WEBVTT NOTE This file was generated by Descript 00:00:07.039 --> 00:00:09.525 Candace Dellacona: Welcome to the Sandwich Generation Survival Guide. 00:00:09.525 --> 00:00:14.775 I am your host, Candace Dellacona, and I am so glad to welcome fellow 00:00:14.775 --> 00:00:21.075 sandwich generation member Dan Krutoy, who is here to talk about all things 00:00:21.615 --> 00:00:24.735 security related to cyberspace. 00:00:24.735 --> 00:00:25.335 Welcome, Dan. 00:00:25.785 --> 00:00:27.165 Daniel Krutoy: Thank you so much for having me, Candace. 00:00:27.165 --> 00:00:27.855 Real excited to be here. 00:00:28.500 --> 00:00:32.490 Candace Dellacona: Yeah, I'm so excited too, so for our listeners, Dan and I 00:00:32.540 --> 00:00:37.640 work together with our clients and, we had a really interesting conversation 00:00:37.640 --> 00:00:43.980 that I thought would be useful to everyone out there as we navigate the 00:00:43.980 --> 00:00:50.850 world of cybersecurity and all of the things that we should and should not be 00:00:50.850 --> 00:00:55.900 doing for every level of our sandwich generation quagmire that we have. 00:00:55.920 --> 00:00:59.250 So Dan, you're the guy to talk to about that. 00:00:59.250 --> 00:01:03.970 So maybe just fill us in a bit about who you are, who you work for and 00:01:03.970 --> 00:01:07.320 then we'll get into kind of the nuts and bolts of the topic today. 00:01:08.185 --> 00:01:08.725 Daniel Krutoy: Awesome. 00:01:08.725 --> 00:01:09.715 Thank you again, Candace. 00:01:09.715 --> 00:01:10.865 As mentioned, Dan Krutoy. 00:01:10.885 --> 00:01:16.335 So my title is Principal for a technology firm called Pro4ia and I've been in every 00:01:16.335 --> 00:01:20.785 seat from a technology standpoint, from the support side, help desk, to more 00:01:20.785 --> 00:01:23.035 client facing, to strategic and whatnot. 00:01:23.035 --> 00:01:27.200 And as you can imagine, technology has evolved so much and changed. 00:01:27.230 --> 00:01:31.110 And that's what's exciting about being in this profession is it never gets stale. 00:01:31.160 --> 00:01:33.850 And that's what gets me excited in the morning, is talking about 00:01:33.850 --> 00:01:35.080 these different technologies. 00:01:35.410 --> 00:01:38.200 Candace Dellacona: So having that bird's eye view I think it's really 00:01:38.200 --> 00:01:42.950 important for people to understand is that, you work with executives 00:01:42.990 --> 00:01:44.910 but you work with families as well. 00:01:45.895 --> 00:01:51.805 And the families that you work with are often concerned 00:01:51.835 --> 00:01:55.525 about privacy and security. 00:01:55.585 --> 00:02:02.265 And even though many people think that that issue only impacts a 00:02:02.265 --> 00:02:05.385 family of wealth, I think one of the things that we talked about 00:02:05.385 --> 00:02:09.105 as sandwich generation members is that it really impacts all of us. 00:02:10.320 --> 00:02:14.820 So what I would love to talk about today is because of the changing 00:02:14.820 --> 00:02:22.050 landscape and all of this incredibly rapid increase in technology and 00:02:22.380 --> 00:02:24.510 the scams that go along with it. 00:02:24.880 --> 00:02:31.300 What are the best words of advice and tips that you can provide to us 00:02:31.570 --> 00:02:34.090 to protect ourselves at every level? 00:02:34.570 --> 00:02:36.940 So can you talk a little bit about that in general? 00:02:36.940 --> 00:02:40.960 Maybe let's talk about what the dangers are and then how we kind of 00:02:41.800 --> 00:02:45.370 prevent being a victim of those scams. 00:02:45.850 --> 00:02:48.280 So what are you seeing out there as kind of a trend? 00:02:49.030 --> 00:02:49.330 Daniel Krutoy: Yeah. 00:02:49.330 --> 00:02:50.350 And it's a great point. 00:02:50.350 --> 00:02:53.380 And talking about families and talking about kind of personal 00:02:53.670 --> 00:02:57.890 outside of work technology it's so prevalent in, in every aspect of it. 00:02:57.920 --> 00:02:59.540 And there's so much overlap as well, right? 00:02:59.540 --> 00:03:02.580 You have your personal life that overlaps with your business. 00:03:02.580 --> 00:03:07.070 But, going back to my earlier comment, how technology has evolved cyber threats used 00:03:07.070 --> 00:03:11.785 to really be focused on, the office space and, people would try to steal data there 00:03:11.785 --> 00:03:15.085 and you'd always have to lock your IT room or lock your computer or things like that. 00:03:15.355 --> 00:03:17.785 But now with everything being in the cloud now with everything 00:03:17.785 --> 00:03:19.040 being mobile and accessible. 00:03:19.690 --> 00:03:23.000 Your homes and your families and I'll use my mom as a perfect 00:03:23.000 --> 00:03:24.320 example, being that tech guy. 00:03:24.320 --> 00:03:28.010 I get a call, at least once a day or every couple days or a screenshot 00:03:28.010 --> 00:03:30.060 sent via text of, what is this? 00:03:30.060 --> 00:03:31.740 Or should I be clicking this? 00:03:31.790 --> 00:03:32.990 It's an update on my computer. 00:03:32.990 --> 00:03:33.950 Is this real or not? 00:03:33.950 --> 00:03:38.350 And yeah, I think to answer your question is ask a question or ask questions. 