This is the second of three sections expanding on the original piece titled, Self-defence is Not Just Physical.

In the modern world, being financially stable can be harder than ever, especially when the vast majority of people are living paycheque to paycheque. One of the biggest mistakes the average person makes is not thinking long term, but rather choosing instant gratification; getting something now and having nothing for later. A common belief is that our school systems do not spend enough (or any) time on financial literacy. Basic education should include simple things like how to put together a rudimentary budget, how to prepare your taxes, or how basic investing works.

While we often blame the rich for getting richer as the poor get poorer, one of the reason this trend continues is that either “the rich” understand how to make their money work for them, understand the financial system and how to protect their money, or they have the resources to hire the people who do.

For most of us though, it’s really a matter of understanding we are starting with less. So unless you happen to have the next “big idea” it’s going to be a long term thing. Work hard when you are younger and invest smart, then maybe you can retire in your 40’s or 50’s.

While I am no expert, I can certainly tell you the things that I have learned (mostly from screwing up and being broke). What I can say for certain is that part of personal self-defence is the ability to be ready, financially, to deal with the inevitable financial blows that life will throw at you. Even if that means you had solid enough financials to have a line of credit on hand in case of emergencies. Though having money in the bank is ideal, having financial buffers will save you from the deep hole that is financial ruin. So be smart, and include financial planning in your self-defence plans.

Don’t Spend Past Your Budget

As a martial arts instructor teaching a style that is not overly popular in my region, living on a tight budget is something I have become used to. However, as the world is increasingly difficult to survive in with less money, managing what little you have is key.

A question I often ask myself is, “how do people who make 4, 5 or 6 thousand dollars a month, after taxes, still manage to be broke (or at least say they are)?” It’s probably because they seek instant gratification and buy everything they can rather than preparing for the future. They seek experience and the “now” over anticipating the future. While that’s fine sometimes, do it too much and you may be on the path to financial disaster.

Of course, the less money you have the harder it can be to stick to your budget, because you may have to make important decisions on what to buy or which bills to pay (especially in with complications like Covid-19).

It’s at these times in life when budgeting comes in handy, or rather it would have had you done it. One of the hardest things for people to do, especially when they don’t have much money in the first place, is to include in their budget a “rainy day fund” and retirement savings. They may not seem important now, but they are! (I’ll come back to this.)

A basic budget should include necessities such as housing, food, and, in most cases, transportation. Anything beyond that, at least according “Maslow’s Hierarchy of Needs,” may in fact be a luxury. If you have the money to spend more, then have at it. But if you don’t, think, do you really need the newest iPhone?

Ok, so enough talk. In the absence of credit, a budget is simply the act of planning your finances so that money coming in can cover the costs of money going out. If you have no credit, or options similar to this, then a budget is a MUST. If you do not create and follow one, then you may find your self not eating.

Lets look at something simple.

Mike has $3,000 after taxes every three months.

  • Rent = $1,200
  • Food = $500
  • Transportation = $800

After the basics are covered Mike has $500 extra a month. Most people would spend that on eating out or “toys.” A smart planner would take some of that and put it away, even if it’s only a little. Lets say he puts $100 a month away into retirement savings and $100 into a emergency fund, that now leaves $300 for entertainment and toys.

What if Mike works hard and earns a raise? He now has $3,200 every three months. If Mike was already financially stable, why not put the extra money directly into savings or investments. If he was doing fine without it, then he will have a $200 boost in savings without noticing a change in his lifestyle.

While most people these days do not like to operate in a frugal mindset, in the long run planning investments and emergency funds into your budget is crucial; so that in the hard times you are not destitute. So be smart, start early and reap the later benefits of a well planned budget.

Invest Early and Consistently

Assuming you manage to put something away for investments and retirement, the earlier you do it, the better. Have you heard of something called “compound interest?” Essentially it’s interest on the interest. This is the key to long term savings and building your early retirement.

If I put $100 into my retirement savings, and it averages a 3% return annually, then after one year it’s $1236 (depending on the frequency interest is compounded). The next year I put in another $1200, which would also receive the 3%, but so would the original $1236, resulting in $2509 rather than just $2,472. Which basically means that first $36 in interest, which you didn’t invest from your pocket originally, is continuing to grow for you. The earlier you do this the more the interest stacks, and the longer you have the more you earn.

