Dec. 25, 2024

Savvy Cybersecurity - 10 Threats Every Person Faces & How to Fight Them Now

Savvy Cybersecurity - 10 Threats Every Person Faces & How to Fight Them Now

Protect yourself from cybersecurity and identity theft! Find out what your score is when you take the cybersecurity exam and see how you are doing with protecting your email, protecting your home and wifi, and protecting your bank account. Cyber...

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Protect yourself from cybersecurity and identity theft! Find out what your score is when you take the cybersecurity exam and see how you are doing with protecting your email, protecting your home and wifi, and protecting your bank account. Cyber criminals are lurking, trying to find ways to get your personal information. Protect your credit cards at the big three credit agencies by freezing your account.

Ask Good Questions is broadcast live Wednesdays at 6PM ET on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Ask Good Questions is viewed on Talk 4 TV (www.talk4tv.com).

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WEBVTT

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The topics and opinions expressed in the following show are

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solely those of the hosts and their guests and not

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those of W FOURCY Radio. It's employees are affiliates. We

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make no recommendations or endorsements for radio show programs, services,

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or products mentioned on air or on our web. No

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liability explicitor implies shall be extended to W FOURCY Radio

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or its employees are affiliates. Any questions or comments should

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be directed to those show hosts. Thank you for choosing

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W FOURCY Radio.

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Welcome to to Ask Good Questions podcasts, broadcasting live every Wednesday,

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six pm Eastern Time on W four CY Radio at

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W four cy dot com. This week and every week,

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we will reach for a higher purpose in money and life,

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as well as a focus on health and wellment. Now,

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let's join your host, Anita bell Anderson, as together we

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start with Asking Good Questions.

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Hey, you're here. I'm so glad you're here. Hey, my

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name is Benita bell Anderson, and today we're going to

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talk about cybersecurity. Can you believe it? We are going

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to talk about cybersecurity, and I'm going to get you

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guys ready for anything that's out there. With any bad

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guys that want to come and try to get you.

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So got a slide deck for this, So let's get started.

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Oh did you know every two seconds? Two seconds?

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Can you believe it?

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That's how often someone deals with identity theft, it becomes

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a victim. Last year there were over fourteen million victims

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of identity theft and fraud. Can you believe that? It's unbelievable.

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So the problem is are you one of those fourteen million? Well,

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you probably are, I have been. I know that, and

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the statistics say most likely. The past few years have

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given us record breaking breaches. You see only a few

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of the big ones listed here. LinkedIn exposed data of

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over seven hundred million people. Facebook five hundred and thirty million,

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but Yahoo was the biggie with three billion accounts compromised.

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So these are only some of the breaches that have

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occurred in the last few years. Given those statistics, it's

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likely that your personal information has landed in the hands

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of a hacker. So, in addition, new threats are exposed

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every day. Even as we sit here now, a vast

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array of cyber are pounding at the walls of security

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networks built to protect you and your digital persona on

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the Internet. So, and what I'm going to say next

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sounds a bit dramatic, but it's completely true. There is

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a world of dark forces and criminal networks that conspire

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day and night to steal your username and your password,

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obtain your social security number, open credit cards in your name,

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drain your bank accounts, and seize your computer to hold

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it for ransom. Can you believe it? So, here's here's

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the challenge. This is from a book called Cybersecurity and

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Cyber War, and the authors of this book basically contend

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that a cyber world war is underway and we're all involved,

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even though we may not know it. Our biggest problem,

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they say, is that we face a cybersecurity knowledge gap. Yep,

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that's why I'm here today. I'm worried for all of us, myself,

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my family, my clients, and the community. It's a serious,

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growing problem, but I don't think it's a reason for despair.

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Most people don't realize how vulnerable they are and what

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they can do to maximize their security. We're going to

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change that today. By the end of the podcast. Today,

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I guarantee you will leave better prepared to protect yourself,

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your family, and your business. From the quietly raging cyber

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wars that are targeting us. All right, so I always

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say start with asking good questions. So today I am

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here to help you discover the right things to do

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to create a personal cyber secure system that will keep

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you and your family safe. And first you're going to

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take a short exam. Now I recognize this. This is

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this is an exam that you can download. You'll see

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the link going across the bottom. Go to the download

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link at Ask Good Questions podcast dot com and you

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can download a copy of this. So I'm going to

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be referring to this and this is where you're going

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to take a look and check on yourself and what

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you can do. So at the end of the podcast,

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and I'm going to ask you to fill out the

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action pledge, which is on the back. There's two pages

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to this thing. So there's an action pledge where you

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can say, Okay, these are the things I'm going to do.

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This is a really really useful checklist of things that

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you can do to help increase your preparedness. All Right,

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you'll tell you'll take three actions and you'll you know,

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make a plan for yourself of how you can take

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care of it, so I really appreciate you think you know,

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I really thank you and appreciate you being here with

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me today. I am a financial advisor, I'm a coach,

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I'm an author. Just had another book come out regarding

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financial issues for divorcees and widows, but that's not the

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topic of today. But that group definitely has issues, right,

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all of us do. So we have a lot to cover,

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So we're going to jump in, all right. So if

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you're not able to do this now, then that's okay.