00:03:38.400 --> 00:03:42.580 That's the number one thing is when we implement and ask clients or even, 00:03:42.860 --> 00:03:47.830 families to invest in cybersecurity, the number one thing outside of 00:03:47.830 --> 00:03:51.520 multifactor authentication, which obviously adds that human element, 00:03:51.880 --> 00:03:55.970 is awareness, training, and being aware of what you're clicking on, what 00:03:55.970 --> 00:03:57.820 you're doing who you're doing it with. 00:03:58.190 --> 00:04:01.010 That's the number one thing I would stress is making sure people are aware. 00:04:01.015 --> 00:04:05.540 Because you're so distracted by, your kids' homework and yelling at you while 00:04:05.540 --> 00:04:07.130 you're also working at the same time. 00:04:07.410 --> 00:04:10.810 That's the time that you click on something accidentally and now 00:04:10.810 --> 00:04:14.290 money's being transferred to another account, or now unauthorized access 00:04:14.290 --> 00:04:15.095 is happening to your computer. 00:04:16.375 --> 00:04:18.655 Candace Dellacona: So let's talk about that and obviously 00:04:18.715 --> 00:04:23.995 those phishing expeditions that the scammers send to all of us. 00:04:23.995 --> 00:04:27.275 But I think you bring up a really important point that, there used to be 00:04:27.275 --> 00:04:32.480 a focus in the professional world and a concern about cybersecurity in the 00:04:32.480 --> 00:04:36.200 professional world, but it's really bled into everyone's personal life 00:04:36.200 --> 00:04:38.630 because we're all so technology minded. 00:04:38.630 --> 00:04:43.700 We all are looking for ways to be more efficient and have all of our information 00:04:43.700 --> 00:04:46.350 in our phones and on our computers. 00:04:46.350 --> 00:04:50.025 And while it has made our lives I think better. 00:04:50.345 --> 00:04:53.285 And I don't think most people would argue with that. 00:04:53.335 --> 00:04:57.895 In terms of efficiency, it has opened ourselves up from a personal perspective 00:04:57.895 --> 00:05:01.735 of not having the tech guy, your mom is very lucky to have someone like 00:05:01.735 --> 00:05:05.515 you to be able to call at the drop of a hat and say, Dan, what do I do? 00:05:05.515 --> 00:05:08.370 But are the scams that you're seeing? 00:05:08.740 --> 00:05:12.040 And let's maybe start with the senior population. 00:05:12.140 --> 00:05:16.190 In terms of what people are dealing with, I'll just tell you quickly that I was 00:05:16.190 --> 00:05:21.860 a victim of a cybersecurity issue where someone somehow got a hold of my social 00:05:21.860 --> 00:05:27.140 security number and filed an unemployment claim, and I had packages apparently 00:05:27.140 --> 00:05:30.410 being delivered everywhere, and there were four credit cards open in my name. 00:05:30.410 --> 00:05:34.450 But are you seeing any particular trends that are being 00:05:34.450 --> 00:05:36.370 perpetrated against seniors? 00:05:37.960 --> 00:05:40.850 Daniel Krutoy: Yeah, I'd say seniors specifically that you've probably heard 00:05:40.850 --> 00:05:43.770 in the news, there's scenarios where they get a phone call saying, one of 00:05:43.770 --> 00:05:48.075 your children is in jail and you need to wire this money to get them out or they 00:05:48.075 --> 00:05:52.285 get texts to their phone saying, here's a UPS delivery, you need to confirm your 00:05:52.285 --> 00:05:54.235 password so that it gets to your home. 00:05:54.545 --> 00:05:55.055 And things like that. 00:05:55.055 --> 00:05:58.335 Things that you know, look like day-to-day scenarios that 00:05:58.335 --> 00:05:59.835 they may not be educated on. 00:05:59.865 --> 00:06:02.970 And it happens in the moment and you don't really have time to think about 00:06:03.285 --> 00:06:04.965 it, is where they're targeting it. 00:06:05.065 --> 00:06:09.905 And social engineering is like a buzz term in the industry because of technology. 00:06:09.965 --> 00:06:11.915 Information is available everywhere, right? 00:06:11.915 --> 00:06:15.525 So if I Google someone's first and last name, I can find their address, 00:06:15.525 --> 00:06:19.245 I can find their phone number, I can find so much information about them. 00:06:19.555 --> 00:06:21.865 And what they do is they use that as an opportunity to learn. 00:06:22.465 --> 00:06:23.485 What are their tendencies? 00:06:23.485 --> 00:06:26.095 What day of the week or what day of the month do they pay their bills? 00:06:26.095 --> 00:06:30.085 What once they get into their systems, it's not a matter of if it's when, right? 00:06:30.085 --> 00:06:33.055 So a lot of times we hear about attacks that have happened and 00:06:33.055 --> 00:06:34.495 it happened on, a certain day. 00:06:34.495 --> 00:06:37.225 They've been in the system for like six months just watching 00:06:37.225 --> 00:06:40.345 what you're doing because they wanna understand the tendencies. 00:06:40.350 --> 00:06:41.310 That's what's happening. 00:06:41.350 --> 00:06:44.890 And also you've probably heard of solutions like software as a service 00:06:44.890 --> 00:06:47.990 or hardware as a service where you can pay, it's an operating expense where you 00:06:47.990 --> 00:06:50.020 could pay for solutions for a business. 00:06:50.020 --> 00:06:54.560 There's now cyber security hacking as a service, so a bad actor can go 00:06:54.560 --> 00:06:59.120 online and for minimal amount of money they can buy a piece of software or a 00:06:59.120 --> 00:07:04.390 package or a tool that empowers them to go out and, go after people, right? 00:07:04.390 --> 00:07:05.320 It's a numbers game. 00:07:05.320 --> 00:07:09.130 If they send out this campaign or whatnot to thousands of people, 00:07:09.130 --> 00:07:12.530 all it takes is one to click on it and now you're in trouble. 