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Feb. 4, 2025

Your information is online - hacks, data breaches, apps and more!

Your information is online - hacks, data breaches, apps and more!
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Season 1

Let's Talk About Scams, hosted by Joyce Petrowski, President and Founder of R.O.S.E., nonprofit focused on preventing financial exploitation of older adults. Find more information and sign up for our newsletters at www.roseadvocacy.org.

We want everyone to have a healthy skepticism and know how to protect themselves from scams.

Joyce is joined by Gordie Siewert, with Acacia IT at acaciait.com.

We will explore hacking, data breaches, apps & data collection and how to protect yourself.

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, legal, counseling,

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professional service, or any advice.

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You should seek the services of.

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Competent professionals before applying or trying any suggested ideas. The

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information contained in this podcast is intended for informational purposes

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only and is not a substitute for individual professional legal advice.

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The podcast information was carefully compiled from vetted sources and references. However,

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Rose Resources' outreach to safeguard the elderly cannot guarantee that

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you will not fall.

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Victim to a scam.

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

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who wants to protect themselves and their loved ones from scams.

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Every Tuesday at 8 a.m. Pacific time on K4HD radio,

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Joyce Petrowski founder of Rose and her guests will provide

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valuable insights and practical tips on how to recognize and

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protect yourself from scams. And now here is your host

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Joyce Petrowski.

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Welcome everyone.

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Thank you for joining us for let's talk about scams. Um,

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My name is Joyce Petrowski, and I'm the founder and

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board president of ROSE, Resources Outreach to Safeguard the Elderly.

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We're a 501c3 nonprofit with a mission to prevent the

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financial exploitation and defrauding of older adults through advocacy and education.

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And we have a scam education and awareness program where

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older adults and really anybody can learn more about scams

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and learn how to protect themselves. And today we're going

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to talk to Gordy Siewert from Acacia IT. We're going

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to talk all about how your information gets out there.

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So Gordy has over 20 years in the telecom industry

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and more than three decades of management experience. Gordy is

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a seasoned technology professional with deep expertise in telecommunications, IT infrastructure,

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and cybersecurity. Throughout his career, Gordy has worked extensively with

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cell phones, voice-over internet phone systems, fiber and wireless internet

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data centers, and IT services, gaining a comprehensive understanding of

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the evolving tech landscape. Currently, Gordy is a business development

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manager at Acacia IT, an industry-leading managed services and cybersecurity provider,

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where he focuses on helping businesses safeguard their digital assets

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and streamline their IT operations. As a licensed cyber liability

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insurance professional, Gordy also brings a unique risk management perspective

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to cybersecurity, ensuring clients are protected from digital threats, both

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technically and financially. A lifelong technology enthusiast, Gordy shares his

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passion for cybersecurity and scam awareness as the host of

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the podcast, What the Hack? where he educates listeners on

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the latest scams, cyber threats, and best practices for protecting

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themselves and their businesses in an increasingly digital world. In

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addition to his technical experience, Forti has extensive leadership and

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management experience driving teams to success through strategic planning, innovation,

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and mentorship. Whether implementing cutting-edge IT solutions or advocating for

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cybersecurity awareness, Forti is dedicated to making technology accessible, secure,

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and efficient for businesses and individuals alike. So let's welcome Gordy.

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Thank you, Joyce. Thank you. That was quite the introduction there.

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How are you?

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I'm doing fine. Apparently, there's a ray of light sneaking

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in my window, and I apologize for that.

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You look like you have an aura of light coming down,

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you know, like a halo that has those light reflections.

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Hopefully, it'll last just a minute here. I don't know

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where that's coming from. Never happened that. That's never happened before.

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Well, you can be the angel today.

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How's that?

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There we go.

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There you go.

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Thank you for the intro. That was quite the intro.

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Yes.

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So thank you for being on today. And I thought

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it would be, for our first episode, it would be

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really great to talk about your information's out there.

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Absolutely.

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Right.

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It's different for everybody.

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Like you might have more or less information out there

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than I do. Somebody else, right, could have different information

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out there.

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It's different for everybody.

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But I think it's a basic first step understanding that

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people need to take, really anybody, not just the older adults,

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that they need to understand that your information is out there.

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And so I wanted to dive into, well, how does

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it get out there? I think some of it is

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out of our control, but some of it we can control.

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So let's start with something that's out of our control. Right.

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So that's going to be data breaches and hacks.

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Yes. Yeah, that happened.

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Explain, explain data breaches and hacks.

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Yeah. So data breaches. There was a big one. I

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don't know if anybody out there uses LinkedIn. That's a

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real popular one. There was a there was a breach

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that happened quite some time ago. And everyone's usernames and

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passwords got out there. And all the information that they

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loaded on top of that got out there into the public,

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onto the dark web. So if you've used, you know,

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and obviously if you sign into LinkedIn at one time,

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they would tell you, Hey, there's been a breach. We

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all get that every once in a while. We get

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that email from, it could be, you know, the auto,

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the auto zone down the street. It could be different,

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you know, the grocery store. If you, once you log in,

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it's going to tell you that there has been a

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breach and you need to change your, your password. So

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that's how that stuff gets out there. Just, uh, Companies

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getting breached. There was a breach that happened last year

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with a bunch of different cell phone companies. All their information,

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I'm talking text messages, pictures, everything got breached.

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Oh, wow.

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I believe it was AT & T got hit pretty hard.

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They paid a ransom to make sure that the... And

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it was an agreement with the bad guys that they

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would destroy all the photos and all the information. So

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who knows whether that got destroyed or not, but... So that.

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That's quite interesting.

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And that's a little scary for me because I'm an

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AT & T customer.

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Yep.

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Yeah, it's a good thing I don't keep a lot.

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I don't keep sensitive stuff on my phone. So anyway,

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but so, you know, one of the things we talk

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about in our presentations is just giving people like an

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overview of how their information gets out there. And one

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of the things we say is, you know, when hackers

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get into these companies and they take the information, sometimes

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they hold them for ransom to get money from the company.

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But they're already selling the information on the dark web,

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whether they get the money or not from the company,

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it's totally separate. So it's interesting that AT & T

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has an agreement, like you said, with the bad guys

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that the pictures and all that stuff weren't going to

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be released.

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I don't know.

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I've always been under the impression the bad guys don't

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follow the law.

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Bad guys are bad guys for a reason.

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Are they going to follow the contract? I guess it's

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really the only thing you can do.

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I don't know.

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AT & T is a big company. It's not just

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AT & T. Other cell phone companies have been hacked

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into as well. Really, no company, no matter what your business,

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is immune.

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To being hacked into.

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Correct.

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I don't know how the cybersecurity people do it. It

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seems like it's a 24-7, 365-day job to always be

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on top of the game, you know, looking for those

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types of threats because it's become very frequent. Seems like

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it happens every other week. You're learning about stuff like that.

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So, all right.

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And also, like this happened with the Centers for Medicaid

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and Medicare last summer. They didn't get breached or hacked into,

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but they, if my understanding is correctly, that they contracted out,

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they contract part of their services out to another company.

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And it was that company that got hacked into, which

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then breached like over a million people's Medicare information. And

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so I know my cybersecurity guy always says, you're only

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as secure as your weakest link.

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Right?

