July 7, 2026

Impersonation, Tech Support, and Medicare Scams Through our Guest's Experience

Impersonation, Tech Support, and Medicare Scams Through our Guest's Experience
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Season 2

Join us as we talk with our guest about her personal experiences with scams. Fraudulent Medicare charges, impersonation scam, and tech support scam.

Our guest will walk us through her experience and the red flags of each scam.

Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Let’s Talk About Scams TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Let’s Talk About Scams Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.

Become a supporter of this podcast: https://www.spreaker.com/podcast/let-s-talk-about-scams--6483699/support.

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, legal, counseling,

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professional service, or any advice.

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You should seek the services.

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Of competent professionals before applying or trying any suggested ideas.

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The information contained in this podcast is intended for informational

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purposes only and is not a substitute for individual professional

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00:00:37.240 --> 00:00:41.039
legal advice. The podcast information was carefully compiled from debted

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sources and references. However, Rose Resources outreach to safeguard the

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elderly cannot guarantee that you will not fall victim to

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a scam. Let's talk about scams. It's the must listen

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show for anyone who wants to protect themselves and their

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loved ones from scams. Every Tuesday am Pacific time on

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K four HD Radio, Joyce Petrowski, founder of Rose, and

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her guests will provide valuable insights and practical tips on

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how to recognize and protect yourself from scams. And now

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here is your host, Joyce Petrowski. Hi, I'm David staying

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active mentally, thing chess.

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Those are all the very important things. I'm seventy two,

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but I'm going to keep on learning. I'm going to

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keep on moving. I'm gonna keep on living my life.

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Healthcare for David's next move.

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Learn more at archwell health dot com.

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Welcome back, everybody. I'm Joyce Petrowski, founder and board president

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of Rose Resources Outreach to Safeguard the Elderly. Just coming

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off a long weekend from July fourth. I hope everyone

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had a great celebration and happy birthday to the United

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States two hundred and fifty years. You can find more

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information on our website at Rosadvocacy dot org. Scroll down

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to the bottom of the homepage you'll find where you

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can sign up for our newsletters. We do one in

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the mail each month, and we do one via email.

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The one via email every Tuesday morning at nine point

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fifteen am, Arizona time. You're going to get a Tuesday

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tip and it's going to have great information in it,

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some of which you might not know, some of which

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you might already know for the But no matter if

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you know it or you don't, the just as important

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reason to get it is it's helping you build your

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scam prevention habits and your healthy skepticism. You'll also find

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all of our social media channels on the top of

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the homepage and click on that YouTube and click subscribe

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because you'll get notified every week of what's coming up

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on our radio show. You can find all the past

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episodes on there as well. And really quick, I want

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to say thank our sponsor, Archwell Health, and I highly

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suggest if you have not gone in to take a

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tour of the arch Well Health location where you live,

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and you don't have to be in Arizona. They have

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them all over the United States. You can just get

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on archwellhealth dot com and check out their locations. They

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are an awesome primary care provider for Medicare patients and

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they have really thought about the smallest details to help

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reduce the anxiety of going to the doctors. And they

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have the capability of bringing in your family members as

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well that maybe cannot make it to the appointment but

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are part of your health journey, or maybe they live

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out of state and are part of your health journey

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as well. So today we have a guest with us

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and I want to welcome Joan to the show.

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Thank you, You're.

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Welcome, thanks for being on JOAN. And so you were

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at one of our presentations a few weeks back, and

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we had a conversation afterwards, and you told me about

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some scam experiences you had, and thank you for being

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willing to come on and talk about these so we

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can help other people. The first one I want to

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get to is, actually it was just this year. You said,

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in May of twenty twenty six you had some fraudulent

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charges on your Medicare summary notice for part B. Do

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you want to tell us a little bit more about

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about those.

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Yes, And by the way, thank you for using the

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words healthy skepticism, because I'm a pretty trusting person and

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it takes a lot too much sometimes for me to

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be suspicious. I received the Medicare summary notice, and as

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many of us, well my age, no, when it says

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this is not a bill, we either ignore it completely

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or then our eyes go down to total you may

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be billed, And as long as that says zero or

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a very small amount, we don't turn the page, we

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don't look. And that's what this one says. This that's true,

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not a bill totally. You may be billed zero. And

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then I turned the page and there were five separate

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monthly August, September, October, November, December of twenty twenty five bills,

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four each one read as follows, three hundred intermittent or

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andary catheter. The amount the supplier charged this is per

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month two thousand and fifty dollars.

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Wow.

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And then it goes down. If you follow the table

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and it says Medicare approved amount zero, amount Medicare paid

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zero maximum you may be billed zero. And the final

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column is c notes below footnotes A and B are listed.

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So then and whoever looks at these, A says the

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information we requested was not received, and B is you

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should not be billed for this service. You do not

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have to pay this amount.

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Okay.

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Now again there were five of these, so the total was,

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if my math is right, ten thousand, two high hundred

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and fifty dollars.

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Wow.

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I this was a Medicare notice. I called Medicare and

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I talked with two very nice people. I got a

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human right away, which was good, and they told me

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a few things. The first one was just the normal

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representative you get. And I told them the situation. I said,

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have you heard of this before? Has this ever happened,

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and he said, oh yes, he said, unfortunately, this is

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pretty common. And by the way, since this has happened,

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I've talked with a number of friends of mine my

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age and I'm in my upper seventies, and one had

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exactly the same thing happened to her. Oh wow. Anyhow,

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I'm talking with the gentleman at Medicare and he says,

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do you want to file a fraudulent acclaim report? And

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I said, yes, how do I do that? And he said, well,

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I'm going to take some information first, and he never

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asked me for my number because the phone number on

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the notice did work. It said how to get help

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with your questions, and it gives you the phone number

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to call, and he's after he asked me some questions,

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he said, I'm going to transfer you now to a

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fraud specialist. I talked with the fraud specialist for another

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five or ten minutes, and here's what it sort of

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surprised me, but didn't surprise me. I asked the question,

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will this be removed from my Medicare records since it's

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obviously fraudulent, and she said, the investigators will attempt to

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determine who is committing this fraud. However, these claims, though

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unapproved and unpaid, may never be expunged from my Medicare files,

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and I may never learn about the results of any investigation. Okay,

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she said, if I choose, I can request a new

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Medicare number, but then it would be my responsibility to

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give that new number to all of my medical providers.

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That made sense, but I've decided not to do that yet,

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especially when I learned that other people had this exact

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same charges for catheters. And I then googled the company

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name that's shown and I learned a lot because I said, yes,

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this is a fraud that's been going on for some time.

