WEBVTT
1
00:00:01.080 --> 00:00:04.679
This program is designed to provide general information with regards
2
00:00:04.679 --> 00:00:07.679
to the subject matters covered. This information is given with
3
00:00:07.719 --> 00:00:12.080
the understanding that neither the hosts, guests, sponsors, or station
4
00:00:12.320 --> 00:00:19.160
are engaged in rendering any specific and personal medical, financial, legal, counseling,
5
00:00:19.359 --> 00:00:23.519
professional service, or any advice. You should seek the services
6
00:00:23.559 --> 00:00:29.280
of competent professionals before applying or trying any suggested ideas.
7
00:00:29.000 --> 00:00:33.679
The information contained in this podcast is intended for informational
8
00:00:33.719 --> 00:00:37.159
purposes only and is not a substitute for individual professional
9
00:00:37.280 --> 00:00:41.039
legal advice. The podcast information was carefully compiled from BETTED
10
00:00:41.119 --> 00:00:45.280
sources and references. However, Rose Resources outreach to safeguard the
11
00:00:45.320 --> 00:00:48.240
elderly cannot guarantee that you will not fall victim to
12
00:00:48.280 --> 00:00:53.759
a scam. Let's talk about scams. It's the must listen
13
00:00:53.840 --> 00:00:57.039
show for anyone who wants to protect themselves and their
14
00:00:57.119 --> 00:01:01.600
loved ones from scams. Every Tuesday at am Pacific time
15
00:01:01.679 --> 00:01:05.879
on K four HD Radio, Joyce Petrowski, founder of Rose,
16
00:01:05.920 --> 00:01:10.799
and her guests will provide valuable insights and practical tips
17
00:01:10.840 --> 00:01:15.079
on how to recognize and protect yourself from scams. And
18
00:01:15.239 --> 00:01:18.719
now here is your host, Joyce Petrowski.
19
00:01:19.799 --> 00:01:23.879
Welcome back everyone, I'm your host, Joyce Petrowski, founder and
20
00:01:24.000 --> 00:01:27.560
board president of Rose Resources Outreach to Safeguard the Elderly.
21
00:01:28.799 --> 00:01:31.920
You can find more resources on our website at Rosadvocacy
22
00:01:31.959 --> 00:01:35.640
dot org, and you can also find our social media links.
23
00:01:35.840 --> 00:01:38.280
You can sign up for our email newsletter and our
24
00:01:38.319 --> 00:01:41.640
mail newsletter, and there's a contact us form as well
25
00:01:41.680 --> 00:01:44.519
in case you have a topic, a scam topic you'd
26
00:01:44.599 --> 00:01:49.040
like us to discuss on a future episode. But today
27
00:01:49.159 --> 00:01:53.079
I wanted to talk about social media. The majority of
28
00:01:53.159 --> 00:01:56.439
us are on social media, a lot of us are
29
00:01:56.480 --> 00:02:00.719
on more than one channel. But today I'm gonna talk
30
00:02:01.319 --> 00:02:04.840
about Facebook in particular. I found a really great article
31
00:02:05.359 --> 00:02:12.919
that was published by Norton LifeLock in November of twenty
32
00:02:13.039 --> 00:02:16.240
twenty four. It's titled twenty seven Facebook Scams and Tips
33
00:02:16.280 --> 00:02:18.879
to avoid them. So I'm going to go through these,
34
00:02:19.080 --> 00:02:23.199
and then afterwards, after I go through these scams, I'm
35
00:02:23.240 --> 00:02:27.599
going to talk about some different settings you can update
36
00:02:27.680 --> 00:02:31.759
on your Facebook account to help keep your stuff private.
37
00:02:32.560 --> 00:02:38.280
So first, I'm sure we've all had our Facebook count
38
00:02:38.360 --> 00:02:43.439
probably cloned, where a scammer sets up a profile and
39
00:02:43.560 --> 00:02:50.000
they use your pictures, they use your biographical information they
40
00:02:50.080 --> 00:02:52.639
want to make it look and sound like it's you,
41
00:02:53.080 --> 00:02:55.719
and then they have access to your friends, and so
42
00:02:55.759 --> 00:02:59.400
then they start friending, sending friend requests to your friends,
43
00:02:59.520 --> 00:03:03.080
or maybe commenting on your posts things like that. Sometimes
44
00:03:03.360 --> 00:03:06.280
your account can get hijacked where they actually are able
45
00:03:06.319 --> 00:03:10.759
to compromise your login credentials and the scammer actually takes
46
00:03:10.800 --> 00:03:14.840
over your Facebook account where then they are sending messages
47
00:03:14.879 --> 00:03:18.360
to your friends and you know, asking for money or
48
00:03:18.400 --> 00:03:22.080
trying to establish relationships and things like that. But here's
49
00:03:22.080 --> 00:03:27.840
some more specific scams in this Norton article. So the
50
00:03:27.840 --> 00:03:32.080
first one is clickbait. So that's really a scam that
51
00:03:33.159 --> 00:03:36.800
has a misleading headline. It's an exaggerated headline. It's all
52
00:03:36.840 --> 00:03:39.680
done to attract your attention. They could be trying to
53
00:03:39.719 --> 00:03:48.000
sell a product, just could be sensationalizing fake news. And
54
00:03:48.039 --> 00:03:55.479
then they in order to get you to click on something.
