Resistance Training for Scams

Dena Noe Author

06/04/2025 Added

10 Plays

Description

Dena Noe from the University of Nebraska Federal Credit Union is here to help you better protect yourself from common case of financial fraud and scams!

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[00:00:00.000]All right. Welcome, everyone.
[00:00:05.480]This is resistance training for
[00:00:08.040]scams. And while this isn't
[00:00:10.850]probably
[00:00:11.540]the sexiest subject that we
[00:00:13.390]have, it is something that is
[00:00:15.510]going on and it is real. I have
[00:00:17.890]some
[00:00:18.460]real life experiences to share
[00:00:20.470]with you today.
[00:00:28.820]All right. Does everyone see my
[00:00:30.220]screen? We can just have a
[00:00:31.370]thumbs up. That would be great.
[00:00:32.900]All right. So my name is Dina
[00:00:40.220]Noe. I work at the University
[00:00:43.090]of Nebraska Federal Credit
[00:00:44.980]Union. I really appreciate that
[00:00:47.500]Annalise invited us to do a
[00:00:49.270]challenge on financial
[00:00:51.020]literacy. It isn't something
[00:00:53.380]that everyone puts as their
[00:00:55.380]priority, but it does add to
[00:00:57.540]the
[00:00:57.640]stress of our everyday lives.
[00:00:59.730]And if we don't pay attention
[00:01:01.570]to it, it can really affect
[00:01:03.460]our wellness. So I think it
[00:01:04.990]fits great with Campus Rec and
[00:01:06.640]everything that they do. And
[00:01:08.400]it's a perfect challenge. So
[00:01:10.410]today we're doing resistance
[00:01:12.350]training on scams. And I'll
[00:01:14.270]just
[00:01:14.720]go ahead and get started. So
[00:01:17.420]our agenda today is different
[00:01:20.130]ways scams
[00:01:21.200]are initiated. Tips to help
[00:01:23.100]protect your identity. How does
[00:01:25.310]information get
[00:01:26.460]shared? Scams. How to protect
[00:01:28.300]yourself. Freezing your credit.
[00:01:30.520]And then we'll do questions
[00:01:31.460]afterwards through chat. So I
[00:01:33.420]always like to start my
[00:01:36.660]seminars and talk about the
[00:01:37.820]difference
[00:01:38.120]between what is identity theft
[00:01:40.130]and fraud. So identity theft
[00:01:41.980]occurs when someone tries
[00:01:43.900]to impersonate you. They get
[00:01:45.720]your information, such as your
[00:01:47.610]social security number, your
[00:01:49.460]date of birth, maybe some
[00:01:51.100]information on your driver's
[00:01:52.980]license, your address, all
[00:01:54.840]those
[00:01:55.280]particulars. And then they
[00:01:57.950]impersonate you when trying to
[00:02:00.720]get credit or even insurance.
[00:02:04.040]So that
[00:02:04.480]is a lot harder to get fixed.
[00:02:06.750]If somebody becomes you and
[00:02:08.910]tries to get your credit, it is
[00:02:11.660]something
[00:02:11.820]you have to work to reverse.
[00:02:13.570]The other thing that people
[00:02:15.170]might confuse with identity
[00:02:16.870]theft is fraud.
[00:02:18.080]Fraud happens every day. We see
[00:02:20.390]it on our credit cards. We see
[00:02:22.530]it in other places. In that
[00:02:24.500]case,
[00:02:25.280]it's usually your financial
[00:02:26.630]institution can help you out
[00:02:27.980]with that. A credit breach
[00:02:31.520]would be a good
[00:02:32.020]example of fraud, where then we
[00:02:34.030]can step in as a financial
[00:02:35.590]institution and we can go ahead
[00:02:37.320]and help
[00:02:37.660]you. We have dispute rights. We
[00:02:39.540]have chargeback rights. We have
[00:02:41.360]all kinds of things that we can
[00:02:43.020]do when it comes to your credit
[00:02:45.150]card and fraud happening. So I
[00:02:47.480]just want to let you know that
[00:02:49.640]if you get into a situation
[00:02:50.740]where you have that fraud, make
[00:02:52.090]sure you contact your financial
[00:02:53.500]institution. Same thing with
[00:02:54.710]identity theft, though. You do
[00:02:56.000]need to talk to your financial
[00:02:57.200]institution if you're having
[00:02:58.740]issues with that so that we can
[00:03:00.280]see if we can help you get that
[00:03:01.880]corrected. I have a short video
[00:03:04.130]here I'm going to show quickly
[00:03:06.130]regarding this. All right, I'm
[00:03:22.260]going
[00:03:22.320]to go ahead and play that.
[00:03:23.500]Identity theft happens. It's an
[00:03:29.100]unfortunate fact of modern life.
[00:03:31.300]But there are certain steps you
[00:03:32.800]can
[00:03:32.980]take to help keep your personal
[00:03:34.670]information from falling into
[00:03:36.350]the wrong hands. Every day you
[00:03:38.140]do
[00:03:38.320]things to protect what's most
[00:03:39.690]important to you. And you know
[00:03:41.160]what? You do them almost
[00:03:42.480]automatically.
[00:03:43.060]Routine things like looking
[00:03:44.880]both ways before you cross,
[00:03:46.750]brushing your teeth, and buckling
[00:03:50.140]your
[00:03:50.340]seatbelt. Another routine to
[00:03:51.470]get into is keeping your
[00:03:52.230]personal information in check.
[00:03:53.480]If you're
[00:03:53.500]not sure what your personal
[00:03:54.400]information is, you can use
[00:03:55.290]your credit card and bank
[00:03:56.120]statements.
[00:03:56.360]Here are five easy ways you can
[00:03:58.290]do it.
[00:03:58.900]Read your credit card and bank
[00:04:00.100]statements carefully and often.
[00:04:02.640]Show your payment due dates. If
[00:04:04.330]a bill doesn't show up when you
[00:04:05.540]expect it, look into it.
[00:04:07.720]Read the statements from your
[00:04:08.980]health insurance plan. Make
[00:04:10.340]sure the claims paid match the
[00:04:12.020]care you got.
[00:04:13.860]Shred any documents with
[00:04:15.650]personal and financial
[00:04:17.060]information.
[00:04:18.620]Review each of your three
[00:04:19.850]credit reports at least once a
[00:04:21.280]year. It's easy and it's free.
[00:04:23.500]And before you know it,
[00:04:24.880]protecting your personal
[00:04:26.440]information can be as routine
[00:04:27.820]as locking your
[00:04:28.680]doors at night.
[00:04:29.320]For more tips and tools on
[00:04:31.050]dealing with identity theft,
[00:04:33.260]visit ftc.gov slash idtheft.
[00:04:36.600]That's ftc.gov slash idtheft.
[00:04:53.500]All right, that just gives some
[00:04:54.450]good pointers. Also, that
[00:04:55.640]website is something you can
[00:04:57.300]feel
[00:04:57.640]comfortable visiting.
[00:04:58.580]Government has a lot of
[00:04:59.740]information out there regarding
[00:05:01.540]identity theft
[00:05:02.740]and ways to protect yourself.
[00:05:04.360]So I was just going to go over
[00:05:06.310]a few of these that the video
[00:05:08.360]may or
[00:05:09.380]may not have talked through.
[00:05:11.400]One of them is, they said,
[00:05:12.960]review your account statements.
[00:05:15.300]I know that's
[00:05:15.940]really hard for all of us. Most
[00:05:17.860]of us get e-statements and we
[00:05:19.550]might forget about the fact
[00:05:21.220]that we should be looking those
[00:05:21.530]over. So if you're not familiar
[00:05:21.840]with e-statements, you can go
[00:05:22.130]to
[00:05:22.280]ftc.gov slash idtheft.com slash
[00:05:22.280]idtheft.
[00:05:22.280]And if you're not familiar with
[00:05:22.280]e-statements, you can go to ftc.gov
[00:05:22.280]slash idtheft.com slash idtheft.
[00:05:22.300]And if you're not familiar with
[00:05:22.330]e-statements, you can go to ftc.gov
[00:05:22.350]slash idtheft.com slash idtheft.
[00:05:23.500]It might not be that I'm
[00:05:24.740]reviewing my paper statement
[00:05:26.400]that I get in the mail or even
[00:05:28.000]maybe
[00:05:28.340]my e-statement. It's important
[00:05:30.980]to have some way, and what I
[00:05:33.080]would suggest is online banking,
[00:05:35.840]to go in, look at those
[00:05:37.280]statements, and make sure that
[00:05:39.430]there isn't something in there
[00:05:41.340]that
[00:05:41.740]you haven't done yourself. So
[00:05:43.990]you can look over, try to see
[00:05:45.820]if you have any charges that
[00:05:47.970]you
[00:05:48.120]question, or even look to see
[00:05:50.260]if there are fees that you
[00:05:52.140]deny.
[00:05:53.500]And if you have any charges
[00:05:54.560]that you didn't expect, so that
[00:05:55.490]is our way here at the
[00:05:57.620]financial
[00:05:57.760]institution to let you know
[00:05:58.930]what's going on, but it is also
[00:06:00.240]where your insurance company is
[00:06:01.830]letting
[00:06:02.020]you know what's going on. It's
[00:06:03.230]also where your credit card
[00:06:04.240]company is letting you know. So
[00:06:05.920]those
[00:06:06.120]are very important things to
[00:06:07.210]look at. I'm going to cover
[00:06:08.820]credit reports later on in the
[00:06:10.630]seminar,
[00:06:11.360]and we can talk through why it's
[00:06:12.750]important to look at those.
[00:06:14.110]Health insurance is another one
[00:06:16.720]that we are seeing a lot of uptick
[00:06:18.780]in fraud, so it's important to
[00:06:20.770]keep track of that.
