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Every two seconds someone has their identity stolen. The holiday shopping season is in full swing and the scammers, crooks and identity thieves are on the prowl.

Financial guru Deborah Owens joined Roland Martin on “NewsOne Now” to discuss what you can do to avoid becoming the next victim of fraud and how to keep you, your identity and your money safe from would be thieves this holiday season.

One thing people can do to avoid being taken advantage of online is to be aware of phising schemes. These schemes present fake web sites that look like real web sites of retailers, banks and other financial institutions.

Owens told Martin people can protect themselves by looking  at the URL and making sure that there is an “http” and an “s” in the address.

America’s wealth coach advises people to not “click on anything. Go to the actual website” of the online retailer you wish to purchase merchandise from.

“The reason why this is so important at this time of year is because our guards are down.” Owens added, when we’re on a mission “to get that perfect gift what you need to understand is that [you] don’t [want to] make yourself somebody else’s  gift.”

Part of protecting yourself from potential thieves involves “being aware of your surroundings” and being conscious of what you are carrying on your person when you go out shopping.

Owens cautioned us to not take all of our credit cards with us when we go shopping. She said, “one credit card and some cash is probably what you want to do so in the event, if something does happen” everything is not stolen and you don’t have to try to create all that information again.

Listen to Deborah Owens’ tips on how to keep you, your money and identity safe from criminals this holiday season below.

Be sure to listen to “NewsOne Now” with Roland Martin, weekdays at 7 a.m. EST and watch at 9 a.m. EST on TV One.

Subscribe to the “NewsOne Now” Audio Podcast on iTunes.

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