Schools are back in session, so leaf raking can't be far behind. But first we have business income tax returns (1120 & 1065) with extensions which are due 09/15 and extended 1040s due 10/17. So, we are still busy, busy, busy.

•  Verify the security of a website before entering your information. Check if the website is legitimate by looking closely at the address bar at the top of your web browser page, noting if it is colored green. Or alternatively, locate the symbol in the address bar that looks like a lock, which indicates that you are on a secure website. Furthermore, when you are on a secure website, you should read "https" at the start of the web address. This specifically indicates that any information sent through the site is protected and not vulnerable to being intercepted. If you do not find an "s" following "http," do not enter your personal information. 

•  Only download banking apps that are affiliated with your bank. Always be sure you are using the application that is provided by your financial institution and not a third party. To help avoid personal information leaking or falling into an online scam, download the official app and login to online banking via entry points found on the official website. Furthermore, do not save your credentials on any device that is not completely private, and always remember to log out.

• Instead of creating a 'password,' create a 'passphrase.' There is a lot of excellent advice for creating strong passwords that are not easily cracked, such as using numbers and special symbols. Other password standards advise users to make passwords based on a phrase using the first letter of each word, perhaps taken from a memorable quote, or a song lyric. When the password length permits, we recommend using an entire secret phrase to add another layer of complexity. A security passphrase of 15 characters or more is far stronger, as it can often defeat a password guesser or cracker and is often considered good protection for up to a year.

• Two-factor authentication. Another way to be certain that your information is securely stored is to use two-factor authentication. An example of this is verifying your account by having a passcode sent to your private email account or your mobile device. While it may take extra time to complete the initial login, you can rest assured that your account is only being accessed by authorized individuals.