00:07:12.665 --> 00:07:13.085 Candace Dellacona: Yeah. 00:07:13.085 --> 00:07:16.505 So when you talk about social engineering you're essentially saying these bad 00:07:16.505 --> 00:07:24.225 actors are mining our social media profiles to get information on us. 00:07:24.225 --> 00:07:24.340 Is that it? 00:07:25.015 --> 00:07:25.855 Daniel Krutoy: That's exactly it. 00:07:25.885 --> 00:07:27.295 You've also heard in the news, right? 00:07:27.295 --> 00:07:31.045 Facebook was selling people's information and all of these other websites. 00:07:31.050 --> 00:07:33.965 Now, when you go on any website, they ask you about cookies and do 00:07:33.965 --> 00:07:36.905 you have to accept or you can't move forward until you accept a 00:07:36.905 --> 00:07:39.525 certain amount of data to be allowed. 00:07:39.525 --> 00:07:41.205 That's how these websites make money. 00:07:41.205 --> 00:07:45.265 They sell your data to all these third party, broker sites or 00:07:45.265 --> 00:07:49.185 whatnot, that now, it's used for marketing tools, but it's also used 00:07:49.185 --> 00:07:51.235 for, bad activities, so to speak. 00:07:51.285 --> 00:07:52.395 Yeah, that's exactly it. 00:07:52.395 --> 00:07:54.825 When you're on Facebook, when you're on Instagram, when you're on social 00:07:54.825 --> 00:07:58.675 media, when you're shopping online, all your information is now out there. 00:07:59.180 --> 00:08:02.610 And at some point it's gonna eventually be available to somebody 00:08:02.610 --> 00:08:03.600 that wants to do something. 00:08:04.300 --> 00:08:06.570 Candace Dellacona: And look, we all like to be connected through 00:08:06.570 --> 00:08:10.440 social media, whether it's, Facebook or Instagram or what have you. 00:08:10.470 --> 00:08:15.190 But let's talk specifically about the social media profiles and I 00:08:15.190 --> 00:08:19.600 think most of the listeners would agree that most people feel that they 00:08:19.600 --> 00:08:24.250 enjoy that part of connectivity with their loved ones or their friends 00:08:24.250 --> 00:08:25.990 that perhaps don't live close by. 00:08:25.990 --> 00:08:29.900 And, maybe for this, the home bound seniors, that's a way that they can 00:08:29.900 --> 00:08:33.775 keep up with their grandkids or keep up with family members who live across 00:08:33.840 --> 00:08:35.340 the country or out of the country. 00:08:35.640 --> 00:08:40.680 So how would you suggest just taking it from a social media perspective? 00:08:41.675 --> 00:08:47.475 That you would come in and help a client, quote unquote clean up what's 00:08:47.475 --> 00:08:52.215 in their social media profile to give less opportunity to those bad actors. 00:08:52.215 --> 00:08:53.415 What are the tips for us? 00:08:53.975 --> 00:08:54.305 Daniel Krutoy: Sure. 00:08:54.335 --> 00:08:54.755 It's hard to say. 00:08:55.150 --> 00:08:58.040 But I think the common knowledge around it is, the less 00:08:58.040 --> 00:08:59.210 information, the better, right? 00:08:59.210 --> 00:09:02.090 If you wanna post a picture of something, that's great, but when you 00:09:02.090 --> 00:09:05.690 post a picture of something and where you are and what you're doing right, 00:09:05.690 --> 00:09:09.800 that gives people kind of an idea of, oh, they're in Cancun this week. 00:09:09.800 --> 00:09:10.880 That means they're not home. 00:09:10.880 --> 00:09:13.740 And I can Google this person's address and next thing you know, 00:09:13.740 --> 00:09:14.820 there's theft at they're home. 00:09:14.825 --> 00:09:16.055 It's a double-edged sword, right? 00:09:16.055 --> 00:09:19.135 You use social media because you wanna socialize and you wanna share 00:09:19.165 --> 00:09:20.485 what's happening in your world. 00:09:20.845 --> 00:09:24.505 But people also use that against you because now you're sharing a little 00:09:24.505 --> 00:09:28.385 bit too much information that they otherwise would've not known is happening. 00:09:28.405 --> 00:09:29.515 There's two aspects of it, right? 00:09:29.515 --> 00:09:32.800 You can secure your data and your information, right? 00:09:32.800 --> 00:09:36.070 You don't want somebody going into your Instagram account and hacking 00:09:36.070 --> 00:09:38.740 it and then sending things there so that you can do that's, put 00:09:38.740 --> 00:09:40.390 multifactor authentication on it. 00:09:40.700 --> 00:09:44.000 Make a complex password, change your password every six months, 00:09:44.000 --> 00:09:47.630 because a lot of people use the same passwords for multiple platforms. 00:09:47.630 --> 00:09:50.330 So if they get into one system, they're most likely gonna 00:09:50.330 --> 00:09:51.230 try all the other systems. 00:09:52.235 --> 00:09:56.565 So while that's a bit of a nuisance but it takes 10 seconds versus if someone 00:09:56.565 --> 00:09:59.475 hacked into your account, now you're spending countless hours trying to 00:09:59.475 --> 00:10:00.825 get back into it or things like that. 00:10:00.825 --> 00:10:02.585 So that's the data aspect of it. 00:10:02.615 --> 00:10:06.895 But now the social kind of engineering that we talked about it is, that's really 00:10:06.935 --> 00:10:09.425 a conscious decision on the individual. 00:10:09.425 --> 00:10:13.715 How much information do you really wanna give that you're, traveling somewhere 00:10:13.715 --> 00:10:17.435 or that you're doing something or that you bought a new piece of jewelry and 00:10:17.435 --> 00:10:20.135 you'll see random things of people sharing things that they're doing. 