Feb. 24, 2026

Passwords, Password Managers, Passkeys and How to Manage Updates

Passwords, Password Managers, Passkeys and How to Manage Updates
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Season 2

Join us as we talk with our guest, David Hawkins, about passwords, password managers, and passkeys. What is more secure, what is most user-friendly?
We will also talk about managing updates on Windows and Mac. How often do you perform updates?

Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Let’s Talk About Scams TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Let’s Talk About Scams Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.

Become a supporter of this podcast: https://www.spreaker.com/podcast/let-s-talk-about-scams--6483699/support.

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,

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legal counseling, professional service, or any advice.

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You should seek the services.

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Of confident 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.

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To a scam.

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Let's talk about scams. It's the must listen show for

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anyone who wants to protect themselves and their loved ones

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from scams. Every Tuesday am Pacific time on K four

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HD Radio, Joyce Petrowski, founder of Rose, and her guests

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will provide valuable insights and practical tips on how to

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recognize and protect yourself from scams. And now here is

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your host, Joyce Petrowski.

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Hi, everyone, welcome back.

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I'm Joyce Petrowski, President, board president and founder of Rose

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Resources Outreach to safeguard the elderly. You can find more

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information on our website at Roseadvocacy dot org. You'll find

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all of our social media channels at the top of

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the homepage. Scroll down to the bottom of the homepage

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and you'll find where you can sign up for our

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emailed newsletters, and we also do one in the mail

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as well, and we have a safety checklist that you

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can download there as well.

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Today, we have a guest with.

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Us and we're going to be talking about passwords and

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password managers and pass keys and updates to your devices.

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So our guest is David Hawkins, and he had with

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deep roots in both physical and cybersecurity. David's skills cover

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everything from identity management and access control to compliance and

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risk solutions. He has conducted hundreds of workshops and thousands

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of pocs in vendor cyber risk management. So let's welcome David.

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Hello. How I'm doing pretty well? How are you today?

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Good?

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Why don't you take a few minutes and tell everyone

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a little bit more about you and what you do?

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Sure, so, I've had a pretty long career of different

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things I was military early early in my career. Then

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I went into it. And when I was in it,

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one day I was working with a sales team and

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the sales team said, we're having a problem with this software.

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I solved the problem, and I also showed them that

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they were doing something a little off okay, and they said,

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you should be our pre sales engineer. And I said,

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what's that? And so I said, they told me what

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it was, and I said that sounds fun.

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I'll do that, okay.

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And I've been doing that for the last twenty years,

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oh wow. And I've represented products from Semantech, RSA Security,

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Computer Associates, and Tycho Fire and Security, all of these

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different companies. Had a ton of hands on experience working

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with the tools and helping customers figure out what to

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do with those tools.

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Okay, very good.

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And I actually met you through one of Rose's advisory

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board members, Brian.

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You used to work with Brian exactly.

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As a matter of fact, he and I worked together

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at Semantec.

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Okay, all right, very good, All right.

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So we discussed this and we were going to talk

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about let's start with the passwords and password managers, and

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we can incorporate pass keys and stuff into that. So

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I actually did a presentation yesterday in a retirement community

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and there's quite a lot of people there. There was

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probably forty five or fifty. And it's interesting when I

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get to the point in the presentation about passwords that's

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in our you know, our resource our Identity, Theft Protection

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and cyber Safety resource packet, I hear this, you know

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a little bit of a groan right this.

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Uh.

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And so I always kind of make light of it

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and say, okay, who here likes passwords? Everybody's like no,

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you know, I've had one person say and it was

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a younger lady who liked tech.

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And all of that stuff.

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And so one of the things we talk about is,

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you know, every year I see this survey and I

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don't remember which company does it and puts it out,

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but they a, it's definitely over half, maybe two thirds

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of the people that they survey they are still using

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password one two three, Yeah, whether they've elected to use

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it or whatever software they're creating the account with it

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gave them that as as an initial password and then

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never made them change.

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It, so they just left it.

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But that just baffles me that people are still using

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that and and I think maybe even some of the

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people in our presentations are using it right, or they're

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using their names and their birth date or their pets name,

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or their anniversary date or you know, because it's easy to.

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Remember, right.

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Absolutely, So one of the things we talk to them

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about is, you know, having a phrase and then changing

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the phrase to having some symbols and some numbers. But

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even that, right, I mean, what's your thoughts on that?

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Sure? So one of the first things is a lot

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of people don't understand what is vulnerable when it comes

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to the passwords. Now, when it comes to hacking a password,

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there are two real methods. The first method is brute force,

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which means, yes, some software in the background going to

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just try one hundred thousand passwords until it figures which one.

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Generally speaking, if you use that method of attack, what

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we've discovered is that it would take something like a

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thousand years of a typical attempt, one after another for

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a password that's longer than sixteen characters. So the length

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of your password is probably one of the most important

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parts to defeat that brute force attack.

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Okay, that's interesting.

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Okay, now here's the second part, and this is the

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better part of the world where I came from, which

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is all of the companies out there. There's a couple

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different parts of why you use a password that matters.

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First one, you log into your computer. That one there,

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brute force is almost impossible, because you're going to try,

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You're going to try, You're going to try five times,

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your system locks you out. It takes twenty minutes. It's

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going to take a thousand years if it was a

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random number. Now here's the other part that gets difficult

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when it comes to passwords, which is people use something

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like you said, the name of their dog, the name

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of their the name of their family town or whatever,

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and that is hackable, not because of multiple tries, but

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because you end up sharing that information on social media.

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Absolutely.

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Yeah, you know who's my dog Spot and you know

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it's Spot one, two.

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Three, Yeah, I want to wish my dog Spot a

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happy birthday.

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He's ten years old today.

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Well, boom, you've just given your password out right exactly.

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Yeah.

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I've seen these videos where somebody will be, you know,

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doing interviews, and they're really trying to see how quick

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somebody gives up their password, and literally within a minute

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or two, just by engaging in friendly conversation, they will

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have given up there. They'll not actually say it, but

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through prompting they'll be like, oh, yeah, I use my

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dog's name and my birth date, and then the person

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will go, oh, so your password is, and they'll say it.

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And then that person goes, oh, I just gave it up.

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And they also gave the tell that said, oh, by

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the way, I just gave you something valuable.

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Yes, exactly, right, exactly. But so you mentioned the more

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important thing is to have at least sixteen characters or more.

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But a lot of people talk about how you have

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to have upper and lower case letters, number and symbols.

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But then like when you go to set up a

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password with like a lot of financial institutions, they're only

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allowing you between eight and twelve characters, but they have

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to have all four of those other the symbols, the

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upper lower case, and the numbers. So how does does

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that make it just as safe if it's only twelve characters.

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It doesn't necessarily make it just as safe. The number

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of characters by default is actually the hardest thing. Now,

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so you could actually do all lowercase and no symbols

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and no numbers, and the statistical amount that people will

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have to crunch through is still pretty high, but it's

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still not a best practice. A really good password has

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upper case, lowercase numbers and symbols, right, because that is

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changing the nature of the type of thing. So instead,

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what I usually recommend is have a pass phrase, which

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you mentioned at the beginning, and the way that passphrase works.

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Most people think, oh, I got to come up with

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eight words and look around their desk and say monitor keyboard, right, yeah,

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you know, and then and then they'll take those and

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I say, I have two lights and I have one keyboard.

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So there's your numbers and your words, right, and nobody

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can see what's in front of you when you're on

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a computer like this. It's not the worst thing to do,

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But what do you How do you remember that password

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when you're not sitting in front of your desk, if

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you're on a trip and you still have to log in.

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So I do things like I like two cups of

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Lavaza coffee in the morning, right, that whole sentence. I

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can remember that pretty easily. And then what I would

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do is I got the two in there, and then

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I have I just capitalize every other word or every word,

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and I just Remember that's the method. Remember the past

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phrase and then stick a you know, like I like lavazza,

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exclamation points something like that.

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Yeah, so you know some people have you know, and

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that's the one thing that we you know, tell them

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right not to use any information in your phrase that

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you would normally share online. And I had somebody once

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tell me that they used a Bible verse, and I actually,

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I actually was like, well, you got to be careful

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with that because Bibles are all online, and if it's

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a more common right Bible phrase, then that's something that

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can be easily put into this software. They can prompt

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the software to look for common Bible phrases and make

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some changes. So is it better to then like look

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around or do something like you did, as long as

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you don't let people know right on social media or whatever,

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like on if you're playing online games or if you're

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on a dating site or whatever, you don't let people

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know I like to I like lavasa or whatever if

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I said that, right, because then once you put that

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out there, then somebody could say, well, that might be

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their passphrase.

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Sure, well, think about it this way. There are a

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lot of different versions of the Bible. So if you

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said true New King James. And then what I suggest

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in this case is not to pick the most popular verse.

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Think of it as a deep cut. What is your

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favorite that is not a popular one?

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Right?

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Yeah, so that' and that's one that's not going to

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get bandied about. And you know, you might say it

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once in the blue moon, but still do they know

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which Bible you chose?

