Question from America Now!

Notes taken from America Now News for which Theresa Payton (Fortalice, LLC.) serves as a Cyber Expert. http://www.americanownews.com/story/16190165/theresa-payton

Question:
I am trying to find work at home and to avoid scams.  There is an ad on CNN for people to work at home, but I can't determine if this is a scam or if you can really make money this way.  There is another ad for Angela Bussio Home Profit Master and Google search said this was a scam.  Are these legitimate or fake?

Answer:

It can be hard to decipher the real jobs from the scams.  Especially when they advertise on sites you trust and visit every day.

The best way to research work from home options is to start by researching the ones that you like  with the Better Business Bureau.  Even an ad placed on a legitimate job site could be a scam.  Look for red flags such as (1) do they ask for a credit card number or bank account number before they process your application?  (2)  do they talk about sending you a large sum of money and then ask you to redistribute it?  (3) do they ask you to pay a fee up front?  (4)  does it say no experienced required but everyone is getting rich?  If the answer is yes to any of these questions, it might be a scam.

Another resource that you might find helpful is the Rip Off Report at  http://www.ripoffreport.com/ .  It will show you user reviews of various sites.  Remember, it is a report for rip offs so some of the filed complaints might be complaints vs. indicating it is a scam.

For a sample of legit work at home jobs, look at an article on Bankrate.com http://www.bankrate.com/finance/jobs-careers/7-legit-work-at-home-jobs-20-somethings.aspx#slide=1. 

The Day I Was Erased Digitally

Webnotes by: Theresa Payton, Fortalice, LLC. Content also featured on WBTV Channel 3's "Protecting Your Cyberturf" segment featuring Theresa Payton and Kristen Miranda

It’s everyone’s worst night nightmare - eveyrthing digital in your life gets wiped out.  Your phone, your computer, your tablet, every email address, social network profile.  For a minute, you may fantasize and say “that could be fun!” but then you realize there would be nothing funny about losing all that access because someone is in all of your devices and accounts.  This is not a sci-fi movie either.  It really does happen, and most of you probably didn’t know that even techies and security experts worry about this happening to them.   This case was a tragic case and unprecedented but cyber security expert, Theresa Payton, talks about how this can happen to anyone and some tips to stay a little safer online.

TIPS:

1.  LINKING ACCOUNTS:  It’s convenient but if someone compromises one account, they are into everything
2.  PRIVACY SETTINGS AND SECURITY SETTINGS:  Look for additional features such as hiding your email address, or secure sign ons that take an extra step
3.  BACK UP FILES:  Just in case this happens to you, back up your files and not just to the cloud.  Consider an external drive.
4.  KNOW YOUR OPTIONS:  Look up all your favorite accounts NOW before you are hacked to find out who you call or email during an issue; have those on hand in case the worst happens
5. CLOUD AND LOCATOR OPTIONS:  They actually got to his devices through the cloud and locator options; just a word of caution when you use those services that they could be used against you!  

WORD OF THE WEEK:
Mountain Lion - We’re not talking the wild here!  This is the new operating system for the Mac by Apple.  200 new features such as a revamped messaging and sharing platform.

WEB RESOURCES:

Detailed account of Mat Honan’s hack is at:  
http://www.wired.com/gadgetlab/2012/08/apple-amazon-mat-honan-hacking/all/  

Apple Support:
http://www.apple.com/support/appleid/

Amazon Support:
http://www.amazon.com/gp/help/customer/display.html?ie=UTF8&nodeId=518316

Google Support:
http://support.google.com/?hl=en

Avoiding Porn on Pinterest

Webnotes taken by: Theresa Payton, Fortalice, LLC. Content also featured on WBTV Channel 3's "Protecting Your Cyberturf" segment featuring Theresa Payton and Kristen Miranda

 

Pinterest gets 4 million unique visits each day to their site.   Unfortunately, with that traffic and popularity comes undesirable effects like the porn pushers.  One viewer was so concerned at the amount of porn she was being tricked into seeing on the site, she wrote to us to ask us to do a segment on this very topic.   
There is nothing worse than searching Pinterest for that favorite recipe, typing in search words and seeing porn.  The worst offender on Pinterst?  The “Everything” stream of pins.  Cyber expert, Theresa Payton, tells us how to avoid the porn.