[00:06:22.300]So if you're not familiar with
[00:06:22.310]e-statements, you can go to ftc.gov
[00:06:22.320]slash idtheft.com slash idtheft.
[00:06:22.460]And if you're not familiar with
[00:06:22.460]e-statements, you can look to
[00:06:22.460]see if there are fees that you
[00:06:22.460]deny.
[00:06:22.560]They talked about shredding. As
[00:06:24.690]you know, there's a lot of
[00:06:26.950]places around Lincoln during
[00:06:29.420]the spring,
[00:06:29.900]right after we do our taxes,
[00:06:31.520]that you can have free shred
[00:06:33.060]days. So please think about
[00:06:34.800]taking
[00:06:35.080]advantage of it. One of the
[00:06:36.680]things that I do is I just put
[00:06:38.260]my documents that I think need
[00:06:39.890]to be
[00:06:40.360]shred. That does not include
[00:06:42.350]newspapers. That does not
[00:06:44.130]include an envelope. It
[00:06:45.800]includes the things
[00:06:46.940]that have your personal private
[00:06:48.490]information on. So that would
[00:06:50.020]include statements.
[00:06:52.560]Go ahead and put those in a box,
[00:06:54.230]and then you see that we have
[00:06:55.720]these free shred days come up.
[00:06:57.580]Take advantage of them, and
[00:06:59.140]then you won't get piled up by
[00:07:00.760]having a lot. Some people can
[00:07:02.910]do that
[00:07:03.300]at home, but it is harder to
[00:07:04.910]shred each thing that you have
[00:07:06.660]at home. You know, the shredder
[00:07:08.760]doesn't
[00:07:09.360]separate it the way it should.
[00:07:11.310]I think it's just a good
[00:07:12.580]practice to watch what's going
[00:07:14.400]on
[00:07:14.620]and find a shred day. So the
[00:07:16.370]credit union has a shred day
[00:07:18.060]every year, usually April or
[00:07:19.890]May. But
[00:07:21.520]many of you have accounts at
[00:07:23.170]Union Bank, or maybe you have
[00:07:24.960]an account at Pinnacle Bank.
[00:07:26.940]Almost all of them have some
[00:07:28.740]sort of shred day. So kind of
[00:07:30.750]just watch their information
[00:07:32.500]coming
[00:07:32.820]on their website or an email,
[00:07:34.670]and you can help yourself out
[00:07:36.440]that way. I do also have on
[00:07:39.080]here
[00:07:39.680]to talk about passwords and
[00:07:41.560]updating your passwords. I know
[00:07:44.010]it's very difficult to keep
[00:07:45.800]things going when it comes to
[00:07:47.300]passwords. I don't know. I
[00:07:49.050]think if all of us counted it
[00:07:50.270]up, we'd say
[00:07:50.940]like we have a million
[00:07:51.900]passwords. And so what do we do?
[00:07:53.570]We want to make them seem very
[00:07:54.890]easy, so we
[00:07:56.080]keep using the same one over
[00:07:57.800]and over. I completely
[00:07:59.370]understand doing something like
[00:08:01.490]that, but when it
[00:08:03.260]comes to your financial
[00:08:04.420]information, it's important
[00:08:05.990]that that password specifically
[00:08:07.640]is something
[00:08:08.380]different. I'd also encourage
[00:08:10.010]you to think that way regarding
[00:08:11.510]your email. What happens, you
[00:08:14.410]know,
[00:08:14.880]at a credit union or at a bank,
[00:08:16.750]we have really good secure
[00:08:18.400]systems. And for someone to
[00:08:20.290]hack us,
[00:08:20.860]get your information is very
[00:08:23.070]unlikely, but through your
[00:08:25.270]email or through a mobile app,
[00:08:27.740]they have a lot more chance to
[00:08:29.340]do that. So it's important to
[00:08:31.060]keep those to be different from
[00:08:32.950]what
[00:08:33.100]you're using with your
[00:08:34.160]financial institution. So I
[00:08:36.200]have down here 10 strong rules
[00:08:43.100]for keeping
[00:08:43.660]safer passwords. I think the
[00:08:46.020]first one here is pretty self-explanatory.
[00:08:49.290]Don't share it with
[00:08:50.780]anyone if possible. Try to
[00:08:53.290]avoid things that someone can
[00:08:55.480]find out about you. You know,
[00:08:58.110]if you
[00:08:58.940]use your pets on Facebook a lot,
[00:09:00.710]you know, all of us like to
[00:09:02.150]post a little bit about what
[00:09:03.800]our cats
[00:09:04.180]are doing for the day. You know,
[00:09:05.630]they can pick up on that and
[00:09:06.730]they can try to see if they can
[00:09:07.980]get that information.
[00:09:09.070]Unfortunately, birthdates,
[00:09:10.470]anniversary, things like that
[00:09:11.880]are also easily
[00:09:12.880]found. So if you can avoid that,
[00:09:15.490]most institutions that have
[00:09:17.650]security, they will already ask
[00:09:20.170]you to
[00:09:20.700]have something that's at least
[00:09:21.980]eight characters long. I'm
[00:09:23.180]going to go over and show you
[00:09:24.550]some
[00:09:24.860]information about doing passphrases.
[00:09:27.110]Passphrases are a really good
[00:09:28.720]thing that we've all started to
[00:09:30.300]change over the last... Anyway,
[00:09:32.600]for us here, it was probably in
[00:09:34.340]the last five years that we
[00:09:35.980]went
[00:09:36.300]away from having just a simple
[00:09:38.280]password to using a passphrase.
[00:09:40.640]It's easier to memorize and it's
[00:09:42.540]harder for someone to break. Dina?
[00:09:45.740]Yes? Are you showing slides?
[00:09:47.870]Because if you are, we are not
[00:09:49.730]seeing them.
[00:09:50.620]You're not? No, we're seeing
[00:09:52.890]your swimmer.
[00:09:53.500]You're seeing what? Your home
[00:09:56.590]screen.
[00:09:57.260]Yeah, yeah. Your computer home
[00:09:58.630]screen.
[00:09:59.020]I'm so sorry. I will try again.
[00:10:01.420]I appreciate you guys letting
[00:10:05.240]me know. Is that better?
[00:10:07.020]Yes. Okay. Yes. So I have my
[00:10:09.980]top 10 here. I'm going to move
[00:10:11.280]on to the next ones.
[00:10:13.900]All right. So number six is
[00:10:15.970]change your password for
[00:10:17.800]sensitive websites over 60 to
[00:10:20.540]every 60 to 90 days. And we do
[00:10:22.730]not require, and most financial
[00:10:24.570]institutions do not require you
[00:10:25.820]to change your password every
[00:10:27.070]60 to 90 days, but I think it's
[00:10:28.720]a good practice if you could do
[00:10:30.780]that.
[00:10:31.100]Number seven is think your
[00:10:32.640]password has been compromised,
[00:10:34.570]change it immediately.
[00:10:36.140]Make sure your security
[00:10:37.870]questions are answered are hard
[00:10:40.180]to guess. If your bank or webmail
[00:10:42.780]offers
[00:10:43.180]extra security, use that. So a
[00:10:45.060]lot of us use multi-factor
[00:10:46.520]authentication and it's
[00:10:47.940]important that
[00:10:48.860]we add that to any of our
[00:10:49.240]passwords. So that's one of the
[00:10:49.940]things that we want to make
[00:10:50.260]sure we're
[00:10:50.460]making sure that our passwords
[00:10:53.080]are safe. All right. So I
[00:10:58.920]talked a little bit about passphrases.
[00:11:01.180]I'm going to show this quick
[00:11:03.080]video to let you know a little
[00:11:05.070]bit about
[00:11:06.300]how you can use that instead of
[00:11:08.280]a password.
[00:11:20.380]I'm so sorry, just a second
[00:11:37.840]here. I had that up so that we
[00:11:40.840]wouldn't have any issues with
[00:11:42.310]that,
[00:11:42.560]and it's just on a different
[00:11:43.690]screen. All right. Everyone see
[00:11:49.380]that okay now? All right.
[00:11:54.720]Choosing between a password or
[00:11:57.520]passphrase, the latter is
[00:11:59.690]better than the former, always.
[00:12:02.480]Just to put everyone on the
[00:12:04.050]same page, let's explain the
[00:12:05.890]difference between a password
[00:12:07.780]and a passphrase. A password is
[00:12:10.270]commonly defined to be
[00:12:11.980]a string of letters, numbers,
[00:12:14.310]symbols, or all three. Whether
[00:12:16.890]you chose the date you got that
[00:12:18.760]gold ring or let a computer
[00:12:20.450]build a random string,
[00:12:22.350]passwords are relatively easy
[00:12:24.020]to crack,
[00:12:24.820]making all your accounts open
[00:12:26.940]to a hack. So why not make it
[00:12:28.960]longer? I can hear you say it.
[00:12:31.460]Of course, that's a great way
[00:12:33.060]to play it. The longer the
[00:12:34.490]password, the stronger you've
[00:12:36.200]made it,
[00:12:36.840]but a random string is bound to
[00:12:38.620]have your brain misplaced.
[00:12:41.400]If you can't remember that
[00:12:42.720]complicated selection, you'll
[00:12:44.430]likely use the same ones and
[00:12:46.240]lessen your
[00:12:46.840]protection. Using a password
[00:12:48.900]manager is absolutely quite
[00:12:50.740]smart, but not all have access
[00:12:53.380]and must
[00:12:53.780]remember passwords by heart.
