December 24th, 2012Top StoryWhat to Do on Christmas When You Don't Celebrate ItBy Adam Dachis
The Obvious StuffChinese restaurants and movie theaters traditionally stay open on Christmas day for those of us who have nowhere else to go. In fact, my Christmas plans involve both because I enjoy them. While this guide will include ways to find other activities, you shouldn't necessarily rule out these classic non-Christmas activities. They're staples of the un-holiday for good reason. Chinese Food
Movies
The Not-So-Obvious StuffChinese restaurants and movie theaters aren't the only establishments open on Christmas. A number of other retail chains—and even some local stores—keep limited hours for the minority who do not celebrate the holiday. Activities
These are just a handful of options. A few local activities and attractions, such as arcades, laser tag, spas, and sports clubs stay open on Christmas day. We couldn't possibly list them all here, but call a few places to find out if they're open. You might be surprised. Restaurants
If you don't want to go to a restaurant and prefer to eat at home, most grocery stores prepare Christmas dinners. Call your local store for more information if you'd like to simply have a dinner ready-to-go that you can eat at home. Drug, Convenience, and Grocery Stores
Drug Stores: Grocery Stores:
Convenience/Other Stores: Plan AheadBecause so few places are open on Christmas day, you'll want to get a plan together in advance. This won't take more than 15-20 minutes in most cases, and can ensure you won't run into any unwanted disappointments during the day. Just follow these steps:
If you follow those steps you'll be ready to enjoy a very special non-Christmas, whether you're going solo or enjoying the day with others. Photos by abdulsatarid (Shutterstock), Katarina Kirilova (Shutterstock), Paul Lowry, KB35, Pierce Martin, Elvert Barnes, and me. |
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Tuesday, December 25, 2012
What to Do on Christmas When You Don't Celebrate It
Saturday, December 22, 2012
How Hackable Is Your Bank Account? Call Customer Service to Find Out
December 21st, 2012Top StoryHow Hackable Is Your Bank Account? Call Customer Service to Find Out
Most banks have pretty good online security measures, such as two-factor authentication, which requires you to log in only from approved computers or devices. But as my phone calls proved, the human element is often the weakest link of any security system (remember the Apple and Amazon exploit that wiped tech writer Mat Honan's accounts?). The easiest way to hack an account is often by manipulating the front line of defense—the people stewarding that data. One bank I called asked for my social security number and name before resetting the password to "password." The other asked for my username and email before resetting the password to the last four digits of my social security number. Social Security numbers are not difficult to guess or steal, as Science Magazine points out, and because most people use the same username everywhere, that's not a great means of authentication. (It's why you might want to use a unique username and separate, dedicated email address just for password recovery.) I definitely sounded earnest and trustworthy over the phone—even when I said I didn't remember the security question answers (at that point I was testing them)—but so, too, could any persuasive hacker. Call your bank now to see how they handle password resets. Don't ask them how they do it or try to reset on the website (those seem to be more secure), but try to get your account login reset over the phone, as if you're socially engineering your own account, to find out the criteria and see how easy or hard it is to get your bank login handed over. After finding these weaknesses, I switched my accounts to banks that not only have stronger online protections, but those that have improved measures over the phone or at least extra guarantees in case of unauthorized access. Charles Schwab, SunTrust, First Tennessee Bank, HSBC, Ally Bank, and others (you'll have to check for those near you) guarantee your accounts in case of unauthorized access. For comparison's sake, the standard guarantee for most banks, from the FDIC, doesn't cover that. Also, these and other banks (such as ING Direct) might ask you to verify basic information (such as date of birth and address), but they also may have several other additional authentication steps over the phone, including PIN #s or Security Keys that the customer service agent can't/doesn't know; if you forget one of those, you can only get it reset in a few days via snail mail. That may sound like a hassle, but it's well worth it for the extra security. In this age where strong passwords aren't enough, make sure your most important accounts are as secure as the system currently allows. If you do end up looking for a new bank, ask prospective banks about the measures above. Get Rich Slowly asked readers last year which bank was best for both service and security, and the comments on that article are worth a read. My Bank Tracker also features user reviews of banks. But most of all, for your new bank, test out the account reset system yourself over the phone. If you have a bank you particularly trust, please share them with us in the comments and let us know why. |
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