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And so when you're contracting with people and they have

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access to some of your information, that just adds another

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layer of now what happens if that company gets hacked

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into it. Yeah, it's kind of crazy. And we've often

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told people, just think about how much information would get

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out there if a medical office or a hospital got

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hacked into. Now, potentially all of your medical records right

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and and all of that stuff could get out there

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but um so.

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What are i'm.

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Trying to think of which way i want to go

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here i think let's talk about some other ways that

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your information gets out there so like um we've got

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hacks and breaches but what about if you sign up

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and download an.

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App Yeah, that's voluntary. In fact, I think I did

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a list prior to it. show that some of the

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top apps that you would think, oh, this sounds like

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a fun app that you're giving your information to, and

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they're just selling it out there. It was part of

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the terms and conditions that you just blew, you know,

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you checked the box and blew right by, or you

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gave them permission when you downloaded the app. This came

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from last year. The top one was PixArt AI Photo Editor.

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We've seen those ads as we're scrolling. There's neat little things.

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They can bring photos to life, or they could re-resurrect

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your old photos into sharper, crisper images, things like that.

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You could switch your face on a photo. That one

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was the worst offender with eight sets of information shared

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with third parties. Eight ball pool. Believe it or not,

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pie for third place was Amazon Shopping. Really? Here they are. Now,

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do I trust Amazon with my information? No. Pretty much do.

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I use the Amazon app probably every day. So do I. Yeah.

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But they are sharing your sets of information, six sets

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of information on you with third parties. So, you know,

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they're going to they're going to Google and saying, hey,

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this person's been looking around for a new bowling ball.

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And the next thing you know, you're getting bowling ball

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ads popping up on your on your on your news

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feeds and your Microsoft, you know, your edge browser and

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things like that. So. They're out there sharing that stuff.

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It's only going to help them because they want you

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to go on. The more you see a bowling ball

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pop up on your screen, you're going to buy that

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bowling ball. So that's out there. Fruit Ninja, that's a game.

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There's several games out there. TikTok was a bad one, too,

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as we all know. And then Candy Crush, my wife

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plays a lot. That's popular, right? Yeah, that one is

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sharing with three different third parties.

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And that's so speaking of the games, you know, the

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online games, that's not even like playing Candy Crush online

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in real time with somebody that you can talk to.

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That's just by virtue of downloading the app and clicking

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that you agree to all those terms and conditions.

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Absolutely. Yeah. So this is voluntary. This isn't illegal that,

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you know, you volunteer by clicking, you know, clicking through

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that app to play it. So do your research. I've

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come across some apps where I'll look at it. No,

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I'm not going to share that amount of it. I'm

218
00:12:30.450 --> 00:12:32.590
not going to download that game or that, you know,

219
00:12:32.629 --> 00:12:35.450
that particular app. Yeah.

220
00:12:35.529 --> 00:12:39.990
So it seems like it's, I don't know if standard

221
00:12:40.049 --> 00:12:43.399
practice is the right way to phrase it, but it

222
00:12:44.019 --> 00:12:47.679
seems like a lot of companies, unless you opt out

223
00:12:47.720 --> 00:12:48.899
of it, they're going.

224
00:12:48.759 --> 00:12:50.740
To share or share.

225
00:12:51.470 --> 00:12:55.700
Sell right um your information i think called data brokers

226
00:12:56.360 --> 00:12:58.240
is that kind of is that the is that the

227
00:12:58.259 --> 00:12:59.679
terminology for them that.

228
00:12:59.620 --> 00:13:02.480
Is that is yeah so you've got legal and uh

229
00:13:02.620 --> 00:13:05.639
illegal you know stuff that's getting you know gained from

230
00:13:05.679 --> 00:13:06.639
breaches right.

231
00:13:06.759 --> 00:13:10.240
So if somebody's downloading an app is it going to

232
00:13:10.320 --> 00:13:12.399
come up and kind of go through and say you

233
00:13:12.450 --> 00:13:14.570
need to agree to these terms and conditions and then

234
00:13:14.610 --> 00:13:16.789
it's on you to read through.

235
00:13:16.629 --> 00:13:18.690
All of it to see exactly what's going.

236
00:13:18.590 --> 00:13:22.049
On In most cases, the sneaky ones, yes. I mean,

237
00:13:22.070 --> 00:13:27.039
the ones that are gathering all these information will typically

238
00:13:27.100 --> 00:13:30.059
have you check, you know, yes, I agree. Or by

239
00:13:30.120 --> 00:13:33.279
downloading that, by continuing your agreeing to our terms and conditions,

240
00:13:33.950 --> 00:13:35.870
you're going to want to stop for a second, you know,

241
00:13:35.909 --> 00:13:39.159
click on those terms and conditions and see what. See

242
00:13:39.200 --> 00:13:42.169
what you're downloading and see what permissions you're giving them.

243
00:13:42.730 --> 00:13:44.649
I do know that Apple is a little bit more

244
00:13:44.710 --> 00:13:48.750
secure on the app side. You can control your privacy

245
00:13:48.789 --> 00:13:50.909
a little bit better than you can on the Android side.

246
00:13:51.970 --> 00:13:52.789
That's what I've heard.

247
00:13:53.009 --> 00:13:56.580
That's what I've heard from a lot of cybersecurity people

248
00:13:56.700 --> 00:14:01.919
is Apple has some inherent security things already on their phones.

249
00:14:02.559 --> 00:14:05.110
Not to say that Android's not secure. I think they

250
00:14:05.139 --> 00:14:08.909
are really good. you know, at security, but there's just

251
00:14:08.950 --> 00:14:12.289
a little bit more on, on Apple. And I'm guessing

252
00:14:12.929 --> 00:14:16.029
with that big hack that AT & T had, they've

253
00:14:16.120 --> 00:14:20.639
probably implemented the highest level of security, right?

254
00:14:21.080 --> 00:14:21.820
Yeah. Yeah.

255
00:14:21.879 --> 00:14:24.299
Probably now one of the most secure companies.

256
00:14:24.919 --> 00:14:27.340
I had an interesting story. I had a gentleman coming into,

257
00:14:27.600 --> 00:14:31.899
when I worked for Verizon, he came into our store

258
00:14:32.100 --> 00:14:33.940
and he was just going over data. He goes, I

259
00:14:34.000 --> 00:14:36.159
hardly use my data. I hardly use my data. So

260
00:14:36.179 --> 00:14:39.500
we looked on his Android phone and there was something

261
00:14:39.600 --> 00:14:44.539
at midnight just downloading gigs of data. Like what's going

262
00:14:44.559 --> 00:14:49.000
on here? We tracked it down on his phone and

263
00:14:49.039 --> 00:14:50.929
it was a flashlight app that was made by a

264
00:14:50.970 --> 00:14:56.090
North Korean app manufacturer. It was just a flashlight app

265
00:14:56.129 --> 00:15:01.009
is all it was. And somehow it's transporting or transmitting

266
00:15:01.629 --> 00:15:04.120
gigs worth of data. Who knows what that data was?

267
00:15:04.159 --> 00:15:06.779
Who knows what he agreed to? So we really quickly

268
00:15:07.559 --> 00:15:08.139
canceled that.

269
00:15:09.320 --> 00:15:13.299
And that's something that's as innocent as a flashlight app, right?

270
00:15:13.320 --> 00:15:16.399
That you would think it's a flashlight app. What harm

271
00:15:16.419 --> 00:15:21.289
can it do? But it's not necessarily the flashlight. It's

272
00:15:21.490 --> 00:15:25.320
the people behind it right that are that are doing

273
00:15:25.360 --> 00:15:28.139
all the software and all the programming to what it's

274
00:15:28.159 --> 00:15:30.659
going to do and everything but so that's.

