WEBVTT
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This program is designed to provide general information with regards
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to the subject matters covered. This information is given with
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the understanding that neither the hosts, guests, sponsors, or station
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are engaged in rendering any specific and personal medical, financial, legal, counseling,
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professional service, or any advice.
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You should seek the services.
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Of competent professionals before applying or trying any suggested ideas.
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The information contained in this podcast is intended for informational
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purposes only and is not a substitute for individual professional
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legal advice. The podcast information was carefully compiled from vetted
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sources and references. However, Rose Resources outreach to safeguard the
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elderly cannot guarantee that you will not fall victim to
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a scam. Let's talk about scams. It's the must listen
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show for anyone who wants to protect themselves and their
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loved ones from scams. Every Tuesday am Pacific time on
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K four HD Radio, Joyce Petrowski, founder of Rose, and
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her guests will provide valuable insights and practical tips on
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how to recognize and protect yourself from scams. And now
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here is your host, Joyce Petrowski. Hi, I'm David staying
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active mentally, thing chess. Those are all very important things.
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I'm seventy two, but I'm going to keep on learning.
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I'm going to keep on moving. I'm gonna keep on
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living my life.
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Healthcare for David's next move. Learn more at archwel health
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dot com. Hi, everybody, welcome back.
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I'm Joyce Petrowski, founder and board president of Rose Resources
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Outreach to Safeguard the Elderly. You can find more information
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about us on our website at Roseadvocacy dot org. If
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you scroll down to the bottom of the homepage, you
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will find where you can sign up for our emailed
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newsletter and or you can sign up for our mailed newsletter.
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We send one in the mail. Julys will be coming
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out at the end of this week, so you should
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start receiving it in the mail by the end of
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this week or the first and next week. The emailed
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newsletter you get a monthly more in depth newsletter. But
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then every Tuesday morning at nine fifteen, you get a
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Tuesday Tip. And that Tuesday Tip has a couple of benefits.
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One is giving you information that you might not have
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already have known to help keep you safe from scams.
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But The other just as important piece is that it's
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a reminder. It's a reminder for your healthy skepticism and
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your scam prevention habits. As you know, we need to
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see read here, talk about things multiple times on an
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ongoing basis before it starts becoming a habit. And we
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want your scam prevention tools in your healthy skepticism to
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be a habit to help protect yourself. So today I'm
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going to talk about a couple more public service announcements
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from the FBI. We did two of them last week.
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We're going to do two more this week. And let
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me share my screen here, all right, So I just
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went to the IC three dot gov and I can
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show you here back up, and when you type in
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IC three dot gov, you're going to get this is
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the homepage for the Internet Crime Complaint Center with the FBI.
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You just go into public Information here. Public Service Announcements
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is where you'll find all those and then the annual reports.
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If you go here, this is where you're going to
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find by year there reports for all age populations, but
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they'll also have a section on just the sixty year
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old and older population. This is where we get all
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of our statistics. You can also do dropdowns where you
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can look up different statistics by state if you're looking
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for some different state information. But we're going to go
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to the public service announcements, so we're going to go
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to this.
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One here that was June eighteenth, so just about ten
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days ago, twelve days ago, excuse me.
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And so this one is it's titled cyber Criminals Redirecting Users.
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That would be anybody that's using the Internet and the
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web browsers to fraudulent websites with malicious traffic distribution systems.
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So it's basically they're redirecting you, going to get you
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to a fraudulent website with malicious intent. And we've talked
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a lot about it, and we talk about this in
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our presentations as well. That I think a lot of people,
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you know, to go up and hover over the name
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that shows up on an email and you can see
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the email out that it's coming from, and you can
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go up and you can look at the U r
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L and see if it's a secured site with the HTTPS,
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But then you want to look at the actual URL
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where where the website is going to.
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Go to, and.
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Sometimes it's really really difficult to see some slight little
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change that was made that would actually then be directing
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you to a fraudulent website. And we use you know,
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Microsoft as an example.
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Are you are.
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You going to see when your mind is already thinking Microsoft,
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Are you going to see that that lowercase M is
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really a lowercase R, an N, or actually maybe two
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ends when your mind's already thinking Microsoft. So it's really
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good to write down every individual care character and then
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look at those characters to see if they make sense
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put together that that's where you want to be going.
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But you I mean, they could use that scenario with Amazon.
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They can use it with any you know website that's
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got a lowercase M in the in the URL. So
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back to this public service announcement. They are doing this
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the the criminals are doing getting you to go to
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a malicious website by visiting or by clicking on advertisement links,
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signing up for promotions or discounts, downloading an application. There's
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a lot of different ways that they can do it.
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So we're gonna look at actually how this works. So
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they use a variety of methods to an essence, trick
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you into going onto these sites, and that includes social
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engineering techniques such as sending a phishing email that could
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have a link to. On the surface, looks like it's
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a legitimate website, but when you actually look at where
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it's going, it's actually a malicious website. It's not the
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it's not the actual legitimate one that you're thinking that
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it's going to. They can also do it through it
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says here's search engine optimization poisoning that promotes fraudulent advertisement links.
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So a lot of times when you're going to do
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an Internet search for something, the first maybe three ones
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that come up are going to be those sponsored ads.
