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Speaker 1: It's Nice Eyes with Dan Ray ongoing Easy Boston's news radio.

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Speaker 1: I'm Breda Jay for Dan tonight.

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Speaker 2: If I am, if I said, hey, we're going to

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Speaker 2: talk about cybersecurity, you would say, But if I phrased

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Speaker 2: it differently, if I told you tonight, I'm going to

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Speaker 2: tell you how to decrease your chances of having your

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Speaker 2: ID stolen, your credit ruined, your bank account wiped out,

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Speaker 2: and becoming a totally broken person, you'd pay attention. Well,

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Speaker 2: then then go with the latter, because that's what we're

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Speaker 2: going to talk about, and we have a super duper

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Speaker 2: expert in here to give us well to let us

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Speaker 2: know the dangers and to give us actionable stuff that

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Speaker 2: we can do to protect ourselves. I've already done a

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Speaker 2: bunch of them, and you really need you need to

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Speaker 2: know this stuff. So I'm very happy to introduce our guest,

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Speaker 2: Robert Ciciliano, a cybersecurity expert. Hi.

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Speaker 1: Robert, Hey buddy, you are iconic.

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Speaker 2: By the way, Well, thank you very much much. I

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Speaker 2: have spoken to you a number of times way back.

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Speaker 2: It almost seems, you know, when the Internet was first

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Speaker 2: starting out. It's not really that way, but things have

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Speaker 2: come a long way since we used to speak, so

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Speaker 2: I'm anxious to catch up.

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Speaker 1: Yeah, there's a lot to talk about.

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Speaker 2: You know. One thing I can do is start with

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Speaker 2: a story. I have a friend who was just living

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Speaker 2: her life, living in actually Florida at the time, and

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Speaker 2: put her iPhone and her scooter not you know, the

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Speaker 2: little pack on the back there, whatever you call it,

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Speaker 2: and walked away and somebody, I don't know what she

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Speaker 2: was doing, but somebody went in there and stole it,

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Speaker 2: and somehow through that her life was ruined. Her apple

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Speaker 2: id her, she couldn't, you know, the access to her

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Speaker 2: stuff on the cloud was blocked, and on and on

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Speaker 2: and on. Her life was living hell for months and

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Speaker 2: months and months. And this could happen to you. It

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Speaker 2: could happen to any one of you anytime, and so

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Speaker 2: we need to address that. First of all, Robert, tell

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Speaker 2: us about you, and tell us how people can contact

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Speaker 2: you if they should need more personal advice or have

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Speaker 2: further questions after you're gone.

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Speaker 1: Yeah, easy enough. So by trade, I provide a security

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Speaker 1: awareness training, which basically means I head into organizations, corporations

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Speaker 1: at their conferences and so forth, and get in front

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Speaker 1: of their people and provide awareness training, giving them what

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Speaker 1: they need to know in regards to who the bad

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Speaker 1: guys are, what the motivations are, and what you as

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Speaker 1: a consumer, as an employee, what systems need to put

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Speaker 1: in place to reduce that risk, to make sure that

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Speaker 1: when the bad guys send you an email, send you

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Speaker 1: a text message, call you, or show up to your

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Speaker 1: place of business, that you become a tougher target. I'm

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Speaker 1: available online at protect NOWLLC dot com. Again, protect NOWLLC

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Speaker 1: dot com.

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Speaker 2: Okay, you know we go through all this, I guess

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Speaker 2: for the sake of convenience, But look at all the

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Speaker 2: hoops we have to jump through for convenience. I wonder

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Speaker 2: if it is all worth it. I talk to people,

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Speaker 2: most Knights, who don't have computers and don't want computers

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Speaker 2: because they want no part of this risk that we're

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Speaker 2: talking about. It's fairly interesting. And speaking of you listening,

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Speaker 2: have you been acted? Have you had your identity stolen?

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Speaker 2: Have you been scammed? Do you wonder if you're being scammed?

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Speaker 2: Have you had you know? Questionable things happen? And in general,

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Speaker 2: does it bother you that strangers, some who many who

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Speaker 2: want to steal from you may already have your information.

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Speaker 2: We'd like to hear from you at six point seven

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Speaker 2: two five ten thirty. Now, first let's talk about devices, phone, laptop.

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Speaker 2: What can we do to protect ourselves regarding these devices?

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Speaker 1: Well, first and foremost, your friend whose mobile was stolen

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Speaker 1: out for a scooter, there's a one hundred percent chance

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Speaker 1: that her life was ruined as a result of that,

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Speaker 1: that her mobile phone was not password protected. That's like

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Speaker 1: the first thing I thought.

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Speaker 2: That I would imagine that everyone would know to do that.

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Speaker 2: But is that you find that's not the case.

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Speaker 1: You'd be surprised how many people do not password protect

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Speaker 1: their mobile device. If your mobile device is lost or

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Speaker 1: or worse stolen and it's not password protected, you know,

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Speaker 1: the question is what do they have access to? And

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Speaker 1: the answer is always everything, right, And once they're on

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Speaker 1: your device, they not only have access to your Apple ID,

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Speaker 1: generally your whatever that email associated email addresses, they all

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Speaker 1: also have access to your email, right, so they're logged

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Speaker 1: into your Gmail once they are on your phone, and

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Speaker 1: if in fact you use email. But once they're in

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Speaker 1: your Gmail, from there, they can reset your Apple ID,

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Speaker 1: they can reset your Apple passcode. From there, they can

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Speaker 1: reset the passcode to your banking to your credit cards,

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Speaker 1: to pretty much everything. Guys say, if you own the

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Speaker 1: person's email, you own the person because that's where everything resides.

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Speaker 1: That's where all the transactions begin and passwords are changed.

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Speaker 1: And so password protecting your devices, laptops, desktops, mobile phones,

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Speaker 1: in your house, and of course the portable devices is

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Speaker 1: absolutely necessary, and too many people don't do it.

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Speaker 2: So you're telling me that there are people currently with

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Speaker 2: where anyone can go into their phone if they get

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Speaker 2: the phone. Yeah, and it's not locked. So people, right

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Speaker 2: away you need to figure out how to password protect

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Speaker 2: your phone. If you don't know how, call If you

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Speaker 2: have an Apple device, you can call Apple tech Support.

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Speaker 2: I don't know how it works with other phones, but

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Speaker 2: figure it out.

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Speaker 1: Just google it. Just ask Google's Gemini how to password

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Speaker 1: protect my mobile device. It'll walk you through exactly how

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Speaker 1: to do that, whether it's Chatch ept, Google Gemini, step

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Speaker 1: by step. It's such a simple thing. And that's just

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Speaker 1: one thing. Password management, access control for all your devices

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Speaker 1: is the most overlooked risk reduction strategy that too many

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Speaker 1: people don't engage in.

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Speaker 2: Oh yeah, and also, if you're a person like I

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Speaker 2: am here, I'm a visual person. I love getting tutorials

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Speaker 2: on YouTube. That's that's how I get things done. That

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Speaker 2: works for me. Yeah, So use the technology in your

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Speaker 2: favor friends. So that goes for the phone and the laptop.

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Speaker 2: Now they're trying to circumvent password at least part of

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Speaker 2: the time with your fingerprint on, Like my laptop, it

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Speaker 2: does shut down, but if I just touch it with

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Speaker 2: my fingerprint, it opens up. Is that okay? Or is

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Speaker 2: somebody going to cut my finger off to get into

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Speaker 2: my computer?

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Speaker 1: So I make sure to incorporate biometric technologies into all

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Speaker 1: my hardware as a form of access control, whether it's

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Speaker 1: my mobile device, my laptop. That's fine. You know, passwords, biometrics, fingerprint,

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Speaker 1: iris scan, facial recognition, all that stuff is really good

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Speaker 1: as long as it's locked down so that it's not

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Speaker 1: easy for somebody to get it if you lose it

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Speaker 1: or if they steal it. Generally you're going to be

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Speaker 1: in pretty good shape.