00:10:20.565 --> 00:10:22.590 And that's really that's up to that, the individual. 00:10:23.685 --> 00:10:25.105 Candace Dellacona: Yeah, I think that a lot of people 00:10:25.105 --> 00:10:26.635 struggle with that in general. 00:10:26.685 --> 00:10:31.335 And I think that, oftentimes we think of the outside world in ways that why 00:10:31.335 --> 00:10:32.955 would anybody care what I'm doing? 00:10:32.955 --> 00:10:36.015 I couldn't possibly be the one to be hacked. 00:10:36.435 --> 00:10:41.075 And having gone through it it definitely was a wake up call for me. 00:10:41.385 --> 00:10:46.240 And I will also add, that the tagging of other people, I think should 00:10:46.240 --> 00:10:48.340 be thought about with some care. 00:10:48.700 --> 00:10:52.780 A because other people might not want to be tagged in a particular 00:10:52.780 --> 00:10:54.910 location or at a particular event. 00:10:55.270 --> 00:10:59.720 But I think, based on the situation that you bring up where the phone call 00:10:59.720 --> 00:11:04.610 comes in for the senior and it's, the caller on the other end is saying, your 00:11:04.610 --> 00:11:08.330 grandchild is in jail and they know your grandchild's name because you've 00:11:08.330 --> 00:11:11.000 mentioned them and the social media post. 00:11:11.050 --> 00:11:13.270 It is a hard lesson to, to learn. 00:11:13.300 --> 00:11:17.060 And there is a tension there between the connectivity and, feeling 00:11:17.060 --> 00:11:21.700 like you're up on the events of your loved ones and your friends. 00:11:21.950 --> 00:11:25.190 And also being mindful that unfortunately there could be people lurking in 00:11:25.190 --> 00:11:30.060 the background that perhaps don't have your best intentions at heart. 00:11:30.640 --> 00:11:35.110 When you think about cybersecurity for those who are in that older 00:11:35.110 --> 00:11:39.370 generation, and you talked about your mom, so not clicking on things 00:11:39.370 --> 00:11:41.440 is one of your words of wisdom. 00:11:41.440 --> 00:11:42.400 And I think that's a good one. 00:11:42.400 --> 00:11:45.610 I've also been guilty of doing that once in a while, being distracted 00:11:45.610 --> 00:11:52.840 and just trying to multitask what are the other things that as children of 00:11:52.900 --> 00:11:58.020 the older generation or the nieces, nephews, the quote younger for those 00:11:58.020 --> 00:12:03.770 of us in the middle, how can we set our parents up in such a way to protect 00:12:03.950 --> 00:12:07.600 them even if they're out on, social media and they're posting things. 00:12:07.600 --> 00:12:12.000 What are the things that you share with your older clients as it 00:12:12.000 --> 00:12:14.550 relates to their own cybersecurity? 00:12:15.210 --> 00:12:15.540 Daniel Krutoy: Yeah. 00:12:15.580 --> 00:12:19.620 Great question, and I'd go back to the core function of it is education. 00:12:19.650 --> 00:12:22.890 You gotta educate them on what they're exposing themselves 00:12:22.890 --> 00:12:24.180 to by doing all these things. 00:12:24.180 --> 00:12:26.250 So I'll give a perfect example. 00:12:26.250 --> 00:12:28.770 I'm sure everyone you speak to in the older generations like, 00:12:29.250 --> 00:12:33.030 AI this thing is coming and I'm definitely not touching, I'm not 00:12:33.030 --> 00:12:34.410 getting involved, yada, yada, yada. 00:12:34.410 --> 00:12:36.390 But next thing you know, they're using Waze, right? 00:12:36.390 --> 00:12:38.605 Waze is their GPS and that's AI. 00:12:38.635 --> 00:12:42.385 They're using AI and then they say, alright, fine. 00:12:42.385 --> 00:12:43.105 That's not a big deal. 00:12:43.105 --> 00:12:46.345 And then they log into their bank account and they're doing facial recognition. 00:12:46.925 --> 00:12:50.285 That's part of AI and that's part of biometrics and technology 00:12:50.285 --> 00:12:51.455 and all these different things. 00:12:51.785 --> 00:12:54.665 So whether you like it or not, or whether you wanna accept it or not, 00:12:55.325 --> 00:12:58.865 all these different technologies that are available to you and that you're 00:12:58.965 --> 00:13:03.265 playing with are have some form of all these new things that are involved. 00:13:03.265 --> 00:13:04.645 So you have to educate them on it. 00:13:04.715 --> 00:13:09.185 The other thing I would say is, sit down with them and every single app 00:13:09.185 --> 00:13:12.425 that you use or your iPhone or things like that, you have to really drill 00:13:12.425 --> 00:13:17.235 into the settings and the cyber and security aspects of it, right? 00:13:17.235 --> 00:13:21.225 Because it's not just one button on or off, like, Hey, I want cookies, or, 00:13:21.225 --> 00:13:22.515 Hey, I don't wanna share my information. 00:13:22.755 --> 00:13:26.845 There's so many different settings, like location like tracking your 00:13:26.895 --> 00:13:28.185 information, all that other stuff. 00:13:28.185 --> 00:13:31.825 So sitting down with them and, if they're using Facebook, go through 00:13:31.825 --> 00:13:35.645 all the Facebook settings and one by one, go through all these. 00:13:35.645 --> 00:13:36.545 Do you wanna turn this on? 00:13:36.545 --> 00:13:37.205 Turn this off. 00:13:37.580 --> 00:13:39.110 That helps from that standpoint. 00:13:39.420 --> 00:13:43.390 Someone shared with me Gmail recently was exposed or information was 00:13:43.400 --> 00:13:46.910 shared that you have to go into Gmail and turn off a bunch of settings. 