Ungayibona Kanjani Imikhonyovu Ezindaweni Zokuqomisana: Umhlahlandlela Wabadala

Lapho uthungatha ukuqomisana ku-inthanethi ngemva kweminyaka engu-50, ngaphandle kokucabanga ukuthi ungenza kanjani ugqame, thola ukufana kwekhwalithi, futhi wakhe ukuxhumana, kukhona okunye okukukhathazayo okubalulekile okudingeka uqinise futhi ulungiselele: imikhonyovu yokuqomisana ku-inthanethi. Nakuba kungenakuphikwa ukuthi ukuphola ku-inthanethi kungaba indlela ejabulisayo nezuzisayo yokuthola ubungane kamuva ekuphileni—yingakho U-60% wabantu abadala abangashadile bacabange ukusebenzisa izingosi zokuqomisana ukuhlangana nabantu—lokhu kuzijabulisa kufanele kufike ngezindleko zokuphepha kwakho. 

Ngeshwa, eceleni kwazo zonke izingoma zangempela, kukhona nabakhwabanisi abacashe ezinkundleni zokuqomisana, abalungele ukukhomba abantu abafuna ubungane. Ukukusiza ukuthi uhlukanise phakathi komuntu wangempela ofuna ukuxhumana nomkhohlisi olindele ukuxhaphaza ubungozi bakho ukuze bathole inzuzo yabo, sihlanganise lo mhlahlandlela kukho konke odinga ukukwazi ukuze uhlale uphephile ngenkathi uthandana ku-inthanethi. 

Isikali Senkinga

Imikhonyovu yezothando eku-inthanethi ayiyona nje inkathazo encane - iyinkinga enkulu eye yaqubuka eminyakeni yamuva nje, ebiza abantu baseMelika, ikakhulukazi abantu abadala, inani elimangalisayo lemali nosizi. Ivame kangakanani le mikhonyovu? Cabangela lezi zibalo ezivula amehlo:

• Imikhonyovu kwezothando manje ihamba phambili emashadini ngokulahlekelwa kokukhwabanisa: Imikhonyovu yezothando idale ukulahleka kwezimali okukhulu kunanoma yiluphi olunye uhlobo lokukhwabanisa lwabathengi olubikwe ku-FTC eminyakeni yakamuva. Ngokusho kwe Federal Trade Commission (FTC), abantu babike ukuthi balahlekelwe amaRandi ayizigidi ezingama-547 ngenxa yemikhonyovu yezothando ngo-2021—ukwanda okungama-80% ngonyaka odlule. Kwathi ngo-2022, abantu baseMelika abacishe babe ngu-70,000 babika izigameko zokukhwabanisa kwezothando nokulahlekelwa okuphelele kwafinyelela ku-$1.3 billion emangalisayo.
• Abantu abadala baqondiswe kakhulu: Abantu abadala asebekhulile bavame ukuba nengxenye engalingani yalokhu kulahlekelwa. Ngo-2019, isibonelo, izisulu ezineminyaka engaphezu kuka-70 zalahlekelwa isilinganiso samaRandi angu-10 000 noma ngaphezulu ngamunye ukuqola ezothando—okuphakeme kakhulu kunezisulu ezisencane. Futhi ngo-2022, i I-FBI ithole imibiko kusuka kuzisulu ezingu-7,166 ezingaphezu kuka-60 ezilahlekelwe cishe amaRandi ayizigidi ezingu-419 ngokuhlangene ngenxa yemikhonyovu yokuzethemba/yothando. Lokho kusho ukuthi abadala babalela cishe ingxenye eyodwa kwezintathu yakho konke ukulahlekelwa kwemikhonyovu yezothando ngalowo nyaka. Izibalo khombisa, cishe abantu abadala abayizi-6,000 ngo-2023 balahlekelwe ngaphezu kuka-$100,000 umuntu ngamunye kulezi zinhlobo zokukhwabanisa.
• Inkinga ikhule kakhulu: Eminyakeni embalwa edlule, ukulahlekelwa kwakuphansi kakhulu. Ngo-2018, kubika ukulahlekelwa komkhonyovu kwezothando yayingamaRandi ayizigidi ezingu-143. Ngo-2022, lelo nani lase lifinyelele $1.3 billion- cishe ukukhuphuka okuphindwe ka-10. Kubikwe ukulahleka kwemikhonyovu yezothando e-US (2018–2023) ngokusho kwedatha ye-FTC. Ukulahlekelwa kweqa kusuka ku-$143 million ngo-2018 kuya ku-$1.3 billion ngo-2022, ngaphambi kokucwiliswa kancane kuya ku-$1.1 billion ngo-2023.

Kubalulekile ukuqaphela ukuthi lezi zibalo cishe zibukela phansi isikali sangempela. Cishe ingxenye kuphela yezisulu ezibika ubugebengu nhlobo, ngokwalokhu Umbiko we-AARP, ngokuvamile ngenxa yokuphoxeka noma ukungazi ukuthi ubike kuphi. Ngakho ukulahlekelwa kwangempela kungaba ngaphezulu nakakhulu. Izikhungo zomthetho ezifana ne-FBI zize zasungula Inombolo Yocingo Yokukhwabanisa Yabadala (833-372-8311) ukuze isize izisulu ezindala ekubikeni imikhonyovu, igcizelela ukuthi lolu daba lwande kangakanani.

Ngemuva kwalezi zinombolo kukhona abantu bangempela abahlukunyezwa ukwethenjwa kwabo nezinhliziyo zabo. Abakhwabanisi bayazi ukuthi abadala bangase babe nemali yokonga yomhlalaphansi noma izimpahla, okubenza babe okuhlosiwe okukhangayo. Basebenzisa iqiniso lokuthi abantu abadala abaningi bafuna ubungane futhi bangase bathembeke kakhulu futhi baphane ngothile abakholelwa ukuthi uyabakhathalela. Ngaphandle kokulahlekelwa ngokwezimali, ukucindezeleka ngokomzwelo kungaba okudabukisayo. Izisulu ngokuvamile zizizwa zilulazekile, zicindezelekile, futhi zesaba ukuzama ukuphinde ziqome.

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Imikhonyovu Evamile Kakhulu Yokuqomisana Eqondiswe Kwabadala

Imikhonyovu yokuqomisana eku-inthanethi ibilokhu iba yinkimbinkimbi kakhulu futhi iba nokusha ngokuhamba kwesikhathi. Nokho, imikhonyovu embalwa evamile yokuqomisana ku-inthanethi eqondiswe kubantu abadala iqhubeka ivela. okuqondiswe kwabadala kuza ngezindlela eziningi, kodwa izindaba ezimbalwa ezivamile zilokhu zivela futhi. Abakhohlisi bavame ukuqamba imininingwane eminingi nezindaba ezikhalayo ukuze bathole ukwethenjwa, uthando, futhi ekugcineni nemali yakho. Nansi ukubuka konke okusheshayo kwemikhonyovu evame kakhulu kumasayithi okuqomisana: 

Njengoba ubona, izingqikithi ziyavumelana: kuvame ukuba nesizathu esakhelwe ngaphakathi abangakwazi ukuhlangana ngaso mathupha njengokuya phesheya kwezilwandle ngenjongo yezempi noma umsebenzi, inkinga ethile ephuthumayo noma ithuba elidinga imali, kanye nenqwaba yothando lokuzisholo nenkulumo yesikhathi esizayo ukuze wehlise ukuqapha. Manje, ake sihlole ukuthi lezi zindaba zomkhonyovu wokuthandana zidlala kanjani empilweni yangempela: 

