No phishing for me, thanks

Ping! Your cell phone makes a noise and you check who the text message came from.

We’ve all been well trained to keep our phones nearby and to check and respond quickly to text messages. Once in a while, instead of it being your friend, spouse, parent or child, it’s a scary warning from your bank, or the tax department telling you to contact them because something has happened to your account. At this time of year in Canada and the US, we’re all on extra alert, and some cool headed thinking can prevent great financial losses.

Identifying a scam

Text messages are a great addition to our list of communication tools. If I’m in the grocery store and my wife wants me to pick up a few more items, I’ll tell her to send me a text with the list – don’t call me as I’ll forget as soon as we get off the phone! However, as with any helpful tool, there is always someone who finds a sinister misuse for it. It’s not uncommon, especially during the tax season to get a message like this:

Message 
Yesterday 9:1 2 
You have received $493 
from the Canada Revenue 
Agency last year for your 
taxes. Please fill in the 
following online form:

There’s a common pattern in scam messages, also known as phishing (as in fishing for information). The scammer wants to either scare you into action or promises you some reward – like the supposed $493 from the Canada Revenue Agency. These types of texts will have a link that, when clicked, appears to be a trusted organization like your bank. Do not click on these! You will be asked for your user name, password and possibly other private information. The scammer will use these to steal your banking or other financial resources.

But not all texts are phishing

The banks and other financial institutions have also started using text message alerts as a notification system. But how do you tell the difference? Have a look at this message:

TD FRAUD ALERT Purchase 
$58.34 @ SKIPTHEDISHES.C 
Credit Card ** 16 Reply Y if this 
was you/your add! Cardholder, 
N if not Msg rates may apply

In this message, it appears to be coming from TD Bank and is asking if you spent a specific amount at a specific vendor. It asks you to respond either with “Y” that you made this purchase (and all is ok) or “N” for no that you didn’t make this purchase (and all is not ok).

The difference – in the scammer text, you are asked to provide your personal information. In the second, you are only being asked to confirm or deny information. At no time is any personal details exchanged.

So, now you know that scam messages will ask you to click a link, or call a phone number. Notification alerts only ask you to confirm or deny information. For any type of alert where you are not sure, you can call to a known phone number from your bank and find out if the alert is true or not. By understanding the different types of messages you may get, you will always be in control and have the right response.

Sometimes it looks like a scam but it’s not

Recently I read about a new scam going around – scammers attempting to port phone numbers illegally:

https://www.680news.com/2020/01/25/woman-targeted-in-new-type-of-cellphone-scam/

In this scam, the scammer was able to determine just enough personal information about someone that they could call the cell phone provider and have the number moved to another provider. A text message was sent to their phone but the original owner either didn’t see it in time or thought it was a scam – a valid response based on how’ve we’ve been trained to react.

Rogers has received a request to 
transfer your telephone number to 
another Service Provider. If you did not 
authorize, contact Rogers urgently at 
1-877-327-8503

Once we have been trained to ignore what seems to be a scam message, what should a cell phone owner to do with this new information?

When you receive what appears to be a phishing text, if you aren’t sure if it’s valid, contact your bank, cell phone provider or whichever company is referenced. Do not use the number or website in the text! Look it up either through your contacts, the back of your credit card or through the provider’s official website.

Most mobile phone providers in the US offer blocks to prevent your phone from being ported unless you provide them with a pin number that you set up. The following article explains this process https://www.thebalance.com/prevent-your-mobile-number-from-being-ported-4160360 and you can call your Canadian (or other) provider to find out if they offer such an option

Always be vigilant

This tax season while you are busy enough getting all of your papers and files in order to submit your taxes, it’s more than likely than before that you’ll get phishing texts or phone calls from scammers. Remember that the tax agencies will never call, text or email you with threatening messages. You can always call them at officially listed numbers to find out if there is indeed a problem. When the inevitable scammer comes calling, take a breath, think about your options and then make the right decision to shut them out.

