May 13, 2025

Investment & Tech Support Scams - Top 2 Scams in 2024 Losses for Older Adults

Investment & Tech Support Scams - Top 2 Scams in 2024 Losses for Older Adults
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Season 1

The last two weeks we talked about the 2024 FBI IC3 report and the related statistics in addition to how scams have evolved over the years.
In this episode we are going to dive into the top two scams with the most amount of losses in 2024 for older adults - investment and tech support scams. Listen in to learn more about these two scams and how to protect yourself.

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.

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. 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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legal advice. The podcast information was carefully compiled from vetted

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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.

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

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listen show for anyone who wants to protect themselves and

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their loved ones from scams. Every Tuesday at am Pacific

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time on K four HD Radio, Joyce Petrowski, founder of Rose,

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and her guests will provide valuable insights and practical tips

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on how to recognize and protect yourself from scams. And

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now here is your host, Joyce Petrowski.

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Well, welcome back, everybody. Thank you for joining me this morning.

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I'm Joyce Petrowski, founder and board president of Rose Resources

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Outreach to safeguard the elderly. You can find more resources

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on our website at Roseadvocacy dot org. On the homepage

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at the bottom, you can sign up for our email

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and or mailed newsletter, and our social media links are

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on there, so you can follow us on our variety

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of different social media channels, and you can find all

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the past live streams and shorts on our YouTube channel.

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The link is on our homepage for that as well.

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So a couple weeks ago, we talked about the new

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FBI IC three annual report that came out specifically related

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to the elder Fraud Report and how the number of

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victims in the sixty plus age population and the number

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the amount of losses have drastically increased. And then last

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week my guest host Brian Watson talked about how scams

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have evolved over the last you know, fifteen twenty years,

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and so now today I want to talk about to

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go back to the the annual report from the FBI's

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Internet Crime Complaints Center for two thousand and twenty four.

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It highlighted in the sixty plus age population. Two scams

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in particular that represented close to half of the losses,

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and that's the investment scams and the tech support scams.

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So we're going to start with tech support fraud. And

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I've got everything up on the screen here and you

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can see this is from twenty twenty one that the

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losses amounted to three hundred and forty seven million, which

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represents one hundred and thirty seven percent increase from twenty

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and twenty. And they say most victims, almost sixty percent

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of them reported to be over sixty years of age,

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and they experienced at least sixty eight percent of the losses. Now,

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if you look at this table, look at where we

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were in two and twenty, and this is for all

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age populations, one hundred and forty six million. It's a

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lot of money compared to twenty seventeen, which was fourteen million.

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But look at twenty twenty one, it more than doubled.

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As they said, it represented one hundred and thirty seven

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percent increase. Again, all age populations up to almost three

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hundred and forty eight million dollars, and the sixty plus

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population is more than half of that dollar amount. So

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then this next slide, we get into twenty twenty two,

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and they've started the FBI started putting together the tech

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and customer support along with government personations because they have

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a tendency to kind of go together. You'll see as

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we go through this, we're going to talk about how

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scams have evolved over the years, and you'll see where

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the scammers are incorporating government personation into their tech support scam.

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So they started reporting them together. But you can see

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here the tech and customer support there was, and again

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this is all age populations over thirty two thousand reported

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victims losing over eight hundred and six million dollars. It's

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one hundred and thirty two percent increase. But if you

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look at this and then look at this this graph

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here for the let's see the over sixty population represented

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sixty nine percent. That's this dark blue here. They lost

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over seven hundred and twenty four million to these scams,

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more than victims of all other age groups combined. And

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victims over sixty have lost their life savings, their homes,

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and all the way to even losing their lives. And

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it's devastating, and there have been reported that some have

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actually committed suicides. So this is not just devastating financially.

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These scams have a devastating effect psychologically, socially, emotionally, they

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have a lot more drastic effects. Financial is a huge impact,

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but these other ones are just as big as well.

