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2 startlingly simple tips to prevent and recover from poisonous software (malware) on your phones and such!

Posted on November 23, 2015 in hntbh - 0 comments - 0
malwareIn a galaxy far far away …
Android and Apple devices (yes that precious iPad too) can be victims to poisonous software (“malware”) that can invade our personal lives. Malware can…
  • Take pictures and videos at will and post them on the internet (but it is ok, because you are never are with your phone in the bathroom or in a compromising position šŸ˜‰
  • Read and use text messages, Facebook posts, contact details, and listen to your phone calls
As technology has increasingly become embedded in our lives (cars, phones, pacemakers, computers), the speed of poisonous software also continues to keep pace. There are principles you can adopt now that apply to ALL your connected devices. In this piece, I highlight one of these below:
Tip #1 (safety):
  • Ā  Never click on a link
Malware is installed in most cases because we humans receive a message (text message, email, instagram message) and click on a link. The link has disguised itself as a legitimate link, but the click allows malware to be installed on your device. From there bad things happen.
Tip #2 (sanity!!):
  • Ā Backup your data OFF the device
There are many methods, but simply be sure what you care about is saved on another device. This way when malware happens (or loss, theft, or dropping phone into a lake), you can restore the default software and replace your backup onto the device. The only recommended way to recover from a malware event.
If this was helpful to you or your family, please check out the other principles and 63 additional tips by freely exploring How Not To Be HackedĀ online using Amazon’s ‘peak inside’ feature. Feel free to message me online anytime with questions. Together we can protect our community and enjoy technology safely and securely.
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How Criminals stole $50M in tax returns, and how this will happen again

Posted on June 1, 2015 in hntbh - 0 comments - 0

This week there was a lot of media attention on how Criminals accessed over a 100,000 U.S. Citizen tax returns, and then used this in a successful attack to file requests for tax refunds totaling over $50,000,000. If you were a victim of this, please immediately begin working with the iRS to secure your tax returns (you can activate a two-factor type authentication to prevent these attacks in the future).

It is important to know – the IRS WAS NOT HACKED. The criminals used data gathered from other data breaches and public information to trick the IRS system into thinking they were you. This is a principle raised in the book, once your data is breached it is ALWAYS breached. So, 12 months of monitoring or short term protection won’t suffice.

If you have the book (release is first weeks of June!!!), please visit the last two chapters that cover recovery. These will give you great protections and assurances.

Here is how the IRS was attacked, and no it is not complicated. In fact, we will see these types of “attacks” against many institutions relying on such information for authentication:

process_flow_irs_attack

Ask questions on www.facebook.com/hntbh

Best,

James

*Credits to Van Gogh for the image, and Privacy Rights for the stats on last year’s data breaches.

 

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Mind those bank statements, they effect your liability for ATM & Debit accounts

Posted on May 1, 2015 in hntbh - 0 comments - 0

One of the first pieces of advice shared is to stop using your Debit Card. Most banks allow you to have an ATM card issued that is perfect for grabbing cash on the go. The reasons are many, but the most important centers of you liability for funds in these accounts.

Quite simply, if money is transferred out of your bank accounts (ATM / Debit Card #s) that money is gone, forever. There is a window of time though for you, and this is based on your bank statements. In the days of electronic statements this can become slippery (meaning when you receive a paper statement you may flip through quickly and see if anything jumps at you, but electronic statements I believe are far less reviewed).

AboveĀ is a simple table from the FTC showing the time elapsed from the release of a bank statement/notification and how much you owe. Note, at 60 days you are liable for “All the money taken fromĀ your ATM/debit card account, and possibly more…” yikes!

Update on the book – YES, it is nearly completed. The reviews have been very encouraging and I am humbled by all the time folks have helped make it great. May is the month! Stay tuned and visit www.Facebook.com/hntbh for more community news.

