Credit Card scam !!!

 

Well, I woke up to this scam this morning, I got a call from a '780' area code, and upon answering, was confronted with a recording telling my that there was some unauthorized charges to my credit card. First one was $400 to Ebay, and the second was $1400 in gift cards. The recording then proceeded to say if accurate to press 1 to authorize or press 2 to not authorize.  This is where it doesn't matter what you press, you are/will be transferred to an "operator", it was at this point that I disconnected the call.

This happened to both my phone, and my daughters phone about 10 minutes apart. So there is another red flag. Below are 2 of the phone numbers that called me, and I do believe these numbers are hijacked as well, (which is when you call it back, you may reach a legitimate company)

780-667-8295

780-667-1392

 

I would be wary of any "Visa" or "MasterCard" calls from these numbers, also:

1. DO NOT give them any information, ie. your credit card number, your password, or the CCV number (the number on the back of the card)

2. DO NOT "verify" any information they may have.

3. DO NOT call any other number they may provide.

4. DO NOT go to any websites they may provide as well.

5. Just hang up!

 

If you do or have provided any information to them, contact your bank and credit card company immediately to lock your card!

Contact your local Police with the phone numbers they called you from, and as much information as you can provide.

NEVER send any money or other form of payment to them!

If you are still unsure of anything - CALL your bank! They will provide further information! 

Here is a link to an RCMP article with an overview of the scam - Credit Card Scam

 

Keep an eye on this page for ongoing information.

Stay safe!

 

Mycomputerguy!

 

Ransomware - straightfoward definition and how to protect yourself

 Ransomware.

 

I'm sure all of us have heard this phrase on several occasions, as there are numerous companies and even people getting infected with it on a daily basis depending on the variant that's out there and what is being targeted. Although more and more every day, these ransomware programs are beginning to creep their way into everyone's everyday computing sessions.

What is ransomware? Well, the basic description is: A malicious program or set of commands that once executed encrypt all your data on your hard drive and then demand money for the key to decrypt that data. 95% of the time, the payment requested is being requested in the form of Bitcoin (see: Bitcoin) which is the main form of digital currency, said to be untraceable. Although there have been other forms requested for payment.

Ransomware can come in many different forms, and you can be infected by it in many ways as well. For the everyday user, these type of threats are very low, but never zero. Typically ransomware is transmitted by a Trojan, which is a program or other that is disguised as a legitimate program that users are tricked into downloading or executing a file or link that appears to be from a known source. I'm sure we have all seen text messages or emails that appear to be from someone you know, but appear kind of off. Well usually those links contained in there will direct you to a trojan of some form. Now once downloaded, these programs will run in the background of your system, slowly encrypting all your files on your hard drive. (Although some can even sit in the background and are programmed to trigger at different times or when some instances are achieved) Once this program has run it's course, you will usually get a pop-up or directed to a page stating that all your files are encrypted and to send payment to a certain address in order to get the "key" to decrypt your files.

Hopefully you will never have to experience this form of cyber-attack, but as always, there is no harm in keeping yourself protected from it. The best and easiest way is to keep your anti-virus software up-to-date, and having all your Windows updates up-to-date as well. These basic precautions are usually the most proficient way for the everyday user. 

So when you see the little window in the bottom right popping up saying there are updates available for windows or your anti-virus, don't ignore them! Feel free to update them as they are usually pretty straight forward to do as well.  If you are ever attacked or involved in a ransomware attack, it is usually best to consult an IT professional regarding such BEFORE clicking on any further links or payment options etc. Sometimes it can be reversed easy, sometimes not. NEVER send money in any form to any of these attempts. There have been times, that people have sent money to get their information decrypted, and have never heard from the party again. Most ransomware attacks will usually target more established companies or places that have data known to be valuable, as the attacker can extort much larger sums of money.

Below I will add a link to a Wikipedia article explaining ransomware in greater detail. Once again, if you have any further questions or want some further detail, feel free to email me or comment below and I will follow up!

Ransomware - a Wikipedia explanation.

Stay safe.

Sevenowl

 

Adobe Flash EOL (end of life)

 *all links are checked for virus' and malware

Another popular software product coming to an end.  Adobe Flash player, a commonly used feature in everyone's browser for website's and games alike is coming to an end as of Dec 31/2020.  It is also being recommended to uninstall it completely, as it will not be supported any further and software developers should have updated their products to all run on the alternatives.  

