Hello and welcome to
again to "Issues and Answers."
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We're so glad that
you could join us today
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and you're going to be glad too.
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I want to encourage you
to get a pencil and a paper,
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no matter where you are.
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And if
particularly if you're a parent,
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we are going to be talking
today about identity theft.
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And this is
something that is happening
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to all age
groups, not just adults.
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You're going to be
shocked, at least I was.
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And I want you to
sit down and write down
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some of this information,
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so that you will know
how to protect your identity.
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This is something that
identity theft is becoming
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much more
prevalent than we realize.
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And it can be very dangerous
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and cause you a lot of problems.
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You know, the Lord
Jesus said in Matthew 10:16.
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He said, "Behold I'm
sending you out like sheep
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in the midst of
the wolves, be wary,
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be wise as serpents
and gentle as doves."
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We've got to become
wise as those serpents
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who are trying to
steal our identity.
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And here today to tell
us how we might protect
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that identity is Ernest Staats.
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Ernest, thank you so
much for joining us again.
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You're welcome.
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You know, I always
enjoy when you're here
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because you're very
knowledgeable on this topic of.
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You're, I mean your
degree is in actually,
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your masters, isn't it?
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My masters, yes. Is
in internet--I mean--
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Network
Security. Network Security.
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And so you are the IT Director
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for the
Georgia-Cumberland Academy.
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And that is in...
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Calhoun,
Georgia. Calhoun, Georgia.
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I had a brain freeze in.
Anyway, we're glad you're back.
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So tell me you and I were
talking before the program.
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And you shocked me
because I've only thought
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of identity theft as
being an issue for adults.
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You said,
otherwise. That's right.
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I wish it was
just an adult issue
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because I know it would be
one less thing I have to do.
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But I have, I have young
girl, 4-years-old, Nariah.
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But the
statistics are proving out
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the last few years has
been really a surprise.
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People have been turning
18 and they'd be finding out
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they have a
horrible credit rating.
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And they're trying to
figure what's going on
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and they found out that,
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they found that
social security numbers
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were not that
protective of young people.
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Schools, public schools,
you know that different areas
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where it's-- they
were people getting--
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if we can hold of the
social security number,
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they then just
change the birth date.
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So they're finding that
the actual largest growing
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market of identity
theft right now today
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is in young children.
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And I don't suppose
people think to even,
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I certainly
wouldn't think to check
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the credit reports on my child.
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Right. I wouldn't have
thought about it either.
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When I was at
cyber crime seminar
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which is a gathering
of all the top FBI people,
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dealing with this
type of issue in Atlanta,
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year ago they
talked about the fact
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that this is becoming
such a large issue now
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that they are
recommending every parent,
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if your child is
over 2 years of age
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to start checking
their credit report
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history every year, once a year.
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There is just one more thing
to worry about, isn't there?
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So what can we do to
protect our family's identity?
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There is a lot of
steps you can take.
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First of all, you're
going to be careful about
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who you give
your information to.
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You want to make sure
that they're being careful
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with the information and
you have every right to say,
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how is this going to be stored?
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You know, if you
walk into a place
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where you see credit card
number is just stacked up,
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there's a problem. Okay.
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You know, if nobody's
there watching the counter.
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But you want to just
take some precautionary steps,
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we recommend and
actually the FBI also recommends
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that you don't
receive any type of mail
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to your mailbox
unless it's a locked mailbox.
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Or you have it
deliver to a post office box.
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You just have your
personal mail coming there,
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but no financial
information whatsoever.
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We've gone at our house,
we've gone to all online banking
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and we even get our
statements electronically.
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You see, there's something think
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oh, mercy now that's really
dangerous to do online banking.
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But you are saying
it's actually safer.
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I think it's a lot
safer in lot of ways
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because a lot
of people are doing
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what are called,
what's called dumpster diving
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or trash diving where
there's actually companies
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that hire people that
when your trash gets taken out,
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they go through the trash
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looking for that
type of information.
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Now say I use a
shredder at home,
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I mean, for
everything just about
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that has to do with any
kind of personal information,
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any kind of I use a
shredder for credit card offers,
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you know, anything like that.
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And that's what
you should be doing.
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That's excellent.
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Because shredders are cheap,
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you know, compared to someone
who has lost their identity.
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And I had someone you know,
take my identity once also.
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And it took me
months to re-gather
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all the
information that they took
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and they charged up stuff on my
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and it was going
straight out of my debit card,
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so it came
straight out of my account.
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So with that paper
shredder, you know for 20, 30,
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even 50 bucks if you
go buy an expensive one
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that will shred CDs
that has electronic data.
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You know, that's
not a huge expense.
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And the other thing
that I do is recently
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we had a laptop
computer that was beyond repair.
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And so before I
donated it to someone else,
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I took out all the hard drive,
I took out anything that could
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have any kind of data,
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even though it had
been erased stuff out now,
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I know somebody could be
smart enough to retrieve it.
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So I'm very careful that way.
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And that's really
important, because like for us,
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the financial
computer we retired last year,
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one of the computers at GCA.
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We formatted the
hard drive. Right.
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Then we formatted it was a drill
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and we took a drill and
went through it several times
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with a drill and literally went
through physically destroyed it,
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because it had
the financial data
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of people who came to
our academy and stuff.
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That's the only way
to truly be make sure
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that it is beyond
anybody getting information
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of if it's physically destroyed.
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Even if you format it,
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I have software
where I can unformat it.
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And it's open to
the public, it's online.
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All right. So we
got to be careful.
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What are some other ways?
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Besides we want to make sure
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that you protect
your information,
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you want to make
sure you receiving stuff
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in a secured fashion.