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So what did I learned from this? If anything, I've

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learned not to ignore, not to go beyond page one,

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look at every entry. And I know sometimes it's really

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hard to tell if you may not recognize the name

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of the doctor or the nurse practitioner who actually whom

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you saw. But if you keep dates, if you keep

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a calendar, which I do, you should be able to

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check back. Was I at any doctor? Oh yes, this

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corresponds all right. So sad to say, it's a little

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late in my life to go to that trouble if

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you will. But yes, I'm going to check all the

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entries from now on. Yeah.

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Absolutely. So a couple things talking to the fraud specialist

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at Medicare, I understand that they said, you know that

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you're not going to get any more information about the

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investigation and all that I was a victim of a

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tax related identity theft and I wanted to know, like

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what address this fraudulent return that was sent in my

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name and social Security number, and they wouldn't give me

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any information you know about it. But the one thing

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that he told you was that these charges may never

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come off of your account.

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He said, they may, but okay, he said, he's basically

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he said, don't worry because it's always going to show

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with zeros and it's always going to show that you

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own nothing. And what he did explain something else to me.

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He said, we get so many of these fraudulent claims.

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We try to track down every single one and sometimes

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sometimes if we wanted more information from the victim from me,

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someone may call you, but they will identify themselves as

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being from Medicare Fraud Division. Okay, but because there are

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so many, they can't guarantee and this apparently this particular company,

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And should I give you the name of the company.

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That is no asking for this now, because I mean,

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it could be a totally fake company, but it could

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be somebody impersonating a real exactly. Yeah, And I wouldn't

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want to. I wouldn't want people to think if it

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is a legitimate company and somebody is just impersonating them,

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I wouldn't want people to think it was a bad company.

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Yeah, but they said, you baby contacted by someone again

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from Medicare. But because there are so many and this

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particular scam is well known to them, sad they.

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Yeah, it was. I want to say, maybe a year

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year and a half ago, I talked to a lady

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who told me she had started looking at her Medicare

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statements and found out she was being charged for tens

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of thousands of dollars with catheters, which she's never used. Yeah,

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So it's you know, and the presentation that you that

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you saw from us, that was just a portion of

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our full presentation. And one of the things we do

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talk about is Medicare and how it is always good

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to look at your statements and look at what you're

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being charged for and always if you find charges that

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are not yours, that are fraudulent, to always report them

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to Medicare because you don't want those charges affecting any

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future benefits you might be entitled to. Yeah, and then

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always using a Medicare agent because you know, you don't

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have to pay the Medicare agent. It doesn't come out

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of your Medicare benefits, your Social Security benefits. But they're

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trained and they're required, you know, by law, to go

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through training so they know all the new things that

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are happening, any changes that are happening, and then they

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can look at their clients and say, Okay, this new

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plan or this plan because it changed, is going to

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be the best for you. Because I think a lot

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of people they talk to their friends and family, and

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you know, somebody might say, oh wow, I've got on

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this new Medicare plan and I'm really saving a lot

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of out of pocket costs, and so then by default

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a lot of people think that, well, then if they

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get on that plan, it's going to save them a

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lot ab out of pocket, and it might not, because

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your health situation is different from your friend or family

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member's health situation. And exactly I mean, but you could

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if you got on Medicare's website. You could go and

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review all the new things happening, all the changes that

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are happening. There's going to be a lot of technical

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terms in there that you're going to have to understand.

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And I haven't done that yet. I've got I am.

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I've transferred from another state when I retired and moved

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here to Arizona. And you're calling him Medicare agent. This

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is the gentleman from my original state. I still communicate

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with several times a year, and he handles my supplemental insurance.

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So that's what you're referring to, right, Yes.

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Yes, that you can when annual enrollment comes up October fifteenth,

226
00:16:05.399 --> 00:16:08.679
you know that you can go directly to him and say, Okay,

227
00:16:08.679 --> 00:16:12.320
what's new, anything changed? Do we need to review my policy?

228
00:16:12.559 --> 00:16:16.080
Is there anything or maybe something changed with your health

229
00:16:16.519 --> 00:16:18.240
that you can then talk to him and say, well,

230
00:16:18.279 --> 00:16:20.639
this is new in my in my what's going on

231
00:16:20.720 --> 00:16:24.759
with my health? And then you know, or maybe prescriptions

232
00:16:24.840 --> 00:16:28.279
or whatever. Yeah, so then they can help you navigate

233
00:16:28.440 --> 00:16:30.120
which plan works best for you.

234
00:16:30.440 --> 00:16:33.799
Yes, and I hope everyone has someone like this. I've

235
00:16:33.799 --> 00:16:36.159
dealt with him now for a number of years and

236
00:16:37.480 --> 00:16:41.480
one of the things that I'm happy about is that

237
00:16:42.080 --> 00:16:45.519
he's so much younger than I am that I know

238
00:16:45.600 --> 00:16:48.519
he's going to be around and I can continue to

239
00:16:48.559 --> 00:16:50.039
count on him. Yes.

240
00:16:50.279 --> 00:16:53.159
Yes, so you when you're you know, ten years down

241
00:16:53.200 --> 00:16:55.519
the road, you might not have to, you know, worry

242
00:16:55.600 --> 00:16:59.279
about trying to find a new a new agent. Yes.

243
00:17:00.080 --> 00:17:05.000
So let's look at the next one here. This is

244
00:17:05.119 --> 00:17:11.920
regarding your an impersonation scam with your insurance company.

245
00:17:12.880 --> 00:17:20.039
Yes, and my impersonation, Ye, it wasn't. I was not

246
00:17:20.279 --> 00:17:26.839
being impersonated. The insurance company was being impersonated. And as

247
00:17:26.880 --> 00:17:31.319
I mentioned, and this is amazing, if I said the

248
00:17:31.400 --> 00:17:34.359
name of the insurance company, everybody would know it.

249
00:17:34.400 --> 00:17:36.519
And you can say, because we've already said it's an

250
00:17:36.519 --> 00:17:40.559
impersonation scam, so we know it's not actually the company.

251
00:17:40.599 --> 00:17:42.960
It's someone purporting to be them.

252
00:17:42.960 --> 00:17:47.519
Purporting to be a State Farm insurance And I have

253
00:17:47.680 --> 00:17:53.680
been a customer in both states for many, many, many years. Well,

254
00:17:54.519 --> 00:18:00.119
I got an email and it's said it said in

255
00:18:00.279 --> 00:18:05.920
the in the subject line said state Farm, and then

256
00:18:06.119 --> 00:18:09.759
in the actual email it had the typical State Farm

257
00:18:10.799 --> 00:18:16.160
logo icon whatever it's called. And then it said they

258
00:18:16.160 --> 00:18:21.680
were offering me a very nice home protection kit. It

259
00:18:21.759 --> 00:18:27.359
included things like a fire extinguisher, a blanket to throw

260
00:18:27.440 --> 00:18:33.039
over flames, and like about six or seven different objects

261
00:18:33.799 --> 00:18:37.960
and it would only cost me eleven dollars and ninety

262
00:18:38.000 --> 00:18:38.759
five cents.