1. Imikhonyovu kwezothando—Isithandwa siyaqola

Lona umkhonyovu wezothando wakudala: othile udala umuntu mbumbulu endaweni yokuphola noma inkundla yezokuxhumana bese ehlakulela ubudlelwano be-inthanethi nawe, ngezinye izikhathi emavikini noma izinyanga. Bakuthela ngothando, imiyalezo emnandi, ngisho namagama ezilwane ezifuywayo. Bangase bakubize ngesithandwa sabo somphefumulo futhi bakhulume ngekusasa ndawonye, ​​beqhubekela phambili ngesivinini esibonakala sishesha kakhulu. Konke lokhu okokukwenza uzizwe uthandwa futhi ukhethekile kodwa empeleni kuwukuxhaphaza imizwa. Uma usutshaliwe ngokomzwelo, baqala ukwenza izinkinga noma izidingo ezidinga usizo lwakho lwezezimali. Izimpawu ezijwayelekile eziyisixwayiso zokukhwabanisa ku-inthanethi kwabantu abadala:

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• Bathandana ngokushesha: Umkhonyovu uzosho imizwa enamandla phakathi nezinsuku noma amaviki ambalwa exoxa. Isibonelo, bangase bathi uyisithandwa sempilo yabo futhi baze baxoxe ngomshado ngaphambi kokuba bahlangane mathupha. Kuyathopha kodwa futhi akunangqondo. Bayithanda amabhomu” wena.
• Abakwazi ukuhlangana nawe ubuso nobuso. Kuyohlale kunezaba zokuthi kungani bengakwazi ukuxoxa ngevidiyo noma ukuhamba bezokubona, ngisho noma nihlala ngokuhlukana ngamahora ambalwa. Bangase bathumele izithombe ezimbalwa (ezintshontshwe kunkundla yezokuxhumana yomunye umuntu), kodwa ngeke zivele bukhoma kukhamera. Imvamisa, bazothi basebenza phesheya—amakhava adumile amiswa esikhungweni samasosha esikude, asebenza kumshini kawoyela ongaphesheya kwezilwandle, noma enza umsebenzi wenkontileka phesheya kwezilwandle. Lokhu kubanika isizathu esakhelwe ngaphakathi sokugwema ukuhlangana ngokomzimba. 
• Ukuhlasela "okuphuthumayo". Uma umkhohlisi ecabanga ukuthi ushaywe ngokwanele, imibuzo iyaqala. Bazoxoxa indaba ephuthumayo, ngokuvamile ehlukumeza inhliziyo. Ngokwesibonelo, “umlingani” wakho angase athi, “Udokotela wami uthi ngidinga ukuhlinzwa okumba eqolo futhi umshwalense wami ngeke ukukhokhele,” noma “Ngagetshengwa. Lezi zicelo zenzelwe ukukwenza wethuke futhi ufune ukuhlenga isithandwa sakho esiku-inthanethi.

Ekugcineni, umkhohlisi uzocela usizo lwezezimali ngokuqondile noma ngokungaqondile. Bangase bakucele ukuthi ufake imali ku-akhawunti, uthumele amakhadi esipho, noma ubathengele imali ye-crypto. Abakhwabanisi kwezothando kuvame ukuthanda izindlela ezinjengokudluliswa kwezintambo namakhadi esipho ngoba kunzima ukuzilandelela futhi azibuyiseleki emuva. Kwesinye isikhathi bazocela “izimali mboleko zesikhashana” ezincane ekuqaleni, bese kuba ezinkulu. Noma bangase bakucele ukuba ubavulele ikhadi elisha lokuthenga ngesikweletu noma i-akhawunti yasebhange, okungase kukubambezele ngokukhwabanisa. Enye yezindlela ezingcono kakhulu zokuzivikela ekuqoleni isayithi lokuqomisana ukukhumbula: uma othile ongakaze uhlangane naye mathupha ekucela imali, ifulegi elikhulu elibomvu.

Imikhonyovu yezothando nayo ingaba yimbi. Ezinye izisulu zibhalelana nomkhohlisi wazo izinyanga noma ngisho neminyaka, zilokhu zithumela imali ngenkinga yomgunyathi ngemva kwenye. Umkhohlisi uhlala enesizathu sokuthi adinga okwengeziwe: “Ngizokukhokhela ngokushesha uma ngithola ibhonasi yami,” “Ngisize nje okokugcina ukuze ekugcineni ngize kuwe,” nokunye. 

2. Imikhonyovu yezothando yezempi

Uhlobo oluncane oluvame kakhulu lomkhonyovu wezothando umkhonyovu "wesithandwa sezempi". Kulesi simo, umuntu ohlangana naye ku-inthanethi uthi uyilungu lamasosha ase-US, ujutshwe phesheya kwezilwandle . Bangase babe negama lephrofayela elifana ne-“ArmyGuyMike” noma “NavyOfficerJohn” futhi basebenzise nesithombe begqoke umfaniswano.

Kungani abakhwabanisi bezenza amasosha? Ngoba izuza ukwethenjwa nozwela ngokushesha. Abantu abadala abaningi bathanda izwe noma banemindeni ekhonze, ngakho-ke bazizwa bexhumene futhi behlonipha ilungu lenkonzo. Futhi, ukuba sohambweni lwezempi kuchaza kahle ukuthi kungani umuntu engakwazi ukuhlangana mathupha futhi angase abe namahora angajwayelekile okuxhumana. Amanye amafulegi abomvu omkhonyovu kwezothando lwezempi ahlanganisa:

• “Isosha” lizama ngokushesha ukususa ukuxhumana kusayithi elisemthethweni lokuqomisana likuyise ku-imeyili yangasese noma imiyalezo. Lokhu kwenzelwa ukuthi isayithi lokuphola lingakwazi ukuqapha izingxoxo zabo noma lizivale ngenxa yomsebenzi osolisayo
• Bavame ukuthi bashonelwe noma a ubaba ongayedwa/umama owashonelwa owakwakhe, okuthinta inhliziyo
• Bathumela izithombe begqoke umfaniswano obukeka njengochwepheshe ngoba cishe zisusiwe ezinkundleni zokuxhumana zelungu langempela lezempi noma isayithi lomphakathi.
• Ngemva kwesikhathi senkulumo emnandi, baqala ukusikisela ngezidingo zemali. Amaqhinga avamile yilawa: “Ngifuna ukuthatha ikhefu ukuze ngikuvakashele, kodwa Amasosha ngeke angikhokhele indiza yami. Ungakwazi ukungithumelela imali yethikithi lendiza?” noma “Imali yokudla yeyunithi yethu ibambezelekile, ngidinga u-$500 ukuze ngithenge izinto ezidingekayo noma ngizoba senkingeni.” QAPHELA: Amasosha ase-US awalokothi acele amalungu enkonzo ukuthi akhokhele uhambo lwawo lokuya ekhaya noma izinto ezidingekayo

Uma othile ethi ungowamasosha futhi ekucela imali nganoma yisiphi isizathu, akuvumelekile. Amalungu ezempi angempela anamanethiwekhi okusekela namaholo futhi awadingi ukushaya abantu abangabazi ku-inthanethi ukuze bathole imali. I-US Army Criminal Investigation Division ihlale ixwayisa ngokuthi abasebenzi bezempi abavunyelwe ukucela imali emphakathini ngezimo eziphuthumayo noma uhambo. Ngakho-ke uma uhlangabezana nalesi simo, cishe iqili, hhayi uCaptain Charming.