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If you receive
stuff on your computer
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and people say oh, you know,
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you do any
electronic transactions
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you need to be
really worried about that.
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To me, I'm more worried honestly
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than the
electronic transactions,
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I'm more worried
about handing my debit card
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to someone at a restaurant.
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You actually had an
experience, didn't you?
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I had an
experience and it bit me.
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And I handed a debit card
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and they charged
a bunch of things
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and it came
straight out of my account.
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Now I always make
sure it's a credit card
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that I can go back and
I can dispute the charges.
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Debit card never leaves
my hand, it's my philosophy.
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So but a credit card
then I can get of someone,
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because you get
something to stand on.
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The other issues
you want to look at
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as you're doing this and you're
trying to keep yourself safe,
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you want to make sure that
you have everything secured
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including your computer,
most people think about this,
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they will go home and they
will put wireless in their house
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because it's
convenient, they don't realize
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that their neighbors
over there can see everything
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they're doing on
their wireless network
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including their
banking transactions
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and other thing,
so you want to be--
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Oh, really, I was just
thinking of having wireless
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in my home but you're
saying that's not a good.
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No, it's not bad to do
it all, I've got wireless
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but on my website es-es.net.
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I have narrative
PowerPoint that tells
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you how to secure you wireless.
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If you don't
secure your wireless,
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then you're asking for trouble.
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But if you secure your wireless,
it's not a problem at all.
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Because there's not too many,
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I know that sophisticated
hackers might get beyond
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some firewalls and
the decryption things
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but for most of your neighbors
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are not going to
have that kind of look.
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And that's probably,
you know, you need to take
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in consideration
where you are at,
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if you're living in
downtown, metropolitan area.
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You know, if you're
living out in the country,
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I still would
put security on it.
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But you know I
won't be quite so worried
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as going to the high level,
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I always put what's
called WPA security.
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And if you go on to my website,
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you can look at the PowerPoint
it will explain all this to you.
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And that's more than
we have time for today
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And one thing that I learned
not to do many years ago,
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I used to carry my social
security card in my wallet
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and I had my credit cards
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and you got the
checkbook in there
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and I have my
social security card.
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And all of a
sudden it dawned on me.
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Well, if I ever lost my
wallet my identity is gone.
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It is.
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And but I recommend
also for people to do
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and I've done this because
we do quite a bit of traveling,
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my wife and myself
with our little girl.
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I've taken out
everything that's in her purse
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and everything that's in my
wallet and I've photocopied it.
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And then I sent it
to a friend who I know
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he's got a fire safe
and I trust him implicitly.
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He's an accountant.
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He has it saved there,
so it's inner fire safe,
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so if something
happens, I can call him
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and get on my
numbers right away.
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Oh, that's smart.
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So, or you know,
we've also sent stuff,
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we've got pictures of our first
little girl who passed away.
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I've got copies
of those at my house
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and then I've also have
a copy at my parent's house
00:09:01.46\00:09:03.28
in case we had a house fire.
00:09:03.31\00:09:05.19
You know, there are some
things that you want them
00:09:05.22\00:09:06.79
that are a worth
more value to that you
00:09:06.82\00:09:08.11
want to make sure that you
have copies or duplicates of.
00:09:08.14\00:09:11.19
And that's one of
the things I recommend is
00:09:11.22\00:09:12.72
if you do a lot of
traveling to do that,
00:09:12.75\00:09:14.60
if you're going to
be leaving the country,
00:09:14.63\00:09:15.86
that's very important. Okay.
00:09:15.89\00:09:17.47
So how about, can't
you place a fraud alert
00:09:17.50\00:09:22.41
on your credit cards?
00:09:22.44\00:09:24.02
Yes, you can.
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And matter of fact I
just received the notice
00:09:25.11\00:09:26.61
because I used to work
for the State of Georgia
00:09:26.64\00:09:27.89
that I need to put
a fraud alert alarms,
00:09:27.92\00:09:29.30
because they just lost the hard
drive that had all the data,
00:09:29.33\00:09:31.79
all of those
personal information on
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for all the employees
of the state of Georgia
00:09:33.56\00:09:35.19
for the last 15 years.
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So but when you do that,
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you want to
place your fraud alert,
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you can also go
to annualreport.com.
00:09:39.81\00:09:42.52
You know, and
your creditreport.com,
00:09:42.55\00:09:44.28
it's on my website, you
can link from my website.
00:09:44.31\00:09:47.11
If you don't remember the
URL and it will take you out
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and there's 3
different companies out there
00:09:48.99\00:09:51.11
that you can go through
and check your credit reports.
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I only check one at a
time, I don't do all three.
00:09:53.69\00:09:55.73
Explain why?
00:09:55.76\00:09:56.88
Because I check the first
one, I wait about 3 months
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then I check the second one.
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Then I wait about 3 months
and then I check the third one.
00:10:01.01\00:10:03.53
So that I'm kind of
getting them throughout
00:10:03.56\00:10:04.99
the whole year, not
just once a year doing it.
00:10:05.02\00:10:07.90
That way I can go through just
because if something shows up
00:10:07.93\00:10:10.18
kind of funky on
one then I can say,
00:10:10.21\00:10:11.91
okay, there is something going
on, I can go ahead if I need to,
00:10:11.94\00:10:13.83
I can run the
second one against it,
00:10:13.86\00:10:15.59
because it's been
long enough time period.