263
00:18:39.160 --> 00:18:39.680
Wow.

264
00:18:40.000 --> 00:18:43.599
Yeah, and I like a good deal.

265
00:18:44.319 --> 00:18:45.559
Everybody does, right.

266
00:18:46.200 --> 00:18:53.920
So I decided, okay, yeah, I'm gonna it's from State Farm.

267
00:18:54.160 --> 00:18:58.200
This is a great deal. So I clicked where it

268
00:18:58.240 --> 00:19:02.480
said click here, and it brought me to a site

269
00:19:02.759 --> 00:19:07.160
that said, I give us your credit card number. So

270
00:19:08.200 --> 00:19:12.200
I did. I put in my Thank goodness, I only

271
00:19:12.240 --> 00:19:16.200
have one credit card and one debit card, so the

272
00:19:16.240 --> 00:19:18.960
credit card that I've had for years. I put the

273
00:19:19.039 --> 00:19:22.599
number in and they didn't take it, said we won't

274
00:19:22.640 --> 00:19:27.319
accept this. And I assumed they wouldn't take it because

275
00:19:27.599 --> 00:19:33.400
it was It wasn't a it was like the one

276
00:19:33.400 --> 00:19:35.720
that's some that can I give the name of the

277
00:19:35.759 --> 00:19:40.160
credit card company? Well it was, it was one. It

278
00:19:40.240 --> 00:19:42.519
wasn't one of the real real big ones.

279
00:19:42.759 --> 00:19:45.599
Oh okay, yeah, I mean it's yeah okay.

280
00:19:45.599 --> 00:19:51.799
And I assumed that was why. So I went back

281
00:19:51.799 --> 00:19:55.000
a couple of screams and I put in my debit

282
00:19:55.079 --> 00:19:59.519
card number, thinking, okay, this is actually one of the

283
00:19:59.599 --> 00:20:03.119
major larger sit card and I said, we can't accept

284
00:20:03.200 --> 00:20:07.400
this either, and I assumed it was because it was

285
00:20:07.480 --> 00:20:12.759
a debit card. Well that's all I had. So I stopped,

286
00:20:13.119 --> 00:20:17.200
I closed out and thought, well, the next time I

287
00:20:17.200 --> 00:20:20.960
go to my state farm office, I'll ask them about it. Okay,

288
00:20:22.319 --> 00:20:29.319
within a few days, well actually it was within twenty

289
00:20:29.319 --> 00:20:35.400
four hours, I got the first email saying we're charging

290
00:20:35.440 --> 00:20:42.079
you for the something, whether it was the kit actually,

291
00:20:42.519 --> 00:20:45.640
but it said we won't accept your card, and so

292
00:20:45.680 --> 00:20:51.319
I didn't understand. So then I called my credit card

293
00:20:51.359 --> 00:20:57.279
company and I said, and they're very good, and they said,

294
00:20:57.559 --> 00:21:00.920
I said, what what are the recent charge that I've gotten?

295
00:21:01.640 --> 00:21:04.319
And they named all the legitimate ones, and then they

296
00:21:04.400 --> 00:21:08.680
named two that I did not recognize. And you couldn't

297
00:21:08.720 --> 00:21:13.519
tell from the identification what company or what you bought.

298
00:21:13.880 --> 00:21:19.839
And that sometimes is true, but I'm pretty good about

299
00:21:19.960 --> 00:21:25.799
keeping track of my credit card purchases. And I because

300
00:21:25.839 --> 00:21:29.920
it was that that date that I had actually hit

301
00:21:30.119 --> 00:21:33.599
on the link and I had entered the numbers. Even

302
00:21:33.599 --> 00:21:38.079
though it said we won't accept them, they started charging

303
00:21:39.160 --> 00:21:42.880
for it, and they were small amounts. One was for

304
00:21:43.279 --> 00:21:47.759
I think twenty nine dollars and another was for not

305
00:21:47.839 --> 00:21:52.599
so small but fifty nine dollars. And I then very

306
00:21:52.599 --> 00:21:56.119
shortly after that, a couple of days later, got a

307
00:21:56.200 --> 00:22:00.359
bill from the credit card company monthly bill, and it

308
00:22:00.440 --> 00:22:03.519
showed these and I immediately called and said, I didn't

309
00:22:03.799 --> 00:22:06.519
this is not something I ordered. And we discussed it

310
00:22:07.160 --> 00:22:12.200
and we determined I had to cancel my number. And

311
00:22:12.319 --> 00:22:18.759
what I learned from that is that, oh, I left

312
00:22:18.759 --> 00:22:21.920
a part out. So in between this time, I was

313
00:22:22.000 --> 00:22:27.160
speaking by phone with a good old friend from my

314
00:22:27.240 --> 00:22:30.960
original state, and I told her about what was happening,

315
00:22:31.400 --> 00:22:37.720
and she said, Joan, did you look at the from line?

316
00:22:37.799 --> 00:22:40.400
And I said, well, it said in the subject line

317
00:22:41.039 --> 00:22:44.079
state Farm, and it's got the icon. And she said,

318
00:22:44.240 --> 00:22:47.880
go back to the email and look at the from line,

319
00:22:47.920 --> 00:22:51.279
and I did, and sure enough, said nothing about state farm.

320
00:22:51.680 --> 00:22:55.440
It said a name, and I did not recognize any

321
00:22:55.480 --> 00:22:59.039
of it. She said, always look at the from line

322
00:22:59.599 --> 00:23:03.119
and if it doesn't, if it's something you don't recognize,

323
00:23:03.319 --> 00:23:06.759
just delete it. So that was the lesson I learned

324
00:23:06.759 --> 00:23:09.720
from that. But I had to cancel both the credit

325
00:23:09.720 --> 00:23:16.720
card and the debit card. The debit card also received

326
00:23:17.599 --> 00:23:24.920
fraudulent charges. Another thing I learned is apparently the bad

327
00:23:25.039 --> 00:23:31.359
actors who do this, A lot of people don't look

328
00:23:31.960 --> 00:23:38.680
carefully enough at their credit card statements. I do now.

329
00:23:38.799 --> 00:23:42.000
I check off every single one, and I keep my

330
00:23:42.079 --> 00:23:46.599
receipts for the month, and if there's anything on there

331
00:23:46.720 --> 00:23:51.240
I don't recognize, I immediately call. It seems to me

332
00:23:52.039 --> 00:23:58.160
that these bad actors will nickel and dime people like

333
00:23:58.279 --> 00:24:02.200
me and say, she's never going to notice that there's

334
00:24:02.240 --> 00:24:05.519
an extra forty dollars charge here. A couple of those

335
00:24:05.559 --> 00:24:08.400
a month's boy. In a few years, we can get

336
00:24:08.400 --> 00:24:12.319
a whole lot of money from this person. And it's

337
00:24:12.319 --> 00:24:18.400
sad to say, well, I've never been the brightest bulb

338
00:24:18.680 --> 00:24:23.319
in the box, but I'm also not the most stupid.