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And look here, call centers overwhelmingly target the elderly with

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devastating effects. Almost half the victims report to be over

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sixty forty six percent and experienced sixty nine percent of

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the losses, as we said, over seven hundred and twenty

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four million. And this is interesting, and this is in

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twenty twenty two. They said that based on the reports

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that the scams primarily emanate from call centers in South Asia,

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mainly India, and so the FBI in response to that,

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the Department of Justice and the FBI have started collaborating

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with law enforcement of India to try to combat these

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cyber enabled financial crimes and these call center frauds. Now,

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let's look at twenty twenty three. Now, remember the tech

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and customer support eight hundred and six million. It went

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up one hundred and thirty two percent. Look at where

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we're at for twenty twenty three was nine hundred and

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twenty four million. And you look over here at the trend,

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it shows that it went up fifteen percent. Fifteen percent. Again,

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that's all age populations, and you might look at that

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and go, well, that's not really a big increase. Well,

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fifteen percent might not be a big increase from the

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previous year, but nine hundred and twenty four million dollars,

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as we said on the previous screen, represents people's life savings.

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They lose their homes and sometimes they even lose their lives.

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So this is devastating. And again call centers overwhelmingly target

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older adults. Almost half the complaints forty percent. Yes, it's

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down a little bit from twenty twenty two, which was

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I think forty six percent, but forty percent is still

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a lot that needs to be zero. And they experience

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fifty eight percent of the losses over seven hundred and

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seventy million just to the sixty plus population, and if

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we go back to twenty twenty two, it was over

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seven hundred and twenty four million, So those numbers are

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increasing and this people are losing their lives as a

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result of this. Now, let's look at some I found

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a handful of public service announcements that the FBI has

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put out over the last looks like nine years. So

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this first one came out on tech support scams on

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June second, twenty sixteen. And when the FBI puts these

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public service announcements out, it's because they're seeing an increase

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in these types of scams, increase in the victims. Maybe

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they're the scammers are changing up their techniques and they're

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starting to see new techniques. And you're going to see

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that as we go through these FBI public service announcements

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over the next nine years that I have up on

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this screen for tech support, you're going to see just

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how these scams have evolved over the years, like what

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Brian was talking about last week. So this one relates

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to the subject claims to be an employee of a

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major computer software or security company offering technical support to

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the victim. Right, that's pretty much how they came out.

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They could be pretending to be support for cable and

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internet companies, maybe offering assistance with digital cable boxes and connections,

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modems rous routers. The company. They're claiming the company has

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received notifications of errors, viruses, security issues from the victims

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internet connection and they're also claiming to work on behalf

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of government agencies to resolve computer viruses and threats from

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possible foreign countries or terrorist organizations. So how does this

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scam work here? So the initial contact occurs by different methods.

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So one telephone, can they call your landline, Yes, they

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could call your landline. But nowadays almost everyone has smartphones,

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which are your mobile computers that you carry around with you,

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and yes they're a huge convenience to have, but they

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also can pose threats if not protected appropriately. So it's

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what they say here. The victims receive a cold call

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from someone who claims that the victim's computer is sending

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error messages and viruses were detected. They get a pop

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up message, right, The victims receive I think we a

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lot of us have seen those on screen pop up

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messages claiming viruses are attacking the device and here's a

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phone number to call and receive assistance. Sometimes they could

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have a locked screen on the device. This is what's

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called blue screen of Death or BSoD. Victims report receiving

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a freezing locks frozen lock screen with a phone number

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and instructions to contact a phony tech support company, and

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some victims even reported being redirected to alternate websites. And

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then the blue screen of death occurred, and that they

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said they've noticed particularly noticed when the victim was assessing

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social media or financial websites. And sometimes those pop up

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messages or lock screens are accompanied by a recorded verbal message. Now,

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wouldn't that be scary? Right? Your your computer screen locks,

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and all of a sudden, this voice comes out saying

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that you know you called this phone number for assistance.

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You're already fearful that you're going to lose everything that's

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on your device, and it could be sensitive documents on

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your device. You know, it could be you know, you

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might have had your bank account open, or it could

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be putting a virus on there that's going to watch

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every keystroke that you make, so then they have access

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to whatever accounts you log into a lot of different things.

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And so you're already in that emotional state of being scared,

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and now this voice comes on there and it freaks

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you out even more, and so it's going to want

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to make you call that number without thinking, because you

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just want this to stop and you want to get

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your computer and you're in your data to be safe.