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You can just listen to this and then go and

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get that. But if you can take the cybersecurity quiz

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while we're going through and doing this, and you're going

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to mark yes or no for each question, So if

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you're not able to download this now, let me tell

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you what those questions are. So number one question, is

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I have one email address that I use exclusively for

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my online financial accounts, banking, credit cards, payment services, brokerage,

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et cetera, and nothing else. Yes or no? I have

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two step verification or two step two factor authentication is

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sometimes what it's called turned on for my email and

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online financial security. Yes or no. I can spot the

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difference between dangerous free public WI Fi and useful, secure,

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free public Wi Fi. Yes or no. I understand how

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to tell if my home Wi Fi network is vulnerable

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to hackers and how to boost the network security. Yes

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or no. Whenever any money leaves my bank account or

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my credit card is charged, I'm alerted to the transaction.

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Yes or no. I have complete control over my credit

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files at the big three bureaus Equifast, Experience, and TransUnion

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because I have placed them on the highest security level.

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Yes or no. I have confirmed with the credit bureaus

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that my minor children have not been victims of identity

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theft and frozen their credit files. Yes or no. I

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run an updated antivirus software program on my computers and devices.

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Yes or no. I always make sure that my computer

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and devices have the most up to date software programs,

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including operating systems, browsers, Microsoft Office, iTunes, player virus protection,

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wireless router and Adobe programs. Yes or no. I have

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a system for ensuring that I can recover from a

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ransomware phishing attack without paying an extortion fee to a criminal.

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Yes or no. Now give yourself five points for every

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question answered with a yes. Add those points to get

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your score, and then consult section B to get your

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cybersecurity rating. So if you got forty to fifty, that's

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really great. If you got thirty five to twenty five,

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that's okay, and if you got zero to twenty then

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you're in danger. So that little rating thing is down

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at the bottom. So this is kind of just the beginning.

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Is awareness, right, is making sure that you're aware. So

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let's take let's learn the new cybersecurity rules. All right,

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So there's three rules going to get to my there's

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three rules that we're going to deal with, and I

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believe you can develop those mindsets to strengthen and maintain

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your cybersecurity so that staying safe is a simple thing

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for you. These three mindsets cover various parts of your life, right,

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and overlap to form a sweet spot of actions that

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will boost your cybersecurity score. Each mindset alone provides greater security,

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but if you combine all three of them, that really

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will help make you more secure. The mindsets are secrecy, omnissance, omniscience,

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omnissence I'm not sure sure how you pronounce that, and

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mindfulness right, okay, And if you're wondering what that word means,

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I am going to talk about it. So it can take.

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Each of those areas can binds a set of actions

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for people to take called the new cybersecurity rules. And

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I'm going to explain all three mindsets and the associated rules.

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And so let's take a look at the first one,

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which my key idea one is adopting a new level

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of secrecy. All right, we're going to be secret. Can

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boost your security and your cyber confidence. We all need

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more security and secrecy in our life when it comes

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to this, and this mindset of adopting a new level

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of secrecy is really all about keeping your personal and

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private data safe. With all the massive amounts of data

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breaches that is suffered by corporations and governments, we need

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to act as if our personal data already exists in

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the hands of cybercimals, which it probably does. We all

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need to draw a tighter ring of security around our

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personal data. And that starts with your email. Were you

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expecting that? So? Our email address is the key to

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our digital lives. I'm going to tell you a story

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about that. We share it with countless businesses, organizations, and people.

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If you use the Internet for any amount of time,

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you've entered your email address and a host of online

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accounts for shopping, travel, exercise, gaming, dating, who knows what else.

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We don't think twice, but having your email address in

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so many databases puts you at a significant risk. Hackers

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routinely breach the security networks of many organizations that hold

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your primary email address, and that's stolen. Personal data haired

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with poor email security can lead to disaster. Here's what

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Robert Cicliano, who's the CEO of Identity theftsecurity dot com

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and he's a security writer, he says, it has been

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said that if you own a person's email, you own

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the person. That means that once your email is hacked,

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pretty much your entire digital life is up for grabs.

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So even if you've done your due diligence to have

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all your passwords be different, if your email is hacked

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and it's associated with your other online accounts like bank accounts,

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the hacker could simply use a reset password and get

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access to all your other accounts. Remember how at the

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very beginning I talked about having in the in the

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quiz there was the very first thing was do you

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have a separate email just for your online bank and

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financial accounts. So here's a story for you about this.

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This is a professor and a software security expert who

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bet a friend of his that he could hack into

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her bank account with her permission. He began. He first

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simply googled her name and stumbled upon her blog and

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an old resume. From the blog, he got her personal

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email address and her old college email address from her resume.

