Workbook 6 Money Safety - ABC Money Matters

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for People with Diverse AbilitiesWorkbook 6Money safety

for People with Diverse AbilitiesWelcome to Money Matters!We designed Money Matters to help you take better care ofyourself by taking better care of your money.When you feel good about your money management, you’reless stressed. You have more energy for the things that areimportant to you.What will you learn?In today’s workshop, you will learn about:Online safetyPhishing scamsIdentity theftFinancial abuse

Workbook 6: Money safetyWhat is money safety?Money safety is everything you can do to protect your moneyand your personal information.ActivityThinking about money safetyHere are some people talking about how they use their moneyand personal information. Do you think they’re being safe orunsafe? Circle your answer.“I only carry as muchcash as I need. “SafeUnsafeNot Sure“I use a PIN that’s easy toguess, in case I forget it.”SafeUnsafeNot Sure“I use the public computerat the library for onlinebanking.”SafeUnsafeNot SureCash is paper money and coins.PIN is short for “Personal IdentificationNumber.” Your PIN is your password to useyour debit card.Online banking is when you use a computerto do your banking over the internet.A debit card is a card from the bank that letsyou spend money from your bank account.1

Workbook 6: Money safety“I use my neighbour’ssmartphone for mobilebanking.“SafeUnsafeNot Sure“When I’m worried abouthow safe my money is, Italk to someone I trust.”SafeUnsafeNot SureMobile banking is when you use a tabletor smartphone to do your banking.Let’s talk about itDid anyone in your group circle different answers than you?Why did they choose their answer?2

Workbook 6: Money safetyKeeping your money and personalinformation safeHere are some tips that might help you keep your moneyand personal information safe.Carry only as much cash as you needIf you carry a lot of cash, it might get lost or stolen.Use passwords and PINs that are hard to guessIf your password or PIN is too simple, dishonest peoplemight guess it. If someone else can guess your passwordor PIN, they can steal your money and your personalinformation.Use a private computer (like a computer at home,if you have one) for online bankingDishonest people can steal information from publiccomputers.The next page has more tips to help you keep yourmoney and personal information safe!3

Workbook 6: Money safetyHere are some more tips that might help you keepyour money and personal information safe.Use a private internet connection (like your internetat home, if you have it) for online and mobile bankingDishonest people can steal information from publicinternet connections.Only use your personal smartphone or thesmartphone of someone you trust for mobile bankingSmartphones sometimes save your information. If adishonest person uses the same smartphone, they cansteal your information.Talk to someone you trust if you’re not sureSometimes it’s hard to tell if something is safe or unsafe.Try talking to someone you trust or a bank worker aboutmoney safety.4

Workbook 6: Money safetyWhy is money safety important?Money safety means protecting your money and youridentity. If your money and your identity aren’t safe,dishonest people could steal them from you.In the rest of this book, we’re going to learn more aboutprotecting your money and your identity.Protecting your identityIt’s very important to protect your identity. Your personalinformation is private, and you should only share it withpeople you trust.If dishonest people steal your personal information, they canpretend to be you. This is a crime called identity theft.Your identity is all your personal information.Your identity can include: Your full name Your birthdate Your Social Insurance Number (SIN) All your passwordsIdentity theft is a kind of crime where dishonestpeople steal someone’s personal informationand then pretend to be that person.5

Workbook 6: Money safetyWho do you trust?Who are the people you trust with your personal information?Here is a list of some people you might trust.Remember, everyone trusts different people. You don’t haveto trust everyone on this list. Your parents Your brothers and sisters Your kids Bank workers Government workers Your best friendIs there anyone else you trust with your personal information?Did you know?You have the right to keep your money and your personalinformation safe. No one is allowed to take your money oryour personal information without your permission.6

