Speaker 1: Hello.
Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
Speaker 2: Order KERNI Whoalbury and a waddery woman. And before we
Speaker 2: get started on She's on the Money podcast, I would
Speaker 2: like to acknowledge the traditional custodians of the land of
Speaker 2: which this podcast is recorded on a wondery country, acknowledging
Speaker 2: the elders, the ancestors and the next generation coming through
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
Speaker 2: the storytelling of you to make a difference for today
Speaker 2: and lasting impact for tomorrow.
Speaker 1: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 4: Hello, and welcome to Money the Podcast Millennials who want
Speaker 4: Financial Freedom.
Speaker 1: My name is Jessica Ricky and.
Speaker 4: Today I have a finance Queen, a Victoria Devine.
Speaker 1: I have a juice box.
Speaker 3: Jess I'm very excited about this, and I think everybody
Speaker 3: else should know that I have a juice box.
Speaker 1: I'm sure everybody else is thrilled to hear that. No
Speaker 1: one cares.
Speaker 3: Everybody who just listened to this because they were like,
Speaker 3: you know what, Oh my gosh, I've never listened to
Speaker 3: Sheese on the Money before. They would really liked to
Speaker 3: know how to protect my financial data.
Speaker 1: They're just thinking, this is not what I signed up for.
Speaker 3: So strap yourselves in because the entire episode is not
Speaker 3: what you signed up for. But what we will do
Speaker 3: today is talk to you about how to protect your
Speaker 3: financial data. And I mean this has come out because
Speaker 3: Optors recently, and even more recently than that, Wilworths and Telstra,
Speaker 3: just to name a few, have had massive data breaches
Speaker 3: and we thought it was really important more than ever
Speaker 3: to actually have a chat about this and bring it
Speaker 3: to the show. It is as always a very good
Speaker 3: reminder that we need to be on guard with our
Speaker 3: personal information, and too often we just freely give it
Speaker 3: away or don't protect it in a way that we
Speaker 3: absolutely should. We are always saying Jess that we really
Speaker 3: need to protect your credit score and your bank and
Speaker 3: your superstatements and never give out your TFN and all
Speaker 3: of that information.
Speaker 1: But today we.
Speaker 3: Are going to give you some more practical advice and
Speaker 3: actions to make sure that you're doing what you can
Speaker 3: to protect your precious data online. And we're going to
Speaker 3: be talking about how to actually identify scams and also
Speaker 3: what to do if you think that your data or
Speaker 3: identity has actually been stolen and recently, Jess, I know
Speaker 3: you haven't listened to them yet, but we have a
Speaker 3: few money diaries coming up where people have literally had
Speaker 3: their identity stolen and used to sign up for financial
Speaker 3: services products.
Speaker 1: It's unfortunately common.
Speaker 4: It's so scary to think about, and for anyone who's
Speaker 4: not up to speed, just a little quick recap on
Speaker 4: the recent events. On the twenty second of September twenty
Speaker 4: twenty two, Optus was the victim of a cyber attack
Speaker 4: that resulted in the disclosure of heaps of customers personal information,
Speaker 4: including mine.
Speaker 1: But it was really stressful in your first.
Speaker 3: Right, like if you were calling them up asking them
Speaker 3: what information that they had. And I mean, luckily for you,
Speaker 3: some of that information was like outdated. They had your
Speaker 3: old passports, so that wasn't going to work for anybody. Yes,
Speaker 3: but what if you just got your new passport and
Speaker 3: then just applied for a new phone, Like it's a
Speaker 3: fickle position to be in. Yeah, the information just closed
Speaker 3: varied person to person, but it could have included people's names,
Speaker 3: date of births, emails, drivers, licenses, medicare cards, passports, all
Speaker 3: kinds of things. That they might have had on file
Speaker 3: and often said that they have contacted all current and
Speaker 3: former customers that were affected, and the Australian Federal Police
Speaker 3: are also investigating, and it's kind of an ongoing thing
Speaker 3: at the time that we're recording this. My favorite part
Speaker 3: about that, though, Jess, in light of your next point
Speaker 3: that you're about to make, is people were jumping up
Speaker 3: and down. They're like, oh my gosh, hahaha, that's what
Speaker 3: you get. I'm with Telstra. Then what happened, Oh wow.
Speaker 4: A few weeks later, Telstra had a smaller scale cyber
Speaker 4: attack which also exposed information of current and former employees.
Speaker 1: So we shouldn't laugh.
Speaker 3: It isn't actually funny, But I just think that I
Speaker 3: had so many people message me being like, oh my gosh,
Speaker 3: lucky I'm with tels draw. This never would happen with telsdred.
Speaker 3: It's something that you cannot avoid, You honestly can't.
Speaker 4: It's really hard and it really goes to show how
Speaker 4: important it is to take steps to protect yourself because
Speaker 4: it seems like every week there are more and more
Speaker 4: breaches from all different companies. That's been Medibank and all
Speaker 4: these other places coming out recently, and I think as
Speaker 4: we move further into the digital age, it's something that
Speaker 4: is only going to continue to happen.
Speaker 3: And we need to update things. And in response to
Speaker 3: that OPTIS breach, the government actually nominated the a Triple
Speaker 3: Sees scam Watch as the first point of contact for
Speaker 3: information about what customers can actually do to protect their information,
Speaker 3: especially online. And scam Watch also has information about the
Speaker 3: current scams that are referencing the OPTUS breach and we
Speaker 3: really really really recommend you check it out as a resource.
