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