1 00:00:00,640 --> 00:00:00,960 Speaker 1: Hello. 2 00:00:01,520 --> 00:00:05,000 Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the 3 00:00:05,120 --> 00:00:08,720 Speaker 2: Order KERNI Whoalbury and a waddery woman. And before we 4 00:00:08,800 --> 00:00:11,440 Speaker 2: get started on She's on the Money podcast, I would 5 00:00:11,480 --> 00:00:14,480 Speaker 2: like to acknowledge the traditional custodians of the land of 6 00:00:14,520 --> 00:00:18,640 Speaker 2: which this podcast is recorded on a wondery country, acknowledging 7 00:00:18,680 --> 00:00:22,560 Speaker 2: the elders, the ancestors and the next generation coming through 8 00:00:23,040 --> 00:00:27,120 Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and 9 00:00:27,200 --> 00:00:30,560 Speaker 2: the storytelling of you to make a difference for today 10 00:00:31,040 --> 00:00:32,599 Speaker 2: and lasting impact for tomorrow. 11 00:00:33,280 --> 00:00:34,080 Speaker 1: Let's get into it. 12 00:00:34,760 --> 00:00:54,040 Speaker 3: She's on the Money, She's on the Money. 13 00:00:57,840 --> 00:01:02,040 Speaker 4: Hello, and welcome to Money the Podcast Millennials who want 14 00:01:02,080 --> 00:01:03,200 Speaker 4: Financial Freedom. 15 00:01:03,600 --> 00:01:05,240 Speaker 5: My name is Jessica Ricky and. 16 00:01:05,200 --> 00:01:08,440 Speaker 4: Today I have a finance Queen, a Victoria Devine. 17 00:01:09,280 --> 00:01:10,080 Speaker 1: I have a juice box. 18 00:01:10,160 --> 00:01:13,640 Speaker 4: Jess I'm very excited about this, and I think everybody 19 00:01:13,640 --> 00:01:15,600 Speaker 4: else should know that I have a juice box. 20 00:01:15,760 --> 00:01:18,360 Speaker 5: I'm sure everybody else is thrilled to hear that. No 21 00:01:18,440 --> 00:01:18,880 Speaker 5: one cares. 22 00:01:19,040 --> 00:01:21,880 Speaker 4: Everybody who just listened to this because they were like, 23 00:01:21,920 --> 00:01:23,560 Speaker 4: you know what, Oh my gosh, I've never listened to 24 00:01:23,600 --> 00:01:26,000 Speaker 4: Sheese on the Money before. They would really liked to 25 00:01:26,040 --> 00:01:28,039 Speaker 4: know how to protect my financial data. 26 00:01:28,440 --> 00:01:31,400 Speaker 5: They're just thinking, this is not what I signed up for. 27 00:01:31,640 --> 00:01:34,480 Speaker 4: So strap yourselves in because the entire episode is not 28 00:01:34,520 --> 00:01:36,319 Speaker 4: what you signed up for. But what we will do 29 00:01:36,400 --> 00:01:38,600 Speaker 4: today is talk to you about how to protect your 30 00:01:38,640 --> 00:01:41,360 Speaker 4: financial data. And I mean this has come out because 31 00:01:41,480 --> 00:01:46,280 Speaker 4: Optors recently, and even more recently than that, Wilworths and Telstra, 32 00:01:46,600 --> 00:01:49,640 Speaker 4: just to name a few, have had massive data breaches 33 00:01:49,960 --> 00:01:52,280 Speaker 4: and we thought it was really important more than ever 34 00:01:52,440 --> 00:01:54,480 Speaker 4: to actually have a chat about this and bring it 35 00:01:54,520 --> 00:01:56,960 Speaker 4: to the show. It is as always a very good 36 00:01:57,040 --> 00:01:59,120 Speaker 4: reminder that we need to be on guard with our 37 00:01:59,160 --> 00:02:02,200 Speaker 4: personal information, and too often we just freely give it 38 00:02:02,240 --> 00:02:04,000 Speaker 4: away or don't protect it in a way that we 39 00:02:04,080 --> 00:02:07,080 Speaker 4: absolutely should. We are always saying Jess that we really 40 00:02:07,080 --> 00:02:09,320 Speaker 4: need to protect your credit score and your bank and 41 00:02:09,360 --> 00:02:11,919 Speaker 4: your superstatements and never give out your TFN and all 42 00:02:12,000 --> 00:02:12,920 Speaker 4: of that information. 43 00:02:13,120 --> 00:02:13,840 Speaker 1: But today we. 44 00:02:13,800 --> 00:02:16,240 Speaker 4: Are going to give you some more practical advice and 45 00:02:16,320 --> 00:02:18,600 Speaker 4: actions to make sure that you're doing what you can 46 00:02:18,680 --> 00:02:21,440 Speaker 4: to protect your precious data online. And we're going to 47 00:02:21,440 --> 00:02:25,239 Speaker 4: be talking about how to actually identify scams and also 48 00:02:25,360 --> 00:02:27,120 Speaker 4: what to do if you think that your data or 49 00:02:27,280 --> 00:02:30,600 Speaker 4: identity has actually been stolen and recently, Jess, I know 50 00:02:30,720 --> 00:02:32,880 Speaker 4: you haven't listened to them yet, but we have a 51 00:02:32,880 --> 00:02:36,000 Speaker 4: few money diaries coming up where people have literally had 52 00:02:36,040 --> 00:02:39,320 Speaker 4: their identity stolen and used to sign up for financial 53 00:02:39,320 --> 00:02:40,320 Speaker 4: services products. 54 00:02:40,600 --> 00:02:42,640 Speaker 1: It's unfortunately common. 55 00:02:42,800 --> 00:02:44,920 Speaker 4: It's so scary to think about, and for anyone who's 56 00:02:45,040 --> 00:02:47,280 Speaker 4: not up to speed, just a little quick recap on 57 00:02:47,320 --> 00:02:50,040 Speaker 4: the recent events. On the twenty second of September twenty 58 00:02:50,080 --> 00:02:52,720 Speaker 4: twenty two, Optus was the victim of a cyber attack 59 00:02:52,800 --> 00:02:56,119 Speaker 4: that resulted in the disclosure of heaps of customers personal information, 60 00:02:56,520 --> 00:02:57,680 Speaker 4: including mine. 61 00:02:58,880 --> 00:03:00,799 Speaker 1: But it was really stressful in your first. 62 00:03:00,639 --> 00:03:02,560 Speaker 4: Right, like if you were calling them up asking them 63 00:03:02,560 --> 00:03:05,800 Speaker 4: what information that they had. And I mean, luckily for you, 64 00:03:06,080 --> 00:03:08,639 Speaker 4: some of that information was like outdated. They had your 65 00:03:08,680 --> 00:03:11,440 Speaker 4: old passports, so that wasn't going to work for anybody. Yes, 66 00:03:11,520 --> 00:03:13,800 Speaker 4: but what if you just got your new passport and 67 00:03:13,800 --> 00:03:15,720 Speaker 4: then just applied for a new phone, Like it's a 68 00:03:15,720 --> 00:03:18,560 Speaker 4: fickle position to be in. Yeah, the information just closed 69 00:03:18,760 --> 00:03:21,200 Speaker 4: varied person to person, but it could have included people's names, 70 00:03:21,280 --> 00:03:26,480 Speaker 4: date of births, emails, drivers, licenses, medicare cards, passports, all 71 00:03:26,560 --> 00:03:28,639 Speaker 4: kinds of things. That they might have had on file, 72 00:03:28,760 --> 00:03:31,720 Speaker 4: and Oftter said that they have contacted all current and 73 00:03:31,760 --> 00:03:35,200 Speaker 4: former customers that were affected, and the Australian Federal Police 74 00:03:35,200 --> 00:03:38,040 Speaker 4: are also investigating, and it's kind of an ongoing thing 75 00:03:38,120 --> 00:03:40,760 Speaker 4: at the time that we're recording this. My favorite part 76 00:03:40,800 --> 00:03:43,200 Speaker 4: about that, though, Jess, in light of your next point 77 00:03:43,200 --> 00:03:45,120 Speaker 4: that you're about to make, is people were jumping up 78 00:03:45,120 --> 00:03:47,120 Speaker 4: and down. They're like, oh my gosh, hahaha, that's what 79 00:03:47,160 --> 00:03:49,880 Speaker 4: you get. I'm with Telstra. Then what happened, Oh wow. 80 00:03:50,080 --> 00:03:53,320 Speaker 4: A few weeks later, Telstra had a smaller scale cyber 81 00:03:53,360 --> 00:03:56,800 Speaker 4: attack which also exposed information of current and former employees. 82 00:03:56,840 --> 00:03:57,839 Speaker 5: So we shouldn't laugh. 83 00:03:57,840 --> 00:03:59,920 Speaker 4: It isn't actually funny, but I just think that I 84 00:04:00,120 --> 00:04:03,280 Speaker 4: had so many people message me being like, oh my gosh, 85 00:04:03,560 --> 00:04:06,560 Speaker 4: lucky I'm with tels draw. This never would happen with telsdred. 86 00:04:06,560 --> 00:04:09,560 Speaker 4: It's something that you cannot avoid, you honestly can't. It's 87 00:04:09,640 --> 00:04:12,440 Speaker 4: really hard and it really goes to show how important 88 00:04:12,520 --> 00:04:14,760 Speaker 4: it is to take steps to protect yourself because it 89 00:04:14,760 --> 00:04:17,279 Speaker 4: seems like every week there are more and more breaches 90 00:04:17,320 --> 00:04:20,880 Speaker 4: from all different companies. That's been Medibank and all these 91 00:04:20,920 --> 00:04:23,320 Speaker 4: other places coming out recently, and I think as we 92 00:04:23,360 --> 00:04:25,760 Speaker 4: move further into the digital age, it's something that is 93 00:04:25,839 --> 00:04:28,440 Speaker 4: only going to continue to happen and we need to 94 00:04:28,520 --> 00:04:31,680 Speaker 4: update things. And in response to that Optis breach, the 95 00:04:31,720 --> 00:04:35,240 Speaker 4: government actually nominated the a Triple Sees scam Watch as 96 00:04:35,279 --> 00:04:38,120 Speaker 4: the first point of contact for information about what customers 97 00:04:38,120 --> 00:04:42,000 Speaker 4: can actually do to protect their information, especially online. And 98 00:04:42,080 --> 00:04:44,960 Speaker 4: scam Watch also has information about the current scams that 99 00:04:45,000 --> 00:04:48,359 Speaker 4: are referencing the Optus breach and we really really really 100 