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And true?

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True?

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You know because there are right.

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There are a lot of different between all of them.

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Right, there are a lot of different versions. Again, as

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long as you're not posting online and talking about this

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is my favorite version. Or if you are a specific

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faith and they only have one whether it's a Bible,

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a book, whatever it is, right, then that's easier to

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you know, if your specific faith and they only have

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one Bible, one you know, one version of it, one book,

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00:13:17.799 --> 00:13:21.320
one version of it, whatever it's called, that's going to

230
00:13:21.360 --> 00:13:24.600
make it easier to figure out because you don't have

231
00:13:24.639 --> 00:13:27.279
all these different versions that it could be.

232
00:13:27.440 --> 00:13:28.440
So that's that's true.

233
00:13:28.440 --> 00:13:31.320
I didn't think about that, all of the different versions

234
00:13:31.320 --> 00:13:31.759
that there are.

235
00:13:32.360 --> 00:13:34.480
You just have to think of what can I bring

236
00:13:34.519 --> 00:13:36.519
to the table that's unique. I mean, think of it

237
00:13:36.600 --> 00:13:41.240
one other way. What if that Bible was orange. Yes,

238
00:13:41.320 --> 00:13:42.799
that brown or blue or something.

239
00:13:43.000 --> 00:13:44.759
They come in all different colors exactly.

240
00:13:45.039 --> 00:13:49.159
So there's there are things that you can have in

241
00:13:49.200 --> 00:13:52.519
your life. You know, maybe you buy a special leather

242
00:13:52.600 --> 00:13:55.200
cover for yours, right, yeah, so you have all of

243
00:13:55.200 --> 00:13:57.840
these things where you customize for your own thing. I

244
00:13:57.879 --> 00:14:00.919
have a bookmark, right, I put that kind is itself?

245
00:14:01.120 --> 00:14:03.840
Is it that paper? You know? I see you all

246
00:14:03.840 --> 00:14:06.799
of these ways that you can tweak and get unique

247
00:14:06.840 --> 00:14:11.320
and different data that isn't obvious and isn't something that

248
00:14:11.480 --> 00:14:15.320
just anybody would know. You know, maybe your most closest

249
00:14:15.360 --> 00:14:18.799
relative might know. And that may be okay, maybe that's what.

250
00:14:18.679 --> 00:14:24.919
You want anyways, right right, Yeah, it's just so many things.

251
00:14:25.240 --> 00:14:27.720
I mean, I actually remember back in the day where

252
00:14:29.120 --> 00:14:30.320
we didn't have passwords.

253
00:14:31.639 --> 00:14:32.200
I do too.

254
00:14:33.559 --> 00:14:37.240
You just got into your account, right, kind of like

255
00:14:37.320 --> 00:14:39.960
you left your house unlocked, you left your car sitting

256
00:14:40.000 --> 00:14:41.600
in the driveway unlocked, right.

257
00:14:41.519 --> 00:14:45.159
And how the world has changed, it has that.

258
00:14:45.240 --> 00:14:49.000
It's like it's a habit now to make sure all

259
00:14:49.039 --> 00:14:53.039
your doors and windows are locked. And we have alarm systems, right,

260
00:14:53.120 --> 00:14:56.159
And if you're staying by yourself, if your spouse is

261
00:14:56.159 --> 00:14:58.399
not with you, you know, especially that happens with me.

262
00:14:58.840 --> 00:15:03.240
I turned the alarm on, you know, but to the

263
00:15:03.279 --> 00:15:05.279
point the last time I did it, I forgot and

264
00:15:05.320 --> 00:15:08.639
opened up one of the doors the next morning and

265
00:15:08.679 --> 00:15:14.279
it went blaring. But yeah, the world has just changed

266
00:15:14.600 --> 00:15:15.440
so much.

267
00:15:16.440 --> 00:15:19.600
And by the way it's it's going to change a

268
00:15:19.639 --> 00:15:20.320
lot more.

269
00:15:20.720 --> 00:15:21.159
It will.

270
00:15:21.960 --> 00:15:28.639
Most people are nowhere's near aware of how dramatic AI,

271
00:15:28.840 --> 00:15:32.120
for example, going to be changing things in the next

272
00:15:32.159 --> 00:15:38.039
two to ten years. So our world online is going

273
00:15:38.080 --> 00:15:41.919
to be in some respects almost unrecognizable in two to

274
00:15:42.000 --> 00:15:43.639
five years because of those changes.

275
00:15:44.279 --> 00:15:48.600
Yeah, you know, I mean, AI really has only been

276
00:15:50.200 --> 00:15:54.360
really out in the public for five maybe seven.

277
00:15:54.159 --> 00:15:58.440
Years exactly, But however it's been around a long time,

278
00:15:58.519 --> 00:16:03.799
fifteen years since it started. Roughly when I was in

279
00:16:03.840 --> 00:16:06.519
physical security, which was back around two thousand and two,

280
00:16:07.480 --> 00:16:10.200
we were building what we called man traps, which is

281
00:16:10.360 --> 00:16:12.759
a you know, when you go into a mall and

282
00:16:12.799 --> 00:16:15.440
there's set of doors and then another set of doors. Yes,

283
00:16:15.840 --> 00:16:18.919
so sometimes they have these entries going into a building

284
00:16:19.440 --> 00:16:23.120
and they'll have a checkpoint for somebody from a security

285
00:16:23.159 --> 00:16:27.720
perspective on the side of that front door and entry. Okay,

286
00:16:27.759 --> 00:16:31.919
and this is back when Stars came out, remember SARS.

287
00:16:31.960 --> 00:16:33.360
I don't know if you remember this, but it was

288
00:16:33.440 --> 00:16:37.519
just like COVID, but the early edition. So we were

289
00:16:37.600 --> 00:16:40.240
designing these things where they would walk in the front door.

290
00:16:40.360 --> 00:16:43.159
There was a camera above the inner door, and it

291
00:16:43.159 --> 00:16:46.080
would actually get your temperature and it would lock the

292
00:16:46.159 --> 00:16:48.639
door if you had a temperature over one hundred.

293
00:16:49.240 --> 00:16:49.799
Oh wow.

294
00:16:50.080 --> 00:16:53.600
Yeah, So this is and we had to use AI

295
00:16:54.480 --> 00:16:56.840
back then, this is the two thousand and one to

296
00:16:56.879 --> 00:16:59.799
two thousand and three time frame, in order to determine

297
00:17:00.000 --> 00:17:02.440
whether or not we should open the door, close the door,

298
00:17:02.919 --> 00:17:05.359
allow the person in, allowed them, not allowed the men,

299
00:17:06.160 --> 00:17:09.519
and what their temperature was, and then use which camera

300
00:17:09.720 --> 00:17:13.599
associated with which door. The whole thing was AI right, right.

301
00:17:15.319 --> 00:17:19.200
So now that we've brought AI into it and we

302
00:17:19.279 --> 00:17:22.559
have all of these you know, pass keys, right, and

303
00:17:22.680 --> 00:17:28.559
I would imagine that has some sort of AI component

304
00:17:28.680 --> 00:17:33.839
to it because it's built on the biometric information using

305
00:17:33.960 --> 00:17:37.720
a facial scan, a fingerprint, or.

306
00:17:38.960 --> 00:17:39.400
A pin.

307
00:17:40.680 --> 00:17:43.920
And like for my laptop when it's locked and it

308
00:17:44.000 --> 00:17:47.440
locks after you know, thirty seconds or something like that,

309
00:17:47.839 --> 00:17:51.599
you have to have my fingerprint right to open it up,

310
00:17:52.000 --> 00:17:54.319
or you have to know the password.

311
00:17:56.640 --> 00:18:01.559
But what are your What are your thoughts on that.

312
00:18:01.599 --> 00:18:04.359
I've read a lot of security people say that that's

313
00:18:04.839 --> 00:18:09.519
safer than using a password, and I think part of

314
00:18:09.559 --> 00:18:11.400
the reason, and I don't know if it's a lot

315
00:18:11.440 --> 00:18:15.200
of the reason, is because we like to reuse passwords,

316
00:18:15.559 --> 00:18:18.039
we use the ones that are very easy to crack.

317
00:18:19.279 --> 00:18:24.480
But maybe there's some other reasons why it's considered safer.

318
00:18:25.119 --> 00:18:27.200
Sure, yeah, I can get into that a little bit.