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Now he was on his way, so he was able

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to use the forgotten my password feature on her college

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email account to get in using the personal information listed

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on her resume. Once he reset that password, he was

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able to reset her current email address, having the link

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sent to her college email. Once he was in her

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personal email, he could reset her online banking password. Now,

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you may not care if someone hacks your food network

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or your Yelp account or anything else. That doesn't really matter,

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but you certainly don't want your online banking exposed in

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the same way. So that's why you need to create

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a separate secret email for your financial accounts. That email

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address should be unidentifiable. It don't use your name, don't

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use your first name, your last name, your initials, or

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other identifying information. It should also be protected by a

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strong and unique password. So a separate email address reduces

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your digital footprint. And if your primary non financial email

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address is exposed in a hack, it's not connected to

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your financial accounts. Okay, so this is a key step

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in boosting your security. That's a biggie. That is really

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a biggie. So we're going to talk about beating the parrot,

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the password paradox. So we're talking about good, strong passwords, right,

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So here's some ideas on how to do that. We

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have a hard time remembering all the passwords that are

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out there, right, So how long does it take for

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a computer to crack one thousand week passwords? Seventeen minutes.

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One reason for this is that people choose passwords that

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have less than six characters, or they use names dictionary

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words rather common passwords like password or one, two, three, four,

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five six. So here's another story for you. So this

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is a creative director that took the password paradox head on.

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Following his divorce. He wanted to focus on the positive

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aspects of his life instead of being annoyed when he

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had to change his password every thirty days for work.

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He had decided to make a challenge for himself. So

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every thirty days he would choose a new goal and

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turn that into his password. For example, his first password

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was forgive at age three R, which basically meant forgive

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her and was directed to his ex wife. But after

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thirty days he changed his password to quit smoking forever,

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and he did, and he found a way to take

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the ordinary password and improve his life. So there's other

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ways to think about about passwords as well. So oops,

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I don't want to go there quite yet. You could

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create what's called a mnemonic. So a mnemonic is going

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to be a phrase with numbers or symbols. Like one

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example is a woman that I know that took the

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first line of her prayer she says every day and

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uses the first letter of each of the first ten

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words of the prayer. Right, So that's one way to

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think about it. She adds some numbers and symbols and

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it creates a very strong password. Or you could use

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a poem or song lyrics or a phrase so you

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see an example here with that, Or you could try this.

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You create a password like what I was just talking

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about in that story that embodies a goal that you're

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trying to reach, such as exercising, quitting smoking, saving money,

250
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something like that. This is especially good when you need

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to change your password every six months, and each time

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you type your password, instead of it being a negative

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drag on your brain, it's something that's like reinforcing you.

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You're thinking about it in just a tiny little way,

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so you can get as creative as you like. By

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the way, on the back of your reference guide, which

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is also your your tests that you're going to download

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over here on this side of it, there is information

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about a password letter to symbol conversion charts. So up

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here in this corner, on this corner, you're going to

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find that that will help you with with creating some

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unique passwords. And there's something fun that's out there too.

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There's another technique called dicewaar. Here, you roll a dice

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five times and record each number. You repeat that process

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four more times so you have five five digit numbers.

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Then you go to www dot dicewear dot com and

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match your five digit numbers to a list of seven, seven,

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and seventy six words. You can also just go on

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the diceware website and do that digitally and roll dice

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digitally so those random five words become a password. So

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that's kind of fun to do. You may be thinking

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how am I ever going to remember any of that. Well,

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the last thing you see here on the screen is

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using some kind of password manager. There's a bunch of

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them out there now, nord Pass, Roboform, one Password, There's

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several out there for you to take a look at,

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So choose the one that works the best for you, right, Okay,

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So we're moving on to the rule of enabling two

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step verification. Creating those strong passwords is just the first step.

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We need to put another lay of security in there.

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And so that is a relatively new trend in online

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security called two stepification or two factor authentication. And so

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when you start to log in, and I'm sure you've

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seen this, you send a short lived, one time passcode.

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I see this all the time with everything that I do,

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And so you have to put that in that verifies

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who you are, and that will come up and be

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something that you can just expect to have happen. It

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stops your accounts from being hacked because it requires two

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separate things. Something you know your password and something you

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have that temporary code. So even if a hacker has

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your password, you won't gain access because you have that

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passcode on your cell phone and that's the only place

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where it is. So if you get a code and

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you're not trying to log into something, then you know

296
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something is up and at that point you need to

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go change your password and do something about it. You

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00:22:06.440 --> 00:22:08.880
don't have to worry about entering a code every time

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you log into your account because a lot of times

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there'll be a little box that says trust this device

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or something like that. So that is always a good

302
00:22:18.480 --> 00:22:22.759
way to I think it's a critical thing that you

303
00:22:22.839 --> 00:22:28.759
need to do every day. Okay wi Fi? Do you

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00:22:28.759 --> 00:22:31.240
ever go to Starbucks and want to log into their

305
00:22:31.279 --> 00:22:36.799
free WiFi? Well, it's great to have free internet access,

306
00:22:37.000 --> 00:22:39.480
but it can be very costly if there's a hacker

307
00:22:39.519 --> 00:22:45.880
in the neighborhood. So avoid, absolutely avoid making financial transactions

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when you're out at some free Wi Fi spot. What

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I do, and what a lot of people who are

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really thinking about this do, is use your mobile hotspot.