00:04:48,400 --> 00:04:51,640 Speaker 4: recommend you check it out as a resource. Obviously, I'll 101 00:04:51,640 --> 00:04:53,880 Speaker 4: put the links in the show notes for today. Let's 102 00:04:53,880 --> 00:04:56,640 Speaker 4: start at the top. How common are cases of fraud 103 00:04:56,760 --> 00:05:01,880 Speaker 4: in Australia. Unfortunately scary so the Australian Bureau of Statistics 104 00:05:02,000 --> 00:05:04,800 Speaker 4: or the ABS. If you just say ABS, like we 105 00:05:04,839 --> 00:05:07,039 Speaker 4: don't have those here at she's on the money, But 106 00:05:07,080 --> 00:05:09,599 Speaker 4: we do have the ABS, so strap yourself in. The 107 00:05:09,760 --> 00:05:14,279 Speaker 4: scary stats are two point one million Australians, so eleven 108 00:05:14,320 --> 00:05:18,040 Speaker 4: percent of Australians have experienced one or more types of 109 00:05:18,080 --> 00:05:21,440 Speaker 4: personal fraud in twenty twenty to twenty twenty one, not 110 00:05:21,520 --> 00:05:24,200 Speaker 4: across the board, just in the one year WOW and 111 00:05:24,360 --> 00:05:27,479 Speaker 4: the results showed an increase in the rate of personal 112 00:05:27,520 --> 00:05:30,640 Speaker 4: fraud from eight point five percent in twenty fourteen to 113 00:05:30,680 --> 00:05:34,360 Speaker 4: twenty fifteen to eleven percent in twenty twenty to twenty 114 00:05:34,400 --> 00:05:37,720 Speaker 4: twenty one. And I'm assuming that that is just in 115 00:05:37,760 --> 00:05:40,440 Speaker 4: line with the growth of the amount of content people 116 00:05:40,480 --> 00:05:41,880 Speaker 4: disclose on social media. 117 00:05:42,200 --> 00:05:42,479 Speaker 1: Jess. 118 00:05:42,520 --> 00:05:44,360 Speaker 4: I was watching a TikTok the other day, which I'm 119 00:05:44,400 --> 00:05:45,640 Speaker 4: honestly really good at. 120 00:05:45,760 --> 00:05:47,400 Speaker 1: It's not just a hobby anymore. 121 00:05:47,480 --> 00:05:50,000 Speaker 4: It's a future potential career path for me just to 122 00:05:50,040 --> 00:05:54,520 Speaker 4: watch tiktoks. And there was this woman who basically educates 123 00:05:54,560 --> 00:05:58,039 Speaker 4: people on scams and how your personal data is really 124 00:05:58,040 --> 00:05:58,880 Speaker 4: easily accessible. 125 00:05:58,920 --> 00:06:00,599 Speaker 1: She's a lawyer, she's like quite legit. 126 00:06:00,640 --> 00:06:04,080 Speaker 4: She's in America, and she actually gets people to comment 127 00:06:04,120 --> 00:06:06,159 Speaker 4: on her videos because people don't believe her. They're like, 128 00:06:06,240 --> 00:06:08,640 Speaker 4: good luck finding where I live. And like she snaps 129 00:06:08,680 --> 00:06:12,720 Speaker 4: back and says, Okay, yeah, right, scary because I had 130 00:06:12,839 --> 00:06:15,560 Speaker 4: never really thought about it. But then when I started 131 00:06:15,560 --> 00:06:17,880 Speaker 4: to look into some of the usernames that I've used 132 00:06:17,920 --> 00:06:21,000 Speaker 4: in the past that are actually linked to my personal name, 133 00:06:21,279 --> 00:06:23,839 Speaker 4: you can find my date of birth, Like, it's not 134 00:06:23,920 --> 00:06:26,560 Speaker 4: actually hard to find my phone number on the internet. 135 00:06:26,680 --> 00:06:27,320 Speaker 1: Do you know what I mean. 136 00:06:27,360 --> 00:06:30,960 Speaker 4: It's actually really really intimidating when you start thinking about it, 137 00:06:31,000 --> 00:06:34,080 Speaker 4: because so much of this information we just really nearly 138 00:06:34,240 --> 00:06:37,560 Speaker 4: add to our profiles, because like, what's better than Victoria 139 00:06:37,600 --> 00:06:41,280 Speaker 4: divide ninety one is a username that's so true. And 140 00:06:41,320 --> 00:06:43,599 Speaker 4: I feel like we've all probably had a little bit 141 00:06:43,640 --> 00:06:45,680 Speaker 4: of anxiety, particularly over the last couple of years, that 142 00:06:45,720 --> 00:06:48,320 Speaker 4: we might have fallen victim to a data breach or 143 00:06:48,360 --> 00:06:50,880 Speaker 4: to a scam or something of that nature. What should 144 00:06:50,960 --> 00:06:53,480 Speaker 4: we be doing if we feel like our identity or 145 00:06:53,520 --> 00:06:55,960 Speaker 4: our data has been stolen. Look, the first step that 146 00:06:56,000 --> 00:06:59,040 Speaker 4: you want to take is to obviously report the breach 147 00:06:59,279 --> 00:07:02,520 Speaker 4: to your ball super fund or any type of institution 148 00:07:02,760 --> 00:07:05,800 Speaker 4: that you think it has happened with sofas optis, obviously 149 00:07:05,839 --> 00:07:09,080 Speaker 4: reporting it with optis and making sure that for that 150 00:07:09,200 --> 00:07:12,560 Speaker 4: period of time you're just freezing your accounts. So if 151 00:07:12,600 --> 00:07:14,800 Speaker 4: it is your bank, instead of being like, oh, I 152 00:07:14,800 --> 00:07:18,360 Speaker 4: don't know, isn't it just freeze your accounts, you absolutely can. 153 00:07:18,480 --> 00:07:20,000 Speaker 4: All you need to do is call your bank, can 154 00:07:20,080 --> 00:07:21,720 Speaker 4: have a chat with them, or have a chat with 155 00:07:21,760 --> 00:07:24,080 Speaker 4: your super fund. Because the sooner that you can do 156 00:07:24,120 --> 00:07:26,920 Speaker 4: it one the sooner it can be traced but two, 157 00:07:27,280 --> 00:07:29,960 Speaker 4: the more likely it is that whoever has your information 158 00:07:30,000 --> 00:07:31,720 Speaker 4: that's about to use it is going to be barred 159 00:07:31,720 --> 00:07:34,440 Speaker 4: from doing that instead of racking up debt that you'll 160 00:07:34,440 --> 00:07:37,240 Speaker 4: then have to negotiate your way out of. I would 161 00:07:37,320 --> 00:07:40,400 Speaker 4: obviously change my password. I feel like this is just 162 00:07:40,480 --> 00:07:43,080 Speaker 4: the stock standard list of things that everyone should do, 163 00:07:43,240 --> 00:07:46,200 Speaker 4: but it's good to get a refresher. Then be on 164 00:07:46,280 --> 00:07:49,240 Speaker 4: the lookout for really suspicious emails or phone calls or 165 00:07:49,280 --> 00:07:52,320 Speaker 4: text messages or dms that you get through social media, 166 00:07:52,560 --> 00:07:55,520 Speaker 4: because sometimes people will bait you into giving you more 167 00:07:55,520 --> 00:07:59,120 Speaker 4: information or yes, more recently, send you a message if 168 00:07:59,160 --> 00:08:00,960 Speaker 4: you send this one on what I've got it a 169 00:08:01,000 --> 00:08:03,600 Speaker 4: few times and it's hey, can you call me? And 170 00:08:03,720 --> 00:08:06,120 Speaker 4: I reply like what is going on? And they're like, oh, 171 00:08:06,240 --> 00:08:09,040 Speaker 4: I dropped my phone. This is my friend's number. Can 172 00:08:09,080 --> 00:08:10,040 Speaker 4: you give me a call? Mum? 173 00:08:10,480 --> 00:08:11,040 Speaker 2: Oh I have. 174 00:08:12,320 --> 00:08:16,360 Speaker 4: It's actually wild and it's funny because you know, side 175 00:08:16,400 --> 00:08:20,360 Speaker 4: note completely in our team we call each other mums. 176 00:08:20,360 --> 00:08:22,120 Speaker 4: Like it's just kind of like, let's call it a 177 00:08:22,240 --> 00:08:24,680 Speaker 4: term of endearment, like it just does something nice for me. 178 00:08:24,720 --> 00:08:27,840 Speaker 4: I'll be like, oh, thanks mum, because she's looked after me. Yeah, 179 00:08:27,880 --> 00:08:31,240 Speaker 4: and vice versa. My team call me mom all the time, 180 00:08:31,800 --> 00:08:34,280 Speaker 4: and Kate, our mortgage broker, got this and genuinely thought 181 00:08:34,280 --> 00:08:34,640 Speaker 4: it was me. 182 00:08:34,760 --> 00:08:35,280 Speaker 5: Oh my gosh. 183 00:08:35,360 --> 00:08:37,760 Speaker 4: They didn't say anything other than Mum, I dropped my phone. 184 00:08:37,800 --> 00:08:38,200 Speaker 5: This is it? 185 00:08:38,240 --> 00:08:40,320 Speaker 4: Can you like help me? And Kate was like, oh, 186 00:08:40,320 --> 00:08:42,640 Speaker 4: it must be V like, oh, of course I'll help you. 187 00:08:42,720 --> 00:08:46,040 Speaker 4: Thankfully she did not get scammed because she immediately called 188 00:08:46,040 --> 00:08:47,960 Speaker 4: me and I was like, what are you talking about. 