If you are part of Gen Y, connectivity is an important part of your daily life. But while tweeting, friending, and googling may be routine, are you protecting yourself online?
According to a recent ZoneAlarm survey of 1245 participants, the majority of Gen Y respondents leave Internet security on the back burner.
Fun trumps safety
Only 31 percent of Gen Y participants rank security as the most important consideration when making decisions about their computer. Gen Y was more likely to prioritise entertainment and community above security.
However, half (50%) of all Gen Y indicated that they have had computer security issues in the past two years.
Stay ahead of the hack pack
The research shows that Gen Y is leaving themselves – and anyone with whom they communicate – wide-open and vulnerable to online attacks.
When you consider the growth of cybercrime in our over connected, always-on society, it doesn’t hurt to be one-step ahead in the security game.
Here are 10 ways to protect yourself and keep out of harm’s way.
1.Get back to basics.
Regularly update your computer’s operating system.
Configure your operating system to receive automatic updates for the latest security patches.
Be sure to apply the latest settings by restarting your computer after the updates occur.
2.Don’t be click-happy.
Did you know that 9 500 malicious websites are detected by Google every single day? This stat includes legitimate sites that have been hijacked and those that are designed to spread malware.
Be wary of the links you click.
Remember to hover over links so that you can review the full address before you click.
Take warning messages from Google to heart.
Keep your firewall and antivirus up-to-date and active.
3.Pay attention to the latest social changes.
For example, Facebook recently changed your default email to @facebook.com. This means that a whole new group of marketers and spammers will be able to contact you much more easily than ever before.
Adjust your privacy protection settings and watch out for spam and phishing scams now that Facebook’s messaging system is open.
4. Passwords, passwords, passwords.
Create strong passwords for all online accounts, and include letters, numbers, and symbols.
Longer passwords are more secure and harder to crack.
Choose different and unique passwords for important sites, such as your primary email and financial accounts. If a password gets compromised on one site, it may allow hackers to log into other accounts with the same credentials.
5. Gamers, keep your security software on deck.
If you are serious about online gaming, don’t disable your security software to play thrilling titles, like Diablo III. Yes, experiencing a high speed connection with minimal interruptions is important – but not at the expense of security.
Instead, look for “Game Mode” in your security software. This setting will never interrupt you while you’re in the middle of your game. At the same time, it will keep you protected.
6. Protect yourself against P2P and pirated software.
The best solution is to simply never use P2P sites to download pirated software. Instead, download your files from the original software developer.
But if you still choose to take that risk, you should at least take a few precautions, like reading the user comments before you download the file.
7. Beware of social engineering attacks.
Cybercriminals are scouring social media sites every day to learn all they can about you. They’ll use the information they gather to send you highly targeted emails, pretending to be from your boss, friend, or family member.
Watch what you say online – revealing too much information like middle names, pet names, etc. could be just enough to tip off a cybercriminal.
8. Choose your friends carefully.
There’s nothing like making connections online via Facebook and other social networks. However, you definitely put yourself at risk by not taking the time to filter who you accept into your inner circle.
If you get a friend request from someone you haven’t spoken to in years or someone you don’t know, a social bot may be using this as an opportunity to hack into your network.
They could use your access, information and persona to solicit products and spread malware to others’ computers.
9. Take Care When Downloading Videos.
Online video has really taken off – especially for Gen Y who often spends more time watching videos online than any other group.
Be careful when downloading videos – as this activity could be a hotbed for viruses. If you don’t have the most up-to-date video player, download it directly from a trustworthy source.
Never install software from file-sharing sites when trying to view a video.
Downloading a video by itself should never require running an executable (.exe) file.
10. Be Cautious When Using Wi-Fi Hotspots.
Most people are thrilled when they encounter free Wi-Fi hotspots. But before you connect, verify that the Wi-Fi network name (SSID) is from a legitimate service.
Do not connect to random, unsecured Wi-Fi networks.
Use a Virtual Private Network, if you can. A VPN allows you to route all your activity through a separate, secure, private network, even if you’re on a public one.
Staying vigilant is a good start. But it’s just not enough. Cybercriminals are becoming craftier by the day, and online attacks are never ending.
Whatever you do, it’s important to take basic precautions by following the tips above and making sure you at least have antivirus software and a 2-way firewall on your computer.
Don’t be lulled into a false sense of security – no matter what your age. You will not only avoid becoming another statistic, you’ll also do your part to keep the Internet safe for your online community.
The Workspace And MiWay Announce Entrepreneur Competition
To celebrate their collaboration at Village Road, The Workspace and MiWay are launching a competition for South Africa’s entrepreneurs that will see the winner/s given a major advantage to further grow their business.
