WEBVTT
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This program is designed to provide general information with regards
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to the subject matters covered. This information is given with
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the understanding that neither the hosts, guests, sponsors, or station
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are engaged in rendering any specific and personal medical, financial,
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legal counseling, professional service, or any advice. You should seek
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the services of competent professionals before applying or trying any
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suggested ideas. The information contained in this podcast is intended
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for informational purposes only and is not a substitute for
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individual professional legal advice. The podcast information was carefully compiled
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from BETTED sources and references. However, Rose Resources outreach to
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safeguard the elderly cannot guarantee that you will not fall
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victim to a scam.
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Let's talk about scams. It's the must listen show for
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anyone who wants to protect themselves and their loved ones
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from scams. Every Tuesday am Pacific time on kfour HD Radio,
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Joyce Petrowski, founder of Rose, and her guests will provide
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valuable insights and practical tips on how to recognize and
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protect yourself from scams. And now here is your host,
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Joyce Petrowski.
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Welcome back everyone, I'm Joyce Petrowski, founder of Rose Resources
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Outreach to Safeguard the Elderly. You can find more information
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on our website at Roseadvocacy dot org. Click the subscribe
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button so you don't miss an episode of this show.
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You can find all of our previous episodes on our
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YouTube channel, and all of our social media channels are
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on our homepage of our website again, Roseadvocacy dot Org.
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Scroll down to the bottom of the homepage and you're
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going to see where you can sign up for our newsletters.
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We have one that is sent in the mail at
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the beginning of every month, and then we have one
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that comes out at the beginning of the month via email,
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and every Tuesday morning at nine point fifteen, you're going
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to get that Tuesday Tip. So that's coming up here.
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In about twelve thirteen minutes, you'll get that Tuesday Tip
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in your inbox, and we're going to talk a little
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bit more about that today. So today's title empowering Conversations
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about scams with your loved ones. So an ounce of
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prevention is worth a pound of cure. We've heard that
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a lot. What's that mean. Well, it emphasizes taking proactive
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measures to prevent problems, and that's far more effective and
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easier than trying to fix them, fix the problems after
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they occur. So we think about this, especially with this
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saying an ounce of prevention is worth a pound of cure.
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In healthcare, we go to our regular health checkups, whether
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they're annual, you know, twice a year year, however often
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you go when you feel sick, you know, you go
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to the urgent care, you go to the doctors. You know.
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Some people get the flu shot as a preventative. Some
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people get other you know, other I think there's a
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shingle shot. There's a bunch of different things out there.
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Vaccines you can get. It's you know, everyone's choice whether
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they get them or not. But let's think about it.
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In other cases, we take care of our vehicles. We
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get the maintenance done on it, you get the oil change,
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you get the brakes replaced, different things like that. Also,
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when you're out there driving, we use defensive driving. You know,
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we use it all the time, whether you think about
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it or not. Especially if you see something happening, you're
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going to use your defensive driving to avoid being in
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an accident. So let's use this with scam prevention as well,
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So I get it. Scams they're not a fun topic
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to talk about. We don't like to accept the fact
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that we're vulnerable and that, yes, we can fall victim
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to scams. A lot of people say after they've fallen
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victim to a scam that they feel stupid that they
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fell victim. It's a normal reaction. But you have to
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understand scams have nothing to do with intelligence. It's all
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emotional based. So you're thinking out of emotions. You're not
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thinking out of your rational state where you would make
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an intelligent decision. I think we can all think back
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to when we've made decisions out of emotions and then
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whether it's two hours later, a day later, we realize
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the decision we made, we're in our rational state, we
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thought about it some more, and we've got oh, I
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would have made a totally different decision. We have to
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apply this with scams as well, you know. And yeah,
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scams are not fun to talk about. Diseases are fun
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to talk about either, nor car accidents. But we take
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preventative measures like I talked about before, getting regular checkups
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and maintaining our car and defensive driving, you know, in
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order to avoid in order to avoid fixing the problem
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after they occur, right, fixing your vehicle after an accident,
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fixing your vehicle after if you don't change the oil,
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all of that stuff. So excuse me. So what is
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what's a way to learn more about scams? Well, scam
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prevention measures. Big one is awareness and education. Social engineering
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plays a large role in scams. Social engineering exploits your
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human behavior, your emotions. The scammers do in order to
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get your personal identifiable information and your money. You know,
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if they're trying to get your personal identifiable information, they're
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doing it to steal your identity to get money. Maybe
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they haven't gotten money directly from you, but stealing your
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identity they can go out and get credit and they
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can get credit cards and loans and all kinds of
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stuff in your name. But they're getting the money, they're
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getting the asset, whatever it is, and you're left footing
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the bill. So identity theft has to do with money
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as well. So was looking at a security dot org
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article that was updated on December third of this year.
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Was looking at it this morning, and it says every
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four point nine seconds someone becomes a victim of identity
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theft in the United states. We're not talking about four
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or five days, four or five weeks, months, four or
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five hours, it's four point nine seconds. That's a lot
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of victims. Now, I'm not saying that scam prevention is
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going to prevent one hundred percent of the scams, but
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it is going to prevent a lot of them. Getting
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you more aware of what's going on out there, aware
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of the protection tools you can put in place, things
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you can do that can help you all develop a
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healthy skepticism and make scam prevention a habit. So how
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can we be proactive with scam prevention? Well, as I
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said before, awareness and education that's the key. Yes, they can.