00:13:46.910 --> 00:13:49.950 Otherwise they're gonna share all of your, personal information as well. 00:13:49.950 --> 00:13:54.620 So, educating them staying up to date on the new threats that are out there. 00:13:54.620 --> 00:13:56.060 I think that's the number one thing. 00:13:56.370 --> 00:13:58.650 And then I'd say on a bare minimum, I mentioned this a little bit earlier, 00:13:58.650 --> 00:14:00.150 so multifactor authentication, 00:14:00.300 --> 00:14:00.540 Candace Dellacona: Yeah. 00:14:00.540 --> 00:14:05.015 Can you go into that a little bit about what multifactor authentication is for, 00:14:05.505 --> 00:14:06.775 a lot of people I think don't know that. 00:14:07.485 --> 00:14:07.815 Daniel Krutoy: Sure. 00:14:07.815 --> 00:14:10.665 So multifactor authentication's kind of the full terminology a lot. 00:14:10.665 --> 00:14:13.215 It also goes as 2FA or MFA. 00:14:13.245 --> 00:14:15.795 So two-factor authentication or multifactor authentication. 00:14:16.035 --> 00:14:20.255 So when you type in your password, if you don't have MFA turned on, then if 00:14:20.255 --> 00:14:23.675 somebody gets your password, they type it in from anywhere and then they can log in. 00:14:23.995 --> 00:14:27.955 What multifactor adds is that second element, that human element of, 00:14:28.195 --> 00:14:31.985 okay, I got your password, but now I need to authenticate a second way 00:14:31.985 --> 00:14:33.575 that requires human intervention. 00:14:33.575 --> 00:14:36.215 So let's say that bad actor stole your password. 00:14:36.465 --> 00:14:39.575 You're located in New York and they're logging in from, Russia. 00:14:40.005 --> 00:14:42.885 They need your phone or they need that code to be able 00:14:42.885 --> 00:14:44.505 to go into it to get there. 00:14:44.755 --> 00:14:47.515 Or there's other methods to just have that second factor. 00:14:47.515 --> 00:14:51.155 So turning that on and you'll see majority of the websites, like banks and 00:14:51.155 --> 00:14:54.125 whatnot, they required at this point, you can't even turn that feature off 00:14:54.395 --> 00:14:58.645 because, over 90% of breaches are because of password compromise and someone 00:14:58.645 --> 00:14:59.995 let somebody in through the back door. 00:14:59.995 --> 00:15:03.360 So, I'd say make sure that that's turned on for everything, and 00:15:03.360 --> 00:15:04.650 that helps a lot of the ways. 00:15:05.080 --> 00:15:07.990 And then the awareness that I mentioned, just making sure they're educated on, if 00:15:07.990 --> 00:15:12.270 something doesn't look right just call, call your grandson or your daughter or 00:15:12.270 --> 00:15:14.560 whoever and ask them did you send me this? 00:15:14.560 --> 00:15:15.820 Or should I click on this? 00:15:15.820 --> 00:15:16.660 Should I open this? 00:15:16.660 --> 00:15:17.770 And it's links. 00:15:17.770 --> 00:15:19.600 Don't click on links that you're not familiar with. 00:15:19.600 --> 00:15:21.945 Even attachments can have, some kind of thread in it. 00:15:23.040 --> 00:15:26.910 Even if it's from somebody that you know, that person could have been compromised. 00:15:26.910 --> 00:15:30.930 And what they do is a trickle down effect is they try to compromise everyone 00:15:30.930 --> 00:15:32.520 within that person's contact list. 00:15:32.520 --> 00:15:33.510 So then they send a link. 00:15:33.510 --> 00:15:35.640 So you have to be careful no matter what. 00:15:35.980 --> 00:15:39.220 And then as part of phishing campaigns it's very simple to, 00:15:39.580 --> 00:15:43.720 change one letter or one digit in someone's email address, right? 00:15:43.720 --> 00:15:47.640 So, if you have Candace in your email instead of an E, sometimes they put 00:15:47.640 --> 00:15:49.420 a three at the end of your name. 00:15:49.420 --> 00:15:51.590 Or let's say you own a .com, 00:15:51.640 --> 00:15:53.080 they can change the Gmail. 00:15:53.300 --> 00:15:55.970 Obviously that's a bigger one, but they could change an I 00:15:55.970 --> 00:15:57.500 to a one or things like that. 00:15:57.500 --> 00:15:59.750 So they try to manipulate you in different ways. 00:15:59.750 --> 00:16:02.480 So it's really just trying to be aware as much as possible. 00:16:02.830 --> 00:16:04.720 Candace Dellacona: As with any sandwich generation issue, I 00:16:04.720 --> 00:16:06.500 think, communication is really key. 00:16:06.500 --> 00:16:11.450 And as we embark on this holiday season, you bring up a really good bit of advice, 00:16:11.450 --> 00:16:15.800 Dan, which is to sit down with your aging loved one and go through their phone 00:16:15.800 --> 00:16:20.700 with them and really take a look at the settings on every app that they have. 00:16:22.035 --> 00:16:27.105 And it sounds like there is a way to go through and make sure that the app 00:16:27.105 --> 00:16:32.385 isn't tracking and that there is only necessary cookies and things like that. 00:16:32.385 --> 00:16:37.555 I think as a novice myself, I didn't actually realize that the cookies 00:16:37.555 --> 00:16:41.355 request was not only for marketing, but also to sell your information. 00:16:41.355 --> 00:16:44.595 I really did think it was just for marketing purposes. 00:16:44.785 --> 00:16:47.865 I'm proud to say that I always say no, but you're right. 