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I’ve Been Hacked – What To Do After You’ve Been Hacked

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There’s nothing quite like that feeling of dread that slowly envelops you when you realize you’ve been backed. Regardless if it’s just your social media account or something as serious as your bank account or credit card, you can’t escape those first few moments of confusion, anger, and the overwhelming sense of fear. You don’t know how they got your information, what other accounts they’ve had access to, how long they’ve had access, and it’s terrifying. So I’ve come up with a checklist to help you protect yourself from further damage and begin the repairing process.

Do Not Panic

First off, breath. It might sound silly, but you need a clear head to proceed. Panic and fear will only lead to confusion. You can easily forget crucial steps you need to take or repeat ones and waste time.

Change your Passwords

Change your passwords, especially if you use the same password for multiple accounts. You should change your passwords once every 3-6 months. Consider using a password management software like LastPass or KeePass. In the future, set up two-factor authentication when possible.

Identity Theft? Notify Credit Agencies

If your personal information (such as social security number) has been compromised, notify the credit agencies (Equifax, Experian and TransUnion) and request a 90-day credit alert. Activating this tells businesses to contact you before any new account can be opened in your name. This alert can be renewed every 90 days. It can also stay in effect for seven years – so long as your identity has been stolen, and you’ve filed a report with the police.

The Federal Trade Commission also offers some excellent advice and includes details on how to get your life back after your identity has been stolen.

Monitor your Credit Card Bills

Monitor your credit card bills and double check any charges you don’t recognize. Criminals are known to make small charges to begin with, hoping they’ll go unnoticed, before running your card for something really big. If you see a charge you didn’t make, call the credit card company and alert them right away.

Close Accounts

If someone has already stolen your identity and opened an account, immediately contact the credit issuer and have the account closed. Dispute any charges that were made. Request your credit report from one of the three credit agencies and ask for any unauthorized accounts or incorrect information be removed from your record. This will help preserve your credit score.

Record Calls

Submit your report through the FTC website and keep copies of all your reports and correspondences with these agencies. Record everything, use certified mail and get delivery receipts. Most of the places you’ll need to call will have a notice, “This call may be recorded for quality assurance purposes”, but don’t rely on them for recording the conversation. Record the call yourself, but be sure to inform the person on the other end of the line that you are recording the call. Check your state for telephone recordings laws.

Check the Sent Folder in your Email

hackCheck your sent folder of your email and look for any messages that may have gone out that you didn’t send. Hackers might request personal information from banks or send viruses to your friends. If you see anything suspicious, contact the recipients and let them know.

If the hacker has gained access to your account and locked you out by changing the password, you’ll need to contact the email provider and prove you’re the rightful account holder. And remember, if you’ve used your email address and the same password for other websites, those are all compromised as well. Change those as fast as you can to beat them to the draw. Even if you don’t use the same password for those accounts, the hacker can still use the “forget my password” feature and have a new one email to them.

If you’re concerned, your computer may have a virus, avoid making online purchases until you have run comprehensive anti-virus and malware software. Some virus installs keyloggers on your computer, letting the hacker see every keystroke. Typing in your credit card information is all they would need.

Images from Shutterstock.

Important: Never invest (trade with) money you can't afford to comfortably lose. Always do your own research and due diligence before placing a trade. Read our Terms & Conditions here. Trade recommendations and analysis are written by our analysts which might have different opinions. Read my 6 Golden Steps to Financial Freedom here. Best regards, Jonas Borchgrevink.

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A UNC Chapel Hill graduate, blockchain enthusiast and analyst. I have a background in programming and IT, strong studies in econ, stats and game theory. I'm interested in online privacy and privacy laws.




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Artificial Intelligence

YEXT: An Invisible Force In Artificial Intelligence

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YEXT, Inc. (NYSE: YEXT) is one of those behind the scenes companies involved in Intelligence Search that plays an important role in Artificial Intelligence. What does that mean? Remember the Amazon commercial? “Eco, order a 12” Pizza with pepperoni from Stromboli’s and have it delivered”.

Today the vast majority of online searches go through third-party sources such as data aggregators, governmental agencies and consumers. The net result of this third party sourcing has been to produce “best guess” data that can often miss or misstate the target data field.

YEXT developed a better way to source critical digital knowledge.  For example business clients use YEXT to update public facts about their brands. They are building their based on the rapid and ever changing nature of data.  So far the YEXT Knowledge Network offers over 100 services to more than 110 corporate clients and has over $150 million in annual revenue.  So could YEXT play a key role in AI,  the next big thing?