If you started saving for retirement in your 20s vs your 30s the difference in the end number can be quite staggering. The amount of money you would need to put in during your 30s, to get the same results you would have gotten if you started modestly in your 20s, is quite a lot more than you think (the math is out there). I say again; Start early, even if its only $50 per month.

The best way to start early is of course as a parent. Start saving for your child’s future, (and not just for school) in a trust and your child will have an amazing head start. of course don’t just give it to them when they turn 18, make them wait and ensure they have learned financial literacy and good spending habits early.

Another important consideration in favour of investing early, and consistently rather than lump sum, is the ability to average out your costs of purchases across lows and highs in the market. The idea of “buying low and selling high” really isn’t what you think. Even the worlds greatest investor Warren Buffet, doesn’t try to time the movements of the market; he does his research and plays the long game.

Even when the market crashes it can be an excellent time to buy, if you are planning for the long term, that is, if you are buying more conservative “blue chip” funds, rather than trying to play the actual stock market. Which is not advisable, unless you have lots of disposable income and really know what your are doing. For the record, most people I know who play the regular market with only a few thousand dollars (which they can’t really afford to lose) typically lose. So play the long game and be smart about it.

Remember, even if you had invested in Apple, Microsoft, or Amazon early on, only to sell a year later and make some money, it is nowhere near the amount you would have made if you had held on. Of course, there is also no way of knowing which companies will be the next big ones, so if you aren’t sure I suggest leaving it up to the experts.

Nowadays, due to online banking, you can manage your money on your own. That being said, buying the professionally managed funds, in the long run in most cases, is going to give you a higher return than simply guessing and playing the lows and highs. Why? Compound interest and people who know better than you.

So start early, be consistent, and don’t just gamble, play the long game.

Diversify

Unless you happen to get lucky with the next big stock, and cash out just in time for you to see the crash, it’s best to diversify. In reality, even the best investors can’t time the market and may lose billions in one big market swing or crash. Those who come out on top tend to do so because they play the long game and have diversified portfolios, they still have money working for them, somewhere, when a crash outright destroys others.

Diversifying basically means “do not put all your eggs in one basket.” Even if you are playing conservatively and sticking to large professionally managed funds, you should have your money spread out between a variety of categories. Though what percentage is split how is totally up to you. Maybe you have 50% of your money in funds tied to your country, 30% to precious metals, and the remaining 20% in highly volatile, high-risk-high-reward, stocks. Maybe you have a different break down, really it’s up to you and your money managers to decide based on your own comfort and goals. Diversifying will almost always give you more protection if one area does poorly, and can help you with that dollar-cost averaging in the long run, making you come out on top even if times are tough.

Remember, the Dotcom bubble of the ’90s, or the more recent Crypto currency bubble? People lost everything because they put everything into a single venture and lost it all. Consider that if you are hearing about it on the news chances are the people who made the real money are already out and you are just a sucker.

Of course, if you want to put 20% of your money into such risky endeavors, no one is stopping you. You may make a killing, but it is all about when to sell, and most people sell too late. But, if the rest of your money is tied up in safer funds, then at least that 20% loss wasn’t everything.

Be smart, diversify, and (you guessed it) play the long game.

Conclusion

I should remind you at this point that finances are not my expertise, and I, admittedly, I do not have much money. These ideas are based on the lessons I have learned the hard way. Wisdom that only now have I realized I should have known and acted on years ago. But, if you don’t have a lot of money the banks rarely give you the best advisors; you usually only have conversations with sales people at the lower level. If no one in your family or circle of those who you look up has a good grasp on financial literacy, you may find yourself drowning in debt.

The earlier you learn these skills the better. Remember, most “get rich schemes”are just that, schemes. They fail for almost everyone and result in large financial loses. So try not to get swept up in the hype.

Protect yourself and your finances through smart financial self-defence. This includes knowing enough to know when someone is feeding you bullshit. For if you simply give your money to someone to manage outright, and you don’t know enough to check, you could actually find yourself losing it all to the next big Ponzie scheme (read up on Bernie Madoff).

Become financially literate, learn enough to play the long game, and start early. If you do, you will be in better shape than the majority of the population.

Remember, self-defence is not just physical. What other skills might you need to properly defend yourself in the modern world?