339
00:24:23.720 --> 00:24:27.400
And I used to to think, oh, I'm never going

340
00:24:27.440 --> 00:24:33.960
to be pree to any in these scams. Well, it

341
00:24:34.039 --> 00:24:35.799
happens to everyone.

342
00:24:35.559 --> 00:24:39.279
Everybody, And it's just how easy was it for that, right?

343
00:24:39.480 --> 00:24:44.839
It's so question when your friend told you to look

344
00:24:44.880 --> 00:24:48.119
at the from line, was it just you saw what

345
00:24:48.680 --> 00:24:51.319
it said in the front the from line or did

346
00:24:51.400 --> 00:24:54.160
you hover over it with your mouth to look at

347
00:24:54.200 --> 00:24:55.720
the actual email address?

348
00:24:56.200 --> 00:25:01.680
No? I didn't. Okay, Well, well there was the from

349
00:25:02.599 --> 00:25:04.359
was an email address, it.

350
00:25:04.359 --> 00:25:09.359
Was okay, because sometimes they will they'll they might put

351
00:25:09.400 --> 00:25:16.240
in their like state Farm, you know, congratulations from State

352
00:25:16.279 --> 00:25:18.920
Farm or I don't know, something with State Farm to

353
00:25:19.000 --> 00:25:22.480
make you think it is actually a legitimate State Farm email,

354
00:25:22.519 --> 00:25:25.400
And you wouldn't know unless you hovered your mouse over that.

355
00:25:26.319 --> 00:25:29.519
But it's said to then it'll then show what the

356
00:25:29.559 --> 00:25:31.039
actual email address is.

357
00:25:31.400 --> 00:25:33.880
And I had totally forgot until you mentioned it. I

358
00:25:33.920 --> 00:25:38.160
had totally forgotten that fact that you can hover and reveal,

359
00:25:38.799 --> 00:25:40.119
so to remember that.

360
00:25:40.440 --> 00:25:43.400
Yeah, And we always tell people to make sure you

361
00:25:43.440 --> 00:25:48.240
write down every character in the email address because like

362
00:25:48.319 --> 00:25:52.440
with State Farm, it's it's a big insurance company. A

363
00:25:52.559 --> 00:25:55.680
lot of people have it, so they get impersonated all

364
00:25:55.720 --> 00:25:58.599
the time by the bad actors because they know they're

365
00:25:58.599 --> 00:26:01.880
going to be more apt to get people to believe

366
00:26:01.960 --> 00:26:05.759
the email because there's so many more clients because State

367
00:26:05.799 --> 00:26:09.880
Farm is such a big insurance company. And I'm just

368
00:26:10.000 --> 00:26:12.039
off the top of my head, oh so you know

369
00:26:12.240 --> 00:26:15.960
the S. They could change it to a five and

370
00:26:16.599 --> 00:26:19.079
your naked eye is already thinking state Farm and are

371
00:26:19.079 --> 00:26:21.720
you going to read that as an S? Exactly right,

372
00:26:21.799 --> 00:26:24.279
So we say write down every character and look at

373
00:26:24.279 --> 00:26:26.839
the characters to see that they make sense when you

374
00:26:26.880 --> 00:26:28.039
put them together.

375
00:26:29.559 --> 00:26:31.680
And you think that, well, I don't have to be

376
00:26:31.759 --> 00:26:35.119
that careful, but yes you do these days.

377
00:26:35.039 --> 00:26:39.920
Yeah, because they're so they're just refining the scammers, the criminals.

378
00:26:39.920 --> 00:26:43.680
They're refining what they're doing, and they spend I mean

379
00:26:44.000 --> 00:26:47.640
hours and days, you know, refining and just making the

380
00:26:47.680 --> 00:26:52.799
slightest little change difference that keep us on our toes.

381
00:26:52.920 --> 00:26:56.119
You know that we're not necessarily looking at and you

382
00:26:56.160 --> 00:26:59.680
were right that they are. They're charging small dollar amounts

383
00:26:59.680 --> 00:27:01.680
because I know most of us don't look at every

384
00:27:01.759 --> 00:27:05.359
single detail on our credit card statements. You know, some

385
00:27:05.519 --> 00:27:08.880
people are like, oh, well that balance is pretty accurate.

386
00:27:08.920 --> 00:27:11.920
That's about what I normally spend, you know, you know,

387
00:27:12.160 --> 00:27:14.160
or okay, well I expected it to go up a

388
00:27:14.200 --> 00:27:16.720
lot this month because I was on a trip or whatever.

389
00:27:17.960 --> 00:27:21.240
But you can also, and I don't know if you

390
00:27:21.319 --> 00:27:24.319
do this with your credit card, and I'm sure the

391
00:27:24.359 --> 00:27:26.559
bank would do it with your debit cards, you can

392
00:27:26.599 --> 00:27:30.839
have an alert put on your cards where you get

393
00:27:30.880 --> 00:27:33.400
notified and it could be an email or a text

394
00:27:33.440 --> 00:27:37.000
message of every transaction that happens, or if you say

395
00:27:37.160 --> 00:27:39.000
I don't want to know everything, but I want to

396
00:27:39.039 --> 00:27:42.720
know everything over ten dollars or over twenty dollars or

397
00:27:42.759 --> 00:27:45.319
something like that. And then that way you get notified

398
00:27:45.359 --> 00:27:49.759
and it usually comes within minutes of that transaction happening.

399
00:27:50.200 --> 00:27:52.079
And so then you look at it and go in

400
00:27:52.519 --> 00:27:55.160
like with you you're the only one on your accounts,

401
00:27:55.279 --> 00:27:55.720
is that right?

402
00:27:56.000 --> 00:27:56.240
Yes?

403
00:27:56.759 --> 00:27:58.559
So yeah, so you would look at it and go,

404
00:27:58.640 --> 00:28:03.000
that wasn't me. You that call, that call, and then

405
00:28:03.319 --> 00:28:06.559
you know you could call them right away. It doesn't

406
00:28:06.599 --> 00:28:10.039
prevent the fraudulent charges, but what it does is it

407
00:28:10.119 --> 00:28:13.720
helps you mitigate them. So, as you said, when you're

408
00:28:13.759 --> 00:28:17.240
talking to the credit card company, you know you only

409
00:28:17.279 --> 00:28:19.480
have maybe a couple of them, you need to say, yeah,

410
00:28:19.519 --> 00:28:22.160
that wasn't me, because if you if you had not

411
00:28:22.319 --> 00:28:24.759
gotten your statement within a couple of days and it

412
00:28:24.759 --> 00:28:28.200
had been maybe a couple of weeks, you might have

413
00:28:28.319 --> 00:28:30.200
had a lot of charges. You might have had to

414
00:28:30.200 --> 00:28:32.279
go back and go okay, and you define the receipt.