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3. Imikhonyovu yefa & ilotho

Emkhonyozweni wefa, umkhohlisi uzosungula indaba ngesamba esikhulu semali yena noma wena osuzoyithola, uma izinkokhelo ezithile zikhokhwa kuqala. Njengomkhonyovu wokuqomisana ku-inthanethi, lokhu kungadlala ngezindlela ezimbalwa:

• "Ngisize ngivule ifa lami": Umkhonyovu uthi bazodla ifa lemali eningi noma impahla, nokho, ngenxa yenkinga ethile noma imfuneko yezomthetho yangaphandle, abakwazi ukufinyelela izimali. Bangase bathi ifa liboshelwe ku-probate noma ku-akhawunti yangaphandle edinga izintela noma izindleko zomthetho okufanele zikhokhwe. Bese kuba nombuzo othi: “Uma sengikhokhe imali engu-$5 000, ngingalithola ifa. Ngiyakuzonda ukubuza, kodwa ungangiboleka imali? Ngizokukhokhela ngokushesha nje lapho ngithola imali. Yiqiniso, ifa alilona iqiniso, futhi uma ukhokha, umkhohlisi uzoqhamuka nenye futhi imali noma avele anyamalale. Lokhu ngokuyisisekelo ukuhluka kokukhwabanisa okwaziwayo kwenkokhelo yangaphambi kwesikhathi, okugqokiswe kwezothando.
• “Uwine umklomelo!” Kwezinye izimo, umkhohlisi angase akutshele ukuthi uzothola imali noma umklomelo. Mhlawumbe bathi bakungenele ilotho yangaphandle noma emqhudelwaneni wawina. Kodwa ukuze uqoqe okuwinile, kufanele ukhokhe imali yokucubungula noma izintela kusengaphambili. Lena ifomethi yakudala yomkhonyovu ilotho. Kwesinye isikhathi umkhonyovu wezothando wukuthi bafuna ukwabelana nawe ngomklomelo njengozakwethu, noma bafuna ukukuthumelela isipho esibalulekile, kodwa udinga ukukhokha izindleko zesiko. Noma nini lapho othile ethi kufanele ukhokhe imali ukuze uthole inani elikhulu lemali, kuwumkhonyovu. Amalotho asemthethweni adonsa izintela kwabawinile; awulokothi uwakhokhe ephaketheni ukuze ufune umklomelo
• Imikhonyovu yephakheji/yokulethwa: Iqhinga elihlobene yilapho umkhohlisi ethi uzame ukukuthumelela isipho esikhetheke kakhulu (futhi esibizayo) njengobucwebe noma izinto zikagesi kodwa iphakheji lisabambekile esikweni. Bese becela ukuthi ukhokhe imvume yentela noma imali yomshwalense ukuze ukhulule iphakethe. Lesi sizaba “sokulethwa okubalulekile” sivame kakhulu, ngokusho kwe-FTC, yenza cishe u-18% womkhonyovu wothando obikiwe. Ngokwemvelo, ayikho iphakheji; umkhohlisi ufuna imali yakho nje.

4. Usekelo lobuchwepheshe noma imikhonyovu "yilungise".

Akuwona wonke umkhonyovu kumasayithi okuphola aqhutshwa kwezothando. Kwesinye isikhathi abakhohlisi bakhomba abantu abadala ezinkundleni zokuqomisana ngokunye ukukhwabanisa, njengomkhonyovu wosekelo lwezobuchwepheshe, ongadlulela nobubi kwezothando. Nakhu ukuthi lokhu kungase kudlale kanjani:

• Umkhonyovu uzenza usekelo lobuchwepheshe: Ungathola umlayezo ovela kothile ongazami ukukunxenxa ngezothando, kodwa kunalokho othi “ungumphathi” noma omele ukwesekwa ovela kusayithi lokuphola. Bangase bathi kunenkinga nge-akhawunti yakho noma ukuthi uwine ukubhalisa kwakho kwe-premium kwamahhala, bese ucela imininingwane yakho yokungena ngemvume noma ulwazi lwekhadi lesikweletu ukuze "ulungise" inkinga noma ucubungule imali yakho yamahhala. Eqinisweni, bazama nje ukuntshontsha amaphasiwedi akho noma ulwazi lwezezimali. Akekho umqondisi wesayithi lokuqomisana osemthethweni ongacela iphasiwedi yakho ngengxoxo noma akucele ukuthi ulande isofthiwe. Uma uthola imilayezo engacelwanga efana nale, yibike kusayithi
• Umkhonyovu kwezothando uphenduka umkhonyovu wosekelo lobuchwepheshe: Kwezinye izimo, intshisekelo yothando eku-inthanethi ingase izame umkhonyovu wesibili uma usuwethembile. Isibonelo, bangase bathi bangakusiza “ukuvikela ikhompuyutha yakho” noma i-smartphone ukuze ukwazi ukuxhumana ngokuphepha. Bazokuyalela ukuthi ufake uhlelo oluthile noma uhlelo lokusebenza. Lolo hlelo lungase lube ithuluzi lokufinyelela kude elibanika ukulawula idivayisi yakho. Bese bangantshontsha idatha ebucayi noma bafake i-malware/ransomware. Ungalokothi ufake isofthiwe noma izinhlelo zokusebenza ngokunxuswa othile ohlangane naye ku-inthanethi ngaphandle uma uqinisekisa ukuthi kusemthethweni. Abakhohlisi bangase bathi, “Landa lolu hlelo lokusebenza lwengxoxo yevidiyo ukuze sikhulume,” kodwa uma kungelona uhlelo lokusebenza olwaziwayo, qaphela.
• Imikhonyovu ehlanganisiwe: Imikhonyovu yokuqomisana ku-inthanethi nayo ingabelana ngolwazi ngezisulu. Uma uke wabandakanyeka nomkhonyovu kwezothando, abanye abakhohlisi bangase bakukhombe ezinhlelweni ezihlukene, njengokukhwabanisa kosekelo lobuchwepheshe, njengoba bazi ukuthi ungumuntu omdala osekhulile oku-inthanethi. Ungase uthole izingcingo ezingahleliwe noma ama-imeyili athi ukusekelwa kwe-Microsoft noma i-Apple, ethi ikhompuyutha yakho inamagciwane futhi udinga ukuwakhokhela ukuze ayilungise. Nakuba lokhu kungahlobene ngokuqondile nokuqomisana, kuyingxenye ye-ecosystem yokukhwabanisa evame ukukhomba abantu abadala. Hlala uqaphile nganoma yikuphi ukuxhumana kosekelo lobuchwepheshe okungaceliwe. Izinkampani zangempela azikhohlisi futhi zifuna inkokhelo yezinkinga zobuchwepheshe ongazibikanga

Ngamafuphi, qaphela kakhulu noma ubani okucela ukuthi udalule amaphasiwedi, unikeze ukufinyelela ukude kudivayisi yakho, noma uthumele imali yosizo lobuchwepheshe. Abagebengu bazama ukusaba ukuthi “kukhona okungalungile” nge-akhawunti yakho noma idivayisi ukuze bakhohlise esenzweni esisheshayo. Uma othile ezama ukukukhomba ngendlela efanayo, donsa umoya, futhi ungavumeli noma ubani akugijimele ekwenzeni okuthile kukhompuyutha noma ifoni yakho.