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This week’s Krav Maga curriculum: Mar 30th - Apr 5th

Digital Self-defence

Posted: March 24, 2020 by Jonathan Fader in Self-defence in General
Tags: , , , ,

This is the first of three sections expanding on the original piece titled, Self-defense is Not Just Physical.

As much as you may try to resist, myself included, the future of humanity is looking more and more digital. I am a member of the “bridge generation;” I was born before the wide spread use of the internet, but was also fortunate to have it in my home early. Though I am not a tech wiz, I am fairly comfortable with technology (to a degree). For some tasks I prefer the old ways, like taking notes by hand (who am I kidding? I won’t read them either way), for others I prefer the new ways, like listening to audio books rather than reading (It’s more efficient since I can’t read and drive, but I can listen and drive!)

No matter your preference, it is here and it is not going anywhere; so you need to adapt or proverbially die. While it is easy to simply think of self-defence as responding to a physical attack, don’t forget that there are many ways you need to protect yourself in the 21st century; which now includes our digital self.

While your data and information is more secure, there are alos more ways to attack it. Additionally, many companies, like Google or Apple, are selling your information to the highest bidder. Remember, their “free” services are not the real product, you are. The thought of which, as a human being who prefers some level of privacy, can be quite disturbing. So how do you protect yourself in the increasingly digital world?

First off, get educated. If you are one of those people who refuses to learn how to use technology, I am sorry, but you will find yourself in the dust as you become more and more reliant on those around you who do understand it. If you are a parent, this often means your children. Consider also that, trust me, if they know how to use technology better than you, there is very little you will be able to do to protect them from all the internet has to offer; they will find a path to it. When it comes to technology and how to use it, your kids may actually be smarter than you.

So now is the time Start learning!

When it comes to protecting your online data, something to remember is that criminals are always looking for new ways to steal from you. So, learning a few ways to protect yourself will help stop them, as cyber-criminals generally do not want to waste their time on difficult targets. Like on the street, predators attack the weak.

Passwords

There is a reason that passwords are no longer the only way to protect digital content. Most people choose garbage ones. If your password is a standard one that anyone might use, or is easy to guess by perusing your Facebook page, then you may find yourself getting hacked; especially if all your information is public.

Terrible passwords are still shockingly common, for example “password,” “123456,” or “QWERTY.” You are not clever, you are being lazy if these are what you are using. Also, using anything related to your birthday, your children, or your pet’s name can be very easy for hackers to figure out.

Modern standards recommend passwords that are comprised of long strings of randomly generated numbers and symbols. These are not only impossible to guess, they are also impossible to remember. Example: dtN6Vn-X@2yqGhe^

While these are very strong passwords, as it would take forever to decrypt one, you will likely rely on Google or Apple to remember them for you, making it unlikely you will remember it in an emergency.

Though not as strong as a random string, a “Passphrase” is a good option. This is a string of unconnected words, with both caps and lower case, maybe even 1 or 2 numbers or symbols added in, that are much easier to remember. Example: PurpleMonkeyHeart1(

No these are not passwords I use so don’t bother trying.

By being random and having unconnected words, passphrases make it much harder for even the best hacker to “brute force” through.

With that being said, if they really want to they can probably get in, that is why they started adding multi-factor authentication to most systems. The most common of these being two-factor authentication (2FA) or two-step verification, confirming you identity via a code sent to your e-mail or phone number. Though, as I recently found out, there are scams that can even get around this!

The best two-step verification is actually to have a verification program on your phone that randomly generates a verification code when you log in, which changes every minute or so. These are very, very, very difficult to get around, but, if you lose the device it is on you may end up getting locked out in the end (it happened with a lot of crypto-currency accounts that required such security).

No matter what password you use, just make sure you don’t use the same one for everything, that you change them periodically, and that you ensure they are strong and something you can remember with out help.

IP Protection

Before looking at Internet Protocol (IP) protection, let’s talk about what an IP is.

An IP is essentially your digital address. Every device connected to the internet has one.

They look like this 45.85.91.20

While it’s a bit more complicated than that, for the sake of this article let’s keep it to that.

Why should you protect your IP? Easy, it is another way to help prevent people easily getting into your computer and data. This includes both malicious hackers, data-mining companies, and the government.