How YEXT Works

Most of us are familiar with big time search engines like Google, Google Maps, Facebook, Instagram, Bing, Cortana, Apple Maps, Siri and Yelp.  These pioneering companies are the major drivers in information search today.  However, we also know, their accuracy is not exactly ideal.  

This is where YEXT steps in.  Their knowledge engine platform lets business manage their digital knowledge in the cloud and sync it to over 100 services including the kingpins of search noted above.

Intelligent Search is the structured information that a business wants to make publicly accessible. In food service it could be the address, phone number or menu details of a restaurant; in healthcare, the health insurances accepted by a physician or the precise drop-off point of the emergency room at a hospital campus; or in finance, the ATM locations, retail bank holiday hours or insurance agent biographies.

Artificial Intelligence Offers a Potential $10 Billion Market

Improving search results in general is nice but not very sexy.  It doesn’t make you want to beg for more information.  However, when you consider the role of Artificial Intelligence (AI) in our evermore data intense world, the importance of Intelligent Search and the opportunities for YEXT becomes a compelling story.  

The AI trend is already underway as YEXT is increasingly using the structured data on their platform to expand or add new integrations with vertically specialized applications, voice-based search and AI engines.

Just Right For Big Data Applications

YEXT customers use their platform to manage their digital knowledge covering over 17 million attributes and nearly one million locations. These customers include leading businesses in a diverse set of industries, such as healthcare and pharmaceuticals, retail, financial services, manufacturing and technology.

Major customers include: AutoZone, Ben & Jerry’s, Best Buy, Citibank, Denny’s, Farmers Insurance Group, H&R Block, HCA, Infiniti, Marriott, Michael’s, McDonald’s, Rite Aid, Steward Health Care and others. The list is growing.

Management believes the market for digital knowledge management is large and mostly untapped with over 100 million potential business locations and points of interest in the world equaling over $10 billion.  

Shooting For Acquisitions and Broad AI Penetration

Founded in 2006 by serial entrepreneurs Howard Lerman (CEO) and Brian Distelburger, President these two are typical software guys whose vision appears much more broad based the their current focus with YEXT.  Here is where the prospectus from their April 2017 IPO offers some mystery and excitement to the story.

Unlike most rapid growth tech companies YEXT had no urgent need to go public.  They generated almost $60 million in gross profit in 2016 before heavy marketing costs resulted in a loss of $26.5 million.  Even so, they still ended the year with $20 million in cash. That’s a fair distance from being destitute.

The company’s real need for the IPO was to establish a liquid public market for the stock. They raised about $123.5 million, all of which will go into the bank.  The company is debt free and there are no insiders selling stock.  Very interesting.

Strong  Financial Results

For the latest reported nine months ended October 31, 2017 revenues grew 38% reaching $122 million.  The good news is the gross profits reached a record 75% or $90 million.  All of this was spent on sales and marketing to expand the business.  When all the beans were counted, YEXT lost $50 million producing a $30 million negative cash flow.  The balance sheet remains liquid with $120+ million in cash and securities.

FYI: In spite of some top notch bankers underwriting its IPO and analysts from those same five firms covering the company, the stock has done almost nothing for investors.  This $1.1 billion market cap was recently hanging out around $12 about the same as the IPO price.

Featured image courtesy of Shutterstock.

Important: Never invest (trade with) money you can't afford to comfortably lose. Always do your own research and due diligence before placing a trade. Read our Terms & Conditions here. Trade recommendations and analysis are written by our analysts which might have different opinions. Read my 6 Golden Steps to Financial Freedom here. Best regards, Jonas Borchgrevink.

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4.4 stars on average, based on 107 rated postsJames Waggoner is a veteran Wall Street analyst and hedge fund manager who has spent the past few years researching the fintech possibilities of cryptocurrencies. He has a special passion for writing about the future of crypto.




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Cybersecurity

This Tool Lets you Scan the Dark Web for your (Stolen) Personal Data

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A recently revealed a dark web scanning service was launched in the UK. The service is called OwlDetect and is available for £3,5 a month. It allows users to scan the dark web in search for their own leaked information. This includes email addresses, credit card information and bank details.