55
00:03:56.719 --> 00:03:59.319
That's their end goal is to get you to click
56
00:04:00.080 --> 00:04:03.360
on a link which you think you're actually going to
57
00:04:03.439 --> 00:04:08.639
be buying something and there isn't really there isn't anything
58
00:04:08.680 --> 00:04:12.199
there to buy or I'm sorry, there the link you
59
00:04:12.240 --> 00:04:14.719
click on, you think you're buying something, so you put
60
00:04:14.719 --> 00:04:18.639
your credit card information in or hopefully not your debit card.
61
00:04:18.800 --> 00:04:22.079
Hopefully you would be using a credit card, but you
62
00:04:22.120 --> 00:04:26.360
put it in and you know, now the scammer has
63
00:04:26.480 --> 00:04:30.759
access to your credit card. But also they could be
64
00:04:31.040 --> 00:04:33.639
installing malware or a virus that runs in the back
65
00:04:33.680 --> 00:04:35.519
of your computer and you might not know it's there,
66
00:04:35.720 --> 00:04:38.879
So be careful of you know, if you see something
67
00:04:38.959 --> 00:04:42.759
that looks too good to be true on Facebook, especially
68
00:04:42.800 --> 00:04:44.839
if it's an AD and it's a product you really want,
69
00:04:44.879 --> 00:04:47.720
you're going to want to go directly to that company's
70
00:04:47.759 --> 00:04:50.399
website and look on that company's website and see if
71
00:04:50.399 --> 00:04:54.600
they actually have that product you're looking for on sale
72
00:04:55.199 --> 00:04:57.519
and if that's you know, if it's an action and
73
00:04:57.759 --> 00:05:02.439
accurate AD that you're seeing on Facebook. Another one is
74
00:05:02.519 --> 00:05:05.319
the phishing scams. We've all heard about the phishing scams,
75
00:05:05.319 --> 00:05:09.680
and that's the pH is shi ng. It's where scammers
76
00:05:09.720 --> 00:05:12.160
are out there trying to get more information. You know,
77
00:05:12.279 --> 00:05:14.879
scammers have a little bit of information or a lot
78
00:05:14.879 --> 00:05:19.600
of information. Everybody's different as to what information is out there,
79
00:05:20.040 --> 00:05:23.839
but they're trying to build more information in your profile
80
00:05:25.240 --> 00:05:27.319
to take you know, for instance, to take over your
81
00:05:27.319 --> 00:05:30.879
identity and get some some loans in your name, get
82
00:05:30.920 --> 00:05:34.439
credit cards in your name, so you want to be careful.
83
00:05:35.279 --> 00:05:38.199
Sometimes this comes when you know there's this really cool
84
00:05:38.319 --> 00:05:40.920
survey and you're like, okay, yeah, I'll take that survey
85
00:05:41.000 --> 00:05:43.480
and I'm going to get this thing for like a
86
00:05:43.519 --> 00:05:48.639
dollar ninety nine. Or there's those things on Facebook that like,
87
00:05:48.759 --> 00:05:52.600
you're a friend of yours might have answered the questions
88
00:05:52.920 --> 00:05:56.800
and it came up and determined you know, that you
89
00:05:56.920 --> 00:06:00.120
had such and such type of personality or some thing
90
00:06:00.199 --> 00:06:04.279
with your personality, and they look fun, right, and it
91
00:06:04.319 --> 00:06:06.480
makes you curious. You want to put your information in
92
00:06:06.519 --> 00:06:08.800
and see what pops up, But you have to be
93
00:06:08.879 --> 00:06:12.120
really careful with those because scammers could be hiding behind
94
00:06:12.160 --> 00:06:15.720
those trying to again gather more information from you. You know,
95
00:06:16.079 --> 00:06:19.120
it could be answers to security questions that you might
96
00:06:19.160 --> 00:06:21.639
have on your bank account, and you know, you're not
97
00:06:21.720 --> 00:06:25.240
thinking about that because you're having fun, you know, answering
98
00:06:25.240 --> 00:06:27.240
those questions and you're excited. You kind of want to
99
00:06:27.240 --> 00:06:31.000
see what the results end up saying. So just like
100
00:06:31.079 --> 00:06:33.560
this can happen in emails and text messages and things
101
00:06:33.600 --> 00:06:36.759
like that, it can happen on social media platforms, so
102
00:06:36.879 --> 00:06:41.560
be very very careful about that, the false romances. I
103
00:06:41.600 --> 00:06:44.959
think we've all heard about the romance scam. And you know,
104
00:06:45.600 --> 00:06:48.319
like I said a couple minutes ago, scammers hang out
105
00:06:48.319 --> 00:06:51.240
on social media. There's a ton of scammers out there
106
00:06:51.240 --> 00:06:54.480
that have fake profiles and they're trying to befriend you.