Where it once took high level tech, knowledge, and skills to mask your IP address, now you can purchase and set up what is called a Virtual Private Network (VPN).

Essentially, a VPN sets up a second IP to mask your actual one. You can even set your false IP to indicate that you are in another country, making it hard for people to figure out where exactly you are. Yes, this includes the government. Generally, unlike the movies, most government agencies will have a hard time tracking you if you have a VPN, or multiple VPNs, set up. While eventually they could track you, it will take time and resources; which, in most cases, is not worth their time.

Outside of protecting yourself from “Big Brother” it really just makes it harder for hackers to break into your computer or network, encouraging them to seek easier prey.

Consider also, if you regularly use public wifi and do not have a VPN set up on your computer, phone, or tablet you may not be as protected as you think. Public networks, such as those at Starbucks, are easy targets for criminals looking to get into your computer. And trust me, you will not even know they are there in your device until it is to late.

So what are you waiting for? Mask your IP and protect your devices today!

Various Scams

Last but not least, Scammers. These are, generally, the main threats that you have to protect yourself from. Once someone is able to get into your system they can steal all your information. While there are numerous ongoing scams out there, I am only going to cover a few to give you an idea of how people can bypass security. From least sophisticated to most sophisticated:

Send me money…

These scams are as old as, well, people and society (I think). The only difference is now, instead of getting a person at the door or a physical mail, you will get an email. These scams are easy to spot if you know how to look, and they usually target vulnerable groups like the elderly and immigrants. (To accomplish this, they are often written with poor grammar, as the sub-par writing eliminates people who are too educated or discerning to be viable targets.)

Actually, as a martial arts gym I regularly get these.

An email that starts with “Dear Sir or Madam” is usually a red flag, as it’s probably someone who paid to get your email and does not actually know who you are.

Common approaches are people pretending to be long lost relatives in need of money because of financial hardship, or someone stuck in another country.

In general, the best way to deal with them, other than learning to spot them right away, is to start asking questions. If they cannot give you detailed answers without you giving them information first, it might just be a scam.

The example I am going to use is the one I usually have to deal with:

It’s typically someone asking for private lessons for 2-3 kids. They state that they will send a private driver with a (fake) cashier’s check for much more than the agreed amount, asking that reimburse them for the difference and give the cash to the driver. Usually they want cash, or if they say “give the credit card to the driver” it means they want to copy it.

The first time I got this I took it seriously, now any time someone asks for private lessons involving a private driver and kids, I usually just ignore it. Remember, if it sounds to good to be true, it probably is. Additionally, if it seems suspicious (and convoluted), it probably is.

Guard your information, particularly your credit card information, and never give money to someone who is supposed to pay you (that one should be a no-brainier)

Phishing Scams

What is a phising scam? Wikipedia says this:

Phishing is the fraudulent attempt to obtain sensitive information such as usernames, passwords and credit card details by disguising oneself as a trustworthy entity in an electronic communication.[1][2] Typically carried out by email spoofing[3] or instant messaging,[4] it often directs users to enter personal information at a fake website which matches the look and feel of the legitimate site.[5]

Phishing is an example of social engineering techniques being used to deceive users. Users are often lured by communications purporting to be from trusted parties such as social web sitesauction sites, banks, online payment processors or IT administrators.[6]

These scams usually require you clicking on a link, and can come in email or text message form. These days they can even look like they are coming from a legitimate source, such as your phone provider or a Federal department.

In fact, this was the kind of scam used in the infamous Hillary Clinton emails scandal. While the focus was on her having a private server, the crucial fact was that intruders gained access because some fool clicked on a link disguised as an official-looking password reset. Except, the sucker victim never requested a password reset… but because it “looked legitimate” they clicked away.

Never click on a link you are not sure about, did not request, or is within a message containing spelling errors, incorrect logos, or odd URLS.

If you are not sure, always check online to find the appropriate contact information for the actual company or group involved, and double-check with them if it is legit or not.

By the way, these scams cause havoc for legitimate business entities as well, as real messages often get ignored because they appear fraudulent (eg. private lessons emails). When in doubt double-check and never click that link if you are not sure.

Though this type of scam is more sophisticated, as it requires actual computer and tech skills not just the gift of the gab like the previous one, it still requires the victim (you!) to actively do something for it to work.