275
00:15:30.370 --> 00:15:33.809
The difference between the amazon or the uh the apple

276
00:15:33.870 --> 00:15:36.330
and the google store google will allow i could create

277
00:15:36.370 --> 00:15:38.830
an you know an app that'll do anything and google

278
00:15:38.909 --> 00:15:41.330
use android store usually will let it go there where

279
00:15:41.429 --> 00:15:45.070
apple will say no no we have certain restrictions on

280
00:15:45.289 --> 00:15:48.149
you know that that you have to you know abide

281
00:15:48.190 --> 00:15:51.049
to in order to be on our app store Got it.

282
00:15:51.179 --> 00:15:51.480
Okay.

283
00:15:51.840 --> 00:15:52.179
All right.

284
00:15:52.720 --> 00:15:56.919
Well then, so what about, let's go to websites, right?

285
00:15:57.000 --> 00:16:01.159
I know a lot of websites that I go to,

286
00:16:01.500 --> 00:16:04.070
whether it's for business or personal, and it won't be

287
00:16:04.110 --> 00:16:06.830
the first time I go there. It's like every time

288
00:16:06.850 --> 00:16:08.990
I go to the website at the.

289
00:16:09.090 --> 00:16:12.909
Bottom, it usually says we have cookies.

290
00:16:12.850 --> 00:16:17.649
And you need, you know, well, you need to agree

291
00:16:17.710 --> 00:16:22.179
to them or you can manage them. what's the best

292
00:16:22.240 --> 00:16:23.860
thing to do there? I would think it would be

293
00:16:23.899 --> 00:16:26.700
go in and manage those or else you very well could,

294
00:16:26.820 --> 00:16:29.570
they could be tracking you and marketing to you and

295
00:16:29.669 --> 00:16:31.950
selling your information to advertisers and.

296
00:16:32.289 --> 00:16:35.669
Yeah. Yeah. So there are times where, you know, you

297
00:16:35.710 --> 00:16:38.909
could still not, you know, reject those cookies and still

298
00:16:39.009 --> 00:16:42.049
access their website. Some of them just won't let you

299
00:16:42.100 --> 00:16:45.919
go any further unless you do accept those cookies. So,

300
00:16:46.320 --> 00:16:48.960
you know, I would recommend look into it. You know,

301
00:16:49.120 --> 00:16:52.559
I for my first thing is I'll I'll usually reject it,

302
00:16:53.100 --> 00:16:56.259
you know, unless it's something that, you know, I find.

303
00:16:57.259 --> 00:17:01.019
For instance, I'm looking for if I'm looking for a car. OK,

304
00:17:01.080 --> 00:17:03.779
you know, I'll accept the fact that they know I'm

305
00:17:03.820 --> 00:17:05.759
looking for a car. Maybe a car will pop up

306
00:17:05.839 --> 00:17:08.539
on my feed that I'm looking for. You know, I

307
00:17:09.359 --> 00:17:12.680
do accept some of that, you know, that data brokering,

308
00:17:13.039 --> 00:17:15.619
you know, in our world we live in. you know,

309
00:17:15.700 --> 00:17:17.140
it's only going to help me in the long run.

310
00:17:17.180 --> 00:17:20.769
So there's good parts about it, but there's also, you know,

311
00:17:21.329 --> 00:17:23.390
do I want some guy in China knowing that I'm

312
00:17:23.410 --> 00:17:25.170
looking for a car and try to scam me, you know,

313
00:17:25.210 --> 00:17:29.670
sending me send or, you know, Nigeria sending me links

314
00:17:29.730 --> 00:17:32.089
to a car on my, you know, to my textbook,

315
00:17:32.230 --> 00:17:34.180
to my phone. And, you know, and next thing I

316
00:17:34.200 --> 00:17:36.599
know it's, I fall into a scam, but a little

317
00:17:36.619 --> 00:17:41.000
bit more aware on that, but yeah, sometimes it is helpful.

318
00:17:42.640 --> 00:17:43.269
It is, right.

319
00:17:43.650 --> 00:17:47.190
So I'll go into manage and there's always the ones

320
00:17:47.230 --> 00:17:50.730
that say strictly necessary and those are always turned on

321
00:17:51.589 --> 00:17:54.690
and it's hit or miss, right? With the companies, some

322
00:17:54.750 --> 00:17:58.009
of them have all of the other optional ones turned

323
00:17:58.210 --> 00:18:00.619
on and you just have to toggle them to turn

324
00:18:00.640 --> 00:18:04.079
them off. And some of them have them automatically turned

325
00:18:04.279 --> 00:18:06.299
off and you need to be the one that turns

326
00:18:06.319 --> 00:18:06.700
them on.

327
00:18:06.819 --> 00:18:10.640
Like there'll be targeting cookies, marketing cookies.

328
00:18:10.819 --> 00:18:15.329
And I think some of them will say functionality cookies

329
00:18:15.410 --> 00:18:18.269
or something like that. And I even turned those off

330
00:18:18.529 --> 00:18:25.390
wondering if that's going to inhibit my experience on the website.

331
00:18:25.430 --> 00:18:27.769
Like if it won't let me do certain things, if

332
00:18:27.829 --> 00:18:30.269
I turn the functionality ones off.

333
00:18:30.950 --> 00:18:33.799
Yeah. Usually it's mostly for advertising. I mean, that's how

334
00:18:33.819 --> 00:18:36.460
they're getting by a lot of these free apps that you,

335
00:18:36.559 --> 00:18:40.309
you know, the free, you know, to play this game

336
00:18:40.369 --> 00:18:41.940
kind of thing. And that's how they pay for it.

337
00:18:42.900 --> 00:18:43.259
Right.

338
00:18:43.299 --> 00:18:45.700
So you, you have ads, right? You have to have

339
00:18:45.740 --> 00:18:48.539
a paid version to get the ad free version. So

340
00:18:49.640 --> 00:18:51.779
you're going to have all these ads every so often,

341
00:18:51.920 --> 00:18:55.720
but then your information is most likely being sold to

342
00:18:55.779 --> 00:18:58.240
whoever those, those ads are.

343
00:18:58.269 --> 00:19:00.450
Right. Also public.

344
00:19:00.670 --> 00:19:01.930
And you can't go ahead.

345
00:19:01.950 --> 00:19:02.470
I'm sorry. Go ahead.

346
00:19:03.150 --> 00:19:04.569
I was just going to say, and you, like, if

347
00:19:04.609 --> 00:19:07.210
you're watching, if you have a streaming app on your phone,

348
00:19:07.859 --> 00:19:10.759
And you're watching a show or a movie and it's

349
00:19:10.839 --> 00:19:14.140
not the paid. Well, sometimes even with the paid version,

350
00:19:14.220 --> 00:19:16.880
it's just not a high enough paid version to take

351
00:19:16.920 --> 00:19:20.470
those ads out. You can't fast forward through those ads.

352
00:19:20.829 --> 00:19:21.650
Right. Right.

353
00:19:21.809 --> 00:19:23.630
I mean, some of them might let you go a

354
00:19:23.849 --> 00:19:26.009
certain amount of seconds and then you can hit skip.

