Category: Online Safety for Kids

With the rise of online banking and payment services, it’s important to teach your children how to use online finances responsibly. Unfortunately, more digital transactions mean greater risk for young people who are unaware of how to keep their data safe. This article shows you how you can protect your children.

The Rise of Mobile Banking and Finance

Mobile banking has risen quickly over the last decade. In 2012, only 21% of cell phone owners around the world used digital banking services.  While some people are still more hesitant to use online-only banks, that figure has grown to 89% of all Americans. The number of those who access their own bank’s digital services is growing as users ditch paper statements to reduce paper waste.

Digital finance is a growing trend among young people as well. With the increased popularity of digital investment apps, online loan services, and accessible payments via social media and other services, the generation that grew up online is content keeping all their finances digital. The pandemic has also elevated their use of online financial processing.

4 Ways to Teach Your Kids To Protect Themselves

While there are plenty of opportunities for kids today to manage all their money virtually, there is also plenty of danger. Compromised or stored passwords, threats from hackers, and online companies selling data are just some of the threats they face. Here are four ways you can help your children to protect themselves.

1. Teach Your Kids About Online Security and Safety

No matter what age a person is, everyone should be aware of how vulnerable their data is when they are online. Their information can be shared, stolen, or manipulated. Even their very identity is at risk.

Teaching your children to protect their online profiles is your first priority. For example, help them to develop good password management habits, including writing strong ones and keeping them safe and secret. They can also download software that helps them keep their passwords secure.

Even with a robust password, kids need to understand that his or her data is not necessarily private. Companies store and use profiles from social media and other apps for marketing, demographic information, and more. They may also sell that data to third party firms.

It’s important to know that since the pandemic, both children and predators are spending more time online. Your kids can be targeted whenever they are on social media or online gaming. Teach them to practice good internet safety habits, such as not sharing personal information with strangers and avoiding suggestive screen names.

Mastering these internet privacy skills is important as your children expand their use of online finances. Show them how to use technical tools to protect themselves, including cookies, private browsing, and antivirus software.

2. The Pitfalls of Online Shopping

Online shopping today is even simpler than placing an order at Amazon. Maybe too simple. Money can be sent in the blink of an eye, without needing excessive verification. That also means it’s easy to give your money to the wrong people or to send money unintentionally.

One of the most valuable things you can teach kids about is the dangers of online shopping. Walk them through an online shopping experience: teach them how to double-check the cart, why it’s unsafe to store credit card data, and what information they should never give out. For example, a legitimate online shop will not ask you for your social security number.

3. The New World of Electronic Payments: Facebook and Venmo

Be aware that your children might send money to an online vendor through Facebook, such as buying an item that a friend has made. While Facebook has its own security measures, teach them only to purchase from people they know in real life to protect their money. You should also teach techniques to secure their Facebook accounts, such as two-factor authentication.

Venmo is another popular app for online money transactions, however, you must be 18 years old to use it. Parents should know that Venmo transactions are public and, therefore, visible to everyone. If they make an accidental purchase, it can be more difficult to get their money back, so instruct your children to be highly cautious when using this app.

4. Helping Your Kids Avoid Bad Debt

Digital apps are now available that allow everyday people to invest or take out loans without a lot of experience or collateral. To protect them from unsound financial decisions, you need to teach your kids about debt. Explain concepts like the importance of credit scores, how to manage a budget, and why debt can have a good or bad impact on their financial future.

Teaching them to manage their bank accounts is important too. Paper bank registers may be a thing of the past, but online banking applications offer a variety of aides that can keep your children on top of their accounts. Tools like alerts and automatic savings deductions, along with regularly keeping track of online statements, can help your kids safely manage their money.

There are also budget management apps available. These can be useful but remember to tell your kids that the more apps they use for fiscal planning, the more they are vulnerable to theft. Limiting financial apps to a very few is a good way to keep your child’s data safe.

The rise of mobile banking, online shopping, and digital family financial planning provide a lot of options for your children to manage their money. However, they also put them at great risk. Teaching them safe financial practices can help them make wise choices while keeping their data and money safe.

Equipping kids how to resist consumer debt in general goes hand in hand with raising them how to be responsible consumers through all the stages of their lives.

It’s true that the modern generation is far more tech-savvy than we ever were around their age. Almost everything they do, from learning to leisure, can be done online.  And as you know, the internet can be a dangerous place — there’s no shortage of online trolls and predators just waiting to create trouble… or worse.

You certainly don’t want your children to fall victim to cyberbullying or to discover they’re turning into bullies themselves. And it’s a parent’s worst nightmare even thinking about predators talking to their child online.  So, just as vital it is to teach your kids digital etiquette and rules of safety in the offline world, teaching them how to be responsible cyber citizens is equally important (and perhaps more so!).