Workbook 6: Money safetyOnline banking and mobile bankingOnline banking means using a computer to do your bankingover the internet. Mobile banking means using a smartphoneor a tablet to do your banking.Here are some things you can do with online and mobilebanking: Check your bank account activity and balance Pay your bills online Move money between your bank accounts Send money to other people through e-transfersAn e-transfer means sending money tosomeone else over the internet using acomputer, a tablet, or a smartphone.Different banks let you do different thingswith online banking, like open a newaccount or pay your bills. You can visitor call your bank to ask them about theironline and mobile banking services.7

Workbook 6: Money safetyActivityMaking a strong passwordIt’s important to create a strong password when you sign upfor online and mobile banking. A weak password is easy forsomeone else to guess, but a strong one isn’t easy to guess.A strong password has a mix of: numbers2 67 91 small lettersc g k capital letters F Z H symbols! # ?Here are some examples of passwords. Do you think thesepasswords are strong or weak?abc123StrongWeakNot SureodCD7c#21StrongWeakNot SurepasswordStrongWeakNot Sure1111111StrongWeakNot Sure83!feS3%StrongWeakNot SureE35!?fri3OStrongWeakNot SureOnline and mobile banking safetyHere are some more ways to keep your bank account safeonline: O nly use your bank’s official website or app foronline or mobile banking D on’t tell anyone your online or mobile bankingusername or password A void using public computers or public internetconnections to do your online or mobile banking A sk a bank worker if there are other ways to keepyour bank account safe8

Workbook 6: Money safetyMeet AliAli works hard to protect his identity:He uses strong passwords that are hard to guessHe rips up papers with personal informationbefore he recycles themHe only shares personal information with hisparents, bank workers, and government workersLet’s talk about itDo you use the same tricks as Ali to protect your identity?What else can you do to protect your identity?Notes:9

Workbook 6: Money safetyAli’s storyAli just started to use online banking. He’s happy, becausenow it’s easy to see how much money he has. He also likespaying his bills online.One day, Ali gets an email. It says:LBFrom: Local Bank local-bank@gr564.com Subject: Action required – Information incompleteDate: Thu 2020-02-13 12:56AMTo: AliDear Customer,This email is to inform you that your online banking porfilewith Local Bank is incomplete. Click on the link below andenter your banking password to complete your ncerely,LOCAL BANK“This email looks serious,” says Ali. “I wonder if I shouldgive them my password?”Let’s talk about itDo you think it’s safe for Ali to share his banking password?Why or why not?10

Workbook 6: Money safetyPhishingAli’s email is a kind of scam called phishing.A scam is an illegal plan to trick people andsteal from them.Phishing is a scam that uses email, phone calls,or text messages. Phishing scams try to stealpersonal information from you. They usuallypretend to be from someone or someplace youtrust, like a family member or your bank.Here are some clues that an email is phishing. Can you findthese clues in Ali’sLocal Bank local-bank@gr564.com From: email? LBLB1.Subject: Action required – Information incompleteDate: Thu 2020-02-13 12:56AMTo: Ali Dear Customer,From: Local Bank local-bank@gr564.com Subject: Action required – InformationThisincompleteemail is toDate: Thu 2020-02-13 12:56AMinform you that your online banking porfilewith Local Bank is incomplete. Click on the link below andTo: AliDear Customer,Sometimes phishing emails don’t use your name. Phishingenteruseyoura bankingto “Customer.”complete your porfile.emails mightdifferentpasswordword, like http://info.localbank.ca/completeprofileThis email is to2.inform you that your online banking porfilewith Local Bank is incomplete.Click on the link below andSincerely,From: Local Bank local-bank@gr564.com enter your banking passwordto complete your porfile.LBLOCAL BANKSubject: Action required – Information Date: Thu 2020-02-13 12:56AMSincerely,Phishingemails often have mistakes in them, like wordsTo: Alithat are spelled wrong. A professional email probablywon’thave mistakes in it.Dear Customer, LOCAL BANKThis email is to inform you that your online banking porfile3. with Local Bank is incomplete. Click on the link below andenter your banking password to complete your ishing emails usually ask you for personal information.Banksdon’t ask for your personal information in emailsSincerely,or text messages. You should never give out personalLOCAL onlineBANKor in text messages.information11

