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| Stay Safe from Cyber Crime; |
| Fill Our Surveys on Bank Charges & Asset Transmission Woes |
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| Dear Moneylifers, |
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 Cybercrime is rising at an astonishing rate and we are all vulnerable since we have no choice but to negotiate the world of digital transactions, phishing attacks, identity theft, deep fakes and sextortion. We don't even know how to recognise spoofed email addresses that masquerade as banks, regulators, enforcement agencies, government departments or even our favourite shopping sites. What is worse, when trapped by cybercriminals, most of us are clueless about how to deal with it. |
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| This week we tried to bridge the information gap through a very englightening webinar presented by Mr Balkrishna Wagh, a retired assistant police commissioner, with over three decades of experience in law enforcement. He provided many insights into how to deal with cybercrime, but his key takeaway was that we should all be conscious about the important 'golden hour' after a cyber fraud is committed. |
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 The faster you report a crime the more likely is the chance of being able to recover the money, since it is transferred at great speed, by the fraudsters, from one account to another. I would urge you to read our coverage of the webinar and share the video with your friends and near ones to help keep them safe: Fraud Alert: How To File A Cyber Crime Complaint and also watch a video recording here. |
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| As 2023 comes to an end, we realise that dealing with cyber fraud is going to be a big issue for our members and we intend to focus on in more seriously in 2024. We are already doing this through Yogesh Sapkale's weekly column #FraudAlert, which updates you to new tricks by criminals and how to deal with them: https://www.mlfoundation.in/fraud_alert.html |
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| Our Surveys on Bank Charges and Asset Transmission Woes |
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 I have another request. Please spare a few minutes to complete the surveys we have put out on our ongoing studies: the first on bank service charges and the second on challenges to claiming financial assets. Your feedback will help improve the studies and allow us to make a better case for policy changes and consumer protection. |
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| If you have missed them, here are the links again: |
| Survey on Bank Service Charges |
| Survey on Challenges Faced in Claiming Financial Assets as a nominee or heir |
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| Donation Match Campaign Ends |
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 Our donation matching campaign has come to an end. Once again, my heartfelt thanks to our generous benefactor has helped us for the third year in a row. Your response and contributions from all over India have touched our hearts. It ensures that we continue to take up issues and causes that affect tax-paying citizens like us and keep pushing for better grievance redress, compensation and fair treatment. |
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| If you like what we do and have benefitted from it, please do pass it forward. All you have to do is help your friends, family and colleagues to discover our writing, our videos, campaigns, helplines and counseling initiatives - as you know it is all free for them and available at the click of a link https://www.mlfoundation.in/register.html |
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| Counselling on Hold For 3 Weeks |
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| We are relocating our office and will temporarily pause the in-person counseling sessions for 3 weeks. While this is indeed a temporary inconvenience, rest assured that you can continue to seek guidance from Mr Shirish Shanbhag or Mr Abhay Datar, through our helplines, and through a pre-arranged phone or Zoom call. You can email us at [email protected] to set up these appointments. |
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| Housing Society Problems & Solutions |
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 As you know, Mr Shirish Shanbhag has been offering advice and guiding member on housing society and property related matters through our Legal Helpline. |
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| Did you know that you would probably find answers to your issue by browsing through his past columns, which are presented in very popular Q-and-A format every week? Do look up these columns for quick answers. Or post your query on our Helpline here. Remember, the guidance is based on information provided and is not a substitute for formal legal help that may be required for certain matters. You can also access our Free Helplines and Guides or Templates as well as our YouTube Channel. |
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| Video recordings of all our webinars are available on our YouTube channel and will come to your inbox regularly if you hit the subscribe button. But if you want to be notified about future events through our mailing list, you do need to be a member. |
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| File your RTI Applications with Expert Guidance |
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| RTI Advice App पर विस्तृत गाइड से विशिष्ट उपयोग के मामलों के लिए आरटीआई आवेदन दाखिल करने का तरीका जानें। हिंदी और मराठी भाषाओं में उपलब्ध। |
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| Many of you are already aware of our 'RTI Advice' app, which was launched for both android and iOS devices a year ago. The app helps you get expert advice on your RTI queries in any language or format (text, audio or video) and access to over 900 queries that are already asked and answered by our 14 highly regarded RTI experts. |
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| We have user guides for you in English, Hindi and Marathi! Download the app or access the guides from our website here. |
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| Moneylife TV & Helplines |
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| Financial Literacy Videos in Indian Languages: |
- Credit cards
- Online frauds
- Fallacy of gold loans and more in Marathi, Gujarati, Punjabi and Tamil, all on our YouTube channel (https://www.youtube.com/moneylifetv).
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| Get guidance and counselling through our Legal Helpline or Credit Helpline. |
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| Sucheta Dalal |
| Founder-Trustee, Moneylife Foundation |
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| Trustees: TS Krishnamurthy, Walter Vieira, Sucheta Dalal, Debashis Basu. | | | | Moneylife Foundation is registered with the Charity Commissioner of Mumbai, is an Affiliate member of OECD's International Network on Financial Education, is a Supporter Member of Consumers International, Development Partner of Advocates for International Development (A4ID), and is a winner of the 10th MR Pai Memorial Award. | | |  | | | | Donations are eligible for tax benefits under Sec 80G of the Income Tax 1961 (50% tax exemption) and MLF is registered under the Foreign Contribution (Regulation) Act, 2010. 80(G) Reg No: DIT(E)/MC/80G/685/2010-11 dated 7.2.11 effective 8.+9.2010 | FCRA Registration No: 08378138  | | | |