189 00:08:48,160 --> 00:08:50,800 Speaker 4: She was like, so you're not being like your phone 190 00:08:50,840 --> 00:08:53,720 Speaker 4: isn't drowned? And I was like, no, absolutely not. But 191 00:08:54,120 --> 00:08:56,600 Speaker 4: imagine if you actually were a parent and you got 192 00:08:56,600 --> 00:08:58,839 Speaker 4: that message and you had like a teenage son, and 193 00:08:58,920 --> 00:09:00,920 Speaker 4: that just made sense of also would message you off 194 00:09:00,960 --> 00:09:03,600 Speaker 4: for friends phone. It's just getting so intricate that it 195 00:09:03,679 --> 00:09:06,640 Speaker 4: makes me feel really icky. To that note, and going 196 00:09:06,640 --> 00:09:09,920 Speaker 4: off of your first point about reporting breaches to companies, 197 00:09:10,360 --> 00:09:13,680 Speaker 4: I would also add if you get a text, even 198 00:09:13,679 --> 00:09:16,240 Speaker 4: if it seems like it's from a company that you 199 00:09:16,280 --> 00:09:18,400 Speaker 4: bank with. So for example, if you bank with Bendigo 200 00:09:18,480 --> 00:09:20,600 Speaker 4: Bank and you get a text saying Hi, it's Bendigobank, 201 00:09:20,640 --> 00:09:22,800 Speaker 4: your data has been hacked, I would be picking up 202 00:09:22,840 --> 00:09:25,360 Speaker 4: the phone and calling them from the phone number listed 203 00:09:25,360 --> 00:09:27,560 Speaker 4: on their website. Because a friend of mine actually got 204 00:09:27,600 --> 00:09:30,480 Speaker 4: scammed earlier this year, I think it was, And it 205 00:09:30,520 --> 00:09:33,160 Speaker 4: was because she received a text from her bank, and 206 00:09:33,360 --> 00:09:38,280 Speaker 4: it was in the thread that her previous bank actually crazy, 207 00:09:38,400 --> 00:09:40,839 Speaker 4: how deep this can go? Yeah, And it was saying 208 00:09:41,040 --> 00:09:43,599 Speaker 4: your account has been compromised. We just need you to 209 00:09:43,679 --> 00:09:46,040 Speaker 4: update your password, log into your thing and update it. 210 00:09:46,080 --> 00:09:48,120 Speaker 4: And it had the link to take you through and 211 00:09:48,200 --> 00:09:51,960 Speaker 4: that link was obviously not legitimate and she lost I 212 00:09:51,960 --> 00:09:54,600 Speaker 4: think it was like fifteen or twenty thousand dollars what 213 00:09:55,120 --> 00:09:56,800 Speaker 4: and she did all the right thing that it came 214 00:09:56,800 --> 00:09:58,679 Speaker 4: from her bank. It was on the thread with her 215 00:09:58,720 --> 00:10:03,720 Speaker 4: previous communications that bank. It was actually wild how I 216 00:10:03,720 --> 00:10:05,920 Speaker 4: don't know how that works, but it was someone that 217 00:10:05,960 --> 00:10:08,760 Speaker 4: I personally know, not just a story in wild and 218 00:10:08,800 --> 00:10:09,840 Speaker 4: she's a switched on girl. 219 00:10:09,960 --> 00:10:10,960 Speaker 1: I would trust that too. 220 00:10:11,160 --> 00:10:13,640 Speaker 4: And being spoken to a few of my friends who 221 00:10:13,720 --> 00:10:17,440 Speaker 4: work in the banking space, I can unequivocally say your 222 00:10:17,480 --> 00:10:19,920 Speaker 4: bank will never ever ever send you a link that 223 00:10:19,960 --> 00:10:22,719 Speaker 4: you need to click because they know that that's what 224 00:10:22,840 --> 00:10:25,600 Speaker 4: scams look like and they're trying to train you to 225 00:10:25,679 --> 00:10:28,600 Speaker 4: be able to identify that. So your bank is never 226 00:10:28,640 --> 00:10:30,320 Speaker 4: going to say, oh, Jess, we'll send you the link 227 00:10:30,440 --> 00:10:32,560 Speaker 4: or text you a link. Maybe they will say your 228 00:10:32,559 --> 00:10:36,080 Speaker 4: password has been compromised, log into your account and change it. 229 00:10:36,440 --> 00:10:38,720 Speaker 4: But it's one of those things that a bank is 230 00:10:38,720 --> 00:10:40,640 Speaker 4: actually never going to send you a link to click 231 00:10:40,679 --> 00:10:44,000 Speaker 4: on or try and get you to share personal information 232 00:10:44,559 --> 00:10:47,319 Speaker 4: or a text message thread. It's just not going to happen, 233 00:10:47,400 --> 00:10:49,640 Speaker 4: and you are absolutely correct. The one thing I would 234 00:10:49,679 --> 00:10:52,360 Speaker 4: do is just like google NAB's phone number and cool 235 00:10:52,440 --> 00:10:55,840 Speaker 4: Nab immediately and go hey, I've just got this text message. 236 00:10:55,880 --> 00:10:57,520 Speaker 4: They'll be able to work it out for you in 237 00:10:57,600 --> 00:11:01,080 Speaker 4: two seconds, whether that's legitimate or not. Jess, I was 238 00:11:01,160 --> 00:11:03,760 Speaker 4: actually recording some money diary solo, because turns out you're 239 00:11:03,760 --> 00:11:06,000 Speaker 4: allowed to have a life and go on holidays without me, 240 00:11:06,040 --> 00:11:08,079 Speaker 4: which kind of seems really weird and we need to 241 00:11:08,080 --> 00:11:11,160 Speaker 4: talk about that later. But the other day I was 242 00:11:11,200 --> 00:11:13,600 Speaker 4: recording a money diary and it was on front of 243 00:11:13,640 --> 00:11:16,840 Speaker 4: our very very beautiful community members who one has a 244 00:11:16,840 --> 00:11:18,720 Speaker 4: really good story but we won't get into it, but 245 00:11:18,800 --> 00:11:21,360 Speaker 4: part of her story was that her identity got stolen 246 00:11:21,400 --> 00:11:23,720 Speaker 4: when she was at UNI. She was a little bit 247 00:11:23,760 --> 00:11:26,880 Speaker 4: careless with her wallet, it got lost and her identity 248 00:11:26,960 --> 00:11:29,959 Speaker 4: was stolen. And the way she found out was that 249 00:11:30,080 --> 00:11:34,400 Speaker 4: a policeman emailed her dad and asked for a photo 250 00:11:34,559 --> 00:11:37,800 Speaker 4: of her to verify that she wasn't the person that 251 00:11:38,000 --> 00:11:41,079 Speaker 4: was currently suspected of, you know, doing all of these 252 00:11:41,120 --> 00:11:41,720 Speaker 4: naughty things. 253 00:11:41,840 --> 00:11:43,400 Speaker 5: Oh my good watch that exactly. 254 00:11:43,800 --> 00:11:46,200 Speaker 1: That sounds like a scam. And I was just like, 255 00:11:46,280 --> 00:11:47,000 Speaker 1: what on earth? 256 00:11:47,040 --> 00:11:49,679 Speaker 4: And she's like, no, that legitimately happened. And she was 257 00:11:49,720 --> 00:11:52,559 Speaker 4: an adult when this happened. Why are you getting my 258 00:11:52,640 --> 00:11:55,600 Speaker 4: dad involved? Her dad genuinely thought it was a scam 259 00:11:55,600 --> 00:11:57,120 Speaker 4: and had to call the cops, and turns out it wasn't. 260 00:11:57,160 --> 00:12:00,440 Speaker 4: They were just communicating with her in a very strange way. 261 00:11:59,760 --> 00:12:04,199 Speaker 4: But in these times, question everything because to me, if 262 00:12:04,200 --> 00:12:06,040 Speaker 4: someone in on my dad, what are you? 263 00:12:06,280 --> 00:12:07,200 Speaker 1: Copper did a dabba? 264 00:12:07,600 --> 00:12:09,640 Speaker 4: I'm telling my dad about some stuff I did. What 265 00:12:09,679 --> 00:12:11,680 Speaker 4: if I don't even have a relationship with my dad, 266 00:12:11,720 --> 00:12:13,960 Speaker 4: what do you do email him? How did you even 267 00:12:13,960 --> 00:12:16,319 Speaker 4: find his email address? It's a great point. So, yeah, 268 00:12:16,360 --> 00:12:18,480 Speaker 4: I guess the point is sometimes they are legit. So 269 00:12:18,600 --> 00:12:21,040 Speaker 4: if you call in check that whoever the institution is, 270 00:12:21,120 --> 00:12:22,760 Speaker 4: he's going to say, yeah, actually, we need you to 271 00:12:22,800 --> 00:12:25,240 Speaker 4: update information to it here, or they're going to say, 272 00:12:25,280 --> 00:12:27,440 Speaker 4: please don't give anybody information, you're about to lose all 273 00:12:27,440 --> 00:12:31,000 Speaker 4: your money. I'm so skeptical of places that the times 274 00:12:31,000 --> 00:12:34,040 Speaker 4: that my bank has called me, which you know happens 275 00:12:34,040 --> 00:12:37,560 Speaker 4: sometimes I do, like normal banking and business banking. I'm 276 00:12:37,600 --> 00:12:40,480 Speaker 4: so skeptical that I actually go, hey, can you give 277 00:12:40,520 --> 00:12:42,720 Speaker 4: me like your number and I'll call you back, And 278 00:12:42,760 --> 00:12:45,440 Speaker 4: then I google the number, validate the number, and then 279 00:12:45,440 --> 00:12:47,640 Speaker 4: I call them back. Sorry, I just you know, have 280 00:12:47,679 --> 00:12:49,800 Speaker 4: had too many times where this has happened, and I 281 00:12:49,880 --> 00:12:51,880 Speaker 4: know that that's a bit of like work around, but 282 00:12:52,120 --> 00:12:55,240 Speaker 4: people these days are so smart they can actually call 283 00:12:55,280 --> 00:12:57,480 Speaker 4: you through numbers that are not their numbers, and just 284 00:12:57,840 --> 00:12:59,680 Speaker 4: I don't want to be stooged. I don't want to 285 00:12:59,679 --> 00:13:02,000 Speaker 4: be in a situation like your friend where I'm missing 286 00:13:02,000 --> 00:13:03,880 Speaker 4: a whole heap of cash when I could have just 287 00:13:03,920 --> 00:13:07,240 Speaker 4: googled a number and kept myself safe. Yeah, one thousand percent. 288 00:13:07,280 --> 00:13:09,000 Speaker 4: What else is on your list to keep us safe? 289 00:13:09,080 --> 00:13:11,920 Speaker 4: The last two things I would say is obviously be 290 00:13:12,040 --> 00:13:14,800 Speaker 4: on the lookout for those suspicious emails, but then keep 291 00:13:14,800 --> 00:13:16,839 Speaker 4: a really close watch on your bank account for any 292 00:13:16,920 --> 00:13:21,280 Speaker 4: unauthorized transactions. It's really really common these days. I don't 293 00:13:21,320 --> 00:13:24,160 Speaker 4: experience this, Jess. I know how many times a day 294 00:13:24,240 --> 00:13:26,360 Speaker 4: you log into your bank account, so you're all over 295 00:13:26,400 --> 00:13:28,160 Speaker 4: this too. But do you know there are heaps of 296 00:13:28,160 --> 00:13:30,080 Speaker 4: people in our community who are like, eh, I don't 297 00:13:30,080 --> 00:13:33,120 Speaker 4: really check my bank I don't check my statements. I 298 00:13:33,160 --> 00:13:36,240 Speaker 4: am crazy, like I check it all the time. And 299 00:13:36,360 --> 00:13:38,720 Speaker 4: even with our work accounts. Someone's like, Jess, what's this 300 00:13:38,800 --> 00:13:40,680 Speaker 4: And you're like, babe, I went to Spotlight and I 301 00:13:40,679 --> 00:13:41,679 Speaker 4: got Christmas decorations. 