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And then the DEVOCE so if the once you've engaged

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and called that number. If the device is mobile a tablet, smartphone,

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the subject often instructs, or it should say, the scammer

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instructs the victim to connect the device to a computer

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to be fixed, and then once the once the scammer

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is remotely connected to the device. They claim to have

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found multiple viruses malware scareware that can be removed for

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a fee. There's always fees involved, and they'll get it

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via a personal debit or credit card, an electronic check,

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a wire transfer. They're going to want you to do

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a prepaid card. Back in twenty sixteen, they saw a

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few instances where the victim paid by personal check. I

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think that's pretty much gone by the wayside because of

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all the access we have to instantly transfer money. I

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think those personal checks now are taken over with those

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peer to peer apps. You know, why send a check

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when you can have somebody just do Venmo or zell

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or PayPal and have it sent directly to the scammer.

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And they've noticed back then that there are some variations

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and trends with this. They saw an increase of this

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when this scam occurs where the scammer contacts the victim

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offering a refund for tech support services previously rendered because

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the company was closed. We still see that today. I

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haven't really heard too much that they've used the company

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as closed, But what I've heard more of is that

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they're using the scenario of your O to refund on

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a previous subscription. And so you know, that's where they

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pretend to be those more well known, reputable companies, you know,

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like Microsoft and McAfee and all of those ones that

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have been around for a long time, and you very

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well could have had a subscription with one of those companies.

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I know a lady that this happened to it. They

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just hit her at the right time because she did

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have a subscription to the company. They were impersonating that

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she had closed the previous year, and so she thought

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it was legitimate and went through the whole channel, and

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so you know, they what they do is they convince

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the victim to let them have access to their device,

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but then they log onto their bank account pros the refund,

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and then the scammer has control of the victim's device

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and the bank account, and so then the scammer appears

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to have mistakenly refunded too much money to the victim's

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account and requests that the victim will wire the difference

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back to the impersonated company, which is really the scammer.

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But really what happened was is that they saw where

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the scammer was actually just transferring funds between the victim's

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own accounts, like maybe going from a savings to a checking,

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or a retirement account to a checking or how you know,

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whatever accounts were involved there to make it appear as

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if those funds were deposited, and then the victim wires

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the money back, not finding out till later that those

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funds actually came from one of their own accounts, So

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and that refunding and wiring can happen multiple times in

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which the victim then loses thousands of dollars. And then

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the last part of it is they've also noticed where

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the victims have reported that the scammers are becoming hostile, abusive,

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foul language and threats when being challenged by the victims.

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And I think we're seeing a lot more of that now.

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I see a lot of things on social media where

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people in fact, I just saw one yesterday from a

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friend where he explained that someone called him saying that

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someone has taken over as Microsoft. I think it was

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his Microsoft account, and they needed him to do put

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this code in his computer and he was like, well,

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I don't really want to do that, and the person

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on the other end said, go blank yourself. You can

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just fill in what he would have said in the blank.

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But so they are, and I think the becoming hostile,

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abusive and foul language and issuing threats is becoming more

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and more common these days. And as always with any complaint,

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you really, whether you've lost money or you haven't, you

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should report it because it gives law enforcement more information

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on how to on how to or more information on

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00:17:20.799 --> 00:17:25.079
the actual scam, on who's involved, and it just it

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adds pieces to the puzzle. And you can do that

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right at this website here www. Dot ic three dot gov.

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And if you want to look up any of the

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FBI's public service announcements, you can get on this website

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as well www. Dot ic three dot gov and look

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under public information and you can just look at a

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bunch of different public service announcements over the years that

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they've put out on a wide variety of crimes in topics.

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So we were in twenty sixteen, now twenty eighteen they

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came out with one just labeled tech support fraud. So again,

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these these complaints are increasing. It's from twenty eighteen or

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twenty seventeen to sixteen to seventeen, it went up eighty

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six percent, So that warrants another public service announcement to

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come out to get this information out to the public.