355
00:19:26.630 --> 00:19:28.210
But some of you got to sit the whole 30

356
00:19:28.210 --> 00:19:29.809
seconds and watch this ad. Right.

357
00:19:29.849 --> 00:19:31.849
They won't let you fast. But you can fast forward

358
00:19:31.869 --> 00:19:32.930
through the show or the movie.

359
00:19:32.950 --> 00:19:36.859
Right. Right. The world we're living, first world problems, right?

360
00:19:37.160 --> 00:19:38.079
Yes, right.

361
00:19:39.059 --> 00:19:42.180
You and I remember the three channels in our hometown.

362
00:19:42.759 --> 00:19:44.930
That's exactly right, where you had to get up from

363
00:19:44.970 --> 00:19:47.730
your chair or your couch and you had to go

364
00:19:47.849 --> 00:19:49.970
turn the channel because we didn't even have refrigerators.

365
00:19:50.660 --> 00:19:51.019
Right?

366
00:19:51.759 --> 00:19:55.599
Right. As a kid, I was my dad's remote. Yes, absolutely.

367
00:19:55.619 --> 00:19:56.619
I think every kid was.

368
00:19:56.880 --> 00:20:01.920
Yeah. That's funny. Another thing is public record. There's a

369
00:20:01.980 --> 00:20:06.369
lot of legal public record out there. It's just a

370
00:20:06.410 --> 00:20:10.119
quick search. Someone could find out How much I paid

371
00:20:10.140 --> 00:20:14.250
for my house, how much you paid for your relatives,

372
00:20:15.750 --> 00:20:23.049
your age, your phone number, your address. It's out there. Now,

373
00:20:23.069 --> 00:20:25.690
there is something I've discovered recently where you can go

374
00:20:25.710 --> 00:20:28.910
into your Google settings. Don't ask me exactly how to

375
00:20:28.950 --> 00:20:31.210
do it now, but you can Google it, how to

376
00:20:32.619 --> 00:20:36.579
remove yourself from searches. for free through google so if

377
00:20:36.700 --> 00:20:40.779
anybody does search you you'll be alerted and then and

378
00:20:40.819 --> 00:20:42.789
then they will you they will ask you if you

379
00:20:42.829 --> 00:20:45.589
want those search engines reboot removing oh.

380
00:20:45.549 --> 00:20:49.750
That's nice so that's that's directly through google yep you

381
00:20:49.769 --> 00:20:51.529
just have to go in and say how how to

382
00:20:51.569 --> 00:20:53.509
remove myself from the public.

383
00:20:53.230 --> 00:20:56.619
Search yes is it public search.

384
00:20:56.339 --> 00:20:58.680
Or like pub public people search.

385
00:21:00.210 --> 00:21:03.809
Public search. Just public search? Yeah, I don't know the

386
00:21:03.869 --> 00:21:09.079
exact method, but it works. I got an alert the

387
00:21:09.119 --> 00:21:11.880
other day that someone was searching for me on six

388
00:21:11.940 --> 00:21:16.339
different search engines that I didn't even know existed, you know,

389
00:21:16.400 --> 00:21:19.559
they're just public information websites. And next thing you know,

390
00:21:19.640 --> 00:21:23.329
I got offered a scam job, you know, I mean,

391
00:21:23.490 --> 00:21:26.259
that almost within five minutes of that alert coming up.

392
00:21:27.130 --> 00:21:29.319
you know, someone's trying to offer one of those scam jobs,

393
00:21:29.619 --> 00:21:32.579
probably a money laundering mule or something like that kind

394
00:21:32.619 --> 00:21:35.920
of job. And, uh, you know, who, who just text

395
00:21:35.960 --> 00:21:38.359
someone and said, Hey, we want to hire you. So

396
00:21:38.720 --> 00:21:40.480
it was one of those types of things. They obviously

397
00:21:40.519 --> 00:21:43.900
did some search and, and find out where I lived, who,

398
00:21:43.920 --> 00:21:45.440
you know, what my phone number was and that sort

399
00:21:45.480 --> 00:21:48.039
of thing. So, so I, I went into and, uh,

400
00:21:48.200 --> 00:21:52.660
asked to remove myself from those particular websites. That's a

401
00:21:52.680 --> 00:21:55.109
free service. There are other service that you can do. Um,

402
00:21:56.369 --> 00:22:01.759
I think Aura is another service. It's a paid service.

403
00:22:01.779 --> 00:22:03.759
They'll go out and you can ask them to remove.

404
00:22:03.779 --> 00:22:08.019
They will proactively go out and remove you instead of

405
00:22:08.059 --> 00:22:10.160
wait for people to search. That's the thing Google does.

406
00:22:10.220 --> 00:22:12.190
It'll wait for people to search you and then tell you,

407
00:22:12.200 --> 00:22:13.640
do you want to be removed from this site and

408
00:22:13.660 --> 00:22:14.039
that site?

409
00:22:14.680 --> 00:22:16.369
But you have to sign up for it.

410
00:22:16.579 --> 00:22:20.160
Yeah. Yeah, it's in your Google settings. It's not complicated.

411
00:22:20.220 --> 00:22:22.039
I just, again, I wouldn't be able to tell you

412
00:22:22.079 --> 00:22:23.759
step by step. It is a little.

413
00:22:23.799 --> 00:22:25.119
No, that's fine. It should be able.

414
00:22:25.279 --> 00:22:25.480
Yeah.

415
00:22:25.549 --> 00:22:27.970
So to get to the Google settings when you're in

416
00:22:28.009 --> 00:22:32.009
the Google search, is that like the three dots all

417
00:22:32.029 --> 00:22:33.089
the way over to the right?

418
00:22:33.150 --> 00:22:35.390
Yeah. You click on those and go into settings.

419
00:22:35.609 --> 00:22:39.009
Yeah. Settings, privacy, settings, privacy. Okay. Okay.

420
00:22:39.839 --> 00:22:43.779
So you mentioned Aura and this other company. So let's

421
00:22:43.819 --> 00:22:47.400
say that I go in and I pay them to

422
00:22:47.599 --> 00:22:53.240
scrub my information from the web. That's not like a

423
00:22:53.569 --> 00:22:56.250
once and done, your information's never going to be on

424
00:22:56.269 --> 00:23:02.150
the web again because you're probably going to visit websites, right?

425
00:23:02.609 --> 00:23:05.690
To where they, if you aren't very careful with what

426
00:23:05.730 --> 00:23:12.440
they're doing with your information through those cookies, Or let's see,

427
00:23:12.519 --> 00:23:14.579
if you download an app or maybe some of the

428
00:23:14.599 --> 00:23:18.779
current apps you have, right, are already allowing that information,

429
00:23:19.440 --> 00:23:22.039
your information is going to get back or data breaches

430
00:23:22.079 --> 00:23:24.240
and stuff, right? It's going to get back out there.

431
00:23:24.759 --> 00:23:27.140
So it's not something that you do once and you're

432
00:23:27.160 --> 00:23:30.000
good for the rest of your life. You would have to,

433
00:23:31.619 --> 00:23:33.970
is there a, so say you do it and you

434
00:23:33.990 --> 00:23:36.329
scrub it and then you say, okay, every month, is

435
00:23:36.349 --> 00:23:38.910
there like a website that you can go to That

436
00:23:38.950 --> 00:23:41.160
will give you an idea just by putting maybe your

437
00:23:41.200 --> 00:23:45.599
name in that you can or maybe you need to

438
00:23:45.640 --> 00:23:47.549
have date of birth or something like that. I don't

439
00:23:47.589 --> 00:23:50.630
know that you can find out like how much of

440
00:23:50.670 --> 00:23:52.089
your information is out there.