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5. Eminye imikhonyovu evamile ezingosini zokuphola

Kukhona eminye imikhonyovu laphaya, emisha evela ngaso sonke isikhathi. Nansi eminye imikhonyovu evamile ezingosini zokuqomisana okudingeka uyiqaphele: 

• Imikhonyovu yezothando "ye-Crypto investment": Umkhuba okhulayo owamaqola abathandana nawe bese uqinisekisa ukuthi utshale imali “eqinisekile”, ngokuvamile i-cryptocurrency noma i-exchange exchange, ngaphansi komcabango wokusiza ukuvikela ikusasa lakho lezezimali ndawonye. Lokhu kubizwa ngokuthi “ukuhlaba izingulube”—bakukhuluphalisa ngothando, bese kukuholela ekuhlatshweni ngokwezimali. Bangase bakubonise izithombe-skrini ezingelona iqiniso zenzuzo enkulu futhi bakuqondise kuwebhusayithi yokutshalwa kwezimali komgunyathi noma uhlelo lokusebenza. Ufaka imali (ngokuvamile amashumi ezinkulungwane), ubone ukukhula okungelona iqiniso, futhi kuphela uma uzama ukuhoxa uyabona ukuthi kuwumkhonyovu. Izisulu eziningi ezineminyaka engu-50, 60, nangaphezulu ziye zalahlekelwa imali yazo yomhlalaphansi ngale ndlela. Uma intshisekelo yothando izimisele kakhulu ukukusiza wenze imali ngohlelo oluthile lokutshala imali abalwaziyo, qaphela kakhulu. Ozakwethu abasemthethweni abakucindezeli ukuthi utshale izimali eziyinkimbinkimbi, ikakhulukazi ekuqaleni kobudlelwano
• Imikhonyovu ye-Sextortion: Kwesinye isikhathi umkhohlisi wezothando uzophendukela ekukhwabaniseni uma enezinto ezizifaka engozini, futhi abadala nabo nabo abagonyiwe kulokhu. Yilapho othile ekuqinisekisa ukuthi wenze kanjalo wabelane ngezithombe ezisondelene noma uhlanganyele engxoxweni yevidiyo yocansi, bese usabisa ngokuthumela okurekhodiwe noma izithombe emndenini/kubangani bakho ngaphandle kokuthi uzikhokhe. Hlala ukhumbula lokho owabelana ngakho. Ngisho noma uzwa sengathi usothandweni, kuze kube yilapho umazi ngempela othile, gwema ukuthumela noma yiziphi izithombe/amavidiyo abucayi. Uma othile ezama ukukuqola imali, ungakhokhi, ngokuvamile kukhuthaza ezinye izimfuno. Kunalokho, yeka ukukhulumisana futhi ufune usizo kwabaphethe
• Isicelo sokuthola imali: Umkhohlisi angase angakuceli imali yakho, kodwa kunalokho azame ukukusebenzisa njengomsele wemali yakhe, evame ukuntshontshwa. Isibonelo, bangase bathi, “Ngilindele inkokhelo enkampanini yami, kodwa angikwazi ukusebenzisa i-akhawunti yami ngiphesheya kwezilwandle. Ungakwazi yini ukuthola idiphozithi bese ungithumelela yona?” Bangase bakuthumele isheke eliwumgunyathi noma udlulise imali, ulifake, bese likucela ukuthi udlulisele izimali kwenye i-akhawunti (noma nge-. Kamuva, inkokhelo yasekuqaleni oyitholile ifana nomgunyathi, futhi uxhumene nemali oyithumele.

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Izimpawu eziyisixwayiso zokukhwabanisa okuku-inthanethi kwabantu abadala

Abakhwabanisi bavamise ukulandela amaphethini aqagelekayo, okuyizindaba ezinhle kuwena ngoba kusho ukuthi ngokuzijwayeza lawa maphethini ungakwazi ukubona imikhonyovu yokuqomisana ku-inthanethi futhi ucace, kuyilapho ugxilisa amandla akho ekuxhumekeni kwangempela. Nazi ezinye zezimpawu eziyisixwayiso ezinkulu zokukhwabanisa ku-inthanethi kwabantu abadala:

• Basho uthando noma uthando oludlulele ngokushesha okukhulu: Bangase baqale ukukubiza ngokuthi “sthandwa sami” noma bakhulume ngekusasa ndawonye phakathi nezinsuku zokuthintwa kokuqala. Lokhu uthando-ngokubona kuqala isimiso siyisu lokusheshisa ukwethenjwa kwakho. Ubudlelwano bangempela buthatha isikhathi ukukhula
• Iphrofayela yabo ibonakala "iphelele kakhulu" noma indaba yabo ayihambisani: Mhlawumbe izithombe zabo zibukeka njengezomodeli noma umlingisi. Mhlawumbe bathi banomsebenzi oncomekayo. Kodwa kukhona okungahlangani, mhlawumbe amakhono abo okuxoxa abonakala engaphansi kothile ofunde kakhulu, noma abayazi kahle imininingwane yempilo yabo. Uma kuzwakala kukuhle kakhulu ukuba yiqiniso, mhlawumbe kunjalo
• Baphushana besusa inkulumo emsamo. Abakhwabanisi bavame ukucela inombolo yakho yocingo, i-imeyili, noma i-WhatsApp ngokushesha ngemva kokufanisa. Bangase bathi “Angiyihloli njalo imilayezo lapha, asixoxe nge-imeyili/umbhalo.” Amasayithi okuqomisana anabomengameli kanye nokutholwa komkhonyovu, ngakho abakhwabanisi bamagange ukukufaka eziteshini ezingagadiwe
• Ngeke baxoxe ngevidiyo noma bahlangane mathupha: Uma uphakamisa ikholi yevidiyo, bazoba nezaba: ikhamera ephukile, izinkinga zomkhawulokudonsa, unamahloni kakhulu. Uma uphakamisa ukuhlangana komuntu mathupha, ngokufanelekile bahlala bephesheya noma bematasa. Ukwenqaba ukuhlangana noma ukuxoxa ngevidiyo kuwuphawu olukhulu oluyisixwayiso. Abanye abakhohlisi abathuthukile bangase bathole ikholi yevidiyo nawe emfushane kodwa ngokuvamile enoxhumo olubuthakathaka noma ividiyo efihliwe
• Bathi bahamba noma basebenza phesheya: Umkhohlisi wezothando angase athi usuka eMelika (noma ezweni lakini) kodwa uphesheya kwezilwandle ngenxa yomsebenzi noma empini. Lokhu kuyabaqhelelanisa ngokomzimba. Nakuba abanye abantu bangempela behambela umsebenzi, qaphela uma yonke imizamo yokuhlangana ibhekana nesithiyo sendawo. Iphesenti elikhulu lokukhwabanisa okubikiwe lihilela othile ongaphandle kwezwe
• Uhlelo lolimi olungajwayelekile noma amaphethini okuxhumana: Abaningi abaqola kwezothando basebenza bevela phesheya kwezilwandle, ngakho-ke indlela abakhuluma ngayo ingahluka endleleni umuntu womdabu angenza ngayo. Uma imilayezo yomuntu iqukethe amagama angajwayelekile, amaphutha amaningi esipelingi, noma ukusetshenziswa okungafanele kolimi lwesiNgisi, lokho kuyinkomba. Sesikushilo lokho, abanye abakhohlisi bakhuluma isiNgisi esiphelele, ngakho-ke unganciki kulokhu kuphela
• Banesimo esiphuthumayo noma indaba yokukhala edinga usizo lwakho: Leli ifulegi elikhulu elibomvu uma kwenzeka phakathi namasonto ambalwa noma izinyanga ezimbalwa ubazi. Izingibe ezivamile yinkinga yezempilo engazelelwe, ukugetshengwa, i-akhawunti yasebhange emisiwe, ukubambeka phesheya kwezilwandle, ingane egulayo, futhi njalo iholela kumuntu ofuna usizo lwakho lwezezimali. Noma yisiphi isicelo esinjalo siyifulegi elibomvu elivuthayo
• Izicelo zezindlela zokukhokha eziqondile: Abakhwabanisi bakhetha izinkokhelo okunzima ukuzilandelela futhi ezingabuyiswa. Uma othile eke wakuyala ukuthi uthenge amakhadi esipho e-Walmart noma e-Amazon futhi uwafunde amakhodi, noma uthumele imali nge-Western Union/MoneyGram, noma udlulise i-Bitcoin, yima khona lapho - umkhonyovu lona. I I-FTC itholakele ukuthi ngo-2021 abantu abaningi bakhokha imikhonyovu yezothando ngamakhadi esipho kunanoma iyiphi enye indlela, futhi izinkokhelo ze-cryptocurrency zaba ukulahlekelwa okubi kakhulu.
• Bakwehlukanisa kwabanye: Abanye abakhohlisi bazokukhuthaza ukuthi wenze kanjalo gcina ubuhlobo bakho buyimfihlo noma ngisho ukukutshela ukuthi “Ungaxoxi ngalokhu nezingane zakho noma abangani bakho – ngeke baluqonde uthando lwethu.” Lokhu bakwenza ngoba umuntu oqaphile ongaphandle maningi amathuba okuthi abone umkhonyovu. Uma uzizwa ucindezelwa ukuthi ugcine izimfihlo emndenini wakho noma wenze izinqumo ezinkulu njengokuthumela imali ngaphandle kokukhuluma namuntu, lokho kuyifulegi elibomvu. Umlingani wangempela akasoze akubuza lokho kuwe 
• Bayazivikela noma bayakugwema uma ubabuza: Uma uphonsa imibuzo embalwa yokuhlola noma ubonisa ukungabaza, ingabe iphendula ngomoya ophansi noma ingabe iyazivikela? Abakhohlisi bavame ukuzama ukuphenyisisa umbhalo futhi bakubeke icala uma ubonisa ukungabaza. "Angikholwa ukuthi awungethembi - ngicabanga ukuthi uthando lwethu alulona olwangempela kuwe." Bangase bazame ngokushesha ukukuqinisekisa futhi bakuthande-kukubhomu kanzima ukuze bafihle ukungqubuzana. Ungathonywa ukuxhashazwa ngokomzwelo lapho amaqiniso engahlanganisi
• Izithembiso zembuyiselo enkulu noma ikusasa lezezimali elihlanganyelwe. Uma ekuqaleni kokubhalelana othile ekhuluma ngokutshala imali ndawonye, ​​noma ukuthi uzokubuyisela kanjani kabili, noma yisiphi isimo lapho unikeza manje futhi uthole okwengeziwe kamuva, kungenzeka ukuthi i-con. Kungakhathaliseki ukuthi iseluleko sokutshala izimali, ukuthola igolide, noma ukuphequlula izindlu ezithengiswayo, uzakwethu omusha wothando akufanele abambe iqhaza ezezimali zakho.

Ungasebenzisa uhlu olungenhla njengohlu lokuhlola noma nini lapho uqala ukukhuluma nomuntu omusha ku-inthanethi. Uma uzithola uhlola amafulegi amaningi abomvu, yima kancane bese uphenya kabanzi noma ucabange ukunqamula ukuthintana naye. 

Cabanga ukuthi Ngeke Kwenzeke Kuwe, Cabanga Futhi

Uma sizwa izindaba zabantu ababa yizisulu zokukhwabanisa kokuthandana, umcabango wokuqala ofikayo engqondweni uthi, “Into efana nalena ayisoze yenzeke kimi” noma “Angisoze ngibe yisisulu sento efana nalena.” Uma uzizwa ngaleyo ndlela ngemikhonyovu kwezothando, cabanga futhi. Abantu abalandelayo ababike ukuthi baqoliwe mhlawumbe bazizwe ngendlela efanayo futhi:

UMary kanye "ne-Romeo esetshenzisiwe"

UMary, 68, ugogo ongumfelokazi eFlorida, wajoyina ingosi yokuphola ephezulu wahlangana no-“Robert,” umakadebona wezempi oneminyaka engu-61 othi usemishini yokugcina ukuthula eSyria. Wayethandeka futhi enothando, emthumelela imiyalezo nsuku zonke futhi embiza ngokushesha “ngengelosi” yakhe. Phakathi namasonto ambalwa, uRobert wakhuluma ngokuqala ukuphila ndawonye—kodwa akazange avume ukuxoxa ngevidiyo, esola i-inthanethi yezempi empofu.

Ngemva kwenyanga, uRobert wathi wayefika ekhaya ngaphambi kwesikhathi kodwa wayedinga u-$5,000 wokukhipha amaphepha kanye nendiza. Lapho uMary engabaza, wafaka ukucindezela okungokomzwelo: “Awufuni ngibuye ekhaya? Efuna ukukholelwa othandweni, wayibophela ngocingo imali.

Ngemva kwesonto, u-Robert wathi izinkokhelo zazidlile ngesikhathi sokudlulisa futhi wacela u-$500 ngaphezulu—kulokhu esebenzisa amakhadi ezipho. UMary wayitshela indodakazi yakhe, eyaqala ukusola. Ukusesha kwesithombe okuhlanekezelwe kwesithombe sephrofayela ka-Robert kuveze ukuthi kwakuyisithombe sesitoko. Edabukile, uMary wanqamula ukuxhumana naye futhi wabikela i-FTC ngalo mkhonyovu. Walahlekelwa amaRandi angu-5 000—kodwa kungenzeka ukuthi kwakubi nakakhulu.

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U-Bob kanye "nomtshalizimali othandekayo"

U-Bob, 72, owesilisa ohlukanisile waseTexas, wahlangana no-“Linda” eqenjini labantu abangabodwa ku-Facebook. ULinda, 60, wayenobungane futhi edlala ngothando, ethi wayesanda kuthatha umhlalaphansi. Ngemva kwamasonto ambalwa exoxa, watshela uBob ngenkundla yokuhweba nge-crypto lapho ayezuza khona inzuzo enkulu—futhi wathembisa ukumsiza ukuba atshale imali. UBob wayemanqikanqika kodwa efuna ukwazi. U-Linda wamhambisa ngokuvula i-akhawunti futhi waze "wamupha" i-$ 500 nge-crypto. 