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Speaker 2: Okay, we're gonna break and then we're gonna get to

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Speaker 2: some other must do things to protect you from becoming

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Speaker 2: a cyber broken person. Coming up on WBZ.

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Speaker 1: It's Night Side with Dan Ray on.

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Speaker 2: Boston's news radio Bradley for Dan tonight. I'd love to

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Speaker 2: hear from you six one, seven, two, five, four, ten thirty.

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Speaker 2: Have you had any issues cybersecurity wise? Have you been hacked?

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Speaker 2: Have you been fooled? Have you had attempts? Have you

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Speaker 2: had do you have questions? Was was that legit? If

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Speaker 2: you have questions, it probably wasn't. Uh, And we have

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Speaker 2: a number of things, but definitely get to gonna get

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Speaker 2: to Robert Ciciliano. But one we're going to add on

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Speaker 2: is every email, every phone call, every text you get,

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Speaker 2: you got to take a look at what's going on here?

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Speaker 1: Who is that?

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Speaker 2: What are they doing?

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Speaker 1: What's the motivation? Why are they contacting me that? Well,

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Speaker 1: what's the motivation? Why are they contacting me? Like?

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Speaker 2: What?

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Speaker 1: What is what? What are they trying to get out

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Speaker 1: of me? You know? And and and be suspect. Don't

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Speaker 1: just automatically trust, you know, today, I don't know anybody

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Speaker 1: that does not get bombarded with the inbound communications that

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Speaker 1: are meant to you know, steale from us. And so

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Speaker 1: if you're cognizant of that, and you're not just by

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Speaker 1: default trusting every inbound communication, being suspect, especially when your

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Speaker 1: blood pressure goes up and there's some type of a

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Speaker 1: threat and there's any form of money that needs to

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Speaker 1: be transacted. Oh god, no, you need to be suspect.

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Speaker 1: You can't just automatically say, oh, my loved one is

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Speaker 1: in danger, therefore I must act. No, I mean, how

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Speaker 1: likely is it that that is actually happening? That's you love?

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Speaker 2: What is that that's a particular scam? We'll get to

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Speaker 2: there's so many, I am. We'll get to that in

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Speaker 2: the scam department. But I am so senative sensitive to

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Speaker 2: it that there I'm aware of these simple hey, how

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Speaker 2: are you doing?

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Speaker 1: Texts?

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Speaker 2: How do you that? That are not from any you know?

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Speaker 2: And the sender is hoping you'll, you know, say ah, good,

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Speaker 2: who's this? Or oh and they say, well, I'm sorry,

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Speaker 2: wrong thing, but how you doing anyway? And they try

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Speaker 2: to strike up a relationship.

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Speaker 1: It's the wrong number scam.

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Speaker 2: I guess we were into scams, so we might as

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Speaker 2: well do scams. How about how about the grand the grandmother,

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Speaker 2: little Timmy's in trouble, we need money right now? Scam?

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Speaker 2: And add into that mix in that type of scam

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Speaker 2: AI and how much more effective these scams become.

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Speaker 1: Sure, So when we receive the wrong number of text messages.

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Speaker 1: Most of us, you know, delete it market. I spam.

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Speaker 1: I respond to all of them, right because I want

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Speaker 1: to know who's on the other end of line, and

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Speaker 1: I engage. I want and I scam bait them to

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Speaker 1: a certain degree, and I actually have dialogue with them.

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Speaker 1: And generally when I do this, within a week, they

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Speaker 1: want to get on WhatsApp video like, they want to

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Speaker 1: actually have do a video call with me, and they

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Speaker 1: want face to face. And when I do get face

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Speaker 1: to face with them, it's usually generally a female, a

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Speaker 1: Southeast Asian female. However, she has a generally like a

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Speaker 1: Russian woman's complexion that is generated via artificial intelligence. Okay,

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Speaker 1: so the woman that I'm actually speaking to is likely

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Speaker 1: a victim of human trafficking based in Southeast Asia. The

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Speaker 1: United Nations says this is probably about three hundred thousand

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Speaker 1: victims of human trafficking right now in the world, most

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Speaker 1: of them in Southeast Asia. That they are eighteen hours

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Speaker 1: a day scamming us because they're being forced to gun

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Speaker 1: to their head scamming us. And when I communicate with them,

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Speaker 1: I understand what they're going through. I'm not trying to

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Speaker 1: trip them up. I want to understand their scam, and

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Speaker 1: generally within a week after the video, it's from there.

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Speaker 1: It's about trust, it's about building relationships. It's not so

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Speaker 1: much about romance, but it can be. And what they

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Speaker 1: want is primarily is for me to engage in cryptocurren right.

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Speaker 1: They want me to download apps, they show me how

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Speaker 1: to do it right. They send me off screenshots of

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Speaker 1: all that, and I'll go back and forth with them,

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Speaker 1: showing them the screen shots. And then they want to

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Speaker 1: take over my accounts. And then they want me to invest,

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Speaker 1: you know, from my bank account, from my credit card,

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Speaker 1: and they'll show you, you know, like sixty eighty percent

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Speaker 1: you know, returns in your money in a week. And

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Speaker 1: it's exactly like a Ponzi scheme where you can actually

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Speaker 1: take the money out. But what they want is they

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Speaker 1: want you to invest and reinvest and invest and reinvest.

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Speaker 1: I met a couple down in Florida that lost six

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Speaker 1: hundred thousand dollars to the exact same scam. They thought

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Speaker 1: they had made two point two million and they lost everything.

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Speaker 1: And that is so easy because AI makes it easy,

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Speaker 1: because it's scalable. They can change the voice, they can

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Speaker 1: change the face, and they are believable. And what they

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Speaker 1: really pray upon is our loneliness, because one out of

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Speaker 1: four of us, twenty five percent, our default every day

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Speaker 1: is that we have a sense and feeling of loneliness.

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Speaker 1: And it's normal and it's natural, and it's unfortunate. And

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Speaker 1: that pain and ache of loneliness is no different than

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Speaker 1: hunger pains, you know, like we need to eat, therefore

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Speaker 1: we have hunger pains. We need to procreate, therefore we

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Speaker 1: have lonely Like that's evolutionary. And so as a result

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Speaker 1: of that, they prey upon those people who are lonely

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Speaker 1: and they hook them.

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Speaker 2: Okay, Next, beware of anything that involves gift cards.

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Speaker 1: Correct gift comment payment pay me in gift.

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Speaker 2: Cards is a huge giant red flag.

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Speaker 1: Yeah, anytime there's any type of a ruse where someone

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Speaker 1: emails you, text you say hey, go out and buy

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Speaker 1: me five gift cards or pay with gift cards, this

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Speaker 1: and that, that's always going to be a scam. Just don't.

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Speaker 2: Okay, other scams, well.

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Speaker 1: You know, I would say more than anything like the

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Speaker 1: grandparent scam. And look at Timmy, who you know, got

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Speaker 1: in a bar fight in New Orleans and needs his

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Speaker 1: grandparent to bail them out and just wire him two

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Speaker 1: thousand dollars to pay for his lawyer. Like, that's just

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Speaker 1: not going to happen. I mean, the story might sound feasible.

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Speaker 1: Timmy might actually sound like Timmy, but they got Timmy's

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Speaker 1: voice off of Snapchat or you know, Facebook rails or

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Speaker 1: he posted a video with him and his buddies and

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Speaker 1: they used artificial intelligence to clone his voice. But really,

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Speaker 1: what you need to do is call your son, call

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Speaker 1: your daughter, say hey, is Timmy? Okay? Or call Timmy directly.

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Speaker 1: Don't just wire the money. Because you wire the money,

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Speaker 1: you're just giving money to bad guys to support their

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Speaker 1: drug habit. Okay.

