Facebook Privacy and Security Info Graphic
Thanks to Naomi Paton from BestComputerScienceSchools.net for sharing this Facebook Privacy Infographic!
If you are one of the 40 million customers who have used a credit or debit card at Target stores in the United States between November 27 and December 15, you’d better start checking your accounts for fraudulent activity. Target confirmed that the data stored on the magnetic strip of cards (customer names, debit or credit card numbers, and card expiration dates) were taken, along with the three-digit security codes (CVVs) often imprinted on the backs of cards.
The type of data stolen would allow thieves to create counterfeit credit cards and, if pin numbers were intercepted, would also allow thieves to withdraw cash from ATM machines. Only in store purchases are at risk, so online shoppers need not worry.
Target spokeswoman Molly Snyder would not comment on how customers’ data were stored or encrypted prior to the attack, saying that would be part of the ongoing investigation. Target immediately notified law enforcement authorities and financial institutions, and the issue is being investigated by the Secret Service and a third-party forensics firm.
As you head into the holiday season, one of the best steps you can take to protect your bank account is to eliminate the use of your debit card. While delivering a keynote speech in Washington DC last week, someone asked me if I could name ten times when you should NOT use a debit card. I replied, “It’s a trick question because the answer is NEVER!” I seriously do feel that way, but I know there are people who either need to or prefer to use a debit card rather than a credit card or cash, so I want you to be informed about how to use it wisely.
The past two blogs have outlined why seniors are targeted, what signs to watch for, and some common schemes. Now for the truly important info: How to prevent elder fraud from happening and what to do if it does happen!
In our previous blog we talked about why senior citizens have become such a target for con artists and even unscrupulous relatives to commit elder fraud and take their hard-earned money. We also talked about signs that they may be being duped. Today, we want to make you aware of the variety of schemes that are out there. This is by no means a complete list, but will give you a pretty good idea of what to watch for.
Imagine spending your whole life working hard, saving wisely and spending conscientiously—only to have your comfy “nest egg” taken away by unscrupulous scammers or even your own greedy relatives in your golden years. Sad to say, this is a scenario that is far too common; up to 80% of scam victims are over 65, according to the U.S. Federal Trade Commission. A 2009 study by MetLife’s Mature Market Institute estimates that seniors lose approximately $2.6 billion per year to elder fraud, or what they call financial abuse, meaning fraud by outside scammers or theft by family members and acquaintances.
And this issue will take on even more importance in the years to come as the senior population in America grows. According to the U.S. Census Bureau, there were 37.3 million people 65 and older in the United States as of 2006. This group is expected to double in size within the next 25 years. By 2030, almost 1-out-of-5 Americans – some 72 million people- will be 65 years or older.
[youtube http://www.youtube.com/watch?v=LsezLe4l4fE&rel=0]
“Who is the bigger spy, the NSA or Google?”
I thought that was a really fascinating question. Of course, it comes because in the last couple of months the NSA has been outed by Edward Snowden, the former NSA employee. The NSA (National Security Agency) has been spying on our phone calls- who we’re calling and when, our emails- who we’re emailing and what about, and even our social media posts.
The latest scandal is called “Muscular”. Somehow, the NSA has gotten between the transmissions of Google and Yahoo. In other words, the NSA has been “sniffing” the emails going back and forth between the two largest email providers in the US and this has angered the tech giants like Google, Yahoo, and Facebook.
What makes a privacy expert nervous? Glimpsing the size of the iceberg under the surface. When National Security Agency contractor Edward Snowden became a whistle blower earlier this year, I think we all knew we were really just seeing the tip of the iceberg about exactly how much information the NSA was gathering on the average American citizen. And it was a pretty large tip to start with.
Here’s a reminder of what started the whole thing. Snowden provided reporters at The Guardian and The Washington Post with top-secret documents detailing two NSA surveillance programs being carried out by the U.S. Government, all without the average voter’s knowledge. One gathers hundreds of millions of U.S. phone records and the second allows the government to access nine U.S. Internet companies to gather all domestic Internet usage (so they are tapping pieces of your phone calls and emails, in other words). The intent of each program respectively is to use meta-data (information about the numbers being called, length of call, etc., but not the conversation itself, as far as we know) to detect links to known terrorist targets abroad and to detect suspicious behavior (by monitoring emails, texts, social media posts, instant messaging, chat rooms, etc.) that begins overseas. As a privacy expert, I understand the need to detect connections among terrorists; the troubling part is the scope of the information being gathered.
National Public Radio and the Center for Investigative Reporting recently presented a four part series about privacy (online and off) called, Your Digital Trail. To get the gist of how little privacy you have as a result of the social media, credit cards and mobile technology you use, watch this accurate and eye-opening explanation of how you are constantly being tracked.
[youtube http://www.youtube.com/watch?v=bqWuioPHhz0]Marketers, data aggregators, advertisers, the government and even criminals have access to a vivid picture of who you are. NPR calls it your digital trail; for years, I’ve referred to it as your digital footprint. Let’s take quick look of what makes up your digital footprint.