Young adults ‘putting themselves at fraud risk’ by sharing details online

Young adults ‘putting themselves at fraud risk’ by sharing details online

Irish Examinar

Young adults’ willingness to share personal information with others online could be putting them at greater risk of fraud, a report warns.

While older people are often seen as less tech-savvy, potentially putting them at greater risk of fraud, UK bank NatWest found that less cautious behaviour among those aged 18 to 24 years old in particular could be making them vulnerable.

NatWest, which commissioned think tank Policy Network to look into financial fraud trends, found more than 80% of young adults in this age group are willing to share their email address online with their friends, and as many as 29% are willing to share their mother’s maiden name – a commonly used security question.

This contrasts with just 60% of over-55s willing to share their email address, and only 12% willing to share their mother’s maiden name.

The report was launched at a fraud summit being held by NatWest.

David Lowe, NatWest’s head of fraud prevention, said traditionally the view has been that older people are most at risk of financial fraud.

He said: “Whilst fraud is still prevalent in this age category, we are seeing an increasing trend in younger ’digital natives’ falling victim to online fraud.”

Matthew Laza, director at Policy Network, said: “We need to ensure that today’s school children don’t become another ’generation scammed’.

“As more and more of life moves online this is a real danger for the future.”

Research for this report involved a review of available data on fraud and scams, analysis of YouGov survey data, and interviews with fraud experts.

Source: www.irishexaminer.com

 

#RememberRoadVictims: November 15, 2017 – National Day of Remembrance for Road Crash Victims

On average, five people die on Canada’s roads each day.* Wednesday, November 15 is the National Day of Remembrance for Road Crash Victims in Canada. Each year in Canada, over 1,800 people are killed and nearly 162,000 are injured (over 10,200 seriously).*

Facts:

  • The prevalence of drug driving is now rivaling alcohol impaired driving
  • Distracted driving is a growing safety concern
  • High risk factors that can contribute to collisions are all preventable. They include:
    • Driving impaired: alcohol, drugs
    • Speeding and/or aggressive driving
    • Driver distraction (e.g.: texting, cell phone use) and/or fatigue
    • Failure to wear a seat belt

Road crashes impact everyone. Victims, families and friends suffer the losses first hand, but so do entire communities. On this day, communities across Canada are joining with their citizens, road safety stakeholders, enforcement officials and support groups in remembering those lost, and to recognize that ‘safe driving saves lives.’

Since 2007, the third Wednesday of November has been set aside for Canadians to remember those who have lost their lives or been seriously injured on Canadian roads.

PSA → Moments Matter

For more on the day, visit roadcrashvictims.ca

*Source: Transport Canada (2017).  Canadian Motor Vehicle Traffic Collision Statistics 2015. DISCLAIMER: The number of yearly fatalities on Canada’s roads and highways fluctuates from year to year. It is based on 1,858 fatalities and 161,902 injuries in 2015.

The Canadian Council of Motor Transport Administrators (CCMTA)
The Canadian Council of Motor Transport Administrators (CCMTA) is an incorporated non-profit organization in Canada that coordinates all matters dealing with the administration, regulation and control of motor vehicle transportation and highway safety. Membership includes representation from provincial and territorial governments as well as the federal government of Canadawww.ccmta.ca

SOURCE CANADIAN COUNCIL OF MOTOR TRANSPORT ADMINISTRATORS

Maintaining a Safe Following Distance

Sick CarI try very hard to maintain at least a two second following distance when I drive. This can sometimes be quite a challenge as it often seems that I am the only driver present that thinks this is a worthwhile accomplishment. In fact, other drivers seem bent on preventing this because they seem quite happy filling up any available space and forcing me to constantly adjust my position.

Beginning at page 72, the Learn to Drive Smart guide devotes some explanation to Space Margins. It explains the Two Second Rule and discusses braking distances. It also sprinkles advice throughout chapter 6, Sharing the Road. It’s a critical concept for new drivers to learn and accomplished drivers to retain and follow.

I’ve already mentioned maintaining my following distance but I also have to consider the distance from vehicles following me and minimizing the time that I spend beside other vehicles. Leaving yourself an “out” in case something happens is a never ending task.

Dealing with drivers in front of you is not that difficult. Simply slow slightly to create the necessary gap again and then resume the speed of traffic. Yes, you may find yourself doing this continually, and it is annoying, but better safe than sorry!

The same method works for vehicles beside you. If they are not passing, adjust your position to be ahead or behind them and you have regained the desired space margin.

When someone seems bent on tailgating you, the situation can be more difficult. Some drivers will purposely attempt to bulldoze you out of the way so that they can do it again to the next vehicle in front of them.

On multi-lane road, it is often as simple as slowing slightly and letting the driver behind you decide to pass on their own.