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Speaker 2: Next up, Oh, let's talk about freezing credit.

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Speaker 1: So credit freeze has been around since two thousand and

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Speaker 1: eight as.

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Speaker 2: A way to protect yourself. Everyone should freeze your credit.

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Speaker 1: Yeah, so, freezing your credit does not affect your credit rating,

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Speaker 1: It doesn't affect your credit score, it doesn't affect your

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Speaker 1: ability to get credit, it doesn't damage your credit. What

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Speaker 1: it does is, it's plain and simple. It's a lock

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Speaker 1: on your credit on your credit bureau. So experience TransUnion

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Speaker 1: Echo factor with the three major credit bureaus. When a

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Speaker 1: lender gets an application for credit, the first thing they're

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Speaker 1: gonna do is is contact the credit buros to check

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Speaker 1: your credit score and immediately if your credit's frozen, right,

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Speaker 1: they're locked out. They can't They're not going to issue

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Speaker 1: a line of credit under your name. Therefore, you right

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Speaker 1: now freezing your credit is the best thing that you

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Speaker 1: could do to reduce that risk. All you've got to

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Speaker 1: do is go to TransUnion experience echofax, search out eat

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Speaker 1: the three names of the credit bureaus the words credit freeze.

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Speaker 1: You'll find the page on each of the buros to

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Speaker 1: freeze your credit.

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Speaker 2: I guess before we go on and talk about things

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Speaker 2: you can do to protect yourself, let's spend a little

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Speaker 2: time talking about what you're protecting yourself from. How bad

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Speaker 2: could things get? What could you know? What could happen

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Speaker 2: to you?

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Speaker 1: You know, if you are not doing the basic things,

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Speaker 1: like you know, freezing your credit, your Social Security number

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Speaker 1: ends up in the hands of a criminal. They're gonna

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Speaker 1: essentially open up as many possible lines of credit under

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Speaker 1: your name as quickly as they can, tens of thousands

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Speaker 1: of dollars. You don't even have to have good credit.

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Speaker 1: You just have to have decent cred And once they

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Speaker 1: open up lines of credit under your name as much

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Speaker 1: as six figures, they're going to cash out, not pay

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Speaker 1: the bill. Now you're saddled with that debt until you

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Speaker 1: realize it, and then you can actually get the debt expunge. However,

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Speaker 1: your credit is still going to be bad and that

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Speaker 1: process can take years before your credit actually gets good again.

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Speaker 1: So not freezing your credit today puts you at risk.

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Speaker 1: To freeze your credit now you eliminate that problem, right,

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Speaker 1: and a big one. I mean, do you have time

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Speaker 1: for this right now?

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Speaker 2: Password management actually more more dangerous I wanted to cover.

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Speaker 2: I ask you a question about what can happen regarding

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Speaker 2: your bank account? Can they clean out your bank account?

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Speaker 1: Generally, the cleaning out of a bank account occurs when

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Speaker 1: your hardware, your devices, your mobile, your laptop, your desktop

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Speaker 1: is older, outdated, not password protected, old browser, old operating system.

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Speaker 1: You're functioning in Windows seven, you're functioning in Windows eight.

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Speaker 1: You're not updating your critical security patches, you don't have

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Speaker 1: anti virus, your devices are riddled with with with you know, vulnerabilities, right,

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Speaker 1: and so once the bad guy remotely gets on your machine,

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Speaker 1: they can get into your online banking like your like

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Speaker 1: like they're sitting in front of the computer from anywhere

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Speaker 1: in the world. Remote access technologies facilitate that process. So

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Speaker 1: if you're updating your hardware, updating your software, updating your passcodes,

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Speaker 1: generally you become a tougher target. It's harder for the

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Speaker 1: bad guy to get access to your bank account.

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Speaker 2: Okay, I guess we get to pass goes.

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Speaker 3: Now.

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Speaker 2: You mentioned having to update them.

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Speaker 1: I'm bad about that. I shouldn't.

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Speaker 2: I shouldn't tell the public that I'm bad about updating

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Speaker 2: my pass goes. I have really good ones. They're all different,

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Speaker 2: But why is it important to change them? What a pain?

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Speaker 1: So so I I don't necessarily change my passcodes. But

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Speaker 1: here's the thing. I don't have the same passcode on

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Speaker 1: any two accounts. I have hundreds of accounts and hundreds

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Speaker 1: of different passcodes. I don't know more than just a

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Speaker 1: couple of them. I know my Google password, I know

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Speaker 1: my Apple password. I know the password to my mobile

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Speaker 1: phone and my laptop.

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Speaker 2: If you know your password, it's probably a weak password.

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Speaker 2: Your password should be so strong enough you could never

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Speaker 2: remember it.

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Speaker 1: So uppercase lowercase phrases. All of that stuff is fine

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Speaker 1: for the accounts that you want to or need to remember, right,

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Speaker 1: the critical accounts, but like for the majority of them

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Speaker 1: that you don't necessarily need to remember your password manager.

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Speaker 1: Do you have a password manager?

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Speaker 2: Yeah?

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Speaker 1: So a password manager is one of the best tools

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Speaker 1: that people can use in the first question that people

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Speaker 1: have is, well, what if the password manager gets hacked.

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Speaker 1: I'm not worried about that. The reality of it is,

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Speaker 1: this has been about fifteen billion passwords compromised in the

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Speaker 1: past fifteen twenty years. Fifteen billion. That means pretty much

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Speaker 1: all of our passwords at some point have been compromised. Okay,

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Speaker 1: now that in and of itself. The problem there is

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Speaker 1: that ninety six percent of those passes, actually ninety four

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Speaker 1: percent of those pass codes, people are pretty much using

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Speaker 1: the same passcode across multiple accounts. That's the danger because

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Speaker 1: if you're using the same passcode for Facebook as you

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Speaker 1: are for Email, and your Facebook account gets compromised, then

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Speaker 1: they can get into your email because you're using the

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Speaker 1: same credentials across multiple accounts. See how that works, And

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Speaker 1: so is if you're using a different passcode everywhere. Uppercase

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Speaker 1: lowercase numbers, characters, and the password manager generates the passcode.

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Speaker 1: You're not going to be able to remember that passcode

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Speaker 1: because it's essentially like six uppercase f ampersand exclamation.

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Speaker 2: You copy it, you can copy it, you don't need

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Speaker 2: to really remember it. You go to your manager reveal

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Speaker 2: copy and you're paste.

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Speaker 1: It in or your password manager automatically plugs it in

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Speaker 1: for you. That's what this, that's what the that's what

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Speaker 1: a password managers generally want to do. So there's so

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Speaker 1: many out there. There's there's there's one password like the

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Speaker 1: number one password. Uh this uh this last pass. Last

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Speaker 1: pass got hacked a few years back, but they're in

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Speaker 1: pretty good shape now.

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Speaker 2: So we were just talking about how we should get one.

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Speaker 2: And you're not worried about them getting hacked, I'm.

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Speaker 1: Not at all. Well, but they're a security company. Their

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Speaker 1: servers were accessed, but the information that they had on

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Speaker 1: their files was not compromised because it was encrypted, right,

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Speaker 1: so they know what they're doing. It's like you have

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Speaker 1: your money in a bank. Banks get hacked, right, but

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Speaker 1: no banks have been hacked at the degree where you

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Speaker 1: know they no longer exist.

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Speaker 2: Right.

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Speaker 1: Let me, there's no such thing as one hundred percent security.

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Speaker 1: There's always going to be vulnerabilities. But you know, in

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Speaker 1: order to engage in commerce at some level, you've got

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Speaker 1: a bank online to to a certain degree, you've got

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Speaker 1: to have a password manager, you know, with with a

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Speaker 1: different passcode across multiple accounts. So one password is good,

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Speaker 1: last pass is good, roboform is good, Apple's password manager

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Speaker 1: is good. They're all pretty good.