415
00:28:32.359 --> 00:28:34.440
I don't know if that was actually me that made

416
00:28:34.440 --> 00:28:38.279
that purchase or it just makes it. It takes more

417
00:28:38.319 --> 00:28:41.920
of your time, yes, and you know, none of us

418
00:28:42.079 --> 00:28:46.880
budget any of the time having to deal with fraudulent charges.

419
00:28:47.160 --> 00:28:47.960
That's so true.

420
00:28:48.359 --> 00:28:52.519
Yes, you know, and it's a necessary evil when it

421
00:28:52.559 --> 00:28:55.720
happens that you have to spend that time. But all right,

422
00:28:55.759 --> 00:29:02.480
well let's let's look at where are we at? Oh,

423
00:29:02.519 --> 00:29:05.319
this is the one, a tech support one. You said

424
00:29:05.640 --> 00:29:08.359
in twenty twenty two, you were working on your home

425
00:29:08.400 --> 00:29:10.480
computer and suddenly the screen froze.

426
00:29:10.880 --> 00:29:15.680
Yes, yes, yes, and I couldn't do anything. It sure

427
00:29:15.839 --> 00:29:19.119
looked like it came from Microsoft. And there was a

428
00:29:19.119 --> 00:29:21.960
big phone number around the screen. Call us and our

429
00:29:22.000 --> 00:29:25.079
tech support will help you right away. So I called.

430
00:29:26.519 --> 00:29:31.200
I called on my landline that time. I had a landline,

431
00:29:31.920 --> 00:29:36.759
and very nice young man said. We talked and he said,

432
00:29:37.079 --> 00:29:41.319
let me proxy in with you. Well, wially, I know

433
00:29:41.400 --> 00:29:45.759
what that means, okay, And I was about to let him.

434
00:29:45.960 --> 00:29:51.960
But as we were talking on the landline, you know how,

435
00:29:52.839 --> 00:29:56.400
I'm looking at your screen right now, and across the

436
00:29:56.440 --> 00:29:59.960
bottom it says tune in to let's talk about scam.

437
00:30:00.759 --> 00:30:04.599
And something came across the bottom of the screen and

438
00:30:04.640 --> 00:30:07.960
there was a misspelled word in it. Oh. Now, I

439
00:30:08.079 --> 00:30:14.440
used to be a pretty good proof reader, and I said, wait,

440
00:30:14.839 --> 00:30:18.559
Microsoft wouldn't have a misspelled word. So I took my

441
00:30:18.759 --> 00:30:23.279
cell phone in my other hand and I dialed. I

442
00:30:23.480 --> 00:30:31.279
clicked best Buy with the scammer on the landline and

443
00:30:31.519 --> 00:30:35.480
in the cell phone in the other hand, got hold

444
00:30:35.519 --> 00:30:39.079
of someone at best Buy right away and told what

445
00:30:39.119 --> 00:30:43.079
was happening. He said, immediately hang up, turn off your computer.

446
00:30:44.359 --> 00:30:49.640
And I was lucky that time. About two minutes later

447
00:30:49.680 --> 00:30:52.160
we turned the computer back on and everything was okay.

448
00:30:52.240 --> 00:30:55.079
And I never let the guy proxy in, but at

449
00:30:55.119 --> 00:30:58.200
all I was saved by the ability to see there

450
00:30:58.240 --> 00:31:02.720
was a misspelled word. And if who thinks of that

451
00:31:02.799 --> 00:31:04.240
when you're in panic.

452
00:31:05.240 --> 00:31:09.200
Most people don't exactly because one of the things we

453
00:31:09.240 --> 00:31:14.119
talked about was the emotions, right, yes, and they put

454
00:31:14.160 --> 00:31:17.240
you in a panic state. Panic is an emotion. And

455
00:31:17.720 --> 00:31:22.480
because you have been a lifelong proof reader, you look

456
00:31:22.519 --> 00:31:26.960
at words a different way. Yes, yeah, but that is

457
00:31:27.000 --> 00:31:30.880
such a small small percentage of the population. Most people

458
00:31:31.279 --> 00:31:33.680
don't look at words that way. They would never have

459
00:31:33.799 --> 00:31:38.079
noticed that slight, little misspelling across the bottom. They're in

460
00:31:38.160 --> 00:31:40.680
that panic mode. All they want to do is get

461
00:31:40.720 --> 00:31:45.079
their computer fixed. And it's so you can see how

462
00:31:45.240 --> 00:31:49.000
quickly that that could have escalated had you not seen

463
00:31:49.039 --> 00:31:52.599
that misspelling. And then said, wait a minute, this doesn't

464
00:31:52.640 --> 00:31:53.160
make sense.

465
00:31:53.480 --> 00:31:57.400
Yeah, but I was lucky and before with the credit cards,

466
00:31:58.039 --> 00:32:01.559
my credit card company and the bank that handled the

467
00:32:01.599 --> 00:32:05.160
debit card company, I was never charged anything. So when

468
00:32:05.200 --> 00:32:07.960
I never lost any money, they're good. I did have

469
00:32:08.000 --> 00:32:12.240
to file some paperwork with I think, but they took

470
00:32:12.319 --> 00:32:14.240
care of it, and I'm so grateful.

471
00:32:14.880 --> 00:32:17.400
That's good, that's good. I'm glad. I'm more and more

472
00:32:17.440 --> 00:32:20.559
people are saying when they have fraudulent charges on their

473
00:32:20.599 --> 00:32:27.000
debit card that the bank is not holding them liable,

474
00:32:27.119 --> 00:32:29.720
which is, you know, they're they're putting the money back

475
00:32:29.720 --> 00:32:34.839
in their account, which is great to hear. You know

476
00:32:34.920 --> 00:32:38.440
that they're doing that because debit card is direct access

477
00:32:38.480 --> 00:32:42.160
into your bank account, right, which is you know why

478
00:32:42.200 --> 00:32:45.200
we tell people, you know, really the only reason you

479
00:32:45.240 --> 00:32:47.799
should use your debit card is if you're getting money

480
00:32:47.839 --> 00:32:50.839
out of an ATM, which is at the bank. You know,

481
00:32:50.960 --> 00:32:53.759
don't use those ATMs that are just sitting on sidewalks

482
00:32:53.839 --> 00:32:55.200
and stuff like that.

483
00:32:55.559 --> 00:33:00.119
Interestingly, I use my debit card only for two things,

484
00:33:00.160 --> 00:33:05.359
and I keep a register of every transaction on my

485
00:33:05.440 --> 00:33:09.319
debit card, like okay, like that check book register, and

486
00:33:09.400 --> 00:33:13.440
I check that against the statement I get every month.

