laptop on the floor. If you must put it down, place it between your feet or up against your leg so you remember that it’s there.

Don’t keep passwords with your laptop or in its case.

Remembering strong passwords or access numbers can be a challenge. However, leaving them in your laptop carrying case or on your laptop is like leaving your keys in your car. Don’t make it easy for a thief to get to your personal or corporate information.

 

 

About Victory State Bank:

VSB Bancorp, Inc. (OTC: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters:718-682-1509

Mobile:917-715-8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Laptop Security: Part 1

 

Staten Island’s only community-based commercial bank highlights the “Dos” of laptop security

  

STATEN ISLAND, N.Y.A minor distraction is all it takes for a laptop to vanish. If it goes missing, all the valuable information stored on it may fall into the hands of an identity thief. Keep these tips in mind when you’re out and about with your laptop:

The Dos

Treat your laptop like cash.

If you had a wad of money sitting out in a public place, would you turn your back on it — even for just a minute? Would you put it in checked luggage? Leave it on the backseat of your car? Of course not. Keep the same watchful eye on your laptop as you would on your cash.

Lock your laptop with a security cable.

 In the office, a hotel, or some other public place, use a laptop security cable. Attach it to something immovable or to a heavy piece of furniture — say, a table or a desk.

Be on guard in airports and hotels.

Keep your eye on your laptop as you go through airport security. Hold onto it until the person in front of you has gone through the metal detector — and keep an eye out when it emerges on the other side. The confusion and shuffle of security checkpoints can be fertile ground for theft.

If you stay in hotels, a security cable may not be enough. Store your laptop in the safe in your room. If you leave your laptop attached to a security cable in your hotel room, consider hanging the "do not disturb" sign on your door.

Consider an alarm.

Depending on your security needs, an alarm on your laptop can be a useful tool. Some laptop alarms sound when there's unexpected motion, or when the computer moves outside a specified range. A program that reports the location of your stolen laptop once it's connected to the internet also can be useful.

Consider carrying your laptop in something else less obvious than a laptop case.

When you take your laptop on the road, carrying it in a computer case may advertise what's inside. Consider using a suitcase, a padded briefcase, or a backpack instead.

 

 

About Victory State Bank:

VSB Bancorp, Inc. (OTC: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters:718-682-1509

Mobile:917-715-8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Are you Buying a Home?

 

Staten Island’s only community-based business bank would like to inform youof new laws that will protect you

 

STATEN ISLAND, N.Y. New consumer protection rules went into effect in January to help protect homebuyers and homeowners from predatory lending, taking on more debt than they can afford, not getting complete info from their mortgage holder and more.

The Consumer Financial Protection Bureau (CFPB) rules ensure that anyone being paid to help you find a mortgage treats you fairly at key points in the process. The rules are aimed at empowering you to shop for loans to buy and own a home with more confidence.

 

  • The new mortgage rules will make the market safer and easier to understand. Lenders now have to make a good faith effort to determine if you have the ability to repay your loan. In the end, only you can decide how much you are comfortable paying for a mortgage.
  • You will get a copy of any appraisal or valuation at least three business days before you go to closing. Appraisals can provide you an estimate of what a home is worth. You may also obtain your own independent appraisal.
  • Any company that is paid to help you find or get a mortgage must train its agents, brokers and loan originators and make sure they have been through a background check. The people you hire to help you find a mortgage should be licensed or registered at the state or federal level. Ask your loan originator about their credentials.
  • New CFPB mortgage rules limit the fees a lender can charge and still make what is called a Qualified Mortgage. These rules do not require lenders to cap fees. You still have to decide for yourself whether it’s a good idea to pay high fees to get a loan.

 

 

About Victory State Bank:

VSB Bancorp, Inc. (OTC: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters:718-682-1509

Mobile:917-715-8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 

 

 

Phone Scams

 

Staten Island’s only community-based business bank points to the signs of a phone scam

 

STATEN ISLAND, N.Y.Every year, thousands of people lose money to telephone scams — from a few dollars to their life savings. Scammers will say anything to cheat people out of money. Some seem very friendly — calling you by your first name, making small talk, and asking about your family. They may claim to work for a company you trust, or they may send mail or place ads to convince you to call them.

