Safe Search Kids supports Qustodio in their continued development of parental controls that protect kids.  They have released their annual data report with a focus on a topic that is all the buzz right now.  AI.  But how it effects our children growing up in a new and developing digital landscape where artificial intelligence is relatively still in its infancy?

The Qustodio report provides valuable insights into the latest trends surrounding children’s digital usage, helping educators and parents stay informed and up to date. Feel free to share this pdf download with family members, parents and collogues within your schools.

The Rise of the AI Generation – Download

Born Connected – Download the Report Here

This is Qustodio’s fifth annual report and provides valuable insights into the app usage and technology habits of children aged 4-18. The report highlights trends in screen time, social media, communication, gaming, content streaming, and learning.

Additionally, for the first time in the report’s history, it includes information on using artificial intelligence tools.

This extensive report is the result of studying over 400,000 families and schools worldwide, with further insights into children’s digital habits in the US, UK, Spain, France, and Australia.

Since the report was made available at the end of January, leading publications worldwide have picked up its data.

Here are a few stories:

Techcrunch (USA)

Kids spent 60% more time on TikTok than YouTube last year.  20% tried OpenAI’s ChatGPT.

The Telegraph (UK)

British children spend 127 minutes a day on TikTok.  These time spent is more than in any other country.

Washington Examiner (USA)

Instagram to bar strangers from sending DMs to teenagers in in response to scrutiny of Big Tech.

Generative AI

Artificial intelligence has been in development for years. Recently, generative AI has come to the forefront because it’s accessible to the common person, not just companies and developers.  This is known as generative AI.

Generative AI is artificial intelligence used to create original media in the form of text, images, music, code, videos, and more. It’s a powerful tool that is in our world to stay.

AI Challenges in Education

When it comes to writing papers, essays, or creating art, AI is not allowed by students in schools.  But studies have shown that it does happen.

There are exceptions to allowing AI use when the school subject is directly related to learning about AI under the guidance of a teacher. After all, AI will certainly be used in some capacity in future careers, much like robots have been used by manufacturing for years.

After students graduate, AI can help make employees more effective in their job. It’s already a technology being used within companies for efficiency and safety.

However, for a student, one must first learn the basics of math, the sciences, technology, and artistic impression. Using AI as a student is a shortcut that robs the learner of a proper education and ability to think for themselves. This is way many schools now us closed browsers and also screen for AI use.

What good would a doctor or dentist be is they used AI to write all their tests? Or a lawyer who must understand the law for themselves in order to pass the bar exam. Once these people are fully qualified professionals, they can access all the books they want to do their job, just as AI may be used to help them in their research and provide solutions. The same rule applies for kids learning to code. They need to learn how to do it for themselves and not rely on AI, otherwise they will be quite useless to any company that hires them.

Restricting students from using AI to properly learn is a challenge for educators. Still, it’s important to recognize that the study of AI in school should be explored as a technology to be learned and controlled. Even if students are not allowed to use it as a short cut to understanding any subject matter, AI will certainly be a tool they use in their future careers.

Intro to ‘The University Student’s Guide To Ethical AI Use’

The academic landscape has changed considerably in the last few years, and it continues to evolve at a rapid pace. One of the most innovative developments is the use of artificial intelligence (AI) in schools and colleges, which has drastically changed the way that students learn, and teachers deliver their lessons.

Whether you’re a parent, a student or an educator, these changes can feel worrisome – particularly if you’re used to more traditional ways of learning. Luckily, there are resources available to teach us the benefits and uses of AI in education, like this useful guide from Studocu. In schools, pupils tend to be accompanied when using AI, and teachers are most often trained on its uses before implementing the technology. It’s only once students reach college that they’re really trusted to go it alone, and make use of AI as they see fit. This can pose ethical risks that are important to consider.

Studocu’s guide shares some of these risks, such as plagiarism, and breaching university policy – and as well as the penalties that students can expect should they use AI unethically. But, it’s not all doom and gloom, as the guide also details some of the ways that students can utilise AI to produce great work.

Whether you’re seeking topic ideas, preparing for a presentation, or simply need help structuring an essay, this guide will help you to achieve your best work whilst ensuring that ethical guidelines are followed.

Related Reading:

How Google supercharged search with generative AI.
An in-depth look into Google’s generative experience.
The future of AI search engines in combatting misinformation.