Speaker 3: Obviously I'll put the links in the show notes for today.
Speaker 3: Let's start at the top. How common are cases of
Speaker 3: fraud in Australia. Unfortunately scary so the Australian Bureau of
Speaker 3: Statistics or the ABS. If you just say ABS, like
Speaker 3: we don't have those here at she's on the money,
Speaker 3: but we do have the ABS, so strap yourself in.
Speaker 3: The scary stats are two point one million Australians, so
Speaker 3: eleven percent of Australians have experienced one or more types
Speaker 3: of personal fraud in twenty twenty to twenty twenty one,
Speaker 3: not across the board, just in the one year WOW
Speaker 3: and the results showed an increase in the rate of
Speaker 3: personal fraud from eight point five percent in twenty fourteen
Speaker 3: to twenty fifteen to eleven percent in twenty twenty to
Speaker 3: twenty twenty one. And I'm assuming that that is just
Speaker 3: in line with the growth of the amount of content
Speaker 3: people disclose on social media, Jess. I was watching a
Speaker 3: TikTok the other day, which I'm honestly really good at.
Speaker 1: It's not just a hobby anymore.
Speaker 3: It's a future potential career path for me just to
Speaker 3: watch tiktoks. And there was this woman who basically educates
Speaker 3: people on scams and how your personal data is really
Speaker 3: easily accessible.
Speaker 1: She's a lawyer, she's like quite legit.
Speaker 3: She's in America, and she actually gets people to comment
Speaker 3: on her videos because people don't believe her. They're like,
Speaker 3: good luck finding where I live, and like she snaps
Speaker 3: back and says, Okay, yeah, right, scary because I had
Speaker 3: never really thought about it. But then when I started
Speaker 3: to look into some of the usernames that I've used
Speaker 3: in the past that are actually linked to my personal name,
Speaker 3: you can find my date of birth, Like, it's not
Speaker 3: actually hard to find my phone number on the internet.
Speaker 3: Do you know what I mean, it's actually really really
Speaker 3: intimidating when you start thinking about it, because so much
Speaker 3: of this information we just really nearly add to our profiles,
Speaker 3: because like, what's better than Victoria divide ninety one is
Speaker 3: a username that's so true.
Speaker 4: And I feel like we've all probably had a little
Speaker 4: bit of anxiety, particularly over the last couple of years,
Speaker 4: that we might have fallen victim to a data breach
Speaker 4: or to a scam or something of that nature. What
Speaker 4: should we be doing if we feel like our identity
Speaker 4: or our data has been stolen.
Speaker 3: Look, the first step that you want to take is
Speaker 3: to obviously report the breach to your ball super fund
Speaker 3: or any type of institution that you think it has
Speaker 3: happened with sofas optis, obviously reporting it with optis and
Speaker 3: making sure that for that period of time you're just
Speaker 3: freezing your accounts. So if it is your bank, instead
Speaker 3: of being like, oh, I don't know, isn't it just
Speaker 3: freeze your accounts, you absolutely can. All you need to
Speaker 3: do is call your bank, can have a chat with them,
Speaker 3: or have a chat with your super fund. Because the
Speaker 3: sooner that you can do it one the sooner it
Speaker 3: can be traced. But two the more likely it is
Speaker 3: that whoever has your information that's about to use it
Speaker 3: is going to be barred from doing that instead of
Speaker 3: racking up debt that you'll then have to negotiate your
Speaker 3: way out of. I would obviously change my password. I
Speaker 3: feel like this is just the stock standard list of
Speaker 3: things that everyone should do, but it's good to get
Speaker 3: a refresher. Then be on the lookout for really suspicious
Speaker 3: emails or phone calls or text messages or dms that
Speaker 3: you get through social media, because sometimes people will bait
Speaker 3: you into giving you more information or yes, more recently,
Speaker 3: send you a message if you send this one on
Speaker 3: what I've got it a few times and it's hey,
Speaker 3: can you call me? And I reply like what is
Speaker 3: going on? And they're like, oh, I dropped my phone.
Speaker 3: This is my friend's number. Can you give me a call? Mum?
Speaker 2: Oh I have.
Speaker 3: It's actually wild and it's funny because you know, side
Speaker 3: note completely in our team we call each other mum
Speaker 3: at it like it's just kind of like, let's call
Speaker 3: it a term of endearment, like it just does something
Speaker 3: nice for me. I'll be like, oh, thanks mum, because
Speaker 3: she's looked after me. Yeah, and vice versa. My team
Speaker 3: call me mom all the time, and Kate, our mortgage broker,
Speaker 3: got this and genuinely thought it was me.
Speaker 1: Oh my gosh.
Speaker 3: They didn't say anything other than Mum, I dropped my phone.
Speaker 1: This is it?
Speaker 3: Can you like help me? And Kate was like, oh,
Speaker 3: it must be V like, oh, of course I'll help you.
Speaker 3: Thankfully she did not get scammed because she immediately called
Speaker 3: me and I was like, what are you talking about.
Speaker 3: She was like, so you're not being like your phone
Speaker 3: isn't drowned? And I was like, no, absolutely not. But
Speaker 3: imagine if you actually were a parent and you got
Speaker 3: that message and you had like a teenage son, and
Speaker 3: that just made sense of also would message you off
Speaker 3: for friends phone. It's just getting so intricate that it
Speaker 3: makes me feel really icky.