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When I'm at an airport waiting for an airplane, I

312
00:23:00.799 --> 00:23:05.960
use my mobile hotspot to log in to if I

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need to do some work on my laptop. Right, and

314
00:23:09.039 --> 00:23:13.200
so if you need connectivity regularly, you might be thinking

315
00:23:13.240 --> 00:23:17.319
about a VPN, which is a virtual private network and

316
00:23:17.400 --> 00:23:21.079
that is a good option to think about as well.

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But for probably for most people, if you just use

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00:23:24.319 --> 00:23:26.839
your mobile hot spot on your smartphone, then that's probably

319
00:23:26.880 --> 00:23:31.880
going to be okay. All right, This next rule is

320
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going to be something that maybe you want to get

321
00:23:34.559 --> 00:23:40.039
your thirteen year old grandson or maybe get the neighbor

322
00:23:40.160 --> 00:23:42.880
kid or whatever, because some of this might be a

323
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little techy. But you know what you could also do,

324
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like you could go whoever provides your internet access in

325
00:23:49.759 --> 00:23:52.839
your town. Maybe you could go into your office and

326
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have them help you encrypt your wireless router. There are

327
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some technical actions that a lot of people may not

328
00:24:01.200 --> 00:24:05.799
want to take, and so go get help, contact somebody

329
00:24:05.839 --> 00:24:09.640
that's techy or family member that can help, or take

330
00:24:10.200 --> 00:24:15.799
your router into the office of whoever provides your internet

331
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access and get some help in some way. What you're

332
00:24:20.279 --> 00:24:23.160
going to want to do is change the default user

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00:24:23.240 --> 00:24:28.079
name and password. Hackers know these and will use them

334
00:24:28.119 --> 00:24:31.839
to try to break into your network. So you're going

335
00:24:31.880 --> 00:24:34.160
to pick a strong password. Okay, you already know how

336
00:24:34.160 --> 00:24:37.039
to do that. You're going to encrypt your router. You sure,

337
00:24:37.240 --> 00:24:42.000
there's different things that are called WPA two or WPA three.

338
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If you see something called WEP that's no longer considered secure,

339
00:24:49.920 --> 00:24:53.079
and you might want to update your router. And then

340
00:24:53.119 --> 00:24:58.720
there's another thing called Wi Fi Protected Setup that needs

341
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to be disabled. So all these things can lead strangers

342
00:25:04.039 --> 00:25:09.680
to being able to access your router. So please look

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00:25:09.759 --> 00:25:15.920
at how you can make your own home router more secure.

344
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All right, so the majority see the interesting thing about

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this is that the majority of routers can come with

346
00:25:26.799 --> 00:25:31.640
outdated software, so it'll leave your network vulnerable to attacks.

347
00:25:32.559 --> 00:25:36.119
So it sounds like a daunting task, but it's not

348
00:25:36.319 --> 00:25:40.799
that bad. And follow the instructions in your user manual

349
00:25:41.559 --> 00:25:46.799
or get that help that we talked about getting. So

350
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here's another keid. Completing certain actions can help you achieve

351
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financial cyber omnissance, omnissence. I'm going to call it omnissance.

352
00:25:59.359 --> 00:26:06.079
It's the eight of knowing everything. So everything in our

353
00:26:06.200 --> 00:26:12.279
case now is anything having to do with your personal information, Okay,

354
00:26:12.839 --> 00:26:16.519
because it's going to help you keep friude away from

355
00:26:16.519 --> 00:26:20.880
your door. So we're going to talk about instant text

356
00:26:20.960 --> 00:26:28.640
or email alerts. When you're thinking about all knowingness for

357
00:26:28.960 --> 00:26:34.880
your own personal information, you want to be the only

358
00:26:34.920 --> 00:26:39.160
one that knows everything about your information. Now, being a

359
00:26:39.200 --> 00:26:45.359
financial advisor, I can tell you that where this gets

360
00:26:45.440 --> 00:26:48.559
to be a problem is if you pass away and

361
00:26:49.200 --> 00:26:53.480
nobody knows what your passwords are or anything. So I

362
00:26:53.519 --> 00:26:58.200
can just tell you from my own personal life with

363
00:26:58.359 --> 00:27:01.799
my will and all, I have an instruction sheet for

364
00:27:01.960 --> 00:27:06.880
my daughter, who's my executor of my estate. She has

365
00:27:06.960 --> 00:27:09.799
a list of all those important things. So that's a

366
00:27:09.839 --> 00:27:15.880
little tip I'm just adding in. Here's a story regarding

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00:27:16.799 --> 00:27:21.200
getting things set up correctly for yourself. How would you

368
00:27:21.279 --> 00:27:25.319
feel to discover that hackers had plundered your debit card

369
00:27:25.400 --> 00:27:31.519
for nearly one thousand dollars on Christmas Eve? Well, that's

370
00:27:31.559 --> 00:27:34.319
exactly what happened to one lady. It all started about

371
00:27:34.359 --> 00:27:38.599
a month earlier, on Black Friday. Like many people, she

372
00:27:38.759 --> 00:27:41.440
had shopped at her local Target and nabbed a few

373
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money saving Christmas deals. Everything seemed fine. Then about a

374
00:27:47.640 --> 00:27:52.680
week before Christmas, news broke of the Target data breach,

375
00:27:53.359 --> 00:27:57.119
and she, like many, hoped that it didn't involve her.