With this in mind, we’ve outlined five online behaviors to teach your kids when they’re still young. Consider this a crash course in online etiquette for the little ones in your life.

Keep Private Information Private

First and foremost, and it goes without saying, make sure your kids understand that private information should never be shared online.

Explain to them that things like their home address, phone number, social security number, bank account details, etc. are meant to be confidential, so they should never add such sensitive information to their social media accounts or share it anywhere online.

Also, things that are personal — such as thoughts and emotions — are best shared in person with family, not over the internet with strangers.

Think Twice Before Posting or Hitting “Send”

Remind your kids that once something is posted online, deleting it does not necessarily mean that it’s gone from the internet — it can be found again. So, just like in real life, it’s always a good idea to think long and hard before posting something, commenting, or hitting “send.”

And it’s not just about typos or grammatical errors. At this young age, it’s easy to dismiss questionable posts or comments, but what happens when it’s time to apply for college or a job?

Prospective employers and universities often conduct an online background check — including social media — and even an old post can damage your kid’s reputation.

In fact, 31% of college admission officers visit the applicant’s social media profiles to learn more about them, and 30% of institutions have rejected an applicant due to information they found online.

So, encourage your kids to be scrupulous when it comes to their online activities to ensure they don’t post or say something that may be misconstrued or deemed offensive.

Be Polite and Respectful

This is one of the most crucial etiquettes to instill in your kids’ minds. Rude behavior or being hurtful to others is not acceptable whether the interaction is online or off.

So, here’s what you need to remind your kids about being digitally aware when taking part in online conversations:

• Treat others how you want to be treated.
• Don’t say anything that you wouldn’t say in-person and also mind your social media manners.
• Never type when angry, you may say something that you’ll regret later or spark unnecessary conflict. Respond only when you’ve cooled off.
• Don’t spread rumors or post insulting comments. Keep your tone polite, positive, and truthful.
• It is always best to discuss sensitive or tense issues with the person directly instead of posting something online or sending a mean message.

Don’t Interact With Strangers

Let your kids know that just as they wouldn’t talk to complete strangers in-person, it’s a good idea to not interact with unknown people online.

They have no obligation to accept friend requests or to follow people back. If they don’t know someone in person or don’t spend time with them offline, then there’s no reason for the child to connect with them online. They have the right to choose who they want to converse with, and as their parent, you must teach them to choose wisely.

Interacting with strangers is common when playing online games, and that’s fine in some cases, but they should always set boundaries about what they share and block people who are pressuring them.

Make it clear that it’s easier for people to hide their true identity and intentions online, so there’s nothing wrong with blocking people if they feel the need to.

Dodge Digital Drama

Let your kids know that they won’t always agree with everyone online. Clashing opinions can sometimes be upsetting or infuriating, but it’s essential to learn when to exit a conversation if things are getting rude or nasty.

Instant messaging, posting comments, or tweeting are all spontaneous communication — which makes it fun — but it’s easy to get carried away and start a heated argument that serves no purpose except causing more mental distress.

So, teach your kids to log off, not reply to the message, or refrain from posting a negative comment when they spot needless drama erupting. It’s best to exit the conversation and deal with the matter in-person if need be.

Over to You

Teaching digital etiquette takes time, and you’ll need to have multiple conversations with your kid(s) to instill these best practices. You’ll have to explain the why behind everything, as that’s how your kids will continue to believe in these manners even when they’re adults.

Finally, don’t worry about being perceived as a controlling or overprotective parent by friending/following your kids on social media, frequenting their online activities, and setting boundaries — it’s a way to keep them safe online when they’re not old enough to know what’s best for them.

About The Author – Rob Gabriele is a professional writer and editor at SafeHome.org. He has a rich experience in the field of home security technology and smart home automation and a passion for distilling complex tech information into easy-to-read and enjoyable content. This lends well to writing and publishing content that empowers people to stay safe and secure in this rapidly changing world. When he’s not crafting premier content in this niche, Rob spends his time reading, enjoying the outdoors, or trying to master his air-drum solo of ‘In the Air Tonight’ by Phil Collins.

The online world is a very helpful place, brimming with content that helps your child learn and apps to keep youngsters connected with family members. However, there are negative sides to the web too. Today, we’re going to look at ads in kids’ apps and how they can manipulate your child.

Parents today have to be diligent about making sure their kids don’t share too much information online and ensuring that they are protected against cyberbullying. Even the apps your children use can have issues that need to be addressed.

The Problem with Ads on Kids Apps

Most of today’s app creators and business leaders use display ads to make money – and that applies whether you’re accessing an app for children or one for adults.

One study discovered that some apps are even designed to make children feel guilty if they don’t pay for in-game content.