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Speaker 2: Okay, more on password protection on this really important topic.

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Speaker 2: We're trying to keep you from having your life destroyed

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Speaker 2: by you by hackers.

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Speaker 1: On WBZ It's Night Side with Dan Ray on w

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Speaker 1: Austin's News Radio. Randy J.

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Speaker 2: Forb Dan WBZ guest Robert Ciciliano, he is a cybersecurity expert.

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Speaker 2: To break that down. Really, what we're trying to do

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Speaker 2: is save you from a horror story of being hacked

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Speaker 2: to death in the cyber world. And we're talking about

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Speaker 2: password protection now, and that's no small thing. And I'm

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Speaker 2: going to pick up on this, asking you the question,

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Speaker 2: what about folks who have mostly the same password for

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Speaker 2: everything only with a slight variation. For example, dog's name

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Speaker 2: thirty two, same dog's name forty seven.

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Speaker 1: Does that make it.

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Speaker 2: Easier for somebody with some sort of AI machine that's

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Speaker 2: or a computer to sift through a million numbers and

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Speaker 2: get your you get in or is that a fine

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Speaker 2: thing to do? Well?

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Speaker 1: See, I'm pretty confident that someone who's using like a

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Speaker 1: very similar password with slight variation, they're probably using like

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Speaker 1: a handful of passwords for multiple accounts, right, which means

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Speaker 1: that they're pretty much still kind of using same or

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Speaker 1: similar passcodes across multiple accounts, and that they're kind of

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Speaker 1: in the dark ages and no offense to anybody. I mean,

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Speaker 1: it's just you know, that's just the nature of it, right.

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Speaker 1: If you're not using that password manager like I suggested,

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Speaker 1: then if you then you don't either you either only

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Speaker 1: have like like a very small handful of accounts or

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Speaker 1: you're just simply using the same passcode across multiple accounts

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Speaker 1: with billions and billions of passcodes being compromised. Look at

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Speaker 1: on my own laptop that's sitting in front of me

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Speaker 1: on the desk right now, I've got twenty million email

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Speaker 1: addresses along with their associated passcodes. And how did you

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Speaker 1: get the Dark Web? I just downloaded it from the

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Speaker 1: Dark Web.

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Speaker 2: You did not pay for them, and you got them free.

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Speaker 1: Anybody can do the same exact thing. And with those credentials,

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Speaker 1: I can log into these people's accounts. Do you have

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Speaker 1: in there? Actually twenty one million you could.

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Speaker 2: Pick one and you have an email? You have them

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Speaker 2: and password?

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Speaker 1: Yeah, and that's all. Look at there are.

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Speaker 2: Have you ever done it? Just to look to peak.

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Speaker 2: I'll take that as a can't say.

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Speaker 1: And I will neither confirm nor deny it. All right,

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Speaker 1: let's just say it's possible, all right, Okay, Look, there

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Speaker 1: have been as many as one hundred and seventy five

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Speaker 1: billion records of our records, our information, names, addresses, phone numbers,

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Speaker 1: email addresses, past codes, right bank account numbers, credit card numbers, everything,

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Speaker 1: one hundred and seventy five billion records compromised in the

435
00:22:32,040 --> 00:22:36,160
Speaker 1: past fifteen twenty years. That's like the world's population, multiple

436
00:22:36,240 --> 00:22:38,520
Speaker 1: multiple times. What's that mean? It means the bad guys

437
00:22:38,520 --> 00:22:40,960
Speaker 1: have access to almost everything. Does that mean you just

438
00:22:41,000 --> 00:22:41,400
Speaker 1: give up?

439
00:22:41,680 --> 00:22:41,720
Speaker 4: Know?

440
00:22:42,119 --> 00:22:44,240
Speaker 1: What it does mean is that you make the data

441
00:22:44,320 --> 00:22:47,760
Speaker 1: that the bad guys have about you useless to the thief.

442
00:22:48,040 --> 00:22:49,880
Speaker 1: So how do you make the data that the bad

443
00:22:49,920 --> 00:22:53,040
Speaker 1: guys have useless? Well, as far as passwords go, you

444
00:22:53,080 --> 00:22:55,560
Speaker 1: don't use the same passcode twice. You change up your

445
00:22:55,560 --> 00:22:57,840
Speaker 1: passcodes that you've been using for years and years and

446
00:22:57,880 --> 00:23:00,359
Speaker 1: years that are the same that are on the dark way.

447
00:23:00,440 --> 00:23:02,480
Speaker 1: So once you have the passwordvantage, you set that up

448
00:23:02,520 --> 00:23:07,120
Speaker 1: and then two factor authentication. Two factor authentication makes the

449
00:23:07,160 --> 00:23:10,600
Speaker 1: passwords that are out there useless to the thief. Explain

450
00:23:10,680 --> 00:23:13,200
Speaker 1: what that is for folks. Okay, so two factor authentication

451
00:23:13,320 --> 00:23:14,960
Speaker 1: is easy enough. You know, you have your mobile device

452
00:23:14,960 --> 00:23:17,520
Speaker 1: in your possession. You plug in your username, which might

453
00:23:17,520 --> 00:23:19,840
Speaker 1: be an email addressed, You plug in your passcode, and

454
00:23:19,880 --> 00:23:22,160
Speaker 1: then it sends you a text message for a one

455
00:23:22,240 --> 00:23:25,840
Speaker 1: time passcode usually like six to eight digits, and the

456
00:23:25,920 --> 00:23:29,280
Speaker 1: second factor is your mobile device. It's that second factor

457
00:23:29,400 --> 00:23:32,000
Speaker 1: the bad guy would have to have your mobile device

458
00:23:32,160 --> 00:23:34,840
Speaker 1: in their possession in order to get into your account.

459
00:23:35,400 --> 00:23:38,439
Speaker 1: So two factor authentication isn't bulletproof, but it is one

460
00:23:38,480 --> 00:23:40,800
Speaker 1: of the best tools that we have right now to

461
00:23:40,840 --> 00:23:44,359
Speaker 1: prevent the bad guys from accessing your accounts with the

462
00:23:44,480 --> 00:23:46,680
Speaker 1: data that they have at their fingertips that they download

463
00:23:46,720 --> 00:23:47,480
Speaker 1: it from the dark web.

464
00:23:48,080 --> 00:23:50,760
Speaker 2: How is it not bulletproof if you have the phone

465
00:23:50,800 --> 00:23:51,879
Speaker 2: and there's nobody peaking.

466
00:23:52,280 --> 00:23:54,840
Speaker 1: So this is what's called a man in the middle attack.

467
00:23:55,119 --> 00:23:57,240
Speaker 1: A man in the middle attack could be somebody posing

468
00:23:57,320 --> 00:23:59,760
Speaker 1: as say your bank, and they say, hey, you know,

469
00:23:59,840 --> 00:24:02,080
Speaker 1: we at what we had a you know, our service

470
00:24:02,160 --> 00:24:05,440
Speaker 1: went down and we need to actually your account because

471
00:24:05,440 --> 00:24:07,440
Speaker 1: we think it might be compromised. We're going to send

472
00:24:07,440 --> 00:24:10,959
Speaker 1: you a text message with a one time passcode. So

473
00:24:11,000 --> 00:24:13,960
Speaker 1: they're socially engineering you. They're they're they're they're in the middle,

474
00:24:13,960 --> 00:24:16,359
Speaker 1: a man in the middle, and they're they're posing and

475
00:24:16,400 --> 00:24:20,720
Speaker 1: functioning as the bank, but convincing you to give up

476
00:24:20,760 --> 00:24:23,679
Speaker 1: that one time passcode via two factor authentication.