376
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But a few days before Christmas, her told her she

377
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had overdrawn her account by one hundred dollars. She quickly

378
00:28:05.599 --> 00:28:09.880
learned that someone else had used her debit card four times,

379
00:28:10.599 --> 00:28:14.160
charging nearly one thousand dollars and her card was now

380
00:28:14.279 --> 00:28:17.000
useless and the bank told her it would be weeks

381
00:28:17.240 --> 00:28:20.559
before she could get a new one. Well, she felt

382
00:28:20.599 --> 00:28:23.279
like her Christmas was ruined and she had to borrow

383
00:28:23.319 --> 00:28:26.640
money to pay for her holiday dinner and January's rant.

384
00:28:27.279 --> 00:28:30.400
And if only she had been alerted about the fraudulent

385
00:28:30.640 --> 00:28:37.079
charges earlier. Well, it's not hopeless, and you just need

386
00:28:37.119 --> 00:28:40.960
to protect your credit cards and your bank account from

387
00:28:40.960 --> 00:28:44.920
the swarm of hackers and data breaches. So sign up

388
00:28:45.400 --> 00:28:50.359
for alert notification with your bank and credit card companies.

389
00:28:50.400 --> 00:28:55.039
By doing that, you'll get a text or an email

390
00:28:55.440 --> 00:28:58.599
alert every time a charge or a withdrawal is made.

391
00:28:59.440 --> 00:29:03.359
So the banks know instantly when charges are made to

392
00:29:03.400 --> 00:29:07.799
our accounts, so you should know that too. So signing

393
00:29:07.920 --> 00:29:10.559
up for instant alerts will bring you closer to achieving

394
00:29:11.200 --> 00:29:14.880
that all knowingness and where you're the only one that

395
00:29:15.240 --> 00:29:21.880
knows right. Okay, now this one you may not have

396
00:29:21.920 --> 00:29:28.519
thought about. This is absolutely criticul to everyone's cyber security.

397
00:29:29.440 --> 00:29:32.640
By default, your credit files are open with the big

398
00:29:32.759 --> 00:29:42.119
three credit bureaus like Experience, TransUnion, and Equifax. So it's

399
00:29:42.160 --> 00:29:47.400
a good idea to go through the process of creating

400
00:29:47.440 --> 00:29:52.519
the highest security level on those accounts, and it locks

401
00:29:52.559 --> 00:29:55.200
your credit file with a pin at each of those

402
00:29:55.200 --> 00:29:58.480
credit bureaus, and no new credit can be issued in

403
00:29:58.519 --> 00:30:01.960
your name if those things are in place. And basically,

404
00:30:02.039 --> 00:30:04.000
when you do want to open a new credit card,

405
00:30:04.079 --> 00:30:07.319
you have to go in and remove that. But it'll

406
00:30:07.359 --> 00:30:10.559
keep you safe and keep anybody from opening and counting

407
00:30:10.559 --> 00:30:16.759
your name, and it keeps you in control. It's way

408
00:30:16.799 --> 00:30:21.480
more secure than credit monitoring or fraud alert because those

409
00:30:21.519 --> 00:30:24.720
things tell you after the fact that something has happened.

410
00:30:26.039 --> 00:30:31.720
But what's interesting about this is it's not just yours information.

411
00:30:32.319 --> 00:30:35.599
It could be your kids as well, especially maybe your

412
00:30:35.599 --> 00:30:39.599
teenagers who are not thinking about being safe. There are

413
00:30:39.640 --> 00:30:43.240
five hundred thousand children who suffer from identity theft every year.

414
00:30:43.279 --> 00:30:48.319
Can you believe that? So their clean records are attractive

415
00:30:48.440 --> 00:30:54.079
because there's nothing on them, and so childhood identity theft

416
00:30:54.119 --> 00:30:56.720
can lead to major problems down the road for an

417
00:30:56.799 --> 00:31:01.559
unsuspecting teenager who's coming of age. So here's what you

418
00:31:01.640 --> 00:31:05.599
can do. Parents can send a letter including copies of

419
00:31:05.640 --> 00:31:11.000
their children's birth certificate and driver's license and proof of address.

420
00:31:11.079 --> 00:31:14.079
You can first talk to the credit bureaus to see

421
00:31:14.079 --> 00:31:17.440
how to do this correctly, and if no report is found,

422
00:31:17.519 --> 00:31:21.319
then you're in luck. You should still periodically check on

423
00:31:21.400 --> 00:31:25.319
your child's status and if a report is found, it's

424
00:31:25.359 --> 00:31:29.559
usually assign your child has been victimized. Ask the credit

425
00:31:29.599 --> 00:31:33.880
bureaus to immediately place a credit freeze on your child's

426
00:31:33.920 --> 00:31:38.640
record and investigate further. So you wouldn't You might not

427
00:31:38.720 --> 00:31:42.440
even think about this, but you can now request a

428
00:31:42.480 --> 00:31:46.759
credit freeze on for your child in every single state.