319
00:18:27.559 --> 00:18:31.119
So when you use a mobile device or you use

320
00:18:31.839 --> 00:18:34.319
a physical device, like on a lot of laptops now

321
00:18:34.319 --> 00:18:37.000
they have a fingerprint scanner, yep, they have the camera

322
00:18:37.079 --> 00:18:41.599
for facial recognition. So a lot of people fear those

323
00:18:41.680 --> 00:18:45.480
technologies because they think it's taking their personal information. Yes,

324
00:18:45.960 --> 00:18:48.440
the first part is, let me allay your fear. It

325
00:18:48.519 --> 00:18:52.079
is not that. When you view the fingerprint, it plots

326
00:18:52.079 --> 00:18:54.160
out a bunch of points and it becomes a little

327
00:18:54.200 --> 00:18:58.839
mathematical snippet. It's not taking your fingerprint, So nobody's getting

328
00:18:58.880 --> 00:19:02.319
your fingerprint, always getting your actual face. They catch a

329
00:19:02.319 --> 00:19:05.000
bunch of little plot points and they can tell by

330
00:19:05.039 --> 00:19:07.880
the cheak height, the eyebrow height, the gin height, all

331
00:19:07.880 --> 00:19:12.839
of that where you are different from somebody else. Okay,

332
00:19:12.839 --> 00:19:16.559
so it's figuring out depth, that's figuring out the dimensions,

333
00:19:16.799 --> 00:19:20.160
it's figuring out skin coloring in some cases, and those

334
00:19:20.200 --> 00:19:25.160
types of facial recognition or biometrics are not capturing your

335
00:19:25.319 --> 00:19:29.119
likeness or your data personal data. They're only making a

336
00:19:29.160 --> 00:19:32.599
calculation and using AI to then well, it's not even

337
00:19:32.680 --> 00:19:36.960
using AI, it's using an encryption technology where the encryption

338
00:19:38.200 --> 00:19:42.880
crunches that information down into a small little number, and

339
00:19:42.920 --> 00:19:46.960
that randomized number is then assigned to your identity on

340
00:19:47.039 --> 00:19:49.960
the system and it looks for that number. It's called

341
00:19:49.960 --> 00:19:53.400
a hash. Okay, so every time you come onto the computer,

342
00:19:54.039 --> 00:19:57.519
there's a hash of your When you do the facial recognition,

343
00:19:58.279 --> 00:20:03.640
the facial the thing that you have, the phone has

344
00:20:03.720 --> 00:20:07.880
a tool that identifies the thing who you are based

345
00:20:07.880 --> 00:20:11.519
on the picture or the fingerprint skin, and that is

346
00:20:11.599 --> 00:20:14.119
kept as just a little number inside the phone. It

347
00:20:14.160 --> 00:20:16.200
does it all locally here. It doesn't send it up

348
00:20:16.240 --> 00:20:18.960
to a server, okay, just does it right here. And

349
00:20:19.000 --> 00:20:21.880
then once you do that biometric, it pairs the two

350
00:20:21.960 --> 00:20:25.519
together and it says that that's pretty unique. Because you

351
00:20:25.640 --> 00:20:28.680
have this device which is known to be yours, registered

352
00:20:28.720 --> 00:20:32.400
to you. You have your number that says yeah, I

353
00:20:32.440 --> 00:20:35.960
got a good biometric read, okay, And when you pair

354
00:20:36.000 --> 00:20:38.680
those two together, it sends those off as a yes

355
00:20:38.839 --> 00:20:41.920
or a no. That's it. And that yes or no

356
00:20:42.039 --> 00:20:44.079
goes up to maybe a web page you're trying to

357
00:20:44.119 --> 00:20:48.559
log into, or your computer or your tablet or whatever.

358
00:20:49.440 --> 00:20:52.160
So interesting, that's the essence of a pass key.

359
00:20:53.160 --> 00:20:55.720
So is that the same as when you go to

360
00:20:55.759 --> 00:20:59.559
the airport and they take your picture.

361
00:21:01.160 --> 00:21:03.759
Because I think they're probing the same thing.

362
00:21:03.960 --> 00:21:05.240
Okay, because I did ask.

363
00:21:05.759 --> 00:21:09.599
I was curious, right, I think sometimes my my husband

364
00:21:09.599 --> 00:21:12.799
probably wishes I wasn't in this area, but I'm curious,

365
00:21:12.839 --> 00:21:14.599
and I'm like, you know, there's a lot of people

366
00:21:14.599 --> 00:21:19.559
that don't want their pictures taken. And so she's like,

367
00:21:20.759 --> 00:21:25.079
you know, the the scanning that's done is automatically deleted

368
00:21:25.440 --> 00:21:29.200
within I think she said, a couple of minutes after

369
00:21:30.640 --> 00:21:33.119
the scan is done. But so it's it's the same

370
00:21:33.160 --> 00:21:34.960
thing as if you were going to be like logging.

371
00:21:35.000 --> 00:21:37.400
It's looking for those points. But I think a lot

372
00:21:37.480 --> 00:21:41.920
of people think that it's giving information to in that

373
00:21:42.039 --> 00:21:44.839
instance would be the government, because it's tsa that you're

374
00:21:44.839 --> 00:21:45.440
going through.

375
00:21:46.279 --> 00:21:49.920
So let me again explain that technology. Because I've actually

376
00:21:49.920 --> 00:21:56.640
installed that exact technology at Fort Lauderdale Airport HAIR in Boston. Okay,

377
00:21:56.960 --> 00:21:59.960
so I've done it, and Washington d C, Washington National.

378
00:22:01.240 --> 00:22:04.720
I have had exposure to all of those technologies and

379
00:22:04.839 --> 00:22:07.680
every single one of them. They may take a picture

380
00:22:07.960 --> 00:22:10.599
of you and it gets stored locally so that they

381
00:22:10.640 --> 00:22:15.480
can do the plot on the system and a two

382
00:22:15.599 --> 00:22:17.759
D instead of in this three D thing real time,

383
00:22:18.519 --> 00:22:20.920
but it has to delete it because here's the catch.

384
00:22:21.400 --> 00:22:26.200
Pictures are not a small bandwidth thing. The server that's

385
00:22:26.279 --> 00:22:30.279
letting you in is not in It's not in that device,

386
00:22:30.839 --> 00:22:34.319
it's back somewhere and you know, back in the network.

387
00:22:34.319 --> 00:22:36.519
And if you know what's going on with the FAA

388
00:22:36.640 --> 00:22:39.960
right now, the FAA is having a really big problem

389
00:22:39.960 --> 00:22:43.160
with the fact that not all of their airports are

390
00:22:43.200 --> 00:22:48.079
connected with fiber. They don't have great bandwidth, so a

391
00:22:48.119 --> 00:22:50.839
lot of them have dial up lines. I know that

392
00:22:50.880 --> 00:22:56.359
sounds nuts, but DSL and coax cable and that's their backbone.

393
00:22:56.480 --> 00:22:59.440
So they don't always have the highest possible bandwidth. And

394
00:22:59.440 --> 00:23:04.359
guess what that prioritize for air traffic control. Yes, so

395
00:23:04.400 --> 00:23:07.559
they're not going to let the security guy who installs

396
00:23:07.599 --> 00:23:08.200
this take.

397
00:23:08.079 --> 00:23:12.680
All the bandwidth with those vangers, right, Well, that makes

398
00:23:12.799 --> 00:23:16.559
total sense, right, you definitely want the bandwidth going to

399
00:23:16.599 --> 00:23:18.480
air traffic control exactly.

400
00:23:19.319 --> 00:23:23.039
That's safety way when you think about the fact that

401
00:23:23.079 --> 00:23:26.359
they handled maybe a thousand flights with two hundred and

402
00:23:26.400 --> 00:23:28.519
fifty people on each flight a day, and they're going

403
00:23:28.519 --> 00:23:30.480
to take all of those pictures and stuff it through

404
00:23:30.519 --> 00:23:31.240
a tiny pipe.

405
00:23:31.319 --> 00:23:31.680
No.

406
00:23:32.160 --> 00:23:34.880
No, When you think about just on your phone, right,

407
00:23:35.599 --> 00:23:40.799
whatever cloud storage you have, you know, you might have

408
00:23:40.920 --> 00:23:44.960
a lot of photos on your phone, maybe not too

409
00:23:45.000 --> 00:23:48.880
many videos, but you can pretty quickly get to a

410
00:23:48.920 --> 00:23:52.759
point where you've got to go in and start deleting things, yes,

411
00:23:52.839 --> 00:23:56.279
before it'll start saving more things on there because or

412
00:23:56.319 --> 00:23:58.680
you have to buy more storage exactly.

413
00:23:58.799 --> 00:24:02.960
And yeah, so if you go back to a little

414
00:24:03.000 --> 00:24:07.039
bit of computer terminology for a second, when we started

415
00:24:07.079 --> 00:24:09.799
out with computers, we started with bits, which is a

416
00:24:09.839 --> 00:24:12.599
one or a zero, and then we got to bytes,

417
00:24:12.640 --> 00:24:16.039
which is eight of those, right, okay, and then your

418
00:24:16.079 --> 00:24:21.079
passwords tend to be if you've got sixteen words, that's

419
00:24:21.119 --> 00:24:24.319
maybe one hundred and twenty eight bits, one hundred and

420
00:24:24.359 --> 00:24:27.960
twenty eight ones and zeros okay, and that pattern of

421
00:24:27.960 --> 00:24:32.000
one hundred and twenty eight. That's nothing to shoot across

422
00:24:32.039 --> 00:24:35.759
that wire. But that's one hundred and twenty eight bits.