[00:12:55.310]Passphrases are easier to keep
[00:12:58.450]in your noggin, even when you
[00:13:00.520]have different ones for each
[00:13:02.080]login. Passphrases are a series
[00:13:03.980]of words strung together. For
[00:13:06.100]example,
[00:13:06.580]gray clouds bring about stormy
[00:13:08.740]weather. They can be complete
[00:13:10.590]sentences,
[00:13:11.380]with or without spaces. Have
[00:13:13.850]symbols, letters in upper and
[00:13:16.070]lower cases. Or simply be a
[00:13:18.980]collection
[00:13:19.340]of random words, such as chartreuse,
[00:13:21.900]cookie, hummingbirds. Passphrase's
[00:13:24.630]length is what
[00:13:25.720]keeps it secure. The longer it
[00:13:27.650]is, the stronger, for sure.
[00:13:29.590]Unlike passwords, which are
[00:13:31.350]forgotten
[00:13:31.860]easily, a long passphrase can
[00:13:33.790]be memorized speedily. The
[00:13:35.990]second key to strength is
[00:13:37.340]uniqueness. Using something
[00:13:39.030]common will increase the
[00:13:40.350]weakness.
[00:13:41.380]Instead of all that glitters is
[00:13:43.520]not gold, use something like spiky
[00:13:45.840]pets are hard to hold.
[00:13:47.180]Your passphrases should be easy
[00:13:49.200]for you to remember, yet also
[00:13:51.350]hard to guess by another staff
[00:13:53.020]member. It should go without
[00:13:54.840]saying, but let's make it clear.
[00:13:57.150]For every device, personal, and
[00:13:59.000]career,
[00:13:59.820]please don't use the examples
[00:14:01.090]that I've displayed here. Passphrases
[00:14:03.390]are a much better way to secure
[00:14:05.660]your information day to day.
[00:14:07.410]They will give you peace of
[00:14:08.900]mind every time you go online.
[00:14:11.360]This is the end, but wait, don't
[00:14:14.160]go. There's one more thing you
[00:14:16.160]should know. Before updating
[00:14:17.600]your passwords in any
[00:14:18.910]application, always follow
[00:14:20.740]policy at your organization.
[00:14:41.340]All right. I found that video
[00:14:45.700]really funny, how they rhyme
[00:14:47.180]everything. That is talent,
[00:14:48.680]I have to say. But it does help
[00:14:50.580]you, does something
[00:14:51.900]entertaining like that help you
[00:14:54.000]remember why we need to use
[00:14:55.480]passphrases instead of a
[00:14:56.920]password. And I know once we
[00:14:58.690]switched
[00:14:59.000]here doing passphrases, I find
[00:15:01.480]it a lot easier to memorize
[00:15:03.490]that than a password that had
[00:15:05.800]different characters in it and
[00:15:07.310]had to remember that I capitalized
[00:15:08.980]one of them, or that, you
[00:15:11.320]know, I added a date to the end
[00:15:13.450]of it with numbers. So I think
[00:15:15.630]it's a really good idea when
[00:15:18.020]thinking about what you're
[00:15:19.310]going to do with that. Does
[00:15:21.180]everybody see my screen? You
[00:15:22.420]can just give
[00:15:22.940]me a thumbs up. Okay, good. All
[00:15:24.720]right. So identifying personal
[00:15:26.170]information. We kind of talked
[00:15:27.760]about
[00:15:27.980]this a little bit about what it
[00:15:29.850]is you want to keep secure.
[00:15:31.690]This screen right here puts it
[00:15:33.520]in a
[00:15:33.900]good outline. So the most
[00:15:35.900]important thing to keep secure
[00:15:37.630]is that social security number.
[00:15:39.840]That seems
[00:15:40.620]to be the thing that you want
[00:15:40.780]to keep secure. So if you're
[00:15:40.950]going to keep secure, you want
[00:15:41.140]to
[00:15:41.300]keep that social security
[00:15:41.480]number. So if you're going to
[00:15:41.660]keep secure, you want to keep
[00:15:41.840]that
[00:15:42.000]social security number. So if
[00:15:42.170]you're going to keep secure,
[00:15:42.320]you want to keep that social
[00:15:42.450]security
[00:15:42.560]number. So if you're going to
[00:15:42.630]keep secure, you want to keep
[00:15:42.690]that social security number. So
[00:15:43.040]that's
[00:15:43.080]something that is the one thing
[00:15:45.760]that those people that are
[00:15:48.030]fraudsters can focus on and can
[00:15:50.780]use when
[00:15:51.280]it comes to ID theft. When you
[00:15:53.760]put that social security number
[00:15:55.810]along with an address and a
[00:15:57.780]name,
[00:15:58.120]it becomes even worse that they
[00:16:00.600]have a chance to become you. So
[00:16:03.150]keeping that information secure
[00:16:05.900]is
[00:16:06.200]very important. I hope that
[00:16:07.810]everyone that's listening to
[00:16:09.430]this seminar does not carry
[00:16:10.910]their
[00:16:11.280]social security number in their
[00:16:13.430]purse or in their wallet. We
[00:16:14.910]can leave that at home.
[00:16:16.170]Hopefully it's
[00:16:17.100]something that you can just
[00:16:18.880]memorize instead. Also, it
[00:16:20.890]shouldn't be a number that you
[00:16:22.820]use as
[00:16:23.460]a security. That's probably not
[00:16:25.620]a good thing to add to your
[00:16:27.320]passcode or add to your
[00:16:29.000]passwords
[00:16:29.900]is your social security number.
[00:16:32.390]Motor vehicle operator license
[00:16:35.060]number also is important to
[00:16:36.780]keep safe. Your employment
[00:16:38.300]information, maiden name of a
[00:16:39.890]person's mother, just
[00:16:41.260]because that is used. Although
[00:16:42.890]I think we're turning away from
[00:16:44.380]that a little more than we used
[00:16:46.020]to. Charge card numbers, credit
[00:16:48.200]cards, bank accounts, digital
[00:16:50.370]signatures, all that
[00:16:51.830]information
[00:16:52.680]is important that you keep as
[00:16:54.210]safe as possible. Beware of
[00:16:57.320]these things that could cause
[00:17:00.590]your
[00:17:01.000]information to get out. Change
[00:17:02.800]of address. Any place where you,
[00:17:04.780]financial institution that you're
[00:17:11.240]working with, any place where
[00:17:12.020]you're working with, they
[00:17:12.710]should be sending out something
[00:17:13.360]when you
[00:17:14.700]change the address. So just be
[00:17:16.910]alert to that. Color of
[00:17:19.990]authority. If everyone's been
[00:17:21.580]watching the
[00:17:22.080]news here lately, there has
[00:17:23.800]been a ring right now going out
[00:17:25.610]with someone calling that says
[00:17:27.130]that
[00:17:27.380]they're from the Lancaster
[00:17:28.640]County Sheriff's Office and
[00:17:29.960]that people have not shown up
[00:17:31.280]for jury duty.
[00:17:32.620]So that's what we mean by color
[00:17:34.430]of authority. These individuals
[00:17:36.520]that call and say they are the
[00:17:41.220]sheriff or
[00:17:41.220]the FBI, that's one we just had.
[00:17:42.910]I'll go into that a little bit
[00:17:44.310]when we talk about scams.
[00:17:45.840]But they use that because it
[00:17:47.790]adds to the pressure of the
[00:17:49.660]situation, right? If somebody's
[00:17:52.310]calling you
[00:17:53.340]and they sound official and
[00:17:54.740]they are telling you that you
[00:17:56.190]didn't show up and you're going
[00:17:57.900]to have
[00:17:58.120]a fine, you just have a better,
[00:17:59.800]you just tend to believe them,
[00:18:01.430]right? Especially for us in
[00:18:03.160]Nebraska,
[00:18:03.580]we believe things when people
[00:18:05.480]call. So just be careful of
[00:18:07.170]that. We do a little bit of
[00:18:08.790]talk,
[00:18:09.360]but I don't see a lot of people
[00:18:10.690]having,
[00:18:11.200]issues when it comes to dumpster
[00:18:12.640]diving or shoulder surfing. But
[00:18:14.730]those are things just to look
[00:18:16.840]out for
[00:18:17.260]when you're trying to keep your
[00:18:18.570]things safe. The thing that we
[00:18:20.960]see more or something when it's
[00:18:23.000]the,
[00:18:23.100]I would consider the new way of
[00:18:24.500]people getting involved. And
[00:18:26.020]that one of them is skimming.
[00:18:27.560]So this is a great photograph.
[00:18:30.670]When you walk up to an ATM
[00:18:32.960]machine, a lot of them have
[00:18:35.600]that little
[00:18:36.400]place where you put your card
[00:18:37.780]in and it's got like a green
[00:18:39.020]cover to it. This shows you
[00:18:40.380]that a person
[00:18:41.180]can create a skimmer. They put
[00:18:44.710]right over that ATM machine and
[00:18:46.830]then skim the cards. We haven't
[00:18:49.880]had
[00:18:50.080]that issue here at the credit
[00:18:51.580]union, but it has come to
[00:18:52.880]Nebraska. There have been gangs
[00:18:54.810]that come
[00:18:55.160]in. They attack a certain
[00:18:57.010]number of machines in the city,
[00:18:59.240]get their scamming done, pull
[00:19:01.550]them off
[00:19:02.180]and leave. It's a very quick
[00:19:03.760]thing. We try to catch that as
[00:19:05.240]financial institutions because
[00:19:06.960]we
[00:19:11.160]are not always something that
[00:19:12.570]we can recognize. Our machines
[00:19:14.140]are serviced every week. And
[00:19:17.470]one of
[00:19:18.020]the reasons we do that is just
[00:19:19.380]to make sure this doesn't
[00:19:20.570]happen. But you can get in a
[00:19:21.920]good habit of
[00:19:22.720]just kind of moving it a little
[00:19:24.260]bit. And then you can see if
[00:19:25.710]there's something attached to
[00:19:27.330]it.
