On Take It To The Bank,
00:00:01.36\00:00:02.70
you'll find ways
to get out of debt...
00:00:02.73\00:00:05.70
solve your credit card problems,
00:00:09.64\00:00:14.68
how to make and
stick with the budget,
00:00:14.71\00:00:19.71
simple ways to save...
00:00:19.75\00:00:21.58
buying or selling a home
00:00:24.79\00:00:26.96
and many more financial
matters on Take It To The Bank.
00:00:26.99\00:00:31.33
Hi. My name is Cordell Thomas.
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And welcome to
Take It To The Bank.
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And we are gonna
talk about something,
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I think it's very important.
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And I think that
you should be aware of.
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Did you know
that you're a target
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that your
information is at risk?
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Did you know
every time you go online
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there are things that happen
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that, take your
data, take your information
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and it's used as a tool
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that is retailed off to
many different organizations
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that want to buy
information about you,
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your purchase
patterns or what you do,
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where you go on the net,
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what or where you like
to purchase your things?
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Did you know
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that information you
provide in a warranty card
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is not necessary
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because most
items that you purchase
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already come with
the warranty included.
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People are gonna ask you,
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retailers and our
corporations are gonna ask you
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for your personal information
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so that they can gain access
to your information about you.
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And many people
don't think of it that way
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and as we talk today
about consumer privacy,
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I hope this provides
some type of interest to you
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because did you know
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that your bank records
are supposed to be private?
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But under federal law
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your bank can sell
your account information
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including your bank
balances unless you opt out.
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So when we're talking
about consumer privacy today,
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it's all about the opt out.
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And I hope that's what
you take away from this.
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We're gonna
have a top ten things
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you can opt out from
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that can help prevent
people from accessing your data.
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But things have changed
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quite, quite a bit
over the past few years.
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I can remember the time
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that I used to drive a car
and we didn't have cell phones.
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Can you remember that day,
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we could drive and
we'd use the call boxes
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or those, those
payphones along the way
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if you needed to contact anyone?
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And I remember
the first cell phone
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that we used to test out
at the automotive organization
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that I worked at.
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And they were the
size of big purses
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you know, big bags on the side
you'd hang over your shoulder
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and you'd be like the
size of big telephone.
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It's quite interesting
because that was a thing.
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That was everything but
the cell phone at that time
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couldn't do anything but call.
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And it was really expensive.
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And it was at the time
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that they were
setting up the cell towers
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all over the United States.
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But it was a next big
thing in telecommunication
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so that you could go
anywhere that you wanted to.
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Well, what has happened
since that point in time
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and I don't date
myself but that was back in,
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I believe it was 1989, 1990.
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And the overall process
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that they used
since that point in time
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was to give you more
and more bells and whistles
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that you could acquire
as you moved up the chain
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of buying the next
generation cell phone.
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Now cell phones have changed
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because now they consider
them, we call them smartphones.
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What's the smartphone?
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Well, smartphone has a lot
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of applications
available to them
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that weren't necessarily
available with the cell phone.
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You know it was
quite interesting
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as you run into
people on a day to day basis
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you see those
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that are still comfortable
with their cell phones
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because they believe inherently
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that the cell phone is
really only to make calls.
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And when you think of
it from that standpoint,
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then you think differently
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about a-- what a
smartphone actually is.
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Because a smartphone
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is probably just like a computer
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that's really what it is.
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A computer in miniature
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and so all of these
different forms of technology
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has taken the world by storm
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and you and I have
really bought in into it
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because not only do many
of us have the smartphone,
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we also have the I-- the tablet
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and then we go
to the tablet mini
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and we-- look at
different forms and sizes
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of that same type of technology
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and we use it in
so many dramatic ways.
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But what has changed,
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what is the
thing that has changed
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all of the scenarios
that we've talked about?
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Because when you
look at technology,
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we think technology
is there to benefit us.
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I'm gonna give you an insight.
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Companies look to
give you something
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that you
believe will benefit you
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but in the big scheme of things,
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the companies are looking
for the benefit for themselves.
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So the benefit is not only
revenue based, what's revenue?
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Well, it's income based.
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You pay for one
of those smartphones,
00:05:00.80\00:05:02.80
it adds revenue
to their bottom line
00:05:02.83\00:05:05.50
or income to their bottom line.
00:05:05.53\00:05:08.04
And then you take--
talk about the smartphones
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because you not
buy the smartphone,
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but you also have
to pay a monthly fee
00:05:13.38\00:05:15.51
to use that smartphone.
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And the costs have
comedown dramatically.
00:05:17.51\00:05:20.85
And so makeup difference
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in their income
on a yearly basis,
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they've added on
different features
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that you're going to pay for.
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So texting and so
sending personal information,
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sending tweets and all
of those type of things
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are different
forms of communicating
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that we have gotten involved in.
