Holiday season is big time for nonprofit to raise money. End of the year people want a tax break. Consumers go online looking for theyll create websites affiliated with a charity, call you on the phone, sometimes knocking on doors saying they are affiliated with a particular charity. As a consumer, how can you protect yourself . Doing your due diligence, go to bbb, charityalliance. Com. Check out ahead of time before you donate. When you pay, pay the safest way with plastic, credit card or debit. If you later find out this charity is a scam you can dispute the charge and not out any money. It is important for consumers to they hurt consumers who lose money and hurts legitimate nonprofit who lose out to skoomers who use it to line their own pockets. David talk to me about steps people can take to prevent credit card fraud . I am an ios developer. So as a consumer, myself, what i do, i change my password frequently. I i make it 16 characters long, all sorts of craziness, i have to log into a utility to gain that password and use that password. I change my password every two months or so. I make it very, very difficult to brute force that. David, how are Companies Held responsible for data breeches . Companies that take consumer there are lots of players in the payments network, card issuing companies, banks that issue the cards, networks that process the payments, merchants that take the card information in and consumers that use those pieces of plastic we are referring to. The companies themselves carry quite a bit ofly liability. Consumers are using credit cards and debit cards. If the day the is compromised and used commit fraud, consumer will be made whole. Often they are made whole by the card issuing banks. For instance with a credit card, covered under a certain set of regulations that require there is limited liability for the consumer. Debit cards, similarly, a hold them to limited liability on the debt card. Most will hold consumers to 0 liability where the consumer is not on the hook for the fraud committed. What kind of consumer can be gotten . Card information, of course. Name and credit card number . That is an interesting part of this debate. Most consumers will recognize they received new cards, these chip cards, which require different set of actions at the terminal, point of sale or atm, some circumstances. Whether you have to insert the card into a slot and stay there a certain amount of time reads the chip. Chip is important. Unlike the mag stripe on the it carries static data. With the new chips, data is different for every purchase. If the information is compromised, fraudster, person that committed to hack wont be able to duplicate that credit card and use it in a fraudulent manner. When traveling, what is the best way to stay safe . Sure. Let me hit on one point david raised, he is right. Consumers have 0 liability when fraud occurs on a credit or debit card. They have to catch it and report it back to their bank. Really important consumers during this time of year pay close attention to credit and debit card statements. If you are checking them monthly, check them every two if you see a suspicious charge, contact your bank immediately. Maybe a period of time you have to do that to qualify for the 0 liability. Question about traveling, consumers are on the road all the time this time of year. It is important when you are out and about, remember to protect your identity information. If you for example, going to a store you have never been to, to shop, they ask you for a name and email address, that could be, that is personal information. That could be used send you weird phishing emails. Also this time of year consumers are traveling, scammers know that. We see increase in phishing attacks, look like emails from somebodys airline, there is a problem with your flight, click on this file, you are downloading malware used to we are going to continue, rightside forum. Welcome back to rightside i am Raphael Armstrong in for we are talking about security during the holiday season. Thanks for joining me, guys. I want to talk about this ios. I think it is so fascinating. My language might not be proper. I want to talk about twostep verification, what does that mean . Basically, you have twostep verification, that information goes to that product, right. That product then verifies that you are a user and user with that email. Get an email sent to you from there, click and add your cell phone or another step to that authentication. Why is that so important . If someone has hacked your more complexity into the authentication process. That is important to add that layer of protection as well. I think it is important to think about when you are starting up new electronics. To build on what david said, it is important consumers look at additional steps i use it on my critical accounts. Consumers use the same email address and password combination across multiple accounts. Chances are those scammers are going to turn around and use the same information on your facebook page, twitter, amazon account. One breech could turn into breeches in others. Consumers can find out, for example, great website, they can find out if their email provider has it, local isp offers it. As consumers get new devices and studying them up, take a few minutes, turn it on, doesnt add a whole lot of complexity. Security. Talk about setting up these new computers, are you at risk of losing that information . What should people be thinking about as they set these up . David . When you are setting up a security protocol, you should always be careful to use things that you obviously can remember. Shouldnt be interacting with companies that are coming to you. You should be going to them for one thing. A lot of folks are getting what we would call phishing scams, other ways hackers gain access information that looks official. Could be on official letterhead. We caution consumers, a bank often will not reach out to you asking for your Social Security number or credit card information. They have that information already. If you are getting this information, you should be careful. That goes with any protocol. I would also point out after a