302 00:13:41,720 --> 00:13:42,559 Speaker 5: I'm like, oh, that. 303 00:13:42,520 --> 00:13:44,600 Speaker 4: Makes sense, that's nice, Like it just seemed like a 304 00:13:44,600 --> 00:13:46,920 Speaker 4: really random location. And you're like, yes, I got it. 305 00:13:46,960 --> 00:13:49,600 Speaker 4: While I was driving home. I question everything better safe 306 00:13:49,640 --> 00:13:51,360 Speaker 4: than sorry. I'm what Christmas decorations? 307 00:13:51,400 --> 00:13:51,720 Speaker 1: Did you get? 308 00:13:51,720 --> 00:13:55,320 Speaker 4: Those? Were they cute? Because that's not a scam. But 309 00:13:55,400 --> 00:13:58,480 Speaker 4: the other thing is you can actually call and request 310 00:13:58,480 --> 00:14:01,120 Speaker 4: a temporary ban on your credit report to ensure that 311 00:14:01,160 --> 00:14:04,560 Speaker 4: there are no unauthorized loans or applications made in your name, 312 00:14:04,760 --> 00:14:08,120 Speaker 4: which I think so many people don't know exist. Because 313 00:14:08,160 --> 00:14:09,720 Speaker 4: you know how you call your bank, can you freeze 314 00:14:09,760 --> 00:14:12,240 Speaker 4: your accounts and stuff? You can actually call and get 315 00:14:12,280 --> 00:14:15,120 Speaker 4: your credit paused so that no one can take a 316 00:14:15,120 --> 00:14:16,800 Speaker 4: loan out in your name. I mean, you can't even 317 00:14:16,800 --> 00:14:19,440 Speaker 4: take a loan out in your name. Would definitely be temporary, 318 00:14:19,480 --> 00:14:21,920 Speaker 4: but just to make sure things are safe and secure. Yeah, 319 00:14:21,920 --> 00:14:24,080 Speaker 4: which is a really good idea because we've spoken about before. 320 00:14:24,640 --> 00:14:27,160 Speaker 4: You know, when people take your identity, maybe they don't 321 00:14:27,200 --> 00:14:29,000 Speaker 4: do something with it right away. Maybe they sit on 322 00:14:29,040 --> 00:14:31,320 Speaker 4: it for a little bit and then like this money 323 00:14:31,400 --> 00:14:33,400 Speaker 4: diarist that I had the other week, it took a 324 00:14:33,520 --> 00:14:37,320 Speaker 4: year before the person who stole her data use it. Yeah. Year, 325 00:14:37,800 --> 00:14:41,120 Speaker 4: And people are not very nice sometimes, And so if 326 00:14:41,160 --> 00:14:42,960 Speaker 4: you put that freeze on, it gives you a little 327 00:14:42,960 --> 00:14:44,400 Speaker 4: bit of protection. I feel like it also kind of 328 00:14:44,440 --> 00:14:46,600 Speaker 4: gives you a bit of a trail as well, so 329 00:14:46,640 --> 00:14:48,160 Speaker 4: you can be like, hey, like I took all of 330 00:14:48,160 --> 00:14:53,119 Speaker 4: the appropriate actions, I did everything right. If something still happens, 331 00:14:53,520 --> 00:14:55,160 Speaker 4: you know, at least you know that you've taken all 332 00:14:55,160 --> 00:14:57,880 Speaker 4: the steps, and hopefully, if you have insurance or if 333 00:14:57,880 --> 00:14:59,800 Speaker 4: it's through a bank or whatever, you'll be able to 334 00:14:59,840 --> 00:15:01,720 Speaker 4: rec cover whatever you lose. And at least you can 335 00:15:01,760 --> 00:15:04,240 Speaker 4: show that within your realm of power, you did everything 336 00:15:04,280 --> 00:15:06,360 Speaker 4: that you could. Yeah, it also gives you a bit 337 00:15:06,400 --> 00:15:09,120 Speaker 4: of time to get new documentation, like if your passport 338 00:15:09,160 --> 00:15:11,280 Speaker 4: has been stolen, you can get a new one within 339 00:15:11,320 --> 00:15:13,480 Speaker 4: that period of time, or you can get a driver's 340 00:15:13,480 --> 00:15:16,080 Speaker 4: license re issued, or you can get new credit cards. 341 00:15:16,080 --> 00:15:18,640 Speaker 4: And it just puts you in a position where everything's 342 00:15:18,680 --> 00:15:20,680 Speaker 4: on hold and you can kind of sort your life out. 343 00:15:20,720 --> 00:15:22,960 Speaker 4: Yeah all right, So what are some signs of identity 344 00:15:23,000 --> 00:15:24,920 Speaker 4: thefts that we should be keeping an eye out for? 345 00:15:25,120 --> 00:15:27,720 Speaker 4: Fake mustaches, good to know, the peloff kind that you 346 00:15:27,760 --> 00:15:30,040 Speaker 4: toil with your fingers. Yeah, yeah, yeah, yeah, they're really 347 00:15:30,120 --> 00:15:32,400 Speaker 4: good ones. I also like to wear a sombrero with 348 00:15:32,440 --> 00:15:36,360 Speaker 4: them for added effect. But if your identity has been stolen, 349 00:15:36,480 --> 00:15:38,800 Speaker 4: it can take a little while to realize. As I said, 350 00:15:39,120 --> 00:15:42,840 Speaker 4: it took twelve months before our money dirests stolen information 351 00:15:43,080 --> 00:15:45,760 Speaker 4: had been used. They literally sat on it and then waited. 352 00:15:46,120 --> 00:15:48,560 Speaker 4: And I think that that's you know, you lose your wallet, 353 00:15:48,840 --> 00:15:51,720 Speaker 4: nothing happens, nothing's negative, you loosen up a bit, you're 354 00:15:51,760 --> 00:15:53,560 Speaker 4: not so worried, and then when it does start happening, 355 00:15:53,640 --> 00:15:56,280 Speaker 4: it takes you ages to realize because you've stopped checking 356 00:15:56,320 --> 00:15:59,120 Speaker 4: your bank accounts so regularly, you've stopped looking at your 357 00:15:59,160 --> 00:16:01,880 Speaker 4: credit application. Why would you it happened more than a 358 00:16:02,000 --> 00:16:05,240 Speaker 4: year ago, it's not stressful anymore. But any type of 359 00:16:05,360 --> 00:16:08,400 Speaker 4: unusual bills or charges that you don't recognize appearing on 360 00:16:08,440 --> 00:16:12,560 Speaker 4: your bank statement. One thing that I would be really 361 00:16:12,600 --> 00:16:15,400 Speaker 4: careful of is mail that you're expecting to arrive that 362 00:16:15,480 --> 00:16:18,960 Speaker 4: then either doesn't arrive or it does arrive and it 363 00:16:19,040 --> 00:16:21,880 Speaker 4: just feels a little bit off. One thing that I 364 00:16:21,960 --> 00:16:25,240 Speaker 4: have done recently is change all of my mail that 365 00:16:25,280 --> 00:16:28,120 Speaker 4: gets sent out, so bank statements and like electricity bills 366 00:16:28,160 --> 00:16:31,840 Speaker 4: all over to email, because I feel like physical is 367 00:16:31,880 --> 00:16:34,880 Speaker 4: really scary. Our money are is that you haven't listened 368 00:16:34,920 --> 00:16:38,200 Speaker 4: to yet, Jess. She suspects that the person that stole 369 00:16:38,240 --> 00:16:40,440 Speaker 4: her identity was swinging past her house to pick up 370 00:16:40,440 --> 00:16:42,920 Speaker 4: the mail to like finish credit applications and stuff. 371 00:16:43,120 --> 00:16:45,440 Speaker 1: Wow, so creepy, so weird. 372 00:16:46,320 --> 00:16:48,400 Speaker 4: The next is that you get calls or texts about 373 00:16:48,400 --> 00:16:51,560 Speaker 4: products and services that you've never actually used or engaged with. 374 00:16:52,080 --> 00:16:54,720 Speaker 4: Really strange emails that turn up you in your inbox, 375 00:16:54,840 --> 00:16:57,800 Speaker 4: and a sudden increase in suspicious phone calls or text 376 00:16:57,800 --> 00:17:01,520 Speaker 4: messages or even just messages and through social media. So 377 00:17:02,000 --> 00:17:04,760 Speaker 4: there's lots of different ways, and not all of them 378 00:17:04,920 --> 00:17:07,679 Speaker 4: are immediately like, hey, Jess, here's a statement for a 379 00:17:07,720 --> 00:17:10,040 Speaker 4: credit card you never applied for. It might just be 380 00:17:10,440 --> 00:17:13,120 Speaker 4: really weird phone calls of being like, hey, Jess, you're 381 00:17:13,200 --> 00:17:14,679 Speaker 4: short on this and you go, no, I'm not. 382 00:17:14,800 --> 00:17:16,080 Speaker 1: I definitely didn't do that. 383 00:17:16,200 --> 00:17:19,480 Speaker 4: So let's just this episode might put the fear of 384 00:17:19,520 --> 00:17:21,600 Speaker 4: God into a lot of people. But I think just 385 00:17:21,680 --> 00:17:24,479 Speaker 4: being vigilant is the most important thing here. Already, we're 386 00:17:24,520 --> 00:17:25,880 Speaker 4: going to go to a really quick break and when 387 00:17:25,880 --> 00:17:28,119 Speaker 4: we come back, we're going to be talking tangible tips. 388 00:17:28,200 --> 00:17:29,280 Speaker 5: So don't go anywhere, guys. 389 00:17:33,640 --> 00:17:36,560 Speaker 4: Alrighty, everybody, we are back, and Victoria, I want to 390 00:17:36,600 --> 00:17:39,080 Speaker 4: know your tips that people can use to help protect 391 00:17:39,119 --> 00:17:42,480 Speaker 4: themselves and their financial data against attacks. I have a 392 00:17:42,560 --> 00:17:45,720 Speaker 4: laundry list. I'm excited. Right you're sitting. Are you ready. 