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But there is
also a negative side
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to this type of technology.
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So you probably,
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as an individual
and as a consumer,
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you have several
different pieces of information.
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You have information
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that gives access
to an email address,
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so you have an email address.
00:06:01.16\00:06:02.92
You also have a
social network account.
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It could be a variety of them,
a professional social network
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or just a
connecting social network
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to your friends and your family.
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The big thing that I want
to make you aware of though is
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in reference to all
of these connections,
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there are things
that you're allowing
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these organizations to do
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with your
information and with your data.
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So it's not just about
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going in and buying
some piece of technology
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and you walk to
the check outline,
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you buy, you get home
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you take it out
and you want to use it
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but outfalls this warranty card
and they ask you to fill it out
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because if you don't,
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we won't have information enough
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to track your equipment
and give you the warranty
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in case that item breaks.
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Now look, I'm not
here to tell you what to do
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but I just want to
give you some insight
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as to what's going on
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in reference to
your specific privacy
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because there is
nothing private anymore,
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this facial recognition thing
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is all about
recognizing how you look,
00:07:04.65\00:07:07.86
who you are, so that
in any type of context
00:07:07.89\00:07:11.26
you can be
located and you are found.
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Your location
services, you can take a picture
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and you can, it can be known
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where that picture was
taken on a global basis
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and it's noted
in your cell phone.
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When you go to your computer
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and try to sink your
smartphone up to the computer
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that data that you have
stored in your smartphone
00:07:33.88\00:07:39.72
is now uploaded and
saved in a different location.
00:07:39.75\00:07:42.89
They have those
details about you.
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For example,
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a statistic that was just
made, I was made aware of is
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ten percent of
all digital pictures
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that were ever taken,
00:07:55.64\00:07:58.51
were taken last year.
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Now that gives you pause.
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It should
because we've had cameras
00:08:02.61\00:08:05.08
around for close to 200 years.
00:08:05.11\00:08:08.18
But consider the fact
00:08:08.22\00:08:09.55
that ten percent of all
of those pictures ever taken,
00:08:09.58\00:08:12.42
were taken last year alone.
00:08:12.45\00:08:14.42
And then you begin the process
of asking that question is
00:08:14.46\00:08:16.96
how do they know that?
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They have to be
keeping tract someway.
00:08:18.36\00:08:20.16
But some of us
don't think about it
00:08:20.20\00:08:21.73
because we have the service
00:08:21.76\00:08:23.10
and then we have the ability
00:08:23.13\00:08:24.70
to do what we want to
do with that technology
00:08:24.73\00:08:27.60
not thinking that
there are other elements
00:08:27.64\00:08:31.17
that support the
need for the technology.
00:08:31.21\00:08:33.48
So it tracks how you look,
00:08:33.51\00:08:35.61
where you go on your computer,
00:08:35.64\00:08:39.28
it tracks where you
go online, what you like,
00:08:39.31\00:08:43.22
your purchase habits,
00:08:43.25\00:08:45.05
and then of course, you
have the capacity to be,
00:08:45.09\00:08:50.03
to be advertised to
directly based on your needs
00:08:50.06\00:08:52.79
and what you
specifically like to purchase.
00:08:52.83\00:08:55.33
So I was kind of surprise
when I go to specific website
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and do certain things
and I'm searching kind of
00:08:58.87\00:09:01.84
different areas
that I'd like to research
00:09:01.87\00:09:04.04
on behalf of even
this specific show.
00:09:04.07\00:09:07.84
And when I go to that website
00:09:07.88\00:09:09.21
now all of a sudden
I get books on finance.
00:09:09.24\00:09:13.65
I get information
00:09:13.68\00:09:15.32
on how you can
handle your money better.
00:09:15.35\00:09:17.82
I get information on
some of the top things
00:09:17.85\00:09:21.69
that you can do
to better yourself
00:09:21.72\00:09:24.23
from a financial standpoint.
00:09:24.26\00:09:25.69
So this comes into me
00:09:25.73\00:09:27.06
because they
think I am interested
00:09:27.10\00:09:29.06
in those
elements called finance.
00:09:29.10\00:09:31.73
And so now I know
00:09:31.77\00:09:33.10
that my
information is not private.
00:09:33.13\00:09:35.20
And I think that you all
should be well aware of it
00:09:35.24\00:09:37.64
and concerned
about the privacy issues
00:09:37.67\00:09:40.94
that are related to
technology as a whole.
00:09:40.98\00:09:45.55
So then we look at
00:09:49.08\00:09:50.59
many different
aspects of this technology
00:09:50.62\00:09:53.02
as-- and I mentioned
00:09:53.05\00:09:54.42
the issue of your
cell phone or your email.
00:09:54.46\00:09:59.06
In your email alone,
00:09:59.09\00:10:00.83
now you have to
worry about phishing,
00:10:00.86\00:10:03.57
what is phishing?