423
00:24:36.279 --> 00:24:39.319
You're going to take a picture which has two point

424
00:24:39.359 --> 00:24:43.319
five million bits for so wow and transcend that. It

425
00:24:43.440 --> 00:24:47.680
just can't stuff that much data quickly enough across the

426
00:24:47.720 --> 00:24:50.880
wire to do that kind of decision making. So it's

427
00:24:51.000 --> 00:24:53.440
really a very small number that goes across the wire.

428
00:24:53.960 --> 00:24:55.640
Now your picture, you don't have.

429
00:24:55.640 --> 00:25:02.440
To worry enough to capture those focal points that determine that, hey,

430
00:25:02.480 --> 00:25:03.000
this is you.

431
00:25:03.759 --> 00:25:06.599
Yes. And the only reason they have a picture on

432
00:25:06.640 --> 00:25:09.640
the local device is the local device has a process

433
00:25:09.720 --> 00:25:12.920
or a small processor compared to your computer. But that

434
00:25:13.039 --> 00:25:16.160
small processor has to be able to work with the

435
00:25:16.240 --> 00:25:20.119
image when you are standing in front of the camera.

436
00:25:20.720 --> 00:25:24.200
That is that image of you is like our video

437
00:25:24.319 --> 00:25:27.519
right now. That's a lot of bandwidth going into the camera.

438
00:25:28.000 --> 00:25:31.319
So it captures one still, it tries to wait until

439
00:25:31.359 --> 00:25:32.119
you get you know.

440
00:25:32.559 --> 00:25:36.720
Yes exactly because you see it going in there right,

441
00:25:36.920 --> 00:25:41.079
And sometimes it won't take the picture, and so it can't.

442
00:25:40.839 --> 00:25:43.160
Take a video of you and then find that the

443
00:25:43.200 --> 00:25:46.279
plot points because you might be moving right, and so

444
00:25:46.759 --> 00:25:49.200
it needs to snap that one shot and then it

445
00:25:49.240 --> 00:25:51.920
plots it out and it sticks it in and says, Okay,

446
00:25:51.920 --> 00:25:55.519
here's the sixteen bit character set or whatever. Here's the

447
00:25:55.559 --> 00:25:58.880
sixteen bits that make up the face that I caught.

448
00:25:59.400 --> 00:26:02.480
And then there's that sixteen bit to a big database

449
00:26:02.480 --> 00:26:04.680
of other sixteen bit numbers that it knows.

450
00:26:05.119 --> 00:26:05.480
Got it.

451
00:26:05.680 --> 00:26:08.359
That might be the part where it goes out and

452
00:26:08.480 --> 00:26:09.400
comes back.

453
00:26:09.279 --> 00:26:12.680
But it's it's a number. Help for that, Okay.

454
00:26:12.720 --> 00:26:18.000
So when I mentioned pass keys and I said facial

455
00:26:18.039 --> 00:26:21.759
recognition or fingerprint, it also talks about a pin. And

456
00:26:21.960 --> 00:26:25.920
this actually just came up. One of the attendees yesterday

457
00:26:26.680 --> 00:26:30.480
had asked this question first person in four years and

458
00:26:30.519 --> 00:26:33.680
we've talked to probably close to eight thousand people that

459
00:26:33.759 --> 00:26:37.000
has asked this question, and it was, well, a pin.

460
00:26:38.200 --> 00:26:43.720
That seems like a pin could be easily figured out

461
00:26:44.079 --> 00:26:46.920
and then someone like a password, and then someone could

462
00:26:47.000 --> 00:26:50.160
get into your device. So how is the pin more

463
00:26:50.240 --> 00:26:51.759
safe than a password?

464
00:26:52.279 --> 00:26:58.160
Right? So you're looking for multi factors. So multi factors

465
00:26:58.200 --> 00:27:02.759
include who you are, what you have, and what you know.

466
00:27:03.680 --> 00:27:06.440
So you're not doing just a pin. You're doing the

467
00:27:06.559 --> 00:27:10.480
pin plus the device you're on, which is what you have.

468
00:27:11.799 --> 00:27:14.759
So when you do this, if you don't have the phone.

469
00:27:15.400 --> 00:27:17.920
The phone has maybe a two hundred and fifty six

470
00:27:18.119 --> 00:27:22.759
bit knowledge of who you are encoded on. Here, your

471
00:27:22.880 --> 00:27:26.960
pin is done only on that device. You may use

472
00:27:26.960 --> 00:27:30.400
it in multiple places, but technically it's unique to this

473
00:27:30.440 --> 00:27:33.440
device my computer, I can use different pins. I could

474
00:27:33.519 --> 00:27:36.480
use the same pin, but let's face it, the same

475
00:27:36.559 --> 00:27:41.400
advice exists for pins that exist for passwords. Try and

476
00:27:41.519 --> 00:27:44.200
change it up on my computer. I have one pin

477
00:27:44.559 --> 00:27:46.880
on my tablet. I have a different pin on my phone.

478
00:27:46.920 --> 00:27:50.039
I have a different pin. So if you have a

479
00:27:50.079 --> 00:27:54.559
device unique pen, then the pin is really only unlocking

480
00:27:54.640 --> 00:27:57.000
the thing you have, which is that one factor of

481
00:27:57.079 --> 00:27:58.400
two factors of authentication.

482
00:27:58.599 --> 00:28:02.559
So the pin that the past key would be a

483
00:28:02.640 --> 00:28:05.680
four or six digit pin number that you come up with,

484
00:28:06.880 --> 00:28:10.319
not like a multi factor authentication that it's just a

485
00:28:10.400 --> 00:28:11.759
random exactly.

486
00:28:11.920 --> 00:28:15.160
That is, this isn't when they send you the code, right,

487
00:28:15.279 --> 00:28:17.880
because you're putting the pin on and the only reason

488
00:28:17.880 --> 00:28:21.000
the pin works is because it's you in a device

489
00:28:21.119 --> 00:28:21.680
you own.

490
00:28:22.559 --> 00:28:27.880
Okay, so it's you could have someone else's phone. Your

491
00:28:27.960 --> 00:28:31.680
pin's not going to work in that phone because it's

492
00:28:31.720 --> 00:28:36.279
someone else's phone. So somebody would actually physically have to

493
00:28:36.359 --> 00:28:40.160
have your phone and know what your PIN number is

494
00:28:40.720 --> 00:28:43.319
in order then to be able to get in, which

495
00:28:43.359 --> 00:28:46.240
would be somebody would physically need to have your phone.

496
00:28:47.039 --> 00:28:49.000
And I see this when I watch like I like

497
00:28:49.039 --> 00:28:50.599
to watch the FBI shows.

498
00:28:50.880 --> 00:28:53.440
Right, somebody's unconscious, they take the phone and put it

499
00:28:53.440 --> 00:28:56.519
in front of their face and it lets them in,

500
00:28:56.759 --> 00:29:00.319
or they do the fingerprint, right, but somebody physically has

501
00:29:00.400 --> 00:29:03.799
to have your phone or and then know your pin

502
00:29:04.359 --> 00:29:06.119
or have you put your PIN number in.

503
00:29:06.519 --> 00:29:09.519
That is a very legitimate work around to some of

504
00:29:09.559 --> 00:29:14.000
these multi factor authentication strategies because if somebody can scan

505
00:29:14.079 --> 00:29:18.279
your face, I mean, I know. We actually figured out

506
00:29:18.319 --> 00:29:20.799
how to lift fingerprints, you know, we had to test

507
00:29:20.839 --> 00:29:23.279
all of the different fingerprint reader devices when I did

508
00:29:23.319 --> 00:29:27.640
physical security, and so there was a way to take

509
00:29:27.799 --> 00:29:31.440
a tape and collect the fingerprint and then put it

510
00:29:31.519 --> 00:29:35.559
onto a silicon type glove and then take it off

511
00:29:35.640 --> 00:29:39.799
and then put like a piece of fruit or a

512
00:29:39.799 --> 00:29:43.920
piece of something inside that made the in the glove

513
00:29:44.480 --> 00:29:45.400
that would give it.

514
00:29:45.799 --> 00:29:48.559
Like there was actually a finger in there yet.

515
00:29:49.279 --> 00:29:51.079
So you were able to do that, and then if

516
00:29:51.119 --> 00:29:53.039
you've got the you didn't have to always get the

517
00:29:53.079 --> 00:29:55.599
body temperature right. But now there are sensors that you

518
00:29:55.640 --> 00:29:58.680
have to get the body temperature right too, So all

519
00:29:58.720 --> 00:30:01.480
of those elements them into play when you're doing something

520
00:30:01.519 --> 00:30:05.039
like this, are they Is it possible to defeat them? Yes,

521
00:30:05.279 --> 00:30:09.160
And that's why they want two or three of these things.

522
00:30:09.480 --> 00:30:11.680
The thing you know, the thing you have, and who

523
00:30:11.720 --> 00:30:15.440
you are. So those three things together make it much

524
00:30:15.480 --> 00:30:19.759
harder to spoof. But that doesn't mean it's not. It's possible.