441
00:23:52.109 --> 00:23:56.069
That is a good question. But I know that these

442
00:23:56.190 --> 00:23:59.059
sites that you're paying, you know, that you pay for

443
00:23:59.180 --> 00:24:02.170
like Aura or Incogni. Oh, yeah.

444
00:24:02.250 --> 00:24:02.910
Incognite.

445
00:24:03.210 --> 00:24:06.710
Yeah. They'll go on. They're proactively continually searching for it.

446
00:24:06.869 --> 00:24:07.569
So they're continuing.

447
00:24:07.630 --> 00:24:09.609
OK, so you're probably paying a subscription.

448
00:24:09.809 --> 00:24:11.029
Yes. OK.

449
00:24:11.109 --> 00:24:13.859
And so they're every so often going out and scrub.

450
00:24:13.880 --> 00:24:15.420
Got it. OK, well, that that's better.

451
00:24:15.559 --> 00:24:18.700
And they're really good because they will also, you know,

452
00:24:18.720 --> 00:24:20.740
if you're about to click on a link, you know,

453
00:24:20.759 --> 00:24:23.059
if you're about if you click on something, it'll warn you, hey,

454
00:24:23.099 --> 00:24:26.519
this is this site has been, you know, linked to

455
00:24:26.559 --> 00:24:28.609
scams or something like that. So they give you a

456
00:24:28.630 --> 00:24:32.210
nice good, you know, update. updates about what's going on.

457
00:24:32.849 --> 00:24:33.369
Oh, that's good.

458
00:24:33.630 --> 00:24:35.289
That's good. There's a lot of good features from them.

459
00:24:35.950 --> 00:24:38.059
In all honesty, I've never used one of them, but

460
00:24:38.099 --> 00:24:40.190
I'm thinking about checking into it.

461
00:24:40.319 --> 00:24:40.519
Yeah.

462
00:24:40.819 --> 00:24:42.960
Right? Just checking into it and see what it would

463
00:24:43.000 --> 00:24:45.339
cost for the monthly subscription and that way get to

464
00:24:45.359 --> 00:24:45.960
know it better.

465
00:24:45.980 --> 00:24:49.579
Right? Yep. Okay.

466
00:24:49.599 --> 00:24:52.619
So what, oh, you know what? Social media.

467
00:24:53.700 --> 00:24:54.940
That's a big one. Yep.

468
00:24:54.960 --> 00:24:55.839
That's a big one, right?

469
00:24:55.859 --> 00:24:57.799
That leads to a lot of fishing and a lot of,

470
00:24:57.819 --> 00:25:01.980
you know, you're going on vacation to, you know, going

471
00:25:02.059 --> 00:25:05.200
skiing this weekend and next thing you know, you've got

472
00:25:05.440 --> 00:25:08.259
people in the area knowing you're skiing and all kinds

473
00:25:08.299 --> 00:25:10.779
of other things. You know, there's just so much information

474
00:25:10.839 --> 00:25:14.069
out there on social media. And I'm guilty of it.

475
00:25:14.240 --> 00:25:17.309
You know, I have a little social media account. I

476
00:25:17.349 --> 00:25:20.490
do have it pretty locked down to private, only friends only.

477
00:25:21.529 --> 00:25:26.109
I've had done a few posts. I do a cybersecurity tip.

478
00:25:26.690 --> 00:25:29.930
Of the week, typically. And my friends, hey, can you

479
00:25:29.950 --> 00:25:33.390
make this shareable? And the second I make it shareable,

480
00:25:33.829 --> 00:25:39.759
open to public, I'll get a scam. Within a day,

481
00:25:39.799 --> 00:25:42.059
I'll get a scam attempt, someone trying to hit me up.

482
00:25:42.710 --> 00:25:45.230
for some reason, and you know, a crypto scam or

483
00:25:45.289 --> 00:25:48.250
something like that. So I try to keep my lockdown

484
00:25:48.289 --> 00:25:48.910
pretty private.

485
00:25:49.369 --> 00:25:51.549
And is it more, is it when you say you're

486
00:25:51.569 --> 00:25:53.849
getting hit up, is it that they're commenting on that

487
00:25:53.910 --> 00:25:55.150
post that you made?

488
00:25:55.470 --> 00:25:59.049
They'll comment on the post. They will. So I've got

489
00:25:59.089 --> 00:26:01.829
a lot that I've noticed. I've have some, some senior

490
00:26:01.869 --> 00:26:05.589
friends that have made, they have a pretty open profile.

491
00:26:05.890 --> 00:26:12.309
They've made friends with other people, you know, that there's, there's, my,

492
00:26:12.480 --> 00:26:13.970
for some reason, I don't know why there's a lot

493
00:26:14.009 --> 00:26:17.869
of Asian profiles of Asian women in, from New York

494
00:26:17.930 --> 00:26:21.029
city who are fashion designers. That's kind of the, it's

495
00:26:21.089 --> 00:26:23.329
the standard thing that I get hit with. I don't know,

496
00:26:23.730 --> 00:26:26.930
you know, maybe because I'm at a certain age, a

497
00:26:26.970 --> 00:26:30.609
certain profile, you know, uh, but, uh, you know, all

498
00:26:30.630 --> 00:26:34.420
of a sudden they'll try to befriend me. And I noticed, Oh,

499
00:26:34.480 --> 00:26:36.819
they're a friend of this, this older gentleman over here,

500
00:26:36.859 --> 00:26:38.779
they're a friend of this old. So I know, uh,

501
00:26:39.339 --> 00:26:41.700
they're fake. So I will reach out to them and say, Hey,

502
00:26:41.740 --> 00:26:43.940
this person's just, you know, they've tried to get you

503
00:26:44.069 --> 00:26:47.730
in a pig bittering scam. I'm living this beautiful lifestyle.

504
00:26:47.750 --> 00:26:49.849
You too can do it. You know, if you sign

505
00:26:49.890 --> 00:26:54.049
into my crypto account and give me money and right. So,

506
00:26:54.529 --> 00:26:58.279
but yeah, they just pop up from my other friends account. Once,

507
00:26:58.539 --> 00:27:00.819
once I unlock my account or leave that post open,

508
00:27:00.839 --> 00:27:03.279
then they'll try to send me a friend request. It's

509
00:27:03.319 --> 00:27:04.740
pretty easy to tell nowadays.

510
00:27:05.359 --> 00:27:11.049
So, On social media, let's just say Facebook, right? And

511
00:27:12.069 --> 00:27:17.069
how could somebody go in to see if their profile

512
00:27:17.390 --> 00:27:20.890
is public or if it's, like you said, locked down

513
00:27:20.970 --> 00:27:22.130
private only to.

514
00:27:26.690 --> 00:27:30.069
That'll be in the privacy settings. It'll be in the

515
00:27:30.109 --> 00:27:34.740
privacy settings. To walk you through, it could take... it'd

516
00:27:34.779 --> 00:27:36.940
take a good 15, 20 minutes. I would say, uh,

517
00:27:37.680 --> 00:27:40.400
you're maybe a senior listening to this, you know, talk

518
00:27:40.440 --> 00:27:44.119
to your, talk to your kids, grandkids, something like that

519
00:27:44.140 --> 00:27:47.960
and have them help you help them lock it down. Yeah.