00:10:03.60\00:10:04.93
Well, if you go
fishing, physically go fishing,
00:10:04.97\00:10:07.27
it's a matter of
throwing out a line
00:10:07.30\00:10:08.64
and hoping to
lure someone to it.
00:10:08.67\00:10:11.14
That's as same
as what fishing is.
00:10:11.17\00:10:12.67
It spelled a little differently,
00:10:12.71\00:10:14.08
P-H-I-S-H-I-N-G.
00:10:14.11\00:10:17.51
And then you begin to understand
00:10:17.55\00:10:19.01
that they're trying to
lure you to click on something.
00:10:19.05\00:10:22.72
And now we live in
whole different world
00:10:22.75\00:10:25.12
because you can
click on something
00:10:25.15\00:10:26.92
and automatically download
something to your computer,
00:10:26.96\00:10:29.82
and in that computer,
00:10:29.86\00:10:31.19
you can have some
kind of virus evolved.
00:10:31.23\00:10:34.50
So if you think about a virus,
00:10:34.53\00:10:36.20
I would give you the equation
that says, a virus is a virus.
00:10:36.23\00:10:41.30
I consider virus
something I don't want
00:10:41.34\00:10:43.91
because it can make you sick,
00:10:43.94\00:10:45.71
the same as the
virus in the computer.
00:10:45.74\00:10:48.24
It makes it sick, it ties it up,
00:10:48.28\00:10:50.45
it also plans
certain things there
00:10:50.48\00:10:52.85
that will expose specific
personal information of yours.
00:10:52.88\00:10:56.85
It's surprising
what people will put
00:10:56.89\00:10:59.42
on their social network pages.
00:10:59.45\00:11:01.52
It reveals a lot of
information about it
00:11:01.56\00:11:04.06
and that you don't realize
00:11:04.09\00:11:06.36
that many people
are watching those sites
00:11:06.39\00:11:08.90
because they can
find your front door
00:11:08.93\00:11:10.67
if they want to.
00:11:10.70\00:11:12.13
They can use
certain apps and technology
00:11:12.17\00:11:14.74
to come right
into where you live
00:11:14.77\00:11:17.17
and many people are willing
to put in personal information
00:11:17.21\00:11:22.24
on their sites that
tell about their birthday.
00:11:22.28\00:11:26.31
What are certain
criminals looking for?
00:11:26.35\00:11:28.78
Your birthday, so they can
put together profile about you.
00:11:28.82\00:11:31.65
And then of course
00:11:31.69\00:11:33.02
on, at the onset of some
of these social networks,
00:11:33.05\00:11:35.29
you have people
updating you on an hourly basis.
00:11:35.32\00:11:38.39
Tweets that go out
every hour or every 15 minutes
00:11:38.43\00:11:41.00
about I'm
drinking my orange juice.
00:11:41.03\00:11:43.43
I'm eating my
breakfast, I'm going to work.
00:11:43.47\00:11:46.37
And then the one
thing they gets me
00:11:46.40\00:11:48.07
is that them, people,
00:11:48.10\00:11:50.51
some people are going
to tell other individuals,
00:11:50.54\00:11:54.41
I'm going on
vacation, I'm going to be gone
00:11:54.44\00:11:57.28
for the next two and half weeks.
00:11:57.31\00:11:59.28
What does that
do to your privacy?
00:11:59.31\00:12:01.58
And when someone
knows where you're located
00:12:01.62\00:12:04.42
and the fact that
you have your address
00:12:04.45\00:12:06.65
on these social sites,
00:12:06.69\00:12:08.42
people can find
you, can find your home
00:12:08.46\00:12:10.76
and can go and take care of
00:12:10.79\00:12:12.69
whatever criminal
business they would like to
00:12:12.73\00:12:14.90
because you're not there
00:12:14.93\00:12:16.26
and you've told everyone
that you wouldn't be there.
00:12:16.30\00:12:18.97
So there are things
that you should be aware of
00:12:19.00\00:12:21.47
and you should
think of very seriously
00:12:21.50\00:12:23.41
as you take a look
at these things called,
00:12:23.44\00:12:26.74
things called
technology and your privacy.
00:12:26.78\00:12:31.48
Now what's also a part
of, of emails, phishing
00:12:31.51\00:12:35.78
because they try to lure
you to click on the link,
00:12:35.82\00:12:38.25
you also have spam email
00:12:38.29\00:12:40.36
that was a big, big thing
and I'm glad that certain,
00:12:40.39\00:12:42.92
certain rules
have come into play
00:12:42.96\00:12:44.56
that engage these organizations
00:12:44.59\00:12:46.66
and many of them that have spam
00:12:46.70\00:12:48.36
hundreds of thousands
people have been found at fault
00:12:48.40\00:12:51.60
and they've been
penalized for what they've done.