Speaker 4: To that note, and going off of your first point
Speaker 4: about reporting breaches to companies, I would also add if
Speaker 4: you get a text, even if it seems like it's
Speaker 4: from a company that you bank with. So for example,
Speaker 4: if you bank with Bendigo Bank and you get a
Speaker 4: text saying Hi, it's Bendigobank, your data has been hacked,
Speaker 4: I would be picking up the phone and calling them
Speaker 4: from the phone number listed on their website. Because a
Speaker 4: friend of mine actually got scammed earlier this year, I
Speaker 4: think it was, And it was because she received a
Speaker 4: text from her bank, and it was in the thread
Speaker 4: that her previous bank.
Speaker 3: Actually crazy, how deep this can go?
Speaker 4: Yeah, And it was saying your account has been compromised.
Speaker 4: We just need you to update your password, log into
Speaker 4: your thing and update it. And it had the link
Speaker 4: to take you through and that link was obviously not
Speaker 4: legitimate and she lost I think it was like fifteen
Speaker 4: or twenty thousand dollars what and she did all the
Speaker 4: right thing that it came from her bank. It was
Speaker 4: on the thread with her previous communications that bank. It
Speaker 4: was actually wild how I don't know how that works,
Speaker 4: but it was someone that I personally know, not just
Speaker 4: a story in wild and she's a switched on girl.
Speaker 1: I would trust that too.
Speaker 3: And being spoken to a few of my friends who
Speaker 3: work in the banking space, I can unequivocally say your
Speaker 3: bank will never ever ever send you a link that
Speaker 3: you need to click because they know that that's what
Speaker 3: scams look like and they're trying to train you to
Speaker 3: be able to identify that. So your bank is never
Speaker 3: going to say, oh, Jess, we'll send you the link
Speaker 3: or text you a link. Maybe they will say your
Speaker 3: password has been compromised, log into your account and change it.
Speaker 3: But it's one of those things that a bank is
Speaker 3: actually never going to send you a link to click
Speaker 3: on or try and get you to share personal information
Speaker 3: or a text message thread. It's just not going to happen,
Speaker 3: and you are absolutely correct. The one thing I would
Speaker 3: do is just like google NAB's phone number and cool
Speaker 3: Nab immediately and go hey, I've just got this text message.
Speaker 3: They'll be able to work it out for you in
Speaker 3: two seconds, whether that's legitimate or not. Jess, I was
Speaker 3: actually recording some money diary solo, because turns out you're
Speaker 3: allowed to have a life and go on holidays without me,
Speaker 3: which kind of seems really weird and we need to
Speaker 3: talk about that later. But the other day I was
Speaker 3: recording a money diary and it was on front of
Speaker 3: our very very beautiful community members who one has a
Speaker 3: really good story but we won't get into it, but
Speaker 3: part of her story was that her identity got stolen
Speaker 3: when she was at UNI. She was a little bit
Speaker 3: careless with her wallet, it got lost and her identity
Speaker 3: was stolen. And the way she found out was that
Speaker 3: a policeman emailed her dad and asked for a photo
Speaker 3: of her to verify that she wasn't the person that
Speaker 3: was currently suspected of, you know, doing all of these
Speaker 3: naughty things.
Speaker 1: Oh my good watch, that's exactly. That sounds like a scam.
Speaker 1: And I was just like, what on earth?
Speaker 3: And she's like, no, that legitimately happened. And she was
Speaker 3: an adult when this happened. Why are you getting my
Speaker 3: dad involved? Her dad genuinely thought it was a scam
Speaker 3: and had to call the cops, and turns out it wasn't.
Speaker 3: They were just communicating with her in a very strange way.
Speaker 3: But in these times, question everything because to me, if
Speaker 3: someone in on my dad, what are you? Copper did
Speaker 3: a dabba? I'm telling my dad about some stuff I did.
Speaker 3: What if I don't even have a relationship with my dad,
Speaker 3: what do you do email him? How did you even
Speaker 3: find his email address?
Speaker 4: It's a great point, So, yeah, I guess the point
Speaker 4: is sometimes they are legit. So if you call in
Speaker 4: check that whoever the institution is, he's going to say, yeah, actually,
Speaker 4: we need you to update information to it here, or
Speaker 4: they're going to say, please, don't give anybody information, you're
Speaker 4: about to lose all your money.
Speaker 3: I'm so skeptical of places that the times that my
Speaker 3: bank has called me, which you know happens sometimes I do,
Speaker 3: like normal banking and business banking. I'm so skeptical that
Speaker 3: I actually go, hey, can you give me like your
Speaker 3: number and I'll call you back, And then I google
Speaker 3: the number, validate the number, and then I call them back. Sorry,
Speaker 3: I just you know, have had too many times where
Speaker 3: this has happened, and I know that that's a bit
Speaker 3: of like work around, but people these days are so
Speaker 3: smart they can actually call you through numbers that are
Speaker 3: not their numbers, and just I don't want to be stooged.
Speaker 3: I don't want to be in a situation like your
Speaker 3: friend where I'm missing a whole heap of cash when
Speaker 3: I could have just googled a number and kept myself safe. Yeah,
Speaker 3: one thousand percent. What else is on your list to
Speaker 3: keep us safe? The last two things I would say
Speaker 3: is obviously be on the lookout for those suspicious emails,
Speaker 3: but then keep a really close watch on your bank
Speaker 3: account for any unauthorized transactions. It's really really common these days.