393 00:17:46,119 --> 00:17:48,280 Speaker 4: It's taking me ages to pull together because I wanted 394 00:17:48,320 --> 00:17:51,880 Speaker 4: it to be as comprehensive and useful as possible, which 395 00:17:51,880 --> 00:17:54,520 Speaker 4: is why it is so extensive. So if you're not ready, 396 00:17:54,600 --> 00:17:56,680 Speaker 4: maybe pause, grab a cup of tea and come back. 397 00:17:57,000 --> 00:17:59,320 Speaker 4: This is the time for you to be live. So 398 00:17:59,520 --> 00:18:01,880 Speaker 4: first thing first, we are going to regularly check our 399 00:18:01,880 --> 00:18:05,480 Speaker 4: credit reports. I say this all the time, literally, I'm 400 00:18:05,480 --> 00:18:06,760 Speaker 4: obsessed with saying it. 401 00:18:06,760 --> 00:18:07,800 Speaker 1: It can be free. 402 00:18:08,200 --> 00:18:11,119 Speaker 4: You can even sign up for a free credit monitoring 403 00:18:11,160 --> 00:18:13,600 Speaker 4: email that will consistently come into your inbox to make 404 00:18:13,600 --> 00:18:15,919 Speaker 4: sure that you are safe and secure, so that is 405 00:18:16,000 --> 00:18:20,159 Speaker 4: free and easy to do. Update your devices so cybercriminal 406 00:18:20,200 --> 00:18:23,520 Speaker 4: hack devices using known weaknesses in our systems or apps 407 00:18:23,680 --> 00:18:27,119 Speaker 4: means that if you update your security consistently, you're going 408 00:18:27,160 --> 00:18:29,840 Speaker 4: to fix these weaknesses in your apps so that there 409 00:18:29,880 --> 00:18:32,640 Speaker 4: won't be as many breaches. I do this personally by 410 00:18:32,680 --> 00:18:35,520 Speaker 4: making sure that I have automatic updates on my phone 411 00:18:35,560 --> 00:18:37,480 Speaker 4: so that when my phone is beside my bed charging 412 00:18:37,520 --> 00:18:39,600 Speaker 4: at night and connected to Wi Fi, it just does 413 00:18:39,640 --> 00:18:41,440 Speaker 4: it so that I'm not using all of my data. 414 00:18:42,040 --> 00:18:44,400 Speaker 4: Use the secure password Manager, and there are a lot 415 00:18:44,440 --> 00:18:47,120 Speaker 4: of them around these days, and these will often tell 416 00:18:47,200 --> 00:18:49,280 Speaker 4: you if there's been a leak of your data on 417 00:18:49,320 --> 00:18:51,800 Speaker 4: the dark web, or if your passwords are compromised. And 418 00:18:51,920 --> 00:18:54,359 Speaker 4: also you don't need to remember any of your passwords 419 00:18:54,359 --> 00:18:57,160 Speaker 4: with this. They like auto fill, so it feels easier 420 00:18:57,400 --> 00:18:59,520 Speaker 4: but it's safer. Google did that for me recently. I 421 00:18:59,560 --> 00:19:01,399 Speaker 4: got an email I was like, ninety seven of your 422 00:19:01,440 --> 00:19:03,920 Speaker 4: passwords are compromise and I was like, oh my god, 423 00:19:04,040 --> 00:19:08,520 Speaker 4: what how do you have ninety seven passwords, Jessica, I can't. 424 00:19:08,320 --> 00:19:11,680 Speaker 1: Even remember the three that all involve my own name. 425 00:19:11,800 --> 00:19:13,720 Speaker 5: I feel like ninety seven might be a small exaggeration, 426 00:19:13,760 --> 00:19:14,240 Speaker 5: but it was a lot. 427 00:19:14,280 --> 00:19:15,000 Speaker 1: I will go with it. 428 00:19:15,160 --> 00:19:17,240 Speaker 4: The next tip I've got for you is using multi 429 00:19:17,240 --> 00:19:21,320 Speaker 4: factor authentication. This really annoys our team, jess you can 430 00:19:21,359 --> 00:19:25,640 Speaker 4: probably agree with this one, but multi factor authentication improves 431 00:19:25,680 --> 00:19:29,439 Speaker 4: your security by increasing the difficulty for cybercriminals to actually 432 00:19:29,480 --> 00:19:33,639 Speaker 4: access your files or accounts. So anytime anyone banks in 433 00:19:33,680 --> 00:19:36,720 Speaker 4: our office or like pays an invoice or does their job, 434 00:19:37,000 --> 00:19:38,320 Speaker 4: I get a text message. 435 00:19:38,000 --> 00:19:39,000 Speaker 1: And you need the code. 436 00:19:39,119 --> 00:19:41,359 Speaker 4: So it's one of those things that for me makes 437 00:19:41,400 --> 00:19:44,119 Speaker 4: me feel far more secure because I don't want to 438 00:19:44,160 --> 00:19:47,320 Speaker 4: lose money, but I also don't want to be compromised. 439 00:19:47,680 --> 00:19:50,640 Speaker 4: I have the same on my email and on my Facebook. 440 00:19:50,760 --> 00:19:54,000 Speaker 4: I use Google Authenticator and basically I have an app 441 00:19:54,040 --> 00:19:56,600 Speaker 4: on my phone and it generates one time use codes 442 00:19:56,640 --> 00:19:59,120 Speaker 4: and when I go to log in, I put my username, 443 00:19:59,200 --> 00:20:01,640 Speaker 4: my password and then click signing, and then it will 444 00:20:01,720 --> 00:20:03,399 Speaker 4: go to a second page and be like, what is 445 00:20:03,440 --> 00:20:05,879 Speaker 4: the code on your authentic heid app? And to me, 446 00:20:06,000 --> 00:20:08,359 Speaker 4: that one makes me feel a lot more secure. But 447 00:20:08,359 --> 00:20:11,960 Speaker 4: do I just think it's smart because the more time flies, 448 00:20:12,119 --> 00:20:15,040 Speaker 4: the more likely you are to be hagged or have 449 00:20:15,119 --> 00:20:18,360 Speaker 4: someone trying to access your personal information. I just want 450 00:20:18,359 --> 00:20:20,000 Speaker 4: to make it as hard as possible for them, you know, 451 00:20:20,040 --> 00:20:21,199 Speaker 4: make them really work for it. 452 00:20:21,280 --> 00:20:21,600 Speaker 1: Jess. 453 00:20:21,720 --> 00:20:22,000 Speaker 5: Yeah. 454 00:20:22,040 --> 00:20:24,480 Speaker 4: The other thing if you don't actually have access to 455 00:20:24,560 --> 00:20:28,800 Speaker 4: multi factor authentication is use a secure passphrase. So in 456 00:20:28,840 --> 00:20:32,080 Speaker 4: cases where you can't use multi factor authentication, a secure 457 00:20:32,200 --> 00:20:35,040 Speaker 4: passphrase can often be the only thing protecting your information 458 00:20:35,080 --> 00:20:38,120 Speaker 4: and account from criminals, which is kind of scary. Then 459 00:20:38,480 --> 00:20:40,760 Speaker 4: the next thing, do you do this? I feel like 460 00:20:40,800 --> 00:20:43,239 Speaker 4: you've got a semi nerdy boyfriends who you might do 461 00:20:43,280 --> 00:20:45,399 Speaker 4: this to use a VPN. I'm pretty sure we have 462 00:20:45,440 --> 00:20:47,520 Speaker 4: one hooked up at So. A VPN is a virtual 463 00:20:47,560 --> 00:20:49,720 Speaker 4: private network. I have one on my phone. I have 464 00:20:49,800 --> 00:20:54,040 Speaker 4: downloaded it. I actually didn't discover this for my own security, Jess. 465 00:20:54,160 --> 00:20:56,960 Speaker 4: This is slightly embarrassing. The app I have is called 466 00:20:57,080 --> 00:20:59,960 Speaker 4: Nord VPM, so you remember like Nord Security. It's like 467 00:21:00,080 --> 00:21:03,000 Speaker 4: Collgic company. Anyway, I really wanted to watch the Real 468 00:21:03,040 --> 00:21:06,040 Speaker 4: Housewives of Beverly Hills when I was in New Zealand. 469 00:21:06,240 --> 00:21:10,080 Speaker 4: Recently it's on Hulu, and that wasn't actually available in 470 00:21:10,119 --> 00:21:11,760 Speaker 4: New Zealand. So when I was trying to log in 471 00:21:11,840 --> 00:21:13,800 Speaker 4: and like cast it to the TV because I was 472 00:21:13,800 --> 00:21:16,840 Speaker 4: obviously having a very exashing holiday watching my favorite show 473 00:21:16,880 --> 00:21:18,800 Speaker 4: with a glass of wine, it was like, this isn't 474 00:21:18,840 --> 00:21:20,960 Speaker 4: available in your area. So I was like, oh my gosh, 475 00:21:21,000 --> 00:21:22,680 Speaker 4: this is going to ruin my entire holiday if I 476 00:21:22,720 --> 00:21:25,800 Speaker 4: can't watch the show, I'm gonna have to download this app. 477 00:21:26,119 --> 00:21:28,959 Speaker 4: So did all the googling, worked it out, downloaded Nord VPN, 478 00:21:29,160 --> 00:21:32,520 Speaker 4: and I could change my location so that anybody on 479 00:21:32,520 --> 00:21:34,720 Speaker 4: the Internet when they're looking at my IP address don't 480 00:21:34,720 --> 00:21:37,560 Speaker 4: actually get to see my real IP address, which means 481 00:21:37,560 --> 00:21:39,920 Speaker 4: one I could watch whatever show I wanted, but two, 482 00:21:40,000 --> 00:21:42,680 Speaker 4: I'm actually far safer and more secure. And now that's 483 00:21:42,720 --> 00:21:45,520 Speaker 4: how I operate across the board, which I think everybody should. 484 00:21:45,960 --> 00:21:47,560 Speaker 4: It is a paid app, but I do think it 485 00:21:47,640 --> 00:21:51,440 Speaker 4: is worth it. The next tip is just to please 486 00:21:51,640 --> 00:21:54,960 Speaker 4: be smarter with your social media usage. Tip it's cape 487 00:21:55,000 --> 00:22:00,199 Speaker 4: personal information off social networks. Honestly terrifying. You told me 488 00:22:00,200 --> 00:22:03,360 Speaker 4: about this the other day that scammers can actually find 489 00:22:03,359 --> 00:22:06,240 Speaker 4: out where you leave and work through your posts. Obviously 490 00:22:06,240 --> 00:22:08,240 Speaker 4: if you're posting your workplace, but Jess, you were telling 491 00:22:08,240 --> 00:22:10,959 Speaker 4: me that Instagram would actually do you tag the photo 492 00:22:11,040 --> 00:22:13,200 Speaker 4: and you had automatically turned it off or something. 