2010 was definitely a year that won’t soon be forgotten, at least in terms of malware schemes and hardware hacks. Just think about the various threats that I have written about – Twilight malware, World Cup searches, misdirecting links, etc. – and then add hundreds, maybe even thousands, more. The key to protecting yourself from data hacking, computer crashes and other problems is prevention more than damage control. Informing yourself about threats is the best way for you to stop them dead in their tracks.

Luckily, an article from Bank Info Security exposes the nine ways that we may be virtually attacked in 2011. If any of these concern you, please educate yourself on data protection:

Mobile Banking – Be careful when carrying out bank transactions on your mobile device and/or smartphone. The technology is new, so it is always open to attack.

Social Networks & Web 2.0 – Look out for suspicious links and requests on social networks and on your smartphone. They could expose you to predators looking to hack your device.

Malware, Botnets and DDoS Attacks – Attacks on e-commerce sites are extremely likely and more prevalent than ever. If you think your financial info has been compromised, call your bank and the online store immediately.

Phishing – Put simply, don’t respond to messages that aren’t from people you don’t know on instant messaging software.

ACH Fraud – The overall number of ACH attacks have caused a lot of damage to banks and their customers, resulting in millions of dollars lost to criminals. For more information, click here

Cloud Computing – Lots of tech-saavy people are demanding cloud type computing, which allows users to access their data from any computer in the world. If you begin to use these services as they become available, be careful about how you access.

Inside Attacks – If you have recently released an employee from your company, make sure they are not able to access your servers and/or network again.

First Party Fraud – An offshoot of identity fraud, this scheme involves accepting credit without intending to pay it back.

Skimming – Be careful when swiping your card at suspicious looking gas pumps or ATMs. Criminals are finding ways to slip their own data collector on top, allowing them to steal your information and money.