So, before any big surprises arise, I will try and give you as much information as possible as to how to remove it, and how to make sure your browser(s) are prepared for the change!

Adobe has a dedicated article regarding the EOL of flash player, which you can view here for more detailed information.

excerpt from Adobe "Since Adobe will no longer be supporting Flash Player after December 31, 2020 and Adobe will block Flash content from running in Flash Player beginning January 12, 2021, Adobe strongly recommends all users immediately uninstall Flash Player to help protect their systems. "

To remove Adobe flash, simply click on "Start", go to "Settings", then click on "Apps" Scroll to where you see Adobe flash, click on it and click uninstall. (Windows 10) 

Process almost the same on other windows platforms, simply go to settings or control panel, click on add/remove programs, find Adobe flash, click uninstall.

Once you have that done and are now ready to see if your browser(s) can support the replacement. Which in this case should be HTML5 (which all current/updated browsers support) there are a couple ways to tell. Number one - you can go to this link with your browser of choice and as you arrive it will show you, your browser version and everything it can run etc. HTML5 test. 

Number two - you can click on the options bar in your browser, located at the top right side. 

For Firefox, click on the 3 bars, then click on "Help", then "About Firefox"

and you should get a screen like this one:  

For those users of Chrome, you would check it pretty much the same way, click on the 3 dots, then "Help", then "About Google Chrome"

And, of course, for those of you who use the Edge browser, once again almost the same, click on the 3 dots, then "Help and Feedback", then "About Microsoft Edge"

Now just check your Version number with the list below, and if you have the latest browser(s) you should be fine and ready to run most previous Adobe flash content!

Browser version list:

• Chrome 87.
• Safari 14.
• Edge 87.
• Firefox 84.
• Internet Explorer 11.
• Opera 72.

*list provided by Updatemybrowser.org

If your browser lists a lower version, it would be best to update immediately to avoid any complications or problems in your future browsing.

If you have any questions, feel free to drop me a line via the contact form on the right side. 

Stay Safe!

Sevenowl.

Phishing scams and malware attacks go up during Covid

 

 With the onset of Covid-19, and all the restrictions brought upon us and the retail industry, a lot of people are turning to online shopping and banking, etc.  With all this influx of activity, comes a new trove of information available to hackers and scammers. Now, not every individual gets hacked, what these people target, are the shops and information servers.  The places where your information is stored, your credit card info, bank info, all that fun stuff that is easy to sell on the dark web.

A lot of this info is obtained via phishing. This can include fake emails, texts, and even phone calls. Emails are the most common phishing technique, as fake websites, emails, etc are quite simple to set up. Below is an example of a phishing email, that a lot of people get, because most of us have a lot of passwords and they use this technique believing the majority of us will fall for it. (as most people don't keep track of a ton of passwords)

 

 

The picture below, is a fake site that you would most likely see, upon clicking one of those phishing emails.  If you don't pay close attention to details, anyone can fall for these. Always check spelling and where those email link too! Some of the time as well, as soon as you arrive at these sites, there is a possibility of malware already being installed.

 

 A good preventative is to run a weekly (if not daily) virus/malware scan on your system to help prevent these issues. That and simple preventative habits can help with it all.  If you don't recognize an email address - Don't open it! , if you don't recognize a website - close it! and Do NOT click on any links on the site! If you get any pop-ups for a download, etc, DO NOT accept it!

Phishing techniques go much further into detail, that novice users don't anticipate. For instance; once a hacker has obtained someones email address or other credentials, they can simply look through you facebook profile to obtain your address, pet's name, family names, etc that a lot of people use as passwords. They then simply run some software programs that target a number of common websites, like ebay, amazon, etc. that spam these names, address', birth-dates until a hit is found. Then they will usually change your password so that they retain access. Then they will move on to other websites and try those same credentials, which if you re-use passwords, they will hit again, and again, and again.

This is where password managers come in extremely handy! There are many out there that are very good, either free or paid options, depending on your needs.  Here is a great list by PCmag listing the top 10 password managers - Top 10 password managers.

 

Here is a link to another great article regarding scams during Covid from the HackerNews.  An excellent site to get more in depth on scamming and hacking related information.

Stay safe!

Sevenowl.

Layers of the Web

*Information purposes only*

 

 

Most people don’t realize the size of the internet (Web). A lot of people are happy with just the surface web, where everything is indexed by google, yahoo, bing, etc. What you may not know is that this part of the web makes up only about 5-10% of the internet. The other 90+% is made up of the Deep web and the Dark web.