Space solutions and coworking specialist, The Workspace, and insurance company, MiWay, recently joined forces at The Workspace’s premises in Village Road, Selby where they have launched an entrepreneurial hub and business development programme in the Johannesburg CBD.
The competition is open to entrepreneurs based in South Africa who have valid identification documents, who run a business with four or less employees and are making an impact in their industry.
“We have always believed in assisting entrepreneurs and small business owners who are members of The Workspace community in whatever way we can. This entrepreneur competition takes it to the next level, giving a voice to our belief in entrepreneurship and its ability to create jobs,” says Mari Schourie, CEO of The Workspace.
Morné Stoltz, head of Business Insurance at MiWay, says both companies are committed to upliftment initiatives and economic development. “The entrepreneur competition is a call to action to those vibrant entrepreneurs out there. Start-ups always need a bit of a hand-up and the winner of this one will have a serious advantage once the competition has gone through its paces,” he said.
Schourie and Stoltz agree they’re looking for an entrepreneur who has reinvented the way business is done in his/her industry. “Someone who has been innovative in the product or service being offered to the market,” says Schourie.
“We are looking for an entrepreneur who has or is busy creating a special environment where employees can flourish, and in the process, potentially creating more jobs,” Stoltz adds. “An entrepreneur who makes an impression on the judges due to aspects such as the business’ social impact, attitude, positive entrepreneurial outlook and a good business mind”.
The prize on offer – worth over R230 000 – will help set-up the winning entrepreneur for a period of 12 months, giving them a boost to help build their business.
All information on the Entrepreneur Competition is available on The Workspace website, including criteria, terms and conditions, and of course, the prizes.
For queries, please email firstname.lastname@example.org
Budget 2018/9: 3 Key Tax Areas To Look Out For In The Speech
High political drama in the opening weeks of Parliament aside, most South African business and personal taxpayers are expecting tax hikes across the board from the Finance Minister’s Budget Speech on 21 February.
As we approach #Budget2018 day, Rob Cooper (tax expert and Director of Legislation at Sage, and chairman of the Payroll Authors Group of South Africa)has a few thoughts about what the Minister could clarify in his statement.
Government already faces a yawning budget deficit, aggravated by the need to find billions of rand to fund a new and unbudgeted-for commitment to free tertiary education.
While some spending cuts could help to release funds, we can expect a one to two percentage point increase in VAT, steep hikes to fuel levies and sin taxes, higher capital gains taxes, and perhaps even personal income tax hikes for high income earners. We’re also likely to get more info on new taxes such as the carbon tax.
Personal taxpayers, with the exception of low-income earners, should probably not expect the Finance Minister to adjust personal income tax brackets and rebates to fully cater for the effect of inflation. In other words, even if your salary is worth less as a result of inflation, you should probably not be hoping for your effective tax rate to come down to compensate.
Here are three other things I’m looking out for in this year’s budget, each of which will have a major effect for employees and employers alike:
1. National Health Insurance
One of the big will-he-or-won’t-he questions the Finance Minister faces this year is whether to do away with the modest tax credit taxpayers receive for their medical aid payments. Government is eyeing an estimated R25 billion in funds from scrapping these tax credits, to be used to fund the incoming National Health Insurance scheme.
Many of us expected Minister Malusi Gigaba to announce this move in his Mid-Term Budget Speech in October 2017, but he held back. The move is likely to be contentious since a National Treasury analysis shows that 56% of the total credits claimed in 2014-2015 accrued to around 1.9 million taxpayers with a taxable income below R300,000.
In other words, the medical aid credit makes decent healthcare affordable to millions of people who might not otherwise be able to afford it. Taking it away could have dire consequences for the health of millions of lower income South Africans and put even more strain on an already pressurised public healthcare system.
Related: Budget Speech: The Impact on SMEs
2. Travel reimbursements and allowances
Travel reimbursements have long been a pain point for many employers and employees. Up to 28 February 2018, a portion of an employee’s travel costs was treated as remuneration when:
- The per-kilometre rate used to calculate the travel reimbursement was greater than the SARS-prescribed rate per kilometre.
- An employee is reimbursed for more than 12,000 business kilometres are reimbursed during the tax year.
- The reimbursement value was greater than the prescribed maximum number of business km (12 000 km for 2018) multiplied by the prescribed rate per kilometre (R3,55 for 2018).
The result was that skills development levies and UIF contributions were added to something that should be considered as an operational cost rather than a payroll cost. This in turn increased the employer’s cost of employment. These levies and contributions were not assessed at the end of the tax year, so employers could not claim a refund.
We have long argued this regulation should be changed to be fairer to employers and employees alike. As a first step in the right direction, SARS has announced a simplification of the travel allowance and the travel reimbursement provisions, with effect from 1 March 2018.