493 00:22:13,480 --> 00:22:13,760 Speaker 2: Yeah. 494 00:22:13,840 --> 00:22:18,080 Speaker 4: So I'm super paranoid about location specifically because Internet safety 495 00:22:18,280 --> 00:22:21,280 Speaker 4: scares me. And I have my location services on my 496 00:22:21,359 --> 00:22:24,760 Speaker 4: phone off because I watched this the social socialatum, Yes, 497 00:22:24,880 --> 00:22:27,200 Speaker 4: the social dilemma something like that. Yeah, I watched it, 498 00:22:27,240 --> 00:22:29,600 Speaker 4: and I freaked out and turned off all of my locations. 499 00:22:29,720 --> 00:22:31,479 Speaker 4: She didn't just freak out, She called me and did this. 500 00:22:31,520 --> 00:22:33,600 Speaker 4: So we have each other on Find my Friends and 501 00:22:33,640 --> 00:22:35,880 Speaker 4: now I have no friends. It was just a whole thing. 502 00:22:36,280 --> 00:22:36,440 Speaker 1: Yeah. 503 00:22:36,480 --> 00:22:38,760 Speaker 4: So Instagram can do it, but even just the photos 504 00:22:38,800 --> 00:22:41,639 Speaker 4: within your phone do it as well, automatically if you 505 00:22:41,680 --> 00:22:43,119 Speaker 4: don't turn it off. And so if you were to 506 00:22:43,160 --> 00:22:45,439 Speaker 4: lose your phone, for example, I have an iPhone. I 507 00:22:45,440 --> 00:22:47,399 Speaker 4: don't know if Android does this too, but if you 508 00:22:47,440 --> 00:22:49,240 Speaker 4: lost your phone and you took a photo at home, 509 00:22:49,520 --> 00:22:52,399 Speaker 4: that could be. I know that if your location services 510 00:22:52,440 --> 00:22:53,240 Speaker 4: are on and you can talk. 511 00:22:53,400 --> 00:22:54,160 Speaker 1: Oh my gosh. 512 00:22:54,240 --> 00:22:56,960 Speaker 4: Actually I know mine are on because when I go 513 00:22:57,080 --> 00:23:00,240 Speaker 4: to my albums on my phone, it has places, and yeah, 514 00:23:00,240 --> 00:23:03,360 Speaker 4: I can just zoom in and say, look, eighty four 515 00:23:03,440 --> 00:23:04,879 Speaker 4: hundred photos. 516 00:23:04,560 --> 00:23:05,840 Speaker 5: Probably spend a lot of time there. 517 00:23:06,280 --> 00:23:10,640 Speaker 4: Oh, yes, that's literruly my house. Yeah, so you can 518 00:23:10,680 --> 00:23:13,040 Speaker 4: turn off if you go into your phone's settings, you can. 519 00:23:12,960 --> 00:23:16,520 Speaker 5: Turn off oh it's cutee some of those. 520 00:23:16,600 --> 00:23:19,520 Speaker 4: Yeah, but you can turn off your location settings holistically, 521 00:23:19,600 --> 00:23:22,439 Speaker 4: or you can turn it off for specific apps as well. 522 00:23:22,920 --> 00:23:24,960 Speaker 4: But yeah, you have to think a little bit bigger 523 00:23:25,000 --> 00:23:27,240 Speaker 4: picture because you go, oh, I just won't post my 524 00:23:27,320 --> 00:23:30,240 Speaker 4: front door, like I won't tag my local suburb. But 525 00:23:30,800 --> 00:23:33,720 Speaker 4: even it's showing your local coffee shop, the DS, you know, 526 00:23:34,000 --> 00:23:36,240 Speaker 4: or all of these little things that if someone is 527 00:23:36,280 --> 00:23:39,120 Speaker 4: really paying attention, they can put together a pretty good 528 00:23:39,160 --> 00:23:41,040 Speaker 4: picture of where you're spending time. 529 00:23:40,880 --> 00:23:41,760 Speaker 5: On what you're doing. 530 00:23:41,800 --> 00:23:44,639 Speaker 4: So it's just being super conscious about what you're putting 531 00:23:44,680 --> 00:23:46,720 Speaker 4: out there because you don't know who's watching. And I 532 00:23:46,760 --> 00:23:49,280 Speaker 4: think people try to be really sneaky about this. This 533 00:23:49,320 --> 00:23:51,120 Speaker 4: is something I see in our community all the time. 534 00:23:51,160 --> 00:23:53,159 Speaker 4: And if you're comfortable with that, keep doing it. I 535 00:23:53,200 --> 00:23:56,040 Speaker 4: never would do it, though, And that's posting a picture 536 00:23:56,080 --> 00:23:59,000 Speaker 4: of you putting your souled sticker up on the house 537 00:23:59,040 --> 00:23:59,880 Speaker 4: that you just purchase. 538 00:24:00,080 --> 00:24:02,000 Speaker 5: I have strong feelings about this, do. 539 00:24:02,080 --> 00:24:02,919 Speaker 1: You as well? 540 00:24:03,040 --> 00:24:03,240 Speaker 4: Yeah? 541 00:24:03,280 --> 00:24:04,560 Speaker 5: Because I used to work in real estate. Do you 542 00:24:04,560 --> 00:24:05,719 Speaker 5: know how easy it is? 543 00:24:05,800 --> 00:24:07,400 Speaker 4: Like the amount of people that I went to high 544 00:24:07,400 --> 00:24:09,399 Speaker 4: school with that have bought houses post a photo. I've 545 00:24:09,440 --> 00:24:10,760 Speaker 4: been like, well, I want to know what that house 546 00:24:10,800 --> 00:24:13,080 Speaker 4: looks like, sad I founded in about five minutes. 547 00:24:13,200 --> 00:24:16,439 Speaker 1: Yeah, it's not even hard. And I'm a creep as well. 548 00:24:16,760 --> 00:24:20,080 Speaker 4: Like there have been influencers who have posted their sold 549 00:24:20,160 --> 00:24:23,080 Speaker 4: thing and they think that they're being really smart because 550 00:24:23,119 --> 00:24:26,119 Speaker 4: they like white out the real estate agent's number and 551 00:24:26,240 --> 00:24:29,760 Speaker 4: like what it is, but they leave up the description. Mate, 552 00:24:29,800 --> 00:24:31,520 Speaker 4: I can just google that it's going to come up. 553 00:24:31,800 --> 00:24:35,280 Speaker 4: And also even if you like rub out who it is, like, 554 00:24:35,359 --> 00:24:38,040 Speaker 4: this is outing me as an absolute creep. But like, 555 00:24:38,320 --> 00:24:40,760 Speaker 4: I know yellow is ray White. Yeah, like I know 556 00:24:40,880 --> 00:24:43,760 Speaker 4: what real estate agent you have gone through, and therefore 557 00:24:43,800 --> 00:24:45,960 Speaker 4: I'm very likely to find it on the ray White 558 00:24:46,160 --> 00:24:49,360 Speaker 4: website under recently sold. I'm just going to scroll through 559 00:24:49,359 --> 00:24:52,160 Speaker 4: and be like, that's probably it because the picture will 560 00:24:52,160 --> 00:24:54,680 Speaker 4: stay up anyway. I just think that that is compromising 561 00:24:54,720 --> 00:24:57,959 Speaker 4: your privacy. Steve and I when we bought our house, 562 00:24:58,040 --> 00:25:00,920 Speaker 4: You'll remember this, Jess, we just got to picture outside 563 00:25:00,920 --> 00:25:03,480 Speaker 4: the house, like in an area of the house that 564 00:25:03,560 --> 00:25:06,840 Speaker 4: you absolutely cannot see from Mill Street and we used 565 00:25:06,840 --> 00:25:09,240 Speaker 4: a sold sticker not from the same company that we 566 00:25:09,359 --> 00:25:12,000 Speaker 4: bought the house from. Because I was just like, one, 567 00:25:12,119 --> 00:25:13,840 Speaker 4: I have a lot of real estate friends around. I 568 00:25:13,880 --> 00:25:15,720 Speaker 4: was basically like, can I have a sticker because the 569 00:25:15,760 --> 00:25:18,159 Speaker 4: other one stuck to the board. But two, I was 570 00:25:18,240 --> 00:25:19,920 Speaker 4: kind of like, oh, can it not be from this 571 00:25:19,960 --> 00:25:22,520 Speaker 4: particular company, because I just I don't want to compromise 572 00:25:22,560 --> 00:25:25,440 Speaker 4: my privacy like that. And I mean it is, from 573 00:25:25,480 --> 00:25:27,960 Speaker 4: my perspective, a little bit hypocritical as well, because I 574 00:25:28,000 --> 00:25:31,000 Speaker 4: do tag local cafes and I do share a fair 575 00:25:31,000 --> 00:25:33,119 Speaker 4: bit on social media, like you guys know I'm in 576 00:25:33,160 --> 00:25:35,879 Speaker 4: and around Melbourne. I just I don't need you knowing 577 00:25:35,920 --> 00:25:39,440 Speaker 4: my pinpointed location. Yeah, and I think it can be 578 00:25:40,119 --> 00:25:42,080 Speaker 4: really jarring, but I think we do need to be 579 00:25:42,119 --> 00:25:44,159 Speaker 4: really aware of that because, as you said, Jess, if 580 00:25:44,160 --> 00:25:46,560 Speaker 4: you saw someone buy a house, you're gonna google it, 581 00:25:46,720 --> 00:25:47,840 Speaker 4: especially if you grew up. 582 00:25:47,720 --> 00:25:48,760 Speaker 1: With them or you knew them. 583 00:25:49,119 --> 00:25:53,000 Speaker 4: But that's just I guess a wholesome person looking something 584 00:25:53,080 --> 00:25:55,920 Speaker 4: up you you just don't know who can also look 585 00:25:55,960 --> 00:25:58,240 Speaker 4: it up, who might not be as kind or as 586 00:25:58,280 --> 00:26:01,760 Speaker 4: just pervy as you are. Right, Yeah, Look, the next 587 00:26:01,800 --> 00:26:04,320 Speaker 4: tip I've got for you guys, is back up your 588 00:26:04,359 --> 00:26:08,199 Speaker 4: devices and set them to regularly auto back up. I 589 00:26:08,240 --> 00:26:11,359 Speaker 4: say this because you can automatically restore your files in 590 00:26:11,400 --> 00:26:13,880 Speaker 4: case your device is ever hacked or lost or stolen 591 00:26:14,200 --> 00:26:16,760 Speaker 4: or damaged. I know, I have so many photos on 592 00:26:16,760 --> 00:26:20,120 Speaker 4: my phone, Like I am nearly a psychoticist jest when 593 00:26:20,119 --> 00:26:22,879 Speaker 4: it has to taking photos, But I would be heartbroken 594 00:26:22,920 --> 00:26:25,920 Speaker 4: if they got lost. And sometimes if your device has 595 00:26:25,920 --> 00:26:28,520 Speaker 4: been hacked, it just needs to be completely wiped. Like 596 00:26:28,560 --> 00:26:31,600 Speaker 4: there's no opportunity to take some of the files off 597 00:26:31,600 --> 00:26:34,439 Speaker 4: because they could be compromised. But if you backed up 598 00:26:34,440 --> 00:26:37,640 Speaker 4: your phone, basically that device can be destroyed, it's absolutely fine. 599 00:26:37,640 --> 00:26:39,760 Speaker 4: It could be completely wiped and then you could just 600 00:26:39,840 --> 00:26:42,560 Speaker 4: restore an older backup that does not have the virus 601 00:26:42,680 --> 00:26:45,840 Speaker 4: or the hacking on it. The next thing is secure 602 00:26:46,160 --> 00:26:50,040 Speaker 4: or shred your sensitive documents. Recently we have got our 603 00:26:50,080 --> 00:26:52,080 Speaker 4: own shredder in the office with a lost shredder. 