[00:19:27.740]I think people also address
[00:19:29.580]this when it comes to gas pumps
[00:19:31.740]and just to look for that
[00:19:33.290]sticker to
[00:19:34.040]see that it's secure. But be
[00:19:36.040]aware of your surroundings when
[00:19:38.020]you're using an ATM machine.
[00:19:41.140]Keep your ATM card. Keep your
[00:19:43.740]pins secret. And then do not
[00:19:46.240]account or visually display any
[00:19:49.040]of
[00:19:49.200]your money when you're using an
[00:19:50.630]ATM. That's just some good tips
[00:19:52.160]of advice.
[00:19:52.860]Other ways that information
[00:19:55.030]gets out, corrupt employees.
[00:19:57.600]Again, I haven't heard a lot of
[00:20:00.200]that
[00:20:00.660]coming towards us. It's
[00:20:01.700]something to watch for, but we
[00:20:02.920]haven't seen it. Social
[00:20:04.280]engineering,
[00:20:05.120]though, we have had individuals
[00:20:07.500]that have gotten caught up in
[00:20:09.540]these kinds of things
[00:20:11.120]dating sites. Facebook has now
[00:20:14.470]become one of the top places
[00:20:17.120]that having fraud occurred. We
[00:20:20.000]had one
[00:20:20.660]of our members get stuck with
[00:20:22.260]thinking that they're getting
[00:20:24.010]employment through Facebook.
[00:20:25.760]And
[00:20:26.000]then they had to, you know, pay
[00:20:28.430]a certain amount of money in
[00:20:30.530]order to be part of this job.
[00:20:32.740]You know,
[00:20:34.240]and there's just nothing we can
[00:20:35.470]do after the fact when they get
[00:20:36.650]their money involved with
[00:20:37.820]that. So Facebook is something
[00:20:39.310]to really watch out for. I'm
[00:20:40.630]going to come back to that in a
[00:20:41.100]little bit when we get to scams.
[00:20:43.320]We've had students get involved
[00:20:46.680]in dating site issues
[00:20:49.760]where they get, you know, they
[00:20:52.020]get really involved with the
[00:20:54.030]person that's talking to them.
[00:20:56.280]And they
[00:20:56.560]think that this is a really,
[00:20:58.200]you know, great relationship
[00:20:59.950]they're building. And then the
[00:21:01.980]person has something happen
[00:21:03.510]where they need cash. And so
[00:21:05.230]they send it to them. And it
[00:21:06.570]just doesn't
[00:21:11.080]work out for them. And so, you
[00:21:12.240]know, we've seen a lot of
[00:21:12.580]people get caught up in that.
[00:21:13.080]We've seen a
[00:21:13.080]lot of people get caught up in
[00:21:13.080]that. And so we've seen a lot
[00:21:13.080]of people get caught up in that.
[00:21:13.080]And
[00:21:13.080]sometimes students get checks
[00:21:14.680]in the mail where the person
[00:21:15.920]will ask them to bring them in,
[00:21:17.800]cash them, send back $5,000,
[00:21:19.630]but they get to keep the other
[00:21:20.900]$2,000 and maybe it's a $7,000
[00:21:23.400]check.
[00:21:23.640]And the unfortunate thing is by
[00:21:26.320]the time that check clears, it's
[00:21:29.040]not a good check. And so
[00:21:30.200]they're out that money. They're
[00:21:31.650]not going to get their money.
[00:21:32.950]They're not going to get
[00:21:34.010]anything
[00:21:34.360]back on that. We've seen quite
[00:21:36.430]a, we've seen a few people get
[00:21:38.330]caught up in that. Hasn't
[00:21:40.200]happened for
[00:21:40.680]the last couple of years. We've
[00:21:41.060]seen a few people get caught up
[00:21:41.060]in that. Hasn't happened for
[00:21:41.060]the last
[00:21:41.060]couple of years. So I'm hoping
[00:21:43.030]that maybe sending checks to
[00:21:44.750]the mail just hasn't been
[00:21:46.280]profitable
[00:21:46.720]for our criminals and they'll
[00:21:48.370]stop doing that. Key logging
[00:21:50.070]happens when somebody gets on
[00:21:51.710]your
[00:21:52.060]computer. You probably all know
[00:21:53.830]that. And then they can capture
[00:21:55.480]what's going on on that
[00:21:56.630]computer.
[00:21:57.380]We do have some situations with
[00:22:00.040]phishing, and I'm going to show
[00:22:02.790]you some examples. And that
[00:22:05.480]comes through to us at the
[00:22:06.870]credit union all the time. So
[00:22:08.590]it's definitely used by our
[00:22:10.130]fraudsters.
[00:22:11.040]Also, they are doing some phishing,
[00:22:15.760]like we just talked about. That
[00:22:17.450]person from the Lancaster
[00:22:18.800]County
[00:22:19.360]Sheriff's Office, probably mimicking
[00:22:22.850]their voice. Could be happening
[00:22:25.820]to anyone that we hear those,
[00:22:28.400]you might hear those situations
[00:22:30.410]where a grandma gets a call and
[00:22:32.300]they say, you know, your
[00:22:34.000]grandson's in jail. And my mom
[00:22:36.230]almost fell for it. She just
[00:22:38.300]still claims to this day that
[00:22:40.290]that was my
[00:22:41.020]nephew on the phone. And I'm
[00:22:42.770]just like, I don't think they're
[00:22:44.730]probably using something to
[00:22:46.410]mimic
[00:22:46.820]his voice. I think it's just
[00:22:48.770]they know how to say the right
[00:22:50.660]things to get that grandma to
[00:22:52.660]really
[00:22:53.680]bite on what they're doing. Spoofing
[00:22:56.550]is also happening a lot. I don't
[00:22:59.010]think anybody in business
[00:23:00.820]can get around having this
[00:23:02.430]happen to you. They just go
[00:23:04.170]ahead and pull off your phone
[00:23:05.980]number,
[00:23:06.500]call. We've had it here at the
[00:23:07.710]credit union. That's why
[00:23:08.800]sometimes you'll see an other
[00:23:10.310]financial
[00:23:11.000]institutions do this as well.
[00:23:12.810]Put up a banner on our website
[00:23:14.530]saying, just be careful. We're
[00:23:16.420]not
[00:23:16.620]going to call you and ask for
[00:23:17.770]your personal private
[00:23:18.770]information. We already have it.
[00:23:20.330]If we
[00:23:20.960]call you, we're going to know
[00:23:22.840]we're talking to you. But they
[00:23:24.870]can get our phone number, call,
[00:23:27.820]say they're calling from the
[00:23:29.120]credit union. I thought it was
[00:23:30.580]very ingenious. We had a member
[00:23:32.200]who thought she was being
[00:23:33.800]transferred to the credit union
[00:23:35.860]by a fraudster. And she said,
[00:23:37.960]so
[00:23:40.980]where are you calling from? And
[00:23:42.180]the fraudster said, the
[00:23:43.070]corporate office. And in her
[00:23:44.190]mind,
[00:23:44.520]she's like, the credit union,
[00:23:45.880]there's like two offices. They
[00:23:47.270]don't have a corporate office.
[00:23:48.680]Then she says, well, where do
[00:23:49.980]you think the corporate office
[00:23:51.280]is? And they gave our East
[00:23:52.500]Branch address. And so she knew
[00:23:54.210]that that person wasn't correct
[00:23:55.840]on the phone. So that's kind of
[00:23:57.680]ingenious, I thought. So if it's
[00:23:59.580]somebody calling and you think
[00:24:01.230]that it's a place that you use
[00:24:02.880]frequently, ask some questions
[00:24:04.460]like that. And they'll probably
[00:24:06.080]mess up. And then you can
[00:24:07.310]really
[00:24:07.740]know that you're talking to the
[00:24:09.160]right person.
[00:24:10.960]All right, let's go ahead and
[00:24:12.780]get into scams. And the reason
[00:24:15.310]I added a whole section and we
[00:24:17.840]actually called this
[00:24:19.500]presentation about scams is
[00:24:21.680]because everything regarding ID
[00:24:24.250]theft has
[00:24:25.060]dropped off. ID theft is not
[00:24:26.740]only 13% of the fraud that's
[00:24:28.550]going on in Nebraska. When I
[00:24:30.550]started doing
[00:24:31.420]these seminars prior to COVID,
[00:24:33.750]it was probably flip-flop from
[00:24:36.000]here. Now scams make up 24% of
[00:24:38.740]the fraud that is going on.
[00:24:40.940]I have a quick list here of
[00:24:43.190]what the percentages are. You
[00:24:45.860]can kind of read that at your
[00:24:47.400]own leisure
[00:24:47.980]there. And then I have a couple
[00:24:50.940]of slides here just to show you.
[00:24:54.650]And I bet every one of you that's
[00:24:57.840]listening today can raise your
[00:24:59.910]hand and say, yes, I have
[00:25:01.610]received one of these emails.
[00:25:03.740]This one's a
[00:25:05.760]little bit older, but I do want
[00:25:07.320]to point out what to look for.
[00:25:08.880]I think the first thing that
[00:25:10.260]all of you can
[00:25:10.920]see is at the top, it's a Gmail
[00:25:12.830]account from Poppy. I don't
[00:25:14.750]think the person from PayPal is
[00:25:17.080]going to be sending you an
[00:25:18.490]email from a Gmail account. So
[00:25:20.300]that's the first thing that you
[00:25:22.060]can
[00:25:22.400]see from there. As you go down,
[00:25:25.670]Gamby, they just kind of made
[00:25:28.820]up something there that's $499.99.
[00:25:33.880]I think also these numbers that
[00:25:35.960]they come up with is a good
[00:25:37.640]guide. It's really, what would
[00:25:40.430]be $499
[00:25:40.900]that you would do. But what
[00:25:43.900]they're doing here is playing
[00:25:47.180]into people's concern that they're
[00:25:49.220]going
[00:25:49.440]to be charged for something
[00:25:50.620]that they didn't want or didn't
[00:25:51.970]do, right? And in the past, we
[00:25:54.820]could
[00:25:55.080]always say, please don't click
[00:25:56.550]on these. Don't click on them.