520
00:27:48.400 --> 00:27:51.509
You want only your posts to be seen by your friends.

521
00:27:51.849 --> 00:27:54.849
You want your information only to be seen by your friends.

522
00:27:54.890 --> 00:27:56.750
I'd be careful who you befriend. Don't, you know, if

523
00:27:56.849 --> 00:28:01.529
it's stranger from, you know, uh, Los Angeles that just, uh,

524
00:28:02.279 --> 00:28:04.960
attractive person wants to be your friend or a movie

525
00:28:04.980 --> 00:28:07.869
star or something that movie stars just don't go out

526
00:28:07.930 --> 00:28:14.670
and proactively befriend anybody. So, you know, uh, be careful

527
00:28:14.710 --> 00:28:17.150
of that and don't befriend anybody you don't know or

528
00:28:17.190 --> 00:28:19.970
haven't met personally. That's, that's, that's my thing on it.

529
00:28:20.470 --> 00:28:23.079
I I've had my LinkedIn account for business that I

530
00:28:23.319 --> 00:28:25.579
kind of open it up to everybody. I'm cautious. They're

531
00:28:25.619 --> 00:28:29.279
out there too in LinkedIn land. I've recently opened up my,

532
00:28:29.500 --> 00:28:31.279
my Facebook to a little bit of business, a little

533
00:28:31.299 --> 00:28:35.539
bit of personal, uh, And, uh, and, uh, but as

534
00:28:35.579 --> 00:28:38.299
far as the business goes, I, unless I've met you,

535
00:28:38.319 --> 00:28:41.119
I won't, I won't just, you might be, I might

536
00:28:41.160 --> 00:28:43.480
have 20 mutual friends, but unless I've met you, I'm

537
00:28:43.500 --> 00:28:46.400
still not letting you in. Um, but once I meet you,

538
00:28:46.460 --> 00:28:48.460
then you're okay. Right.

539
00:28:48.480 --> 00:28:50.900
And, and that, and that's tough when you have somebody

540
00:28:50.940 --> 00:28:55.289
like both of us that, um, are either working for

541
00:28:55.309 --> 00:28:56.690
a business or have a business.

542
00:28:57.009 --> 00:28:57.309
Right.

543
00:28:57.930 --> 00:28:59.109
And you have a personal relationship.

544
00:28:59.750 --> 00:29:04.390
Like with Facebook, we have the Rose Advocacy business page,

545
00:29:04.869 --> 00:29:07.230
but it's linked to your personal. So I can't have

546
00:29:07.250 --> 00:29:10.779
that business page without having the personal one. And you

547
00:29:10.819 --> 00:29:12.839
want to be able to have it open to the

548
00:29:12.880 --> 00:29:15.940
public to get the awareness and the information out to

549
00:29:16.000 --> 00:29:19.460
more people, which means you just need to be even

550
00:29:19.539 --> 00:29:25.940
more conscious about who is commenting on your post, who

551
00:29:26.019 --> 00:29:29.519
is trying to befriend you. I mean, I get those

552
00:29:29.680 --> 00:29:34.349
comments on my posts that I make personally, even if

553
00:29:34.430 --> 00:29:36.789
I share something from Rose or if I make a

554
00:29:36.829 --> 00:29:40.380
personal post, sometimes it's a month or two later. but

555
00:29:40.420 --> 00:29:42.359
then all of a sudden I get a notification that

556
00:29:42.400 --> 00:29:46.140
says so-and-so liked my picture or my post. And I

557
00:29:46.160 --> 00:29:48.460
look at the name and it's like, I don't really

558
00:29:48.500 --> 00:29:50.740
know that name. And then lo and behold, the next

559
00:29:50.809 --> 00:29:54.910
notification is they've commented. And I go into the comment

560
00:29:55.029 --> 00:29:57.430
and I'm like, yeah, that's a scammer. And so I

561
00:29:57.470 --> 00:30:00.720
just take my finger and hold it down on, on

562
00:30:00.740 --> 00:30:02.759
the message and it comes up and I can delete

563
00:30:02.799 --> 00:30:06.779
that message to get it out of, to get it

564
00:30:06.980 --> 00:30:10.809
out of the, um, the, the comment history, because I

565
00:30:10.869 --> 00:30:14.609
wouldn't want anybody else of my friends that are looking

566
00:30:14.730 --> 00:30:18.430
at it and seeing that person's comment and saying, Hey,

567
00:30:18.509 --> 00:30:20.660
you know, I want to, I want to befriend you or,

568
00:30:20.700 --> 00:30:21.539
you know, or whatever.

569
00:30:21.819 --> 00:30:22.119
Right.

570
00:30:22.200 --> 00:30:24.880
You know, they look like a really nice person because,

571
00:30:25.299 --> 00:30:32.230
you know, loneliness, emotion, right. If you're in a financial

572
00:30:32.269 --> 00:30:36.910
hardship and you really need to make money, sometimes those

573
00:30:37.630 --> 00:30:40.259
scam jobs that you talked about earlier all of a

574
00:30:40.279 --> 00:30:43.799
sudden become more enticing and it's more difficult for you

575
00:30:43.819 --> 00:30:46.019
to get out of that emotion and say, this is

576
00:30:46.079 --> 00:30:50.019
really a scam, right? You're just excited that, oh my gosh,

577
00:30:50.119 --> 00:30:53.200
I can make the money. I need this money to

578
00:30:53.789 --> 00:30:56.490
pay my bills, to pay my rent, to take care

579
00:30:56.509 --> 00:30:58.269
of my kids, whatever it is, right?

580
00:30:59.069 --> 00:31:03.329
And as you've brought out in many of your podcasts

581
00:31:03.549 --> 00:31:06.690
and information, these scammers are pros. They know exactly what

582
00:31:06.730 --> 00:31:11.450
to say. They could probably be psychiatrists at some point

583
00:31:11.490 --> 00:31:13.900
because they know how the human mind works and they

584
00:31:13.920 --> 00:31:16.299
know exactly what to say and how to say it.

585
00:31:17.119 --> 00:31:17.940
Play on your emotions.

586
00:31:19.019 --> 00:31:25.380
I would bet, you know, because they're big companies with

587
00:31:25.420 --> 00:31:29.250
a lot of people, right, working and doing this. is

588
00:31:29.349 --> 00:31:33.990
that they probably have some people that have gone through

589
00:31:34.029 --> 00:31:38.349
the whole psychology classes, right? And maybe they've done something

590
00:31:38.450 --> 00:31:43.089
online and gotten a psychology degree that is coming up

591
00:31:43.210 --> 00:31:47.609
with these scripts and teaching them, right, on how to

592
00:31:47.650 --> 00:31:49.410
play on emotions and stuff like that.

593
00:31:49.950 --> 00:31:50.869
I wouldn't put it past them.

594
00:31:50.890 --> 00:31:54.670
I just told a group yesterday at a presentation, I

595
00:31:54.710 --> 00:31:56.779
don't put anything past psychology.

596
00:31:57.420 --> 00:31:57.660
Right.

597
00:31:57.740 --> 00:32:01.220
The scammers. And so you just have to be you just.

598
00:32:01.119 --> 00:32:05.349
Have to be very, very careful, especially with all of

599
00:32:05.390 --> 00:32:07.809
a sudden out of the blue stuff that comes in.