00:10:15.62\00:10:17.70
So if you do that
every 3 or 4 months you know,
00:10:17.73\00:10:19.53
you can kind of go
through and check through
00:10:19.56\00:10:21.31
and see exactly what's happening
with your credit reports
00:10:21.34\00:10:23.45
and like I said I
check my daughter's too
00:10:23.48\00:10:25.69
and she's only 4-years-old.
00:10:25.72\00:10:27.48
And what is the charge
for something like that?
00:10:27.51\00:10:30.38
If you're doing
the annualreport.com,
00:10:30.41\00:10:31.85
it's nothing, it's
free. Annualreport.com.
00:10:31.88\00:10:35.30
Annualcreditreport.com
and you can go through
00:10:35.33\00:10:37.55
and pull it off once a year
00:10:37.58\00:10:39.18
from each of those
different agencies for free.
00:10:39.21\00:10:41.39
We can get all three for free.
00:10:41.42\00:10:42.99
You get all three as long
as you only do one at a time.
00:10:43.02\00:10:46.25
So you spread them
every 3 or 4 months, you know.
00:10:46.28\00:10:48.90
I just have got--
there are certain months
00:10:48.93\00:10:50.21
where I do things like
taxes, when I do my taxes,
00:10:50.24\00:10:52.28
I do the credit
reports at the same time.
00:10:52.31\00:10:54.70
How can you secure
your online connections
00:10:54.73\00:10:56.84
when you're
talking about the banking
00:10:56.87\00:10:59.55
and all of the stuff,
let's talk about this more.
00:10:59.58\00:11:02.01
When yours, first of
all you want to make sure
00:11:02.04\00:11:03.74
that your bank has
good security in place
00:11:03.77\00:11:06.06
or if you're
buying something online.
00:11:06.09\00:11:07.67
I mean, like we
were talking offline,
00:11:07.70\00:11:09.29
I even buy my groceries online.
00:11:09.32\00:11:12.23
When I do that I got to make
sure that it's a secure site.
00:11:12.26\00:11:15.08
It will usually say in the URL,
https and it will have a colon.
00:11:15.11\00:11:20.00
And then it will have you
know, and they will have a colon
00:11:20.03\00:11:22.02
and then have the
rest of the website,
00:11:22.05\00:11:23.78
you know, www, whatever.
00:11:23.81\00:11:25.49
But the "s" means
it's a secure connection.
00:11:25.52\00:11:28.35
Typically you will see if
you have an older browser,
00:11:28.38\00:11:31.45
you will see a padlock down
at the bottom right hand corner,
00:11:31.48\00:11:34.03
a golden padlock.
00:11:34.06\00:11:35.32
If that padlock is gold
and it's locked it's secure.
00:11:35.35\00:11:38.67
If you have a newer browser
00:11:38.70\00:11:40.37
and it's not a
secure connection,
00:11:40.40\00:11:42.13
it will pop up with an alert
00:11:42.16\00:11:43.49
and it will tell you
Internet Explorer, Mozilla,
00:11:43.52\00:11:45.71
these newer browsers if they're
latest versions they will say,
00:11:45.74\00:11:48.16
this is an unsecured connection,
00:11:48.19\00:11:49.68
do you want to go here?
00:11:49.71\00:11:51.36
If it's you bank or something
you're buying from, no way.
00:11:51.39\00:11:54.33
You don't want to go
there because there's a problem
00:11:54.36\00:11:55.95
that is being compromised.
00:11:55.98\00:11:57.30
You also want to
make sure that any place
00:11:57.33\00:11:59.44
you're going to
has a physical address.
00:11:59.47\00:12:01.09
I would never buy something
00:12:01.12\00:12:02.15
that's just
purely an online site.
00:12:02.18\00:12:04.29
They don't have some
type of physical address
00:12:04.32\00:12:05.82
that you can reference back to.
00:12:05.85\00:12:07.78
Because you have no idea
who are you dealing with?
00:12:07.81\00:12:10.21
And where they are at,
once you've done those steps,
00:12:10.24\00:12:12.48
then you want to make sure
your basic computer is safe.
00:12:12.51\00:12:14.98
You want to make sure you've
got all your Microsoft updates
00:12:15.01\00:12:17.05
if you're running Windows,
if you're running Macintosh
00:12:17.08\00:12:19.80
or what, you know,
Linux, one of these others,
00:12:19.83\00:12:21.51
you can also got
to update those too.
00:12:21.54\00:12:23.40
You know, I'm rather,
when you take Microsoft
00:12:23.43\00:12:26.20
updates I always get my
entire virus software updates
00:12:26.23\00:12:30.30
just where it's
an automatic thing.
00:12:30.33\00:12:32.22
But I'm reluctant about getting
the updates on the Microsoft
00:12:32.25\00:12:36.69
because one time
I didn't update it
00:12:36.72\00:12:39.06
and it messed up
my computer so badly
00:12:39.09\00:12:41.19
and it took a week practically
to get it all straightened out.
00:12:41.22\00:12:45.11
But you're saying
that that is a good idea,
00:12:45.14\00:12:47.10
because there are new security
enhancements in these updates.
00:12:47.13\00:12:51.68
What I typically
do is I just make sure
00:12:51.71\00:12:53.32
it's the security enhancements,
00:12:53.35\00:12:54.73
I don't always go down like
00:12:54.76\00:12:56.02
they got a new player
of windows media player
00:12:56.05\00:12:58.27
or something that, you
know, it's an optional download,
00:12:58.30\00:13:00.50
I don't always do that, I only
do the security enhancements.
00:13:00.53\00:13:03.63
You still can run into a problem
but if you go to my website,
00:13:03.66\00:13:06.80
I'll step you through
on how to do what's called
00:13:06.83\00:13:08.33
a restore point in Windows.