Port Scams

This last one is the MOST sophisticated, as it is fairly recent and often by the time you have realized anything has happened all your money is gone, credit card is maxed out, Amazon and PayPal accounts racked up, and you are sitting there wondering why the hell the companies you were paying did nothing to stop it.

This is a scam that actually targets your cellphone information.

Remember how we said that many accounts now require a two-factor verification, which usually means sending a confirmation text to your phone for actions such as password resets? This scam targets that system.

It seems to have popped up in the last few years, but even with media coverage very little has been done about it; as what phone company wants to admit they have glaring holes in their client security.

How the Hackers get your phone and personal information, which often includes your email, I am not entirely sure. It is possible that they pay-off some low level employee at the phone companies (another reason why you should be nice to people), or perhaps they get one bit of your info and employ “social engineering” across a few services.

Once they acquire enough information they are able to contact the phone company and pretend to be you in order to “port” (transfer) your phone number over to another carrier on their device, which is most likely on a burner phone.

They will now receive all of the password reset texts.

Now all they have to do is go into your email, Amazon, PayPal, etc… follow the “forgot password” steps and, since they now receive the verification text, they change your password to one of their choosing and log into your accounts.

See, your phone carrier, email provider, Amazon, etc. just got duped and their entire sophisticated security network is now breached, and within less than 24 hours you are totally and utterly screwed. By the way, if you lose your email this will include any personal material you have stored there, such as x-rated photos or sensitive personal and work information.

Sometimes these hackers will even blackmail you, demanding money in exchange for not releasing this private material.

Insidious, I know.

You will now be on phone call after phone call, losing your sanity as every single person you call (usually low level, call-center people) probably don’t even know this is a real thing yet.

How do I know it is? It happened to someone very close to me!

So, no matter how good the security is, “where there’s a will, there’s a way.” Those pesky scammers and hackers will keep evolving, and they will find ways around the newest security. Be careful, and always, immediately follow up on any text or email that mentions your number being ported. Because if you get that, it probably is, and it will only take 10 minutes for them to do it.

How you can stop this? Call your phone provider and ask for port protection if its not already there. It means your number cannot be ported with out a lengthy process, which is too long for most scammers.

At this point I don’t know why this is not already automatic, but I suppose it means the phone companies would have to admit they are at risk, which they never do!

Conclusion

The best way to protect yourself is through education and due diligence. Avoiding technology because you do not like it or don’t understand it means you are actually an easy target. Don’t trust anything suspicious and follow up if you need to. Soon the world will be more digital than analog, and just like physical self-defence, you are responsible for yourself because no one else really cares, or if they do, you are the front-line and are able to react faster to stop potential data leaks or hacks. So, be educated, be proactive, and keep your wits about you.

This week’s Krav Maga curriculum: Mar 16th - 23rd
This information may be slightly out of date. It was pulled on the date of writing this article.

Since my entire month of travel has been cancelled and I now have a bit more time on my hands, I thought I would discuss the global outbreak of SARS-CoV-2, the Coronavirus that causes the COVID-19 disease. The blog series I had recently started makes the point that self-defence is not just physical; there are often many other areas of life that require a bit of Critical thinking and self-defense strategy. Living in a pandemic is just such a scenario. I am definitely not a expert on diseases or epidemiology, but I can apply reasoning and critical thinking to know that, while the Coronavirus is definitely cause for concern, the global reaction is very much one of panic in the face of a lack of planning. But don’t just take my word for it, see the stats for yourself in this awesome info graphic (left).

Or, if you want a more in-depth explanation from an actual expert, listen to the Joe Rogan Experience, Episode #1439, with Michael Osterholm, an internationally recognized expert on infectious diseases and epidemiology.