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There's a lot of new technology that comes out, and
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there's a lot of people you know, using AI for
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this new technology to do text scams and all of
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that is great, but social engineering plays a big, big
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role in scams, and so getting people to regularly talk
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about scams, you know, and and you know, we understand
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everybody's busy, especially this time of the year, but whether
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you're physically with your loved ones or you're talking with
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them on the phone or a face chat you can have,
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you can bring scam prevention into the conversation, but you
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don't want that conversation to be to come off as
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judgmental or negative. You know, you don't want to every
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time you mentioned scams, say don't click on links, don't
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respond to text or emails or phone. You know, don't
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answer the phone if you don't know who's calling. All
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those types of negatives, those don't don't, don't, don't things,
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those can come across as very negative. They can come
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across as judgmental. You know a lot of different ways.
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So you want to make it conversational. You want to
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talk in a positive way about scams so you can
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help build that healthy skepticism and make scam prevention a habit.
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The more we hear something, the more it becomes a habit.
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Reinforce that you're there to help, not judge, and let
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them know that they can talk to you. You can
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be their trusted person even if they accidentally clicked on
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a link, if they accidentally responded to a text and
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realized it after that, let them know that they could.
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You're not gonna You're not gonna have You're not going
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to judge them. You're not going to get upset angry
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that you know you want to be able to help
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them mitigate any damages. You can be their trusted person,
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as I said, So, I guess the next question is
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going to be, well, where can I, you know, find
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all this information to talk about? You know what. Obviously,
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you can look things up on the internet. You can
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google it, and you can put a scam a specific scam,
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and you're going to find a lot of information out there.
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You can look up scam prevention tips. You're going to
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find a lot of information out there. But we've got
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you covered on that. As I said in the introduction,
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we have the Tuesday tip that comes out every week
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in your email inbox, and you might already know the tip,
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but it's reinforcing your healthy skepticism. It's reinforcing your scam prevention,
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making it a habit, and that right there is going
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to give you a conversation starter on what to talk
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about that week with your loved one. You can follow
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us on Instagram, YouTube, Facebook, LinkedIn. We are actively growing
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our YouTube page. I see we've got some more subscribers,
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but we're still trying to hit that one hundred subscriber mark.
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So please subscribe to our YouTube page. You'll have all
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the episodes of this show, the full show each week.
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But then you also can look at the shorts in there,
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which you're i know, anywhere from about thirty to fifty
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five seconds. That kind of gives you a highlight of
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the show. And so I'm going to share my screen
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and I'm just going to look at Facebook, our Facebook account,
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so you can see just some different ideas on what
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you can look at. So this is our Facebook account,
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so you can see yesterday we posted a scam alert
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about a new phone return scam. This right here could
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be a talking point for this week. You know a
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lot of people get new phones for Christmas, but there's
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this new phone return fraud that's out there. We give
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tips on what you can do. This right here is
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just some information on our year end giving campaign which
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we are actively working with that today, as are a
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lot of nonprofits are actively working on their year end campaign.
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If you're willing and able to support us, that would
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be awesome. Every dollar matters. You just go to this
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link here on our homepage, go under the donate and
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then year end Giving. All the information is there. Let's
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hear last week or yep, that was last Friday. There's
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some holiday phishing scams. You know, we give you information
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on that. Last week get data breach. Petco has had
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a data breach, and let's look at the information that
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we give informations potentially exposed includes names, so security numbers,
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driver's license, dates of birth, financial account details, credit and
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debit card numbers. So what can you do? Well, if
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you haven't placed a credit freeze and you want to
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do that, go to all three of the credit reporting
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agencies and place a credit freeze on your credit so
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someone gets your credit or debit card numbers. Or no,
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I'm sorry, so someone can't take credit out in your name,
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getting a new credit card, you know, buying a car
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and taking a loan out for it. You can also
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put alerts on your credit cards so you get notified
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of all the transactions. It doesn't prevent the credit card
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fraud from happening, but it lets you know every transactions
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so you can mitigate the damages. You can go in
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and monitor your credit reports on a regular or basis,
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make sure all of the active credit that's on your
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report is actually your credit. If you see something there
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that's fraudulent, you can take steps with identity theft to
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work through and get that credit off of your account.
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Be very careful that you know, with any type of
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data breach, there's going to be an increase in phishing
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scams attempting to get your information or attempting especially attempting
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to get you to, you know, give them access to
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your computer. So a lot of different information. This is
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a video of mine, but you'll see information where I'm
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on people's podcast and we talk about different things. Now,
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this is interesting here and I don't know if you
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guys have seen this in the stores. Last week we
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put it out about I happened to be visiting a
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grocery store and I was actually looking for an Amazon
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gift card. So look at this new holder where you
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actually have to pull the cards through the slot and
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it rips that little handle there on the cardboard on
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the outside of the card. This is great because if
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you happen to see one of the cards lying there
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and that slot there on the cardboard has been broken,
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then you know someone's pulled it out of there. Do
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you know if they've done something like if they've scanned
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the information on the gift card, so then if you're
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to buy it and activate it, they now have access
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to that money on that card and they spend it
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before you can even spend it or give it away
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as a gift, and you're the person you gave it
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to can spend it. So this is great. Now, this
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particular grocery store didn't have it on all of their
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gift card holders, but I'm hoping that over time they
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are going to have it on all of the gift cards.
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It would be nice if they put the gift cards
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behind the customer service and you had to go to
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customer service. I don't know that that's going to happen,
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but let us know if you've seen these. I also