107
00:06:54.959 --> 00:06:58.920
A lot of times they will start commenting on your post.
108
00:06:59.319 --> 00:07:01.879
In fact, I had that happened yesterday morning. I was
109
00:07:01.959 --> 00:07:07.199
getting ready for a presentation and I was looking I
110
00:07:07.199 --> 00:07:08.680
had a little bit of time, so I was looking
111
00:07:08.759 --> 00:07:10.680
on my phone and I was on Facebook, and I
112
00:07:10.680 --> 00:07:15.040
had this notification that somebody had commented on posts that
113
00:07:15.160 --> 00:07:20.000
I had commented on almost you know, probably about eight
114
00:07:20.199 --> 00:07:23.040
eight months ago. It was a father's somebody had posted
115
00:07:23.079 --> 00:07:28.360
a Father's Day post and said Happy Father's Day to them. Well,
116
00:07:28.399 --> 00:07:31.439
then this person that I don't know comments on mine
117
00:07:31.600 --> 00:07:34.920
and says, hey, you know, i'd like to be friends.
118
00:07:34.959 --> 00:07:37.519
Will you send me a friend request? Right? No, I'm
119
00:07:37.560 --> 00:07:39.199
not going to send you a friend request. So I
120
00:07:39.319 --> 00:07:41.920
just held my There was no links in the comments,
121
00:07:41.920 --> 00:07:44.519
so I held my finger down on it and it
122
00:07:44.560 --> 00:07:47.160
comes up and gives me options and you can report
123
00:07:47.279 --> 00:07:49.680
junk and then delete, or you can just delete it.
124
00:07:50.160 --> 00:07:53.120
You know, sometimes they'll comment on your post and they
125
00:07:53.199 --> 00:07:55.920
might go in there and saying, oh, I really love
126
00:07:56.000 --> 00:07:58.519
your photos. You know you're really pretty, and I think
127
00:07:58.560 --> 00:08:01.439
we could be good friends. I've tried to friend you,
128
00:08:01.519 --> 00:08:04.399
but it's not letting me. So will you send me
129
00:08:04.439 --> 00:08:09.040
a friend request? And you know it's you don't know
130
00:08:09.079 --> 00:08:11.920
the person and they just reached out out of the blue. No,
131
00:08:12.199 --> 00:08:14.600
you you don't want to be friends with them. Other
132
00:08:14.680 --> 00:08:17.680
times they're impersonating one of your friends and they're sending
133
00:08:17.759 --> 00:08:20.600
you a friend request. Well that's where you look at
134
00:08:20.600 --> 00:08:22.639
it and go, wait a minute, I think I'm already
135
00:08:22.639 --> 00:08:25.959
friends with them. So you go into your profile and
136
00:08:26.000 --> 00:08:28.000
you go down to your friend's list and you just
137
00:08:28.079 --> 00:08:31.240
search your friend's name and if it comes up, you're
138
00:08:31.279 --> 00:08:34.320
already friends. You know, that's a that's a cloned account,
139
00:08:34.519 --> 00:08:36.080
and you're going to want to let your friend know
140
00:08:36.600 --> 00:08:39.200
that their account's been cloned. But you're then, you know,
141
00:08:39.720 --> 00:08:44.600
delete the request. You can report it to Facebook as well.