Date: Thu 2020-02-13 12:56AMTo: AliDear Customer,Workbook 6: Money safety This email is to inform you that your online banking porfileLBFrom: Local Bank local-bank@gr564.com withLocalActionBankrequiredis incomplete.Clickon the link below andSubject:– InformationincompleteThu 2020-02-13 12:56AM4. enterDate:your banking password to complete your porfile.To: Alihttp://info.localbank.ca/completeprofileDear Customer,This emailis to informbankingPhishingemailsmight yousendthatyouyourto ourpersonalinformation.Sometimes,the andwithLocalBankis incomplete.Click onthe link belowLOCALwebsitesays BANKhttp://. Usually, official websites say https://enter your banking password to complete your porfile.instead of http://. The extra “s” stands for ile5.Sincerely,LOCAL BANKPhishing emails try to look like they’re really comingfrom your bank, or another trusted source. Even if an emailhas the right logo or their email address looks right, youmight have a phishing email.Here are some more clues that an email might be a phishingscam: T he email warns you about suspicious activity on youraccount The email says there’s a problem with your account T he email says you’re eligible for a tax refund or freestuff T he email says the problem is urgent and you have torespond quicklyAli thinks he got a phishing email. He phones his bank, andthe bank worker says Local Bank didn’t send that email.Ali deletes the phishing email.Ali’s personal information is safe!12

Workbook 6: Money safetyPhishing scams: What to doHere’s what you should do if you think an email is aphishing scam:If you get an email and you think it’s a scam,don’t share any information with them!Search online for the organization’s phonenumber. Contact the organization and ask ifthey sent you an email on’t open any attachments or click on anyDlinks in the emailDon’t reply to the emailMark the email as spamDelete the emailSometimes phishing scams come from textmessages or phone calls. A text message or phonecall might be phishing if: it’s from someone you don’t know you weren’t expecting the call or text messageIf you think a call or a text message is phishing,don’t share any information with them!13

Workbook 6: Money safetyLet’s practiceHere is another phishing email. Can you spot any cluesthat this email is a scam?On your own or with a friend, try to circle some clues thatthis email is a phishing scam.CRFrom: Canada Revenue Agency tax-refund@can.gov.agancy.com Subject: Tax RefundDate: Fri 2020-02-28 03:15PMTo: Tax Payer Dear Tax Payer,After a review of your 2018 tax forms, we have determinedthat you are eligable for a tax refund of 362.58.To claim your refund, fill out the form on the canadarevenue agency website: http://canada-rev-agency.com.Sincerely,Canada Revenue AgencyLet’s talk about itDid anyone in your group find different clues?Why did they pick those clues?14

Workbook 6: Money safetyIdentity theft: What to doEven when we work hard to protect our information,sometimes people find a way to steal it. Here’s what to do ifyou think someone has stolen your personal information.What did they steal?What should you do?Your bank information,credit card, or debitcardContact your bank. You can visit inperson, or call the phone number on yourlast bank or credit card statement. A bankworker will tell you what to do next.Your other personalinformationContact the police and your bank. Tellthe police and your bank that you’d liketo report identity theft. You can visitin person, or phone them. They will tellyou what to do next.A credit card is a card that letsyou buy now and pay later.Other ways to protect your identity R ip up papers with your personal information beforeyou throw them out U se passwords that are hard to guess, and don’t writethem down D on’t share your Social Insurance Number with anyoneyou don’t trust I f people ask you to spend money or share informationthat makes you uncomfortable, say no Y ou are always allowed to talk to someone you trustbefore you make big decisions15