00:16:47.865 --> 00:16:52.025 Like even these little sort of subtle click and dialogue boxes 00:16:52.025 --> 00:16:55.535 that come up, we all have a tendency to just kind of rush through them. 00:16:55.535 --> 00:16:59.825 So slowing down, taking a look at the phone, looking at the settings 00:16:59.825 --> 00:17:03.245 with your loved one, and having the conversation about not clicking. 00:17:03.815 --> 00:17:09.590 And I think that leads us to the next generation, which is okay now our kids, 00:17:09.640 --> 00:17:14.320 where in many cases, maybe not yours, but our kids are more technologically 00:17:14.320 --> 00:17:17.270 savvy than a lot of the parents. 00:17:17.270 --> 00:17:24.000 So can you talk about what you've seen in terms of, influences and things that we 00:17:24.000 --> 00:17:31.490 should be looking out for or tips that you can provide for parents looking to secure 00:17:31.520 --> 00:17:34.370 their children in the world of technology? 00:17:34.915 --> 00:17:37.325 Daniel Krutoy: That opens up a whole other can of worms, right? 00:17:37.325 --> 00:17:39.095 It, once again, it becomes a choice. 00:17:39.125 --> 00:17:42.815 And the challenge is, I'm a parent of a 9-year-old and a 7-year-old, 00:17:42.815 --> 00:17:45.585 and the conversations are already starting of, when can I get a 00:17:45.585 --> 00:17:46.785 phone or can I have a phone? 00:17:46.785 --> 00:17:50.235 And you have the holiday season coming up and birthdays and it's tough, right? 00:17:50.235 --> 00:17:53.385 Because it's not just the individual conversation between you and your 00:17:53.385 --> 00:17:58.005 child, it's also, the peer pressure of, I'm in school and some parents 00:17:58.005 --> 00:18:00.915 allow kids to have phones at a certain age and some parents don't. 00:18:01.320 --> 00:18:04.170 And now you're fighting two different battles of that. 00:18:04.170 --> 00:18:07.630 So I don't want to go down the road of, what's right or wrong. 00:18:07.630 --> 00:18:09.220 'Cause there is no right or wrong answer. 00:18:09.520 --> 00:18:14.830 But what I would say is back to a similar answer for the elderly is if you do get 00:18:14.830 --> 00:18:18.460 a phone for your child, Apple and iPhone, I could speak to that specifically. 00:18:18.460 --> 00:18:21.030 I'm not a big Samsung or Android phone user. 00:18:21.070 --> 00:18:22.820 I'm sure they have similar settings. 00:18:22.820 --> 00:18:26.210 You have sort of that parent child mode. 00:18:26.460 --> 00:18:29.550 And we actually did use that when we did send my kids away to camp and 00:18:29.550 --> 00:18:30.840 they were gone for the entire day. 00:18:31.845 --> 00:18:34.695 We did want to track them, we did want to be able to communicate with them. 00:18:34.995 --> 00:18:38.175 We were able to lock the phone down completely so that they could only 00:18:38.445 --> 00:18:42.165 send and received phone calls and texts from people in the contact list. 00:18:42.165 --> 00:18:44.865 So myself, my wife, grandparents and whatnot. 00:18:45.205 --> 00:18:48.175 So if anyone tried to contact them from the outside, it wouldn't go through. 00:18:48.575 --> 00:18:52.095 And then also if they were communicating, with a grandparent, 00:18:52.095 --> 00:18:53.775 I could also see that text as well. 00:18:53.775 --> 00:18:56.625 So let's say, God forbid a grandparent's phone was stolen 00:18:56.625 --> 00:18:58.935 and now you're communicating with a child, you're at least seeing 00:18:59.595 --> 00:19:00.825 everything that's coming through. 00:19:01.195 --> 00:19:04.675 And it allows you to, authorize any apps that they download, right? 00:19:04.675 --> 00:19:07.045 If they want to play a game, you have to approve it. 00:19:07.045 --> 00:19:10.595 If they want to go to a website it's locked down by default. 00:19:10.595 --> 00:19:13.635 You may wanna open up a certain link that they can go to. 00:19:13.635 --> 00:19:17.415 So Apple definitely has all of those features that you can employ. 00:19:17.790 --> 00:19:21.640 Candace Dellacona: And that's amazing because as a parent of older kids to 00:19:21.640 --> 00:19:26.230 my knowledge that was not available all the years ago when my kids got a phone. 00:19:26.230 --> 00:19:29.140 I mean, certainly the rule in our house and as you point 00:19:29.140 --> 00:19:30.310 out, there is no right way. 00:19:30.310 --> 00:19:34.320 So, I don't wanna get any emails about, my way is definitely not the right way. 00:19:34.320 --> 00:19:37.740 It was just worked for my family is we would take the phones often at night. 00:19:38.170 --> 00:19:41.990 And plug them in and certain things were not private in our house. 00:19:41.990 --> 00:19:45.080 And so that was sort of the way, it was like maybe the old fashioned way 00:19:45.080 --> 00:19:48.140 of going through things, but I didn't realize that there was an actual 00:19:48.140 --> 00:19:54.350 setting with certain providers that would allow that kind of ability to 00:19:54.350 --> 00:19:56.390 put a protection around your kids. 00:19:56.790 --> 00:19:58.650 So the phone is one thing. 00:19:59.010 --> 00:20:01.530 What about being on the computer? 00:20:01.530 --> 00:20:06.150 Are there similar settings, Dan, that you recommend in your house where you 00:20:06.150 --> 00:20:11.220 say, okay, the kids can do X, Y, and Z, and how do you go about doing that? 00:20:11.885 --> 00:20:14.615 Daniel Krutoy: So whole other challenge and something that comes up all the time. 00:20:14.615 --> 00:20:18.745 My kids personally get Chromebooks through their school that allows them to, they 00:20:18.745 --> 00:20:22.615 use it in the classrooms for, various activities and learning and whatnot. 