00:12:51.63\00:12:54.87
In email, there are
other issues to contend with.
00:12:54.90\00:12:58.61
For example,
00:12:58.64\00:13:00.28
when you look at spyware
00:13:00.31\00:13:01.64
that can be put
onto your system,
00:13:01.68\00:13:04.11
and people can find
information out about you
00:13:04.15\00:13:07.15
because it has been
put in your computer system
00:13:07.18\00:13:10.42
and its only objective,
00:13:10.45\00:13:12.55
it's programmed
to get information
00:13:12.59\00:13:16.32
from you and on you.
00:13:16.36\00:13:20.13
What does it do though?
00:13:20.16\00:13:21.50
What does this information do?
00:13:21.53\00:13:22.86
It provides any type of criminal
00:13:22.90\00:13:25.10
the opportunity to
create a profile about you.
00:13:25.13\00:13:28.37
It creates an opportunity
to access your information.
00:13:28.40\00:13:32.71
It creates an opportunity
00:13:32.74\00:13:34.34
for someone to
access your funds.
00:13:34.38\00:13:36.48
You work hard for it,
00:13:36.51\00:13:37.88
you put it away and if
you are as, I hope you are
00:13:37.91\00:13:41.72
an individual that saves,
meticulously plans his day,
00:13:41.75\00:13:45.49
that plans his budget,
00:13:45.52\00:13:46.86
plans what they
do with their time,
00:13:46.89\00:13:48.92
I would tell you
00:13:48.96\00:13:50.43
and hope that you would
be the type of individual,
00:13:50.46\00:13:52.93
then think very carefully
00:13:52.96\00:13:54.73
about who has
access to your information.
00:13:54.76\00:13:58.13
So there are about ten items
I would like to share with you,
00:13:58.17\00:14:02.50
that would provide you
00:14:02.54\00:14:04.24
a added sense of
hopefully a little security
00:14:04.27\00:14:07.91
in reference to
holding onto your private data
00:14:07.94\00:14:10.88
instead of having everyone
made aware of what you do.
00:14:10.91\00:14:16.48
Number one would be opting out
00:14:16.52\00:14:20.22
of prescreened offers of credit.
00:14:20.26\00:14:22.56
You can go to opt
out prescreened.com
00:14:22.59\00:14:25.26
and you will
have the opportunity
00:14:25.29\00:14:26.66
to take your name and or address
00:14:26.70\00:14:29.23
and you can make a
request to stop receiving
00:14:29.26\00:14:31.40
any of these annoying
credit and or insurance offers.
00:14:31.43\00:14:35.07
That's a very
key for two reasons
00:14:35.10\00:14:36.87
because when you
receive these in your mailbox,
00:14:36.91\00:14:39.14
a lot of crime happens
00:14:39.17\00:14:40.84
when people will go by mailboxes
00:14:40.88\00:14:42.94
and take these offers out.
00:14:42.98\00:14:44.45
If you're
pre-qualified for a credit card,
00:14:44.48\00:14:47.52
then somebody else now
has their pre-qualification
00:14:47.55\00:14:50.35
and creates the
opportunity for fraud.
00:14:50.39\00:14:52.22
I've seen it happened,
00:14:52.25\00:14:53.59
I've gotten calls at
times about what do I do,
00:14:53.62\00:14:55.72
what are my next steps,
00:14:55.76\00:14:57.09
how do I handle someone
trying to steal my identity
00:14:57.13\00:15:01.43
and how do I get it
back and fix the problem.
00:15:01.46\00:15:04.33
If you have to fix a
problem that's already occurred,
00:15:04.37\00:15:07.37
it creates that much more havoc
00:15:07.40\00:15:09.90
and, and, and
problems in your life.
00:15:09.94\00:15:13.04
So take a step
to-- and if in fact,
00:15:13.07\00:15:15.78
your mailbox is not secure,
00:15:15.81\00:15:17.88
it's open where someone
can just walk and open it
00:15:17.91\00:15:21.05
and take whatever is out,
00:15:21.08\00:15:22.42
you might think differently
00:15:22.45\00:15:23.79
about how you have
your mailbox system setup.
00:15:23.82\00:15:26.59
We have locks on ours
right now on our cul-de-sac
00:15:26.62\00:15:29.42
and it's
beneficial from standpoint.
00:15:29.46\00:15:31.99
So I know that
when the mail person
00:15:32.03\00:15:35.20
puts it in the mailbox,
00:15:35.23\00:15:37.00
it will pretty much be
secure until I take it out.
00:15:37.03\00:15:40.87
Second one would be,
00:15:40.90\00:15:42.30
stop your phone
records from being sold.
00:15:42.34\00:15:44.77
Did you know that your
phone records are sold?