525
00:30:20.279 --> 00:30:21.279
Anything's possible.

526
00:30:21.920 --> 00:30:23.960
I mean anything, And that's why I tell them nothing's

527
00:30:24.000 --> 00:30:28.039
full proof, right, So you know that right there, seems

528
00:30:28.119 --> 00:30:31.960
like that's a deterrent. It is, because that would take

529
00:30:32.200 --> 00:30:36.640
a lot longer to do for a scammer to do,

530
00:30:37.240 --> 00:30:40.480
because one, they have to have the physical device. Two

531
00:30:40.519 --> 00:30:42.680
they're going to have to try to lift your fingerprint

532
00:30:42.720 --> 00:30:45.319
from someplace on a piece of tape, put it on

533
00:30:45.359 --> 00:30:49.400
a silicone glove, do this right. If they've got your phone,

534
00:30:49.839 --> 00:30:53.440
chances are they might be they might have you, you know,

535
00:30:53.480 --> 00:30:55.559
I don't know, but it just seems like it's a

536
00:30:55.599 --> 00:30:58.519
lot of work. And we know that they're lazy and

537
00:30:58.599 --> 00:31:01.079
they're going to get they have enough low hanging fruit,

538
00:31:01.160 --> 00:31:03.599
they're going to go after other more simpler ways.

539
00:31:04.839 --> 00:31:07.039
As a matter of fact, I wrote an article a

540
00:31:07.079 --> 00:31:12.160
while ago which was make it just difficult enough that

541
00:31:12.279 --> 00:31:14.759
they say too much trouble moving on?

542
00:31:16.559 --> 00:31:20.880
Yeah, right now, it makes total sense. I don't want

543
00:31:20.920 --> 00:31:23.440
to climb the tree. I just want to grab what's

544
00:31:23.599 --> 00:31:27.519
available exactly. I'm going to take what's hanging low. Yeah,

545
00:31:27.519 --> 00:31:28.960
I don't want to have to climb the tree to

546
00:31:28.960 --> 00:31:31.960
get the fruit. So yeah, it makes total sense. Well,

547
00:31:32.000 --> 00:31:35.799
I want to move on to the password managers. So

548
00:31:35.960 --> 00:31:38.640
I get asked this question a lot, and not just

549
00:31:38.720 --> 00:31:42.319
with password managers. It could be with credit monitoring software,

550
00:31:42.440 --> 00:31:45.759
it could be with anti virus software. A lot of

551
00:31:45.759 --> 00:31:48.400
different you know software is out there for different things

552
00:31:48.519 --> 00:31:53.559
VPNs and they're like, well, you know what's the what's

553
00:31:53.599 --> 00:31:58.119
the best one? And it's like, you know one, that's

554
00:31:58.160 --> 00:32:02.759
really hard because everyone's person situation is different for what

555
00:32:02.839 --> 00:32:05.960
they're looking for, the risk they want to take or

556
00:32:06.000 --> 00:32:10.759
not take, the budget they have available to spend on this,

557
00:32:11.720 --> 00:32:14.599
everything is and there's so many of them out there.

558
00:32:14.720 --> 00:32:18.400
So what we suggest is, you know, just type in

559
00:32:18.799 --> 00:32:25.119
the best the best password managers for twenty twenty six,

560
00:32:25.400 --> 00:32:30.440
and if you want to say, the best password managers

561
00:32:30.559 --> 00:32:33.839
for seniors for twenty twenty six. You're going to get

562
00:32:33.880 --> 00:32:38.119
all these tech companies that have they constantly monitor these

563
00:32:38.160 --> 00:32:41.640
softwares and they evaluate them, They go through and see

564
00:32:41.680 --> 00:32:46.880
how they work. They have a whole tech staff right that,

565
00:32:46.880 --> 00:32:50.319
that's all they do. And then they're always updating these

566
00:32:50.440 --> 00:32:54.240
articles and they will rate them, and they will tell

567
00:32:54.279 --> 00:32:57.359
you the pros and cons as to why the positives

568
00:32:57.400 --> 00:33:01.119
the negatives, and then they tell you about it and

569
00:33:01.160 --> 00:33:04.359
they might even say, we've rated this one the best

570
00:33:04.440 --> 00:33:08.559
for seniors and this is why. And so I said,

571
00:33:08.599 --> 00:33:13.200
that's why we don't recommend any specific password manager or

572
00:33:13.240 --> 00:33:17.599
any specific software, because what works for me might not

573
00:33:17.759 --> 00:33:21.759
work for you, and vice versa, because there's so many

574
00:33:21.759 --> 00:33:24.960
individual factors that go in come into play when you're

575
00:33:25.000 --> 00:33:28.960
determining what you want to get. But have you come

576
00:33:29.000 --> 00:33:33.799
across any password managers that just seem to work better

577
00:33:34.039 --> 00:33:35.880
for the older adult population?

578
00:33:38.720 --> 00:33:44.559
Yes? And no? Okay, So first off, when it comes

579
00:33:44.599 --> 00:33:49.079
to older population, I have two parents, they're both fortunately

580
00:33:49.119 --> 00:33:53.200
still alive, and I have a password manager family profile

581
00:33:53.519 --> 00:33:58.279
that I manage, Okay, both of them. Okay, So number one,

582
00:33:58.720 --> 00:34:01.079
you got the who who knows how to program a

583
00:34:01.160 --> 00:34:05.319
VCR person in your family? You have to have that

584
00:34:05.359 --> 00:34:07.880
person in your family in a perfect world.

585
00:34:08.239 --> 00:34:08.440
Yeah.

586
00:34:08.559 --> 00:34:11.880
So, and then the second part has to do with

587
00:34:13.000 --> 00:34:15.559
where do you use it, when do you use it,

588
00:34:15.599 --> 00:34:18.559
and how do you use it? Right, So, when it

589
00:34:18.599 --> 00:34:21.280
comes to password managers, you have to ask yourself, am

590
00:34:21.320 --> 00:34:25.320
I on a Windows machine, a mac, a tablet, a phone, whatever?

591
00:34:25.920 --> 00:34:28.800
And in a lot of cases, and also do you

592
00:34:28.960 --> 00:34:32.559
have multiple things? Like I have a Windows laptop over here,

593
00:34:33.000 --> 00:34:36.960
an iPad, my iPhone, and then I also have another

594
00:34:37.280 --> 00:34:41.920
PC downstairs that I use. So all of these different computers,

595
00:34:42.079 --> 00:34:44.280
I just go from one to the other, and I

596
00:34:44.280 --> 00:34:46.760
want to have the same exact password manager on all

597
00:34:46.800 --> 00:34:49.119
of them. Right. That way, I don't have to think.

598
00:34:50.079 --> 00:34:54.559
It transitions operating system to operating system, and it synchronizes

599
00:34:54.599 --> 00:34:56.599
the passwords, so I don't have to worry about it.

600
00:34:57.360 --> 00:35:00.559
But there's a lot of people will say there's danger

601
00:35:00.599 --> 00:35:03.840
in that, because once you have something that synchronizes, you

602
00:35:03.920 --> 00:35:07.599
have a problem. But here's the catch to that. Using

603
00:35:07.679 --> 00:35:11.679
a password manager, I'm going to divert for a second

604
00:35:11.719 --> 00:35:17.719
to another technology totally separate. There are cars and then

605
00:35:17.760 --> 00:35:21.280
there are teslas. And I'm bringing this up because Tesla

606
00:35:21.320 --> 00:35:24.519
has one feature that no other car has and that

607
00:35:24.639 --> 00:35:27.159
is self driving. So if you want a car that

608
00:35:27.199 --> 00:35:30.320
can drive itself, the only car in the market that

609
00:35:30.360 --> 00:35:33.679
can truly do it for a consumer safely is a Tesla.

610
00:35:34.079 --> 00:35:36.719
Every other car has maybe driver assists and a couple

611
00:35:36.760 --> 00:35:39.719
of other things like that. So when it comes to

612
00:35:39.840 --> 00:35:44.960
that that safety driving technology is ten times better than

613
00:35:44.960 --> 00:35:49.159
a human being, period across the board. Now let's step

614
00:35:49.199 --> 00:35:52.559
out of that. The reason that's important is because we drive.

615
00:35:52.679 --> 00:35:55.880
Eventually we stop driving as well, and if a computer

616
00:35:55.920 --> 00:35:58.840
can do it ten times better than us, great, same

617
00:35:58.840 --> 00:36:02.760
thing goes for our passwords here. Okay, the network connection

618
00:36:02.880 --> 00:36:07.760
between the passwords is a sophisticated thing to hack, so

619
00:36:07.800 --> 00:36:10.639
it's not low hanging fruit. Okay, it's not something that's

620
00:36:10.679 --> 00:36:14.119
going to be easily picked up in most cases. The

621
00:36:14.239 --> 00:36:18.119
database is for those password managers on your local machine.

622
00:36:18.320 --> 00:36:22.920
It's all heavily encrypted, so no hackers going after your database.

