On a bit chilly morning in Taichung City, we were searching for a specific place but couldn’t find it. We’re apparently lost.
A woman was walking briskly, but I still took my chance to ask for directions. It appeared as though she’s in a hurry, but she stopped. She gave us a piece of her precious time by looking earnestly at the address that I was showing to her.
She started asking us questions, like “Where did we come from?”, “Where’s our working place?”. I told her that we’re from the Philippines and our workplace is in Zhunan. There were three of us. Her English is very good and clear.
She pointed where the address is particularly located, and she explained that we’re actually a bit far from the establishment that we’re searching for. Seven blocks away!
Afterwards, she said “bye-bye”.
We thanked her for giving us directions and then she left.
Presented here are indispensable Online Banking Safety Tips.
Updated on January 29, 2018
This website is about Cycling, but this time this particular post won’t be related to it. As a Computer Technician for 17 years, and as a Filipino, I am more than willing to impart my accumulated knowledge and experience for the sake of my Kababayans(countrymen) and for anyone that may find these tips helpful in regards to online banking. As Technicians, we don’t only deal mostly with hardware. We also extensively tackle software, security and networking issues, as you might have initially guessed. Nevertheless, this is also due to the rampant incident that took place just recently to the account holders of a certain bank in the Philippines, my homeland.
Safe online banking tip #1 – Banks never ask for your password/s! DO NOT reveal your password/s to Anyone! DO NOT GIVE OUT YOUR OTP(ONE TIME PASSWORD) TO ANYONE! Ang mga bangko ay hindi kailanman hihingiin ang iyong password/s! HUWAG ibubunyag ang iyong password/s KAHIT KANINO! HUWAG NA HUWAG NINYO PONG IBUBUNYAG KANINUMAN ANG INYONG OTP(ONE TIME PASSWORD)!
>Refrain from using public/rented computers when having online banking. SOME (NOT ALL) of the public computers are not properly configured for maximum online security. Iwasan ang gumamit ng mga pampublikong computers kung gagawa ng anumang hakbang na nauukol sa online banking. IYONG IBANG (HINDI LAHAT) pampublikong computer ay hindi wasto ang pagka-set up para sa maximum online security.
>Download banking apps ONLY from Google Play or App Store. Google Play is owned by Google and you can be sure that online banking apps that are published in this company are all safe to install. Mag-download ng banking apps na galing LAMANGsa Google Play or App Store. Ang Google Play ay pagmamay–ari ng Google at tayo ay nakakasiguronaang mga online banking apps na galing sa kanila ay safe i-install.
>Take advantage of these security features:
Multi-factor authentication (MFA)
Two-factor authentication (2FA)
Two-step verification or two-step authentication
Samantalahing gamitin ang mga security features na nailahad sa itaas.
>Uncheck UNKNOWN SOURCES in your phone settings to prevent unauthorized installation of harmful app/s in your phone. Do this by going to Settings->Lock screen & security->Unknown sources. I-uncheck angUNKNOWN SOURCES sa inyong phone upang maiwasan ang unauthorized installation ng mga harmful app/s sa inyong phone. Sundin ang procedure sa taas.
>If you have a Personal Computer and you’re using it for online banking, then make sure that it is installed with a genuine OS and is regularly updated. Kung meron kang sariling computer na ginagamit sa online banking, then siguraduhin na tunay at hindi peke/pirated ang OS nito at dapat ay palagi ding updated.
>Ensure all your phone apps including your phone’s software are always updated. This also applies to PCs. Siguraduhing updated palagi ang phone apps, at kabilang na dito ang mismong phone’s software. Isaalang–alang din ang PC at mga apps nito.
Anti-virus, Anti-Malware and Firewall are recommended for safe online banking experience.
>Istall an antivirus for your PC and for your smartphone as well. For your PC , it’s recommended that you must have an anti-virus, an anti-malware and a firewall. Only one anti-virus software is recommended to be installed, to avoid slowing down your system. Update them and scan your PC/Phone regulary. Maglagay ng anti-virus at anti-malware sa PC at smartphone. Isang anti-virus lang ay sapat na. Huwag mag install ng dalawa or higit pa upang hindi bumagal ang inyong computer/phone. Tignan angmga download links saitaas.
>Refrain from having online banking transactions through Wi-Fi especially in public hotspots. Install password also for your personal wireless router/portable hotspot. Iwasang magsagawa ng online banking transactions samga public Wi-Fi. Lagyan din ng password ang sariling wireless router/portable hotspot.
>Having hard-to-guess passwords is a must. (Example: 565Hk67Fgt98Jlkf) It’s also much better to have a screen lock on your phone. Mas maiging gumamit ng mgamahirap hulaang passwords. Inererekomenda ring lagyan ng screen lock ang phone.
>To avoid being victimized by skimming devices, it’s better to use ATMs that are located in places where security personnel are always present. Para maiwasang mabiktima ng skimming devices, piliing mag-withdraw sa mga ATM na palaging may bantay na mga security personnel.
>Report to your bank immediately all cases of any loss or in any unusual transactions received through e-mail. I-report agad sa inyong bangko kung nawalan ng pera or sa mga kahina–hinalang transaction reports na natanggap sa e-mail.
Phising is one of the primary methods of attackers in online banking frauds.
>Beware of Phishing. This term derived from “fishing”. Attackers use emails as bait that are especially cloaked to appear as legitimate. Don’t hesitate to report to your bank any email that you suspect as unusual. Alamin ang Phising. Ito ay galing sa salitang ‘fishing”. Gumagamit ang mga attackers ng pekeng email(pain) para makapanloko. Huwag mag-atubiling i-report sa inyong bangko ang anumang kahina–hinalang e-mail.