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You know, you'll see the URL, you'll see.
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The name of it, and then down below in little
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letters you'll see where it says sponsored. Well, you know,
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the scammers can hang out in those. They put their
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fraudulent websites in those sponsored ads as well. So just
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because it shows up as one of the first three
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under the sponsored ones doesn't mean it's automatically legitimate. You
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still need to look at the r L write down
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every character, but that's another way that they can get
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you into those.
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Malicious websites.
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So, really, any legitimate website is vulnerable to a cyber criminal,
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but you can also be using insecure passwords or.
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You know, to log in.
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They can do that with people that work at the
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companies that are not using strong passwords. They can use
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social engineering with someone that works at the company to
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get them to give up information that then allows this
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criminal to get into the back end of the website
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and stuff like that.
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So that brute forcing.
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Cyber criminals obtain unauthorized access to websites by brute forcing
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weak administration administrative passwords. That brute force is where they
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just they've got that software program that's just going to
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keep trying to with all these different variations you know,
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of a password until it hits the one that the
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one that you're using. So having those really strong passwords
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are beneficial, whether you're having a password as a consumer
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with a company that you've signed up for an account,
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or whether you have it as an employee at a company.
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Having those strong passwords, you know a lot of companies
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are now giving you the option of using the pass keys,
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which is the biometric information. Security professionals are saying that
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those are much safer than passwords. Well, one of the
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reasons is because they know that we use weak passwords.
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You'd be amazed at how many people still use password one,
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two three, whether it's by choice or whether that was
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the initial password they were given and then they never
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changed it. But and they know through you know, social engineering,
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that they can get you to give up your password,
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so they're going to redirect you. Another way that they
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could do it is they can you know, they can
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bypass firewalls that you have set up to block connections
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to malicious codes. Every now and then we see that
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come up in warnings from different resources we we look
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at for information. Is that you know, some some cyber
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criminal group has figured out how to bypass internal systems
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or or bypass multi factor authentication or firewalls, different things
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like that. So they get smarter and smarter. They have
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the software that's available to them to be able to
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do that. They filter website visitors so they can they
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can look at based on your IP address, your operating system,
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your location, your device browser information. You know, when you
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visit a way website, they can analyze that. So some
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of that could be because of the cookies that you've
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allowed when you've gotten on that website, you've allowed all
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of them, which is the reason why when it's asked
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if you want to reject or accept only necessary. Those
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are the best way to do it, or you know,
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go into whatever browser you're using and click on those
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three dots right up here and go down to your
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settings and then in your Privacy and Security and you
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can actually go down and say block all third party cookies,
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and it's going to block it for as long as
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you're using that same browser that you've told it to
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block on all the websites, so then you don't have
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to go in and do it on each individual one.
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So that's how they you know, they can also exploit
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your devices again by those phishing emails and other malware
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that just by clicking on a link, you know, they
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can then exploit you as the end consumer. So here's
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some different tips that the FBI is putting out and
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they recommend the individuals take the following precautions. Exercise caution
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when clicking on advertisements. You want to make sure, as
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we said earlier, you check that URL to make sure
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that site is the official site, and maybe instead of
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clicking on the advertisement, just go to the official site
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and then look on that site for that specific discount,
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that specific advertisement, and look at each individual character in
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the r L and see that that makes sense. The
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characters all make sense when you put them together. Keep
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your software Updated's the main reason, you know why a
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lot of software companies send out these updates is yes,
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there's new information, but they're also fixing security flaws that
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they found, and so it's good to keep everything updated.
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You want to, you know, install reputable plugins if you're
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going to have a specific one with a firewall. You
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want to have a web application firewall to block malicious traffic.
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Harden your login security. So you've got to have those
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strong passwords, think about a pass using a pass key instead.
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You can also do the multi factor authentification and you know,
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make sure you keep that code confidential. You know, somebody
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calls you pretending to be the bank and there's to
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scare you that there's you know, fraud or there's something
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bad going on with your account and you might lose
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all your money, you know, but we have to verify
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it you were talking to. So we're going to send
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you a code and we need you to read it
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back to us and then that that's exactly how the
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legitimate bank is going to verify it's you on the
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phone when you call them. Well, scammers are using that
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against you because they have already figured out your log
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in and now they see you have multi factors set up,
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so then they're going to trick you into giving them
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that code so then they can get into your account.
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So another reason why you have to make sure you know,
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especially if you're on the phone, that you are actually
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talking to the legitimate bank. You know, if somebody called you,
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then you hang up and you call the number on
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your bank statement or the back of your debit card,
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or you might already have the bank's phone number in
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your contacts, but call them directly or go down there
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and check things out. Those third party plugins and apps
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and all that stuff, you want to make sure you're
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only downloading those from reputable, verified places, and that would
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be like the Google Play Store, the App store.
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And then this other part here is for.
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Businesses that they can take I'm not going to go
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into that, but you know how to get to the
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public service announcement if you want to read more about
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the businesses.
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And then you know if you've.
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With any scam, whether you have lost money or not,
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it is always good to report it. It helps law
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enforcement with more pieces to the puzzle to try to
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find these people, so you always want to make sure
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you report it. And then down at the bottom they