Speaker 3: I don't experience this, Jess. I know how many times
Speaker 3: a day you log into your bank account, so you're
Speaker 3: all over this too. But do you know there are
Speaker 3: heaps of people in our community who are like, eh,
Speaker 3: I don't really check my bank I don't check my statements.
Speaker 3: I am crazy, like I check it all the time.
Speaker 3: And even with our work accounts. Someone's like, Jess, what's
Speaker 3: this And you're like, Babe, I went to Spotlight and
Speaker 3: I got Christmas decorations. I'm like, oh, that makes sense,
Speaker 3: that's nice, Like it just seemed like a really random location.
Speaker 3: And you're like, yes, I got it. While I was
Speaker 3: driving home. I question everything better safe than sorry. I'm
Speaker 3: what Christmas decorations?
Speaker 1: Did you get?
Speaker 4: Those?
Speaker 3: Were they cute? Because that's not a scam. But the
Speaker 3: other thing is you can actually call and request a
Speaker 3: temporary ban on your credit report to ensure that there
Speaker 3: are no unauthorized loans or applications made in your name,
Speaker 3: which I think so many people don't know exist. Because
Speaker 3: you know how you call your bank, can you freeze
Speaker 3: your accounts and stuff? You can actually call and get
Speaker 3: your credit paused so that no one can take a
Speaker 3: loan out in your name. I mean, you can't even
Speaker 3: take a loan out in your name. Would definitely be temporary,
Speaker 3: but just to make sure things are safe and secure. Yeah,
Speaker 3: which is a really good idea because we've spoken about before.
Speaker 3: You know, when people take your identity, maybe they don't
Speaker 3: do something with it right away. Maybe they sit on
Speaker 3: it for a little bit and then like this money
Speaker 3: diarist that I had the other week, it took a
Speaker 3: year before the person who stole her data use it.
Speaker 1: Yeah.
Speaker 4: Year, And people are not very nice sometimes, And so
Speaker 4: if you put that freeze on, it gives you a
Speaker 4: little bit of protection. I feel like it also kind
Speaker 4: of gives you a bit of a trail as well,
Speaker 4: so you can be like, hey, like I took all
Speaker 4: of the appropriate actions, I did everything right. If something
Speaker 4: still happens, you know, at least you know that you've
Speaker 4: taken all the steps, and hopefully, if you have insurance
Speaker 4: or if it's through a bank or whatever, you'll be
Speaker 4: able to rec cover whatever you lose. And at least
Speaker 4: you can show that, within your realm of power, you
Speaker 4: did everything that you could. Yeah, it also gives you
Speaker 4: a bit of time to get new documentation, Like if
Speaker 4: your passport has been stolen, you can get a new
Speaker 4: one within that period of time, or you can get
Speaker 4: a driver's license re issued, or you can get new
Speaker 4: credit cards. And it just puts you in a position
Speaker 4: where everything's on hold and you can kind of sort
Speaker 4: your life out. Yeah all right, So what are some
Speaker 4: signs of identity thefts that we should be keeping an
Speaker 4: eye out for? Fake mustaches, good to know, the peloff
Speaker 4: kind that you twirl with your fingers.
Speaker 3: Yeah, yeah, yeah, yeah, they're really good ones. I also
Speaker 3: like to wear a sombrero with them for added effect.
Speaker 3: But if your identity has been stolen, it can take
Speaker 3: a little while to realize. As I said, it took
Speaker 3: twelve months before our money dirests stolen information had been used.
Speaker 3: They literally sat on it and then waited. And I
Speaker 3: think that that's you know, you lose your wallet, nothing happens,
Speaker 3: nothing's negative, You loosen up a bit, you're not so worried,
Speaker 3: and then when it does start happening, it takes you
Speaker 3: ages to realize because you've stopped checking your bank accounts
Speaker 3: so regularly, you've stopped looking at your credit application. Why
Speaker 3: would you it happened more than a year ago. It's
Speaker 3: not stressful anymore, but any type of unusual bills or
Speaker 3: charges that you don't recognize appearing on your bank statement.
Speaker 3: One thing that I would be really careful of is
Speaker 3: mail that you're expecting to arrive that then either doesn't
Speaker 3: arrive or it does arrive, and it just feels a
Speaker 3: little bit off. One thing that I have done recently
Speaker 3: is change all of my mail that gets sent out,
Speaker 3: so bank statements and like electricity bills all over to email,
Speaker 3: because I feel like physical is really scary. Our money
Speaker 3: are is that you haven't listened to yet, Jess. She
Speaker 3: suspects that the person that stole her identity was swinging
Speaker 3: past her house to pick up the mail to like
Speaker 3: finish credit applications and stuff.
Speaker 1: Wow, so creepy, so weird.
Speaker 3: The next is that you get calls or texts about
Speaker 3: products and services that you've never actually used or engaged with,
Speaker 3: really strange emails that turn up you in your inbox,
Speaker 3: and a sudden increase in suspicious phone calls or text
Speaker 3: messages or even just messages and through social media. So
Speaker 3: there's lots of different ways, and not all of them
Speaker 3: are immediately like, hey, Jess, here's a statement for a
Speaker 3: credit card you never applied for. It might just be
Speaker 3: really weird phone calls of being like, hey, Jess, you're
Speaker 3: short on this and you go, no, I'm not.
Speaker 1: I definitely didn't do that.
Speaker 3: So let's just this episode might put the fear of
Speaker 3: God into a lot of people, but I think just
Speaker 3: being vigilant is the most important thing here.