429
00:31:47.400 --> 00:31:50.440
Previously it was dependent on your state of residence, but

430
00:31:50.559 --> 00:31:55.359
now it's a federal law. So just remember that it

431
00:31:55.400 --> 00:31:57.759
may be something that you may be surprised that you've

432
00:31:58.359 --> 00:32:04.880
never thought about before. Mindfulness. Are you thinking, what's mindfulness

433
00:32:04.960 --> 00:32:10.000
got to do with identity theft? Well, we need to

434
00:32:10.000 --> 00:32:15.759
be in a state of relaxed alertness when dealing with cybersecurity.

435
00:32:16.440 --> 00:32:21.680
Fighter pilots actually have an acronym for this state CALLEDODA

436
00:32:22.279 --> 00:32:28.279
stands for Observation, Orientation, decision and Action. And then, of

437
00:32:28.279 --> 00:32:34.359
course zen masters use the phrase mindfulness. When Google amazingly

438
00:32:34.880 --> 00:32:39.599
completed their own analysis of worldwide cybersecurity practices, they also

439
00:32:39.680 --> 00:32:45.880
recommended mindfulness as a key part of cybersecurity. So basically

440
00:32:46.079 --> 00:32:50.960
this deals with your own day to day mindfulness of

441
00:32:51.319 --> 00:32:56.839
how you go about things. So let's look at one

442
00:32:57.480 --> 00:33:03.240
rule here about your software. Nine out of ten security

443
00:33:03.319 --> 00:33:07.519
experts say that running updated software is necessary for strong security.

444
00:33:08.519 --> 00:33:13.000
So out of date software is where hackers can plant

445
00:33:13.279 --> 00:33:17.680
viruses and all kinds of crazy things. So there's a

446
00:33:17.920 --> 00:33:22.640
big chance that people will not update their software if

447
00:33:22.680 --> 00:33:26.440
they're not paying attention. So seventy five to eighty percent

448
00:33:26.480 --> 00:33:33.039
of computer hacks are related to outdated software, so they

449
00:33:33.119 --> 00:33:38.960
exploit holes in unpatched software which allows them to install malware.

450
00:33:39.440 --> 00:33:42.079
So if you want to make sure that all your

451
00:33:42.119 --> 00:33:44.599
software and programs are all on your devices are up

452
00:33:44.640 --> 00:33:49.279
to date, then make sure that's on automatic and that's

453
00:33:49.519 --> 00:33:52.920
also called an auto update. But just make sure that

454
00:33:52.960 --> 00:33:57.000
those programs are installed on your devices and that it

455
00:33:57.079 --> 00:34:02.559
automatically checks to make sure that it's off to date. Periodically,

456
00:34:02.640 --> 00:34:06.759
go through your programs and uninstall anything that you don't need.

457
00:34:07.839 --> 00:34:09.880
I've gone through that and gone what's that. I don't

458
00:34:09.880 --> 00:34:13.400
even know what that is, And that'll help you with

459
00:34:13.639 --> 00:34:16.480
making sure that you are up to date on everything

460
00:34:16.519 --> 00:34:20.840
that you have in your possession on your devices. So

461
00:34:21.320 --> 00:34:25.159
Backing up files is another big rule that is important.

462
00:34:25.719 --> 00:34:27.960
So you're going to want to back up Obviously you're

463
00:34:28.000 --> 00:34:29.880
going to want to back up your files on your

464
00:34:30.559 --> 00:34:36.159
existing desktop or laptop, but you also want to update it,

465
00:34:36.280 --> 00:34:39.880
maybe to the cloud, you want to update it to

466
00:34:40.000 --> 00:34:45.880
an external device, and that all of those things are

467
00:34:45.920 --> 00:34:49.960
going to make it so that you also know that

468
00:34:50.119 --> 00:34:55.000
if anything happens, you have a copy, so that you're

469
00:34:55.079 --> 00:34:58.840
not going to be subject to somebody threatening you if

470
00:34:58.840 --> 00:35:02.920
you don't pay them X amount of dollars. Right, Okay,

471
00:35:03.000 --> 00:35:06.880
I got another story coming up for you. This is

472
00:35:06.960 --> 00:35:12.159
the ten second email rule. Okay, this has to do

473
00:35:12.239 --> 00:35:18.440
with ransomware. Now, this is a story about, if you

474
00:35:18.559 --> 00:35:22.920
can believe it, straight out of the White House, the

475
00:35:22.920 --> 00:35:26.480
wife of John P. Holdron, who's the assistant to former

476
00:35:26.639 --> 00:35:30.679
President Obama and former director of the White House Office

477
00:35:30.679 --> 00:35:36.440
of Science and Technology, received an email. This is the

478
00:35:36.480 --> 00:35:42.199
wife of John he received. She received an email which

479
00:35:42.239 --> 00:35:46.039
she believed was to from her husband, and it said

480
00:35:46.480 --> 00:35:49.559
it asked for the password to their Infinity phone and

481
00:35:49.679 --> 00:35:53.000
Internet account. Now, the very first thing that she should

