As one hears about the reach of the financial independence to ordinary people through UPI/WAMD online transfer and as banks move from brick and mortar structure to online apps (not even websites now a days) and the incidents of AI doing many tasks, it is VERY IMPORTANT to ensure that you are not defrauded.
Please understand that to operate most of the apps, mobile phone number and emails are asked for and these could be a potential weak point in the fraud that takes place. While a mobile phone number and email per se could not cause fraud (as of now), but their usage to send a malware link or call forwarding could be a potential threat.
Some basics to perform or understand is essential. A few, not exhaustive, is given. You can suggest me more through my email @ mail.rsvp@gmail.com
a) Do not download unwanted apps
b) Do not pick up phones from unknown numbers
c) Install truecaller to identify the person calling
d) Do not click on unknown links
e) Do not fall for threats and do unnecessary actions.
f) If anyone is in danger and calls for money, always try to call them back or their relative to check the real situation (eg. a known caller might say that he is in thailand and needs you to send 1000$. Instead of sending, if you call him or his relative, you may be told that either he is at home or visiting a local place.
g) Do not hand over your phone to anybody. if someone wants to make a call from your phone, you input the number and let him talk with speaker on. Do not let the person walk a few meters to make the private call. Note: No one make a private call in emergency.
h) keep your apps and phones updated and install a good antivirus software (mckafee, eset etc.)
i) The largest method to avoid frauds is TIME. Most fraudsters catch you in your vulnerable time (parents/husband children in hospital and need money or they are caught in crime and need money to drop the case etc.). Listen to them and Buy time through one excuse or another. Check with other sources about the nature of event. Inform the Computer police (present in all countries) via another phone to trace the call if possible. Inform the potential fraudster that your friend or relative is in police and will get back to you on your number ASAP. Most of the time, the number is fraud or they will look for an easier target elsewhere and leave you.
j) Always, physically check with your boss or secretary if thru WA or call or video call, he/she asks for an urgent transfer. Buy time.
k) Do not join WA or any other group for more gains.
l) Do not fall for small gain given (like 200$ for joining, clicking a few likes etc) as easy money implies some evil intention.
m) Please understand that no one can give more than 12% return doing a decent business. Anyone says 50% etc. move away from them as there are enough people to fall prey.
n) Some do a prediction on probability. Eg. 50 people are split 25 and told it will rain (obviously during monsoon season). If it rains you now have 25 believers (skip the 25 who you told it will not rain but rained). Split again into 12 and 13. Say it will rain. If it rains, you have now 12 believers who has seen two chamatkars from you. Split the 12 into 6 and 6. Say, it will rain. If it rains you have 6 believers eating out of your hand (for them 3 times you predicted correctly)- you are the Nostradamus. Now these 6 become dead ducks for scam
m) Do not put your FD on autorenewal for ease or rate. Put it on -let it come to my account and then do a fresh FD. This ensures a) you do not forget you have FD b) prevents some bank insider pledging your funds to play in market or elsewhere.
n) While most of the people lock their phone using passcode, some may not and it gives one more avenue for people to use your phone. Always use passcode and remember them to unlock your phone. I will prefer not to use FACE ID as it may require you to be present when using the phone and you want someone close to you to use it
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