Speaker 4: Already, we're going to go to a really quick break
Speaker 4: and when we come back, we're going to be talking
Speaker 4: tangible tips.
Speaker 1: So don't go anywhere, guys.
Speaker 4: Alrighty, everybody, we are back, and Victoria, I want to
Speaker 4: know your tips that people can use to help protect
Speaker 4: themselves and their financial data against attacks.
Speaker 3: I have a laundry list. I'm excited. Right you're sitting.
Speaker 3: Are you ready? It's taking me ages to pull together
Speaker 3: because I wanted it to be as comprehensive and useful
Speaker 3: as possible, which is why it is so extensive. So
Speaker 3: if you're not ready, maybe pause, grab a cup of
Speaker 3: tea and come back. This is the time for you
Speaker 3: to be live. So first thing first, we are going
Speaker 3: to regularly check our credit reports. I say this all
Speaker 3: the time, literally, I'm obsessed with saying it.
Speaker 1: It can be free.
Speaker 3: You can even sign up for a free credit monitoring
Speaker 3: email that will consistently come into your inbox to make
Speaker 3: sure that you are safe and secure, so that is
Speaker 3: free and easy to do. Update your devices so cybercriminal
Speaker 3: hack devices using known weaknesses in our systems or apps
Speaker 3: means that if you update your security consistently, you're going
Speaker 3: to fix these weaknesses in your apps so that there
Speaker 3: won't be as many breaches. I do this personally by
Speaker 3: making sure that I have automatic updates on my phone
Speaker 3: so that when my phone is beside my bed charging
Speaker 3: at night and connected to Wi Fi, it just does
Speaker 3: it so that I'm not using all of my data.
Speaker 3: Use the secure password Manager, and there are a lot
Speaker 3: of them around these days, and these will often tell
Speaker 3: you if there's been a leak of your data on
Speaker 3: the dark web or if your passwords are compromised. And
Speaker 3: also you don't need to remember any of your passwords
Speaker 3: with this. They like auto fill, so it feels easier
Speaker 3: but it's safer.
Speaker 4: Google did that for me recently. I got an email
Speaker 4: I was like, ninety seven of your passwords are compromise
Speaker 4: and I was like, oh my god, what.
Speaker 3: How do you have ninety seven passwords, Jessica, I can't.
Speaker 1: Even remember the three that all involve.
Speaker 3: My own name.
Speaker 1: I feel like ninety seven might be a small exaggeration,
Speaker 1: but it was a lot. I will go with it.
Speaker 3: The next tip I've got for you is using multi
Speaker 3: factor authentication. This really annoys our team, jess you can
Speaker 3: probably agree with this one, but multi factor authentication improves
Speaker 3: your security by increasing the difficulty for cybercriminals to actually
Speaker 3: access your files or accounts. So anytime anyone banks in
Speaker 3: our office or like pays an invoice or does their job,
Speaker 3: I get a text message.
Speaker 1: And you need the code.
Speaker 3: So it's one of those things that for me makes
Speaker 3: me feel far more secure because I don't want to
Speaker 3: lose money, but I also don't want to be compromised.
Speaker 3: I have the same on my email and on my Facebook.
Speaker 3: I use Google Authenticator, and basically I have an app
Speaker 3: on my phone and it generates one time use codes
Speaker 3: and when I go to log in, I put my username,
Speaker 3: my password and then click signing, and then it'll go
Speaker 3: to a second page and be like, what is the
Speaker 3: code on your authentic heidapp? And to me, that one
Speaker 3: makes me feel a lot more secure.
Speaker 2: But do.
Speaker 3: I just think it's smart because the more time flies,
Speaker 3: the more likely you are to be hagged or have
Speaker 3: someone trying to access your personal information. I just want
Speaker 3: to make it as hard as possible for them, you know,
Speaker 3: make them really work for it.
Speaker 1: Jess.
Speaker 4: Yeah.
Speaker 3: The other thing if you don't actually have access to
Speaker 3: multi factor authentication is use a secure passphrase. So in
Speaker 3: cases where you can't use multi factor authentication, a secure
Speaker 3: passphrase can often be the only thing protecting your information
Speaker 3: and account from criminals, which is kind of scary. Then
Speaker 3: the next thing, do you do this? I feel like
Speaker 3: you've got a semi nerdy boyfriends who you might do
Speaker 3: this to use a VPN. I'm pretty sure we have
Speaker 3: one hooked up a hat. So a VPN is a
Speaker 3: virtual private network. I have one on my phone. I
Speaker 3: have downloaded it. I actually didn't discover this for my
Speaker 3: own security, Jess. This is slightly embarrassing. The app I
Speaker 3: have is called Nord VPM, so you remember like Nord Security.
Speaker 3: It's like collegic company. Anyway, I really wanted to watch
Speaker 3: the Real Housewives of Beverly Hills when I was in
Speaker 3: New Zealand. Recently, it's on Hulu and that wasn't actually
Speaker 3: available in New Zealand. So when I was trying to
Speaker 3: log in and like cast it to the TV because
Speaker 3: I was obviously having a very exashing holiday watching my
Speaker 3: favorite show with the glass of wine, it was like,
Speaker 3: this isn't available in your area. So I was like,
Speaker 3: oh my gosh, this is going to ruin my entire
Speaker 3: holiday if I can't watch the show, I'm gonna have
Speaker 3: to download this app. So did all the googling, worked
Speaker 3: it out, downloaded Nord VPN, and I could change my
Speaker 3: location so that anybody on the Internet when they're looking
Speaker 3: at my IP address don't actually get to see my
Speaker 3: real IP address, which means one I could watch whatever
Speaker 3: show I wanted, but two I'm actually far safer and
Speaker 3: more secure. And now that's how I operate across the board,
Speaker 3: which I think everybody should. It is a paid app,
Speaker 3: but I do think it is worth it. The next
Speaker 3: tip is just to please be smarter with your social
Speaker 3: media usage. Tip it's cape personal information off social networks.