TIPS:
1.  Specific search terms:  Be specific about what you are looking for on Pinterest.  Many of the porn pins hide behind “Everything”
2.  Red Flag:  Look at the profile creating the pins, do they follow a lot of people but few people follow them back?  Usually a red flag if nobody wants to follow them.
3.  Pin Search:  Go outside Pinterest and do a search for your area of interest and Pinterest pins, that may help you determine the pins you want to follow.
4.  Likes / Repins:  Pay attention to the Likes and Repins.  If the Repin number seems skyrocket high, there might be a spammer behind it
5.  Know Your Rights:  Read Pinterest’s Pin Etiquette and the Terms of Service.  Don’t be shy about flagging pins that you think are inappropriate.
5.  Reporting a Pin:  It’s 3 easy and quick steps - Click on the pin, Choose “report a pin”, type in your reason

WORD OF THE WEEK:
Green Teens:  A term created by Jupiter Research that describes online teens (age 13 to 17) who use their online presence to promote environmental friendly practices such as recycling, cleaning up streams, and renewable energy.

RESOURCES:
Pinterest’s Pin Etiquette

Pinterest’s terms of service  

Dr. Cedric Sims on "Protecting Your Internet Identity: Are you naked online?" by Theresa Payton

Excerpt taken from: Dr. Cedric Sims Talks DHS, Cybersecurity and Texas Heritage by Morgan Barker (Washingtonexec.com) August 3, 2012


"WashingtonExec:  What’s on your summer reading list?
Dr. Cedric Sims: I’m very fortunate and blessed to have four wonderful children; one has just entered into her teen years. As a father, I’m very concerned about making sure that she has the beneficial aspects of the internet and few of its negatives. There is a great book that has recently been released by a person that I respect greatly and the book is called Protecting Your Identity: Are You Naked Online? It was written by Theresa Payton who is a fantastic security executive. Even more importantly, the book is written in plain English and it has relevance to those in this industry and those that are not. I highly recommend it.  After you read it, you will want to give it to your family and your coworker, alike.

WashingtonExec: You discussed a book about protecting your identity online…what are the biggest threats to the individual posed by cyberspace?
Dr. Cedric Sims: Complacency and expectations of anonymity.  We all know the dangers of the internet.  We have passwords for all our accounts, whether they are Facebook, Twitter, email or financial systems.  However, recent breaches and the public display of captured passwords show that the message is still not getting through to our community.  In the case of the Yahoo breach, one of the most common passwords is ’123456.’  Fortunately, most financial institutions force the use of complex passwords.  Which brings me to my next point.  Our youngest users of the Internet do not understand the life-long, permanent trail of pictures, thoughts, and deeds that are being amassed every minute, every day.  There is limited anonymity in cyberspace.  If you do not take explicit action to protect your private information, consider it public.  Sometimes, even our best efforts are not enough."

To read the whole article, click here.

Cybertheives Prey on Worried Parents

Webnotes by: Theresa Payton, Fortalice, LLC. Content also featured on WBTV's "Protecting Your Cyberturf" segment featuring Theresa Payton and Kristen Miranda.

 

It’s every parent’s worst nightmare.  Your child calls and they are out of the country and going to jail.  They are upset.  You are upset.  It’s hard to get all the details during the phone call, but it doesn’t really matter - you would do anything to free them.  The problem is, more often than not, it’s a scam of the worst kind.  Taking advantage of you to make you give up your wallet without asking questions.  

Cyberthieves are trolling internet information and hide behind the anonymity of the net and a convincing phone call to trick parents out of thousands of dollars.  I know it sounds like this scam would be easy to spot but it’s so scary, so emotional, and happens so often even Western Union employees are trained to ask questions when an upset parent is wiring money.  Cyber expert, Theresa Payton, explains.

HOW THEY TARGET YOU AND CARRY OUT THEIR CRIME:
1.  Cyber thieves will troll internet phone books and online databases looking for targets
2.  They will do internet searches to find mentions of family or friends
3.  The more sophisticated ones will even surf social networks to learn nick names, pet names, and other details to make the phone call more convincing
4.  Armed with data, they usually call in the middle of the night so their potential victim will be groggy

THE FOUR TELLTALE SIGNS THIS IS A SCAM:
1.  AREA/COUNTRY CODE:  Look up the country code / area code of the call to make sure it matches the location they claim to be in.  Many of these internet & phone call scams originate in Quebec, Canada-area code "914".  

2.  HURRY & DON’T TELL ANYONE:  The caller will say - “Don’t tell anyone” and then will talk about embarrassment or making it worse.  That’s the hook.  If you feel you must commit while on the phone, do so but BEFORE YOU SEND ANY MONEY, contact the State Department's Office of Overseas Citizens Services (OCS) at 1-888-407-4747. We will help you verify whether the situation is legitimate or a scam!

3.  DON’T CALL MY NUMBER:  Call all the numbers of the loved one that is “in jail” first even if you are convinced that they are in danger and you are on your way to the Western Union to wire money.