Otherwise, I will attempt to sum up what he said:

  1. Yes, this new Coronavirus is concerning, but this is mainly due to the fact that it is such an easily transmittable viral strain compared to previous ones, like SARS or MERS. This is due to the fact that once you have it you are immediately able to transmit it to others. With previous Coronavirus strains you would not be able to transmit the virus until you already knew you were sick, 4-5 days in. This means that, for the current strain, SARS-CoV-2, you could have it, not know you are sick and transmit it.
  2. Unlike other strains or viral outbreaks children seem to be relatively unaffected by it. While they can contract the virus they are generally less likely to develop COVID-19. In Fact, Osterholm believes that closing schools is unnecessary and will do more harm than good, from both health and economic perspectives.
  3. The early claims about touching the face as the primary means of spreading the virus are not true. This strain is airborne, passed on by breath and breathing. As Osterholm states, trying to stop this strain outright is like trying to stop the wind. Unless you plan on being in a hazmat suit 24hrs a day, you can still contract the virus simply by breathing. His advice was to not panic and LIVE YOUR LIFE!
  4. This strain is essentially a REALLY BAD FLU for most sufferers. This means that, generally, the only people who need to worry are those past retirement age (55-65), those with compromised immune systems, or complicating heart or lung conditions. Essentially, the same people who would need to worry about getting any kind of flu.
  5. You should wash your hands regularly and practice good hygiene… you know, like you normally should…
  6. The best thing you can do, is eat healthy and be healthy. This includes continuing with exercise as normal. The healthier you are the better you can manage COVID-19, or any flu for that matter.
  7. DON’T PANIC! THIS IS NOT THE ZOMBIE APOCALYPSE! THERE IS A LOT OF MISINFORMATION AND BS OUT THERE! CHILL OUT!
  8. I am sure there is more, but it’s a long podcast, so listen to it yourself.

I hope you get the point here; while there is a legitimate concern as the World Health Organization (WHO) has now given it pandemic status, there is a lot of misinformation and fear-mongering out there. So stop panicking and STOP HOARDING TOILET PAPER, it won’t save your life for shit! (Get it? I am punny.)

A more up to date resource for Canada can be found here!

Facemasks and Respirators:

Way back in 2008 I completed my certificate in Occupational Health and Safety (OHS). One of the areas of study was knowing how to properly use respirators, for health and construction. WAY BACK THEN, I knew that the generic surgical masks do not protect you from airborne viruses, and yet people and governments still seem to believe they do. This is because they were only meant to stop water or vapor, from a cough or sneeze, from landing anywhere other than the mask; but, because they do not create a tight seal, air and the breath of others can still get through. N95/N99 masks are far better, as they are able to create a better seal and have a more advanced filtering ability. However, the issue with these as that movements can break the seal, meaning that, while they work great for particulates, viruses are very small and may still be able to get through the edges. This is why, if there was an epidemic of an actually deadly nature, you would want a proper respirator with a rubber seal and replaceable filter cartridges. I, myself, have these, just in case, though I generally do not plan on walking around the streets looking like Bane just because of COVID-19. Though I would absolutely do this for a more serious outbreak, because, again, these work. Of course, to be absolutely sure, you should go get your mask “fit tested” to ensure it fits properly on your face.

The Great Toilet Paper Shortage of 2020

For some strange reason people have decided that the most important thing in the world is toilet paper. When I have talked to my friends we all are scratching our heads as to why this, toilet paper, is the item people are hoarding in a pandemic. Not water, you know, the thing we need to live. Not food, also the thing we need to live, but rather a thing we have become accustomed to for comfort.

I thought I would take this time to remind people that before toilet paper people managed just fine. Its called water, a leaf, or washable cloths. Would I enjoy wiping my ass with a re-usable cloth that I need to wash? Not particularly. But, am I going to wake up 2 hours before Costco opens to wait in line for toilet paper? Absolutely Not! Or, assuming running water is still there, you can always get in the shower.

Seriously people, what is wrong with our priorities?!

Coming to Krav Maga Classes:

Given that the best defence for this virus is to stay healthy, if Krav Maga, or any martial art, is your primary means of exercise, then you should still come to class.

The only reason you should not come to class is:

  • You have cold/flu-like symptoms.
  • You are coughing or sneezing regularly.
  • You are feeling “sick” in general.
  • You are injured to the point of not to be able to train (though we still recommend you come and observe in this case).
  • You have traveled out of country recently.
  • You have tested positive for COVID-19 (Self Isolate!)

Aside from the last two, these are basically the same reasons you shouldn’t come to class under normal circumstances.

Coming to Class:

  • Wash your hands as soon as you come
  • Wipe down any equipment you used
  • Feel free to wear face masks in class

So, in summary; stay healthy, WASH YOUR HANDS (like normal), and come to class.