[00:25:58.120]If you click on them, you're
[00:25:59.420]going
[00:25:59.800]to get into a certain situation.
[00:26:01.250]So they've changed. You don't
[00:26:02.600]click on them anymore. Now
[00:26:03.860]they're putting in a bogus
[00:26:05.010]phone number. And they're
[00:26:06.590]really good. They'll have
[00:26:07.550]somebody answer
[00:26:08.480]the phone. They say, oh, yes,
[00:26:09.920]you got that.
[00:26:10.880]I need to get you to have
[00:26:12.060]someone call you back from our
[00:26:13.850]finance department so we can
[00:26:15.440]get a credit
[00:26:15.960]for you. And then they'll have
[00:26:17.500]someone call back. And when you
[00:26:19.150]talk to somebody who's been
[00:26:20.560]part of
[00:26:20.900]a scam, they'll say, but they
[00:26:22.830]called me back. They knew
[00:26:24.530]exactly who I was. They just
[00:26:26.410]have gotten
[00:26:27.040]really good at making it feel
[00:26:28.480]like a very legitimate company
[00:26:30.130]in what they're doing. So the
[00:26:32.140]second one I have here is McAfee.
[00:26:35.200]McAfee and Norton, which I have
[00:26:37.650]at the back, those are really
[00:26:40.240]popular
[00:26:40.860]ones. We've been getting some
[00:26:42.820]Geek Squad ones from Best Buy,
[00:26:44.280]which really bothers me because
[00:26:45.720]when
[00:26:45.900]people have a scam and they
[00:26:47.260]need to get their computer
[00:26:49.800]fixed, I do send them either to
[00:26:51.260]the Geek
[00:26:51.660]Squad or to Schrock Innovations.
[00:26:55.010]I'll walk through a little bit
[00:26:57.040]on a scam and what to do when
[00:26:58.740]that
[00:26:58.920]happens. But I did want to show
[00:27:01.190]you these again. The other part
[00:27:03.580]of scam that's happening a
[00:27:05.520]little
[00:27:05.720]different than it used to. So
[00:27:07.250]we preached and preached and
[00:27:08.680]preached. Make sure not to go
[00:27:10.240]out and get
[00:27:10.840]gift cards. You've probably
[00:27:12.080]heard that, right? Don't go out
[00:27:13.440]and get a gift card when
[00:27:14.340]somebody
[00:27:14.920]asks you to do that. So now
[00:27:16.400]they've switched. And what they
[00:27:18.310]do is they have you get money
[00:27:19.920]and put it
[00:27:20.380]into an ATM that turns it into
[00:27:22.010]Bitcoin. And once it's in that
[00:27:23.780]ATM, you can't get it back. I
[00:27:26.100]do like
[00:27:29.660]to put this slide up when we
[00:27:30.990]were talking about students and
[00:27:32.640]the checks. It sometimes sounds
[00:27:34.420]too
[00:27:34.720]good to be true. Some of the scams
[00:27:36.650]are going that way, but a lot
[00:27:38.240]of them are more about what I
[00:27:39.770]was
[00:27:40.820]telling you were. They're
[00:27:41.640]telling you you're going to be
[00:27:42.560]charged and you don't want to
[00:27:43.550]be charged.
[00:27:44.120]I'm going to go ahead and play
[00:27:45.800]another quick video for you
[00:27:47.410]guys, just so you don't have to
[00:27:49.060]listen to
[00:27:49.480]me every time. You can see
[00:27:50.700]other things. So just a second.
[00:28:10.800]All right. Here we go.
[00:28:12.460]In today's connected world,
[00:28:14.500]personal information sometimes
[00:28:16.340]falls into the wrong hands.
[00:28:17.900]That can
[00:28:18.740]lead to identity theft. It
[00:28:20.230]might start with an unfamiliar
[00:28:21.900]charge on your credit card. A
[00:28:24.150]business
[00:28:24.480]might not accept your check or
[00:28:26.010]a debt collector might call you
[00:28:27.590]about a bill that isn't yours.
[00:28:29.320]You're not alone. Identity
[00:28:31.490]theft can happen to anyone.
[00:28:33.840]Stay calm. Visit identitytheft.gov
[00:28:37.040]to
[00:28:37.360]report and get a personal
[00:28:38.690]recovery plan.
[00:28:40.100]Identitytheft.gov helps you
[00:28:41.830]create an identity theft report.
[00:28:43.840]This report proves to
[00:28:45.140]businesses that
[00:28:45.860]someone stole your identity and
[00:28:47.640]makes it easier to fix problems
[00:28:49.570]caused by identity theft. To
[00:28:51.570]create
[00:28:51.860]an identity theft report, you
[00:28:53.340]can file a complaint with the
[00:28:54.440]Federal Trade Commission.
[00:28:55.760]Identitytheft.gov guides you
[00:28:58.460]through each step of the
[00:29:00.380]recovery process. You can
[00:29:02.780]generate the letters
[00:29:03.740]and forms you need, track your
[00:29:05.420]progress, and key detailed
[00:29:06.950]records of people you talked to.
[00:29:08.680]No matter what
[00:29:10.080]your identity theft situation
[00:29:11.790]is, identitytheft.gov helps you.
[00:29:14.810]Because recovering from
[00:29:15.760]identity theft is easier with a
[00:29:17.790]blank.
[00:29:18.040]Identitytheft.gov helps you
[00:29:18.850]create an identity theft report.
[00:29:19.840]This report proves to
[00:29:19.950]businesses that someone stole
[00:29:32.040]your identity and makes it
[00:29:40.060]easier to fix problems caused
[00:29:40.060]by identity theft. To create an
[00:29:40.060]identity theft report. You can
[00:29:40.060]generate the letters and forms
[00:29:40.060]you need, track your progress,
[00:29:40.060]and key detailed records of
[00:29:40.060]people you talked to. No matter
[00:29:40.060]what your identity theft
[00:29:40.060]situation is. Identitytheft.gov
[00:29:40.060]helps you. Because recovering
[00:29:40.060]from identity theft is easier
[00:29:40.060]with a blank.
[00:29:40.060]Identitytheft.gov helps you
[00:30:10.040]create an identity theft report.
[00:30:10.040]This report proves to
[00:30:10.040]businesses that someone stole
[00:30:10.040]your identity and makes it
[00:30:10.040]easier to fix problems caused
[00:30:10.040]by identity theft. To create an
[00:30:10.040]identity theft report. You can
[00:30:10.040]generate the letters and forms
[00:30:10.040]you need, track your progress,
[00:30:10.040]and key detailed records of
[00:30:10.040]people you talked to. No matter
[00:30:10.040]what your identity theft
[00:30:10.040]situation is. Identitytheft.gov
[00:30:10.040]helps you. Because recovering
[00:30:10.040]from identity theft is easier
[00:30:10.040]with a blank.
[00:30:10.040]Identitytheft.gov helps you.
[00:30:20.630]Because recovering from
[00:30:27.960]identity theft is easier with a
[00:30:37.570]blank.
[00:30:40.020]Identitytheft.gov helps you.
[00:30:50.550]Because recovering from
[00:30:57.940]identity theft is easier with a
[00:31:07.780]blank.
[00:31:10.000]Identitytheft.gov helps you.
[00:31:20.530]Because recovering from
[00:31:27.920]identity theft is easier with a
[00:31:37.070]blank.
[00:31:39.980]Identitytheft.gov helps you.
[00:31:50.510]Because recovering from
[00:31:57.900]identity theft is easier with a
[00:32:07.060]blank.
[00:32:09.960]Identitytheft.gov helps you.
[00:32:20.490]Because recovering from
[00:32:27.880]identity theft is easier with a
[00:32:37.030]blank.
[00:32:39.940]Identitytheft.gov helps you.
[00:32:50.470]Because recovering from
[00:32:57.970]identity theft is easier with a
[00:33:07.010]blank.
[00:33:09.920]Identitytheft.gov helps you.
[00:33:20.450]Because recovering from
[00:33:27.860]identity theft is easier with a
[00:33:36.990]blank.
[00:33:39.900]Identitytheft.gov helps you.
[00:33:50.430]Because recovering from
[00:33:57.930]identity theft is easier with a
[00:34:06.970]blank.
[00:34:09.880]Identitytheft.gov helps you.
[00:34:20.410]Because recovering from
[00:34:27.800]identity theft is easier with a
[00:34:36.950]blank.
[00:34:39.860]Identitytheft.gov helps you.
[00:34:39.860]Because recovering from
[00:34:39.860]identity theft is easier with a
[00:34:39.860]blank.
[00:34:39.880]Identitytheft.gov helps you.
[00:34:39.880]Because recovering from
[00:34:39.880]identity theft is easier with a
[00:34:39.880]blank.
[00:34:39.940]Identitytheft.gov helps you.
[00:34:39.940]Because recovering from
[00:34:39.940]identity theft is easier with a
[00:34:39.940]blank.
[00:34:39.980]Identitytheft.gov helps you.
[00:34:39.980]Because recovering from
[00:34:39.980]identity theft is easier with a
[00:34:39.980]blank.
[00:34:40.020]Identitytheft.gov helps you.
[00:34:40.020]Because recovering from
[00:34:40.020]identity theft is easier with a
[00:34:40.020]blank.
[00:34:40.040]Identitytheft.gov helps you.
[00:34:40.040]Because recovering from
[00:34:40.040]identity theft is easier with a
[00:34:40.040]blank.
[00:34:40.100]Identitytheft.gov helps you.