>It’s much better not to reveal all your personal info online, especially birthdays and birthplace. Mas maiging huwag ibunyag ang lahat ng personal info online lalong-lalo na ang araw at lugar ng kapanganakan.
>DO NOT open suspicious or unsolicited emails! Delete them immediately. HUWAG io-open ang mga kahina-hinalang emails. Kung hindi familiar sa ‘yo ang email, mas mabuting i-delete mo na siya kaagad. Maaring galing yan sa isang phishing site or isa siyang virus.
>*Always pay attention to the Address Bar. Make sure that the website you are visiting has “https” or the PADLOCK sign. Example: https://rohdelb.com. “s” means secure. All sensitive information, like names, birthdays, or passwords that you enter on that particular website are encrypted and secured. This prevents man-in-the-middle attacks. Google itself, displays warnings for websites that are not equipped with “https”. Pansining mabuti ang “address bar”. Siguraduhing may “https” or PADLOCK sign ang website na binibisita. Example ay: https://rohdelb.com. Lahat ng sensitibong impormasyon gaya ng pangalan, kapanganakan o passwords, na iyong ibabahagi sa website na yan ay encrypted o di kaya’y hindi basta–basta nababasa ng sinuman. Protektado ka sa tinatawag na “man-in-the-middle attacks”. Ang Google mismo ay nagbibigay ng babala, sa mga oras na ikaw ay bumisita sa isang unprotected website.
Helpful links to check out in case of illegal online banking activities.
>Here are helpful links to report to if ever you’ll encounter malicious websites. Phishing page, spam, and malware.
*Most of the tips that are stated above are applicable to Android and Windows OS and perhaps are also relevant to other platforms as well. Karamihan samga Tips na nasa itaas ay para sa Android at Windows OS at maaaring appplicable din sa ibang platform.
Online Banking tips from my own experience, personal knowledge, and acquired through extensive research.
These tips will not ensure a 100% security, but will significantly improve your overall online banking experience if carefully followed. Ang mga tips sa taas ay hindi garantiya ng 100% na seguridad, subalitlabis na makakatulong sa inyong pangkalahatang online banking experience kungang mga ito’y susunding mabuti.
Did I miss something? Please leave your suggestions and questions at the comment section below.
Like and SHARE to spread awareness!
* sometimes the address bar of a webpage displays a warning even though the site you are visiting is safe. This is due to ads that are being served on that particular webpage.
A high-altitude village that sits atop a 916-meter above-sea-level mountain. It is located in the mountainous and stunning Nanzhuang, Miaoli, here in Taiwan. A haven for Cyclists, Mountain Hikers, Travelers, Adventurers and Nature Lovers.
Perhaps, this spot was once, one of their hunting grounds, hence the name “Deer Field”. I’m talking about the Atayal 泰雅 people to be specific, a certain group of Taiwan Aborigines here in Miaoli.
Aborigines have been here thousands of years before the arrival of Han Chinese people. Guess what? They’re actually related to Filipinos and to other numerous Austronesian people like the Malays, Indonesians, Maoris(Hawaii & New Zealand), etc. To Filipinos, our closest genetic relative are the Amis People of Taiwan. This is also strongly supported by the genetic studies that have been conducted before.
How did their ancestors manage to get up to these heights? And most importantly, how did they travel from country to country? They didn’t have advanced pieces of machinery before!
According to a BBC documentary, many of our ancestors were highly skilled sailors. A certain man that they interviewed could even effectively navigate just by only looking at ocean waves! Others stare upon the heavens and rely on the stars for navigation during the night.
There were also land bridges before and were washed away when sea level eventually rose due to global climate change. Perhaps, this definitely explains how our ancestors efficiently and effectively traveled from island to island. Do you have any other theories? Feel free to leave your comments at the end of this post.
Cycling all the way to Luchang
If you’ll cycle your way all throughout Luchang village, then I would have to remind you, that this is not a run-of-the-mill ride. Ascents in here are not ordinary. Perhaps that’s the main reason why some cyclists don’t really frequent this place.
The way to Luchang is the same one that leads to Fairy Valley.
You just have to get past the spot where this waterfall is located. Go straight ahead and it would take you approximately 30 minutes via bike before finally arriving in Luchang Village. Be informed that there’s no bus that passes through this route. I haven’t spotted any that goes all the way to Luchang, unlike in Xiangtian-hu.
Hiking trails can also be found in this area. The famous one is in Jialishan. I once attempted to climb this point on my bike and eventually reached the starting point of the hiking trail. But I don’t completely advise cycling up to this point because the road is not yet specifically developed for Cycling. And in case you’ll decide to move along, then proceed with caution.
One thing more, the last time I went to this place, I was chased by a pack of dogs. Perhaps, there were five of them. They’re at least domesticated, but then they’re still dangerous. So, if you’re planning to hike to this trail, then you’d rather ride in an enclosed vehicle such as a car or a van. The road is a bit narrow too, but still good and safe enough to accommodate small vehicles.
During my ride to Jialishan, I also passed through an area where a landslide actually occurred. An isolated building that resembles a mini-museum is actually abandoned due to the rubble that landed on its roof. But in spite of that, the best part was when I actually witness right before my eyes a sea of clouds(image below).
I still regard this event as the best ride of my life. It always reminds me of the quote, ”Adventure may hurt you, but monotony will kill you”.