Ezinsukwini ezimbalwa, ibhalansi ye-akhawunti yakhe ikhule yaba ngu-$750. Ekhuthazekile, uBob waqala ukutshala imali eyengeziwe—wagcina ethumele u-$50,000 esuka ku-IRA yakhe phakathi nezinyanga ezimbili. ULinda waveza imizwa yothando kodwa wayehlale enezaba zokungahlangani—wayenakekela udade ogulayo. Lapho uBob ezama ukuhoxisa enye yezinzuzo zakhe, inkundla yafuna “intela” eshisiwe kuqala. Ethukile, uBob wazama ukuxhumana noLinda, kodwa wayesenyamalele. Iphrofayela yakhe ye-Facebook isusiwe futhi nocingo lwakhe lwanqanyulwa. Ngokushesha wabona ukuthi uqoliwe. Umsamo wawungombombayi, nemali yakhe yayingasekho. UBob wabika ngokukhwabanisa, kodwa izimali eziningi bezingenakulandeleka. 

U-Elaine kanye “nogibe lwefa”

U-Elaine, 66, waseCalifornia, wahlangana no-“Victor” ohlelweni lokusebenza lokuqomisana lwabantu abadala. Uthe ubengusomabhizinisi osethathe umhlalaphansi waseNew York, okumanje useDubai ngomsebenzi wokwakha wesikhashana. Baxoxa inyanga yonke, futhi u-Elaine wamthola ehlakaniphile futhi enenhlonipho.

Ngolunye usuku, uVictor wathi isihlobo sakhe esikude sasimshiyele ifa elikhulu eYurophu. Wayejabule—kodwa kwaba khona ukubanjwa. Ukuze athole le mali, kwakudingeka akhokhe u-$8,000 wezindleko zomthetho nezintela. Izimali zakhe “zaziboshiwe” eDubai, futhi wacela u-Elaine ukuthi amboleke imali. Waze wathumela izincwadi ezazibukeka njengezincwadi zamafa ezisemthethweni. UVictor wathembisa ukumkhokhela emasontweni ambalwa futhi amyise eholidini laseYurophu njengokubonga.

U-Elaine walingeka kodwa wanquma ukuyohlola umfowabo, owamxwayisa ukuthi kwakuzwakala kuwumkhonyovu. Lapho u-Elaine ecela ukukhuluma nenkampani yabameli eyayiphethe leli cala, wathola i-imeyili evela kumuntu okuthiwa ummeli—kodwa wenqaba ucingo futhi waba nolaka. Lokho kwaqinisekisa izinsolo zakhe futhi u-Elaine wanqamula ukuxhumana naye. Nakuba ayecindezelekile ngokomzwelo, wakhululeka ngokungathumeli imali.

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Ungazivikela Kanjani Ngenkathi Uthandana Ku-inthanethi

Njengamanje ungahle ucabange, “Hawu, miningi imikhonyovu laphaya, ngingakwenza kanjani lokho hlala uphephile ezenzweni zami zokuphola eziku-inthanethi?” Impendulo ithi, ngengxube yokuqwashisa, izinyathelo zokuphepha ezisebenzayo, kanye nesilinganiso esinempilo sokungabaza Nazi izinyathelo eziqinile ongazithatha ukuze uzivikele ekukhohliseni kwesayithi lokuqomisana.

1. Gcina ulwazi lwakho lomuntu siqu kuwe

Uma usaqala ukukhuluma nomuntu ku-inthanethi, hlala ohlelweni lokusebenza lokuqomisana. Ungabelani ngenombolo yakho yocingo, i-imeyili, ikheli, noma igama eligcwele maduze. Abakhwabanisi bangasebenzisa ngisho nemininingwane emincane ukukukhomba. Namathela engxoxweni yohlelo lokusebenza uze uqiniseke, futhi uma usuka endaweni, sebenzisa okuthile okufana nenombolo ye-Google Voice. Futhi kungakhathaliseki ukuthi bathini, ungalokothi unikeze ulwazi olubucayi njengemininingwane yasebhange, izinombolo zokuphepha komphakathi, noma amagama ayimfihlo.

2. Hlela ijubane futhi ungavumeli muntu akugijimele

Uma othile ezama hambisa izinto ngokushesha okukhulu-ukukhipha ohlelweni lokusebenza, ukuhlangana mathupha, noma ukuletha imali - kwehlisa izinto. Abakhwabanisi bavamise ukusebenzisa imizwa ukuphusha imingcele yakho. Thatha isikhathi sakho. Uma othile ekuthanda ngokweqiniso, uzolunga ngokuhamba ngesivinini sakho.

3. Yenza usesho olusheshayo lwesithombe ezithombeni zabo

Abakhwabanisi bavame ukusebenzisa izithombe ezebiwe. Ngakho-ke, ukufunda ukubona izithombe zomkhohlisi zokuqomisana eziku-inthanethi kungaba yindlela enhle yokuhlukanisa phakathi kwabantu bangempela nabakhwabanisi. Ngalokhu, ungakwazi ukuqalisa usesho lwesithombe esihlanekezelwe ku-Google noma ku-TinEye ukuze ubone ukuthi isithombe sabo sisetshenziswa kwenye indawo ku-inthanethi. Uma uyibona kusayithi lesitoko noma kuphrofayela yomunye umuntu, lokho kuyifulegi elikhulu elibomvu. Kuthatha kuphela ukuchofoza okumbalwa ukuhlola.

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4. Bheka ulwazi abakunikeza lona

Uma bekutshela ukuthi bahlalaphi noma basebenza kuphi, yenza usesho olusheshayo. Bona ukuthi igama labo liyavela yini lapho obulilindele. Ungakwazi futhi ukusesha i-imeyili yabo noma igama lomsebenzisi—abanye kungenzeka ukuthi bayihlabe umkhosi ezingosini zomkhonyovu. Uma imininingwane ingangeni, kuthathe njengesixwayiso.

5. Cela ikholi yevidiyo kusenesikhathi

Njengoba uxhumano luthuthuka, qala ukucela amakholi wevidiyo kusenesikhathi. Kuhle ngaphambi kokuthi utshalwe ngokomzwelo. Kuyindlela elula yokubona ukuthi umuntu ufana nezithombe zakhe kanye nendaba. Uma bekugwema noma bebeka izaba, kuyasolisa lokho. Umuntu wangempela ngeke abe nenkinga ngokugxuma kukholi yevidiyo esheshayo.

6. Ungathumeli imali noma izipho kumuntu ongakaze umbone

Noma ngabe ukuxhumana kuzwakala kwangempela kangakanani, ungalokothi uthumele imali kumuntu ohlangane naye ku-inthanethi kuphela. Abakhwabanisi bavame ukudala izindaba eziphuthumayo ukuze bathole imali ngokushesha. Umuntu wangempela angaqonda uma uthi cha. Njengoba i-FTC isho—ungathumeli imali, izipho, nanoma yini eyigugu kumuntu ongakahlangani naye mathupha.

7. Qaphela izixhumanisi nokulandayo

Uma othile ekuthumela isixhumanisi noma ifayela, ungalivuli ngaphandle kwalapho uqiniseka ukuthi liphephile. Lokhu kungaholela kumasayithi obugebengu bokweba imininingwane ebucayi noma kuqukathe uhlelo olungayilungele ikhompuyutha. Uma befuna ukwabelana ngezithombe, kugcine kuhlelo lokusebenza lokuqomisana noma inkundla ethembekile. Njalo hlola kabili ama-URL ngaphambi kokufaka noma yiluphi ulwazi lokungena.