00:15:44.81\00:15:48.74
Call your landline company
or your wireless phone company
00:15:48.78\00:15:51.78
and request to opt out of CPNI,
00:15:51.81\00:15:56.65
CPNI is your call
records information.
00:15:56.69\00:15:59.95
Most telephone
companies sell this data.
00:15:59.99\00:16:04.09
And you have to opt out
00:16:04.13\00:16:07.30
because you're
automatically in the program
00:16:07.33\00:16:10.47
and they use it to sell
and to gain revenue from it.
00:16:10.50\00:16:15.60
A lot of other
things that are there,
00:16:15.64\00:16:17.01
the number three would be,
00:16:17.04\00:16:18.44
keep your banking
account records private.
00:16:18.47\00:16:21.58
Under federal law,
00:16:21.61\00:16:22.94
your bank can sell your
bank account information,
00:16:22.98\00:16:25.61
did you know that?
00:16:25.65\00:16:27.05
People don't realize that
00:16:27.08\00:16:28.42
but they are given the
right to sell that data
00:16:28.45\00:16:31.02
as a matter of
gaining access to data
00:16:31.05\00:16:34.36
about your specific demographic.
00:16:34.39\00:16:36.76
They know specific items.
00:16:36.79\00:16:38.36
Now they can sell information
including bank balances,
00:16:38.39\00:16:42.36
of course, they
are regulations to that
00:16:42.40\00:16:44.50
because they can't
associate with the name
00:16:44.53\00:16:46.17
and a social security
number and that type of thing.
00:16:46.20\00:16:48.97
But your
information now goes out
00:16:49.00\00:16:50.77
and it's
accumulated in a database
00:16:50.81\00:16:52.57
where they now can program
to gain access to information
00:16:52.61\00:16:55.94
and they say, the average
bank balance of an individual
00:16:55.98\00:17:00.85
that makes 35 to $40,000 a year
00:17:00.88\00:17:03.75
between ages of 40 to 60
years of age is this number.
00:17:03.79\00:17:07.99
And it's a
fantastic bit of information
00:17:08.02\00:17:10.83
because they can find in tune,
00:17:10.86\00:17:12.83
their products and
services as a bank to you
00:17:12.86\00:17:15.86
but now other people
now have access to it
00:17:15.90\00:17:18.50
and they can say okay,
00:17:18.53\00:17:20.24
a 45 year old individual
who makes this amount of money
00:17:20.27\00:17:23.17
typically will have
this amount of money
00:17:23.20\00:17:24.61
saved in a bank account.
00:17:24.64\00:17:26.14
And if he has this
amount of out money,
00:17:26.17\00:17:27.94
he is a pretty much
good target to go after
00:17:27.98\00:17:30.75
so that-- and you
begin to understand now
00:17:30.78\00:17:33.45
the full weight and capacity
00:17:33.48\00:17:35.48
and power of any
type of organization
00:17:35.52\00:17:38.72
that has access to
your banking information.
00:17:38.75\00:17:43.56
Now so number three on list
00:17:43.59\00:17:45.29
will be keeping your
bank records private.
00:17:45.33\00:17:49.00
Get free credit monitoring.
00:17:49.03\00:17:51.20
That's offered free.
00:17:51.23\00:17:52.87
Free credit
monitoring, you can actually,
00:17:52.90\00:17:56.30
there are three
different agencies
00:17:56.34\00:17:57.67
that offer credit monitoring.
00:17:57.71\00:17:59.77
You can get it once
every year for free.
00:17:59.81\00:18:02.94
So what I would recommend is
00:18:02.98\00:18:05.01
every four months go and request
00:18:05.05\00:18:07.85
your free credit
report from that one agency
00:18:07.88\00:18:11.32
and then maybe after
four, another four months
00:18:11.35\00:18:13.39
get it from second agency
00:18:13.42\00:18:14.92
and after four months
get it from the third agency.
00:18:14.96\00:18:17.66
You get that for free
00:18:17.69\00:18:19.16
and you can do it by
calling a specific 877 number
00:18:19.19\00:18:22.80
or going to your,
00:18:22.83\00:18:25.23
URL the annualcreditreport.com.
00:18:25.27\00:18:30.04
URL is pretty much
just a website name
00:18:30.07\00:18:33.01
that you can go to,
00:18:33.04\00:18:34.38
to access that
free credit report
00:18:34.41\00:18:36.81
that you will need.
00:18:36.85\00:18:38.81
Number five on the list
00:18:38.85\00:18:40.95
is considered a
Do Not Call Registry.
00:18:40.98\00:18:45.25
This is something I think
we should all be excited about
00:18:45.29\00:18:49.06
because we all know
00:18:49.09\00:18:51.13
the privacy issues
involved with that.
00:18:51.16\00:18:53.50
I know at home when you can,
00:18:53.53\00:18:55.83
you're sitting down
for dinner with your family
00:18:55.86\00:18:58.50
and someone calls
at a specific time
00:18:58.53\00:19:01.60
to ask you to donate to
give to be a part of whatever.