Scammers use exaggerated — or even fake — prizes, products or services as bait. Some may call you, but others will use mail, texts, or ads to get you to call them for more details. Here are a few examples of “offers” you might get:

 

  • Travel Packages. “Free” or “low cost” vacations can end up cost­ing a bundle in hidden costs. Some of these vacations never take place, even after you’ve paid.
  • Credit and loans. Advance fee loanspayday loanscredit card protection and offers to lower your credit card interest rates are very popular schemes, especially during a down economy.
  • Sham or exaggerated business and investment opportunities. Promoters of these have made millions of dollars. Scammers rely on the fact that business and investing can be complicated and that most people don’t research the investment.
  • Charitable causes. Urgent requests for recent disaster relief efforts are especially common on the phone.
  • High-stakes foreign lotteries. These pitches are against the law, which prohibits the cross-border sale or purchase of lottery tickets by phone or mail. What’s more, you may never see a ticket.
  • Extended car warranties. Scammers find out what kind of car you drive, and when you bought it so they can urge you to buy overpriced — or worthless — plans.
  • “Free” trial offers. Some companies use free trials to sign you up for products — sometimes lots of products — which can cost you lots of money because they bill you every month until you cancel.

 

 

About Victory State Bank:

VSB Bancorp, Inc. (OTC: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters:718-682-1509

Mobile:917-715-8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 

 

 

Renting a Car

 

Staten Island’s only community-based commercial bank reminds you to look at all the fees of renting a car before choosing your rental company

 

STATEN ISLAND, N.Y.Need to rent a car for your vacation or business travels? Comparing prices online can save you a bundle. But make sure you compare the total cost — not just the advertised rate — because fees and options can increase the base price dramatically.

Ask about fees before you rent a car to avoid surprises when you pay your bill. Here are some common fees and charges you may encounter.

 

Taxes

The rental company will add on the required state, city, or county taxes — and their own sales tax rates — to the price of your rental car. You may see other fees, too, like a “vehicle licensing fee” or an “energy recovery fee.”

 

Early or Late Return Fees

Being early is not always a good thing. Some rental companies may charge a fee if you return the car more than 24 hours before your reservation was supposed to end. If you must return the car early, call the company to talk to an agent.

Running a little late? Many rental car companies have short grace periods that allow you to return the car without a fee if you’re late by less than 30 minutes. However, you still may have to pay a full day’s charge for optional items, like navigation systems and liability coverage options. If you’re running more than a half hour late, call the company to see if it’s cheaper to pay late charges or extend your rental.

 

Airport Surcharges

If you’re renting a car at the airport, fees can increase the rental rate considerably. These surcharges can apply even when rental car companies shuttle you to their off-site lot.

 

Fuel Charges

Most companies require you to return your rental car with a full tank of gas. If you don't, you'll be charged the rental company's price for gas, which is virtually always more expensive than if you refill the tank yourself at a local station. Companies might give you the option of pre-purchasing a full tank of gas when you first take the car, so you can return the car without paying an additional fee to fuel up. There’s usually no refund for unused fuel.

 

Mileage Fees

Most rental car companies now offer unlimited miles. But daily mileage caps may apply based on the type of vehicle you rent (for example, some SUVs or high performance vehicles). It helps to know about how far you plan to drive so you can select the company that offers the most favorable mileage terms.

 

Roadside Assistance Fees

Ask whether roadside assistance is included in the price of your rental car, or if the company will charge you a fee for it. If the company charges for a roadside service plan, find out exactly what it will cover if you need help — for example, if you have a flat tire or lock your keys in the car. If you’re a member of a motor club, you may have free or low-cost roadside assistance through your membership.

 

Out-of-State Charges

Before you head out on a road trip, check whether your rental company allows you to drive out of the state or geographical area in which you rented the car. Ask about the charges to drive out of state.

 

Drop-Off Fees

Need to drop your car off at a location other than where you picked it up? You may have to pay a steep fee for that.

 

Equipment-Rental Fees

If you’d like to include extra items in your rental car — like a navigation system or a car seat — you’ll have to pay a fee. Reserve these items in advance; availability varies based on the location of the rental.

 

Additional-Driver Fees

Want to switch off driving duties? Some companies charge a fee to add another driver — even your spouse — to your contract.

 

Underage-Driver Fees

You don’t have to be 25 to rent a car. Drivers between the ages of 21 and 24 are allowed to rent cars — for an additional fee.

 

 

About Victory State Bank:

VSB Bancorp, Inc. (OTC: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters:718-682-1509

Mobile:917-715-8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.