600
00:32:08.630 --> 00:32:15.430
And if there's one thing that I could stress as

601
00:32:15.490 --> 00:32:19.069
the cybersecurity person in me, you know, and then the

602
00:32:19.529 --> 00:32:24.700
insurance guy in me, I just put a multi-factor authentication

603
00:32:24.799 --> 00:32:25.319
on everything.

604
00:32:25.960 --> 00:32:27.160
I can't stress that enough.

605
00:32:27.700 --> 00:32:30.440
And I've noticed a lot more companies, because I think

606
00:32:30.960 --> 00:32:34.660
when that first came out, that multi-factor or two-factor authentication,

607
00:32:35.079 --> 00:32:37.400
I think a lot of the financial companies, the banks,

608
00:32:37.460 --> 00:32:41.339
the investment brokers, they were kind of one of the

609
00:32:41.380 --> 00:32:46.500
first ones to implement it. And maybe they weren't.

610
00:32:46.519 --> 00:32:49.319
Maybe it was Amazon or something like that. I don't know.

611
00:32:49.440 --> 00:32:50.980
But it's one of the things.

612
00:32:50.839 --> 00:32:53.140
We tell them, make sure you have that on all

613
00:32:53.160 --> 00:32:55.759
of your financial accounts. I know it's a pain in

614
00:32:55.779 --> 00:32:58.829
the butt. It's an extra 10 seconds. if you don't

615
00:32:58.890 --> 00:33:01.170
have your phone sitting next to you and right, you

616
00:33:01.190 --> 00:33:02.650
got to get up and go get it, get up

617
00:33:02.710 --> 00:33:05.730
and go get it and get that code because it's

618
00:33:05.750 --> 00:33:06.509
an added.

619
00:33:06.349 --> 00:33:07.329
Layer of security.

620
00:33:07.369 --> 00:33:09.799
But a lot of, a lot of account, a lot

621
00:33:09.819 --> 00:33:12.759
of companies are now making that part of their settings.

622
00:33:13.160 --> 00:33:16.059
They don't necessarily, when you sign up for the account,

623
00:33:17.039 --> 00:33:20.220
ask you for it or ask you to set it up.

624
00:33:20.579 --> 00:33:24.930
But if you go into the settings in that account and,

625
00:33:25.480 --> 00:33:28.039
And scroll down and look at all the settings.

626
00:33:28.740 --> 00:33:30.599
A lot of times it's in there. You just need

627
00:33:30.640 --> 00:33:31.359
to turn it on.

628
00:33:31.599 --> 00:33:34.750
Yes. Yes. On everything. So not just your financial, though,

629
00:33:34.769 --> 00:33:36.950
because what they'll do is they'll get into your email

630
00:33:37.769 --> 00:33:40.759
and then they'll know the passwords that you're setting up

631
00:33:40.930 --> 00:33:45.650
and they'll know the two authentication codes that you're getting. Um,

632
00:33:46.130 --> 00:33:47.650
I look at it as a, you and I are

633
00:33:47.690 --> 00:33:50.509
old enough to remember when seat seatbelts weren't legal and

634
00:33:50.529 --> 00:33:52.190
it was, Oh, it's just a pain in the butt

635
00:33:52.210 --> 00:33:54.869
to put a seatbelt on. And it's the same thing.

636
00:33:54.910 --> 00:33:57.730
You know, it's, it's once you start doing it, it

637
00:33:57.930 --> 00:34:00.480
becomes a habit. It's, you don't even think about it anymore.

638
00:34:00.759 --> 00:34:04.309
And I always say that small inconvenience. Of going and

639
00:34:04.349 --> 00:34:07.329
getting your phone from the other room or, oh, hold on,

640
00:34:07.369 --> 00:34:09.250
I got to get the code and put it in.

641
00:34:09.690 --> 00:34:13.219
That is way, way better than that gut feeling you

642
00:34:13.239 --> 00:34:15.619
get when you open up your email and say someone

643
00:34:15.639 --> 00:34:17.739
has signed into your bank account or someone has signed

644
00:34:17.780 --> 00:34:19.000
into your Facebook account.

645
00:34:19.079 --> 00:34:20.619
It can save your life, right?

646
00:34:20.719 --> 00:34:21.960
Absolutely. Absolutely.

647
00:34:21.980 --> 00:34:24.039
It can, just like a seatbelt can save your life,

648
00:34:24.699 --> 00:34:27.090
you know, should you get into an accident, right? You

649
00:34:27.119 --> 00:34:30.309
have that risk when you're out there driving or riding

650
00:34:30.349 --> 00:34:34.039
in a car, you know, you have that risk. of,

651
00:34:34.619 --> 00:34:36.840
and it doesn't even have to be the person driving

652
00:34:36.940 --> 00:34:38.860
could cause an accident.

653
00:34:38.900 --> 00:34:40.139
There's all the other people.

654
00:34:40.179 --> 00:34:41.090
It's one extra small step.

655
00:34:41.130 --> 00:34:41.710
Exactly.

656
00:34:42.750 --> 00:34:46.309
If you're going to be online and you have a

657
00:34:46.349 --> 00:34:49.809
credit card and you're going to go use it, you

658
00:34:50.030 --> 00:34:52.110
have a risk that a scammer is going to get

659
00:34:52.159 --> 00:34:52.860
in touch with you.

660
00:34:52.940 --> 00:34:55.840
And so you just have to put as much security

661
00:34:55.880 --> 00:34:56.519
as you can.

662
00:34:56.539 --> 00:34:58.699
And the other thing as to why you want to

663
00:34:58.719 --> 00:35:01.980
have multi-factor is, like you said, if they can get

664
00:35:02.079 --> 00:35:06.480
in and they get one username and password combination.

665
00:35:06.440 --> 00:35:10.260
If you've reused those which a lot of people do yep.

666
00:35:11.969 --> 00:35:14.909
They they have a computer system that just puts it

667
00:35:15.130 --> 00:35:18.590
into thousands of difference account knowing.

668
00:35:18.230 --> 00:35:21.050
That most people.

669
00:35:20.449 --> 00:35:23.449
Yep what was it a dictionary.

670
00:35:23.289 --> 00:35:26.809
Dictionary attack they will uh they'll do some social uh

671
00:35:27.670 --> 00:35:30.110
fishing on you and figure out your first pet's name

672
00:35:30.230 --> 00:35:32.989
and all that stuff on Facebook. And then they'll, they'll

673
00:35:33.070 --> 00:35:36.250
use combinations of your passwords and then they have software

674
00:35:36.269 --> 00:35:39.380
that does it all. So they'll, they'll run that algorithm.

675
00:35:39.429 --> 00:35:41.800
Once I get one username and password, they'll just run

676
00:35:41.860 --> 00:35:44.340
an algorithm through throughout all of the, you know, the

677
00:35:44.400 --> 00:35:47.400
banks and the social medias and the emails and everything else.

678
00:35:48.610 --> 00:35:51.789
So use multi-factor. Even if they have your password, they

679
00:35:51.809 --> 00:35:52.969
can't sign in without that.

680
00:35:53.150 --> 00:35:56.730
Without that, which is confidential information, right? You don't just

681
00:35:56.769 --> 00:35:59.329
give it to anybody. You need to know for sure.