00:13:08.36\00:13:10.22
And let's talk
about your website
00:13:10.25\00:13:11.77
because this is a free resource
00:13:11.80\00:13:13.38
that you just a
part of your ministry.
00:13:13.41\00:13:16.35
And that website address,
00:13:16.38\00:13:17.85
if you want to write
this down is es-es.net.
00:13:17.88\00:13:24.80
Let me repeat that es-es.net.
00:13:24.83\00:13:29.00
Not trying to sell you anything
00:13:29.03\00:13:30.98
but there is a narrative,
there is a narrative PowerPoint
00:13:31.01\00:13:34.55
on there that will walk you
through some of these things
00:13:34.58\00:13:36.85
as well as some good links.
00:13:36.88\00:13:38.34
It's very
educational and it's free.
00:13:38.37\00:13:41.52
So that's quite a service
and we thank you for that.
00:13:41.55\00:13:45.84
One of the things that
when people are looking to save,
00:13:45.87\00:13:48.03
sometimes we get concerned
because of its terminology,
00:13:48.06\00:13:50.51
well, I don't
know that, you know,
00:13:50.54\00:13:51.91
people say I have Microsoft.
00:13:51.94\00:13:53.73
You know, I don't know if I got
Windows or you know what I have.
00:13:53.76\00:13:56.59
But if you go
through I would also,
00:13:56.62\00:13:58.39
you know, talk to
young person at the church
00:13:58.42\00:14:00.78
who you go to church
with you or some young person
00:14:00.81\00:14:02.66
that you feel like is a
trustworthy young person,
00:14:02.69\00:14:04.79
they can help
step you through this,
00:14:04.82\00:14:06.25
they can your
antivirus up to date.
00:14:06.28\00:14:08.45
And you need to
have antivirus software.
00:14:08.48\00:14:11.74
You need to make sure that
your firewall is turned on.
00:14:11.77\00:14:14.08
Windows comes
built with a firewall.
00:14:14.11\00:14:16.21
You know, Macintosh
comes built with a firewall.
00:14:16.24\00:14:19.14
They need to be turned on.
They are not always turned on.
00:14:19.17\00:14:22.04
I'm not even sure, I didn't know
that it came with the firewall.
00:14:22.07\00:14:24.51
So I'm sure mine is turned on.
00:14:24.54\00:14:26.17
But most of time in the
newer version of Windows,
00:14:26.20\00:14:27.75
they will be a nice
little red icon down
00:14:27.78\00:14:29.52
at the bottom right hand corner
00:14:29.55\00:14:30.61
if your firewall is
turned off alerting you,
00:14:30.64\00:14:33.02
if you have a
newer version of Windows.
00:14:33.05\00:14:34.92
You know saying
there's a problem,
00:14:34.95\00:14:35.98
your firewall is off,
do you want to turn it on?
00:14:36.01\00:14:37.88
Okay. And then you can say yes.
00:14:37.91\00:14:39.42
What about
encrypting files that sounds
00:14:39.45\00:14:42.06
so sophisticated and difficult?
00:14:42.09\00:14:45.34
It sounds it
but it's really not.
00:14:45.37\00:14:47.23
There are several
different software packages out
00:14:47.26\00:14:49.03
in the market that
make encrypting very easy.
00:14:49.06\00:14:51.20
I encrypt all of our personal
banking, our tax records.
00:14:51.23\00:14:54.37
They go to a certain
section on my hard drive
00:14:54.40\00:14:56.17
that I encrypt and I have to
put a password to get into it.
00:14:56.20\00:14:59.42
And on my
website there are several
00:14:59.45\00:15:00.66
different software packages
00:15:00.69\00:15:01.81
that I list out and I go
for the ones that are free
00:15:01.84\00:15:04.32
because I like the price.
00:15:04.35\00:15:05.88
So explain that because
some people may not know
00:15:05.91\00:15:07.96
what we're talking
about encrypting a file.
00:15:07.99\00:15:10.31
When you encrypt a
file basically it takes all
00:15:10.34\00:15:12.39
the data and it scrambles
it into a mathematical formula.
00:15:12.42\00:15:15.93
And what it does it
makes for somebody else,
00:15:15.96\00:15:17.73
it's very hard for someone else
00:15:17.76\00:15:18.82
to figure out
what that data was.
00:15:18.85\00:15:20.68
So if you're at the airport
00:15:20.71\00:15:21.99
and your laptop is
stolen as Cherri Peters
00:15:22.02\00:15:24.57
was recently traveling here
00:15:24.60\00:15:26.46
and she was running
late for the airplane.
00:15:26.49\00:15:29.66
And so, and she went
through security somehow
00:15:29.69\00:15:31.94
she got delayed for a moment.
00:15:31.97\00:15:33.64
And she picked up everything
00:15:33.67\00:15:34.84
and went dashing off to the gate
00:15:34.87\00:15:38.67
and realized, I
got a light load.
00:15:38.70\00:15:40.80
She left her computer back
on the belt and it was stolen.
00:15:40.83\00:15:45.80
So if your computer is stolen
and your files are encrypted
00:15:45.83\00:15:49.51
there's important
files they can't read it.
00:15:49.54\00:15:52.30
And I--we do that
for all of our financial
00:15:52.33\00:15:55.24
or personal data on laptops.
00:15:55.27\00:15:56.60
And actually the
North American division
00:15:56.63\00:15:58.48
and the general conference
is highly recommending
00:15:58.51\00:16:00.33
for all the ministries.
00:16:00.36\00:16:01.39
If you have any personal
information about people
00:16:01.42\00:16:04.02
that your laptop should,
00:16:04.05\00:16:05.23
your entire hard
drive should be encrypted.