623
00:36:23.360 --> 00:36:28.440
It's too hard. The servers, they may have the ability

624
00:36:28.480 --> 00:36:29.880
to hack in, and a lot of you may have

625
00:36:29.920 --> 00:36:33.000
heard like one password got hacked and things like that.

626
00:36:33.159 --> 00:36:34.280
Yes, there were a few of them.

627
00:36:34.440 --> 00:36:37.960
Yeah, they were only able to get into the company's data,

628
00:36:38.239 --> 00:36:39.840
not into anybody's vaults.

629
00:36:40.039 --> 00:36:43.760
Exactly all of your encrypted data is not low hanging fruit,

630
00:36:43.960 --> 00:36:47.360
and so your ninety nine percent or way way higher

631
00:36:47.360 --> 00:36:50.039
than ninety nine percent of the time. It's way safer

632
00:36:50.119 --> 00:36:53.199
to use a password manager than it is to not

633
00:36:53.360 --> 00:36:55.800
have one. And that's exactly why I was bringing up

634
00:36:55.840 --> 00:36:58.719
the Tesla thing. Way safer to have self driving than

635
00:36:58.760 --> 00:37:01.360
not having it, is all the point wise. Okay, so

636
00:37:02.119 --> 00:37:05.880
it's safer to have a password manager, But here's your questions.

637
00:37:06.320 --> 00:37:11.239
Do you need it on multiple operating systems? Is it Windows, Apple, iPads,

638
00:37:11.599 --> 00:37:14.920
maybe even Linux? So if that's a yes, you need

639
00:37:14.960 --> 00:37:18.000
to put that's your first most important technology.

640
00:37:18.400 --> 00:37:18.679
Okay.

641
00:37:18.760 --> 00:37:21.920
Second, do you have a DVR programmer in your family

642
00:37:22.119 --> 00:37:24.639
who's going to help you? And if so, then you

643
00:37:24.679 --> 00:37:27.480
want to know do they have a family package so

644
00:37:27.480 --> 00:37:30.000
that I can have five or ten or fifteen people

645
00:37:30.000 --> 00:37:32.960
in a family call right? And then do they have

646
00:37:33.000 --> 00:37:37.360
the ability to have somebody manage for everybody? And when

647
00:37:37.360 --> 00:37:40.639
somebody manages for everybody, they can see your passwords, but

648
00:37:40.679 --> 00:37:43.039
they can help make sure that if you get locked out,

649
00:37:43.280 --> 00:37:44.159
they get you back in.

650
00:37:45.400 --> 00:37:46.400
That is great.

651
00:37:46.519 --> 00:37:49.400
That is great because that's one thing that we do

652
00:37:49.679 --> 00:37:53.960
talk to them about is you know, with the password managers.

653
00:37:54.000 --> 00:37:57.599
You don't have to worry about coming up with strong passwords.

654
00:37:57.599 --> 00:38:00.400
They will automatically generate them for you. When you go

655
00:38:00.480 --> 00:38:03.519
to log in, you click on the icon, it fills

656
00:38:03.559 --> 00:38:04.800
everything in for you.

657
00:38:05.320 --> 00:38:06.679
There's a place for notes.

658
00:38:06.760 --> 00:38:09.559
So like some of the financial accounts I get into,

659
00:38:10.880 --> 00:38:14.719
it's been issued like a business code, right, and so

660
00:38:14.800 --> 00:38:16.719
I have to have that business code and I put

661
00:38:16.800 --> 00:38:20.599
that in the notes. Or sometimes the security questions, I

662
00:38:20.679 --> 00:38:22.559
have those in the notes, so I don't have to

663
00:38:22.599 --> 00:38:26.440
have them written down someplace because when I answer security questions,

664
00:38:26.440 --> 00:38:29.199
I lie and it's like I can't remember all those

665
00:38:29.280 --> 00:38:32.519
lies the answers they're given, right, you know, you got

666
00:38:32.559 --> 00:38:35.519
to have them in there someplace. But we say you

667
00:38:35.599 --> 00:38:39.880
still have to remember the password to your vault because

668
00:38:40.119 --> 00:38:45.159
if you don't have it or you forget it, you

669
00:38:45.239 --> 00:38:48.480
can't call the company and give them your account information

670
00:38:48.719 --> 00:38:50.199
because they don't have it.

671
00:38:50.920 --> 00:38:52.000
You're locked out.

672
00:38:53.519 --> 00:38:55.119
Technically, whole thing.

673
00:38:55.800 --> 00:38:59.400
Yes, and so that's great that they would have have

674
00:38:59.519 --> 00:39:02.519
the capable ability with some of their plans, to be

675
00:39:02.639 --> 00:39:06.639
able to have someone else be the manager in essence

676
00:39:06.679 --> 00:39:07.639
a family plan.

677
00:39:08.199 --> 00:39:10.760
So then in your instance, you.

678
00:39:10.840 --> 00:39:15.199
Are the manager for yours and your parents, and so

679
00:39:15.639 --> 00:39:20.719
as they get older, if some cognitive decline starts to happen,

680
00:39:20.800 --> 00:39:23.880
whatever starts to happen, if they have it written down

681
00:39:24.000 --> 00:39:26.119
and they might have forgotten where they keep it for

682
00:39:26.199 --> 00:39:31.239
safe keeping or however they keep it, they don't have

683
00:39:31.280 --> 00:39:34.880
to worry about that because you they can just say, hey,

684
00:39:35.239 --> 00:39:38.559
you know, I need to do this, or you know,

685
00:39:38.639 --> 00:39:41.400
what's what's my password? Or can you come help me,

686
00:39:42.199 --> 00:39:45.559
you know with this? So that that's great. The family

687
00:39:45.639 --> 00:39:49.519
plan I like that, and so there there are.

688
00:39:49.639 --> 00:39:52.440
A number of companies out there that have family plan

689
00:39:52.840 --> 00:39:55.559
or and it can be a corporate plan. By the way,

690
00:39:55.559 --> 00:39:57.599
it doesn't have to be just a family plan. So

691
00:39:57.679 --> 00:40:00.239
if you were if you had like my is the

692
00:40:00.280 --> 00:40:02.599
oldest of eleven, my father's the third of nine.

693
00:40:03.039 --> 00:40:03.440
Oh wow.

694
00:40:03.840 --> 00:40:06.159
I literally have about one hundred cousins, no.

695
00:40:06.280 --> 00:40:08.880
Joke, and about fifty.

696
00:40:09.679 --> 00:40:14.960
I don't do this for my family, but if somebody

697
00:40:15.079 --> 00:40:17.920
asked me to, I certainly could, and that would be

698
00:40:18.159 --> 00:40:22.239
logical because I would say, I'll take care of the

699
00:40:22.280 --> 00:40:24.400
whole family, and if you have a problem, you just

700
00:40:24.440 --> 00:40:25.960
text me or send me a note and I'll just

701
00:40:26.000 --> 00:40:28.719
do a quick unlock. I don't really want to do

702
00:40:28.800 --> 00:40:32.519
that because the family's so big and so many guarantee

703
00:40:32.519 --> 00:40:34.440
you that's going. But I could have a couple of

704
00:40:34.480 --> 00:40:37.800
people in a family do that, and we could get

705
00:40:37.840 --> 00:40:40.639
one product that can do it. And if that was

706
00:40:40.679 --> 00:40:44.760
the case that everybody contributed, like ten dollars or twenty dollars,

707
00:40:45.239 --> 00:40:47.320
then you could actually buy one of those much more

708
00:40:47.320 --> 00:40:50.920
expensive corporate plans for a large group and it wouldn't

709
00:40:50.960 --> 00:40:53.239
be a big deal. And the corporate plans, by the way,

710
00:40:53.239 --> 00:40:55.559
have the best security comparatively.

711
00:40:54.960 --> 00:41:00.000
Speaking, And that makes sense because they have so much

712
00:41:00.760 --> 00:41:06.559
there's so much more infrastructure and so many more risk

713
00:41:06.840 --> 00:41:10.719
human risk with corporations because of all the employees that

714
00:41:10.760 --> 00:41:14.039
they have, right, and and yes they can have all

715
00:41:14.039 --> 00:41:19.119
these firewalls put up, but all it takes is one person, right,

716
00:41:19.360 --> 00:41:24.840
having a week password. Like I was doing my cybersecurity trainings,

717
00:41:25.599 --> 00:41:28.039
catching up on those, and in one of them they

718
00:41:28.079 --> 00:41:30.599
talked about and it was one major company, I don't

719
00:41:30.639 --> 00:41:31.960
remember which company.

720
00:41:31.639 --> 00:41:33.039
It was, that.

721
00:41:34.480 --> 00:41:38.000
They were hackers were able to get in through an

722
00:41:38.039 --> 00:41:43.360
admin account because that admin account was still using password

723
00:41:43.480 --> 00:41:45.679
or no, it was using I think password one, two

724
00:41:45.679 --> 00:41:48.920
three or something generic like that, and so they were

725
00:41:48.960 --> 00:41:53.559
able to get in through that, and that's one person's

726
00:41:53.679 --> 00:41:57.440
mistake could affect the whole company, right, So yeah, there's

727
00:41:57.440 --> 00:42:00.519
so much more that has to go into con sideration

728
00:42:00.719 --> 00:42:04.400
when you're dealing with a company that has ten employees,

729
00:42:04.400 --> 00:42:06.519
one hundred employees, one thousand employees.