4.  SEND CASH QUICKLY:  Any requirements to send 1 or more wires quickly is a red flag

TIP TO PROTECT YOURSELF:
In advance, choose a code word that family members will know for emergencies.  Make sure it is something that you would never share on social media sites.  If this ever happens to you, it’s one more piece of information to detect if your loved one is in trouble or if you are being scammed!
VICTIMS OF THE SCAM:
1.  Call your bank immediately
2.  Report it to your local law enforcement
3.  Report the incident to the Internet Crime Complaint Center (IC3) - this is a partnership between the Federal Bureau of Investigation (FBI) and the National White Collar Crime Center (NW3C).

WORD OF THE WEEK:  BLACKHOLE MALWARE.  This is a virus spreading mostly via twitter.  It sends you to their “black hole” and while you think you are at a legitimate site, when you click on a link it “talks” to a site in Russia that will attempt to download.  This virus is morphing and has been seen in tweets about traffic tickets, photos, and news.  Think before you click!


WEB RESOURCES:

Check the State Department’s website where they cover this type of scam:
http://travel.state.gov/travel/cis_pa_tw/financial_scams/financial_scams_5608.html

File a report with the Internet Crime Complaint Center (IC3)

Western Union has tips on avoiding fraud at:
http://www.westernunion.com/us/consumer-protection/cp-consumerProtection-cch-01.page?


Federal Trade Commission’s Bureau of Consumer Protection .

File a complaint with the State Attorneys General Office of Consumer Affairs

Google Teams up to fight the bad guys

Webnotes by: Theresa Payton, Fortalice, LLC. Content also covered on WBTV 3's "Protecting Your Cyberturf" segment featuring Theresa Payton and Kristen Miranda.

We have warned you before the criminals love the web and they try to trick you into telling data about yourself so they can take advantage of you. Well, now the tables are turning on the bad guys as Google helps the good guys fight the bad ones. 

Just like your clicks on the web leave digital tracks, the same goes

for cybercriminals. And now, Google has figured out what they can do to help law enforcment fight back. Cyber expert, Theresa Payton, is following this latest development and explains how it works.

WHAT GOOGLE PLANS TO DO:

1. They are meeting with key officials from US and foreign law enforcement to come up with a long term plan

2. They have looked at their own tools such as search, photos, and YouTube to

determine behavior patterns of criminals and to apply it to potential crime

3. Tracking postings in a way that protects privacy but alerts law enforcement if

something about the internet usage does not seem on the “up and up”

4. The effort will be run out of Google’s group called Google Ideas.

Law enforcement has a relationship with Google now and has been leveraging the Internet to fight crime. Resources such as Facebook, Twitter, MySpace, blogs have all been used to help prevent crimes and research cases. Even a tip site called Tip411 was created to help link tipsters to law enforcement.

WORD OF THE WEEK:

Google Safe Search: Google has service set up that parents can ask their kids to use for safer searching. It filters out inappropriate content such as pictures or topics that kids should not be exposed to. You can find it at http://www.safesearchkids.com/

The video for this segment can be found in upcoming weeks at www.fortalicesolutions.com under "Videos" or on WBTV's website

Another Reason to Clean Up Your Facebook Account...

Webnotes by: Theresa Payton, Fortalice, LLC. Content also covered on WBTV 3's "Protecting Your Cyberturf" segment featuring Theresa Payton and Kristen Miranda

A lot of people like to keep their personal and professional lives as separate as best they can.  It gets harder every day online to make that distinction.  Although I know most people try to connect with work colleagues on LinkedIn and friends on Facebook, those lines get blurred.  Well, it’s about to get even more blurred!  

Early reports indicate that Facebook is working on a “LinkedIN - like” feature starting with a jobs board.  In fact, it might be available before we hit Fall! Cyber Expert, Theresa Payton, explains how it will work and she wants to remind everyone to get out there and clean up your Facebook profiles!

HOW IT WILL WORK:
1.  Facebook Jobs will pull in job postings from 3rd party providers who are apparently working on a job postings board that will launch later this summer, according to a report by the WSJ. “Facebook Jobs” will be an aggregate that pulls in job postings by third party providers and makes them available in one place and creates a searchable database of jobs for users to browse.

2.  Facebook is keeping the remaining details under design but most likely you will link your Facebook profile to jobs that interest you.  This means employers with the jobs you like could be looking at your profile.

3.  It is possible they will also use the social data they know about you to target jobs at your likes, dislikes, and other information you post online.

WORD OF THE WEEK:
SNAPCHAT:  A play on words, it is a snapshot that you can tweet easily.  Many love this convenient app which allows a photo to expire after 10 seconds and prevents it from being copied.  Just a warning to all our viewers - services like this are not foolproof and child safety experts are worried that this app might encourage sexting.