I hope this clears up any confusion and assuages fears that you might have. As for me, at least at this stage in the pandemic, the existence of this virus simply isn’t a good enough reason to not come to class (unless it mutates, then I might reconsider)

So stay calm and carry on. And, for the LOVE OF GOD, please stop panicking!

  Mental and digital attacks can be as harmful as physical ones. (©Photo: PIxabay)

Once upon a time, learning to defend yourself was a simple matter of fending off wolves and stopping physical violence from others. OK, not so simple, but still much more black and white than the kind of things we need to defend ourselves from in the 21st century. Where it was once only about the physical, now we need to consider many other factors.

Don’t get me wrong, physical self-defence is still very important, as it is so fundamental (and I have, after all, dedicated my life to teaching others to defend themselves from physical violence). Even though the physical aspect is what would be considered more my area of expertise, I am aware of, and often talk about, other aspects of life that require a kind of self-defence strategy (in addition to the knowledge and skill to deal with them).

I will be discussing three areas of interest that I think people often need help in understanding so that they can properly defend themselves. I will expand on each of these topics in subsequent posts.

These are;

  • Digital Self-defence
  • Financial Self-defence
  • Mental Health Self-defence

Digital Self-defence

Everything that was once pen and paper, to be found only in specific buildings now forgotten, called libraries, is now stored digitally on computers or in the cloud, accessible to anyone with enough skill or patience to trick the systems.

While we often think it’s mainly about having a strong password, many people still use Password01 or 123456 (terrible ideas!). Digital security is so much more complicated than that.

Do you know what a “phishing” scam is? They are very common, yet many people still fall prey to them. In fact, the famous “Hillary Clinton email hack” was traced to someone falling to such a scam (and should have known better); as case in which phishing changed the course of political history for all to see.

Or how about a “porting” scam, in which scammers transfer your phone number to another carrier so they can reset all of your passwords. So much for 2-step authentication.

It can be easy to fall prey to these if technology is not your thing. Best case scenario, you simply have to change a few passwords. Worse case scenario, you have your entire savings cleared out in seconds.

So have you done everything you need to do to preemptively protect your digital self?

Financial Self-defence

Did I mention you can have your savings wiped out if you fall prey to digital scams? That is to say, if you in fact have any savings in the first place.

More and more, especially in the younger generations, people are struggling to defend themselves financially. Either because they can’t manage to save any money or they are not sure what to do with what they have.

Investing can be scary, and preparing for your retirement is something that can be put off for a long time because you feel like you have forever until that day. However, the earlier you learn financial self-defence, and thus the earlier you save and invest, the better of you will be.

Yes, financial literacy is extremely lacking, and it is increasingly harder to manage things yourselves without, ironically, forking out loads of cash to pay an expert. The thing is, the more financially literate you are as soon as possible, the easier choices will be in the future. That is, unless you happen to start during a black swan event, like what’s been going on in the market recently. Then its just bad luck.

Either way, how financially prepared are you to deal with the inevitable ups and downs you will face throughout your life?

Mental Self-defence

This is a topic which I have discussed before, and for many it may in fact be the hardest thing to deal with. How you address it will also depend on where in the world you are when you read this; it may or may not be considered a culturally acceptable topic, or there may not be support readily available for mental health.
Additionally, mental health, realistically, is relatively new topic in its own right, and as a result there are many aspects we are still trying to figure out, which means finding meaningful and closer-to-correct answers can be difficult.

“Difficult” becoming “seemingly impossible” if you are in the middle of a specific mental health crisis. On this I will argue, like all self-defence, that, if you are able to, you are the one most responsible for regulating and rebuilding your mental health; even when you have strong support networks. If you don’t have a support network, then know that you are not alone in the world.

This topic is very sensitive and it is often connected to experiences related to physical self-defence. Or it may be connected to other considerations, such as genetics, family history, or particular non-violent events in your life. Either way, it is a complicated subject and requires a certain level of understanding and knowledge to truly delve into.

Yet day-to-day mental health and happiness may be more important than physical self-defence, assuming you are in a safe country. If you are somewhere that physical self-defence is still a big part of your daily life, then often your mind may be too preoccupied to even realize that you are suffering a mental health problem.