breech has occurred, it is not always obvious to the consumer something has happened. Theyll sometimes notice funny activity and notify their realm of card users. Consumers need to be vigilant. You need to check those accounts. Not only for something you think is out of the blue, 500 purchase at a store you would purchases, these hackers are very smart people, they would be fortune 500 if they were legitimate. They are hitting your accounts to get how much money is in your account, cents, not dollars, cents. If you see Something Like that on your account, good way to spot fraud. You need to immediately contact your card issuer. Has security kept up, can security keep up with rate of increase in technology the way we use it . Great question. It is a chicken and egg situation, you have hackers pushing the policies. Hackers usually pushing the envelope. Policies being made to support hacks from two or three years ago. It is a chicken and egg situation. These are very sophisticated operations, very smart people trying to get to your data. The card security environment needs to keep up with that, innovation needs to be fluid as well. As i mentioned earlier, you are getting the chip cards now. We are already getting into other forms of security property calls. Some of us are familiar with apple pay and android pay, things like that. You have bio metrics now, you have to have a thumbprint to access that type of payment information. Those are developments helping to improve getting on the other side where the hackers are. We have to stay one step ahead of them. They are on their toes. To build on these great points, we talk security experts, what consumers can do is not sort of install your antivirus, it is something as simple as installing updates, developers are playing a cat and mouse game with hackers. When they put out a patch, it is useless if a consumer doesnt install it. If you are setting up electronics, take a minute, i would say and go into the electronics, make sure they are up to date. Hackers know there is a long tail of device that have never been patched. Keep them as up to date as you can for security purposes. There is a level of responsibility for the consumer and processers and technology and all three need to be working in concert and otherwise their vulnerability is in any of those. Sure. Ecosystem of the payments be vigilant and looking out for fraud. I would say, too, added player would be regulators. In washington at the state level, right now debating bills that would increase consumers data security. Opinion. It is really important that washington pay attention. Thank you for joining us, i well be right back with hello, thanks for joining us, i am Raphael Armstrong in for armstrong williams. I am talking to hamil harris from washington post. We are talking about how race is viewed in america. Now the local Goes National immediately. Immediately. Again this is a revolution, we cell phones and twitter, what happens now comes up now broadcast around the world. I think it is a big deal, again we are going to election of cycle coming out of santa clause and christmas. It is time for primary season. You still cant figure out who is your candidates. People are campaigning over twitter and the way they send a message in alabama even New Hampshire, used to be state individualized primary when you were catering in different constituencies. Not too long ago it was iowa, New Hampshire official beginning of the race. You had super tuesday. Super tuesday is super everyday. It is not wait for the evening news but the next tweet. Look at the way black lives a lot is people with their cameras and up loading. I think donald trump and Hilary Clinton not just about what they put out, the position is where you physically are and who can see you on their phone. Whole landscape changed. Bright new day for democracy. Where do you see it going, how has it changed the conversation . Again you hear about accountability. Now you have the Police Officers having the cameras, not only in the car, but the body cams. When you go to the arrest, police want people to know, this is what we are doing. Think about what happened in texas. Where is this going in terms of legislation, that is the missing link. Is it too much . Interpret what we see. It is all up in the air, until Congress Gets its act together, it is still, we just dont know. Has the black lives matter put forward an agenda . It is still unclear what they want. Used to be lets elect somebody. Now, it is all over the place. It is almost like you remember wall street, occupy movement. Great sound byte. Turning sound byte into lasting change is the change. Who do you call for black lives matter . It is a great sound byte. Organization, that is the missing link here. It is about technology is the starter. It is the thing that gets it going and needs to continue. That is the question, what do you think the answer is . This new movement need to look at the past. Aflc labor unions, interest groups. Heritage foundation to Democratic Political organizations, those organizations providing infrastructure. Just putting the issue out there is one component. These organizations are changing. I think you have a whole new organization trying to grapple and grab your attention. It is just new material. That is interesting. I think what we have Seen Technology is a starting point. It is not everything. It does not finish the job. It allows people to be connected ways. You, ha russia sending arms and aiding what is going on in syria, all right, moving power to now, extending into syria, all right, and knowing that putin himself is not looking to resurrect the syrian i can understand why he is there, prophetic prophetically, russia has to role to israel. When i see american leader on israel, state of israel, and the region, i can understand and see certain political things happening and certain prophecies being fulfills. Thank you for watching and joining me on rightside forum, i am Raphael Armstrong. I filled in for armstrong williams. Hell be back soon. We discuss from technology to how you c protect yourself and changing the world. 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