604 00:26:52,119 --> 00:26:54,200 Speaker 1: I love the shredder. I love it. 605 00:26:54,400 --> 00:26:54,800 Speaker 5: I love it. 606 00:26:54,840 --> 00:26:55,840 Speaker 1: And it's not like an. 607 00:26:55,680 --> 00:26:58,399 Speaker 4: Old school one where you get the little like you know, 608 00:26:58,480 --> 00:27:01,840 Speaker 4: the strips of paper open down shred up just be no, 609 00:27:01,960 --> 00:27:03,600 Speaker 4: it's like confetti really like. 610 00:27:03,640 --> 00:27:06,360 Speaker 1: Good luck, good luck piecing that together. Friends. 611 00:27:06,440 --> 00:27:09,640 Speaker 4: Yeah, I feel far safer because someone's always like, what's 612 00:27:09,640 --> 00:27:11,359 Speaker 4: shredding got to do? If someone wants to steal my 613 00:27:11,359 --> 00:27:14,560 Speaker 4: bank details, Like I'm really good at puzzles, maybe I 614 00:27:14,600 --> 00:27:16,760 Speaker 4: would just like put them up on the wall like 615 00:27:16,800 --> 00:27:19,920 Speaker 4: I'm some kind of like true crime investigator and work 616 00:27:19,960 --> 00:27:22,840 Speaker 4: out what the letter said. But no chance with my shredder. 617 00:27:23,119 --> 00:27:25,680 Speaker 4: But I think that you should be shredding literally everything 618 00:27:25,720 --> 00:27:27,680 Speaker 4: that is not of use to you. So letters from 619 00:27:27,720 --> 00:27:31,240 Speaker 4: your bank, super fund, or employee details, literally anything that 620 00:27:31,480 --> 00:27:35,040 Speaker 4: people could use to steal your identity from my perspective, 621 00:27:35,080 --> 00:27:38,439 Speaker 4: should be shared, save them in a safe location. Something 622 00:27:38,480 --> 00:27:40,399 Speaker 4: that I do if I think it's really important, Like 623 00:27:40,440 --> 00:27:43,000 Speaker 4: I got a letter being like, hey, here's your TFN, 624 00:27:43,320 --> 00:27:45,159 Speaker 4: I take a photo of it, or I use the 625 00:27:45,160 --> 00:27:47,879 Speaker 4: scanner app and upload it to my emails and file 626 00:27:47,920 --> 00:27:49,800 Speaker 4: it away so I know I've got a digital copy 627 00:27:49,840 --> 00:27:52,280 Speaker 4: of it. I don't need the physical copy anymore. I 628 00:27:52,320 --> 00:27:55,200 Speaker 4: feel like historically I used to just keep those things 629 00:27:55,280 --> 00:27:59,119 Speaker 4: lying around Denada in this house. The next thing is 630 00:27:59,480 --> 00:28:03,920 Speaker 4: be really careful with public computers and also public Wi Fi. 631 00:28:04,640 --> 00:28:07,640 Speaker 4: So if you're using a public computers like for example, 632 00:28:07,680 --> 00:28:10,000 Speaker 4: at the library, you need to one make sure that 633 00:28:10,040 --> 00:28:12,480 Speaker 4: you're clearing your Internet history and logging out of every 634 00:28:12,480 --> 00:28:15,399 Speaker 4: single account, because that's just giving people a ticket to 635 00:28:15,440 --> 00:28:19,000 Speaker 4: go and read through your emails. Yeah, but two, public 636 00:28:19,119 --> 00:28:23,119 Speaker 4: wi fi is actually quite dangerous because they're not secured. 637 00:28:23,440 --> 00:28:26,119 Speaker 4: And if you join a network that a hacker is on, 638 00:28:26,440 --> 00:28:30,640 Speaker 4: instant connection like you're able to actually instantly connect with them. 639 00:28:30,680 --> 00:28:33,240 Speaker 4: And there are some devices like Apple has a higher 640 00:28:33,359 --> 00:28:35,439 Speaker 4: level of security when it comes to this stuff, and 641 00:28:35,440 --> 00:28:37,400 Speaker 4: it will say do you want to share your information 642 00:28:37,480 --> 00:28:40,440 Speaker 4: on this network or not when you connect. But to 643 00:28:40,520 --> 00:28:43,920 Speaker 4: be honest, I really like to not use free WiFi 644 00:28:44,000 --> 00:28:47,440 Speaker 4: where I can because more often than not, it's just 645 00:28:47,600 --> 00:28:49,920 Speaker 4: not a good or safe idea. And I mean it's 646 00:28:49,920 --> 00:28:53,440 Speaker 4: twenty twenty two. You probably have enough data on your phone. Yeah, 647 00:28:53,480 --> 00:28:56,360 Speaker 4: the Wi fi might be quicker, but it's not often 648 00:28:56,400 --> 00:28:59,320 Speaker 4: that advisable. You see me do that when we travel 649 00:28:59,400 --> 00:29:01,920 Speaker 4: because I used to work corporate and there was a 650 00:29:02,000 --> 00:29:07,000 Speaker 4: breach that occurred because somebody they left their laptop somewhere. 651 00:29:07,040 --> 00:29:08,840 Speaker 4: I can't remember what it was, but it was like 652 00:29:09,240 --> 00:29:12,320 Speaker 4: drilled into it. So now whenever I travel, because I 653 00:29:12,320 --> 00:29:14,280 Speaker 4: travel with my work laptop because we travel for me. 654 00:29:14,400 --> 00:29:16,640 Speaker 4: But I was literally like, bro, are you signing out 655 00:29:16,680 --> 00:29:19,240 Speaker 4: of everything so that I can't see it? Because one 656 00:29:19,240 --> 00:29:21,400 Speaker 4: time I was like, oh, Jess, can I borrow your laptop? 657 00:29:21,560 --> 00:29:23,600 Speaker 4: And You're like, let me just sign out of everything. 658 00:29:23,680 --> 00:29:25,160 Speaker 4: I was like, bro, I'm not going to go on 659 00:29:25,200 --> 00:29:27,360 Speaker 4: your Facebook, and you're like, oh, it's not because no, 660 00:29:27,680 --> 00:29:30,200 Speaker 4: like you're way smarter than me. It was drilled into us, 661 00:29:30,200 --> 00:29:34,360 Speaker 4: like anytime I take my laptop outside of the workplace, 662 00:29:34,400 --> 00:29:36,160 Speaker 4: like even if we're just traveling into state. When we're 663 00:29:36,160 --> 00:29:39,440 Speaker 4: traveling internationally, I will sign out of my emails, all 664 00:29:39,480 --> 00:29:42,880 Speaker 4: of my personal platforms, anything that could identify the business. 665 00:29:43,200 --> 00:29:46,000 Speaker 4: I do the same on my phone as well. And 666 00:29:46,200 --> 00:29:48,440 Speaker 4: we also when we traveled, we used to have to 667 00:29:49,120 --> 00:29:51,160 Speaker 4: lock our devices. So like if you went on a holiday, 668 00:29:51,200 --> 00:29:53,200 Speaker 4: like a personal holiday and you weren't taking your stuff, 669 00:29:53,240 --> 00:29:56,000 Speaker 4: the company rule was that you had to physically lock 670 00:29:56,040 --> 00:29:59,520 Speaker 4: your laptop away so that nobody could access or breach 671 00:29:59,560 --> 00:30:01,960 Speaker 4: anything you were gone. Like it was crazy because they 672 00:30:02,080 --> 00:30:05,200 Speaker 4: had it happened in the past where some really confidential 673 00:30:05,440 --> 00:30:10,360 Speaker 4: client information got out because somebody's computer was accessed while 674 00:30:10,400 --> 00:30:12,880 Speaker 4: they weren't there, and it's really really scary, and so 675 00:30:12,920 --> 00:30:14,120 Speaker 4: I know that sounds like you. 676 00:30:14,080 --> 00:30:15,920 Speaker 1: Go, who's going to look out of their Facebook when 677 00:30:15,920 --> 00:30:16,440 Speaker 1: they travel? 678 00:30:17,240 --> 00:30:19,200 Speaker 4: You're talking to me, and how many times this year 679 00:30:19,200 --> 00:30:20,680 Speaker 4: have I left a laptop. 680 00:30:20,320 --> 00:30:20,840 Speaker 1: On a flight? 681 00:30:21,240 --> 00:30:24,240 Speaker 4: Literally? Like you, you just don't know. And it's such 682 00:30:24,280 --> 00:30:28,160 Speaker 4: an easy thing. And if you didn't know, most social 683 00:30:28,200 --> 00:30:31,480 Speaker 4: networking platforms and like email platforms and stuff, you can 684 00:30:31,520 --> 00:30:33,800 Speaker 4: log out of them remotely, So if you do lose 685 00:30:33,800 --> 00:30:36,200 Speaker 4: your laptop, you can go, oh, I'm going to sign 686 00:30:36,200 --> 00:30:38,480 Speaker 4: out of every device that I'm signed into and it 687 00:30:38,520 --> 00:30:41,960 Speaker 4: will take it off of everything. Because yeah, you just 688 00:30:42,040 --> 00:30:45,120 Speaker 4: don't know. And I feel like nowadays everyone is quite 689 00:30:45,240 --> 00:30:46,959 Speaker 4: savvy with these things. You're, oh, there's a past word 690 00:30:47,000 --> 00:30:48,560 Speaker 4: on my laptop. No one's going to guess it. It's 691 00:30:48,560 --> 00:30:49,160 Speaker 4: not like it's my. 692 00:30:49,120 --> 00:30:50,600 Speaker 1: Birthday, mine's auto field. 