Just know, as with physical self-defence, there are training options for both preventative measures and coping mechanisms to deal with such issues.

Conclusions

One thing to remember, in this world that is increasingly more and more complicated, is the importance of understanding that everything is interconnected. Only focusing on one area of your self-defence really is only looking at one part of the picture. It can be hard to understand it all, but if you are oblivious to the workings of your life, your emotions, and the world around you, then it will be even more difficult to overcome hardships when you are blindsided by events that you could have done something to stop, had you been aware.

Remember, no matter what type of self-defence you are practicing, at the end of the day the only person who can really protect you, is you. Waiting for others to step up may often just mean disappointment, which means further conflict, both internally and externally, which means you may not feel like you have any power at all, which is the farthest thing from the truth.

So what are you going to do to improve your ability to defend yourself, physically, digitally, financially, or mentally?

Turning Up

With Krav Maga classes, as with almost everything in life, turning up is the first key to success. Now, by this I don’t simply mean being physically in the room, yes, getting to class on time is important, but turning up for your classmates and instructors means more than that.

Come to class regularly. This is important. Often concepts and techniques build on one and other, and if you consistently miss classes you will eventually fall behind. You won’t be able to keep up with the more complex techniques or concepts, which means that either your partner or the instructor will end up having to stop and explain things to you; which means less active training time for you and your partner. This also means that you may struggle to perform more complex movements, as you have not adequately practiced the basics to a level where you can build on them.

Pay attention. You need to ensure that you are mentally switched on while training; meaning pay attention to your instructors. Once again, just because you are there, and there regularly, doesn’t mean you are guaranteed to learn anything (lets face it, not many of us can learn through osmosis). Actively listen when things are being explained, and while chatting with the person next to you might seem like fun, it’s rude to your instructor; and if you disrupt class then it’s rude towards your fellow students as well. Furthermore, if you are chatting or daydreaming, you aren’t listening. As noted above, if you don’t listen when drills are being explained you might find that you are wasting valuable time trying to play catch up, or worse, you are in the wrong place at the wrong time and end up getting kicked or punched by your partner (though this often makes for a quick learning curve).

Actively participate. If you’re in a classroom or lecture hall raise your hand and ask or answer questions, if you’re in a Krav Maga class speak up when you’re asked for input, and then do the drill. Sure, no one likes to be the dummy that’s getting kicked in the groin, but that’s a part of Krav Maga training. You take the fun with the not-so-fun. If you’re not giving every part of the drills the same attention and enthusiasm, on every drill, then you’re not really actively participating in the class. If you don’t understand something, ask; just keep the questions relevant.

Keep the energy up. Now, I know we don’t all have the energy of a 5yr old after their 5th espresso everyday, but you need to turn up to class ready to commit to a full class. If you’re not providing a committed and energetic attack for your partner during drills, then you’re not giving them the opportunity to learn what a realistic attack feels like, and if their technique could successfully defend against it. Even in between drills, whether it’s getting pads or putting on gear, do it with a bit of pep in your step; don’t waste everyone’s limited training time just because you’re feeling like taking it a little easier today. I don’t mean you have to be rushing every time you go to do something, but keep the tempo up, act with a sense of urgency, and don’t let your heart rate drop too much.

Be prepared. “Turning up” can begin before you even get to class. Make sure you have all of your protective gear; groin guard, mouth guard, helmet, and gloves, and bring a water bottle (tip: try to show up hydrated!). Periodically check that your uniform is clean, no one wants to train with the guy who’s shirt smells like B.O., and if you’re anything like me (who sweats) bring a towel. Because, while I don’t expect to come out of class without getting a little of someone else’s sweat on me, it’s a good option to be able to wipe down yourself or the equipment you’re using.

Help out where you can. If you’re working with a newer or less experienced person and they are having trouble, help them out if you can; just be careful not to start teaching. At the end of class help clean up and put away the equipment used. Being a good student and good classmate doesn’t start and stop when you bow in and out; if you are “turning up” for your school, take a little pride and do your part.

These are some of the things that “turning up” means to me. It may mean more or less to you, but if you have never thought about what it means, or wondered if you are, this should serve as a starting point for you to decide what type of student you want to be.

This week’s Krav Maga curriculum: Mar 2nd - Mar 1st - 8th