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The Phone Setting You Must Turn "on" TODAY!! (here's how to do it)
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unfortunately it's never been more important than it is right now today to protect believe it or not the phone number for your smartphone because unfortunately hackers are getting access to our phone numbers they're able to pretend that they're us and they're stealing tens of thousands of dollars if not hundreds of thousands of dollars from unsuspecting victims I don't want to see that happen to you so so let's jump in we'll talk about what the scam is and how you can protect yourself from it okay let's jump to Consumer Reports and they they have an article titled prevent Sim swapping attacks so prevent an attacker from stealing your Mobile account information this will stop them from receiving calls text and data tied to your phone which can be used to gain access to personal and financial accounts so what's happening many of the important websites the financial institutions that we're working with now require something called two-factor authentication right so we we put in our username we put in our password and then that institution sends us a text and the scam used to be they would try the scammers would try to to fool you into giving them that that number that was texted to you but you know what they found it was a lot easier to just steal your phone number and then that that code gets sent directly to them and it it sounds impossible to happen but yet it's happening each and every day and it's costing people tens of thousands hundreds of thousands of dollars so how do we protect ourself right this multiactor authentication was supposed to be the protection for us so first off how are these scammers getting our phone number the first one unfortunately sometimes there's insiders at the phone compy that is is porting your number to somebody else's phone and unfortunately there's not much you and I can do uh about that the way you'll know if your phone number's been P ported to somebody else you'll look at your cell phone you'll say you know why do I have no sell service and and those you know how many bars do you have do you have four bars do you have five bars you'll have zero bars and that is your warning so that's one way that scammers get get your phone number but the other way is is through through things that we can do to make it harder for them to get access to our phone number let's go through this consumer report and see what they recommend they they say first to set a pin or a passcode and security question with your cell provider so if somebody calls a scammer calls and pretends to be you and now remember with artificial intelligence they can sound just like you and they do all of this social engineering they look at your Facebook profile to maybe see where you went to high school and when you graduated from college so be sure with these security uh questions that you pick something that people can't easily get off of your social media profile or through other sources right maybe the the first name of your dog when you're five years old that would not be anywhere in social media something like that okay so the first thing they do Consumer Reports recommends and there's three of them here the first one is to set a pin or a passcode and security question with your cell provider so the let's go through the the various uh carriers they they talk about four carriers here let's start with Verizon it's one of the more common cell phone providers uh self-service providers Verizon lets you set up a number lock to protect your mobile number from an unauthorized transfer that's what we're talking about you can set this up by your phone through the app or on the website or you can call customer service at 61 at star 611 and request a number lock on your phone or on your app you can go to settings um number lock and select the number you want to lock or you can go to their website look up number lock okay AT&T they call it managing extra security on your settings and um it may require you to enter your password your passcode which I would hope that it would uh and you can sign in to manage your wireless account by going to my AT&T and your profile you log in then it's my linked account manage extra security account and then turn on extra security for T-Mobile account takeover protection you can add it to your account they don't say how to do that I can tell you I know people have gone physically to the T-Mobile uh store to set this up and then Google file lets you set up a number lock to protect your number from unauthorized transfer Consumer Report says the follow Google's instructions okay so that was number one is to set up this security question set up this this passcode number two is consider moving away from text message based multiactor authentication we always have to try to stay one step ahead of these F uh these scammers these bad guys and so one thing we can do is instead of having the service provider send you a code by text they now make authentication apps um and you can find these on on the uh App Store I know Google has one it's called authenticator and then oftentimes the password managers this is not sponsored by a password manager but companies like one pass companies like uh last pass um and not only is a password manager important for this authentication these authenticator apps tend to be free uh it's also important when you switch your cell phones if you upgrade to a new phone make sure you know how you're going to pass that authentication app over with all of these authentication protocols that you've set up uh otherwise it can be difficult me a couple I made that mistake and I was in some pain for a couple weeks until everything got transferred over okay so that's Consumer Reports number two is consider using one of these uh authentication apps and the third one is to set up a pin code for your physical SIM card in our in our smartphones we can put on a passcode to protect that physical card right now you know if if you're at a coffee shop and you go to use a restroom and you leave you forget and you leave your cell phone on your table somebody doesn't you know they don't necessarily have to steal your cell phone they can just steal that SIM card and if you don't have this protection once they have the SIM card they and if they know more information about you they're going to get these text messages to you they'd need more information because they'd need to be able to log into your your bank but maybe you know you you were recently on your bank's website on your phone and and they could get to it um so we need to be careful because that physical SIM card if you still have one I know uh the latest Apple phones don't have a physical SIM card anymore um so that's the third one is to put this code on um and they say you know anybody with your your sim card would need to enter this pin often times you need to put in your PIN code in order to to add protection and they say don't try to guess it because too many failed attempts can lock you out of your own account and the last one is to protect yourself to guard yourself from fishing attempts we all know what this is It's when scammers send us texts it's when scammers send us emails and in this case they're looking for information that would help them impersonate you to the bank or an employee or another company in order to be able to obtain personal information on you so this is critical to protect ourselves you've worked hard for your money and unfortunately as we get older we have we we become a bigger Target because we're we're not as sharp as we were in our 20s and 30s and and our bank account balances are typically larger so not only uh do we have a larger net worth but it's important we think about when we're going to retire and that's why I made this video here why waiting to 65 to retire might be a big mistake I'll see you in that video byebye
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