00:20:22.885 --> 00:20:26.835 And for the most part it's locked down, so they can't really do too much outside 00:20:26.835 --> 00:20:28.485 of what that platform is allowed. 00:20:28.845 --> 00:20:31.895 But without speaking with too much knowledge, I hear my son and some of 00:20:31.895 --> 00:20:32.855 his friends talking about, there's. 00:20:33.510 --> 00:20:38.050 VPNs and special ways that they try to work around and try to get to certain 00:20:38.050 --> 00:20:42.020 websites outside of just the ecosystem that the Chromebook has allowed. 00:20:42.380 --> 00:20:44.900 So I think once again, awareness and watching what 00:20:44.900 --> 00:20:46.100 they do it, it's tough, right? 00:20:46.160 --> 00:20:49.760 You can't sit there and watch every single moment that while you are working and 00:20:49.760 --> 00:20:52.205 maybe they're on their Chromebook and have a certain amount of screen time. 00:20:52.985 --> 00:20:56.285 Making sure that it's locked down and making sure that you're observing. 00:20:56.285 --> 00:20:58.355 So when they're done for the day, like you mentioned, you would take 00:20:58.355 --> 00:20:59.735 your kid's phone and charge them. 00:20:59.940 --> 00:21:02.560 You have the ability to go in and look at the history if they went 00:21:02.560 --> 00:21:05.960 to certain websites or getting redirected to certain websites. 00:21:05.960 --> 00:21:08.150 But that's the school version of it. 00:21:08.420 --> 00:21:11.640 If you have personal devices, the one thing I would definitely say is, work 00:21:11.640 --> 00:21:15.760 computers should be completely separate from, personal computers because 00:21:16.315 --> 00:21:17.725 there's a line of delineation there. 00:21:17.725 --> 00:21:19.345 You don't want to mix and match, but it's hard. 00:21:19.345 --> 00:21:23.245 I know it happens and a lot of companies actually employ, bring your own device, so 00:21:23.245 --> 00:21:25.445 you can't really stop that from happening. 00:21:25.445 --> 00:21:28.175 But if I could give you a best practice or recommendation, I 00:21:28.175 --> 00:21:31.035 would say your work computers, your work computer, your personal 00:21:31.035 --> 00:21:32.265 computers, your personal computer. 00:21:32.265 --> 00:21:34.360 And I'm not saying you can't shop on Amazon. 00:21:34.455 --> 00:21:38.415 I'm not saying you can't go on websites, but if your kids are gonna be using it and 00:21:38.415 --> 00:21:41.745 they're gonna be going to certain games and gaming sites and things like that, 00:21:42.165 --> 00:21:43.575 you just don't want to take that risk. 00:21:44.175 --> 00:21:47.935 So if you do have that device where they're using it just for personal 00:21:47.935 --> 00:21:51.385 use, there are settings in there for sure that you can lock it down and 00:21:51.635 --> 00:21:55.085 windows or Apple allows you to say, all right, this is a child of this 00:21:55.085 --> 00:21:59.645 age and there's a bunch of options you can toggle to say, certain category 00:21:59.645 --> 00:22:01.625 websites they definitely can't go to. 00:22:01.905 --> 00:22:03.945 Or they predefine them for you. 00:22:03.945 --> 00:22:06.765 If they're within a certain age range, they can go to certain websites. 00:22:07.065 --> 00:22:11.535 And then it's up to you as a parent if you want to granularly say, all right, this 00:22:11.535 --> 00:22:13.030 site's okay, but that site is not okay. 00:22:13.692 --> 00:22:17.052 Candace Dellacona: No, I love that there is the infrastructure already that sort 00:22:17.052 --> 00:22:22.092 of set forth within the technology, whether it's, Apple or Android, that 00:22:22.092 --> 00:22:24.432 you do have the ability to reign it in. 00:22:24.692 --> 00:22:28.802 I think you probably have seen the news that Australia, I think is the 00:22:28.802 --> 00:22:34.847 first country that has now locked down social media sites for kids under 00:22:34.847 --> 00:22:37.077 16, which, I think is pretty bold. 00:22:37.147 --> 00:22:39.727 And I really admire the intention behind it. 00:22:39.727 --> 00:22:43.867 It'll be interesting to see if it is able to be enforced and if something 00:22:43.867 --> 00:22:45.487 like that is possible in our country. 00:22:45.487 --> 00:22:52.857 But until then, having the mechanism in the device to try to control those 00:22:52.857 --> 00:22:57.787 outside features, so that you can protect your kids or your elderly 00:22:57.877 --> 00:22:59.947 loved ones as much as possible. 00:23:00.207 --> 00:23:05.827 I guess my final question for you is, let's say, the horse is out of the barn, 00:23:05.827 --> 00:23:07.867 as they say, and you have been hacked. 00:23:08.237 --> 00:23:13.367 What are the measures that you recommend as an IT professional to 00:23:13.367 --> 00:23:18.107 try to repair and set yourself up for success so that it doesn't happen again? 00:23:18.677 --> 00:23:19.067 Daniel Krutoy: Sure. 00:23:19.117 --> 00:23:20.917 I guess there's a couple parts to this question. 00:23:20.967 --> 00:23:23.367 From a business perspective, if we're looking at it, if something, 00:23:23.367 --> 00:23:26.307 a compromise has happened, let's say to a computer, first thing you do, 00:23:26.307 --> 00:23:27.807 unplug it from the internet, right? 00:23:27.807 --> 00:23:30.397 Get it offline so it doesn't spread any further. 00:23:30.427 --> 00:23:33.157 If it's an account, like a user account email account or 00:23:33.157 --> 00:23:34.237 something that you log in with. 00:23:34.637 --> 00:23:36.617 Immediately try to secure that account. 