Of course, this assumes that you are in the right hand lane. If you aren’t, you should be. Move over and let the driver by, even if you are doing the speed limit.

This becomes more difficult when there is only one lane of travel for each direction. Slowing down when there is an opportunity for the vehicle behind to pass may work. If it doesn’t, signal, pull over to the right and stop. Driving on the shoulder is illegal. After the vehicle passes by, pull back onto the highway and continue on your way.

Turning on your hazard flashers or flashing your brake lights might not be a good idea. The driver behind may not be paying much attention and could decide to ignore the brake lights. This could lead to a collision.

Whatever you do, don’t decide to teach the other driver a lesson by stomping on your brakes! One bad behaviour does not justify another.

In either case, it’s time for you to leave more space in front because you are now making decisions for two drivers. More space means more time. You can brake more slowly if something happens in front of you, giving the driver behind more time to react as well.

In 2015, 2,400 traffic tickets were written to drivers for following too closely. It appears to me that this behaviour is as common as speeding, yet in comparison, more than 160,000 speed related tickets were issued that year. It would be interesting to know what portion of the 2,400 tickets were written in response to collisions and how many were the result of preventive enforcement.

Time to install winter tires, prepare for winter driving

With temperatures now dipping below 7°C and snow in the forecast in some parts of the province, CAA South Central Ontario (CAA SCO) is reminding motorists that the time has come to install winter tires and prepare for winter driving.

“Many people think winter tires are only important when driving in snowy or icy conditions but they also help with handling, manoeuvrability and braking in cold weather,” said Kaitlynn Furse, public relations manager, CAA SCO. “Now is the time to install winter tires, test your battery, service your brakes and ensure all regular car maintenance is up to date. Preparing now means fewer surprises during the winter months.”

A recent CAA survey showed that about two-thirds of members in South Central Ontario have purchased winter tires for their vehicles. Close to 90 per cent of members who own winter tires, have them installed between late October to late November.

CAA SCO winter checklist:

  • Test your battery and replace it before it fails.
  • Have your brakes checked and/or serviced.
  • Install a set of four matching winter tires for better traction.
  • Check your lights to ensure they are working properly.
  • Replace worn or torn windshield wipers.
  • Pack a winter emergency kit.

Getting a grip on winter tires:

  • Winter tires help reduce braking distance on cold, wet, ice and snow-covered roads.
  • Depending on the speed and the weather, the braking distance of winter tires can be up to 25 per cent shorter or two vehicle lengths compared to all-season tires.
  • Winter tires contain silica, a rubber compound that keeps tires flexible in cold temperatures and ensures excellent grip and braking on wet roads.
  • Winter tires should only be installed in sets of four. With only two winter tires, your vehicle’s handling, stability and braking are not fully optimized.
  • CAA Insurance policyholders save 5 per cent on their auto insurance premium when four winter tires are installed.
  • Drivers should check their tire pressure once a month. As the temperature drops so too does tire pressure. For every 5°C dip in the thermometer your tire pressure decreases 1 pound per square inch which results in reduced handling and control of your vehicle.

On an average winter day, CAA SCO dispatches service to approximately 3,000 members. During a snowstorm, the number of service calls usually doubles

About CAA South Central Ontario
For over a hundred years, CAA has been helping Canadians stay mobile, safe and protected. CAA South Central Ontario is one of nine auto clubs across Canada providing roadside assistance, travel, insurance services and Member savings for our over 2 million Members.

SOURCE CAA South Central Ontario

Social media a top priority for P&C brokers Economical survey reveals

Canadian P&C insurance brokerages prefer Facebook to communicate with customers and prospects, say 90% of respondents to a social media survey conducted this summer by Economical Insurance. 61% of respondents use LinkedIn and just over half share over Twitter.

These are some of the learnings from responses from nearly 300 insurance professionals in P&C brokerages across Canada about the use of social media in their companies.

The majority of brokerages surveyed acknowledge the value of social media in creating an engaging customer experience, and 85% of respondents agree that organizations with an engaging social media presence have a competitive advantage over those that don’t.

A key insight from the survey is an indication of the business objectives that drive social media activities by brokerages in Canada:

“Social media is helping change the way Canadian P&C insurance brokers engage with customers,” said Michael Shostak, Senior Vice-President and Chief Marketing Officer at Economical Insurance. “Brokers are using social media in a variety of ways, from generating new leads and sales, to providing customer service. But it’s early days and as an industry, we haven’t yet fully realized the potential of the medium. Our survey tells a story of an industry that desires change, yet lacks the time, resources, and knowledge to implement an effective social media strategy.”