The surface web is the safest place for the casual user and gamers etc. Think of it as an iceberg, the top part you see, is the surface web. With all the largest parts underneath where you can’t see them.

Here is a link to explain the surface web in a bit more detail. Surface Web.

 Next we have the Deep Web. (Click for more detailed description) This part of the web is not indexed by Google or any other search engines and requires specific software to access the sites. For example Tor browser (The Onion Router), is used to access these websites, if you know the addresses or know where to go.

 

This is where you will find tons of information for sale. For example, hacked accounts of all types, games, facebook, emails, porn sites, bank accounts, etc. All for a price. The currency of choice on the dark web of course is Bitcoin (and other crypto-currencies). Bitcoin is a digital currency that is almost completely untraceable. Be careful what you look for and access here, without proper security, and vpn’s etc. You may just fall victim yourself.

And lastly, we have the Dark Web. This is a place you don’t want to be.

 

 

The dark web is a nasty place, where you will find anything you could imagine, all illegal of course. This is where drug deals, gun deals, human trafficing, hitmen, ISIS redrooms, etc are all found. This part of the web is not accessable by regular web browsers at all. You need specific software and other measures to access this. I do not recommend you visit this part of the web. If you attempt to, you do so at your own risk! I do not condon any use of the dark web. This article is for information purposes only!

Hopefully this has explained a bit more about the internet and the hidden parts of it for you. Remeber you access these parts of the web at your own risk! Don’t forget your ISP knows everywhere you go on the internet.

Stay safe.

Sevenowl.

 

Ever wonder what those abbreviations mean?

 

Everyone out there has wondered what do these letters mean? What does HTTP mean? IP, PDF,VGA,etc…. there are so many out there! Well here is a list, with searchable links on all those abbreviations that are bewildering us all!

I’ve provided it on a separate page via downloadable PDF. Hopefully it helps you out in understanding what all those weird letters mean! 

 Computer & Internet related abbreviations and what they mean.

Upcoming holiday season ripe for scams!

 

Once again, that time of year is here. Gift giving season. With all the new restrictions, etc due to the COVID 19 pandemic, a lot of people have turned to online ordering.

Wether it is from Amazon, EBay, Etsy, or your local shops. These are all susceptible to scams of one form or another.

I’ve heard of quite a few people ordering items from the ads that appear on everyone’s Facebook page. These types of ads are basically a gamble, so don’t expect to see a high quality, awesome item, for a cheap price and even a “compare this” proclamation. Then you order it, and end up receiving a cheap plastic knock off of the picture. I’m sure this has happened to everyone at one time or another. A lot of these types of ads are “dropshipping” ads.

Dropshipping is quite popular, but lots of places are beginning to shun the idea. It is basically a man in the middle webstore. Whereas a person sets up a store website, then chooses a number of products from different manufacturers (90% of the time) are from China or elsewhere overseas. How it works, you go to said persons website, pick a product, purchase it (with payment) all through this persons site. They in turn make the exact order from the manufacturer with your shipping address and their part of the payment, and voila middle man makes a small profit, just for copy and paste.

Eventually your item arrives, and depending on who that person used as a distributor is how the quality etc of the product you receive is determined. Some have a great experience and get great items, others never see an item at all and those web stores disappear overnight. So once again, a little research goes a long way.

Here is a wiki-link that explains drop-shipping in more detail. Drop-shipping!

Even EBay, Amazon, and quite a few big box stores use drop-shipping to some extent. But it is with the popularity of the “get rich quick” side of things that have people smoke-screened into thinking it’s all legit.

It doesn’t take much time to research any seller, be it on EBay, Amazon, or a Facebook ad to find the info you are looking for. If you email the place directly and don’t receive a response, be wary! Also be wary of those sites that ask for “extra” shipping costs for faster delivery, not all of these are true!

Government Of Canada has some good links and tips as well regarding this topic and is an excellent place to report any suspected scams. Check it out here: Online shopping scams.

Another good way to stay safe while shopping online is by using pre-paid Visa/Mastercard cards, or one time use cards. These can be found just about anywhere, some banks even offer Visa/Mastercard online cards for those reasons only.

There are many ways to stay safe when shopping online, take a moment to read up on them! And stay safe this holiday season!