730
00:42:07.639 --> 00:42:11.920
Yeah, and by the way, there's a I was watching

731
00:42:12.000 --> 00:42:15.480
a show last night on YouTube, okay, and it was

732
00:42:15.519 --> 00:42:20.280
called family It had the channel was called Family Office. Okay,

733
00:42:20.519 --> 00:42:24.400
all right, and there's a they're basically now, this is

734
00:42:24.559 --> 00:42:29.800
more for affluent, wealthy folks in a sense, but especially

735
00:42:29.800 --> 00:42:31.880
when there's a lot of money in the families and

736
00:42:31.920 --> 00:42:34.039
they want to make sure it gets passed down to

737
00:42:34.079 --> 00:42:38.440
their future generations. But the concept is brilliant, which is,

738
00:42:38.679 --> 00:42:41.840
if you are part of a family and you've got

739
00:42:41.920 --> 00:42:45.119
at least ten people in your family across everybody that matters,

740
00:42:45.760 --> 00:42:49.039
you create a group called the family Office, and you

741
00:42:49.039 --> 00:42:52.440
can have somebody outside the family administer this, okay, But

742
00:42:52.519 --> 00:42:56.280
basically they help you with things like it solutions that

743
00:42:56.360 --> 00:42:59.320
might benefit the whole family, like why don't we just

744
00:42:59.440 --> 00:43:03.199
buy an office three sixty five package for the whole family,

745
00:43:03.880 --> 00:43:06.559
because we could get it cheaper if we bought it

746
00:43:06.599 --> 00:43:09.119
as ten people instead of one.

747
00:43:09.760 --> 00:43:13.679
So would the person that would be monitoring the family

748
00:43:13.719 --> 00:43:15.880
office would that be more of like a.

749
00:43:15.880 --> 00:43:20.400
Tech support type of IC person is going to monitor that.

750
00:43:20.800 --> 00:43:23.519
So part of the family office would be that you

751
00:43:23.639 --> 00:43:26.960
have a person who works with a company. The company

752
00:43:27.039 --> 00:43:30.320
is the family office, and that company it could be

753
00:43:30.760 --> 00:43:35.320
all online, right, no person involved, but it could also

754
00:43:35.400 --> 00:43:39.159
have an AI agent in it that services the whole family. Yeah,

755
00:43:39.280 --> 00:43:42.320
or it could be you know, like a real corporation

756
00:43:42.440 --> 00:43:45.400
that does this for you, like a like an appointed

757
00:43:46.559 --> 00:43:51.199
trustee of a trust, family trust. So the concept is

758
00:43:51.239 --> 00:43:54.639
that you have this person designated. Ideally, you have a

759
00:43:54.679 --> 00:43:58.199
company that can support it, and the whole family pays

760
00:43:58.199 --> 00:44:02.400
a few dollars into it so that this one entity

761
00:44:02.440 --> 00:44:04.719
can exist and take care of everybody in the family.

762
00:44:05.159 --> 00:44:08.679
And that is the organization that you get this password

763
00:44:08.719 --> 00:44:12.639
manager managed by, so that they do twenty four you know,

764
00:44:12.679 --> 00:44:14.840
they part of the services that they would offer a

765
00:44:14.880 --> 00:44:18.000
twenty four x seven tech support for everybody in a family.

766
00:44:18.480 --> 00:44:21.559
And they understand every product you guys have purchased as

767
00:44:21.599 --> 00:44:24.480
a family, and they know, Okay, I need to know Windows,

768
00:44:24.519 --> 00:44:26.360
I need to know MAC, I need to know iPad,

769
00:44:26.880 --> 00:44:29.719
and they do the whole thing for everybody, so that

770
00:44:29.960 --> 00:44:35.599
nobody has to pray that the person who's the VCR

771
00:44:35.719 --> 00:44:37.599
guru is not on vacation.

772
00:44:39.039 --> 00:44:43.159
That's true, right, I mean, because right, you don't want

773
00:44:43.159 --> 00:44:45.159
to be locked out for a week or two.

774
00:44:46.480 --> 00:44:49.280
And I think that this is something that doesn't exist

775
00:44:49.320 --> 00:44:54.159
today but should exist for elderly care because in our

776
00:44:54.480 --> 00:44:56.800
in the case of folks like us getting a little

777
00:44:56.800 --> 00:45:00.760
bit older, we're saying, you know, do I take care

778
00:45:00.760 --> 00:45:04.719
of my eighty five year old father and maybe you know,

779
00:45:05.039 --> 00:45:08.679
in my particular circumstances, I might want to go on

780
00:45:08.719 --> 00:45:12.039
a cruise and he can't connect with me, right right,

781
00:45:12.280 --> 00:45:14.400
He's out of luck, and I don't want to. I

782
00:45:14.440 --> 00:45:17.159
don't want to have that happen. So it makes sense

783
00:45:17.239 --> 00:45:20.000
to have, you know, especially if you could do an

784
00:45:20.039 --> 00:45:23.559
association and do the like I'm going to offer some

785
00:45:23.639 --> 00:45:28.480
IT services through a note an association that takes care

786
00:45:28.519 --> 00:45:31.599
of your family and the account for your family.

787
00:45:31.440 --> 00:45:35.639
Right right, I mean, it's great, like your parents have

788
00:45:35.760 --> 00:45:40.239
you who is very adept in all of these tech services.

789
00:45:39.679 --> 00:45:41.880
And patient pardon me.

790
00:45:42.480 --> 00:45:44.079
And patient and patient.

791
00:45:44.239 --> 00:45:48.199
Yeah, sometimes you got to go outside of the family

792
00:45:49.280 --> 00:45:53.039
to have not only the tech but also the patients

793
00:45:53.079 --> 00:45:57.320
and stuff like that. But that's great, right, And so

794
00:45:57.440 --> 00:46:00.199
that's a great resource to be able to say, hey,

795
00:46:01.119 --> 00:46:04.280
when I'm looking for this, I want to get everything

796
00:46:04.360 --> 00:46:07.519
bundled together, and I want to be able to use

797
00:46:07.559 --> 00:46:10.440
it for ten for ten people.

798
00:46:12.719 --> 00:46:14.119
So yeah, that's great.

799
00:46:14.199 --> 00:46:16.440
I know we were going to get into talking about

800
00:46:16.519 --> 00:46:20.679
updates today, but we've literally got three minutes left, so

801
00:46:20.760 --> 00:46:22.559
I don't know if you want to say something very

802
00:46:22.599 --> 00:46:24.159
quickly about that or yeah.

803
00:46:24.039 --> 00:46:25.639
Let me give you my one minute thoughts. So you

804
00:46:25.719 --> 00:46:28.920
mentioned before anti virus and all of these other things.

805
00:46:29.679 --> 00:46:32.199
Number one, the most important thing is that you harden

806
00:46:32.280 --> 00:46:36.480
your system. Hardening is done by keeping your patches up. Okay,

807
00:46:36.719 --> 00:46:40.320
so when Windows prompts you to update, do it, but

808
00:46:40.360 --> 00:46:42.880
I suggest you go to the gear and look at

809
00:46:42.880 --> 00:46:45.480
the updates manually. Don't just go because of pop up.

810
00:46:45.840 --> 00:46:48.360
Don't use the pop up to say start that, because

811
00:46:48.400 --> 00:46:49.519
that could be malicious.

812
00:46:49.599 --> 00:46:51.440
That could be malicious, right, So.

813
00:46:51.519 --> 00:46:56.000
Only go to the gear or system settings. Off of Windows,

814
00:46:56.320 --> 00:46:58.519
to the settings and then go to Windows Update and

815
00:46:58.559 --> 00:47:01.480
do your update. Same thing with Max, same thing with iPads.

816
00:47:01.719 --> 00:47:04.280
So you can do these in the system settings directly.

817
00:47:04.519 --> 00:47:08.199
So let's talk about that then, is that where you

818
00:47:08.239 --> 00:47:10.679
would because I've explained to people how to.

819
00:47:10.519 --> 00:47:13.360
Like remove their cash right if.

820
00:47:13.239 --> 00:47:16.039
Something quorky is going on or they want to get

821
00:47:16.079 --> 00:47:19.199
rid of the cookies or something like that, you go

822
00:47:19.280 --> 00:47:22.039
into those three dots, those three vertical dots on the

823
00:47:22.039 --> 00:47:24.800
top right. You go down towards the bottom where it

824
00:47:24.840 --> 00:47:26.119
says settings.

825
00:47:26.039 --> 00:47:28.280
Right or preferences.

826
00:47:27.760 --> 00:47:30.840
Or preferences, and then where do you go from there?

827
00:47:31.119 --> 00:47:32.280
Is there like updates?