[00:34:40.100]Because recovering from
[00:34:40.100]identity theft is easier with a
[00:34:40.100]blank.
[00:34:40.140]Identitytheft.gov helps you.
[00:34:40.140]Because recovering from
[00:34:40.140]identity theft is easier with a
[00:34:40.140]blank.
[00:34:40.200]Identitytheft.gov helps you.
[00:34:40.200]Because recovering from
[00:34:40.210]identity theft is easier with a
[00:34:40.220]blank.
[00:34:40.320]Identitytheft.gov helps you.
[00:34:40.320]Because recovering from
[00:34:40.320]identity theft is easier with a
[00:34:40.320]blank.
[00:34:40.360]Identitytheft.gov helps you.
[00:34:40.360]Because recovering from
[00:34:40.360]identity theft is easier with a
[00:34:40.360]blank.
[00:34:40.400]Identitytheft.gov helps you.
[00:34:40.400]Because recovering from
[00:34:40.400]identity theft is easier with a
[00:34:40.400]blank.
[00:34:40.440]Identitytheft.gov helps you.
[00:34:40.440]Because recovering from
[00:34:40.440]identity theft is easier with a
[00:34:40.440]blank.
[00:34:40.500]Identitytheft.gov helps you.
[00:34:40.500]Because recovering from
[00:34:40.500]identity theft is easier with a
[00:34:40.500]blank.
[00:34:40.540]Identitytheft.gov helps you.
[00:34:40.540]Because recovering from
[00:34:40.540]identity theft is easier with a
[00:34:40.540]blank.
[00:34:40.560]Identitytheft.gov helps you.
[00:34:40.560]Because recovering from
[00:34:40.560]identity theft is easier with a
[00:34:40.560]blank.
[00:34:40.600]Identitytheft.gov helps you.
[00:34:40.600]Because recovering from
[00:34:40.600]identity theft is easier with a
[00:34:40.600]blank.
[00:35:10.180]will insist that there's
[00:35:13.170]reasons not to talk about it.
[00:35:16.940]So some of the scenarios might
[00:35:18.840]say
[00:35:19.100]that this is the FBI calling.
[00:35:21.760]We have found porn on your
[00:35:23.900]machine and you don't want
[00:35:26.160]anyone
[00:35:26.860]to know about that. So you need
[00:35:28.940]to quickly do these things or
[00:35:30.800]it's going to get released.
[00:35:32.880]These kinds of scenarios that
[00:35:34.890]are really panic, make you
[00:35:36.740]panic. You don't know what to
[00:35:38.980]do.
[00:35:39.340]Those are the kinds of things
[00:35:40.880]that happen when it comes to scams.
[00:35:43.230]So be aware.
[00:35:44.900]We had another, this happens
[00:35:47.960]every day, if not two to three
[00:35:51.010]times a day. So same thing,
[00:35:54.020]scenario of a member who
[00:35:56.870]received an email and this one
[00:36:00.460]was from Norton,
[00:36:02.640]called the phone number, again,
[00:36:05.000]got through these scenarios,
[00:36:08.500]have them come into the
[00:36:09.540]financial institution, always
[00:36:11.340]give them a story to tell us to
[00:36:14.030]try to
[00:36:14.580]withdraw the cash. I don't know
[00:36:18.510]how much more we can talk about
[00:36:21.770]it, but I want everyone to keep
[00:36:25.340]talking about it. And don't be
[00:36:26.840]embarrassed if you happen to be
[00:36:28.300]someone that's a victim of a
[00:36:29.550]scam.
[00:36:30.040]Talk about it, report it,
[00:36:31.770]because we need to keep telling
[00:36:33.640]people that this is going on.
[00:36:35.660]Right here, I have the weakest
[00:36:37.150]linked up,
[00:36:38.500]you probably know that because
[00:36:39.400]you work at the university. So
[00:36:40.960]you're always on tap that
[00:36:42.770]people
[00:36:43.060]are trying to scam you on your
[00:36:45.190]computer at work. And so we
[00:36:46.740]have to be really careful with
[00:36:48.530]that as
[00:36:48.880]well, because we can make the
[00:36:50.440]system really vulnerable where
[00:36:52.120]we work. That's usually the
[00:36:54.080]weakest link in how they can
[00:36:56.150]get in. Not very often do they
[00:36:58.490]hack into a business computer,
[00:37:00.300]it's usually someone letting
[00:37:01.610]them in. Freezing your credit.
[00:37:04.890]I'm not sure how many people
[00:37:07.150]are on
[00:37:07.720]the call today that have done
[00:37:10.390]this. I've had my credit frozen
[00:37:13.460]probably 12 years. These are
[00:37:18.280]the
[00:37:18.400]numbers here. Again, I can
[00:37:20.330]share that with all of you. You
[00:37:22.410]can call or you can go online
[00:37:24.340]to the
[00:37:25.240]three credit bureaus, Equifax,
[00:37:27.990]Experian, TransUnion. All of
[00:37:30.440]them do it a little bit
[00:37:32.200]differently when you freeze
[00:37:33.570]your credit. One of them will
[00:37:35.050]give you a pin number, one of
[00:37:36.390]them you
[00:37:36.880]have to set. The important
[00:37:38.490]thing is that you need to keep
[00:37:40.090]that pin number in order to unfreeze
[00:37:42.220]your
[00:37:42.460]credit. And so some people ask,
[00:37:44.330]well, what is the advantages
[00:37:45.960]and disadvantages of freezing
[00:37:47.780]your
[00:37:48.040]credit? If you're younger, it
[00:37:50.560]might be a little bit more clanky
[00:37:52.990]for you because you're out
[00:37:54.970]trying
[00:37:55.540]to get credit a little bit more
[00:37:57.060]than, say, someone who's my age,
[00:37:58.850]and I already have my credit
[00:38:00.350]cards,
[00:38:00.640]and I have my car loan, and I
[00:38:02.760]have my home. So I don't need
[00:38:05.230]to unfreeze,
[00:38:06.880]didn't freeze it as much. That
[00:38:08.680]could be a deterrent to wanting
[00:38:10.420]to freeze your credit.
[00:38:11.560]But you can unfreeze it. So you
[00:38:15.210]go in, you freeze it, you have
[00:38:18.170]your pin number,
[00:38:18.820]then let's say you need
[00:38:20.580]something. So in my case, a
[00:38:22.880]very long time ago, I needed to
[00:38:25.780]switch my phone
[00:38:26.680]carrier, and the phone carrier
[00:38:28.730]that I was going to wanted to
[00:38:30.460]pull my credit. So I'm like,
[00:38:32.500]well,
[00:38:32.680]I have my credit frozen.
[00:38:34.050]Unfortunately, in this case,
[00:38:35.320]the person didn't know which
[00:38:36.880]credit bureau they're going to
[00:38:37.950]pull. So I had to unfreeze all
[00:38:38.990]of them. Again, that works a
[00:38:41.080]little
[00:38:41.200]bit different. Some of these
[00:38:42.760]set a date, some you have to go
[00:38:44.320]back in and freeze. That just
[00:38:47.260]varies
[00:38:47.620]between the three of them. But
[00:38:49.100]it's a little clanky, but you
[00:38:50.360]can do it. So you unfreeze them.
[00:38:51.940]The person who pulls credit
[00:38:53.490]does that. It could be a
[00:38:54.710]financial institution here at
[00:38:56.440]the credit union.
[00:38:57.040]We know that you have it frozen.
[00:38:58.570]You unfreeze it. We pull the
[00:38:59.920]credit. You freeze it back up.
[00:39:01.720]It's all free. You don't have
[00:39:03.650]to pay to do that.
[00:39:05.860]The advantages, if your credit
[00:39:09.070]card is part of a breach, so
[00:39:11.780]for instance, the reason these
[00:39:14.140]are
[00:39:14.200]free to freeze now is that Equifax
[00:39:16.320]had a huge breach probably
[00:39:17.940]about six years ago when a
[00:39:20.500]credit
[00:39:20.800]bureau is compromised. That's
[00:39:22.510]pretty scary because it has all
[00:39:24.130]of your information and
[00:39:25.420]there's nothing really they can
[00:39:26.960]do except watch to try to make
[00:39:28.320]sure you don't have any
[00:39:29.390]problems.
[00:39:29.680]You can't change your account
[00:39:30.870]numbers. You can't get a new
[00:39:32.040]social security number.
[00:39:34.840]But in that case, I didn't need
[00:39:36.260]to worry about it because no
[00:39:37.520]one can open anything. They
[00:39:39.400]cannot
[00:39:39.760]go into the credit bureau and
[00:39:41.490]get my information and get it
[00:39:43.230]out. So I don't need to worry
[00:39:45.400]about
[00:39:45.640]that kind of any kind of breach
[00:39:48.140]on my credit. The other thing,
[00:39:52.060]I don't know if you'll be
[00:39:53.560]interested in this, but I don't
[00:39:55.300]have any direct mail pieces
[00:39:56.790]from anyone coming to my house,
[00:39:59.500]except for political ads. I can't
[00:40:01.260]seem to get rid of those. But
[00:40:03.490]for
[00:40:03.820]anything that has to do with
[00:40:05.760]credit, I no longer get those
[00:40:07.840]mailings to my house offering
[00:40:09.640]me
[00:40:09.760]different credit because there
[00:40:11.280]is no way for them to do that.
[00:40:12.520]I've had the question someone
[00:40:13.960]asked,
[00:40:14.260]well, what about the fact that
[00:40:16.010]your insurance rates are off
[00:40:17.630]the credit bureau? Sometimes
[00:40:20.080]some healthcare issues are with
[00:40:22.050]credit bureaus. Once you've
[00:40:23.920]allowed someone to pull your
[00:40:25.670]credit,
[00:40:26.320]they can go and get updates,
[00:40:28.040]even if you have your credit
[00:40:29.820]frozen. So that's not a deterrent.