Other apps have earned backlash from parents over the years because they serve adult-themed content, even though the apps themselves are tailored to children. Certain groups are starting to take steps to prevent kids’ app creators from adding dangerous or inappropriate ads to games and educational apps.

In the meantime, as the FTC examines the ad practices used by developers, here are some malicious practices your kids need to be aware of.

Dangers of Sharing Private Information

Children don’t always have the best grasp of the dangers associated with sharing information online. They don’t know what dangerous people might be able to use their address or phone number for. They often feel comfortable revealing information that they perceive to be common knowledge, like their age or full name.

To ensure that your child’s protected from ads trying to gather personal information, make sure your kids know the difference between sensitive and safe information. It might be helpful to give your child a list of information they should never share online that they can check if they’re unsure.

Tell your children to come and get you if an app ever asks for information that they’re not sure is “private” or not.

Your children should always feel comfortable coming to you about anything they’re unsure about when they’re using the online world. Make sure you create an atmosphere that supports open communication about internet safety and the digital landscape.

Excessive Amount of Ads You Can’t Control

If a child comes and asks you whether they can download an app on their smartphone or tablet, it’s usually a good idea to check it for yourself first – before you agree.

Examine the app for yourself after installation to make sure that there aren’t many ads that will overwhelm your child. You may need to explore the app in-depth for a while before you start seeing the different ad options available.

Even if the app seems to be appropriate for your child’s age range or the app is educational in nature, there’s always a risk that it’s packed full of ads that your children can’t control.

It’s also worth doing some extra research online by checking out comments and reviews left by other parents.

Searching for the name of an app on Google should give you some insights into the kind of content it shows. You can also check the app ratings on the Apple or Google play store. If you notice other parents warning people away from the app, don’t allow your child to download it.

If you can’t find any information about the app online at all, then this could be another bad sign. It indicates that the company responsible for the app may have deleted negative comments.

If your ban on the app is met with your child’s protest, the best way to address it is to be open about why you don’t agree with them using the app.

You can discuss any negative comments or bad practices the app developers are using – in an appropriate manner, of course.That way, your child will become more sensitive to certain topics and issues should they arise in some other app they’re using.

Avoiding In-App Purchase Ads

It’s becoming increasingly common for modern app developers to list their apps as “free” only to overwhelm children with a host of things that they need to pay for once they’ve set up an account.

These “pay to play” games encourage children to pay for extra lives or in-game content and can even guilt them into feeling like they need to spend their parents’ money.

Although you can always set limitations on your child’s phone and tablets that prevent them from being able to make a purchase in an app, it’s best to avoid games and apps with internal purchases entirely if you can.

Usually, you’ll be able to see whether in-game charges are an issue on the description for the app on the Google or Apple store.

If your child comes to you asking for money for an app that they’ve downloaded for educational purposes, make sure that you carefully check the terms and conditions of the purchase.

Ensure that purchasing a specific item doesn’t mean that you sign up for any recurring subscriptions or open the door to new ads.

Apps for Children Shouldn’t be Filled with Ads

Nowadays, many businesses develop mobile apps because they offer various benefits – from data collection to targeted mobile marketing messages in order to increase sales or awareness. However, while adults can easily detect dishonest practices, for kids, they may not always be that obvious.

A great app for children should be a source of education and entertainment. The best apps can help your child to develop new skills and provide them with access to useful information. Good apps can also be an excellent way to keep your child’s mind active and help them with all kinds of learning challenges.

While the occasional ad may be a necessity with some apps that need help to pay for development and building processes, your children’s apps shouldn’t be riddled with ads.

Until the FTC and other groups can work together to limit the kind of advertising children are exposed to on smartphones and tablets, it’s up to us as parents to carefully assess and choose the right apps for our children.

Ashley Wilson is a digital nomad and writer for hire, specialized in business and tech topics. In her self-care time, she practices yoga via YouTube. She has been known to reference movies in casual conversation and enjoys trying out new food. Contact Ashley.

Nimble Numbers

Do They Tell the Truth in Advertising?

Numbers will scream at you all your life. “9 out of 10 dentists recommend Sparkle tooth paste.” “70% of people prefer dogs over cats.” “66.6% of all girls prefer the color purple over the color pink.” Websites and textbooks and advertisers often have numbers for everything. But are those numbers always true?

Those numbers are most commonly found by asking people to answer a question with one or two answers (a poll) or a series of questions with a larger choice of answers (a survey). By asking the right questions, polls and surveys can get answers that don’t quite tell the truth.

Let’s look at advertisers who use dentists to sell a dental product. And imagine that you’ve just invented a brand new tooth paste that tastes like candy floss. You take samples to ten dentists and ask them if they would recommend it to their clients.