Best,

James

Some additional readings from Huffington Post on Debit Card Fraud, and even TimeĀ Magazine getting the news out!

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Bored w/ Security warnings? You are not alone – MRIs show our brains shutting down when we see security prompts

Posted on March 30, 2015 in hntbh - 0 comments - 0

Anderson, et al imageEver find yourself just click click clicking through every message box that pops up? Most people click through a warning (which in the land of Web Browsers usually means STOP DON’T GO THERE!!) in less than 2 seconds. The facts seem to be due to be from habituation – basically, you are used to clicking, and now we have the brain scans to prove it!

What does this mean for you? Well specifically you won’t be able to re-wire your brain, but perhaps you can turn up the settings on your web browser to not allow you to connect to a site that has the issues your web browser is warning against. Simple – let the browser deal with it and take away one nuisance.

From the study:

The MRI images show a “precipitous drop” in visual processing after even one repeated exposure to a standard security warning and a “large overall drop” after 13 of them. Previously, such warning fatigue has been observed only indirectly, such as one study finding that only 14 percent of participants recognized content changes to confirmation dialog boxes or another that recorded users clicking through one-half of all SSL warnings in less than two seconds.

via MRIs show our brains shutting down when we see security prompts | Ars Technica. (photo credit Anderson, et al)

Don’t forget to check out – www.facebook.com/hntbh if you are looking for quick reminders. The book is coming along and chapter releases are (finally) coming in April!

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Chipped Credit Cards coming soon, and expected fraud increase

Posted on January 19, 2015 in hntbh - 0 comments - 0

Credit cards with CHIPS!!!

The future is here in the U.S. all credit cards will soon have a bit of encryption magic to help prevent in-person credit card fraud & theft. You’ll have this little graphic somewhere on your card (if it is ready). The good news is this will help lower fraud, but as accurately shared by Brian Krebs (basically the online reporter/expert in this space):

In every country that has switched to EMV cards — and the United States is the last developed country to do so — online fraud has jumped, says online fraud expert Brian Krebs. “Fraud doesn’t go away, it just goes somewhere else, and that somewhere else is always online,” he says. “The thieves can still steal the card number and expiration date, which still can be used online. So that’s generally what will happen. We’ll see a pretty big uptick in card-not-present fraud.” – CreditCard.com & Brian Krebs from his new book SPAM Nation

 

So, the tips for managing your online security are even more elevated in this new time. As cards become updated, practice your good tips and carry on.

James

Our community: https://www.facebook.com/HNTBH

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Sony data breach 2014 survival guide is on Amazon Kindle!

Posted on December 23, 2014 in hntbh - 0 comments - 1

Sony survival guide online for Amazon Kindle!!

As I have been writing the main book on behavioral best practices to improve the state of security and resiliency in light of data breaches and criminal activity, a few major data breaches have occurred. Most recently has been the Sony breach. What pained me was seeing the situation unfold due to its magnitude, but I was more shocked that no one was helping the individual person that was harmed. The employees, ex-employees, contractors, actors, business partners, studios, and Deloitte employees are all open to fantastic attacks on their credit, finances, and medical trusts.

Thus I carved out specific content from the main book and after much customization published an emergency guide. Please find the Kindle book available online for purchase, a great value at $5! Ā The published version will be up soon. Sneak peek here.

Thank you for your time and be safe,

James

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CBS 60 Minutes’ hosts data breach investigator – takeaways and video

Posted on December 22, 2014 in hntbh - 0 comments - 0

CBS‘ 60 minutes hosted Brian Krebs to discuss retailer data breaches and the effects on consumers. The show can is below, and if you missed it certainly take some time to enjoy it. You can find Brian reporting and uncovering similar crimes on his website. He regularly is first to report (before companies) of any data breaches hitting the wire.