693 00:30:51,920 --> 00:30:54,480 Speaker 4: Go, you just never know. No, we don't do that 694 00:30:54,560 --> 00:30:56,240 Speaker 4: in this house. No, we're going to change that when 695 00:30:56,240 --> 00:30:56,640 Speaker 4: we get off of it. 696 00:30:57,200 --> 00:30:58,360 Speaker 5: So sorry, all right. 697 00:30:58,400 --> 00:31:00,760 Speaker 4: Well, the last tip I've got in this laundry list 698 00:31:00,840 --> 00:31:04,840 Speaker 4: of tips is securing your mail. So this is hot 699 00:31:04,880 --> 00:31:07,120 Speaker 4: tip that I have added because I need to do 700 00:31:07,160 --> 00:31:09,920 Speaker 4: it right now. There is not a lock on my mailbox. 701 00:31:10,160 --> 00:31:13,040 Speaker 4: But there should be because we don't want people stealing 702 00:31:13,040 --> 00:31:15,800 Speaker 4: our mail. And it baffles me that I've never thought 703 00:31:15,840 --> 00:31:18,920 Speaker 4: of this personally until we decided to do this episode, 704 00:31:18,920 --> 00:31:20,800 Speaker 4: and I was sitting down being like, what should be 705 00:31:20,880 --> 00:31:24,040 Speaker 4: on this list? Literally, if you get a new credit card, Jess, 706 00:31:24,040 --> 00:31:24,920 Speaker 4: where does it get sent? 707 00:31:26,120 --> 00:31:27,680 Speaker 5: Great? Point to my letterbox? 708 00:31:27,880 --> 00:31:31,000 Speaker 4: Yeah, how are you protecting that? Yeah? 709 00:31:31,040 --> 00:31:32,120 Speaker 5: I hadn't thought about that. 710 00:31:32,120 --> 00:31:33,560 Speaker 1: That's real creepy, isn't it. 711 00:31:34,040 --> 00:31:36,760 Speaker 4: So? From my perspective, getting a locked mailbox so people 712 00:31:36,760 --> 00:31:39,520 Speaker 4: can't steal his stuff is a top priority. And the 713 00:31:39,600 --> 00:31:41,520 Speaker 4: last tip I've got in our laundry list of tips 714 00:31:41,640 --> 00:31:44,600 Speaker 4: just greachy. Now, we have done a full episode in 715 00:31:44,640 --> 00:31:48,720 Speaker 4: the past on getting scammed. It's called Scamdalous excellent name. 716 00:31:48,800 --> 00:31:51,080 Speaker 4: If I do say so, we are genius as just 717 00:31:51,160 --> 00:31:54,880 Speaker 4: thought of that. Anybody hadn't guessed. So I definitely recommend 718 00:31:54,920 --> 00:31:56,480 Speaker 4: going back and listening to that episode just to give 719 00:31:56,480 --> 00:31:59,160 Speaker 4: yourself a refresher on how you can identify scams, what 720 00:31:59,200 --> 00:32:02,160 Speaker 4: common scams are, things of that nature. That sounds like 721 00:32:02,160 --> 00:32:04,960 Speaker 4: a very Beyonce style episode, it really does. And the 722 00:32:04,960 --> 00:32:07,480 Speaker 4: thing I think I would encourage people to really consider 723 00:32:07,800 --> 00:32:10,520 Speaker 4: is if you receive a communication from somewhere that might 724 00:32:10,560 --> 00:32:13,280 Speaker 4: seem official. Does it seem like you're being rushed into 725 00:32:13,320 --> 00:32:15,560 Speaker 4: doing something? Does it seem like you're being pressured into 726 00:32:15,560 --> 00:32:17,240 Speaker 4: making a change immediately? 727 00:32:17,560 --> 00:32:17,840 Speaker 1: Scam? 728 00:32:17,840 --> 00:32:20,840 Speaker 4: I just want you to do it asap instead of like, oh, 729 00:32:20,920 --> 00:32:22,800 Speaker 4: have you got time to chat and you're like no work, 730 00:32:22,840 --> 00:32:24,240 Speaker 4: They're like, no worries, I'll call you later. 731 00:32:24,560 --> 00:32:24,840 Speaker 5: Yeah. 732 00:32:24,960 --> 00:32:25,040 Speaker 2: No. 733 00:32:25,400 --> 00:32:28,160 Speaker 4: Credit companies do not want you to make a split 734 00:32:28,200 --> 00:32:30,960 Speaker 4: second decision because that's a bad decision. Yeah, exactly right. 735 00:32:31,000 --> 00:32:33,120 Speaker 4: So if you're feeling those things, do the vibe check, 736 00:32:33,240 --> 00:32:36,000 Speaker 4: call the place, see what's up before we head out 737 00:32:36,000 --> 00:32:38,160 Speaker 4: the door of v Can you tell me where can 738 00:32:38,200 --> 00:32:41,120 Speaker 4: people find more resources for help if they do need them? 739 00:32:41,280 --> 00:32:44,160 Speaker 4: First things first, in our show notes, we will always 740 00:32:44,240 --> 00:32:47,040 Speaker 4: drop a whole heap of information pertaining to the episode 741 00:32:47,080 --> 00:32:49,680 Speaker 4: that we are talking about there, so don't worry about 742 00:32:49,680 --> 00:32:53,480 Speaker 4: writing these down. But for more information on spotting scam messages, 743 00:32:53,600 --> 00:32:58,560 Speaker 4: you can see the acsc's Detecting Socially Engineered Messages guidance, 744 00:32:58,800 --> 00:33:00,880 Speaker 4: which is obviously linked in the show notes. And if 745 00:33:00,880 --> 00:33:03,480 Speaker 4: you're concerned that your identity has been compromised or you 746 00:33:03,520 --> 00:33:05,800 Speaker 4: feel like you might have been a victim of a scam, 747 00:33:06,160 --> 00:33:10,480 Speaker 4: contact your bank immediately and call Idcare on one eight 748 00:33:10,560 --> 00:33:13,920 Speaker 4: hundred five nine five one six zero. And then if 749 00:33:13,920 --> 00:33:16,840 Speaker 4: your identity has been stolen, you can actually apply for 750 00:33:16,880 --> 00:33:20,080 Speaker 4: a Commonwealth victim certificate. And if you believe that you 751 00:33:20,120 --> 00:33:22,440 Speaker 4: are a victim of cyber crime, you need to go 752 00:33:22,480 --> 00:33:26,080 Speaker 4: to report cyber at cyber dot gov dot au. Jessica, 753 00:33:26,160 --> 00:33:27,920 Speaker 4: all right, that's a lot. I hope that that was 754 00:33:27,960 --> 00:33:30,280 Speaker 4: helpful for the people listening. We don't mean to put 755 00:33:30,280 --> 00:33:32,160 Speaker 4: the fear of God into you, but we've been doing 756 00:33:32,640 --> 00:33:35,560 Speaker 4: a lot of conversations with these breaches, and like I said, 757 00:33:35,640 --> 00:33:37,080 Speaker 4: I was a victim to one of them, and I 758 00:33:37,160 --> 00:33:39,320 Speaker 4: totally get the anxiety, which is why we wanted to 759 00:33:39,360 --> 00:33:41,840 Speaker 4: do this episode. If you've enjoyed it and you want 760 00:33:41,840 --> 00:33:44,880 Speaker 4: to talk more money, join the Facebook group. Obviously we 761 00:33:45,000 --> 00:33:48,280 Speaker 4: have what two hundred and forty thousand, two hundred and 762 00:33:48,280 --> 00:33:51,440 Speaker 4: fifty thousand people. I cannot tell you how excited I 763 00:33:51,480 --> 00:33:54,040 Speaker 4: am so that I can brag to my friends that 764 00:33:54,080 --> 00:33:57,040 Speaker 4: I have a quarter of a million people in my community. 765 00:33:57,200 --> 00:33:58,880 Speaker 5: That is absolutely insanity. 766 00:33:58,880 --> 00:34:01,840 Speaker 4: Too many people sharing tips and tricks there every single day, 767 00:34:01,960 --> 00:34:03,800 Speaker 4: free of judgment. You can search She's on the Money 768 00:34:03,840 --> 00:34:06,200 Speaker 4: on Facebook to find us. Facebook's not your thing. We're 769 00:34:06,200 --> 00:34:08,719 Speaker 4: on Instagram to share my money, are us. 770 00:34:08,800 --> 00:34:09,640 Speaker 1: We're good at memes. 771 00:34:09,760 --> 00:34:12,080 Speaker 4: Yeah, it's very cute. If you memes come on over 772 00:34:12,200 --> 00:34:14,640 Speaker 4: one thousand percent. Don't forget as well. Guys, if you've 773 00:34:14,760 --> 00:34:16,319 Speaker 4: joined the episode, we would love for you to leave 774 00:34:16,400 --> 00:34:18,840 Speaker 4: us a review. You can do it on Apple Podcasts, 775 00:34:18,960 --> 00:34:20,400 Speaker 4: or you can give us a start. I think on 776 00:34:20,440 --> 00:34:21,760 Speaker 4: Spotify now, which is fancy. 777 00:34:21,880 --> 00:34:23,400 Speaker 1: You can give stars on Spotify. 778 00:34:23,600 --> 00:34:24,000 Speaker 5: I think so. 779 00:34:24,120 --> 00:34:25,439 Speaker 1: I'm going to go and give myself one. 780 00:34:25,520 --> 00:34:27,600 Speaker 5: Oh my gosh, all right, let's go. I appreciate you. 781 00:34:27,640 --> 00:34:28,600 Speaker 5: See you next week, guys. 782 00:34:28,680 --> 00:34:36,960 Speaker 4: High The advice shared on She's on the Money is 783 00:34:37,040 --> 00:34:40,680 Speaker 4: general in nature and does not consider your individual circumstances. 784 00:34:41,000 --> 00:34:44,400 Speaker 4: She's on the Money exists purely for educational purposes and 785 00:34:44,440 --> 00:34:46,880 Speaker 4: should not be relied upon to make an investment or 786 00:34:46,960 --> 00:34:50,560 Speaker 4: financial decision. If you do choose to buy a financial product, 787 00:34:50,640 --> 00:34:54,600 Speaker 4: read the PDS TMD and obtain appropriate financial advice tailored 788 00:34:54,640 --> 00:34:58,120 Speaker 4: towards your needs. Victoria Divine and She's on the Money 789 00:34:58,120 --> 00:35:01,600 Speaker 4: are authorized representatives of Money Shopper p T Y L 790 00:35:01,640 --> 00:35:04,279 Speaker 4: T D A B N three two one six four 791 00:35:04,360 --> 00:35:07,360 Speaker 4: nine two seven seven zero eight A F s L 792 00:35:07,480 --> 00:35:11,560 Speaker 4: four five one two eight nine