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8. Sebenzisa amagama ayimfihlo aqinile futhi uhlale uqaphile

Qiniseka ukuthi amaphasiwedi akho ahlukile, ikakhulukazi kuma-imeyili nezinhlelo zokusebenza zokuthandana. Ungaphindi usebenzise okulula ukuziqagela, bese uvule ukufakazela ubuqiniso bezinto ezimbili lapho ungakwazi khona. Uma uthola ikhodi engahleliwe ngombhalo ngenkathi ungazami ukungena ngemvume, ungabelani ngayo—abakhohlisi ngezinye izikhathi bazama ukukukhohlisa ukuthi unikeze ukufinyelela.

9. Qaphela nasezinkundleni zokuxhumana

Imikhonyovu kwezothando ayenzeki nje ezingosini zokuphola. Zingenzeka ku-Facebook, Instagram, ngisho nasezinkundleni zokuxhumana. Uma umuntu ongamazi ethumela umlayezo wothando noma efuna ngokushesha ukuxhuma, qaphela. Hlola iphrofayela yabo ukuze uthole amafulegi abomvu njengezithombe ezimbalwa kakhulu noma umsebenzi wakamuva. Uma usola ukuthi amaphrofayela angabazisa azama ukuxhuma, qinisa izilungiselelo zakho zobumfihlo ukuze impilo yakho ingabonakali esidlangalaleni.

10. Khuluma nomuntu omethembayo

Uma kukhona okuphathekayo, khuluma nomngane noma ilungu lomndeni. Bangakunikeza umbono futhi bakusize ubone izinto ongase ungazinaki ngenxa yokungaboni ngaso linye. Ungakwazi futhi ukuthumela ngokungaziwa ezinkundleni ezinjengamabhodi e-R/Scams e-Reddit noma amabhodi e-AARP—abantu lapho ngokuvamile bangabona imikhonyovu ngokushesha.

11. Khetha izinkundla zokuthandana ezazisa ukuphepha

Sebenzisa izinhlelo zokusebenza zokuthandana ezithatha ukuphepha njengento ebalulekile. Kungase futhi kube umqondo omuhle ukuhlola izinhlelo zokusebenza ezizinikele ekupholeni kwabantu abadala, njenge-SeniorMatch, ezingaklanyelwe kuphela ukwenza ukuzulazula ku-inthanethi ukuphola lula kodwa futhi zinikeze abasebenzisi izinsiza ukuze bazifundise futhi bazivikele emikhonyongeni enjalo. Izinkundla ezimisiwe ezifana nalezi zivame ukuba namathuluzi okuhlaba umkhosi imikhonyovu noma ukuqinisekisa abasebenzisi. Abanye baze bakuvumele ukuthi uqinisekise iphrofayela yakho—sebenzisa lezo zici. Uma kukhona okungahambi kahle, bika iphrofayela. Kungasiza ukuvikela nabanye.

12. Thembela emathunjini akho

Uma kukhona okungakuphathi kahle, naka lowo muzwa. Noma ngabe umlayezo oyinqaba noma uthando olusheshayo, zithembe wena. Kulungile ukubuza imibuzo, ukungabaza, noma ukuhamba. Kungcono ukuphepha kunokuzisola.

Ngokulandela lezi zinqubo, uzonciphisa kakhulu amathuba okuthi umkhohlisi angakukhohlisa. Uzobavimba (bazobona ukuthi awuyena umuntu oqondiswe kalula futhi bayeke), noma uzobabamba ngamanga ngaphambi kokuba kwenzeke noma yimuphi umonakalo.

Ukufunda Okuhlobene: 18 Amafulegi Abomvu Wokuqomisana Ku-inthanethi Okungafanele Anganakwa

Amathuluzi Nezinsizakalo Ezingasiza

Ungaphinda ubhalisele ubuchwepheshe kanye nezinsiza ukuze uzivikele ekukhohliseni isayithi lokuqomisana. Kunezinsiza zokuvikela umazisi ezimbalwa ezisebenziseka kalula ezingaqapha ulwazi lwakho lomuntu siqu futhi zikuxwayise ngokukhwabanisa okungaba khona. Lawa masevisi ngeke avimbele umkhonyovu wezothando umuntu ngamunye, kodwa angakhawulela umonakalo uma umkhohlisi ngandlela thize ethola idatha yakho, futhi angakusiza ukuthi ululame uma kwenzeka ukwebiwa kobunikazi. Kufana nokuba nesistimu yokuphepha yempilo yakho yedijithali. Nazi izinketho ezimbalwa ongazihlola: 

1. I-LifeLock ikusiza ukuthi ubambe ukuntshontshwa kobunikazi kusenesikhathi

I-LifeLock ibeka iso olwazini lwakho lomuntu siqu—njengenombolo yakho Yokuvikeleka Komphakathi, igama, nekheli—futhi iyakuxwayisa uma isetshenziselwa ukufaka isicelo sekhredithi noma amasevisi. Iphinda iskene iwebhu emnyama ukuze ithole idatha yakho, okuhlanganisa ulwazi oluvela kumasayithi okuphola aphuliwe. Uma ubuwena buntshontshwa, ithimba labo losekelo likusiza ukuthi ululame, futhi izinhlelo zesigaba esiphakeme zimboza usizo lwezomthetho kanye nezimali ezintshontshiwe. Ezinye izinhlelo nazo zinqwabelanisa ku-antivirus yase-Norton kanye ne-VPN yokuphepha okungeziwe ku-inthanethi. Ungakwazi futhi ukuhlola ezinye izinsiza ze-VPN njenge-NordVPN ukuze ugcine imisebenzi yakho yedijithali ivikelekile. 

2. I-Aura ihlanganisa ukuvikelwa kobunikazi nokuvikeleka kwedijithali

U-Aura ubuka imibiko yakho yezikweletu kuwo wonke ama-bureau amathathu futhi uqaphe izinto ezifana nama-akhawunti asebhange, amarekhodi obugebengu, nomsebenzi wewebhu omnyama. Iphinde ihlanganise amathuluzi afana nesofthiwe ye-antivirus, i-VPN, isiphathi sephasiwedi, kanye nezivimbela zogaxekile zekholi/umbhalo. Izinhlelo ziyatholakala kubantu, abashadikazi, noma imindeni (abantu abadala abangafika kwabahlanu), okwenza kube lula ukuvikela ikhaya lakho. Futhi uthola isigidi esingu-$1 kumshwalense wokwebiwa kobunikazi kanye nokufinyelela kusekelo olusekelwe e-US 24/7.

3. I-IdentityGuard isebenzisa i-AI ukuthola ukukhwabanisa ngokushesha

I-IdentityGuard isebenzisa i-IBM Watson ukubona umsebenzi osolisayo ohlobene nolwazi lwakho lomuntu siqu kanye nezezimali. Inikeza ukuqapha kwezikweletu (isikhungo esisodwa noma ezintathu kuye ngohlelo), kanye nezixwayiso zama-akhawunti asebhange, amakhadi esikweletu, kanye nama-akhawunti omhlalaphansi. Kunesandiso sesiphequluli sokusiza ukuvimba imizamo yobugebengu bokweba imininingwane ebucayi, futhi zonke izinhlelo zifaka umshwalense wesigidi esingu-$1. Ngezinhlelo zomndeni ezivumelana nezimo nokusekelwa okungu-24/7, kuyisinqumo esiqinile uma ufuna iqembu elisebenza ngezandla kanye nobuchwepheshe obuqhubekayo.

