2876 | S.A.F.E.
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00:00.0
The Safe Strategy for Protecting Pinoy Savings.
00:04.9
Kasi alam nyo po, ang dami talagang mga nabibiktima ng mga scam-scam ngayon eh.
00:09.7
Ito o, according to the Philippine National Police Anti-Cybercrime Group,
00:14.1
ang pinakamarami talaga na most common na money involved pala,
00:23.7
pinakamalaki, ay online scam talaga.
00:25.9
So 70 million pesos ang umabot noong January to August 2023.
00:32.8
So hindi pa lang kasama yung September to December niyan.
00:36.6
Makikita nyo niya na yan, may package scam, love scam, may mga call scam, loan scam.
00:43.2
Ang daming mga ibang-ibang klase ng scam.
00:44.9
Kaya kailangan talaga nating mag-ingat.
00:47.1
Pero ito, ang pag-iingatan natin yung ating bank fraud.
00:51.7
Magpo-focus tayo doon.
00:52.9
So meron tayong tinatawag na the safe.
00:55.6
Yung ating safe approach, ito ay S stands for security,
01:03.1
which means safeguarding your personal information and tech hygiene.
01:06.9
Tapos awareness, staying skeptical and informed about potential scams.
01:12.7
And then FE, financial education.
01:16.4
This is about smart management and our diversification of funds.
01:22.5
So yung pong sa ating mga personal information talaga natin,
01:25.6
in terms of security, dapat talaga ay gagawin natin siyang private.
01:30.2
Kung balak nyo pong maging social media star tulad ko,
01:32.7
eh tsasera, joke lang, ay pwede naman kayo na mag-gawa na lang ng page.
01:38.6
I-separate nyo talaga yan.
01:40.9
Use strong unique passwords and password managers.
01:44.1
I-enable natin yung multi-factor authentication.
01:47.3
Ano ba yung multi-factor authentication na yan?
01:50.0
Yung multi-factor authentication, ito yung kapag tayo ay
01:55.6
nagbibigyan tayo ng OTP.
01:58.9
Diba? Pag nagpa-password tayo, nalagay mo yung password mo,
02:01.4
tapos mag-o-OTP pa.
02:03.5
Multi-factor authentication yun.
02:06.1
O kaya gagamitin mo yung facial recognition,
02:09.6
o kaya yung thumbprint mo, mga maraming bagay.
02:12.4
So these are multi-factor authentication.
02:16.7
Mag-observe din tayo ng tinatawag na tech hygiene.
02:18.9
So gumamit tayo ng mga secure na networks.
02:22.3
So mas maganda actually kapag tayo ay nasa,
02:25.6
nasa pangalan nito, kapag tayo po ay nasa labas,
02:31.3
ay umiwas tayong gumamit ng mga public wifi.
02:38.6
Kasi lalo na kapag magta-transact ka sa bangko,
02:42.6
nako, investan mo na yan.
02:44.5
Mag-data ka na, gamitin mo yung sarili mong internet connection.
02:47.3
Kasi kapag wifi, nagsisilip po yan ng lahat.
02:50.2
Kasi you're going through an unsecure network.
02:54.2
At gumamit din po kayo.
02:55.6
Ito yung anti-virus protection.
02:57.0
Pero ako, tagal ko nang hindi gumamit ng anti-virus
02:58.9
kasi hindi mo nabavirus yung mga MacBook, di ba?
03:02.2
Kaya gusto ko yung Mac talaga eh.
03:04.2
Avoid public wifi, sabi ko nga sa inyo kanina.
03:07.5
And then regularly mag-update tayo ng ating browsers and software.
03:11.8
Avoid din tayo ng mga phishing scams, no?
03:15.0
So yung mga URLs, ano ba yung URLs?
03:19.6
Yung mga www.vinsrapisura.com.
03:23.5
URL yan, no? Ang tawag dyan.
03:26.3
So maging maingat tayo sa mga yun.
03:28.5
Huwag tayong click ng link, click ng click.
03:30.5
Lalong-lalo na kung hindi trusted source yung pinanggagalingan.
03:35.3
Malimit sa mga emails, marami niyan, ano?
03:37.9
So kung gusto ninyo, mas maganda pa na i-type nyo na lang mismo
03:42.1
kaysa sa i-click ninyo, no?
03:44.0
Mas maganda po yun para mas safe tayo.
03:46.3
And you can keep your browsers updated to prevent security loopholes.
03:52.9
Next naman ay awareness.
03:54.4
O yun yung kanina.
03:56.8
Ito naman, A, awareness sa ating safe strategy, no?
04:02.0
Be skeptical and verified.
04:04.3
So i-double check natin ang mga suspicious messages.
04:07.1
Be wary of social engineering tactics.
04:09.8
Question, question, question anything that seems off, no?