00:16:05.26\00:16:07.58
And that--did we just
recently have something
00:16:07.61\00:16:10.03
with veterans that
laptops were stolen
00:16:10.06\00:16:12.63
and all these identities
were stolen because or at risk,
00:16:12.66\00:16:16.81
because this
information had gotten out.
00:16:16.84\00:16:20.00
And that's what happens with me,
00:16:20.03\00:16:21.27
because I used to be a employee
of the State of Georgia.
00:16:21.30\00:16:23.85
When I worked for
the State of Georgia
00:16:23.88\00:16:24.91
that was non
encrypted hard drive.
00:16:24.94\00:16:26.28
They did put it in the
letter that what besides
00:16:26.31\00:16:28.39
letting us know this
would happen they said
00:16:28.42\00:16:29.81
they are now
making a policy to encrypt
00:16:29.84\00:16:32.21
all the removable
storage, which I was,
00:16:32.24\00:16:35.11
should have
happened before but you know,
00:16:35.14\00:16:36.91
that's
something that is becoming
00:16:36.94\00:16:38.23
more and more part of life.
00:16:38.26\00:16:39.31
And it's not as
hard basically just makes
00:16:39.34\00:16:41.35
one more password
you have to remember.
00:16:41.38\00:16:44.44
You have the state method,
00:16:44.47\00:16:45.80
you say being
online is like being in--
00:16:45.83\00:16:48.93
The worst crime
neighborhood in the world
00:16:48.96\00:16:51.20
and you need to realize that.
00:16:51.23\00:16:53.36
Because you have all of
the criminals out there,
00:16:53.39\00:16:57.07
you also have some
really great people.
00:16:57.10\00:16:58.39
But you seem to realize
it's a high crime neighborhood.
00:16:58.42\00:17:00.98
And so we just have to
learn how to protect ourselves
00:17:01.01\00:17:03.51
when we are
online. That is correct.
00:17:03.54\00:17:06.35
Part of this is being
smart when you are online,
00:17:06.38\00:17:09.00
but also just using a
little bit of common sense
00:17:09.03\00:17:11.49
when you go out there.
00:17:11.52\00:17:12.55
If it's the site
you've never seen,
00:17:12.58\00:17:13.74
if it offers
too good to be true.
00:17:13.77\00:17:16.28
It's too good to be true.
00:17:16.31\00:17:17.68
If you get
contacted by some brother
00:17:17.71\00:17:19.84
in another foreign country
it says, brother in Christ,
00:17:19.87\00:17:22.41
I've got this money that we need
to get to the United States.
00:17:22.44\00:17:25.22
I can't tell you how
often those come to me.
00:17:25.25\00:17:27.97
They are not a
brother and they are,
00:17:28.00\00:17:29.75
you know, not really in Christ.
00:17:29.78\00:17:31.59
All they want to
do is get your money.
00:17:31.62\00:17:33.46
One of the new type of
things that's really happening
00:17:33.49\00:17:35.46
more to the retiring generation
is called phone fishing.
00:17:35.49\00:17:39.07
Where they will
call you up on the phone
00:17:39.10\00:17:40.72
and they will say
I'm from your bank,
00:17:40.75\00:17:42.68
I need to verify
such and such information.
00:17:42.71\00:17:45.82
And they will think
okay, it's from my bank.
00:17:45.85\00:17:48.12
Hang up, call your bank back,
00:17:48.15\00:17:50.28
don't call back any
number they give you
00:17:50.31\00:17:51.84
because they also have
someone else on another line.
00:17:51.87\00:17:53.80
Say yes, I'm from your bank
00:17:53.83\00:17:55.12
and they want your information,
they want your money.
00:17:55.15\00:17:58.16
So it's more
important to always never
00:17:58.19\00:17:59.95
and any email you
get that comes supposedly
00:17:59.98\00:18:02.25
from your bank or
from Yahoo or Amazon,
00:18:02.28\00:18:05.06
delete it and then go,
go straight to their website
00:18:05.09\00:18:08.10
and then find a number
where you can call someone.
00:18:08.13\00:18:10.21
You know, I was
getting some emails that said
00:18:10.24\00:18:12.52
it was from such and
such bank and trying to verify
00:18:12.55\00:18:15.28
my account
information and I thought
00:18:15.31\00:18:16.88
I don't have an
account with that bank.
00:18:16.91\00:18:19.71
So I called the bank and they
aren't even locally around here
00:18:19.74\00:18:23.83
and I called them
and I said you know,
00:18:23.86\00:18:25.40
I'm on your email list and they
are saying that and they said,
00:18:25.43\00:18:27.57
oh, this is a scam, you
know, fraud alert, fraud alert,
00:18:27.60\00:18:30.59
we want you to talk to
such and such department.
00:18:30.62\00:18:33.37
Well, it keeps on
happening and now it's not just
00:18:33.40\00:18:36.64
with that one bank that
I have four, five emails
00:18:36.67\00:18:39.56
from "supposed to be
from different banks."
00:18:39.59\00:18:42.91
People and they look so official
00:18:42.94\00:18:44.82
and they got
official logo and they wanting
00:18:44.85\00:18:47.30
to verify my
account information.
00:18:47.33\00:18:50.49
Now it just so
happens I didn't have one
00:18:50.52\00:18:53.15
but had my bank,
the email come under
00:18:53.18\00:18:56.76
the name of my banks
saying that, you know,
00:18:56.79\00:19:00.57
if you were just
like you do so many emails
00:19:00.60\00:19:04.08
you just dash off response.