482
00:35:53.000 --> 00:35:57.480
have done is called her husband, right, missus Holdron did

483
00:35:57.519 --> 00:35:59.880
not do that, though she sent the password and went

484
00:36:00.079 --> 00:36:03.000
about her day. But she hadn't sent the password to

485
00:36:03.039 --> 00:36:07.679
her husband. Rather, she had sent it to a political

486
00:36:08.280 --> 00:36:12.440
hacking group, who, with the password, redirected all of the

487
00:36:12.480 --> 00:36:16.960
Haldron's phone calls to the Free Palestine movement line. The

488
00:36:17.000 --> 00:36:21.840
Haldrons joined a long list of victims, including CIA Director

489
00:36:21.960 --> 00:36:27.000
John Brennan and Director of National Intelligence James Clapper. So

490
00:36:27.440 --> 00:36:31.599
had she known the ten second email rule, I'm about

491
00:36:31.599 --> 00:36:35.199
to teach you, she may never have fallen. Well. Like

492
00:36:35.239 --> 00:36:38.480
I said, she should have called her husband first. So

493
00:36:38.679 --> 00:36:45.360
this is an acronym. It stands for examine message and

494
00:36:45.480 --> 00:36:50.320
inspect links. Right, So let's take it one step at

495
00:36:50.320 --> 00:36:57.199
a time. The first half of the acronym is examine

496
00:36:57.199 --> 00:37:02.599
the message. Make sure try to get at us from

497
00:37:03.079 --> 00:37:08.199
all different ways. But you know there's warnings that they'll send,

498
00:37:08.280 --> 00:37:12.960
like warning account close security alert, things like that. So

499
00:37:13.000 --> 00:37:16.079
we need to discover the true center of the email.

500
00:37:16.199 --> 00:37:20.800
And fishers can spoof the from line to appear to

501
00:37:20.800 --> 00:37:26.679
be a legitimate business. So you can determine the true

502
00:37:26.760 --> 00:37:30.639
sender by hovering your mouse over the display name in

503
00:37:30.679 --> 00:37:32.679
a small box that's going to appear with the true

504
00:37:32.719 --> 00:37:36.519
email address. Other suspicious things to look for is like

505
00:37:36.599 --> 00:37:41.039
customer or sir or madam instead of your name, or

506
00:37:41.599 --> 00:37:45.639
poor grammar, or a vague signature line with false contact information.

507
00:37:46.679 --> 00:37:50.920
So you should also be suspicious of unsolicited emails with attachments.

508
00:37:51.000 --> 00:37:53.880
Don't ever click on an attachment. If you get something

509
00:37:53.920 --> 00:37:56.599
that looks like it's from your bank, you call the

510
00:37:56.639 --> 00:38:00.800
bank to see if there's a problem. What presents itself

511
00:38:00.840 --> 00:38:04.360
as a resume or a receipt or a payment could

512
00:38:04.360 --> 00:38:08.679
be an ex file that plants a virus on your computer.

513
00:38:09.239 --> 00:38:13.239
All right, so you're going to inspect the link, and

514
00:38:13.280 --> 00:38:16.119
so you're gonna hover, like the little picture shows you there,

515
00:38:16.719 --> 00:38:22.199
You're gonna hover over it. So here's another story about this.

516
00:38:22.960 --> 00:38:26.800
I think stories illustrate things better than anything. Now, this

517
00:38:26.960 --> 00:38:30.679
is a British journalist who was less than an hour

518
00:38:30.760 --> 00:38:35.440
away from a really important deadline, and so she was

519
00:38:35.519 --> 00:38:38.840
doing multiple things and she spotted an email from Yahoo

520
00:38:38.840 --> 00:38:43.159
and it told her to confirm her account details immediately

521
00:38:43.360 --> 00:38:46.079
or her account would be shut down. Anytime you see

522
00:38:46.119 --> 00:38:52.159
something like this, like really so under pressure and she

523
00:38:52.360 --> 00:38:56.239
was needing important information, she clicked on the link and

524
00:38:56.280 --> 00:38:58.880
filled in personal information. She should never have done it.

525
00:39:00.039 --> 00:39:05.000
Immediately fight her screen went length and she had been fished.

526
00:39:06.079 --> 00:39:09.159
So the fishers then attacked their new targets, which was

527
00:39:09.519 --> 00:39:14.159
all of her email contacts, and there were more than

528
00:39:14.199 --> 00:39:17.199
one thousand people in her email address book who received

529
00:39:17.199 --> 00:39:20.679
an email that said she was robbed at a hotel

530
00:39:20.719 --> 00:39:25.480
in Spain and needed money. She was locked out of

531
00:39:25.480 --> 00:39:28.480
her computer and was forced to close her banking accounts,

532
00:39:28.880 --> 00:39:32.159
And if she had waited ten minutes and examined the

533
00:39:32.239 --> 00:39:35.239
Yahoo message more closely, she could have prevented the attack

534
00:39:36.360 --> 00:39:39.239
and saved herself all of that stress and embarrassment and

535
00:39:39.280 --> 00:39:44.519
lost time. So the second half of the email requires

536
00:39:44.519 --> 00:39:47.559
you to inspect the link within the message, like you

537
00:39:47.639 --> 00:39:51.840
did with the sender. Hover your mouse over any link

538
00:39:51.920 --> 00:39:54.639
or hyperlinked text and be sure that the link is

539
00:39:54.679 --> 00:39:58.920
truly directing you to the Correft website. Again. Anytime I've

540
00:39:58.920 --> 00:40:02.480
gotten that, what I do is if it's from my bank,

541
00:40:02.639 --> 00:40:06.320
I call them and say, is this something that's an issue?