477
00:24:23,800 --> 00:24:25,840
Speaker 2: So yeah, you would never ever they would never ever

478
00:24:25,920 --> 00:24:27,320
Speaker 2: ever ask you to do this ever.

479
00:24:28,160 --> 00:24:32,040
Speaker 1: But look at that's we as human beings trust by default.

480
00:24:32,359 --> 00:24:35,919
Speaker 2: Oh that's your particular theory and that it hasn't it

481
00:24:36,000 --> 00:24:39,919
Speaker 2: had an evolutionary evolutionary value.

482
00:24:40,000 --> 00:24:41,280
Speaker 1: Yeah, man, think about it.

483
00:24:41,359 --> 00:24:44,000
Speaker 2: Maybe that has become obsolete. Maybe maybe in order to

484
00:24:44,040 --> 00:24:46,399
Speaker 2: survive you kind of had to trust each other against

485
00:24:46,440 --> 00:24:48,800
Speaker 2: the other species that we're trying to eat us. Maybe

486
00:24:48,840 --> 00:24:51,080
Speaker 2: that is now an obsolete thing, that trust thing.

487
00:24:51,560 --> 00:24:53,840
Speaker 1: Look at when you come out of your mama, you

488
00:24:53,960 --> 00:24:58,040
Speaker 1: just trust and you go throughout life trusting pretty much

489
00:24:58,480 --> 00:25:01,160
Speaker 1: everybody you meet pretty much, which all the time.

490
00:25:01,280 --> 00:25:05,080
Speaker 2: That's that's another topic. But maybe that's now counterproductive.

491
00:25:05,359 --> 00:25:08,240
Speaker 1: Well it is. I think trust is overrated. We trust

492
00:25:08,280 --> 00:25:12,040
Speaker 1: too much. We give the benefit of the doubt all

493
00:25:12,320 --> 00:25:15,000
Speaker 1: the time every day. And some people say, I don't

494
00:25:15,000 --> 00:25:17,760
Speaker 1: trust anybody? What they do? You do? You do it?

495
00:25:17,800 --> 00:25:20,720
Speaker 1: You do? I mean we have to look at we

496
00:25:20,840 --> 00:25:25,040
Speaker 1: just want to. We need to. Without trust, we would

497
00:25:25,040 --> 00:25:28,800
Speaker 1: fail as a species, we wouldn't procreate, right, but we trust.

498
00:25:29,080 --> 00:25:31,400
Speaker 1: Look at ninety seven percent of all people are really

499
00:25:31,440 --> 00:25:33,040
Speaker 1: good about two How.

500
00:25:33,000 --> 00:25:34,880
Speaker 2: Do you would you arrive at that figure? By the way,

501
00:25:34,960 --> 00:25:35,920
Speaker 2: I think it's closer to.

502
00:25:37,600 --> 00:25:40,880
Speaker 1: Forty. I think it's about ninety seven percent of all

503
00:25:41,040 --> 00:25:45,440
Speaker 1: people a worthy of your trust. But that means two

504
00:25:45,480 --> 00:25:49,600
Speaker 1: to three percent are not. They are sociopaths, psychopaths, and

505
00:25:49,600 --> 00:25:52,320
Speaker 1: hard core narcissists by their nature, and they are not

506
00:25:52,520 --> 00:25:56,439
Speaker 1: worthy of our trust. They don't they don't possess empathy, sympathy, remorse,

507
00:25:56,520 --> 00:25:59,520
Speaker 1: or guilt. Those are the bad guys. Those are the hackers.

508
00:25:59,760 --> 00:26:02,560
Speaker 1: Those look they look at you and I as our

509
00:26:02,680 --> 00:26:06,560
Speaker 1: as their natural prey. Right all right, back to nuts

510
00:26:06,560 --> 00:26:06,960
Speaker 1: and bulls.

511
00:26:07,400 --> 00:26:09,399
Speaker 2: Sometimes you could ask, hey, do you want us to

512
00:26:09,520 --> 00:26:11,800
Speaker 2: generate a password for you, or do you want to

513
00:26:11,800 --> 00:26:13,520
Speaker 2: make up your own. I always make up my own

514
00:26:13,520 --> 00:26:17,080
Speaker 2: because I figure if they somebody made it up, then somebody,

515
00:26:17,160 --> 00:26:19,960
Speaker 2: some machine knows it and can't I can't trust that machine.

516
00:26:20,080 --> 00:26:22,280
Speaker 1: Yeah, So I have access to tools. We all have

517
00:26:22,359 --> 00:26:25,600
Speaker 1: access to tools that can search out compromise passcodes. So

518
00:26:25,640 --> 00:26:27,680
Speaker 1: like I, I like on my website protect now LLC

519
00:26:27,800 --> 00:26:29,800
Speaker 1: dot com. If you scroll down in the first page

520
00:26:29,840 --> 00:26:32,200
Speaker 1: of search, you could plug in email addresses, and you

521
00:26:32,200 --> 00:26:36,119
Speaker 1: could plug in passwords and search basically fifteen billion records

522
00:26:36,119 --> 00:26:38,680
Speaker 1: that you have access to on my website that let

523
00:26:38,720 --> 00:26:41,840
Speaker 1: you see if any passcodes or email addresses have been

524
00:26:41,840 --> 00:26:44,720
Speaker 1: part of any specific data breaches, right, And you could

525
00:26:44,720 --> 00:26:48,000
Speaker 1: take like the word password and plug that in.

526
00:26:48,080 --> 00:26:51,679
Speaker 2: Probably like one hundred one billion people, like one hundred.

527
00:26:51,400 --> 00:26:58,359
Speaker 1: And twenty million people using password as a password. You know, uh, one, two, three, four, five, six, seven, eight,

528
00:26:58,480 --> 00:27:01,160
Speaker 1: Like you know sixty six million people using one through

529
00:27:01,200 --> 00:27:03,320
Speaker 1: eight as a passcode and so on. But if you

530
00:27:03,400 --> 00:27:06,760
Speaker 1: take any passcode from a password manager that's generated from

531
00:27:06,760 --> 00:27:11,280
Speaker 1: a passport board manager, plug that into the tool. Ah zero,

532
00:27:11,600 --> 00:27:15,360
Speaker 1: I'm good to know zero, Okay, Yeah, because the password

533
00:27:15,359 --> 00:27:18,040
Speaker 1: managers they know what they're doing. It's like ten fifteen

534
00:27:18,320 --> 00:27:21,880
Speaker 1: upper case lower case numbers, characters. It's just it's undecipherable.

535
00:27:22,040 --> 00:27:25,000
Speaker 2: Okay, this doctor Rick and Bill Rica, thanks for calling

536
00:27:25,080 --> 00:27:26,920
Speaker 2: six months, seven, two, five, four, ten thirty.

537
00:27:27,000 --> 00:27:28,359
Speaker 1: Rick, you're on busy.

538
00:27:29,200 --> 00:27:32,159
Speaker 3: All right, Thanks guys, I really appreciate. I'm going to

539
00:27:32,240 --> 00:27:37,560
Speaker 3: try to organize my thoughts and say it quickly. Bradley,

540
00:27:37,240 --> 00:27:40,760
Speaker 3: Happy Thanksgiving. And Robert two and I heard you guys

541
00:27:40,880 --> 00:27:42,439
Speaker 3: driving and I said, my god, I got to tell

542
00:27:42,480 --> 00:27:44,240
Speaker 3: him most So I have this whole pallet us to

543
00:27:44,240 --> 00:27:47,040
Speaker 3: work with. He was my manager. He's retired now, he's

544
00:27:47,080 --> 00:27:51,159
Speaker 3: seventy five. And I recently saw him and he was

545
00:27:51,200 --> 00:27:53,520
Speaker 3: telling me how he was making money in the stock

546
00:27:53,640 --> 00:27:57,240
Speaker 3: market through e trade and he shows me this beautiful

547
00:27:57,440 --> 00:28:00,440
Speaker 3: Singapore girl or something, and he goes, yes, she's she's

548
00:28:00,520 --> 00:28:03,080
Speaker 3: explaining and she's helping me to make a lot of

549
00:28:03,160 --> 00:28:07,200
Speaker 3: profit off it. And I said, all right, that's cool.

