Skip to main content

Inside Look by South Florida FCU, A Division of Guardians Credit Union Inside Look logo

Stay in the Know


Protecting Yourself While Shopping Online — What steps should you take?

Provided by Jack Ramsay

Whether you shop online routinely or infrequently, the risk of identity theft rises as you offer more and more information about yourself online.

Avoid using a debit card, and use only one credit card. If your debit card gets hacked, the thieves may be able to access your bank account. But if you use just one credit card for online shopping, you will have only one card to cancel if your card number is compromised. (It would also be wise to keep a low credit limit on that particular card.)

Look for the "https://" before you enter personal information. When you see that (look for the "s"), it should indicate that you are transmitting data within a secure site. Depending on your browser, you may also see a padlock symbol at the bottom of the browser window.

Watch what you click — and watch out for fake sites. Pop-ups, attachments from mysterious sources, dubious links — do not be tempted to explore where they lead. Hackers have created all manner of "phishing" sites and online surveys — seemingly legitimate, but set up to siphon your information. It is better to be skeptical.

Protect your PC. When did you install the security and firewall programs on your computer? Have you updated them recently?

Change stored passwords frequently. Make them unique and obscure. It is a good idea to change or update your passwords once in a while. Mix letters and numbers, and use an uppercase letter if possible. Never use "password" or your birth date as your password!

Don't shop using an unsecured wi-fi connection. You are really leaving yourself open to identity theft if you shop using public wi-fi. Put away the laptop and wait until you are on a secure, private internet connection. Hackers can tap into your Smartphone via the same tactics by which they can invade your PC.

Jack Ramsay may be reached at Jack Ramsay's direct line at 561-686-4006, ext. 1120 or

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.


2021 Scholarship


Congratulations to Maricarmen Torres Concepcion for being awarded the 2021 Ruth & Lake Lytal Memorial Scholarship!

Ms. Concepcion has been a member since 2019 and is currently attending Palm Beach State College majoring in Nursing. She has a GPA of 4.0.

Best of luck on your future endeavors!

In The News

Operational Update

We are happy to announce that our UM Hospital Branch has re-opened for business.

The hours of operation for the branch will be as follows:
Monday, Wednesday, Friday — 9:00am-1:00pm

Please note that only member services and loan services will be performed at the UM Hospital Branch. No teller services will be available, but the ATM at UM Hospital is available for cash transactions for your convenience.

Also, as a reminder, the UM Hospital Branch is currently only accessible to UM Hospital employees.