Speaker 3: Honestly terrifying. You told me about this the other day
Speaker 3: that scammers can actually find out where you leave and
Speaker 3: work through your posts. Obviously, if you're posting your workplace.
Speaker 3: But Jess, you were telling me that Instagram would actually
Speaker 3: do you tag the photo and you had automatically turned
Speaker 3: it off or something.
Speaker 2: Yeah.
Speaker 4: So I'm super paranoid about location specifically because Internet safety
Speaker 4: scares me. And I have my location services on my
Speaker 4: phone off because I watched this the social socialatum, Yes,
Speaker 4: the social dilemma something like that. Yeah, I watched it,
Speaker 4: and I freaked out and turned off all of my locations.
Speaker 3: She didn't just freak out, She called me and did this.
Speaker 3: So we have each other on Find my Friends and
Speaker 3: now I have no friends. It was just a whole thing.
Speaker 1: Yeah.
Speaker 4: So Instagram can do it, but even just the photos
Speaker 4: within your phone do it as well, automatically if you
Speaker 4: don't turn it off. And so if you were to
Speaker 4: lose your phone, for example, I have an iPhone. I
Speaker 4: don't know if Android does this too, but if you
Speaker 4: lost your phone and you took a photo at home,
Speaker 4: that could be.
Speaker 1: I know that if your location services are on and
Speaker 1: you can talk. Oh my gosh.
Speaker 3: Actually I know mine are on because when I go
Speaker 3: to my albums on my phone, it has places, and yeah,
Speaker 3: I can just zoom in and say, look eighty four
Speaker 3: hundred photos.
Speaker 1: Probably spend a lot of time there.
Speaker 3: Oh, yes, that's literruly my house.
Speaker 4: Yeah, so you can turn off if you go into
Speaker 4: your phone's settings, you can.
Speaker 1: Turn off oh it's cutee some of those.
Speaker 4: Yeah, but you can turn off your location settings holistically,
Speaker 4: or you can turn it off for specific apps as well.
Speaker 4: But yeah, you have to think a little bit bigger
Speaker 4: picture because you go, oh, I just won't post my
Speaker 4: front door, like I won't tag my local suburb. But
Speaker 4: even it's showing your local coffee shop, the DS, you know,
Speaker 4: or all of these little things that if someone is
Speaker 4: really paying attention, they can put together a pretty good
Speaker 4: picture of where you're spending time.
Speaker 1: On what you're doing.
Speaker 4: So it's just being super conscious about what you're putting
Speaker 4: out there because you don't know who's watching.
Speaker 3: And I think people try to be really sneaky about this.
Speaker 3: This is something I see in our community all the time.
Speaker 3: And if you're comfortable with that, keep doing it. I
Speaker 3: never would do it though, And that's posting a picture
Speaker 3: of you putting your souled sticker up on the house
Speaker 3: that you just purchase.
Speaker 1: I have strong feelings about this, do.
Speaker 3: You as well?
Speaker 2: Yeah?
Speaker 1: Because I used to work in real estate. Do you
Speaker 1: know how easy it is?
Speaker 4: Like the amount of people that I went to high
Speaker 4: school with that have bought houses post a photo. I've
Speaker 4: been like, well, I want to know what that house
Speaker 4: looks like, sad I founded in about five minutes.
Speaker 3: Yeah, it's not even hard. And I'm a creep as well.
Speaker 3: Like there have been influencers who have posted their sold
Speaker 3: thing and they think that they're being really smart because
Speaker 3: they like white out the real estate agent's number and
Speaker 3: like what it is, but they leave up the description. Mate,
Speaker 3: I can just google that it's going to come up.
Speaker 3: And also even if you like rub out who it is, like,
Speaker 3: this is outing me as an absolute creep. But like,
Speaker 3: I know yellow is ray White. Yeah, like I know
Speaker 3: what real estate agent you have gone through, and therefore
Speaker 3: I'm very likely to find it on the ray White
Speaker 3: website under recently sold. I'm just going to scroll through
Speaker 3: and be like, that's probably it because the picture will
Speaker 3: stay up anyway. I just think that that is compromising
Speaker 3: your privacy. Steve and I when we bought our house,
Speaker 3: You'll remember this, Jess, we just got to picture outside
Speaker 3: the house, like in an area of the house that
Speaker 3: you absolutely cannot see from Mill Street, and we used
Speaker 3: a sold sticker not from the same company that we
Speaker 3: bought the house from, because I was just like, one,
Speaker 3: I have a lot of real estate friends around. I
Speaker 3: was basically like, can I have a sticker because the
Speaker 3: other one stuck to the board. But two, I was
Speaker 3: kind of like, oh, can it not be from this
Speaker 3: particular company, because I just I don't want to compromise
Speaker 3: my privacy like that. And I mean it is, from
Speaker 3: my perspective, a little bit hypocritical as well, because I
Speaker 3: do tag local cafes and I do share a fair
Speaker 3: bit on social media, like you guys know I'm in
Speaker 3: and around Melbourne. I just I don't need you knowing
Speaker 3: my pinpointed location. Yeah, and I think it can be
Speaker 3: really jarring, but I think we do need to be
Speaker 3: really aware of that because, as you said, Jess, if
Speaker 3: you saw someone buy a house, you're gonna google it,
Speaker 3: especially if you grew up.