“Most brokers recognize there’s value in having a strong social media presence,” said Naheed Somji, Senior Social Media Specialist at Economical Insurance. “The top spenders agree that an engaging social presence gives an organization a greater competitive advantage.”

To download the report of the survey results, go to 2017 Pulse Check: Social Media Usage in the Canadian Insurance Industry.

About Economical Insurance
Founded in 1871, Economical is one of Canada’s leading property and casualty insurers, with more than $2.2 billion in annualized premium volume and more than $5.5 billion in assets as at June 30, 2017. Based in Waterloo, this Canadian-owned and operated company services the insurance needs of more than one million customers across the country. Economical conducts business under the following brands: Economical Insurance, Economical, Western General, Economical Select, Perth Insurance, Sonnet, Petsecure, Economical Financial, and Family Insurance Solutions.

SOURCE Economical Insurance

For further information: Doug Maybee, Manager, Public and Media Relations, Economical Insurance, (T) 519-570-8249, (C) 519-404-0989

Related Links

www.economical.com

Saskatchewan to allow victims to sue if intimate images shared without consent

By Jennifer Graham

THE CANADIAN PRESS

REGINA _ People who have had intimate images shared without their permission will be able to sue for compensation in Saskatchewan.

The provincial government said Wednesday that it plans to change its Privacy Act so that those victims can seek redress through small claims court.

“We want to have some protection for people whose intimate images have been used for revenge porn or sexting without the consent of the person who was in those images,” said Justice Minister Don Morgan.

The government said it has proven difficult to rely on the Criminal Code to deter cyberbullying through unauthorized sharing of intimate images because the burden of proof is so high.

Morgan said the legislative changes will define what an intimate image is and include a prohibition on circulating the image without consent. The amendments will also put a reverse onus on the defendant to prove that they had consent from the person in the picture to release the images, he said.

Victims would not have to wait for charges to be laid, he said.

“It’s not a criminal proceeding, it’s a civil proceeding, so they do not have to wait for a criminal conviction,” Morgan explained.

“This is a remedy that’s made available to the victim. The Crown may well pursue a criminal charge, so you could have one, the other or both.”

The measure was in the throne speech delivered Wednesday which details the government’s plan for the new session of the legislature.

The outline includes new organ donation measures whereby all deaths or imminent deaths in hospital critical-care units are referred to an organ donation group.

The government also plans to introduce legislation so that Saskatchewan Government Insurance can offer coverage to ride-hailing companies such as Uber. Premier Brad Wall said he wants to encourage municipalities to allow ride-booking services to reduce impaired driving.

“I do think we just need more options for Saskatchewan people. Obviously almost every major North America city is comfortable with respect to the safety that’s provided by the various ride-sharing platforms,” Wall said.

Saskatchewan has one of the highest rates of impaired driving in Canada. Statistics Canada says there were 683 police-reported impaired driving cases per 100,000 population in Saskatchewan in 2011. The Canadian average was 262.

Ray Orb, president of the Saskatchewan Association of Rural Municipalities, said he thinks ride hailing services might help lower drunk driving rates, especially in rural communities where there may not be taxi service for people to use after going to the local bar.

“I think actually it would. I think it’s an interesting concept. We’d sure like to look at it,” said Orb.

The government also plans to introduce legislation so that non-Catholic parents can continue to send their children to separate schools by invoking the notwithstanding clause of the Canadian charter.

A court ruling in April found that public funding of non-Catholic students in the Catholic school system is unconstitutional.

It prompted concern from parents that their children might have to switch schools and be educated in different communities in rural Saskatchewan. Wall said at the time that there could be greatly overpopulated public schools and empty or near-empty separate schools.

The province is appealing the decision, but Wall said the government will move sooner.

“We are indicating pretty clearly that in a proactive way we’re going to protect school choice in the province notwithstanding what happens through the court process,” he said.

Interim NDP Leader Nicole Sarauer said it could take years for the appeal to be heard and, potentially, a Supreme Court challenge.

Sarauer questioned why the government was rushing the legislation.

“We need to let that process first work its way through first, before we consider using the notwithstanding clause,” she said.

The government is also backtracking on a tax cut that was made in July. It says it will raise the corporate tax rate back to 12 per cent from 11.5 per cent.

The tax was lowered so that Saskatchewan’s rate matched other western provinces, but Wall has said that’s no longer necessary because British Columbia has increased its corporate rate.

Legislation that allows up to 49 per cent of a Crown corporation to be sold without it being considered privatization will also be repealed.

The throne speech was the last for Wall, who is retiring when his successor is chosen in January.

Sarauer suggested that’s why the government is making some of the changes outlined in the speech.

“This is clearly a throne speech that’s more about serving the premier’s legacy and protecting the premier’s legacy than it is about serving Saskatchewan people,” she said.

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