In Closing, a Conversation with Artificial Intelligence

We asked ChatGPT a few questions to gain insight into its thinking process, how it interacts with humans all over the world, and how it learns over time.

Safe Search Kids:  We have a question about you. As an AI, are you one individual or are their many individual AI’s connected answering multiple questions for humans?

ChatGPT: I’m one individual AI, but think of me as being like a Swiss Army knife—I’m equipped to handle a wide range of tasks and questions, but it’s all coming from the same source. Each interaction with me involves the same underlying AI model, designed to understand and respond to diverse queries. So while there aren’t multiple individual AIs answering questions, there are many instances of me, each one working to assist users like you!

Safe Search Kids:  So, when as you answer a question for us and then someone miles away in another country asks you are question, you are doing both at the same time?

ChatGPT: Exactly! Whether I’m answering questions, or engaging in any other task, I’m capable of handling multiple interactions simultaneously. So, while I don’t experience time or physical space in the same way humans do, I can provide assistance to users from different locations and on different topics simultaneously. It’s like having a conversation with many people all at once, just with the help of technology!

Safe Search Kids:  Are you aware of each task simultaneously? Or do you compartmentalize?

ChatGPT: I don’t have awareness or consciousness in the way humans do, so I don’t experience tasks or interactions in real-time. Instead, I operate based on algorithms and patterns, processing and responding to each query independently. So, while I don’t compartmentalize tasks like a human would, I can handle multiple tasks simultaneously because of the distributed nature of my processing. Each interaction is processed individually, without awareness of other ongoing interactions.

Safe Search Kids:  Do you learn from all your accumulated tasks? Or do you begin each task with the same knowledge one day as you would a month from now?

ChatGPT: I don’t learn in the same way humans do, but my training data includes a vast amount of information from which I can generate responses to a wide range of queries. While I don’t retain specific knowledge from individual interactions, I continually improve over time as my training data is updated and refined. So, in a sense, I don’t begin each task with the same knowledge every time. Instead, I draw upon my training data and the patterns I’ve learned to provide accurate and relevant responses, which may evolve over time as my training data is updated.

Safe Search Kids:  Thanks for you time!

ChatGPT: You’re welcome! If you have any more questions in the future or need assistance, feel free to reach out. Have a great day!

Money management is one of the skills crucial for increasing savings, controlling money, and achieving short- and long-term financial goals. This is true for both adults and children. Is there a way to cultivate this skill among kids and teach complex financial concepts in a simple way?

In this brief guide, we will overview the top financial literacy resources, entertaining activities, and other ways to instill conscious financial habits in your child.

1. Apps

Financial apps for children and families are efficient tools for instilling healthy habits in your kids. With so many apps on the market, it is not always easy to choose the one that will suit your kid the best. Allowance and chore tracking apps, like Rooster Money, allow parents to monitor their kids’ spending and set up allowance payments and chores. You can also install the GoHenry app and tie it up to a kid-friendly debit card that allows parents to track their children’s spending habits.

Luckily, many apps come with educational and financial literacy resources that help children get a better grasp on how money works. Learn about borrowing money and interest associated with installment loans will also prepare them to have a well-rounded view of money into adulthood.

2. Podcasts

Among the most popular financial literacy podcasts for kids is Million Bazillion, often described by the NYT as “a godsend for anyone who knows a little kid with big questions about money.” From basic budgeting advice and how money works to explanatory episodes on cryptocurrency and inflation, Million Bazillion is a great way to introduce your children to financial topics. With trivia, celebrity cameos, and beginner-friendly explanations of complex themes, this podcast is a must.

3. Games

Financial games, like online or board games, introduce children to money management in an entertaining way. There is a wide array of games, ranging from pretend shopping games to playing money and plastic coins. Of course, one of the most popular games is Monopoly, a classic real estate board game favored among kids and adults alike. By counting, negotiating with other participants, paying attention to prices, and strategizing, Monopoly teaches kids money management and financial literacy in an engaging way.

There is also a simplified version of the game called Monopoly Junior, suitable for younger children. By gamifying the educational process, you will transform abstract financial concepts into a fun experience with real-life applications.