[00:40:32.440]That's
[00:40:32.800]not going to cause your
[00:40:33.810]insurance rates to go up or
[00:40:34.960]cause any problems with other
[00:40:36.340]things you
[00:40:36.760]do if you want to go ahead and
[00:40:38.950]freeze your credit. So up to
[00:40:41.640]you. I do find it, for me,
[00:40:45.280]it's just a peace of mind.
[00:40:48.250]Annual credit report, I said
[00:40:50.020]that I would go ahead and talk
[00:40:50.860]about
[00:40:51.160]reviewing your credit report.
[00:40:53.320]So one of the things we talked
[00:40:55.150]about at the very start was one
[00:40:57.760]of the
[00:40:58.000]things you can do is to check
[00:40:59.380]your credit report. So annualcreditreport.com,
[00:41:02.360]that is a government
[00:41:04.360]website. There are others,
[00:41:05.990]right? I think they're, you
[00:41:07.610]know, karma, some other things
[00:41:10.120]you can get in
[00:41:10.780]the get through email. They
[00:41:12.360]might tell you about it or
[00:41:13.680]might advertise about it. The
[00:41:16.240]thing I like
[00:41:16.660]the most about annual credit
[00:41:18.100]report is you're not going to
[00:41:19.670]get any spam afterwards. It's a
[00:41:21.340]government site. You go in, you
[00:41:23.090]get your credit report. That's
[00:41:24.770]it. There's nothing more to the
[00:41:26.560]site.
[00:41:28.000]It will ask you for your social
[00:41:30.000]security number. So don't get
[00:41:31.740]freaked out when you go in
[00:41:32.980]there to
[00:41:33.320]get that. But that's the only
[00:41:34.950]way to get your credit report
[00:41:36.540]done. Now, everyone can get one
[00:41:38.860]free credit report a year, but
[00:41:40.720]we have three credit bureau
[00:41:42.480]agencies. So truthfully, you
[00:41:44.370]can
[00:41:44.700]get two a year, right? So get
[00:41:46.940]one first. I would always
[00:41:48.920]suggest, if you haven't done
[00:41:51.080]this, to go
[00:41:52.160]to Experian first. Most
[00:41:53.960]financial institutions in
[00:41:55.220]Nebraska use Experian. So that
[00:41:57.170]would probably
[00:41:57.780]give you the best updated
[00:41:59.590]information. Go in, get that,
[00:42:02.080]see how that's going. If there's
[00:42:04.690]anything
[00:42:04.960]on that credit report that you
[00:42:06.440]see is wrong, then you can
[00:42:07.620]dispute that with the credit
[00:42:09.000]bureau.
[00:42:09.560]It takes about six months to
[00:42:11.110]clear up. So it's another
[00:42:12.800]suggestion if you're going out
[00:42:14.390]to get
[00:42:14.840]credit, such as buying a home.
[00:42:16.810]Good idea to make sure you go
[00:42:17.980]and look at this credit report
[00:42:19.610]six
[00:42:20.260]months in advance. If there is
[00:42:22.000]an error, you can get it
[00:42:23.280]corrected before you go talk to
[00:42:24.970]that loan
[00:42:27.560]agency. So then go to Equifax
[00:42:30.600]next. Get that six months after
[00:42:33.990]that. So you can be really on
[00:42:37.620]top of
[00:42:38.020]what's going on with your
[00:42:39.320]credit and making sure there
[00:42:40.800]isn't anything on there that
[00:42:42.280]shouldn't be
[00:42:43.060]reported. Another myth, and I
[00:42:45.190]think we'll probably cover this
[00:42:47.240]again in another series I'm
[00:42:49.340]going to do
[00:42:49.640]for this challenge, but people
[00:42:53.600]have a fear of wanting to close.
[00:42:57.340]A credit card or other lines of
[00:42:59.480]credit. It is okay to do that.
[00:43:01.920]If you're out shopping for a
[00:43:04.070]home for
[00:43:04.560]a mortgage, I would hesitate to
[00:43:06.810]close anything at that time.
[00:43:08.980]But if you're not doing that,
[00:43:11.180]your credit will dip your score
[00:43:13.840]a little bit, but it will come
[00:43:16.370]right back up the next time
[00:43:20.080]that
[00:43:20.240]report comes out. So it is okay.
[00:43:22.590]Even if you've had a credit
[00:43:24.100]card for a long time, it is
[00:43:25.730]okay to
[00:43:26.220]get that off there.
[00:43:27.120]The reason that I suggest that
[00:43:29.750]you look at doing that is the
[00:43:32.300]more lines of credit you have
[00:43:33.680]out there that are open and
[00:43:35.360]available, it's just hard to
[00:43:36.820]keep track of. You may have
[00:43:39.620]opened up a department store
[00:43:40.820]card 10 years ago, and that
[00:43:44.500]available credit's still out
[00:43:45.770]there. Well, you kind of forget,
[00:43:46.640]right? You get it and you put
[00:43:48.440]it in a drawer and you kind of
[00:43:49.760]forget about it. Well, that's
[00:43:51.500]an open avenue for ID theft or
[00:43:53.250]scams, and so that's why I'm
[00:43:54.960]adding it here, even though I
[00:43:56.900]wouldn't do that.
[00:43:56.900]I will cover that a little bit
[00:43:58.100]more in depth in another
[00:43:59.160]seminar.
[00:43:59.760]All right. I don't know if any
[00:44:03.010]of you have this available, but
[00:44:04.990]most financial institutions now
[00:44:07.160]give you this advantage with
[00:44:08.920]your card, and that is called
[00:44:10.730]card controls. Here at the
[00:44:12.830]credit union,
[00:44:13.200]we have it under my cards, and
[00:44:15.320]these give you the ability to
[00:44:16.850]turn the cards on and off.
[00:44:18.660]It also gives you the ability
[00:44:21.060]to set alerts on your cards. So
[00:44:23.760]you can set it up. Let's say
[00:44:26.170]that
[00:44:26.680]you're real comfortable if a
[00:44:28.260]charge goes through that's $50,
[00:44:30.370]but I'm not real comfortable. I
[00:44:32.210]don't
[00:44:32.660]do a lot of charges that are
[00:44:33.590]around $100. So if something
[00:44:34.960]goes through for $100, I'd like
[00:44:36.360]it to
[00:44:36.680]alert me, and then I can just
[00:44:37.990]look at it and make sure that
[00:44:39.250]it's okay. You can set
[00:44:40.330]something that
[00:44:41.580]specific. Also, you can set it
[00:44:43.730]up so that you have regions,
[00:44:45.570]for instance. So I only want my
[00:44:47.830]card used
[00:44:48.280]in Nebraska. You can set that
[00:44:50.400]up. Of course, you can take
[00:44:52.160]that block off when you travel,
[00:44:54.320]but that might also help.
[00:44:56.460]You keep track of what's going
[00:44:58.780]on to control it for that. One
[00:45:00.850]really cool thing that most
[00:45:02.820]card
[00:45:03.500]controls have, and if you're a
[00:45:05.070]parent, you might like this.
[00:45:06.690]You can make sure that that
[00:45:08.050]card
[00:45:08.360]isn't useful for out on the
[00:45:10.180]internet. You can't do any
[00:45:12.170]online purchases with the card.
[00:45:14.680]You can
[00:45:15.140]turn that off and on. So if it's
[00:45:16.820]your card and you're letting
[00:45:18.200]them use it, maybe you just
[00:45:19.590]want
[00:45:19.940]them to go get some gas, which
[00:45:21.420]is fine. We totally understand
[00:45:23.070]that. You clamp that card down
[00:45:24.750]while
[00:45:24.940]they're going to do that.
[00:45:26.240]And then bring it back. Or if
[00:45:27.420]you're just trying to teach
[00:45:29.140]some responsibility to your
[00:45:31.700]child,
[00:45:32.060]you can get a debit card for
[00:45:33.600]them and then really tie that
[00:45:35.290]thing down so that all they can
[00:45:37.080]do maybe
[00:45:37.680]is gas. But at least you're
[00:45:39.300]teaching them all about credit
[00:45:41.070]cards and plastics. There's no
[00:45:46.100]question that that's where we're
[00:45:47.510]moving, right? We're not going
[00:45:48.990]to have kids running around
[00:45:50.110]with
[00:45:50.420]cash much. They're going to be
[00:45:51.740]running around with cards. So
[00:45:53.050]they need to understand that
[00:45:54.310]that's real
[00:45:54.760]money. I know it's
[00:45:56.020]you know, in the day when we
[00:45:57.190]only had $10, the $10 was gone.
[00:45:59.530]You know, now you have a card
[00:46:00.960]and it
[00:46:01.460]seems, you know, an infinite
[00:46:02.920]amount of money on there. So
[00:46:04.570]good way to teach them. But
[00:46:06.320]card controls
[00:46:06.980]is really an awesome
[00:46:08.380]opportunity to pay attention to
[00:46:10.610]what's going on with your cards.
[00:46:13.570]Some people
[00:46:14.440]might be concerned about using
[00:46:16.050]a digital wallet, but I do want
[00:46:17.650]to assure everyone that these
[00:46:20.180]digital
[00:46:20.520]wallets are safe. In fact, it's
[00:46:23.330]changing the algorithm on the
[00:46:25.800]card. So if you're using a
[00:46:25.800]digital
[00:46:25.800]wallet, you want to make sure
[00:46:27.170]that you're using a digital
[00:46:28.430]wallet on the card each time it's
[00:46:30.350]being
[00:46:31.060]used. So it's really hard for
[00:46:32.880]anyone to steal the information
[00:46:34.780]while you're using that digital
[00:46:36.740]wallet. We have Google Pay,
[00:46:38.270]Samsung Pay and Apple Pay. If
[00:46:40.230]you haven't tried it, it is a
[00:46:43.480]lot of fun
[00:46:44.280]and makes things makes charging
[00:46:46.170]easier. And in that case, also,
[00:46:48.270]you can set it an alert. So
[00:46:49.960]that
[00:46:50.300]alert comes right away telling
[00:46:51.920]you you just did a transaction.