00:19:01.64\00:19:05.31
One of the things that
are really annoying is,
00:19:05.34\00:19:07.61
we need to begin to speak
out and vocalize our concerns
00:19:07.64\00:19:12.31
about even our
elected officials.
00:19:12.35\00:19:14.22
When these
election cycles come up,
00:19:14.25\00:19:16.02
we are inundated
with all of these calls
00:19:16.05\00:19:18.82
by our senators
and our congressmen
00:19:18.85\00:19:22.46
to influence you
to vote a certain way.
00:19:22.49\00:19:24.89
And they shouldn't be
able to do that type of thing.
00:19:24.93\00:19:28.00
But they do, as do
many other organizations.
00:19:28.03\00:19:30.67
So by calling the
Do Not Call Registry,
00:19:30.70\00:19:34.60
and enrolling
your telephone number,
00:19:34.64\00:19:36.81
then, both your
landline as well as wireless,
00:19:36.84\00:19:40.58
of federal trade commission,
anti-telemarketing list
00:19:40.61\00:19:44.65
will add you to the list
00:19:44.68\00:19:46.61
so that you will
not receive those calls.
00:19:46.65\00:19:49.62
That's critical and I
really like that opportunity
00:19:49.65\00:19:53.02
because I don't
like those calls.
00:19:53.05\00:19:55.52
I just hang up.
00:19:55.56\00:19:56.89
As soon as I pick up and I hear,
00:19:56.93\00:19:58.26
it's one of
those robocalls calls
00:19:58.29\00:19:59.63
or the like, yeah, anyway.
00:19:59.66\00:20:01.30
We'll go on from there.
00:20:01.33\00:20:02.66
Number six
00:20:02.70\00:20:04.03
is, safeguard your
social security number.
00:20:04.07\00:20:06.94
Safeguarding your
social security is critical.
00:20:06.97\00:20:11.91
When we talk about
items to carry with you,
00:20:11.94\00:20:15.24
and or items not
to carry with you,
00:20:15.28\00:20:18.25
I would put the
social security card
00:20:18.28\00:20:20.45
as an item not
to carry with you.
00:20:20.48\00:20:23.62
I would memorize a
number if you have to
00:20:23.65\00:20:25.92
but keep that card in a lockbox.
00:20:25.95\00:20:28.59
So no one can get access to it.
00:20:28.62\00:20:31.36
Put it in a private file
00:20:31.39\00:20:32.73
because if someone
gains access to that number,
00:20:32.76\00:20:36.26
you have a major problem.
00:20:36.30\00:20:37.63
It's critical for many
of the private databases
00:20:37.67\00:20:40.77
that are out there
about medical records
00:20:40.80\00:20:43.04
and many other things
00:20:43.07\00:20:44.41
and that's how banks
to use to identify you
00:20:44.44\00:20:46.88
in case you don't
remember your account number.
00:20:46.91\00:20:49.34
So when you sit there
00:20:49.38\00:20:50.71
and think about
the ramifications
00:20:50.75\00:20:52.08
of someone utilizing
that social security number,
00:20:52.11\00:20:55.02
I say, put it in a safe place,
00:20:55.05\00:20:57.65
memorize the
number and leave it there
00:20:57.69\00:20:59.59
unless you actually need it
00:20:59.62\00:21:01.02
for some form of
actual employment
00:21:01.06\00:21:05.26
as well as or tax issue.
00:21:05.29\00:21:07.73
But lock that
social security card away
00:21:07.76\00:21:13.00
and keep it in the safe place.
00:21:13.03\00:21:16.71
Did you know
00:21:16.74\00:21:18.07
that student enrollment
profiling is out there?
00:21:18.11\00:21:20.61
Your children's schools
can sell personal information.
00:21:20.64\00:21:25.71
And they can
sell it to marketers
00:21:25.75\00:21:29.68
and as well as recruiters.
00:21:29.72\00:21:32.29
Why would recruiter want it?
00:21:32.32\00:21:33.76
Well, they're looking
for good students to go after
00:21:33.79\00:21:37.89
and recruit for their specific
purposes of their school.
00:21:37.93\00:21:41.53
They're also individuals
that would like to just get it
00:21:41.56\00:21:45.13
to have
information about performance
00:21:45.17\00:21:47.17
and other
information of students
00:21:47.20\00:21:49.17
as a group or even
individual performance
00:21:49.20\00:21:51.97
based on an age demographic.
00:21:52.01\00:21:54.14
Federal law allows you
00:21:54.18\00:21:56.08
to opt out of this type
of information and sell.