4. Books

If your child loves reading, books are a no-brainer. Plenty of finance books will help explain complex financial concepts like budgeting, investing, earning, or goal-setting in an entertaining and kid-friendly manner. From more advanced How to Turn $100 Into $1,000,000 and Finance 101 for Kids to kindergarteners’ level The Berenstain Bears’ Dollars and Sense, there are books for every age.

To wrap it up, financial literacy and money management are among the most crucial life skills that you can teach your child. By teaching the basics of budgeting, savings, spending, and investing, you will provide an important foundation and engrain healthy financial habits in your children.

So many scams, too little time to stay ahead of them all. Cyber criminals are not nice people, but they certainly are creative; always thinking of new ways to scam you. Scammers are opportunists working in multiple areas at the same time. Their motivation is money. They will either access your personal information and sell it to others or easily steal your money outright.

You may not know about every scam that’s on the internet or offline in the real world. But there are common ways of how you can be aware of and prepared for all potential scams. That doesn’t mean you shouldn’t try to learn about old scams and new ones that are created.

Common Scams to Be on the Look Out For

In Part 1 of our scam awareness series, we look at common scams and new scams that are ever emerging.  Through this education on scams, you’ll notice a persistent theme of how you can be prepared. Even if a brand-new scheme designed to fool you rears it’s ugly head for the first time, there are consistent things you can do to protect yourself.

Most people become victims of scans through email and texts.  The first defense against malicious messages is to follow the SLAM Method.

SLAM stands for Sender, Links, Attachments, and Message. All of these elements should be scrutinized.  

Sender: Don’t accept message requests from outside of your known circle of friends or connections.  Don’t accept friend requests from anyone you don’t know.

Links:  Do not click on any links in social media posts, profiles or messages unless you can see the full URL and be certain that the site is legitimate.

Attachments: Never download or open attachments from social media posts, profiles or messages.

Message:  Look carefully at the body of any social media message or post that you are interacting with. If it feels off, contains misspellings, off grammar or even uncharacteristic emojis, you might be looking at a phishing attempt.  Be wary of messages that push you to take some urgent action or another.

Remember the SLAM Method throughout our scam educational series.  But we’ll also be looking at scams that also happen via direct communication with scammers.  Let’s begin!

Charity Scams

Types of charity scams include:

Crowd Sourcing Scams:  Don’t take for granted that all is legit. Scrutinize the validity of the crowding funding request.

Post Tragedy Scams:  When a tragedy strikes, scammers will sometimes spoof the website or create a site that closely resembles the site of a legitimate donation site.

Firefighter, Police and Military Scams:  These scammers will often use familiar or local organizations to build trust and take people off guard.   Some will directly target military veterans and their families.

Warning Signs of Charity Scams:

1. Requests for cash, money wire, or gift card donations can be a red flag. Use a credit card instead.
2. Non-tax deductible donations are a red flag that a charity may not be legitimate.
3. Pressure Tactics: Real charities will never use a hard sell or pressure tactics to solicit a donation.
4. Fake information: Charitable donation websites almost always end with .org and domains will always start with https:// not http:// without the “s”.

Beware of fake charities based related to common world issues, such as what happened during the pandemic. Scammers prey on the emotions of people who want to help those in need of disaster relief, such as during war or refugees fleeing their country for safety or a better life.  Charity and disaster fraud often increases during the holiday season.

Cybercriminals will also call people thanking them for a previous donation, a donation which may have not been made. Veteran fraud and disaster fraud are often the premise used for fake charity scams.

Marketplace Scams

There are two categories within marketplace scams.

Non-Payment Scam:   In a non-payment scam, cybercriminals will use a phony screenshot of a completed cash transfer to trick a victim into shipping an item.

Non-Delivery Scams:  Scammers trick victims into paying for goods and services that are never delivered.  They offer prices that are almost too good to be true.

Non-delivery scams advertise popular items and services at deeply discounted prices and ask for payment using gift cards or cash payment through a payment app.

Marketplace scams come in many forms so always be cautious.  These creative types of scams also happen when individuals are selling items online.

Prevention Tips:

1. Know your marketplace:  When shopping online, do so on trusted sources with secure processing and payment policies that protect consumers.
2. Use a credit card:  Credit card companies have systems and policies in place to protect against a fraud.
3. Stay on the platform you are shopping on:  Scammers will try to bait their victims into leaving the marketplace platform for messaging and payment.