828
00:47:33.039 --> 00:47:36.519
Yeah, typically, especially with Windows, at the bottom of the

829
00:47:36.519 --> 00:47:40.920
list is an item that says Windows Update. Okay, with MAX,

830
00:47:40.960 --> 00:47:43.800
it's a little bit more behind the scene, so it's

831
00:47:43.800 --> 00:47:46.760
not as typically, but generally speaking, as long as you

832
00:47:46.800 --> 00:47:48.960
have your MAX turned you know when you first go

833
00:47:49.119 --> 00:47:53.320
into your preferences, you automatically know auto update and it'll

834
00:47:53.320 --> 00:47:55.440
do it. You don't have to. MAX are pretty good

835
00:47:55.440 --> 00:47:59.880
about not asking you. So, yeah, those are the two

836
00:48:00.079 --> 00:48:03.679
key things. So update your system, update your apps or

837
00:48:03.760 --> 00:48:06.960
whatever software you have when it says an update. And

838
00:48:07.000 --> 00:48:10.199
then when it comes to anti virus, here's the key.

839
00:48:10.559 --> 00:48:15.960
You want something local that deals with malware. So I'm

840
00:48:15.960 --> 00:48:18.320
going to say a brand name because there's one that's

841
00:48:18.559 --> 00:48:20.320
really well known called malware Bytes.

842
00:48:20.719 --> 00:48:21.880
Yes, and there are.

843
00:48:21.800 --> 00:48:24.360
Many others like it, bit Defender, a whole bunch of them.

844
00:48:24.639 --> 00:48:27.559
You want one that's local. It's okay to rely on

845
00:48:27.719 --> 00:48:32.360
Windows and Mac embedded security to a degree, the actual

846
00:48:32.400 --> 00:48:35.280
anti virus software these days, if you don't click on

847
00:48:35.320 --> 00:48:38.119
everything in your inbox, and you don't click on any

848
00:48:38.159 --> 00:48:41.159
web page that just pops up, you can actually get

849
00:48:41.159 --> 00:48:46.000
by with that if you are doing anything like I'm

850
00:48:46.000 --> 00:48:47.360
going to say this, and this is going to be

851
00:48:47.440 --> 00:48:50.239
awkward in a way, but like if you're the type

852
00:48:50.239 --> 00:48:53.480
of person that would actually visit a porn site or

853
00:48:53.559 --> 00:48:56.679
a gaming hack site or anything like that, that is

854
00:48:56.880 --> 00:49:01.639
behavior that is uncomfortable. Not uncomfortable, it's dangerous in a

855
00:49:01.679 --> 00:49:04.559
sense that those are hackable sites, really hacked sites in

856
00:49:04.599 --> 00:49:08.639
many cases. So as much as it's uncomfortable to talk

857
00:49:08.679 --> 00:49:11.760
about that, you have to know if that is any

858
00:49:11.880 --> 00:49:15.280
time ever used, you're eighty percent more likely to get

859
00:49:15.320 --> 00:49:17.639
infected with something. So you have to have an extra

860
00:49:17.760 --> 00:49:22.920
anti virus protect this. And I know that there's one

861
00:49:22.960 --> 00:49:25.920
that's very socially awkward, but the other one called gaming sites.

862
00:49:26.280 --> 00:49:27.800
If you've got a kid in the house and they

863
00:49:27.840 --> 00:49:31.000
want to know how to hack Mario Brothers, yeah, they're

864
00:49:31.039 --> 00:49:33.719
going to the gaming sites and they're malicious as heck.

865
00:49:34.159 --> 00:49:37.119
Yeah, yeah, so it's I think it's just good for

866
00:49:37.239 --> 00:49:40.519
everybody to have antivirus that tracks malware and all of

867
00:49:40.559 --> 00:49:44.239
that on all of their devices, including their cell phones,

868
00:49:44.320 --> 00:49:46.320
because it is a mobile computer.

869
00:49:47.000 --> 00:49:47.199
Yeh.

870
00:49:47.519 --> 00:49:50.400
And I always tell people your phone is only as

871
00:49:50.480 --> 00:49:54.880
safe as the security you have put on it. You

872
00:49:54.960 --> 00:49:58.000
have to ask yourself, what can damage can someone do

873
00:49:58.039 --> 00:49:58.920
if they're in my phone?

874
00:49:59.480 --> 00:50:03.159
The truth, your phone is only safe as the behavior

875
00:50:03.280 --> 00:50:04.000
you use it with.

876
00:50:04.719 --> 00:50:05.000
True.

877
00:50:05.079 --> 00:50:07.239
That's the other part of it, is the human behavior,

878
00:50:07.719 --> 00:50:08.679
the human behavior.

879
00:50:09.159 --> 00:50:13.440
The malware is so much harder to get on a

880
00:50:13.480 --> 00:50:15.719
device these days. The way that all of these devices

881
00:50:15.760 --> 00:50:18.880
are configured that a lot of the native security software

882
00:50:19.000 --> 00:50:24.519
is actually adequate. Paying for McAfee, Semantec, all of the others.

883
00:50:25.639 --> 00:50:27.280
One of the some of the things that you have

884
00:50:27.360 --> 00:50:29.960
to think about with those that are like Kaspersky was

885
00:50:30.000 --> 00:50:35.079
actually Russian owned. Yeah, Nation state hackers have been all

886
00:50:35.119 --> 00:50:38.599
over that for years, right. Semantech is now owned by China.

887
00:50:38.639 --> 00:50:41.199
They were bought by Broadcommon, broadcomm and Chinese.

888
00:50:41.639 --> 00:50:44.039
Well, yeah, so you do have you do, like you said, locally,

889
00:50:44.079 --> 00:50:46.840
you have to look at these things. But we are

890
00:50:46.960 --> 00:50:49.840
a minute over time and I still need to close,

891
00:50:49.920 --> 00:50:51.880
but we are definitely in March.

892
00:50:51.920 --> 00:50:52.960
We're going to do this again.

893
00:50:53.440 --> 00:50:56.400
Sounds good, and maybe we'll get more into AI like

894
00:50:57.280 --> 00:51:00.519
videos and stuff like that. But thank you so much

895
00:51:00.639 --> 00:51:05.159
David for doing this. Lots of great valuable information. Do

896
00:51:05.199 --> 00:51:07.559
you want to really quick tell people you do a

897
00:51:07.880 --> 00:51:11.039
radio show as well a podcast how they can find it?

898
00:51:11.599 --> 00:51:14.920
I do. I have a channel on YouTube called The

899
00:51:15.039 --> 00:51:18.079
Second Sip, and the idea behind it is a sip

900
00:51:18.119 --> 00:51:18.679
of coffee.

901
00:51:18.880 --> 00:51:19.159
Okay.

902
00:51:19.159 --> 00:51:20.719
I do it a little bit later in the morning

903
00:51:21.400 --> 00:51:24.159
or in the afternoon, so it's the second Sip because

904
00:51:24.199 --> 00:51:25.719
you're not it's not going to be your first sip

905
00:51:25.719 --> 00:51:29.320
of coffee, okay. Basically I cover a lot of AI

906
00:51:29.400 --> 00:51:30.519
tech and security tech there.

907
00:51:30.760 --> 00:51:32.880
Okay, very good, and they can find that on YouTube,

908
00:51:32.920 --> 00:51:36.639
The Second Sip. All right, awesome, Thanks again David. Great

909
00:51:36.679 --> 00:51:38.360
conversation and we're going to have.

910
00:51:38.360 --> 00:51:38.920
You back soon.

911
00:51:39.440 --> 00:51:39.920
Sounds good.

912
00:51:41.119 --> 00:51:44.920
Thanks all right, everyone, that's it for today. We went

913
00:51:45.000 --> 00:51:49.199
over a little bit, so just remember Roseadvocacy dot org.

914
00:51:49.519 --> 00:51:51.920
You can find our social media channels. Scroll down to

915
00:51:51.960 --> 00:51:53.960
the bottom of the homepage. You'll find where you can

916
00:51:54.000 --> 00:51:57.079
sign up for our mailed and or emailed newsletters, get

917
00:51:57.119 --> 00:52:00.320
our safety checklist, and don't forget to click subscribe so

918
00:52:00.360 --> 00:52:03.000
you never miss an episode of Let's Talk About Scams.

919
00:52:03.599 --> 00:52:05.039
You'll see Brian next week.

920
00:52:05.239 --> 00:52:05.599
Thank you.

921
00:52:07.199 --> 00:52:10.199
Well, that's all the knowledge for this episode. Tune in

922
00:52:10.400 --> 00:52:14.480
every Tuesday at eight am Pacific time on KFOURHD Radio

923
00:52:14.639 --> 00:52:19.360
at KFOURHD dot com as Joyce explores a variety of knowledge.

924
00:52:19.400 --> 00:52:23.000
So you have the power to make scam protection your

925
00:52:23.119 --> 00:52:26.760
healthy habit, and until then, feel free to reach out

926
00:52:26.760 --> 00:52:29.360
to Joyce and Let's talk about Scams.