00:19:04.11\00:19:06.50
I could have
accidentally leaked out
00:19:06.53\00:19:09.97
some information to some crooks.
00:19:10.00\00:19:11.78
And they're counting on that.
00:19:11.81\00:19:12.84
They're counting on do
you want to be helpful.
00:19:12.87\00:19:15.23
And as one of the things
it's called social engineering.
00:19:15.26\00:19:17.92
Where people they
go on normal customs
00:19:17.95\00:19:20.43
where people are sitting here
it's socially polite to hold
00:19:20.46\00:19:22.77
the door open for
someone. You're right.
00:19:22.80\00:19:24.39
But if it's a locked down
facility you better not be
00:19:24.42\00:19:26.78
holding that door
even if they have a batch.
00:19:26.81\00:19:28.86
You know, even if they say
00:19:28.89\00:19:29.92
they are from the telephone
company, you have no proof,
00:19:29.95\00:19:32.23
you need to call and verify.
00:19:32.26\00:19:35.05
Recently we had AT&T
came into our building
00:19:35.08\00:19:37.49
and I--and the
secretary comes in
00:19:37.52\00:19:39.05
and said AT&T
is in our building.
00:19:39.08\00:19:40.19
I said, we have
no scheduled repairs.
00:19:40.22\00:19:42.35
I immediately called off them
and I said, what's going on?
00:19:42.38\00:19:45.66
And they start
tracking down and said,
00:19:45.69\00:19:46.84
oh, we're switching you over
to fiber optics from copper.
00:19:46.87\00:19:50.59
And I said we were
not informed of this
00:19:50.62\00:19:52.72
that person I
want to know make sure
00:19:52.75\00:19:54.22
this is the right
person and all they are like,
00:19:54.25\00:19:55.67
you're the first customer
out of t the 50 different places
00:19:55.70\00:19:58.97
they been to that day that would
actually ask, questioned it.
00:19:59.00\00:20:02.62
And these were big businesses
00:20:02.65\00:20:03.78
that they'd been to that
they were telling me about.
00:20:03.81\00:20:06.07
So it could've been some crook.
00:20:06.10\00:20:07.37
It could have been any
crook they walk-in just
00:20:07.40\00:20:08.52
because he had AT&T batch,
00:20:08.55\00:20:09.88
they were
letting him go right into
00:20:09.91\00:20:11.29
where all those data is stored.
00:20:11.32\00:20:13.90
Now you know we often
hear about personal computers
00:20:13.93\00:20:16.61
being compromised,
what's the number one avenue
00:20:16.64\00:20:20.26
to compromise
your personal computer?
00:20:20.29\00:20:22.38
The number one way, typically,
00:20:22.41\00:20:23.72
your computer gets compromises
usually by something you do.
00:20:23.75\00:20:27.50
My wife loves to do
different fonts she's a teacher,
00:20:27.53\00:20:31.14
she likes to have
different pictures,
00:20:31.17\00:20:32.54
she's always going out saying,
00:20:32.57\00:20:33.60
oh, if I can
make this look pretty
00:20:33.63\00:20:35.11
and she's in a
quilting guild, she likes to,
00:20:35.14\00:20:36.73
you know, she makes
the brochure for them.
00:20:36.76\00:20:39.34
Well, where she's going out
00:20:39.37\00:20:40.40
and getting
these different funds,
00:20:40.43\00:20:41.46
often times you don't about the
sites you're getting stuff from.
00:20:41.49\00:20:44.51
You have no guarantee that
00:20:44.54\00:20:45.57
they didn't pack a
virus in with the font,
00:20:45.60\00:20:48.08
or they didn't pack a virus
00:20:48.11\00:20:49.14
in with that
pretty picture or design.
00:20:49.17\00:20:50.39
So you're saying
it's just a free download,
00:20:50.42\00:20:52.43
is that what you're
saying? Yeah, right.
00:20:52.46\00:20:53.70
So this free
downloads are risky.
00:20:53.73\00:20:55.96
They are risky.
00:20:55.99\00:20:57.26
You have to realize that,
you keep your antivirus running,
00:20:57.29\00:20:59.85
make sure your
firewall's in place.
00:20:59.88\00:21:02.43
You know, I use special software
to lock down the hard drive,
00:21:02.46\00:21:05.20
so if something like
that happens on your computer,
00:21:05.23\00:21:07.04
I go back to the previous
state without the virus there.
00:21:07.07\00:21:10.82
So and we've had
a multiple times.
00:21:10.85\00:21:13.44
Really? Yes.
00:21:13.47\00:21:15.12
Now you know that's two
things that I've learned
00:21:15.15\00:21:17.53
from you because
that an encrypting.
00:21:17.56\00:21:19.04
I don't encrypt my
files, but that's you're saying
00:21:19.07\00:21:21.70
that's easy, it sound difficult
00:21:21.73\00:21:23.44
but it's just a
piece of software
00:21:23.47\00:21:25.04
and you just have
to have the password,
00:21:25.07\00:21:27.62
and when the password's put in
00:21:27.65\00:21:28.88
and then it brings it
back into a readable format.
00:21:28.91\00:21:31.85
Right. That's interesting.
00:21:31.88\00:21:32.91
So where there is
there some of the safety,
00:21:32.94\00:21:35.46
let's talk about some
of the safety consideration
00:21:35.49\00:21:37.80
for digital media
and just too in general.
00:21:37.83\00:21:44.62
When you're
dealing with digital media,
00:21:44.65\00:21:46.87
you want to make sure
that you, if you're like say
00:21:46.90\00:21:50.01
for example a
ministry, you want to make sure
00:21:50.04\00:21:52.65
that you've looked at all
the considerations exactly
00:21:52.68\00:21:56.60
how we kept the data safe.