The service reportedly uses online programs and a team of trained experts to scan hundreds of thousands of dark web websites in order to look for their customers’ data. If any personal data is found, the company helps its users act in order to keep themselves safe. It was launched in an attempt to remove reliance on big companies, as users usually only know they were hacked after these companies make it public.

In a few cases, however, the information is revealed a long time after users are hacked. Earlier this year, Yahoo confirmed that, at least 500 million user accounts were compromised by what they believed to be a “state-sponsored actor”. The breach reportedly occurred in 2014, so it took users two years to know they were hacked.

Chairman of the National Cyber Management Centre, and member of OwlDetect’s advisory team, Professor Richard Benham said:

Today the risk of having your personal information compromised is greater than ever. From messaging apps to online shopping and dating websites, we trust a huge number of companies with our details, and there are endless opportunities for those details to fall into the wrong hands.

Crawling the Deep Web

The deep web is, as we all know, beyond the reach of regular search engines. That may be about to change in the future, as more and more tools keep on claiming to be able to crawl it in search for specific information.

According to their website, this new service has a database of stolen data. This database was created over the past 10 years, presumably with the help of their software and team. A real deep web search engine does exist, however.

A few days ago, Hacked.com reported how the Department of Defense’s deep web search engine was to be enhanced by a recent acquisition. This search engine, named Memex, is reportedly able to crawl 90 to 95% of the deep web, presenting its search results in sophisticated infographics.

Image from Shutterstock.

Important: Never invest (trade with) money you can't afford to comfortably lose. Always do your own research and due diligence before placing a trade. Read our Terms & Conditions here. Trade recommendations and analysis are written by our analysts which might have different opinions. Read my 6 Golden Steps to Financial Freedom here. Best regards, Jonas Borchgrevink.

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4.8 stars on average, based on 4 rated postsCryptocurrency enthusiast, writing about financial freedom and the future of money




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Companies

Facebook Looking into “Disrupting Economics” of Fake News Sites

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Facebook

In a Facebook post Friday night, founder of the popular social network Mark Zuckerberg took time to outline the steps the company will take to tackle its “fake news” problem, which has been a hot topic in the wake of the election. One way the social media behemoth plans on doing that is by making sure fake news sites can’t profit. 

Mr. Zuckerberg calls it “disrupting fake news economics.”

“A lot of misinformation is driven by financially motivated spam,” he posted. “We’re looking into disrupting the economics with ads policies like the one we announced earlier this week, and better ad farm detection.”

Mr. Zuckerberg underscored that Facebook takes “misinformation serious” and reinforced the company’s goal “to connect people with the stories they find most meaningful.”

The social media tycoon admits “We’ve been working on this problem for a long time.” There’s more work to be done, he says.

“Historically, we have relied on our community to help us understand what is fake and what is not,” he wrote in the long post. “…The problems here are complex, both technically and philosophically. We believe in giving people a voice, which means erring on the side of letting people share what they want whenever possible. We need to be careful not to discourage sharing of opinions or mistakenly restricting accurate content. We do not want to be arbiters of truth ourselves, but instead rely on our community and trusted third parties.”

Mr. Zuckerberg claims the percentage of misinformation is small, then outlines what Facebook will do, including stronger detection, easy reporting by users, third party verification via fact checking organization, warnings for stories flagged as false by other users, and raising bar for articles which appear in related articles suggestions.

“Some of these ideas will work well, and some will not,” he admits. “But I want you to know that we have always taken this seriously, we understand how important the issue is for our community and we are committed to getting this right.”

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Important: Never invest (trade with) money you can't afford to comfortably lose. Always do your own research and due diligence before placing a trade. Read our Terms & Conditions here. Trade recommendations and analysis are written by our analysts which might have different opinions. Read my 6 Golden Steps to Financial Freedom here. Best regards, Jonas Borchgrevink.

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5 stars on average, based on 1 rated postsJustin O'Connell is the founder of financial technology focused CryptographicAsset.com. Justin organized the launch of the largest Bitcoin ATM hardware and software provider in the world at the historical Hotel del Coronado in southern California. His works appear in the U.S.'s third largest weekly, the San Diego Reader, VICE and elsewhere.




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Hacked.com and its team members have pledged to reject any form of advertisement or sponsorships from 3rd parties. We will always be neutral and we strive towards a fully unbiased view on all topics. Whenever an author has a conflicting interest, that should be clearly stated in the post itself with a disclaimer. If you suspect that one of our team members are biased, please notify me immediately at jonas.borchgrevink(at)hacked.com.

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