[00:46:53.680]So if someone else is getting ahold
[00:46:55.580]of
[00:46:55.580]it, you can set it an alert. So
[00:46:56.680]you don't have to worry about
[00:46:57.990]that. And that is all I have
[00:46:58.320]for our
[00:46:58.320]seminar today. That's my
[00:46:59.830]information there. You're
[00:47:01.480]welcome to give me a call
[00:47:02.760]anytime. I'm going to go
[00:47:03.940]ahead and stop sharing my
[00:47:05.290]screen so we can all see each
[00:47:06.770]other. And let's see if we have
[00:47:08.500]any chats.
[00:47:09.300]All right. Most of you just
[00:47:22.260]telling me when I couldn't see
[00:47:24.150]the screen.
[00:47:25.360]I apologize for that. Very good
[00:47:28.020]question. Lisa asked me is, is
[00:47:33.060]there are there any limits to
[00:47:34.600]the number of times you can
[00:47:35.400]freeze and unfreeze your credit?
[00:47:36.570]No, there's not. You guys can
[00:47:38.150]you
[00:47:38.420]can do that as many times as
[00:47:39.990]you need. Perfect. And just so
[00:47:42.060]you know, the wow was to when
[00:47:44.130]you
[00:47:44.360]were telling the story about
[00:47:45.940]the lady that came in. It's
[00:47:47.530]like breaks my heart. Yeah, it
[00:47:50.260]it broke
[00:47:51.180]our heart, too, because we have
[00:47:52.520]she's been a member for a very
[00:47:53.590]long time. And
[00:47:55.140]we just want to take care of
[00:47:56.570]people. Yep. Can you cancel a
[00:48:00.160]credit card if you freeze your
[00:48:02.670]credit?
[00:48:02.880]Yes. Just cancel that with your
[00:48:05.120]financial institution. No
[00:48:07.090]problem there.
[00:48:08.320]All right. Since we do have a
[00:48:11.810]few minutes, you guys, if you
[00:48:15.460]do want to unmute and ask me a
[00:48:17.820]question, I don't have a
[00:48:18.670]problem. And if it's off topic,
[00:48:19.850]it's fine as well. Did anybody
[00:48:24.190]look? I'll
[00:48:24.920]go ahead. All right. What kind
[00:48:28.260]of advice do you have for
[00:48:30.570]younger, the younger kids? I
[00:48:33.800]have a 15
[00:48:35.060]going on 35 year old who thinks
[00:48:37.960]she knows everything and just
[00:48:40.460]whatever. I mean, she
[00:48:42.660]buys off a sheen and she does
[00:48:44.420]this all with her card. What
[00:48:46.430]advice would you have
[00:48:47.800]for a parent who's not? I'm not
[00:48:50.400]that tech savvy like she is.
[00:48:52.830]What advice can I give her?
[00:48:54.700]Kind of watch for things and
[00:48:56.460]things like that. Yeah. So if I'm
[00:48:58.660]hearing you right, she has
[00:49:01.080]probably she's able to use a
[00:49:03.150]credit or a debit card. And she's
[00:49:05.830]probably making her own money
[00:49:07.520]at 15. Maybe is she mowing lawns?
[00:49:09.740]She is my straight A student
[00:49:11.050]who plays volleyball. So
[00:49:12.280]she gets allowance. She gets
[00:49:15.660]money. Congratulations. That's
[00:49:19.820]awesome. So I think it is I
[00:49:22.890]think parents
[00:49:24.480]need to have that hard talk to
[00:49:25.970]them about being aware that
[00:49:27.430]everyone isn't safe. Right. We
[00:49:29.530]used to
[00:49:30.040]talk to them about not talking
[00:49:32.170]to strangers and not doing this.
[00:49:34.960]Now, unfortunately, we're going
[00:49:36.580]to have to have that talk about
[00:49:38.220]Facebook or social media in
[00:49:39.980]general, that everyone on there
[00:49:41.520]isn't
[00:49:41.820]your friend and that there are
[00:49:44.240]people out there just purposely
[00:49:46.850]trying to catch you and do
[00:49:49.720]things
[00:49:49.980]they shouldn't. And so that's
[00:49:51.750]where I would I would start
[00:49:53.290]there when with talking to her.
[00:49:54.260]I would start there when with
[00:49:55.820]talking to her about that. But
[00:49:57.200]I don't know if you can put
[00:49:58.390]those card controls on with her
[00:50:00.630]card so that she wouldn't be
[00:50:02.690]able to use it in certain ways.
[00:50:05.140]She has a spending cap on her
[00:50:07.490]card. Good. But your very last
[00:50:10.350]slide that just said Google,
[00:50:12.870]you know, Google Pay, Apple Pay
[00:50:15.760]is is super safe.
[00:50:17.540]I haven't let her do Apple Pay
[00:50:19.130]because I've been scared that
[00:50:20.790]it isn't safe, but I literally
[00:50:22.510]just text her and I was like,
[00:50:24.240]go ahead and update your Apple
[00:50:25.750]Pay. Yeah. Your card. Yeah. Yes.
[00:50:29.150]That's smart for her to do
[00:50:30.380]instead. It's a OK. I have no
[00:50:33.200]problem with it. You know. None
[00:50:36.340]of your daughter's probably
[00:50:39.000]less
[00:50:39.360]likely to lose her phone than
[00:50:41.040]she is a card. Yeah. Right.
[00:50:43.270]Because they're tied to it. It's
[00:50:45.360]like
[00:50:45.840]part of their limbs. And so
[00:50:48.740]what they require when you do
[00:50:51.630]an Apple Pay, a Google Pay,
[00:50:54.220]or a Samsung Pay is you have to
[00:50:55.550]put a lock on your phone. She
[00:50:56.990]may or may not have already
[00:50:58.000]done that, but it will require
[00:50:59.940]it. So if she hasn't already
[00:51:02.080]done facial recognition or
[00:51:03.700]any other biometrics on her
[00:51:05.710]phone, it will require that in
[00:51:07.950]order to do that.
[00:51:09.360]But as a also you can talk to
[00:51:11.700]her about this. There should be
[00:51:14.700]a way for you to wipe that
[00:51:16.360]phone in case she does lose it
[00:51:19.010]and to have that ability to do
[00:51:21.660]that. I'm pretty sure Apple has
[00:51:24.200]a
[00:51:24.200]program that can help you to
[00:51:26.270]help you do that for her. But
[00:51:28.350]yeah, it is safe because one,
[00:51:30.880]we tend to lose our purses. We
[00:51:32.440]lose our cards. Right. We just
[00:51:34.200]don't lose our phones.
[00:51:35.560]It does change the algorithm
[00:51:37.740]every time. So they can't pick
[00:51:40.170]up the number. So even if there
[00:51:42.770]is
[00:51:42.980]some sort of skimmer or
[00:51:44.150]something on the machine, it
[00:51:45.680]can't. It's a different number.
[00:51:47.570]It can't get
[00:51:48.460]that information. So that's why
[00:51:50.980]the wallets, they also verify
[00:51:53.240]you when you put your phone
[00:51:54.180]on your phone to make sure it's
[00:51:55.520]you that's doing that. We have
[00:51:57.380]not had an ounce of trouble.
[00:51:59.520]And so
[00:51:59.820]if there's a question, then the
[00:52:02.100]financial institution can go
[00:52:04.200]into Visa and we can
[00:52:05.620]research it and make sure that
[00:52:06.930]that's the person that's coming
[00:52:08.350]in. So if there's any flags,
[00:52:09.800]the financial institution gets
[00:52:11.400]involved. Okay, perfect.
[00:52:13.240]But I think for your daughter,
[00:52:14.400]she just seems like she's
[00:52:15.340]probably going to go out and
[00:52:16.480]use that where she wants. So
[00:52:18.410]probably it's more about just a
[00:52:20.420]conversation about
[00:52:24.160]certain things are.
[00:52:25.130]Unfortunately, I wish we didn't
[00:52:26.590]have to do that, but no.
[00:52:27.760]Thank you.
[00:52:29.000]Anything else?
[00:52:30.900]Did you guys learn anything
[00:52:34.060]from your worksheets last few
[00:52:38.100]days?
[00:52:38.740]Nothing too much. Okay. All
[00:52:41.670]right. Well, again, I really
[00:52:44.600]appreciate you taking the time
[00:52:47.360]to do
[00:52:47.740]this challenge. I think it will
[00:52:49.860]hopefully bring light to things
[00:52:51.890]that we haven't thought about.
[00:52:54.140]Or, you know, if you have been
[00:52:55.870]concerned about budgeting or
[00:52:57.530]you have been concerned about
[00:52:59.300]your
[00:52:59.520]credit, then this is going to
[00:53:01.200]be the month that you get that
[00:53:02.780]answered. And then hopefully
[00:53:04.680]set up
[00:53:05.700]some, you know, new habits
[00:53:07.780]maybe. But please feel free to
[00:53:10.290]reach out to me or anyone at
[00:53:12.030]the
[00:53:12.400]credit union. We're here for
[00:53:13.600]you, even if you're not a
[00:53:14.720]member. That's what our job is.
[00:53:16.030]So,
[00:53:16.300]all right. Everyone have a
[00:53:18.230]great day. It's beautiful out.
[00:53:20.650]Thank you.
[00:53:24.120]Thank you.
[00:53:24.700]Dina, if you want to share
[00:53:30.620]those slides.

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Resistance Training for Scams

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