Under this change, only the portion of the value of the travel expenses reimbursed at a rate above the ‘prescribed’ rate per kilometre will be treated as remuneration. However, in future, we would like to see SARS handle travel reimbursements in the same way as it treats subsistence allowances for employees when they travel.
The excess portion of the subsistence allowance will be taxed on assessment, but it is not remuneration for the purposes of Pay-As-You-Earn (PAYE), skills development levies and UIF.
3. Employment Tax Incentive
I’m a fan of the Employment Tax Incentive (ETI) as an innovation geared towards addressing South Africa’s youth unemployment crisis, and the decision to extend the programme until the end of the 2019 tax year is welcome. However, administration of the scheme has always been complex for SARS and employers alike, a factor that has made some companies hesitate to take advantage of it.
Though SARS and the National Treasury have tweaked the ETI over the years, I would welcome further simplification of the definitions and calculations. That said, I don’t expect much news about the ETI this year, apart from alignment with the National Minimum Wage expected to be introduced from 1 May 2018.
Follow us on @SageGroupZA on 21 Feb for LIVE expert insights from the annual Budget Speech.
For more information about Sage’s annual tax seminars, please visit: http://go.sage.com/NPS_18Q1_C4L_ZA_EVCU_HR0310_20thAnnualPayrollTaxSeminarLP
Pregnancy: What Are Employee’s Rights?
From the 12-16 is Pregnancy Awareness Week and a labour law expert talks about rights around pregnancy for employees and employers.
Anticipating the birth of a baby is an exciting time for soon-to-be parents, but it can be stressful for couples as they negotiate companies’ leave policies and a possible reduction of income.
Jennifer Da Mata, Managing Director of Strata-G Labour Solutions, says employees need to familiarise themselves with their employers’ policies to ensure they understand what their rights are. “According to South Africa’s Basic Conditions of Employment Act (BCEA), female employees have the right to four consecutive months’ unpaid maternity leave.
“An employee may commence maternity leave any time from four weeks prior to the expected date of birth, or on a date determined by a medical practitioner or midwife as necessary for the protection of the employee or unborn baby’s health.
“The balance of leave needs to be taken after the baby is born, bearing in mind that no employee may work for six weeks after the birth of the baby, unless a medical practitioner or midwife certifies the employee is fit to resume her duties,” adds Da Mata.
There is no provision in South Africa’s legislation that stipulates when employees need to inform employers that they are pregnant. Employees must, however, notify their employers in writing on when they intend to commence maternity leave and when they expect to return to work.
Da Mata notes that some companies offer paid maternity leave, but this is at their own discretion. “Companies may offer employees full pay or a portion of their salary, as they see fit, but they are not legally obliged to do so. Employees who are not remunerated while on maternity leave are entitled to claim maternity benefits through the Department of Labour.”
And what about paternity leave?
According to Da Mata, employees are not entitled to paternity leave in terms of the BCEA, although one of the major amendments proposed to this Act includes making provision for paternity leave. “It is proposed that 10 consecutive days’ paternity leave be granted to a father following the birth of a child.
“Some companies have already adopted paternity leave as part of their human resource policies. We urge companies that haven’t done so yet, to keep the proposed amendments in mind when reviewing their internal company policies,” he says.
Currently, fathers are entitled to three days paid family responsibility leave during each annual leave cycle for the birth of a child. However, it is likely that this leave entitlement will be replaced by the proposed paternity leave amendments. “While the 10 days leave is great news for fathers, it will take a huge chunk out of their salary if paternity leave is ultimately promulgated as unpaid leave,” says Da Mata.
As a matter of precaution employees need to ensure that their employers have registered them for Unemployment Insurance benefits. This will allow them to receive some benefit while on maternity or paternity leave. “Sections 34 and 37 of the Unemployment Insurance Act, 1966 (Act 30 of 1966), provide for the payment of maternity leave and legislative amendments will be proposed to Cabinet to improve these benefits,” explains Da Mata.
It is important for employers to note that in terms of section 187 (1) (e) of the Labour Relations Act, 1995, the dismissal of an employee on account of her pregnancy, intended pregnancy, or any reason related to her pregnancy, is automatically unfair. The definition of dismissal in section 186 of the Labour Relations Act, 1995, includes the refusal to allow an employee to resume work after she has taken maternity leave in terms of any law, collective agreement or her contract.
Da Mata says employers cannot unfairly discriminate against employees based on their pregnancy status. “If someone is dismissed for being pregnant, the dismissal may be held to be automatically unfair and the employee will be able to claim reinstatement or up to 24 months’ compensation in the labour court.
“Our advice to clients is to adhere to South Africa’s Labour legislation, be clear on their policies about maternity and paternity leave and consider the benefits of being on the right side of the law. This will ultimately cultivate a happy and productive workforce,” concludes Da Mata.
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