00:21:56.11\00:22:00.65
It's critical that we
consider these type of things
00:22:00.68\00:22:03.99
because without understanding
00:22:04.02\00:22:07.19
that you have to take an action,
00:22:07.22\00:22:09.62
it creates more of a problem
for you than anything else.
00:22:09.66\00:22:14.40
I'm gonna take a
moment and actually talk about
00:22:14.43\00:22:16.50
some of the social
networks that are out there.
00:22:16.53\00:22:19.33
And you're seeing
a lot of information
00:22:19.37\00:22:21.27
going back in the internet
00:22:21.30\00:22:23.54
about some of these
privacy issues that you see.
00:22:23.57\00:22:26.27
And in many of them,
00:22:26.31\00:22:27.64
you need to take physical action
00:22:27.68\00:22:29.01
and go online and go
to those social networks
00:22:29.04\00:22:32.55
and actually make sure
you have your privacy settings
00:22:32.58\00:22:35.42
set to the right setting.
00:22:35.45\00:22:38.52
I only have friends
00:22:38.55\00:22:39.89
and or friends of
friends in certain situations
00:22:39.92\00:22:42.79
but for the majority of things
I just share with friends.
00:22:42.82\00:22:46.63
And that's really it.
00:22:46.66\00:22:48.13
I try to keep it as, as such
00:22:48.16\00:22:50.63
so that I don't
have to deal with
00:22:50.67\00:22:53.34
not knowing where
my information is.
00:22:53.37\00:22:55.37
And if consider the
friends that I have trustworthy,
00:22:55.40\00:22:57.84
I know that
they're not taking images
00:22:57.87\00:22:59.74
that I have and family pictures
00:22:59.77\00:23:01.44
and sending them
in all over the place.
00:23:01.48\00:23:03.04
So these are things you
can do to try to control
00:23:03.08\00:23:06.31
and try to do
because I always tell people
00:23:06.35\00:23:08.32
when your information is
out there on the internet,
00:23:08.35\00:23:10.92
when it's there, it's gone.
00:23:10.95\00:23:12.85
There is no way
for you to retrieve it
00:23:12.89\00:23:14.92
and bring it back in.
00:23:14.96\00:23:16.29
Information on the super highway
00:23:16.32\00:23:18.39
is something that I really
ask you to be careful about
00:23:18.43\00:23:22.56
because once you put
it out there, it is gone.
00:23:22.60\00:23:25.47
So think twice,
think three times
00:23:25.50\00:23:28.17
about what you're saying.
00:23:28.20\00:23:29.54
When I go on a social network
and try to give an update,
00:23:29.57\00:23:32.47
I think three or four times,
I try to make it positive,
00:23:32.51\00:23:36.08
I try to make it informative
and I try to keep it short
00:23:36.11\00:23:39.85
and I don't' spend
much time out there
00:23:39.88\00:23:42.42
and I don't say that much.
00:23:42.45\00:23:43.79
I like to watch and
see and hear information
00:23:43.82\00:23:46.45
but I don't like to
have my information out there
00:23:46.49\00:23:48.82
for anyone to, to look at
00:23:48.86\00:23:50.79
as well as to respond to
in many different situations.
00:23:50.83\00:23:56.53
Now we'll go to, number eight
00:23:56.56\00:23:58.93
is where I think we
left off, loyalty programs.
00:23:58.97\00:24:02.74
Have you ever heard
of loyalty programs?
00:24:02.77\00:24:04.87
These are big, big issues
00:24:04.91\00:24:07.41
when you're looking at
information being sent out
00:24:07.44\00:24:10.71
and you are lost.
00:24:10.75\00:24:12.08
When they sign you up
for a loyalty program,
00:24:12.11\00:24:14.18
what do they typically ask for?
00:24:14.22\00:24:16.55
They ask for your
personal information.
00:24:16.58\00:24:18.82
And when you give
your personal information,
00:24:18.85\00:24:21.06
they can now
track what you purchase.
00:24:21.09\00:24:23.53
They track what you
purchase and guess what,
00:24:23.56\00:24:25.79
they can also send you coupons
based on your purchase habits.
00:24:25.83\00:24:29.63
So they're watching it
and they're tracking it.
00:24:29.66\00:24:31.67
But for the major issue
00:24:31.70\00:24:33.94
that's involved
here is its information.
00:24:33.97\00:24:37.47
It's critical
that you understand
00:24:37.51\00:24:41.04
that information is
power, information is money.
00:24:41.08\00:24:45.95
And these guys know it,
00:24:45.98\00:24:47.78
they want to make
it attractive for you
00:24:47.82\00:24:49.52
to buy into it but
you shouldn't do that.
00:24:49.55\00:24:52.15
I would personally
never allow, you know what,
00:24:52.19\00:24:55.42
I do have a loyalty program
for an automotive retailer
00:24:55.46\00:25:00.73
and they give some
pretty good breaks.