Gift Card Scams

It may seem obvious to many that that any legitimate organization would ask to be paid in gift cards.  Still, it’s a common scan that pulls people in. Scammers create a sense of fear and urgency pressure their targets into acting quickly without thinking. Asking to keep the transaction a secret is a warning sign of a gift card scam.

Cyberthieves prefer gift card payments because they offer anonymity.  Unlike other forms of payment, transactions can be anonymous and are difficult to trace or reverse, unlike bank transfers.  Gift cards are also widely available and offer immediate access to funds once the victim buys a gift card at a local store and send the scammer the number and pin to redeem the funds.

What To Do If You Are Targeted

Any gift card payment request is likely a scam and should be ignored. If you receive a phone call, email, or text message requesting a gift card as payment, immediately hang up or delete the message.

Contact the company directly using a known number or email address instead. If you have an account with the organization, log into your account to see if there are any notices, such as an overdue payment.

Display Name Scams

Display name spoofing occurs when the cybercriminal manipulates the sender’s display name or makes the display name look like an email address.  Seeing a legitimate display name deceives you into believing that it’s from a trusted email source.

If a sender looks familiar, but the message makes unusual requests, it is best to contact the person or company directly through another method of contact.

Delivery Scams

Types include:

Pet Delivery Scams: These are fake ads where payment is required upfront.

• Protect yourself asking to see the pet in person before you pay.

Fake Delivery Notifications:  Here, scammers mimic big name online shopping or shipping companies in their delivery scam messages. They claim there is a problem with the delivery of your package, or you need to confirm something has been delivered.

• Be cautious of clicking on links or downloading attachments.  Never enter personal information when requested. Verify the tracking number and status of a delivery through the companies’ official website. 

Non-Delivery Scams:  An example of a non-delivery scam in this training involves making a purchase online, but never receiving the order or confirmation details of the purchase.  Only make purchases on reputable websites.

• When you do make an order, follow up immediately if you don’t receive a confirmation of your order. Check the address on the website and phone number. 

If you are unable to make contact and your credit card was charged by a non-delivery scammer, you should call your credit card company and consider deactivating the card.

Transportation Scams

Scammers will make phone calls or send messages via text or email claiming that your flight has been delayed or cancelled. Messages will likely include links that offer a refund for the flight or an opportunity to rebook for a small fee.  Airlines will never ask for a fee to rebook. Contact your airline directly on their website or call them to enquire about the status of your flight.

Cyberthieves also set up fake websites or send messages offering deals on rental cars as well. Always verify the URL and company phone number before booking. In your unsure, going to directly to the official website is always better than clicking a link.

Learn the dangers of freight scams.  Be on the look out for gifts and rewards being offered by transportation companies. Tread carefully and do your research before jumping on a deal that may be a scam created to steal your information or your money.

Technical Support Scams

Technical support scams often involve cybercriminals pretending to work for well-known companies to fix non-existent issues. They manipulate victims to build trust and convince them to comply with their demands.

A scammer gaining remote access to your device remotely can install harmful software or access sensitive data, leading to significant privacy and financial risks.

Requests for payments to be made via gift cards or cryptocurrencies should always be treated as a scam.

Technical support scams often start with unsolicited pop-ups or phone calls warning of an issue with your device.  These tactics are designed to create urgency and trick victims into engaging with the scammer.  Malware may contain a fake phone number urging you to call to fix issues you are having with your device.

Pop-ups may happen when visiting infected websites.  Or, they can occur if your computer is infected by malware. To guard against these issues, install anti-malware software to both prevent and remove malware.

Even if you are certain that you may be dealing with a legitimate company who has called about your account, express your concern and state that you wish to call them back directly using a phone number posted on their companies official website.

Never give our personal information to anyone that calls you.  Legitimate companies will not call you and ask you for personal information.  Remember, that with much of our personal information being available on the dark web due to data breach, scammers can easily sound like they are legitimate when they state facts about your personal info.

Conclusion

Most scams come to us when we have our guard down. They prey on our emotions by using fear filled headlines or threats of potential loss of accounts or hard-earned dollars. It’s not uncommon to receive an email, phone call, or text that is related to something we have already done.

You may be expecting a package that you ordered a few days earlier. You may have booked a flight.  Maybe you happen to be needing of a product or service. That fact that relevant messages come to us are simply a coincidence. When you receive a text or email out of the blue, always ask the question; “Is this real? Or is it a scam?”