04:14.7
Tapos education, stay informed about the latest fraud schemes.
04:18.5
Engage with credible financial news and webinars, ha?
04:22.5
Huwag kayong kanina-kanina kumukuha ng mga information.
04:25.0
At mag-participate tayo sa community discussions on banking security.
04:31.9
And then dapat meron din tayong emotional resilience.
04:34.2
Huwag tayong papadala sa ating mga emosyon.
04:36.9
Kasi kapag tayo ay padalos-dalos sa ating mga aksyon,
04:41.2
kapag tayo ay nape-pressure,
04:42.9
baka mamali pa ang ating mga desisyon.
04:46.1
Kaya hindi ba kayo malamang mamali tayo ng desisyon.
04:50.7
Kasi kapag high, nasa high tayo ng ating emosyon,
04:54.1
dapat hindi tayo gumagawa ng mga financial decisions.
04:59.6
Stay calm and composed to deny scammers' efforts.
05:02.6
Naku, deadmine nyo na lang.
05:03.9
Huwag nyo na lang kasi silang kausapin.
05:05.5
And protect your financial health by avoiding emotional exploitation.
05:10.4
Umiwas po tayo sa mga kung ano-ano mga sinasabi sa atin.
05:16.0
Baka hindi tayo maging,
05:18.2
baka tayo ay nila magamit yung ating financial,
05:24.1
yung ating feelings para mabigyan sila ng pera.
05:27.3
Kasi naku, panuorin nyo yung aking episode on Love Scam for that.
05:33.0
And lastly, sa ating safe strategy,
05:35.5
security, awareness,
05:37.3
next ay FE, financial education.
05:40.1
So, i-diversify natin yung holdings.
05:41.7
Kasi kung naka-diversify yan,
05:44.0
ma-scam man yung isang account mo,
05:45.9
safe pa rin yung iba.
05:47.8
So, you spread your savings across different accounts and investments.
05:53.1
kapag kayo ay may maraming savings.
05:58.0
E baka naman yung savings natin eh,
05:60.0
5,000 pesos tapos naka-spread pa sa limang account.
06:04.0
Oo, bato-bato sa langit.
06:08.0
So, pag marami-marami na tayo,
06:10.0
i-spread talaga natin yan.
06:11.0
And then, explore din natin mag-time deposit and money market fund.
06:14.0
So, ibang-ibang klase ng investments paglagyan natin
06:16.0
para hindi tayo madadali ng bank fraud na minsanan lang.
06:21.0
At mag-create tayo ng
06:22.9
Robust Financial Safety Net.
06:26.4
E tapos i-control natin at i-limit natin yung access sa ating mga
06:29.9
bank transactions para makaiwas tayo sa bank fraud.
06:32.9
Maglagay tayo ng mga transaction limits.
06:36.9
kaya nga diba yung ibang mga transactions sa online hanggang 50,000, hanggang 10,000.
06:41.4
Pwede mo pang liitin yan.
06:42.4
You can set your limit.
06:43.9
And then, familiarize yourself with and utilize security features of bank apps.
06:50.4
So, may mga ano na ngayon eh,
06:52.0
may mga biometrics, tapos mga one-time password, mga ganyan.
06:60.0
At i-customize natin yung security settings natin for enhanced control.
07:05.5
Yung ating mga apps.
07:08.0
Mag-monitor din natin at saka mag-respond.
07:10.0
So, regularly check our account activities.
07:13.0
So, maganda na nag-login tayo doon
07:15.0
para nakikita natin kung may mga kakaibang transaction.
07:18.0
Tapos, i-enable natin yung transaction notifications
07:21.0
for real-time alerts, no?
07:22.5
Ako, for example, every time nagagamitin ko yung aking credit card,
07:26.5
ay may message sa akin na,
07:29.5
Uy, kinamit mo yung credit card mo sa ganito at ito yung amount.
07:33.0
O kaya, nag-withdraw sa ATM ay ganun din.
07:36.5
Mag-text sa akin,
07:37.5
O, nag-withdraw ka sa ATM at ito yung home amount.
07:40.0
Kung hindi ikaw ito, tumawag ka.
07:42.0
Re-respond tayo niya.
07:44.0
Be proactive in responding to unauthorized transactions.
07:47.5
Pag may nakita kang unauthorized transactions,
07:49.0
i-report mo na agad-agad.
07:51.0
Para maprotektahan ka.
07:54.5
And then, keep your money safe.
07:57.0
So, implementing the safe strategy is crucial for financial freedom,
08:00.5
that's security, awareness, and financial education
08:03.5
para makapag-foster tayo ng culture of security and wise money handling.
08:09.0
Ako po saservein sa inyong financial guro
08:12.0
nagsasabing ang pagyaman na pag-aaralan at na pagtutulungan.