142
00:08:44.840 --> 00:08:48.919
We've actually reported a handful of profiles, but Facebook has
143
00:08:48.960 --> 00:08:51.440
come back on all of them and said that they
144
00:08:51.480 --> 00:08:54.960
did not see where it was a it was the
145
00:08:55.039 --> 00:08:58.080
profile was harmful to anybody, so they were not going
146
00:08:58.120 --> 00:09:02.120
to take it down, so not you know, Facebook might
147
00:09:02.159 --> 00:09:04.480
not take the profile down. So that's why you got
148
00:09:04.480 --> 00:09:09.519
to be careful and protect yourself. Lots of people, you know,
149
00:09:09.840 --> 00:09:15.480
when they have some devastating medical condition with them or
150
00:09:15.519 --> 00:09:19.960
with their family, they might do these gofundmes and different
151
00:09:20.039 --> 00:09:22.919
things and they'll put them on Facebook and other social
152
00:09:22.960 --> 00:09:25.919
media accounts to raise money to help them with a
153
00:09:25.960 --> 00:09:29.759
medical cost. And while some of them out there are valid,
154
00:09:31.320 --> 00:09:33.200
there are some of them out there that are scammers
155
00:09:33.200 --> 00:09:36.159
are doing and they are just trying to get your
156
00:09:36.200 --> 00:09:41.600
money and there is no you know, medical devastating medical
157
00:09:41.639 --> 00:09:44.519
costs out there, so you want to be really careful.
158
00:09:44.600 --> 00:09:49.679
If your friend has donated money and then they're sharing
159
00:09:49.720 --> 00:09:53.679
it on their social media, their Facebook page, talk to
160
00:09:53.720 --> 00:09:56.440
your friends and say, do you know these people? You know?
161
00:09:56.679 --> 00:09:59.000
Do you know them? They are real? This is actually
162
00:09:59.000 --> 00:10:02.879
really happened. That's your way to verify what is going on.
163
00:10:04.720 --> 00:10:09.679
Some other ones are fake listings or free listings. They're
164
00:10:09.720 --> 00:10:12.200
going to lure you in with the promise of obtaining
165
00:10:12.200 --> 00:10:15.080
goods or services at a very low cost or no cost.
166
00:10:16.559 --> 00:10:20.600
But then inevitably, when you you know, you get through
167
00:10:20.639 --> 00:10:22.600
it and you think it's only been a dollar ninety
168
00:10:22.679 --> 00:10:25.360
nine or five ninety nine. There's all these other added
169
00:10:25.360 --> 00:10:27.639
fees that in order to get whatever it is, you
170
00:10:27.720 --> 00:10:30.799
have to pay all of these you know, added fees
171
00:10:30.840 --> 00:10:33.799
to it. So just be careful. Again, like I said
172
00:10:33.879 --> 00:10:37.919
earlier with those with that clickbait stuff, is you're going
173
00:10:37.960 --> 00:10:40.440
to want to go to the actual verified website of
174
00:10:40.519 --> 00:10:46.279
whatever company and make sure that they are in fact
175
00:10:46.440 --> 00:10:56.679
offering this discount spoofing attacks, so that's you know, we
176
00:10:56.799 --> 00:11:01.080
talked about where someone's impersonating a trust did person or
177
00:11:01.080 --> 00:11:04.039
a trust identity, so they could be they could have
178
00:11:04.120 --> 00:11:08.120
cloned your friend's account and they're impersonating your friend. You know,
179
00:11:08.279 --> 00:11:12.000
they go on scammers love to impersonate bigger companies, so
180
00:11:12.279 --> 00:11:14.919
I always I'm not picking on Amazon, but I always
181
00:11:14.919 --> 00:11:17.879
say Amazon because the majority of us have an Amazon
182
00:11:17.919 --> 00:11:22.279
account and scammers know that, so they're more likely to
183
00:11:22.399 --> 00:11:26.120
get you know, their scam is more likely to hit
184
00:11:26.159 --> 00:11:29.120
people who actually have Amazon accounts and then they might
185
00:11:29.200 --> 00:11:32.240
engage with it. So just be careful. You know you're
186
00:11:32.240 --> 00:11:34.840
going to want to go directly to your verified Amazon
187
00:11:34.879 --> 00:11:39.440
account and check things out. With that lottery scams, you know,
188
00:11:39.799 --> 00:11:44.720
fake prizes fake giveaways, lottery scams, all kinds of stuff
189
00:11:44.759 --> 00:11:47.159
like that. If there's something on there, you know before
190
00:11:47.200 --> 00:11:50.600
you enter it, before you play it, search it in
191
00:11:50.639 --> 00:11:53.279
the Internet search bar, put the information in there and
192
00:11:53.320 --> 00:11:55.759
put fraud or scam after it and see what comes up.
193
00:11:57.559 --> 00:12:00.200
You'd be surprised at how much information's out there, are
194
00:12:00.200 --> 00:12:06.240
already online about it. Kind of along the lines of
195
00:12:06.320 --> 00:12:10.960
the fake medical fundraisers, there's the charity and donation scams.