00:21:56.63\00:21:58.65
What are we doing with
it, how are we storing it,
00:21:58.68\00:22:00.56
how are we transmitting it,
00:22:00.59\00:22:01.62
are we letting people
know if something happens.
00:22:01.65\00:22:04.47
And also making
sure that there could be
00:22:04.50\00:22:05.94
no other
affiliation with your name,
00:22:05.97\00:22:08.56
it's very important
to protect the name.
00:22:08.59\00:22:10.56
Then as an individual,
00:22:10.59\00:22:11.75
you want to take those
same type of precautions to you,
00:22:11.78\00:22:14.78
with your identity, you're
going to be very careful with,
00:22:14.81\00:22:17.66
who you give your information
to, your private information,
00:22:17.69\00:22:20.18
your health data, your,
you know, physical address,
00:22:20.21\00:22:23.34
your telephone numbers,
your cell phone numbers.
00:22:23.37\00:22:25.78
Yeah,-- I just realized
00:22:25.81\00:22:28.37
I'm having a little procedure
done in a couple of days
00:22:28.40\00:22:31.95
and I received a phone call on
the way here to the studio today
00:22:31.98\00:22:35.72
that I wasn't expecting and
they said this is the hospital
00:22:35.75\00:22:38.80
we want to pre
register you and went through
00:22:38.83\00:22:41.88
and I gave them all
my personal information
00:22:41.91\00:22:44.08
including my
social security card
00:22:44.11\00:22:45.83
and then they
asked for my husband
00:22:45.86\00:22:47.40
and his social security
card and it was until I hung up
00:22:47.43\00:22:50.89
because I was just in
the mad dash over here
00:22:50.92\00:22:52.70
from to the
studio and I realized,
00:22:52.73\00:22:56.30
I hope this was
really the hospital
00:22:56.33\00:22:58.42
because they just
called me on my cell phone
00:22:58.45\00:23:00.48
and I started answering
all this personal information.
00:23:00.51\00:23:05.02
Right and that's a very
common thing that's happening.
00:23:05.05\00:23:08.23
And there's a gentleman
who's actually being going
00:23:08.26\00:23:09.82
between America and
Canada, we finally --
00:23:09.85\00:23:12.00
and FBI finally
caught him in Canada
00:23:12.03\00:23:14.07
but he was doing
this exact thing,
00:23:14.10\00:23:16.00
doing phone
fishing, he would pull
00:23:16.03\00:23:17.86
records out of
hospitals this type of stuff
00:23:17.89\00:23:20.24
and they would pay
different people on their salary
00:23:20.27\00:23:22.21
to give them this
type of information
00:23:22.24\00:23:23.42
and then they would
start calling people
00:23:23.45\00:23:24.95
and asking that
type of information.
00:23:24.98\00:23:26.71
I know several people including
people who work for the FBI,
00:23:26.74\00:23:29.27
when they go into a hospital,
00:23:29.30\00:23:30.82
they refuse to give
their social security number.
00:23:30.85\00:23:33.60
Really? Refuse.
00:23:33.63\00:23:35.69
And they have to go
ahead and, I mean...
00:23:35.72\00:23:37.50
They start to treat him, I'll
give you my driver's license,
00:23:37.53\00:23:40.12
I'll give you that
but I'll not give you
00:23:40.15\00:23:41.72
my social security number.
00:23:41.75\00:23:42.81
These are people who work
00:23:42.84\00:23:43.87
for the
government in cyber security.
00:23:43.90\00:23:46.36
So they've gone to that approach
00:23:46.39\00:23:48.31
and they said
makes the hospital grumpy
00:23:48.34\00:23:49.80
but they eventually get over.
00:23:49.83\00:23:53.44
Now you tell me.
00:23:53.47\00:23:55.37
If only we'd had
this conversation
00:23:55.40\00:23:57.44
just a few hour earlier.
00:23:57.47\00:23:59.57
But now it's interesting that
you're talking about ministries
00:23:59.60\00:24:01.60
because I know that we do a lot
here at 3ABN before firewalls
00:24:01.63\00:24:05.93
and protecting
all this information,
00:24:05.96\00:24:07.70
make sure they're secured.
00:24:07.73\00:24:09.23
But are there
templates and recommendations
00:24:09.26\00:24:12.10
from ministries about
how they should handle
00:24:12.13\00:24:15.60
and protect the personal
information that they receive?
00:24:15.63\00:24:18.66
They're and I actually
have them on my website.
00:24:18.69\00:24:21.85
What I've done is they are legal
office of the general conference
00:24:21.88\00:24:25.00
has developed a bunch of
templates for the ministries.
00:24:25.03\00:24:27.74
As far as a privacy
policy, as far as a release
00:24:27.77\00:24:31.40
form for
pictures or media release,
00:24:31.43\00:24:33.97
they've made all these policies
00:24:34.00\00:24:35.45
and I've just put
them on my website
00:24:35.48\00:24:37.19
because I've
been working with them
00:24:37.22\00:24:38.67
as we've been
making these different
00:24:38.70\00:24:39.97
media release forms
and stuff like that.
00:24:40.00\00:24:41.47
So they're listed on my website,
00:24:41.50\00:24:42.71
you can download them for free,
00:24:42.74\00:24:44.24
you can go and change them,
00:24:44.27\00:24:45.71
modify them for
your particular ministry.
00:24:45.74\00:24:48.33
Now we're talking today
about protecting your identity
00:24:48.36\00:24:52.16
from identity
theft and particularly,
00:24:52.19\00:24:54.34
your young children that because
that's becoming prevalent.