CBS 60 minutes broadcast: (apologies for long advertisements, CBS places ads that match length of video)


Two key takeaways that matter to you:

  1. 2,000,000 of the Target breached credit cards were sold online (that is known) for an average price of $20 per card, or roughly $40 MillionĀ profits
  2. 97% of businesses have experienced a data breach, whether they are aware of it or not

Finally, a nice write-up of the 60 minutes video is available by Brian Carmen and worth going through if you have no time for the video.

*A bit of exciting news, a special release on how to protect yourself due to the Sony data breach is being released in the coming days! This is a specific mini-book on tasks with instructions to protect those consumers who were part of the breach (i.e., the Sony employees, the ex-employees, the contractors, actors, and partners). I aim to have it for sale on Amazon, Gumroad (pdf only version), and snippets on Scribd.

Be proactive,

James
@hntbh on twitter

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Why Apple Pay should be your top 4 payment methods

Posted on December 2, 2014 in hntbh - 0 comments - 0

*Apply Pay should be your top 4 payment methods far above Debit Card, Cash, and Checks*

If you have an iOS device (newer models only at this point) you should use it. The basic reasons – if you have used itunes to buy music, than you have trusted Apple with your credit card. If you purchase ANYWHERE with Apple Pay, that retailer NEVER gets your credit card number, therefore you are only exposed at 1 retailer and not hundreds.

More tips? Sign-up for the more via email and receive book snippets!

Simple.

Curious – check out this write-up which I find pretty informative: http://buff.ly/1xUfIup

#applypay #christmas #shopping #nofraud #itunes

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Home Depot and JP Morgan were hacked, so YOU need to take action

Posted on September 3, 2014 in hntbh - 0 comments - 0

The news in the past few weeks has included several online businesses (Apple), a leader in finance (JP Morgan), and a retailer (Home Depot). The attacks varied, the exposure of specific data unique, and the customer type certainly unrelated. Despite these realities, every one of these businesses has one thing in common – YOUR information, money, and details were exposed.

Why is this important?

  • Thieves could empty bank accounts
  • Thieves could use the stolen information and trickĀ YOU to log on to a fake JP Morgan website (this was actually done in this case days before the attack was made public)

You must take the following action:

  1. Change your passwords (for any call in verifications and or online)
  2. Print your account statements and keep a detailed record of your $$ at the bank(s)
  3. If your retailer confirms a breach, request a new Credit/Debit Card w/ fresh fraud prevention safeguards

Responding to the ebb and flow of data breaches is impossible, but if together we establish behaviors to counter the negative effects then we have succeeded.

Be safe,

James

*on the book front I am making progress and aim to release a chapter sketch soon. a challenge I have currently is financing the graphic artists and editors necessary to create a really stunning book. any ideas are welcomed!

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87% of Consumers Feel Their Data is Not Safeguarded

Posted on June 20, 2014 in hntbh - 0 comments - 1

A survey conducted in March 2014 ā€“ with roughly 2,200 consumer participants ā€“ shows a significant concern of consumersā€™ data being safeguarded by businesses, retailers, and data brokers.

The important stats:
ā€¢ Ā The majority of respondents,Ā 87%, believeĀ adequate safeguards are not in placeĀ to protect their personal information
ā€¢ Ā 64%, compared to 85% from theĀ 2012 survey, are concerned about websites trackingĀ their buying behavior

Consumers continue to be cautious about the use of their personal information. So what does this mean for you, the average consumer?

HNTBH Conclusion:
1. Ā You are not alone in being concerned about how your data is being used. The vast majority of your peers feel the same way.
2. Ā The duty of protecting your data is your own responsibility.Ā Businesses cannot accomplish this task alone. Work with them! This crucial point is discussed under the ā€œTipsā€ link of this website, as well as the external resources linked by HNTBH.
3. Ā Check out the post, ā€œPolice Your Own Data.ā€ You will learnĀ the safest information security habits and ā€“ like cleaning your closet ā€“ eventually it must happen. Donā€™t keep putting it off.

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