00:23:36.617 --> 00:23:40.357 And when you say secure is change the password, make sure if you don't 00:23:40.357 --> 00:23:44.157 have multifactor put it on there or reset it so that it's just, locked in. 00:23:44.527 --> 00:23:46.377 From a personal standpoint same thing. 00:23:46.377 --> 00:23:48.507 If it's a computer, I would unplug it from the internet and 00:23:48.507 --> 00:23:50.127 isolate it from that standpoint. 00:23:50.427 --> 00:23:53.377 If it's your email accounts or some kind of login. 00:23:53.807 --> 00:23:56.207 First thing you need to do is change your password immediately. 00:23:56.447 --> 00:23:59.387 Even if it's like a randomly generated password of like 16 00:23:59.387 --> 00:24:00.977 characters with symbols and whatnot. 00:24:01.217 --> 00:24:02.837 Make it as complex as possible. 00:24:03.087 --> 00:24:05.667 A lot of these tools and systems when you go in, they have 00:24:05.667 --> 00:24:07.397 some kind of logging feature. 00:24:07.397 --> 00:24:11.607 So you want to see who's logged in or kick them out if you can or things like that. 00:24:11.607 --> 00:24:14.047 And then I would obviously call a professional. 00:24:14.077 --> 00:24:17.562 And when I say professional, it could be, a child, it could, or your son 00:24:17.562 --> 00:24:21.052 or daughter, I don't mean a little child, but someone that, has some tech 00:24:21.102 --> 00:24:23.497 background or ability and work with them. 00:24:23.497 --> 00:24:25.542 And then, yeah you basically have to find the root cause. 00:24:25.542 --> 00:24:27.732 Is it just isolated to my Facebook account? 00:24:27.732 --> 00:24:28.602 Is it my bank account? 00:24:29.607 --> 00:24:31.887 Once you figure that out, then you gotta make the phone calls 00:24:31.887 --> 00:24:35.337 to those places to make sure that it hasn't spread any further. 00:24:35.647 --> 00:24:38.917 Run scans on those machines with antivirus and whatnot. 00:24:39.307 --> 00:24:42.397 But if it's something bigger where it's financial impact or others, I would 00:24:42.397 --> 00:24:43.417 probably get a professional involved. 00:24:44.257 --> 00:24:46.117 Candace Dellacona: Yeah, I think that that's great advice. 00:24:46.197 --> 00:24:50.357 Look, as we said at the top of the episode, technology is pretty amazing 00:24:50.357 --> 00:24:55.847 because it can offer us efficiency, it can allow us to connect with people who aren't 00:24:56.207 --> 00:24:58.307 around the corner or in the same house. 00:24:58.307 --> 00:25:00.977 But there are also pitfalls that we have to be aware of. 00:25:01.627 --> 00:25:05.587 And as with most issues that we deal with, the sandwich generation, 00:25:05.827 --> 00:25:07.417 communication I think is key. 00:25:07.957 --> 00:25:12.067 So I'm really grateful for you sharing the inside scoop today. 00:25:12.067 --> 00:25:16.427 I know that you deal with many more complex things, so I appreciate 00:25:16.427 --> 00:25:19.967 you breaking down the simple things for our audience today. 00:25:20.237 --> 00:25:20.537 Daniel Krutoy: Yeah. 00:25:20.747 --> 00:25:24.437 And can I give one more piece with AI and someone actually mentioned this in 00:25:24.437 --> 00:25:26.877 one of the business groups, actually a similar group that you and I are in. 00:25:27.357 --> 00:25:31.227 That with AI, your voice recording within three seconds would be able 00:25:31.227 --> 00:25:35.402 to use that as a voice recognition for a multifactor authentication 00:25:35.402 --> 00:25:37.502 that allows you to unlock an account. 00:25:37.502 --> 00:25:39.182 And I think three minutes is what they said. 00:25:39.182 --> 00:25:43.172 If they record you for three minutes, they can basically replicate your voice 00:25:43.322 --> 00:25:46.237 to do a full conversation and whatnot. 00:25:46.237 --> 00:25:47.197 And that's just today. 00:25:47.197 --> 00:25:49.942 So imagine a year from now and further on. 00:25:49.942 --> 00:25:54.052 So not only to break into accounts, but those phone calls to the 00:25:54.052 --> 00:25:57.772 elderly, they can be using the voice of their child or grandchild 00:25:58.192 --> 00:25:59.692 saying, Hey, send me this money. 00:25:59.692 --> 00:26:02.932 And that's a really scary thing and I don't know what the right answer 00:26:02.932 --> 00:26:04.552 is today, but I'll leave you at that. 00:26:04.572 --> 00:26:07.542 Candace Dellacona: Yeah, So thanks for leaving us with the most frightening 00:26:07.542 --> 00:26:11.872 thing I've heard in a really long time, and particularly because, as a podcaster, 00:26:11.872 --> 00:26:15.102 I think my voice is out there, i'm gonna end up having to hire your company 00:26:15.102 --> 00:26:16.632 when something like this happens again. 00:26:16.632 --> 00:26:21.172 But, I'm really grateful for all of your advice and even if it's troubling 00:26:21.482 --> 00:26:24.482 to know what's out there, I think half the battle is knowing what's out there 00:26:24.482 --> 00:26:25.652 so that we can protect ourselves. 00:26:25.652 --> 00:26:28.172 So thank you so much, Dan, for joining us today. 00:26:28.632 --> 00:26:31.092 And all of your contact information will be in our show 00:26:31.092 --> 00:26:32.452 notes for all of our listeners. 00:26:32.452 --> 00:26:33.142 Thanks everyone. 00:26:33.272 --> 00:26:34.212 Daniel Krutoy: It was great to be here. 00:26:34.212 --> 00:26:34.652 Thanks so much.