The dentists try the tooth paste and, while other tooth pastes they know would be better at dental care, they see nothing wrong with Candy Floss Paste. They know that some kids don’t like brushing their teeth and think that maybe they would be more likely to brush if the paste tasted like candy floss. Nine give you the recommendation.

The tenth thinks, “Well, this won’t hurt anyone, but other brands work better and still taste good.” He doesn’t give you a recommendation.

Still, you can brag that 9 out of 10 dentists recommended your paste. But what if you had given the dentists your paste as well as one of the most effective and yummy-tasting brands and asked which they would recommend? Think about it—then think about whether or not 9 out of 10 is really the truth.

Another way numbers can lie is found in who you ask.

Imagine you stand outside a dog show and ask all the people coming in to watch the show: “Do you prefer dogs or cats?” Of course, most of the people will say they prefer dogs. After all, they are going to a dog show. If you want to get a poll that says more people prefer cats, take your poll outside of a cat show.

You might think this is an obvious example, but consider that many polls and surveys take place in your favorite shopping mall. Teenagers in a mall would be more likely to say yes to the question: “Do you plan on buying a new cell phone in the next year?” If you asked that same question in front of a senior citizen’s home, what do you think the results would be?

Now think about how you would get 66.6% of girls to say they preferred purple over pink. Here’s one way: Go to a schoolyard or mall and look for girls wearing purple. Ask them if they prefer purple over pink. If they are wearing purple, chances are very good that they will say that they prefer purple over pink. One, though, might prefer pink but didn’t have an clean pink shirt to wear that day.

Here’s another way. Get a celebrity or a person who resembles a popular singer. Dress that person in an expensive, cool purple shirt or dress. Studies have shown that people will give poll responses that they hope will get the approval of the attractive person asking the question. That answer might not be the truth, but it might help make purple more popular.

Next time you see a commercial or read a news story with a percentage in it, think about that number. More importantly, think about how that number was created. That number might not be as true as it sounds.

We’ve explored claims made in advertising.  Now, let’s explore statements of fact made in the news stories.

KidzSearch Instant Answers is a new search feature specifically designed to help students find the information they need. It integrates many different sections of KidzSearch to help kids discover what they are searching for, including younger students who often have difficulties doing online searches to find relevant content.

Instant Answers

Instant Answers provides high quality reviewed information related to all searches next to the regular KidzSearch safe search results, such as the student encyclopedia with over 200,000 entries designed just for kids with simplified articles.

Another example of Instant Answers is for KidzTube, which contains over 50,000 handpicked high quality learning videos, as well as Wiki for Kids. Other items include educational games, related topics, AI tutoring, and more.

The information presented via KidzSearch Instant Answers is visual with large safe images and simplified summaries. It also has links to get more details. This can help students get a general feel about a topic.  While it might directly answer their question, it can also help a student do a more refined search, or to expand their search in areas they were not aware of before seeing the topic information.

AI Search Results

The search results use artificial intelligence (AI) and advanced algorithms to provide a virtual tutoring experience while they do their online research. The AI system might show them the answer to a math question and offer step-by-step tutoring on how it was solved or give a related student-focused article. It is like having a virtual tutor with them when they do their online research.

Performance is very important. With each search, multiple technologies go to work in the background to integrate content in fractions of a second. The entire system has taken years to develop and will keep improving as the company moves towards adding AI tutoring to the online student search experience in a seamless manner.

Try Instant Answers for Students

Students often have a lot of quality educational resources, but they may not know where to start. KidzSearch Instant Answers provides a solution to this problem by moving high quality reviewed resources to them. An API is also being developed that can allow companies to tap into these features to help power their educational applications.

Whether you are a student, or a parent committed to staying informed about internet safety technology, the safe search tools we provide in partnership with KidzSearch is our highest priority.  Safe research resources allow anyone of any age to seek out the information they need with a much lower risk of being exposed to harmful content.

A Brief History of Google SafeSearch

Google is over 20 years old.  On November 11, 2009, a few years after becoming the world’s most popular search engine, Google introduced the ability for users too lock safe search settings for the very basic level Google’s web and image searches.

On December 12, 2012, Google removed the option to turn off the filter entirely, requiring users to enter more specific search queries to access inappropriate content.  However, the safe search filtering was and remains to be a basic level of filtering.

Safe Search Kids was founded on July 16, 2009 to provide Google basic filtering from our website, but it was only in recent years that we partnered with KidzSearch to use their strict filtering API to block bad search terms and spelling variations that are likely to lead to bad websites.

In addition, 1000’s of website domains are blocked from appearing in the results that many other free parental control filters allow.  In addition, the whole search experience, with kid-focused meta-content/results and a more visual experience is improved with a search designed for them.

We encourage schools and parents at home to use us as a one stop gateway to safe search tools for the safe surfing the web, images, wiki for kids, and safe videos.