Ingabe lezi zinsizakalo zisiza kanjani ngokuqondile umuntu okhathazekile ngemikhonyovu yokuqomisana? Cabanga ngomkhonyovu ngandlela thize uthole imininingwane yakho yomuntu siqu ngesikhathi sokuzama umkhonyovu kwezothando - mhlawumbe wabelane ngegama lakho eligcwele, ikheli, nosuku lokuzalwa. Okubi kakhulu, yithi baphinde bakukhohlisa ukuthi unikeze ibhange lakho noma ulwazi lwe-Medicare. 

Isevisi yokuvikela umazisi izokwazisa uma ulwazi lwakho lusetshenziselwa ukuvula amakhadi esikweletu, uma i-akhawunti yakho yasebhange ibe noshintsho olungajwayelekile, noma uma i-SSN yakho iqhamuke ndawana thize okungafanele. Bavame ukubamba izinto ongase ungazinaki kuze kube yilapho sekwephuze kakhulu. Ukuba nenkonzo endaweni kusho ukuthi akumele uhlale uqaphile. Ungagxila ekuxhumekeni kwangempela kuyilapho "i-watchdog" yakho yedijithali isingatha okunye. 

Okufanele Ukwenze Uma Ukhohlisiwe

Naphezu kwazo zonke izinyathelo zokuphepha, kungenzeka ukuthi wena noma othile omaziyo angase abe isisulu somkhonyovu wokuqomisana. Okokuqala, donsa umoya. Kubalulekile ukukhumbula ukuthi awuwedwa futhi ungazisoli ngokuba “nobuwula” noma “ubuwula”. Lezi zigebengu zikholisa ngokwedlulele, futhi zingathola okungcono kakhulu kubantu abanobuhlakani. Ukugxila kwakho ngokushesha ngemuva komkhonyovu wokuqomisana ku-inthanethi kufanele kube ukuthola ukuthi yini okumele uyenze ngokulandelayo. Nansi inkomba yesinyathelo ngesinyathelo yokukhawulela umonakalo, ubike ubugebengu, futhi uqale ukululama:

1. Sika konke ukuxhumana nomkhohlisi

Uma usola ukuthi uqoliwe, yeka ukuxhumana. Ungaphenduli amakholi, imibhalo, noma ama-imeyili, futhi nakanjani ungathumeli imali eyengeziwe. Bavimbe yonke indawo—ifoni, i-imeyili, izinhlelo zokusebenza zokuqomisana, nenkundla yezokuxhumana. Uma ngabe babelane nganoma yiziphi izixhumanisi noma izinhlelo zokusebenza, yeka ukusebenzisa nalezo. Ukuzisika ngokushesha kunciphisa amathuba okulimala okwengeziwe.

2. Khuluma nomuntu omethembayo 

Awudingi ukubhekana nalokhu uwedwa. Tshela umngane oseduze noma ilungu lomndeni ukuthi kwenzekeni—bangakunikeza ukusekela ngokomzwelo futhi bakusize ucabange ngokucacile ngalokho okufanele ukwenze ngokulandelayo. Akekho ongagwemeki ekukhohliseni. 

3. Gcina bonke ubufakazi

Gcina imilayezo, ama-imeyili, namarekhodi okukhokha. Ungasusi noma yini ngenxa yokuphoxeka—kuyasiza ekubikeni. Thatha izithombe-skrini ezibonisa iphrofayela yomkhohlisi nezingxoxo, bese ubhala phansi amagama abo, indaba, kanye nanoma imiphi imininingwane ye-akhawunti abayinikezile. Lolu lwazi lungasiza uma ubika umkhonyovu noma uzama ukubuyisela imali yakho.

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4. Bika umkhonyovu

 Ukwazisa abantu abalungile kusiza abanye futhi kungase kukusize nawe. Imibiko yefayela nge:

• FTC: Iya ku reportfraud.ftc.gov
• I-FBI IC3: Faka isikhalazo ku ic3.gov
• Amaphoyisa endawo: Idala irekhodi, elisiza ngomshwalense noma izingxabano
• Uhlelo lokusebenza lokuqomisana: Bika umsebenzisi ukuze abanye bangakhohliswa
• Izinkampani ezihilelekile: Njenge-Western Union, abahlinzeki bamakhadi esipho, noma izinhlelo zokusebenza zemali

5. Tshela ibhange lakho NGOKUSHESHA

 Uma uthumela imali noma wabelane ngolwazi lwezezimali, shayela ibhange lakho noma inkampani yekhadi lesikweletu ngokushesha. Buza mayelana nokumisa noma ukubuyisela emuva izinkokhelo. Uma imininingwane ye-akhawunti yakho yabiwe, cabanga ukuvala leyo akhawunti. Khansela futhi ufake amakhadi esikweletu, futhi ushintshe noma imaphi amaphasiwedi owabelane ngawo.

6. Faka isexwayiso sokukhwabanisa noma umise izikweletu

Uma umkhohlisi ethole ulwazi lwakho lomuntu siqu—njengenombolo yakho Yokuvikeleka Komphakathi—faka isexwayiso sokukhwabanisa noma umise isikweletu sakho. Lokhu kubavimba ekuvuleni ama-akhawunti amasha egameni lakho. Kumahhala futhi kulula kunoma yimaphi ama-credit bureau amathathu.

Ukufunda Okuhlobene: 11 Amaphutha Okuqomisana Abonakalayo Wonke Umuntu Awenza Kodwa Ungawagwema!

7. Qaphela imikhonyovu yokutakula

Ngokudabukisayo, abakhohlisi ngezinye izikhathi bashaya kabili. Qaphela noma ubani othembisa ukukusiza ukuthi uthole imali yakho ngenkokhelo. Ama-ejensi aqinisekisa ukuthotyelwa komthetho awakhokhisi uphenyo. Njalo hlola nomuntu omethembayo ngaphambi kokuxhumana nanoma ubani omusha.

Imicabango Final

Ukuqomisana ku-inthanethi kungaba yinto emangalisayo eminyakeni yakho yegolide—ungesabi, vele uzilungiselele. Ngokufunda amafulegi abomvu nokubeka imingcele enempilo, ungajabulela ukuxhumana okusha kuyilapho uhlala uphephile. Nazi izinto ezimbalwa okufanele uzikhumbule ngaso sonke isikhathi:

• Ukwethemba kuthatha isikhathi futhi umuntu wangempela, onentshisekelo kuwe, uzohlonipha ijubane lakho. Noma ubani okujahayo uyifulegi elibomvu
• Unelungelo lokuthi “cha.” Uzakwethu wangempela ngeke akucindezele ukuthi wabelane ngolwazi noma uthumele imali
• Hlala ulawula. Uyakhetha ukuthi nixhumana nini futhi kanjani noma nihlangane. Abakhwabanisi bazama ukuthatha izintambo—ungabavumeli
• Ulwazi lungamandla. Manje njengoba usuwazi amaqhinga, unzima kakhulu ukukhohlisa
• Abantu abaningi balungile. Ngokuqaphela nangokuzethemba, ungahlangana nozakwethu abanomusa, abathembekile ku-inthanethi

Themba umuzwa wakho wemvelo, hlala uqaphile, futhi ujabulele uhambo. Ufanelwe uthando—futhi manje, usukulungele ukuluthola ngokuphepha.

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