487
00:33:13.799 --> 00:33:18.359
Okay, so all right, very good. So one of the

488
00:33:18.400 --> 00:33:21.799
things on that tech support scam you said after you

489
00:33:21.880 --> 00:33:23.839
talked to the Geek Squad and they said, you know,

490
00:33:23.880 --> 00:33:28.119
turn hang up and turn your computer off, and then

491
00:33:28.400 --> 00:33:30.519
you waited and then you turned it back on and

492
00:33:30.559 --> 00:33:36.200
everything seemed to be cleared. With what I said earlier,

493
00:33:36.240 --> 00:33:39.480
that scammers are getting better at their techniques and stuff,

494
00:33:39.519 --> 00:33:43.599
so they're figuring out ways that even by turning off

495
00:33:43.640 --> 00:33:46.440
your computer and then you know, and you can leave

496
00:33:46.440 --> 00:33:49.519
it sit, but then turning it back on, that that

497
00:33:49.680 --> 00:33:53.240
loud noise, that pop up, whatever it is you know

498
00:33:53.440 --> 00:33:57.799
is still there, that it's not going away. So you know,

499
00:33:57.880 --> 00:34:00.279
people need to know that just because you I mean

500
00:34:00.319 --> 00:34:02.440
turning it off and then turning it back on and

501
00:34:02.440 --> 00:34:06.599
have it go away, that's great, but just because it

502
00:34:06.680 --> 00:34:13.280
doesn't go away doesn't necessarily mean it's legitimate, which is

503
00:34:14.199 --> 00:34:17.480
and we did talk about our tips in that presentation,

504
00:34:18.199 --> 00:34:22.079
and I emphasized why to have a good tech support person,

505
00:34:22.679 --> 00:34:26.159
and you thought of geek Squad right away, and they're

506
00:34:26.239 --> 00:34:29.199
one of the most well known tech support places that

507
00:34:29.280 --> 00:34:32.199
are in best buy to call them, and you know,

508
00:34:32.280 --> 00:34:35.719
it could be an individual that has his own tech

509
00:34:35.760 --> 00:34:39.280
support company, his or her. It could be another company,

510
00:34:39.599 --> 00:34:42.760
you know, not geek squad, but always have them in

511
00:34:42.800 --> 00:34:47.480
your back pocket because when things like this happen, you're

512
00:34:47.519 --> 00:34:50.559
not going to have panic. On top of the panic

513
00:34:50.679 --> 00:34:55.159
already from thinking that you know you're losing everything on

514
00:34:55.199 --> 00:34:57.599
your device is to oh my god, who am I

515
00:34:57.639 --> 00:35:00.199
going to talk to? So well, this person see is

516
00:35:00.239 --> 00:35:04.320
really nice and trusting and you know they already know

517
00:35:04.440 --> 00:35:07.440
there's something going on, and so you know I need

518
00:35:07.440 --> 00:35:10.559
to talk to them. And they say they're from Microsoft, right,

519
00:35:10.639 --> 00:35:14.199
you said it looked like it was Microsoft. One of

520
00:35:14.239 --> 00:35:18.400
the things when we mentioned before about looking at the

521
00:35:18.440 --> 00:35:21.800
email address, and this goes with whether it's an email

522
00:35:21.800 --> 00:35:26.719
address or a website. If you're looking at one that

523
00:35:26.760 --> 00:35:32.119
you think is Microsoft, and so it's Microsoft dot com.

524
00:35:32.679 --> 00:35:37.440
But if it's a lowercase R and an N instead

525
00:35:37.440 --> 00:35:40.239
of that lowercase M, are you going to see that

526
00:35:40.320 --> 00:35:41.000
little space?

527
00:35:41.880 --> 00:35:43.760
Even a proofreader would might.

528
00:35:43.760 --> 00:35:48.920
Not exactly because your mind is already thinking Microsoft, So

529
00:35:49.039 --> 00:35:52.360
you're reading that as an M. And another reason why

530
00:35:52.800 --> 00:35:55.159
you know, if you just pause and you write down

531
00:35:55.199 --> 00:35:58.079
those characters and you're looking at a character and not

532
00:35:58.159 --> 00:36:02.679
a word. Yeah, but having that tech support person, you know,

533
00:36:03.280 --> 00:36:05.599
and it could be a family member or a friend

534
00:36:05.760 --> 00:36:09.320
that you trust that you know. Maybe they don't have

535
00:36:09.360 --> 00:36:12.719
a tech support company and that's not what they do

536
00:36:12.920 --> 00:36:17.960
for their job, but they're very in tune with how

537
00:36:18.000 --> 00:36:21.320
all of that stuff works that they are going to

538
00:36:21.360 --> 00:36:24.480
be your first person that you call and say, you know,

539
00:36:24.639 --> 00:36:27.480
Mike screen froze, this is what happened. What do I

540
00:36:27.519 --> 00:36:29.960
need to do? And they could probably help you navigate

541
00:36:31.000 --> 00:36:34.000
through maybe sometimes all of the situation or get you

542
00:36:34.039 --> 00:36:36.119
to a certain point where then they say, I think

543
00:36:36.159 --> 00:36:40.280
you need to talk to somebody you know.

544
00:36:40.400 --> 00:36:43.159
Who or have someone come out.

545
00:36:43.280 --> 00:36:47.000
Exactly, you know. And so it's just great to have

546
00:36:47.440 --> 00:36:49.440
to have that in your back pocket so you're not

547
00:36:49.559 --> 00:36:54.000
panicking on top of panicking, you know. And like you said,

548
00:36:54.119 --> 00:36:59.400
you know, if you would have let that gentleman, that

549
00:36:59.559 --> 00:37:03.280
nice gentlemen, because they always come across as nice and helpful,

550
00:37:03.480 --> 00:37:07.079
you know, into your device, that could have just escalated

551
00:37:07.320 --> 00:37:12.840
so quickly and gone bad so quickly. Yeah, all right,

552
00:37:12.960 --> 00:37:20.079
let's look at this. This might be the last Yeah,

553
00:37:20.679 --> 00:37:24.800
let's see here you said in twenty fifteen and you

554
00:37:24.840 --> 00:37:27.159
were in a different state, you were on a commuter

555
00:37:27.320 --> 00:37:31.239
train ride home from work and received an urgent email

556
00:37:31.400 --> 00:37:38.360
from a good friend asking for money. Tell us about

557
00:37:38.400 --> 00:37:38.880
that one.

558
00:37:39.239 --> 00:37:42.360
Well, the email, it was very short, and it was

559
00:37:42.440 --> 00:37:48.199
the accurate email from her address, her email address, and

560
00:37:48.599 --> 00:37:56.440
it said, please, can you help me? I got a

561
00:37:56.480 --> 00:38:02.599
call from my sister, apparently in another state, and she

562
00:38:02.840 --> 00:38:06.119
was either in an accident or something happened where she

563
00:38:06.320 --> 00:38:13.280
needed money. And the wording it just made your stomach now.