550
00:28:07,240 --> 00:28:13,200
Speaker 3: And so I recently called them to talk with them,

551
00:28:13,200 --> 00:28:17,760
Speaker 3: and he tells me I'm doing okay. You know. I

552
00:28:17,880 --> 00:28:22,439
Speaker 3: was just getting an update from him and well, actually

553
00:28:22,440 --> 00:28:25,800
Speaker 3: he said, yeah, I had a cancer scare and being

554
00:28:25,800 --> 00:28:28,480
Speaker 3: treated for it. But I made two hundred and forty

555
00:28:28,520 --> 00:28:32,800
Speaker 3: thousand dollars profit this summer. What do you think of that?

556
00:28:32,960 --> 00:28:36,719
Speaker 3: And I said, two hundred and forty thousand dollars? How

557
00:28:37,200 --> 00:28:39,080
Speaker 3: did you make that? He said, well, I make these

558
00:28:39,120 --> 00:28:44,920
Speaker 3: deposits to this girl who invests the money through E trade,

559
00:28:45,720 --> 00:28:48,880
Speaker 3: and I get the money and I can take it out.

560
00:28:48,880 --> 00:28:50,600
Speaker 3: And I said, well, you got to pay capital games.

561
00:28:50,600 --> 00:28:53,280
Speaker 3: He didn't even know what Capitol Games was, and I said,

562
00:28:53,280 --> 00:28:55,200
Speaker 3: you're going to have to pay taxes. But it was

563
00:28:55,240 --> 00:28:57,360
Speaker 3: good to know that it was E trade and not

564
00:28:57,720 --> 00:29:00,200
Speaker 3: I didn't know what it was, what country it was,

565
00:29:00,320 --> 00:29:02,880
Speaker 3: if it was a cyber so we said it was

566
00:29:02,880 --> 00:29:05,880
Speaker 3: E trade and so I was thinking of maybe doing

567
00:29:05,920 --> 00:29:10,360
Speaker 3: some of these deposits. Thatsader's two hundred. My friend I

568
00:29:10,400 --> 00:29:13,320
Speaker 3: won't say his name, but my friend put he like

569
00:29:13,320 --> 00:29:15,360
Speaker 3: invested one hundred thousand dollars to.

570
00:29:15,320 --> 00:29:19,200
Speaker 2: Make up let us know, you know, cut to the

571
00:29:19,280 --> 00:29:22,400
Speaker 2: chase and how did it turn out? Did you invest?

572
00:29:22,440 --> 00:29:24,480
Speaker 1: Anny? No? I did not.

573
00:29:25,840 --> 00:29:28,040
Speaker 3: I'm sorry, I'm beating around the bush, but but but

574
00:29:28,160 --> 00:29:31,640
Speaker 3: the chase is just is he being scammed?

575
00:29:32,280 --> 00:29:33,400
Speaker 1: All right, let's worry.

576
00:29:33,160 --> 00:29:35,040
Speaker 2: About I appreciate the call.

577
00:29:35,120 --> 00:29:35,840
Speaker 1: That was a great call.

578
00:29:36,120 --> 00:29:38,040
Speaker 3: Robert, I'm sorry, Yeah, Robert, this this to.

579
00:29:38,120 --> 00:29:41,360
Speaker 2: You, perfect call Rick, Okay, right up to the mic.

580
00:29:41,400 --> 00:29:44,360
Speaker 1: The likelihood of making two hundred and forty grand over

581
00:29:44,400 --> 00:29:46,160
Speaker 1: the course of a summer for some girl you met

582
00:29:46,160 --> 00:29:48,560
Speaker 1: on e trade is probably slim to none.

583
00:29:48,800 --> 00:29:50,720
Speaker 2: It's just somebody that said they're on the trade.

584
00:29:50,800 --> 00:29:53,760
Speaker 1: Yeah, And you can easily create an e trade looking

585
00:29:53,800 --> 00:29:59,240
Speaker 1: website with a basic web management software web developing software,

586
00:29:59,640 --> 00:30:03,200
Speaker 1: you know, AI tools will create a live looking ticker

587
00:30:03,800 --> 00:30:06,240
Speaker 1: that looks like it's coming from e trade and like

588
00:30:06,400 --> 00:30:09,480
Speaker 1: everything is at the bad guy's fingertips to make the

589
00:30:09,560 --> 00:30:13,720
Speaker 1: scam as rare as possible. So the only people that

590
00:30:13,760 --> 00:30:16,720
Speaker 1: you should be engaging with in regards to any legit

591
00:30:16,840 --> 00:30:21,480
Speaker 1: trades are your financial service professionals, like real legit financial

592
00:30:21,520 --> 00:30:24,760
Speaker 1: service professionals. Yeah, because you either set up an e

593
00:30:24,840 --> 00:30:27,920
Speaker 1: trade account with e trade, you meet with e trade,

594
00:30:28,000 --> 00:30:30,160
Speaker 1: like you sit down with e trade. It's you know,

595
00:30:30,200 --> 00:30:32,560
Speaker 1: brick and mortar buildings that you're sitting down with like

596
00:30:32,680 --> 00:30:36,640
Speaker 1: legit people. That's the only investments that you should be making.

597
00:30:36,760 --> 00:30:39,200
Speaker 1: If you're not because some woman contacted you with the

598
00:30:39,200 --> 00:30:40,760
Speaker 1: wrong number of text message ever.

599
00:30:41,760 --> 00:30:46,160
Speaker 2: Yeah, Oh so, okay, many of us will say, that's obvious.

600
00:30:46,400 --> 00:30:50,560
Speaker 2: How many people you know in a hundred would make

601
00:30:50,600 --> 00:30:52,600
Speaker 2: the mistake of getting falling for that?

602
00:30:52,800 --> 00:30:57,520
Speaker 1: The problem is too many? How many? Park I would

603
00:30:57,600 --> 00:31:01,240
Speaker 1: say probably about ten percent? Okay, yeah, yeah, look at it,

604
00:31:01,880 --> 00:31:05,000
Speaker 1: because like you know, we we we're just gullible and vulnerable.

605
00:31:05,000 --> 00:31:07,640
Speaker 1: But that doesn't make us dumb, It doesn't make us stupid.

606
00:31:07,680 --> 00:31:10,400
Speaker 1: It just makes us normal. Like we just want to

607
00:31:11,160 --> 00:31:12,160
Speaker 1: trust others.

608
00:31:12,600 --> 00:31:14,959
Speaker 2: Okay, we're gonna break. But when it comes to trust,

609
00:31:16,040 --> 00:31:19,480
Speaker 2: perhaps in person, maybe these days, in person trust and

610
00:31:19,560 --> 00:31:22,200
Speaker 2: maybe the default if you can't see their online, the

611
00:31:22,240 --> 00:31:23,760
Speaker 2: default might be don't trust.

612
00:31:24,440 --> 00:31:28,880
Speaker 1: Is WBZ you're on Night Side with Dan Ray. I'm

613
00:31:29,080 --> 00:31:31,240
Speaker 1: WBZ Boston's news Radio.