00:24:54.37\00:24:57.88
What can we do if your identity
00:24:57.91\00:25:01.90
in the security
has been breached
00:25:01.93\00:25:03.21
and your
identity has been stolen,
00:25:03.24\00:25:04.92
what does somebody do?
00:25:04.95\00:25:06.49
First thing you do is
you want to put a fraud alert
00:25:06.52\00:25:08.15
on your credit history.
00:25:08.18\00:25:10.10
Then you want to start calling
all of the different people
00:25:10.13\00:25:11.99
that you have
lines of credit with
00:25:12.02\00:25:13.35
and let them
know what's going on.
00:25:13.38\00:25:15.30
You know, maker
sure you're using numbers
00:25:15.33\00:25:16.77
that you know are
valid and are good.
00:25:16.80\00:25:18.83
After when you've
done that then you need
00:25:18.86\00:25:20.21
to take an
assessment of where are you,
00:25:20.24\00:25:22.74
what's being impact
often times it will,
00:25:22.77\00:25:24.95
you need to take a day off
work to just sort of through
00:25:24.98\00:25:26.75
all the different
complications we have
00:25:26.78\00:25:28.76
because you know some
person will have a mortgage,
00:25:28.79\00:25:30.66
they will have you know,
maybe a car loan or, you know,
00:25:30.69\00:25:33.29
college loan depending upon
if they just got out of college.
00:25:33.32\00:25:35.16
You know, there's
always different things
00:25:35.19\00:25:36.24
that have to be
taken in consideration,
00:25:36.27\00:25:38.16
so you go through each
one of those one by one
00:25:38.19\00:25:40.63
and be very
careful and then really pay
00:25:40.66\00:25:42.79
close attention to
your credit history.
00:25:42.82\00:25:45.77
After you've done that then
the best thing you can do is try
00:25:45.80\00:25:47.57
and see how is it compromised,
00:25:47.60\00:25:49.67
try to determine exactly
what, where it came from.
00:25:49.70\00:25:52.40
Once you know where it came
00:25:52.43\00:25:53.46
from then you can hopefully
use your personal computer
00:25:53.49\00:25:55.56
if you're pretty sure it was
there then deal with it there,
00:25:55.59\00:25:58.33
but I always try
to track it back down
00:25:58.36\00:25:59.67
to its root source that
way it won't happen again.
00:25:59.70\00:26:02.22
Okay, you know we
had a gentleman here
00:26:02.25\00:26:04.57
at the ministry who
had his laptop stolen.
00:26:04.60\00:26:08.34
He was on the
road crew and traveling
00:26:08.37\00:26:10.30
and he had his laptop
stolen from the hotel room
00:26:10.33\00:26:13.43
and literally it
took him over a year
00:26:13.46\00:26:16.47
to get everything
restored and back in place
00:26:16.50\00:26:19.22
when his identity was stolen.
00:26:19.25\00:26:21.29
And I'm sitting here thinking
00:26:21.32\00:26:23.08
that may be one
good piece of advise
00:26:23.11\00:26:27.06
is don't get in
a rush about things
00:26:27.09\00:26:28.84
because today I
realize that I had,
00:26:28.87\00:26:33.76
I did two stupid things in
giving out all this information
00:26:33.79\00:26:36.20
when I wasn't sure
it was the hospital,
00:26:36.23\00:26:38.21
but I also got online paid a
credit card bill without this,
00:26:38.24\00:26:42.47
usually I always look to make
sure all the charges are mine
00:26:42.50\00:26:46.03
but this time I just paid
it because I was in a hurry
00:26:46.06\00:26:49.43
and that's one way we need
to check all of our charges too
00:26:49.46\00:26:52.58
to make sure someone's not
out there using our charge.
00:26:52.61\00:26:55.43
Very much so that's actually
00:26:55.46\00:26:56.65
how I found that my
identity had been stolen
00:26:56.68\00:26:58.33
because mine the time
when mine happened was,
00:26:58.36\00:27:00.72
I gave someone a debit card.
00:27:00.75\00:27:02.14
Yeah, so that's something.
00:27:02.17\00:27:04.21
Thank you so much and
let me give your information
00:27:04.24\00:27:06.54
at one more time if you
want to go to this website,
00:27:06.57\00:27:08.59
it's es-es.net and
there is free information
00:27:08.62\00:27:14.87
on how to
protect yourself in this.
00:27:14.90\00:27:16.86
Ernest you had just
been a wealth of information
00:27:16.89\00:27:19.85
and we've learned so much,
00:27:19.88\00:27:20.91
I'm so glad that you
made this your ministry.
00:27:20.94\00:27:22.92
Thank you. And
thank you for coming.
00:27:22.95\00:27:25.38
For those of
you who are at home,
00:27:25.41\00:27:26.64
remember and share this with
all the parents that you know.
00:27:26.67\00:27:30.49
It's not just as
adults we're working
00:27:30.52\00:27:32.66
and having banking information
that get our identity stolen,
00:27:32.69\00:27:35.77
but the identity thefts are
going after children's identity
00:27:35.80\00:27:39.62
and kids by the time
they are 18 are finding
00:27:39.65\00:27:42.05
they've got
horrible credit reports
00:27:42.08\00:27:43.88
because someone has
been using their identity.
00:27:43.91\00:27:46.32
Let's protect our
identity and be thankful
00:27:46.35\00:27:49.54
that we have a new
identity in Christ Jesus.
00:27:49.57\00:27:53.11
Thank you for joining us.
00:27:53.14\00:27:54.40