682
00:35:59.369 --> 00:36:02.489
And I would recommend having an authenticator app that works

683
00:36:02.530 --> 00:36:05.199
better than the text messaging code because they can hang

684
00:36:05.239 --> 00:36:08.400
out on your phone. Your text messages can be compromised.

685
00:36:09.000 --> 00:36:09.880
They can, right.

686
00:36:09.900 --> 00:36:12.280
Google Authenticator, Microsoft Authenticator. Right.

687
00:36:12.539 --> 00:36:14.989
And the one thing with that that I found....

688
00:36:15.860 --> 00:36:18.489
And mine was Microsoft Authenticator, but I'm sure it works

689
00:36:18.530 --> 00:36:22.190
with Google Authenticator. If you're going to get a different phone,

690
00:36:24.190 --> 00:36:27.110
whether you're switching from Apple to Android or vice versa,

691
00:36:27.210 --> 00:36:30.389
or just upgrading your phone, you need to make sure

692
00:36:30.590 --> 00:36:34.809
that all of that information in that Authenticator app transfers over.

693
00:36:35.590 --> 00:36:39.710
Because one of mine didn't. And it took me a while,

694
00:36:40.070 --> 00:36:43.869
like months. I was finally able to get in. but

695
00:36:44.090 --> 00:36:45.809
it was a lot of work and a lot of

696
00:36:45.869 --> 00:36:49.369
headaches and frustration. So just make sure that that transfers over.

697
00:36:49.869 --> 00:36:52.199
We brought up, we've only got about maybe three or

698
00:36:52.239 --> 00:36:54.820
four more minutes, but I wanted to talk about one

699
00:36:54.880 --> 00:36:58.079
thing that I see on Facebook all the time is

700
00:36:58.139 --> 00:37:01.659
these surveys or there'll be these, I don't know what

701
00:37:01.699 --> 00:37:05.000
they call them, but it's like you answer some questions

702
00:37:05.760 --> 00:37:08.469
and they're going to tell you what type of person

703
00:37:08.510 --> 00:37:08.969
you are.

704
00:37:08.989 --> 00:37:10.869
Right. And it's fun.

705
00:37:10.909 --> 00:37:11.090
Yeah.

706
00:37:12.429 --> 00:37:14.369
Yeah people like to do that.

707
00:37:14.230 --> 00:37:16.449
And then they'll post it and other people will be

708
00:37:16.510 --> 00:37:19.610
like oh that's cool i want to do that now

709
00:37:19.800 --> 00:37:27.699
are they all legit are sorry about that for you

710
00:37:27.719 --> 00:37:31.570
guys that are watching and listening this to this um

711
00:37:31.670 --> 00:37:34.630
i've got to work on my connection with my internet

712
00:37:34.730 --> 00:37:37.610
because uh It's gone out three times, which was better

713
00:37:37.650 --> 00:37:41.010
than last week. I've connected it differently this time, but

714
00:37:41.030 --> 00:37:43.329
I've got to maybe do one more thing to get

715
00:37:43.369 --> 00:37:45.969
it to not go out. So anyways, apologize for those

716
00:37:45.989 --> 00:37:49.329
little interruptions. But you don't know, are they all legit?

717
00:37:49.389 --> 00:37:53.090
Are they all scams? But you have to think about.

718
00:37:52.860 --> 00:37:56.500
When you're answering those questions, you know, well, what's your

719
00:37:56.539 --> 00:38:00.500
pet's name? Or what's your favorite pet's name, right? That's

720
00:38:00.559 --> 00:38:01.739
a security question.

721
00:38:01.860 --> 00:38:03.340
What was the first concert you attended?

722
00:38:03.940 --> 00:38:05.179
What's your mother's maiden name?

723
00:38:05.199 --> 00:38:05.300
Yeah.

724
00:38:05.880 --> 00:38:09.219
That's really easy to find out. Exactly.

725
00:38:09.239 --> 00:38:11.480
A lot of us put our maiden names. I'm a

726
00:38:11.500 --> 00:38:13.840
culprit of that. I have my maiden name on.

727
00:38:13.780 --> 00:38:14.780
My Facebook, right?

728
00:38:14.840 --> 00:38:20.820
So now all of a sudden, my kid's mother's maiden name,

729
00:38:20.860 --> 00:38:23.539
it's right there. So you really have to be careful

730
00:38:23.679 --> 00:38:26.420
about what you're doing. And you think, well, I'm only

731
00:38:26.460 --> 00:38:27.860
giving out my pet's name.

732
00:38:28.219 --> 00:38:28.860
Well, guess what?

733
00:38:28.940 --> 00:38:32.570
If your social media is set up and they like,

734
00:38:32.610 --> 00:38:34.369
they know that you're going to be a certain age

735
00:38:34.449 --> 00:38:36.829
on a certain day. How easy is, is it to

736
00:38:36.869 --> 00:38:39.750
figure out what year you were born? And now if

737
00:38:39.809 --> 00:38:43.239
you've used your pet's name and your birthday, you know, the,

738
00:38:43.659 --> 00:38:45.300
your date you were born as your.

739
00:38:45.179 --> 00:38:47.400
Password, they've got your password.

740
00:38:47.800 --> 00:38:48.460
Yeah, absolutely.

741
00:38:48.860 --> 00:38:49.099
Right.

742
00:38:49.179 --> 00:38:51.719
It's, it's that, it's that social.

743
00:38:51.460 --> 00:38:58.929
Engineering and you don't even realize you're giving up sensitive information. Yep. Right. But,

744
00:38:59.500 --> 00:39:01.760
And that's another way, like you said, that they fish

745
00:39:01.820 --> 00:39:05.690
for information. They get you to play these nice little things.

746
00:39:05.869 --> 00:39:10.940
Games. Games. Yeah, yeah. Oh, time. Okay.

747
00:39:11.599 --> 00:39:12.000
All right.

748
00:39:12.099 --> 00:39:12.840
I guess it's time.

749
00:39:13.280 --> 00:39:13.579
All right.

750
00:39:14.079 --> 00:39:14.539
We're done.

751
00:39:14.559 --> 00:39:14.639
Okay.

752
00:39:16.539 --> 00:39:19.760
Tip, make sure everybody has a trusted tech support person.

753
00:39:20.380 --> 00:39:23.989
You can always call Gordy at Acacia IT if you

754
00:39:24.010 --> 00:39:28.369
don't have one, but have a trusted tech support person.

755
00:39:28.469 --> 00:39:29.969
They are an invaluable resource.

756
00:39:30.099 --> 00:39:32.059
Tool. Absolutely.

757
00:39:32.079 --> 00:39:33.920
Thanks, everyone. Thanks, Gordy.

758
00:39:34.199 --> 00:39:34.739
Thank you, Joyce.

759
00:39:35.500 --> 00:39:35.619
Yep.

760
00:39:37.050 --> 00:39:40.010
Well, that's all the knowledge for this episode. Tune in

761
00:39:40.289 --> 00:39:44.380
every Tuesday at 8 a.m. Pacific time on K4HD Radio

762
00:39:44.500 --> 00:39:49.380
at K4HD. com as Joyce explores a variety of knowledge so

763
00:39:49.559 --> 00:39:53.619
you have the power to make scam protection your healthy habit.

764
00:39:54.260 --> 00:39:57.039
And until then, feel free to reach out to Joyce

765
00:39:57.179 --> 00:39:59.000
and let's talk about scams.