564
00:38:14.079 --> 00:38:17.719
And it wasn't long. It was only a couple of sentences,

565
00:38:18.280 --> 00:38:22.760
can you help? Well. I wanted to immediately get home,

566
00:38:23.360 --> 00:38:26.360
and what I would do is I would call this

567
00:38:26.480 --> 00:38:31.519
friend and commiserate with her and say, yes, I can't

568
00:38:31.519 --> 00:38:34.159
help a whole lot, but what do you need? Well,

569
00:38:34.199 --> 00:38:38.519
I still had about another hour train ride home after

570
00:38:38.559 --> 00:38:44.719
I read this, and I'm thinking to myself, wait a second.

571
00:38:46.239 --> 00:38:52.320
This friend, we'll call her Sue, and we've known each

572
00:38:52.360 --> 00:38:54.960
other for only about four or five years, but you

573
00:38:55.000 --> 00:38:58.360
know we've gone out and had coffee, etc. And told me.

574
00:38:58.360 --> 00:38:59.719
It was someone that you trusted.

575
00:39:00.199 --> 00:39:05.639
Yes, yes, And I sat up and I said, wait,

576
00:39:06.360 --> 00:39:09.599
she was an only child, she doesn't have any siblings.

577
00:39:10.719 --> 00:39:14.840
So I got home then about an hour later, and

578
00:39:14.880 --> 00:39:18.519
I called her and she said, oh, Joan, I'm so

579
00:39:18.559 --> 00:39:21.960
sorry that you got pulled into this too. Everybody's been

580
00:39:22.000 --> 00:39:26.960
calling me. Someone stole my email address and they're sending

581
00:39:27.000 --> 00:39:29.840
this out. And she said, Luckily the people who have

582
00:39:29.920 --> 00:39:35.320
called me, no one has sent money to anyone. I

583
00:39:35.360 --> 00:39:37.800
don't remember if there was a place to click on

584
00:39:37.880 --> 00:39:43.679
that that was, you know, over ten years ago. But

585
00:39:44.559 --> 00:39:51.440
that's when you start getting extra cautious. But again, we

586
00:39:51.519 --> 00:39:55.639
have so little time to read all the emails that

587
00:39:55.719 --> 00:39:58.880
we get. And that's another thing that I have to

588
00:39:58.880 --> 00:40:02.000
start doing, is I have to start paying closer attention

589
00:40:02.679 --> 00:40:06.519
to everything in an email, and of course never to

590
00:40:06.599 --> 00:40:11.400
click on anything unless you're one hundred percent positive.

591
00:40:11.280 --> 00:40:18.360
Right that it is legitimate. Yeah, so that's so. Yeah,

592
00:40:18.440 --> 00:40:22.760
a bad actor had gotten hold of her an email account,

593
00:40:23.239 --> 00:40:25.400
so they probably had her. They had her log in

594
00:40:25.480 --> 00:40:28.559
and were able to log in and and and send

595
00:40:28.639 --> 00:40:32.519
emails to all of her contacts that she had in

596
00:40:32.559 --> 00:40:35.800
there and impersonate her.

597
00:40:35.920 --> 00:40:36.079
Right.

598
00:40:37.440 --> 00:40:41.000
Luckily, it sounds like a lot of the people called her,

599
00:40:41.880 --> 00:40:45.719
well one because they were probably wanted to talk to her,

600
00:40:46.639 --> 00:40:49.360
you know, to just I'm so sorry this is happening.

601
00:40:49.880 --> 00:40:53.920
You know, what can I do? But you know, as

602
00:40:53.960 --> 00:40:58.000
busy as everybody is, and had you not you know, well,

603
00:40:58.159 --> 00:41:01.480
you said you wanted to call her immediately when you

604
00:41:01.519 --> 00:41:04.199
got home, But you know, there's a lot of people

605
00:41:04.199 --> 00:41:06.960
that wouldn't. They would just automatically go through the process,

606
00:41:07.119 --> 00:41:10.800
like I know, yeah, I need to get her the

607
00:41:10.840 --> 00:41:15.119
money and then I'll call her right to see how

608
00:41:15.159 --> 00:41:15.880
things are going.

609
00:41:17.320 --> 00:41:20.679
But because you're running on emotions though.

610
00:41:20.480 --> 00:41:24.199
Absolutely you're running on emotions. And I think one of

611
00:41:24.199 --> 00:41:28.119
the things we talked about was making a decision off

612
00:41:28.159 --> 00:41:32.440
of an emotion versus a logical state of mind. A

613
00:41:32.440 --> 00:41:34.440
lot of times it's a different decision, and it's not

614
00:41:34.480 --> 00:41:39.559
one that we would normally want to make. But could

615
00:41:39.639 --> 00:41:43.639
you see how if someone got a hold of the

616
00:41:43.760 --> 00:41:48.239
email account? What damage a bad actor could do if

617
00:41:48.239 --> 00:41:50.039
they were able to get into someone's phone.

618
00:41:50.639 --> 00:41:57.440
Oh yes, yeah, it really does scare me to think,

619
00:41:57.480 --> 00:42:03.880
as you say, they are the bad actors and the

620
00:42:04.039 --> 00:42:11.760
processes that they're creating I have evolved so much. As

621
00:42:11.760 --> 00:42:14.880
soon as they hit a roadblock somewhere, they learn how

622
00:42:14.880 --> 00:42:19.480
to get around the roadblock. Yep. Yeah. And I've never

623
00:42:19.519 --> 00:42:24.719
been the greatest at tech, but I do know how

624
00:42:24.760 --> 00:42:32.519
to operate my computer and yeah, it's it's just so scary.

625
00:42:32.679 --> 00:42:35.599
It is, right, and you know a lot of us

626
00:42:35.719 --> 00:42:40.519
aren't tech savvy enough to handle a lot of things

627
00:42:40.599 --> 00:42:44.920
that go wrong on your devices. And your phone is

628
00:42:45.000 --> 00:42:49.800
really a mobile computer, you know. I believe we did

629
00:42:49.840 --> 00:42:51.880
talk about that as well. You know that you need

630
00:42:51.920 --> 00:42:55.360
to make sure you have your phone locked down. I

631
00:42:55.480 --> 00:42:59.880
even not too long ago, turned off the text message

632
00:43:00.079 --> 00:43:04.679
reviews on the previews you get on the lock screen

633
00:43:06.079 --> 00:43:09.840
because of I have some of my authentic I have

634
00:43:09.920 --> 00:43:14.360
some of my multi factor authentic cat codes sent to

635
00:43:14.440 --> 00:43:17.159
my authenticator app, but I still have some of them

636
00:43:17.199 --> 00:43:20.679
that are text message and a lot of times that

637
00:43:20.800 --> 00:43:24.519
preview shows that number. And yes, it's convenient because then

638
00:43:24.559 --> 00:43:26.760
you don't have to open your phone and go to

639
00:43:26.800 --> 00:43:29.760
your text messages. You can see it right there. But

640
00:43:30.159 --> 00:43:33.719
if someone's trying to get into your account and they've

641
00:43:33.760 --> 00:43:37.320
gotten your log in and now they're sending you you

642
00:43:37.360 --> 00:43:42.840
know this for this text message for the code, and

643
00:43:42.960 --> 00:43:45.800
maybe your yeah, your phone's and a lock screen, but

644
00:43:45.840 --> 00:43:47.880
you leave to go to the bathroom, or you leave

645
00:43:47.920 --> 00:43:49.960
it on a table and you're talking to someone for

646
00:43:50.000 --> 00:43:53.519
a while, the code could show up right there.

