Thank you, sincerely, for the really great responses. God bless. John H. *John Humphries*
On Sun, Apr 30, 2017 at 10:06 PM, ANDREW ARNOLD <andyarno...@mac.com> wrote: > Hi John, > > There is some good news. The regulators are examining changing some rules > that give us financial advisors a little more discretion in helping out > with clients who may be targets for cyber- or other criminals. In the past, > we would have to act immediately upon instructions to liquidate securities > and send funds. It appears we may be given more latitude to delay the > disbursement of funds if we suspect a vulnerable client is at risk. We may > also contact close relatives, or take other steps to help protect assets. > As a Fiduciary, I would visit a client in a facility and/or work closely > with family members to make sure funds were not being hijacked by outside > predators, if need be. > > We do live in crazy times, and there are no sure fire ways, as you > suggest, but here are a few to consider: > > - Make sure you are working with a Fiduciary, not a broker/dealer > - Always call with instructions, never rely on email. > - Ask your banking and financial companies how they would handle requests > to distribute funds and make sure they have an emergency contact > person/number on file > - Never click on a link in an email you were not already expecting > - I never answer my home phone any longer. I let it go to VM and only call > back if I need to > - Never give your credit card number to a stranger who calls you on the > phone > > Hope this helps! > > > Andy > > On Apr 30, 2017, at 12:00 PM, macgroup-requ...@erdos.math.louisville.edu > wrote: > > Send MacGroup mailing list submissions to > macgroup@erdos.math.louisville.edu > > To subscribe or unsubscribe via the World Wide Web, visit > http://www.math.louisville.edu/mailman/listinfo/macgroup > or, via email, send a message with subject or body 'help' to > macgroup-requ...@erdos.math.louisville.edu > > You can reach the person managing the list at > macgroup-ow...@erdos.math.louisville.edu > > When replying, please edit your Subject line so it is more specific > than "Re: Contents of MacGroup digest..." > Today's Topics: > > 1. Re: Blind Trust In Email Could Cost You Your Home (John Humphries) > 2. An Amazing 24 Minute Video (John Robinson) > > *From: *John Humphries <johnedna2...@gmail.com> > *Subject: **Re: [MacGroup] Blind Trust In Email Could Cost You Your Home* > *Date: *April 29, 2017 at 12:07:24 PM EDT > *To: *Topics related to Apple and Macintosh computers < > macgroup@erdos.math.louisville.edu> > *Reply-To: *Topics related to Apple and Macintosh computers < > macgroup@erdos.math.louisville.edu> > > > Great advice for all of us to heed. > The sad thing, though, is that some of us are moving on in years and > perhaps not always thinking clearly. I will be 80 this year for example. > There are predators (email and phone) that will take advantage of the > elderly. > I wish there were sure fire ways for banks, etc.to protect their elderly > account holders to avoid such fraud. Perhaps requiring two or more to > confirm a transaction? > I get emails and phone calls from obvious predators from some foreign > place every now and then. > > *John Humphries* > > > On Sat, Apr 29, 2017 at 10:38 AM, ANDREW ARNOLD <andyarno...@mac.com> > wrote: > >> I own a financial services firm and we would never act on wiring or >> distribution instructions contained in an email, from a client, realtor, >> bank, etc. We would always pick up the phone and call our client. We >> usually recognize their voices. If we didn’t, we would use several forms of >> verifying their ID, including asking questions no cyber criminal would >> know, “When is your anniversary?”, “What year did we agree upon in your >> financial plan as a retirement date?”, “Tell me again where you said your >> son was doing his internship?”, “what year did we meet, and who referred >> you to me?” >> >> We repeat any instructions provided to us, asking our client to >> carefully verify the routing numbers and banking info. They must sign a >> Letter of Authorization, and their signature is compared to those on file >> previously. >> >> This stuff is very scary, we are paranoid about it, We are seeing >> increased attempts at accessing Non Public Info (NPI) by cybercriminals. >> Frankly, we would never trust an email, no matter how secure it appears to >> be, no matter what form of encryption was used. I don’t care if the email >> comes from the Pope, or Greater Deity, we are never going to send funds >> without proper vetting. When it comes to distributing funds, multiple >> levels of verification are necessary, and picking up the phone and dialing >> a real person is the best form of analog verification. >> >> You can be proactive on your end too. Never just email instructions to a >> financial institution. Take them in personally, mail them, call (and then >> use email to back up those other methods), but DON’T RELY ON EMAIL to >> conduct sensitive financial transactions…. Slow down, never be in a hurry, >> and double check and double verify everything! >> >> Andy >> >> >> On Apr 29, 2017, at 10:05 AM, macgroup-requ...@erdos.math.louisville.edu >> wrote: >> >> Blind Trust In Email Could Cost You Your Home >> >> >> >> _______________________________________________ >> MacGroup mailing list >> Posting address: MacGroup@erdos.math.louisville.edu >> Archive: <http://www.mail-archive.com/macgroup@erdos.math.louisville.edu/ >> > >> Answers to questions: <http://erdos.math.louisville.edu/macgroup/> >> > > > > > *From: *John Robinson <profilecoven...@me.com> > *Subject: **[MacGroup] An Amazing 24 Minute Video* > *Date: *April 29, 2017 at 12:43:47 PM EDT > *To: *Topics related to Apple and Macintosh computers < > macgroup@erdos.math.louisville.edu> > *Reply-To: *Topics related to Apple and Macintosh computers < > macgroup@erdos.math.louisville.edu> > > > > The madness behind the numbers, this is an amazing assessment….you will > want to take 24 minutes to see if you agree. > > John > > > > > > https://www.youtube.com/watch?v=3MOwRTTq1bY&app=desktop > > > MacGroup mailing list > Posting address: MacGroup@erdos.math.louisville.edu > Archive: <http://www.mail-archive.com/macgroup@erdos.math.louisville.edu/> > Answers to questions: <http://erdos.math.louisville.edu/macgroup/> > > > > _______________________________________________ > MacGroup mailing list > Posting address: MacGroup@erdos.math.louisville.edu > Archive: <http://www.mail-archive.com/macgroup@erdos.math.louisville.edu/> > Answers to questions: <http://erdos.math.louisville.edu/macgroup/> >
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