Frequently Asked Questions
1. Is it truly safe to use my credit card for online shopping or banking?
This is a top concern, and it’s a smart one to have. The answer is yes, it is very safe if you follow a few golden rules. Always make sure the website address starts with “https://” (the ‘s’ stands for secure). Use strong, unique passwords for different sites—think phrases or combinations of words and numbers. And finally, avoid doing sensitive transactions like banking on public Wi-Fi networks, like those at a coffee shop or airport. Stick to your secure home network. Reputable companies invest millions in security to protect you.
2. I’m so worried about scams and “phishing” emails. How can I protect myself?
The best defense is a healthy dose of skepticism. Scammers prey on fear and urgency. Remember, your bank, the IRS, or Social Security will never email or text you asking for your password, full Social Security number, or account information. Never click on links or download attachments from senders you don’t recognize. If an email from a company looks suspicious, don’t click the link in the email. Instead, open your web browser and type the company’s website address in manually. If an offer seems too good to be true, it always is.
3. All these new gadgets are so expensive. Do I really need the latest and greatest model?
Absolutely not! This is a myth driven by marketing. For the vast majority of tasks that most of us do—email, web browsing, video calls, watching videos—a device that is two, three, or even four years old works perfectly fine. Consider buying a refurbished phone or tablet from a reputable seller like Apple or Best Buy. You get a device that has been tested and certified for a fraction of the cost. Focus on what you need the device to do, not on having the newest camera or fastest processor.
4. I feel like I’m constantly bothering my family by asking for help. What can I do?
This is such a common and heartfelt concern. First, please know that most family members are genuinely happy to help you stay connected with them. To make it easier on everyone, try scheduling a specific time for a “tech lesson” rather than asking for help in the middle of a busy day. Come to the lesson with a written list of your top 2-3 questions. This shows you value their time and helps keep the session focused. And remember, supplementing their help with a class at your local library or senior center can build your independence and confidence.
5. I’m a complete and total beginner. What is the single best first step I can take?
If you are starting from absolute zero, the best first step is often to get a tablet, like an iPad. Their large, touch-screen icons are generally more intuitive and less intimidating than a traditional computer with a mouse, keyboard, and menus. The second step is to identify that one thing you really want to do with it—like see photos of your grandkids or play a digital card game. Then, ask your “tech tutor” for help with only that specific task. Master it, celebrate your success, and then decide what you want to learn next.
Disclaimer: The advice in this article is based on general experience and is for informational purposes. Please research local opportunities and consult with relevant experts before making significant lifestyle changes or purchases.