647
00:43:53.599 --> 00:43:59.760
So yeah, that's going a little bit beyond my knowledge.

648
00:44:00.239 --> 00:44:04.719
Yeah, you just go into I'm pull it up on

649
00:44:05.119 --> 00:44:09.519
Do you have an iPhone? No, I've got Android.

650
00:44:09.360 --> 00:44:11.679
A semi smartphone.

651
00:44:13.280 --> 00:44:15.360
I think I have to remember how I did this.

652
00:44:17.360 --> 00:44:19.599
I think you just go down to in your settings,

653
00:44:19.639 --> 00:44:23.559
you go to apps, and then you go to messages.

654
00:44:24.079 --> 00:44:27.360
Okay, I'm writing this down. I'll check it out.

655
00:44:29.559 --> 00:44:35.440
Yeah, you go to messages and then boy, there's a

656
00:44:35.440 --> 00:44:36.440
lot of stuff in here.

657
00:44:37.000 --> 00:44:40.519
Yeah, but that's okay, I can.

658
00:44:41.360 --> 00:44:47.880
No, it's a text messaging. Let's see.

659
00:44:49.039 --> 00:44:49.679
You go to.

660
00:44:53.360 --> 00:45:01.519
Notifications, okay, and then you go down to it's on

661
00:45:01.559 --> 00:45:06.480
the iPhone. It's under lock screen appearance, and you can

662
00:45:06.519 --> 00:45:10.559
have it. It says show previews and you could say always,

663
00:45:10.639 --> 00:45:14.440
which is the default, or you could say when unlocked,

664
00:45:14.599 --> 00:45:16.960
or you could say never, and I have mind shown

665
00:45:17.000 --> 00:45:20.280
as never. So what shows up on a lock screen

666
00:45:20.440 --> 00:45:23.159
is it shows that you have a text message, and

667
00:45:23.239 --> 00:45:25.840
if it's from someone in your contacts, it'll have the

668
00:45:26.079 --> 00:45:30.239
person's name and that's all. It won't show any part

669
00:45:30.239 --> 00:45:32.559
of the text message. You have to open your phone

670
00:45:32.960 --> 00:45:35.039
and go into the text message to read it.

671
00:45:35.360 --> 00:45:37.480
Okay, excellent, Yeah, very good.

672
00:45:37.760 --> 00:45:42.480
Yeah, So all right, well Joan I can't thank you

673
00:45:42.679 --> 00:45:48.000
enough for being willing to share these experiences with us.

674
00:45:48.079 --> 00:45:53.239
I think having these personal experiences, because everybody is different

675
00:45:53.320 --> 00:45:57.840
with their experience, really can help can help people.

676
00:45:58.280 --> 00:46:03.559
Yes, and you've said before, the more you talk about it,

677
00:46:04.000 --> 00:46:09.199
and the more the more often you hear the vocabulary

678
00:46:09.280 --> 00:46:13.760
of scamming, the more alert you'll be, right, right.

679
00:46:13.679 --> 00:46:16.079
You know, you're very welcome. It's you know, we need

680
00:46:16.119 --> 00:46:20.280
to start making scams and scam prevention a positive thing

681
00:46:20.400 --> 00:46:24.239
to talk about, because if it's always in a negative context,

682
00:46:24.239 --> 00:46:27.440
nobody's going to want to talk about it, right, Make

683
00:46:27.480 --> 00:46:30.480
it positive, you know, make it, you know, talk about

684
00:46:30.599 --> 00:46:33.559
experiences like you did, right, You talk to your friend

685
00:46:33.880 --> 00:46:35.960
and they were like, oh my gosh, you know this

686
00:46:36.119 --> 00:46:39.239
is what you need. Your friend knew that, right, that

687
00:46:39.679 --> 00:46:44.079
was the surprise. Yeah, and so yeah, sharing your experiences

688
00:46:44.159 --> 00:46:49.719
talking about it can it can definitely help other people. Absolutely.

689
00:46:49.840 --> 00:46:53.119
But thank you again, Joan. I really appreciate your time,

690
00:46:53.360 --> 00:46:56.800
and I thank you for please. Yeah, I hope we

691
00:46:56.920 --> 00:46:59.920
stay in contact. Yes, thank you, all right, you're welcome.

692
00:47:01.480 --> 00:47:04.280
All right, thank you guys for joining us today, and

693
00:47:04.599 --> 00:47:07.440
a big thank you to Joan for sharing her scam

694
00:47:07.519 --> 00:47:11.559
experiences with us. Lots of great information here if you're

695
00:47:11.599 --> 00:47:14.440
going back, If you want to go back to our

696
00:47:14.480 --> 00:47:20.639
YouTube page, the link is right on the top of

697
00:47:20.679 --> 00:47:24.519
our homepage on our website at Rosadvocacy dot org and

698
00:47:24.800 --> 00:47:28.960
listen to the whole episode again, lots of great valuable

699
00:47:28.960 --> 00:47:35.079
information there different scams that Joan had experience, and then

700
00:47:35.119 --> 00:47:39.719
also some prevention and protection tips in there as well.

701
00:47:40.159 --> 00:47:42.920
And don't forget to click subscribe to the YouTube channel

702
00:47:43.000 --> 00:47:46.599
so you get notified of what's coming up every week.

703
00:47:47.039 --> 00:47:49.119
All right, thank you guys, I'll see you next week.

704
00:47:51.239 --> 00:47:54.239
Well that's all the knowledge for this episode. June in

705
00:47:54.480 --> 00:47:58.000
every Tuesday at eight am Pacific time on kfour HG

706
00:47:58.239 --> 00:48:02.639
Radio at KFOURHG dot com as Joyce explores a variety

707
00:48:02.679 --> 00:48:05.960
of knowledge, so you have the power to make scam

708
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protection your healthy habit. And until then, feel free to

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reach out to Joyce and let's talk about scams.