Speaker 1: With them or you knew them.
Speaker 3: But that's just I guess a wholesome person looking something
Speaker 3: up you you just don't know who can also look
Speaker 3: it up, who might not be as kind or as
Speaker 3: just pervy as you are. Right, Yeah, Look, The next
Speaker 3: tip I've got for you guys is back up your
Speaker 3: devices and set them to regularly auto back up. I
Speaker 3: say this because you can automatically restore your files in
Speaker 3: case your device is ever hacked or lost or stolen
Speaker 3: or damaged. I know, I have so many photos on
Speaker 3: my phone, Like I am nearly a psychoticist jest when
Speaker 3: it has to taking photos, but I would be heartbroken
Speaker 3: if they got lost. And sometimes if your device has
Speaker 3: been hacked, it just needs to be completely wiped. Like
Speaker 3: there's no opportunity to take some of the files off
Speaker 3: because they could be compromised. But if you backed up
Speaker 3: your phone, basically that device can be destroyed, it's absolutely fine.
Speaker 3: It could be completely wiped and then you could just
Speaker 3: restore an older backup that does not have the virus
Speaker 3: or the hacking on it. The next thing is secure
Speaker 3: or shred your sensitive documents. Recently we have got our
Speaker 3: own shredder in the office with a lost shredder.
Speaker 1: I love the shredder. I love it. I love it.
Speaker 3: And it's not like an old school one where you
Speaker 3: get the little like you know, the strips of paper
Speaker 3: open down shred up just ben It's like confetti. Really like,
Speaker 3: good luck, good luck piecing that together.
Speaker 1: Friends.
Speaker 3: Yeah, I feel far safer because someone's always like, what's
Speaker 3: shredding got to do? If someone wants to steal my
Speaker 3: bank details, Like, I'm really good at puzzles, maybe I
Speaker 3: would just like put them up on the wall like
Speaker 3: I'm some kind of like true crime investigator and work
Speaker 3: out what the letter said. But no chance with my shredder.
Speaker 3: But I think that you should be shredding literally everything
Speaker 3: that is not of use to you. So letters from
Speaker 3: your bank, super fund, or employee details, literally anything that
Speaker 3: people could use to steal your identity from my perspective,
Speaker 3: should be shared, save them in a safe location. Something
Speaker 3: that I do if I think it's really important, Like
Speaker 3: I got a letter being like, hey, here's your TFN,
Speaker 3: I take a photo of it, or I use the
Speaker 3: scanner app and upload it to my emails and file
Speaker 3: it away so I know I've got a digital copy
Speaker 3: of it. I don't need the physical copy anymore. I
Speaker 3: feel like historically I used to just keep those things
Speaker 3: lying around Denada in this house.
Speaker 1: The next thing.
Speaker 3: Is be really careful with public computers and also public
Speaker 3: Wi Fi. So if you're using a public computers, like
Speaker 3: for example, at the library, you need to one make
Speaker 3: sure that you're clearing your Internet history and logging out
Speaker 3: of every single account, because that's just giving people a
Speaker 3: ticket to go and read through your emails. Yeah, but two,
Speaker 3: public Wi Fi is actually quite dangerous because they're not secured.
Speaker 3: And if you join a network that a hacker is on,
Speaker 3: instant connection, like you're able to actually instantly connect with them.
Speaker 3: And there are some devices like Apple has a higher
Speaker 3: level of security when it comes to this stuff, and
Speaker 3: it will say do you want to share your information
Speaker 3: on this network or not when you connect. But to
Speaker 3: be honest, I really like to not use free WiFi
Speaker 3: where I can because more often than not, it's just
Speaker 3: not a good or safe idea. And I mean it's
Speaker 3: twenty twenty two. You probably have enough data on your phone. Yeah,
Speaker 3: the Wi fi might be quicker, but it's not often
Speaker 3: that advisable. You see me do that when we travel
Speaker 3: because I used to work corporate and there was a
Speaker 3: breach that occurred because somebody.
Speaker 4: They left their laptop somewhere. I can't remember what it was,
Speaker 4: but it was like drilled into it. So now whenever
Speaker 4: I travel, because I travel with my work laptop because
Speaker 4: we travel for me.
Speaker 3: But I was literally like, bro, are you signing out
Speaker 3: of everything so that I can't see it? Because one
Speaker 3: time I was like, oh, Jess, can I borrow your laptop?
Speaker 3: And You're like, let me just sign out of everything.
Speaker 3: I was like, bro, I'm not going to go on
Speaker 3: your Facebook, and you're like, oh, it's not because no,
Speaker 3: like you're way smarter than me.
Speaker 4: It was drilled into us, like anytime I take my
Speaker 4: laptop outside of the workplace, like even if we're just
Speaker 4: traveling into state, when we're traveling internationally, I will sign
Speaker 4: out of my emails, all of my personal platforms, anything
Speaker 4: that could identify the business. I do the same on
Speaker 4: my phone as well. And we also when we traveled,
Speaker 4: we used to have to lock our devices. So like
Speaker 4: if you went on a holiday, like a personal holiday
Speaker 4: and you weren't taking your stuff, the company rule was
Speaker 4: that you had to physically lock your laptop away so
Speaker 4: that nobody could access or breach anything you were gone.