00:25:00.76\00:25:03.33
They give some information
but I have not had a problem
00:25:03.37\00:25:06.27
of being inundated
00:25:06.30\00:25:07.74
by their
advertising organization.
00:25:07.77\00:25:10.41
But then again, I don't know,
00:25:10.44\00:25:12.21
how they're using
that information on me.
00:25:12.24\00:25:14.38
I don't know how, who
they're selling it too.
00:25:14.41\00:25:16.95
Because they make
money from that standpoint
00:25:16.98\00:25:19.28
so I might reassess that one.
00:25:19.31\00:25:20.82
But for the most part,
00:25:20.85\00:25:22.35
any of these programs
that offer supermarket
00:25:22.38\00:25:25.72
or other type of
loyalty programs,
00:25:25.75\00:25:28.36
it makes it
easy for that company
00:25:28.39\00:25:30.49
to sell your information.
00:25:30.53\00:25:32.49
Be loyal to stores
without the loyalty cards.
00:25:32.53\00:25:36.03
You don't need to have a
loyalty card to go and do,
00:25:36.06\00:25:38.90
and of the things that
my wife and I typically do
00:25:38.93\00:25:42.00
is we search
some of the newspaper
00:25:42.04\00:25:45.61
for the best
deals during the week.
00:25:45.64\00:25:47.18
So we have a-- we know,
00:25:47.21\00:25:48.54
when a certain a grocer
00:25:48.58\00:25:50.71
will have these
type of things on sale
00:25:50.75\00:25:53.35
and we know
00:25:53.38\00:25:54.72
where they'll have these
other type of things on sale.
00:25:54.75\00:25:56.69
So we will spend sometime
00:25:56.72\00:25:58.05
or we drive to two or
three different locations
00:25:58.09\00:26:00.06
to make our
purchases but guess what,
00:26:00.09\00:26:01.72
we save a lot of money,
00:26:01.76\00:26:03.09
we haven't been signed
up for any loyalty program,
00:26:03.12\00:26:05.39
we know our
information from that standpoint
00:26:05.43\00:26:08.23
is relatively safe
and we get a good deal
00:26:08.26\00:26:11.17
and keep our expenditures
00:26:11.20\00:26:13.97
in grocery areas
under that number.
00:26:14.00\00:26:17.44
Number nine, is
secure your accounts.
00:26:17.47\00:26:21.54
Secure those accounts.
00:26:21.58\00:26:22.91
So if you have a password,
00:26:22.94\00:26:25.58
if you have not
passworded your smartphone,
00:26:25.61\00:26:28.05
or if haven't put a password
on many of your bank accounts,
00:26:28.08\00:26:32.45
they pretty much
require that now,
00:26:32.49\00:26:34.36
but I would ask that you
secure all of your accounts,
00:26:34.39\00:26:38.63
banking, telephone, utilities,
00:26:38.66\00:26:41.70
it's essential that you do that.
00:26:41.73\00:26:44.10
And number ten on the list
00:26:44.13\00:26:46.30
is, think about
privacy all the time.
00:26:46.33\00:26:52.34
It's important
that you don't give out
00:26:52.37\00:26:54.68
your private
information to anyone
00:26:54.71\00:26:56.54
that gives you a call.
00:26:56.58\00:26:58.08
Don't give out
your information online.
00:26:58.11\00:27:00.65
If you don't know
00:27:00.68\00:27:02.02
who you're sending
information to, don't.
00:27:02.05\00:27:04.35
Keep your information as
private as you possibly can
00:27:04.39\00:27:07.89
and don't share information.
00:27:07.92\00:27:09.79
When you receive an email
that doesn't seem appropriate,
00:27:09.82\00:27:13.26
and that's asking
for personal information,
00:27:13.29\00:27:15.30
delete the email.
00:27:15.33\00:27:16.90
When you get a warranty card
00:27:16.93\00:27:18.30
or information or
asking to sign into,
00:27:18.33\00:27:21.24
some type of, of,
of program, don't do it
00:27:21.27\00:27:24.91
because you have to understand,
they're taking your information
00:27:24.94\00:27:28.71
and they're using
it in creative ways
00:27:28.74\00:27:31.41
to sell to others.
00:27:31.45\00:27:33.11
This thing called
consumer privacy is a big item.
00:27:33.15\00:27:36.85
With the proliferation
00:27:36.89\00:27:38.22
of so many different
pieces of technology,
00:27:38.25\00:27:40.69
with tablets and smartphones,
with online social networks,
00:27:40.72\00:27:44.46
it's not just about the services
00:27:44.49\00:27:46.19
they're providing you,
00:27:46.23\00:27:47.56
it's about the information
they're taking from you.
00:27:47.60\00:27:51.60
Look, be smart and
you'll Take It To The Bank,
00:27:51.63\00:27:55.30
God bless you.
00:27:55.57\00:27:56.91