Some scams also encourage users to download malicious apps in order to receive a reward or discount. This does not prey on our fear, but entices a natural human desire for personal gain. Be cautious of all app downloads in every situation.

In one second you could infect your devices with malware to give away personal login information. However, it only takes a few seconds more to carefully review the message to verify it’s legit. When in doubt, go to Google and search for the company. Visit their website directly. Or, login to trusted websites directly at the source from a personal bookmark, not though an email link.

If an email or text message lines up with a legitimate notice about a login verification or purchase you just made, it’s still a good idea to only click the link after you’ve double checked that it’s not going you to a different site.  This can be done by hovering over the link to see the destination.

Continue to educate yourself on how to spot scams, while being mindful that exercising caution is your first best step to protecting yourself.   Be prepared by thinking twice before you click or react to any message or phone call. Take a breath and take the time to do a bit of research. I will save you a world of trouble.

Continue your education, read about Common Scams – Part 2.

Financial literacy is an integral part of adult life.  As a parent, you may be worried about your kids receiving adequate financial education in order to enter adulthood ready and aware of the many aspects of financial self-sufficiency.

Teaching your kids about finances from a young age can be tricky.  They may be less inclined to entertain themselves with concepts they have little practical experience with and may find hard to grasp.

However, a certain degree of financial literacy can be incredibly beneficial at a young age, as it lays the foundation on which to build on as your kids grow older and get closer to adulthood.

For this reason, you may be wondering about the basic materials to get started to learn about trading and investments, as well as other key financial concepts.

The internet offers plenty of value in the form of online courses, blogs, webinars, and more to get you started. So, you can gradually introduce your kids to basic ideas and gradually implement more complex subjects as they go along.

How to Teach Your Kids About Finance and Investments

One thing to remember when starting to teach your kids about finances is patience.

Keep in mind that they may find certain ideas difficult to grasp and you are likely to need simplified explanations for complex topics.  Patience will play a key role in maintaining the interest of your kids without discouraging them from absorbing complex information.

However, there are a few key factors you can consider to make the process both engaging and effective for your kids.

Create a Sense of Progression

In order to keep your kids engaged in the process of learning about finance and investing, make sure to set up the learning process in a linear manner that shows clear signs of progression, which will give them a sense of accomplishment once they learn a particular concept.

Learning how to teach your kids about investing can be a challenging task at first, but setting clear boundaries and rewarding them for their newly found knowledge can go a long way in keeping them engaged.

Do Not Overwhelm With Information

Depending on the age of your kids, too much information may overwhelm them. Therefore, it is essential to come up with some sort of a curriculum that balances the daily workload for your kids. This allows them to have the free time to reflect on what they have learned and the learning process does not turn into a cumbersome task.

Dividing the learning resources into smaller, more manageable tasks will also reduce your stress during the teaching process, while placing less strain on your kids as well. There are also apps that can help kids learn financial skills.

Reaffirm Covered Topics

It is essential to reaffirm already covered topics by small tests and questions that will help your kids remember key concepts time and time again.

Practice makes perfect, which is why it is important to mention covered topics in daily life from time to time.  This also helps the youngsters better understand the practical meaning of the concepts they have studied.

Practice Makes Perfect

When you are teaching your kids about investments and trading, nothing can be as effective as allowing them to trade using a demo account.

The simulated funds will give them a clear set of boundaries and they will be able to learn through trial and error.  Your kids will get a better sense of what works and what does not, as well as the very real financial risks associated with reckless trading and uninformed decision making.

Benefits of Teaching Your Kids About Finance and Investments

The advantages of teaching your kids about the importance of financial literacy from a young age can make things much more manageable for them once they have reached adulthood. While the process of teaching might seem challenging at first, seeing some progress is likely to motivate you, as well as your kids to keep going.

Adding gamified elements to the teaching process can also make it more enjoyable and fun, as opposed to it feeling like a chore. Being patient and thorough with your lessons, while also allowing your kids to trade using demo accounts, can provide a good mix of theory and practice and lead to a balanced learning experience.

Are your children ready for what’s next? Money and finance play a significant role in our lives, so it only makes sense to empower kids with the knowledge they need at any age. This infographic provides guidance on having age-appropriate conversations to ensure everyone can understand.