Speaker 4: Like it was crazy because they had it happened in
Speaker 4: the past where some really confidential client information got out
Speaker 4: because somebody's computer was accessed while they weren't there, and
Speaker 4: it's really really scary. And so I know that sounds
Speaker 4: like you.
Speaker 1: Go, who's going to look out of their Facebook when
Speaker 1: they travel?
Speaker 3: But you're talking to me, And how many times this
Speaker 3: year have I left a laptop.
Speaker 1: On a flight?
Speaker 3: Literally?
Speaker 4: Like you, you just don't know. And it's such an
Speaker 4: easy thing. And if you didn't know, most social networking
Speaker 4: platforms and like email platforms and stuff, you can log
Speaker 4: out of them remotely. So if you do lose your laptop,
Speaker 4: you can go, oh, I'm going to sign out of
Speaker 4: every device that I'm signed into and it will take
Speaker 4: it off of everything.
Speaker 1: Because yeah, you just don't know.
Speaker 4: And I feel like nowadays everyone is quite savvy with
Speaker 4: these things. You're, oh, there's a past word on my laptop.
Speaker 4: No one's going to guess it. It's not like it's my.
Speaker 3: Birthday, mine's auto field.
Speaker 4: Go, you just never know. No, we don't do that
Speaker 4: in this house. No, we're going to change that when
Speaker 4: we get off of it.
Speaker 1: So sorry, all right.
Speaker 3: Well, the last tip I've got in this laundry list
Speaker 3: of tips is securing your mail. So this is hot
Speaker 3: tip that I have added because I need to do
Speaker 3: it right now. There is not a lock on my mailbox,
Speaker 3: but there should be because we don't want people stealing
Speaker 3: our mail. And it baffles me that I've never thought
Speaker 3: of this personally until we decided to do this episode,
Speaker 3: and I was sitting down being like, what should be
Speaker 3: on this list? Literally, if you get a new credit card, Jess,
Speaker 3: where does it get sent?
Speaker 1: Great point to my letterbox? Yeah, how are you protecting that?
Speaker 4: Yeah?
Speaker 1: I hadn't thought about that. That's real creepy, isn't it?
Speaker 3: So? From my perspective, getting a locked mailbox so people
Speaker 3: can't steal his stuff is a top priority. And the
Speaker 3: last tip I've got in our laundry list of tips
Speaker 3: just greachy.
Speaker 4: Now, we have done a full episode in the past
Speaker 4: on getting scammed. It's called Scamdalous, excellent name.
Speaker 1: If I do say so.
Speaker 3: We are genius as just thought of that. Anybody hadn't guessed.
Speaker 4: So I definitely recommend going back and listening to that
Speaker 4: episode just to give yourself a refresher on how you
Speaker 4: can identify scams, what common scams are, things of that nature.
Speaker 4: That sounds like a very Beyonce style episode, it really does.
Speaker 4: And the thing I think I would encourage people to
Speaker 4: really consider is if you receive a communication from somewhere
Speaker 4: that might seem official, does it seem like you're being
Speaker 4: rushed into doing something? Does it seem like you're being
Speaker 4: pressured into making a change immediately?
Speaker 1: Scam?
Speaker 3: I just want you to do it asap instead of like, oh,
Speaker 3: have you got time to chat? And you're like no work,
Speaker 3: They're like, no worries, I'll call you later.
Speaker 1: Yeah.
Speaker 2: No.
Speaker 3: Credit companies do not want you to make a split
Speaker 3: second decision because that's a bad decision. Yeah, exactly right.
Speaker 3: So if you're feeling those things, do the vibe check,
Speaker 3: call the place, see what's up before we head out
Speaker 3: the door of v Can you tell me where can
Speaker 3: people find more resources for help if they do need them?
Speaker 3: First things first, in our show notes, we will always
Speaker 3: drop a whole heap of information pertaining to the episode
Speaker 3: that we are talking about there, so don't worry about
Speaker 3: writing these down. But for more information on spotting scam messages,
Speaker 3: you can see the acsc's Detecting Socially Engineered Messages guidance,
Speaker 3: which is obviously linked in the show notes. And if
Speaker 3: you're concerned that your identity has been compromised or you
Speaker 3: feel like you might have been a victim of a scam,
Speaker 3: contact your bank immediately and call Idcare on one eight
Speaker 3: hundred five nine five one six zero. And then if
Speaker 3: your identity has been stolen, you can actually apply for
Speaker 3: a Commonwealth victim certificate. And if you believe that you
Speaker 3: are a victim of cyber crime, you need to go
Speaker 3: to report cyber at cyber dot gov dot au.
Speaker 4: Jessica, all right, that's a lot. I hope that that
Speaker 4: was helpful for the people listening. We don't mean to
Speaker 4: put the fear of God into you, but we've been
Speaker 4: doing a lot of conversations with these breaches, and like
Speaker 4: I said, I was a victim to one of them,
Speaker 4: and I totally get the anxiety, which is why we
Speaker 4: wanted to do this episode.
Speaker 1: If you've enjoyed it and you want to talk more money,
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Speaker 1: going to go and give myself one. Oh my gosh,
Speaker 1: all right, let's go. I appreciate you. See you next week, guys.
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