614
00:31:31,640 --> 00:31:34,800
Speaker 2: Bradley Jay Vidan tonight and we're with Robert Csile. I'm

615
00:31:34,840 --> 00:31:38,520
Speaker 2: trying to save you from having your identity stolen and

616
00:31:38,560 --> 00:31:41,200
Speaker 2: your money stolen. And we have quite a short time

617
00:31:41,200 --> 00:31:44,560
Speaker 2: to burn through a few important things. And Angelo and

618
00:31:44,600 --> 00:31:46,920
Speaker 2: Newton we're gonna get to you as well. But I

619
00:31:46,960 --> 00:31:51,960
Speaker 2: need to address this urgency. Always a red flag. Anything

620
00:31:52,240 --> 00:31:57,280
Speaker 2: anybody contacting you in any way trying to convince you

621
00:31:57,320 --> 00:32:01,000
Speaker 2: to do something quickly, must do now, is a red flag.

622
00:32:01,000 --> 00:32:06,360
Speaker 1: Correct especially when the voice is like your your loved ones,

623
00:32:06,720 --> 00:32:10,040
Speaker 1: often a female in the background screaming for help. Right

624
00:32:10,080 --> 00:32:12,560
Speaker 1: you hear her voice in the background screaming for help.

625
00:32:12,840 --> 00:32:16,120
Speaker 1: That happen actually happens, oh all the time. Yeah, even

626
00:32:16,160 --> 00:32:18,600
Speaker 1: if you don't hear that. Though, if somebody says contact

627
00:32:18,640 --> 00:32:22,400
Speaker 1: us immediately. For example, you were mentioning someone who uh

628
00:32:22,960 --> 00:32:27,640
Speaker 1: got an Apple message from Apple, contact us right away.

629
00:32:27,880 --> 00:32:30,480
Speaker 1: My dad gotta pop up on his computer that had

630
00:32:30,480 --> 00:32:33,400
Speaker 1: the Apple logo with the Apple phone with a phone number,

631
00:32:33,720 --> 00:32:36,280
Speaker 1: saying it's Apple. There's a problem the computer. Call us.

632
00:32:36,640 --> 00:32:40,040
Speaker 1: And he called the number, and and he's a smart guy.

633
00:32:40,360 --> 00:32:43,120
Speaker 2: You know, he's a you know what makes me worry

634
00:32:43,120 --> 00:32:45,480
Speaker 2: about me? I think I'm a smart guy. But well,

635
00:32:45,600 --> 00:32:48,520
Speaker 2: just people who think they're smart guys get get fooled.

636
00:32:48,640 --> 00:32:51,680
Speaker 1: It's because we trust by default. But what do we

637
00:32:51,720 --> 00:32:54,840
Speaker 1: trust have that going forward? We trust Apple, we trust

638
00:32:54,880 --> 00:32:57,120
Speaker 1: e Trade, we trust fidelity, we.

639
00:32:57,160 --> 00:33:01,160
Speaker 2: Trust familiar websites. Of course, we do whatever you do.

640
00:33:01,320 --> 00:33:04,000
Speaker 2: Just because a website looks familiar, Like if it looks

641
00:33:04,040 --> 00:33:07,400
Speaker 2: like your bank website, it doesn't mean it is. It

642
00:33:07,480 --> 00:33:08,200
Speaker 2: might not be.

643
00:33:08,280 --> 00:33:09,840
Speaker 1: I would say, the majority of the people that are

644
00:33:09,840 --> 00:33:14,960
Speaker 1: listening to the show. Grew up trusting the written word. First, Okay,

645
00:33:15,680 --> 00:33:19,120
Speaker 1: Wall Street Journal, New York Times, Time Magazine. You trusted

646
00:33:19,240 --> 00:33:21,840
Speaker 1: the written world, the written word, and then radio you

647
00:33:21,880 --> 00:33:24,440
Speaker 1: trust what you hear in the radio. Television you trust

648
00:33:24,440 --> 00:33:27,240
Speaker 1: what you see on television. So Internet, it's a form

649
00:33:27,280 --> 00:33:29,400
Speaker 1: of media. We trust what we see in the Internet

650
00:33:29,520 --> 00:33:33,560
Speaker 1: via email, text messages. We trust all these inbound communications,

651
00:33:33,560 --> 00:33:35,720
Speaker 1: and we have been doing it for all of our lives.

652
00:33:35,880 --> 00:33:38,479
Speaker 1: You can't just by default do that any longer.

653
00:33:38,560 --> 00:33:41,840
Speaker 2: Should you use a VP and a virtual private network,

654
00:33:41,880 --> 00:33:45,280
Speaker 2: you recommend it, explain what it is quickly and briefly,

655
00:33:45,320 --> 00:33:48,840
Speaker 2: I should say, not necessarily quickly. What's a VPN? When

656
00:33:48,840 --> 00:33:50,520
Speaker 2: would you use it? When would it be legit?

657
00:33:50,680 --> 00:33:53,520
Speaker 1: So just google VPN virtual Private network the software you're

658
00:33:53,520 --> 00:33:55,920
Speaker 1: downloading your mobile phone and or your laptop. So when

659
00:33:55,920 --> 00:33:58,400
Speaker 1: you're at the airport the hotel and you're on free

660
00:33:58,480 --> 00:34:02,200
Speaker 1: Wi Fi, the VPN encrypt your data on that open

661
00:34:02,240 --> 00:34:05,320
Speaker 1: free Wi Fi on a on an encrypted tunnel, preventing

662
00:34:05,360 --> 00:34:07,920
Speaker 1: bad guys from seeing your information on free open Wi Fi.

663
00:34:08,080 --> 00:34:10,200
Speaker 2: If you're a person who used has to use Wi

664
00:34:10,200 --> 00:34:13,080
Speaker 2: Fi at the airport, don't use the public Wi Fi,

665
00:34:13,360 --> 00:34:17,960
Speaker 2: especially for financial transactions. Look into virtual private network. A

666
00:34:18,000 --> 00:34:20,160
Speaker 2: lot of them have a monthly fee, and they can

667
00:34:20,239 --> 00:34:22,799
Speaker 2: slow your computer down. But unless you're streaming, you know

668
00:34:23,080 --> 00:34:25,480
Speaker 2: it will be as you explained to me earlier, it

669
00:34:25,520 --> 00:34:28,720
Speaker 2: will be faster than what's no, it will be faster

670
00:34:28,800 --> 00:34:31,279
Speaker 2: than your cell service at the airport because a lot

671
00:34:31,280 --> 00:34:34,560
Speaker 2: of times that slows down, but it will be safe.

672
00:34:34,560 --> 00:34:36,840
Speaker 2: It won't be maybe as fast as the airport, but

673
00:34:37,080 --> 00:34:40,640
Speaker 2: it will be safe VPN check it out. What about

674
00:34:40,880 --> 00:34:44,960
Speaker 2: speaking of the airport, I heard a rumor that it's

675
00:34:45,120 --> 00:34:49,840
Speaker 2: bad idea to plug in to their phone charges juicing.

676
00:34:49,920 --> 00:34:53,280
Speaker 1: What is that? That's called juice jashu jackie where the

677
00:34:53,320 --> 00:34:56,920
Speaker 1: actual outlet is compromised, and so once you plug ins,

678
00:34:57,160 --> 00:35:00,840
Speaker 1: it's it basically downloads your data off through the wire

679
00:35:01,200 --> 00:35:04,200
Speaker 1: from your device. Look At that's a that is a scam.

680
00:35:04,320 --> 00:35:06,320
Speaker 1: That is a that is out there. I'm not worried

681
00:35:06,360 --> 00:35:10,600
Speaker 1: about it. It's look at certain scams are probable and

682
00:35:10,800 --> 00:35:13,719
Speaker 1: possible and out there and discovered. But that doesn't mean

683
00:35:13,719 --> 00:35:15,360
Speaker 1: that you shouldn't plug in in judge.

684
00:35:15,239 --> 00:35:17,800
Speaker 2: Especially if you need your phone charts. I'm gonna whip

685
00:35:17,800 --> 00:35:19,680
Speaker 2: through this thing that happened to a friend of mine.