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Goodbye Windows 7

It’s been several months since I sent a newsletter. My new year’s resolution is to send a monthly newsletter. I want to write about relevant technology issues that are important to you. Please feel free to email me with any ideas or questions you have. 

It’s out with the old Windows 7, as of January 14, 2020

Cars vs Computers

In spring of 2009 we bought a 3 year old used Dodge Caravan minivan. It’s always risky to purchase a used car but here we are 11 years later and our minivan is still in remarkably good working order. We’ve made this happen by following the recommended maintenance over the years and using a talented, creative and honest mechanic. By the way, Leo (our mechanic) says to get your car rust proofed regularly with a service like Krown. It’s one of the few extra things he highly recommends and we still see the results today.

I realize that at some point soon there are going to be enough things wrong with the van that we’ll have to say goodbye. As long as it’s safe to drive and reasonably cost effective to run, we’ll keep it.

Think about the computers you’ve bought in the last decade

Do you still have one that is in good working order? Is it still ‘safe’ to use? Safety for a computer is a bit different than that of a car. Microsoft and Apple release security updates on a regular basis to keep the computer safe from hackers and other nasty villains out there on the internet. You can think of the security updates over time much like the Krown rust spray that we have put on our car every year. If you have a Windows computer that was bought between 2009 and 2012, it likely came with Windows 7. In fact, Windows 7 was such a successful and reliable operating system, that it was still being installed on new computers past 2015 when Windows 10 was released.

Up until now, if you asked me if you should upgrade your Windows 7 computer, I would ask these questions:

  1. What are you doing with your computer?
  2. Is there anything you are doing with your computer that can’t be done with Windows 7?
  3. And if the answer to the previous 2 questions was that everything is working properly, I would ask if you enjoy causing unnecessary chaos in your life?

That all changes now.

On January 14, 2020, Windows 7 will be reaching End of Life (EOL). You can read all about it here: https://support.microsoft.com/en-ca/help/4057281/windows-7-support-will-end-on-january-14-2020

What does this really mean to you?

As of January 14, 2020, Microsoft will no longer release security updates. It would be as if the fine people at Krown looked at our van and said, sorry, your car is too old for a rust proofing, we’re not going to do it anymore. As you can imagine, at first the car would continue to run just fine but as time goes on, and no additional rust proofing is done, the rust will overtake the car and make it a good candidate for the junkyard.

It’s similar with your Windows 7 computer. On January 15, 2020, everything will work properly. And possibly for days and months to come it will be fine. But eventually a security issue will be discovered and there will be no fix from Microsoft. Your chance of some type of hack on your computer will only increase over time.

Should you throw out your computer on January 14, 2020?

No, you have several choices after Windows 7 goes end of life.

  1. Continue using your computer while being aware of the risks.
  2. Install a program such as Malwarebytes to provide some level of protection 
  3. Upgrade your computer to Windows 10

Continue using your computer

We already talked about what happens if you continue to use your computer after Windows 7 goes End of Life. Continue at your own risk!

Third party anti-virus and malware protection

Even after Microsoft ends support for Windows 7, numerous anti-virus and malware protection software will continue to work for some time. Examples include Norton Antivirus, McAfee Antivirus and Malwarebytes. I highly recommend a paid subscription to Malwarebytes as it runs all the time and can protect you from problem websites and other online issues. This also applies to modern up to date Windows 10 computers.

It is important to note that even with the best antivirus protection software running on Windows 7, continuing to use Windows 7 is risky.

Upgrade to Windows 10

Since Windows 10 was released in 2015, they have made a free upgrade to Windows 10 available at https://www.microsoft.com/en-ca/software-download/windows10. You need to either run it from the website, or create a USB key or DVD to do the upgrade. It will check your computer first and will notify you if any of your hardware isn’t compatible with Windows 10. I have had much success with this upgrade, even on some computers that are 10 years old.

Concluding thoughts

While on the surface it appears that the end of Windows 7 support means that your computer is now garbage, it’s couldn’t be further from the truth. With a little planning and effort, your computer can still be a useful tool for several more years.

Now if only there was a USB key that would upgrade my 2006 Dodge Caravan to the latest model!

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