Workbook 6: Money safetyFinancial abuseFinancial abuse happens when someone you trust uses yourmoney, your belongings, or your identity without yourpermission.This is financial abuseAli’s friend Kathy used Ali’s credit card to buy some clothes.Kathy isn’t allowed to use Ali’s credit card, but she used itanyway. Ali doesn’t know if Kathy will pay him back.This is not financial abuseAli’s brother, Mohammed, asks for permission to borrowAli’s credit card. Ali says yes, and Mohammed pays himback right away.16

Workbook 6: Money safetySigns of financial abuseSometimes it can be hard to tell if financial abuse ishappening. These questions can help you understand ifyou’re going through financial abuse.Circle the answer in the box that sounds true to you.Does someone else useyour money without yourpermission?YesNoNot SureIf someone else makesdecisions about your money,do they hide information orlie about your money?YesNoNot SureDo your money or otherbelongings go missing?YesNoNot SureDo you feel like someoneis trying to cut you off fromeveryone else you know?YesNoNot SureDoes someone else keepyour money away from you,even though they’re notsupposed to?YesNoNot SureDid you answer “Yes” or “Not sure”to any questions?You might be going through financial abuse. The next pagetells you what to do.Did you answer “No” to every question?That’s great! Remember to keep your money and yourpersonal information safe.17

Workbook 6: Money safetyFinancial abuse: What to doDo you think you’re going through financial abuse? Do youthink someone you know is going through financial abuse?Here’s what to do.It’s important to tell someone that you think you’re goingthrough financial abuse. Talk to someone you trust, such as: a family member a close friend a bank worker at your bank your doctorIf you feel like you’re in immediate danger, call the policeand ask for help.Do you want to make sure you’re safe from financial abuse?Here are some things you can do: K eep track of your moneyWrite down all the money you spend or give away tohelp you keep track of your money. A sk for help with important decisionsAsk someone you trust to look at contracts or otherimportant agreements before you sign them. K eep in touch with family and friendsIt’s important to have lots of people you can talk toand who can help you.18

Workbook 6: Money safetyMoney safetyWhat we learned todayToday we learned about: Online safety Phishing scams Identity theft Financial abuseRememberYou have the right to keep your money and your personalinformation safe. No one is allowed to take your money oryour personal information without your permission.Practice on your ownThink about something you can do today to make your moneyand personal information safer. Maybe you can track yourspending, or make your online banking password stronger.If you know what you want to do, write it down here.I’m going to make my money and personal informationsafer by:19

Workbook 6: Money safetyCashPaper money and coinsCredit cardA card that lets you buy now and pay laterDebit cardA card from the bank that lets you spendmoney from your bank accountE-transferSending money to someone over the internetusing a computer, a tablet, or a smartphoneIdentityAll your personal information.Your identity can include: 20Your full nameYour birthdate Your Social Insurance Number (SIN)All your passwordsIdentitytheftA kind of crime where dishonest people stealsomeone’s personal information and thenpretend to be that personMobilebankingUsing a tablet or smartphone to do your banking

Workbook 6: Money safetyOnlinebankingUsing a computer to do your banking overthe internetPhishingPhishing is a scam that uses email, phone calls,or text messages. Phishing scams try to stealpersonal information from you. They usuallypretend to be from someone or someplace youtrust, like a family member or your bankPINShort for “Personal Identification Number.” YourPIN is your password to use your debit cardScamAn illegal plan to trick people andsteal from them21

Learning moreThe Government of Canada has a “Little Black Book of Scams” thattells you how to spot scams and how to deal with cb-bc.nsf/eng/04333.htmlTD Bank has more information about online scams, including tipsfor protecting your computer and how to prevent ect-yourself.jspABC Life Literacy Canada has online resources to help you learnmore about money aThank you for participating inMoney Matters for People with Diverse Abilities!22

Welcome to Money Matters! We designed Money Matters to help you take better care of . If your money and your identity aren’t safe, dishonest people could steal them from you. In the rest of this book, we’re going to learn more about protecting

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