542
00:40:06.679 --> 00:40:11.880
But if it looks fishy, it probably is. So this

543
00:40:11.960 --> 00:40:15.639
is an action that needs to become part. This is

544
00:40:15.719 --> 00:40:21.039
this whole mindfulness thing of being aware, looking at what

545
00:40:21.280 --> 00:40:25.559
these things can do, and being smart about how you

546
00:40:25.719 --> 00:40:33.280
address it. Okay, so take action. We are coming close

547
00:40:33.320 --> 00:40:37.599
to the end. And so in case you have not

548
00:40:37.719 --> 00:40:41.960
been able to download this, this is what's up on

549
00:40:42.000 --> 00:40:47.119
the screen. Is this area right here which has a

550
00:40:47.159 --> 00:40:50.440
place for you to put what are the three big

551
00:40:50.480 --> 00:40:56.199
things I'm going to do? Are you going to create

552
00:40:56.239 --> 00:40:59.159
a new email that's just for your bank accounts and

553
00:40:59.199 --> 00:41:04.719
stuff like that. Are you going to take a look

554
00:41:04.800 --> 00:41:10.559
at your router at home? Are you going to call

555
00:41:10.639 --> 00:41:15.760
the credit bureaus and freezier accounts? What are you going

556
00:41:15.800 --> 00:41:19.760
to do? All? Right, complete your action plan now. So

557
00:41:22.320 --> 00:41:25.320
because I know that if I don't do something like this,

558
00:41:25.519 --> 00:41:27.400
then a lot of times I get busy with other

559
00:41:27.480 --> 00:41:32.880
things and I'm off on other projects. So another resource

560
00:41:33.000 --> 00:41:35.280
for you is also on the back of the second

561
00:41:35.320 --> 00:41:38.360
page of this you see the picture of the book.

562
00:41:38.719 --> 00:41:41.800
This is a book that is all about a lot

563
00:41:41.840 --> 00:41:46.199
of these issues that we talked about today. And there's

564
00:41:46.239 --> 00:41:49.159
a website there where you can go and order that

565
00:41:50.239 --> 00:41:53.199
and it's called hack Proof Your Life Now the New

566
00:41:53.280 --> 00:41:58.440
Cybersecurity Rules, And it's available in Amazon. And like I said,

567
00:41:58.440 --> 00:42:00.559
you'll find the link there for that book, so you

568
00:42:00.559 --> 00:42:04.440
can go and check that out. You'll also see that

569
00:42:04.519 --> 00:42:07.440
if you have questions regarding any of these items covered

570
00:42:07.440 --> 00:42:10.280
today or about financial issues. I mean, what I do

571
00:42:10.400 --> 00:42:14.280
is I work with clients on financial issues. I do

572
00:42:14.360 --> 00:42:17.840
offer a thirty minute one on one zoom call. Now

573
00:42:19.079 --> 00:42:21.719
all of these things, like what has been scrolling across

574
00:42:21.760 --> 00:42:26.039
the bottom of the screen is the website that's associated

575
00:42:26.079 --> 00:42:31.239
with this podcast called askod Questions podcast dot com. You'll

576
00:42:31.239 --> 00:42:37.800
find more information about that on the website. Okay, so

577
00:42:37.880 --> 00:42:42.159
thank you so much for coming. I know that you

578
00:42:43.079 --> 00:42:45.519
now have more information than you did before to create

579
00:42:45.559 --> 00:42:49.800
your own personal cybersecurity plan. I hope you've found this

580
00:42:49.960 --> 00:42:54.519
podcast to be helpful and informative in terms of your

581
00:42:54.559 --> 00:42:59.719
thinking and commitment to cybersecurity. So it's totally doable to

582
00:42:59.840 --> 00:43:05.519
be safer and more alert on the internet. So see

583
00:43:05.559 --> 00:43:13.840
you next time, and always remember to ask good questions.

584
00:43:17.119 --> 00:43:20.719
Today's episode is over, but we did ask good questions again,

585
00:43:20.880 --> 00:43:25.079
didn't We don't miss out as we broadcast live every Wednesday,

586
00:43:25.119 --> 00:43:28.840
six pm Eastern Time on W four CY Radio at

587
00:43:29.079 --> 00:43:33.119
W fourcy dot com. Joined Benina Bell Anderson next week

588
00:43:33.199 --> 00:43:39.119
for more conversations with experts on finances, retirement, behavioral finance issues,

589
00:43:39.159 --> 00:43:43.840
health and wellness, and more. Until then, remember to ask

590
00:43:44.039 --> 00:43:47.360
good questions.