196
00:12:12.360 --> 00:12:14.919
As I tell people in the presentations, you know, scammers
197
00:12:15.000 --> 00:12:19.039
never let a natural disaster go to waste in their mind.
198
00:12:20.480 --> 00:12:25.159
So like the hurricanes that came through last year, the fires,
199
00:12:26.360 --> 00:12:29.639
you know, hurricanes on the East Coast, the fires in California,
200
00:12:30.159 --> 00:12:32.919
the fires that were in Hawaii a couple years back,
201
00:12:33.159 --> 00:12:35.879
all of that stuff, they take advantage of it, and
202
00:12:35.919 --> 00:12:42.440
they're going to impersonate charities or they might just come
203
00:12:42.519 --> 00:12:46.759
up with some fake charity name, all in the guise
204
00:12:46.840 --> 00:12:50.639
of trying to be that charity and trying to get
205
00:12:50.679 --> 00:12:53.039
you pull on your heartstrings to get you to donate.
206
00:12:53.600 --> 00:12:56.720
And one you might not ever know that you've been scammed,
207
00:12:56.720 --> 00:12:59.360
but they have your credit card information and then you
208
00:12:59.399 --> 00:13:03.120
know pretty quickly you're going to see that there's these
209
00:13:03.159 --> 00:13:10.159
other fraudulent charges on your credit card account. So the
210
00:13:10.200 --> 00:13:12.639
best things to do with the charity and donation scams
211
00:13:12.840 --> 00:13:16.240
is there's two ways you can verify a charity. So
212
00:13:16.320 --> 00:13:20.200
you can go to IRS dot gov. That's IRS dot gov,
213
00:13:20.799 --> 00:13:24.879
or you can go to charity navigator dot org and
214
00:13:25.159 --> 00:13:29.879
just type in charity search and when you get to
215
00:13:29.960 --> 00:13:32.840
that page, do not use the name of the charity.
216
00:13:33.279 --> 00:13:39.000
Use the charity's tax identification number, because sometimes charities names
217
00:13:39.480 --> 00:13:42.720
are a little bit different how they're recorded with the IRS,
218
00:13:43.120 --> 00:13:46.039
and we're a perfect example. So Rose, if you do
219
00:13:46.120 --> 00:13:49.039
it the way that's all over the website and our materials,
220
00:13:49.080 --> 00:13:52.919
it's capital R period, capital O period, capital S period,
221
00:13:52.960 --> 00:13:57.200
capital E period. Well, IRS didn't like that, so they
222
00:13:57.360 --> 00:13:59.960
just decided to put it in as capital R lowercase
223
00:14:00.240 --> 00:14:03.279
O SE. But you wouldn't know that. So if you
224
00:14:03.320 --> 00:14:05.360
were to type the name in like we have it,
225
00:14:05.360 --> 00:14:07.679
it's going to say there's no such charity. But if
226
00:14:07.679 --> 00:14:10.600
you put in our tax identification number, which is eight
227
00:14:10.720 --> 00:14:14.720
seven two four seven eight three four nine, it's going
228
00:14:14.759 --> 00:14:16.480
to come up. It's going to show us we're a
229
00:14:16.519 --> 00:14:19.080
valid five oh one C three charity with the irs
230
00:14:19.639 --> 00:14:22.240
and donations are tax deductible. It'll have a link to
231
00:14:22.240 --> 00:14:25.600
our website and you might even be able to click
232
00:14:25.639 --> 00:14:30.480
on and get copies of previously filed tax returns. But
233
00:14:30.559 --> 00:14:32.960
that's your way to verify the charity. And then you
234
00:14:33.000 --> 00:14:36.519
can go directly to the charity's verified website and make
235
00:14:36.519 --> 00:14:41.080
a donation that way, or if and on the charity's website,
236
00:14:41.120 --> 00:14:43.440
you can find the charity's phone number and you can
237
00:14:43.519 --> 00:14:46.960
call the charity with their verified phone number and you
238
00:14:46.960 --> 00:14:50.360
can make a donation over the phone that way. That way,
239
00:14:50.759 --> 00:14:54.240
your money is ensured to go to a legitimate charity
240
00:14:54.679 --> 00:14:57.559
for the needs that you wanted to make the donation.
241
00:14:57.759 --> 00:15:03.000
For Facebook Messenger. As part of Facebook, you have the
242
00:15:03.000 --> 00:15:06.840
Facebook Messenger. It's a nice way to if you didn't
243
00:15:06.840 --> 00:15:11.720
want to comment specifically, like when people are asking, you know,