686
00:35:20,360 --> 00:35:22,759
Speaker 2: Just so you're aware that it can happen. And this

687
00:35:22,880 --> 00:35:24,920
Speaker 2: was an in person thing, it wasn't online.

688
00:35:25,680 --> 00:35:25,799
Speaker 1: Uh.

689
00:35:26,760 --> 00:35:29,080
Speaker 2: I know a person whose friend went to it an

690
00:35:29,120 --> 00:35:32,160
Speaker 2: ATM comes away from the ATM. Man comes up to

691
00:35:32,200 --> 00:35:34,799
Speaker 2: her says, oh, you forget ten bucks. You left ten

692
00:35:34,840 --> 00:35:38,040
Speaker 2: bucks at the ATM. And and by the way, your

693
00:35:38,120 --> 00:35:40,359
Speaker 2: your your window is still open, your kind still open.

694
00:35:40,400 --> 00:35:44,400
Speaker 2: You gotta go close it. So she goes over to it,

695
00:35:44,440 --> 00:35:47,960
Speaker 2: to the ATM machine and tries to like figure out

696
00:35:47,960 --> 00:35:50,399
Speaker 2: what he's talking about. And he goes, no, no, no,

697
00:35:50,480 --> 00:35:51,400
Speaker 2: just I'll do it for you.

698
00:35:52,520 --> 00:35:53,600
Speaker 1: And he took her card.

699
00:35:53,600 --> 00:35:56,960
Speaker 2: He does something he did a little slight of hand

700
00:35:57,960 --> 00:36:01,400
Speaker 2: did and gave her back different card that looked the

701
00:36:01,440 --> 00:36:05,440
Speaker 2: same in the same bank. Then took it to a

702
00:36:06,360 --> 00:36:11,879
Speaker 2: it took it in person two banks to withdraw three

703
00:36:11,880 --> 00:36:16,759
Speaker 2: different banks under a certain amount and cleaned out, you.

704
00:36:16,719 --> 00:36:19,040
Speaker 1: Know, double digit thousands of bucks.

705
00:36:19,160 --> 00:36:26,080
Speaker 2: Ye, So again default trust default, no trust. Now we

706
00:36:26,120 --> 00:36:29,359
Speaker 2: go to alec Angelo and Newton, perfect timing, Angela, what's

707
00:36:29,400 --> 00:36:32,719
Speaker 2: going on here on WBZ with Robert Ciciliano and.

708
00:36:32,719 --> 00:36:34,680
Speaker 4: I you doing, Bradley, thank you for taking my call,

709
00:36:34,760 --> 00:36:37,520
Speaker 4: and rob It I got a question to ask you.

710
00:36:38,200 --> 00:36:41,960
Speaker 4: I have been hacked nine times and I had a

711
00:36:42,000 --> 00:36:46,560
Speaker 4: person called me and was reading all my identification to

712
00:36:46,640 --> 00:36:50,600
Speaker 4: me in my credit cards that one that even activated. Ye,

713
00:36:50,719 --> 00:36:51,640
Speaker 4: how do they do that?

714
00:36:52,920 --> 00:36:56,760
Speaker 1: So chances are they've got access to various accounts because

715
00:36:56,800 --> 00:36:59,120
Speaker 1: you might be using the same pass quote across multiple accounts.

716
00:36:59,120 --> 00:37:01,520
Speaker 1: That's usually has to like that happens. And if they're

717
00:37:01,520 --> 00:37:04,359
Speaker 1: inside your email, they can see everything, right, So it's

718
00:37:04,360 --> 00:37:06,400
Speaker 1: important to change up your passcodes and set up two

719
00:37:06,440 --> 00:37:09,600
Speaker 1: factor authentication to lock them out, and make sure that

720
00:37:09,640 --> 00:37:12,480
Speaker 1: you have a credit freeze so that your socialist credit

721
00:37:12,600 --> 00:37:16,360
Speaker 1: number is also protected. The majority of the hacks that

722
00:37:16,400 --> 00:37:19,120
Speaker 1: I hear about our as a result of poor password

723
00:37:19,160 --> 00:37:23,240
Speaker 1: management and unprotected identities. And once you do these basic

724
00:37:23,320 --> 00:37:25,719
Speaker 1: things that you become a tougher target and the bad

725
00:37:25,760 --> 00:37:27,279
Speaker 1: guy is going to lay off you. They're going to

726
00:37:27,320 --> 00:37:28,080
Speaker 1: find somebody else.

727
00:37:29,120 --> 00:37:31,919
Speaker 2: That's a good That's a perfect place to stop because

728
00:37:31,920 --> 00:37:33,919
Speaker 2: I'm so we're so short a time, you know, after

729
00:37:34,040 --> 00:37:36,680
Speaker 2: thank you Angela, you know have to go in through

730
00:37:36,719 --> 00:37:39,640
Speaker 2: this hour. It almost seems like the folks that I

731
00:37:39,719 --> 00:37:42,520
Speaker 2: used to try to convince get a computer, you know,

732
00:37:42,560 --> 00:37:45,600
Speaker 2: the folks listening to me now without computers, I would

733
00:37:45,640 --> 00:37:46,439
Speaker 2: try to convince them.

734
00:37:46,360 --> 00:37:49,200
Speaker 1: You get a computer, you gotta get online. You're missing out.

735
00:37:49,800 --> 00:37:52,920
Speaker 2: I feel like, whoa, maybe they're right all along to

736
00:37:53,000 --> 00:37:55,960
Speaker 2: be you know, offline. I know there's certain things that

737
00:37:56,120 --> 00:37:58,439
Speaker 2: just can't do, and even there will be soon more

738
00:37:58,440 --> 00:38:01,840
Speaker 2: than you just can't do. But it's staying safe is

739
00:38:01,920 --> 00:38:02,719
Speaker 2: kind of exhausting.

740
00:38:03,120 --> 00:38:06,319
Speaker 1: OK a minute, Yeah it can be, but listen, it's

741
00:38:06,320 --> 00:38:09,400
Speaker 1: not about first of all, don't worry about any of

742
00:38:09,440 --> 00:38:11,719
Speaker 1: this stuff. Just do something about it. It's like anything else.

743
00:38:11,760 --> 00:38:14,560
Speaker 1: You know, you you you learn basic you know, risk

744
00:38:14,640 --> 00:38:17,960
Speaker 1: reduction strategies. You're gonna be online pretty much for the

745
00:38:17,960 --> 00:38:20,040
Speaker 1: rest of your life. So you do these basic things.

746
00:38:20,040 --> 00:38:20,920
Speaker 2: It's just gotta do it.

747
00:38:20,920 --> 00:38:23,200
Speaker 1: You become a tougher target. It's like anything else. It's

748
00:38:23,239 --> 00:38:25,640
Speaker 1: worth the effort. Right, you gotta go to the doctor.

749
00:38:25,680 --> 00:38:26,919
Speaker 1: You gotta do this stuff. Yeah.

750
00:38:27,320 --> 00:38:30,880
Speaker 2: Right, We had a wonderful hour everyone. You should probably

751
00:38:30,920 --> 00:38:34,040
Speaker 2: share this if you want to get this podcast. But

752
00:38:34,200 --> 00:38:37,160
Speaker 2: tomorrow go to night Side on demand and you can

753
00:38:37,200 --> 00:38:40,040
Speaker 2: get this podcast shareable link and everything and you can

754
00:38:40,040 --> 00:38:42,600
Speaker 2: do the same. Robert Ciciliano, thank you so much for coming.

755
00:38:42,640 --> 00:38:45,440
Speaker 2: And this is a great, great hour, Thank you, Yeah.

756
00:38:45,239 --> 00:38:48,520
Speaker 1: And see me online to protect now LLC dot com

757
00:38:48,520 --> 00:38:51,920
Speaker 1: perfect Now This on night Side on WBZ