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Went up from complaints from victims in from seventy different

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countries to eighty five different countries. So again, scammers are

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posing a security customer technical support offering to resolve issues

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as maybe a compromised email account, a bank account, a

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virus on the computer, assists with a software license renewal

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or refund. You know. They they they're impersonating representatives from

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printer companies, cable company and now they've actually started with

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these virtual currency exchangers as well. And now that what

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we said earlier, this fraud's become more commonplace, they started

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to pose as government officials even offering to recover losses

276
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related to these tech support fraud schemes or to request

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financial assistance with apprehending criminals. Just know that it's law

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enforcement that is going to go after these criminals and

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they do not need financial assistance from the general public

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to do that, and they work with specific either government

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companies or specific contracted companies outside of the government to

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go after these accounts to try to recover losses. And

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I emphasize try because recovering law us does not happen

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a lot happening. It's happening a lot more these days

285
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than it has in the past. But the law enforcement

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already has these companies who they work with, and they're

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not going to call the individual victim offering to for

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00:20:20.519 --> 00:20:24.279
money to help get their money back. They're doing it

289
00:20:24.839 --> 00:20:29.240
through law enforcement. So the fraudickers, like we talked about

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the telephone, now here's some new one. There's a pop

291
00:20:32.440 --> 00:20:38.000
up message the lock screen. Search engine advertising, so individuals

292
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in need of tech support may use online search engines

293
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to find tech support companies. So the scammers will pay

294
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to have their fraudulent tech support companies link show higher

295
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in the search results, hoping the victims will choose one

296
00:20:54.799 --> 00:20:57.599
of those top links in the search results. Those are

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usually like if you're on Google, legitimate companies can pay

298
00:21:03.400 --> 00:21:08.720
these Google ads to have their information show up first

299
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or you know, in the top three up there, and

300
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that's it's legitimate. Legitimate companies pay to have this done.

301
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But as scams evolve, and as the scammers evolve, they

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are also paying to have their sponsor and it'll usually

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say sponsored ad show up at the top, so you're

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more likely to click on that. So just when you

305
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see something that says sponsored ad, and I know Rose

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as an organization will do that as well, But just

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then find the verified website for whatever company it is

308
00:21:48.640 --> 00:21:52.759
without going through that sponsored ad, and then you will

309
00:21:52.759 --> 00:21:56.319
be able to find any anything they're talking about, if

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it is an actual legitimate sponsored ad, will be on

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that company's verified website. So just know you don't have

312
00:22:02.839 --> 00:22:05.440
to go in through that sponsored ad. You can always

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go in through the company's verified website. But again, this

314
00:22:08.359 --> 00:22:11.240
is the way scammers are evolving. They're using search engine

315
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advertising for it. Now let's see what this says. The

316
00:22:15.839 --> 00:22:20.440
pop ups and the lock screens. We talked about the

317
00:22:20.559 --> 00:22:25.279
recorded verbal message, but now they frequently program into links

318
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for advertisements. We talked about that. You know social media.

319
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They're all over social media, and they can make a

320
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web address for a popular website look really really similar, right.

321
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They might just change you know, maybe let's say a

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00:22:50.000 --> 00:22:54.519
lowercase L to the number one, and are you going

323
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to notice that difference. You might not because your naked

324
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eye is looking for the actual company, and you might

325
00:23:01.960 --> 00:23:05.920
not notice that that lowercase L is actually a one,

326
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which could make all the difference. And so we always

327
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recommend people write down every character to the right of

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00:23:13.480 --> 00:23:16.880
the at sign. Some people have even suggested writing it

329
00:23:16.920 --> 00:23:20.759
down backwards. But if you're writing down every character and

330
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you're looking at each individual character and not necessarily the

331
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name of the company, you're going to be more apt

332
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to get the right character and then notice that it's off.

333
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They also now are using Back in eighteen they talked

334
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about the phishing email those there is a big increase

335
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in again getting an email just out of the blue

336
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saying that there's an issue. Again, they're using it for

337
00:23:46.839 --> 00:23:53.240
the fake refund scheme as well, and again variations on this.

338
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Criminals poses government officials or law enforcements offering assistance and

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recovering losses. But now they're posing as collection services, claiming

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the victim didn't pay for prior tech support services and

341
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they're threatened with legal action. So you get any calls

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00:24:11.720 --> 00:24:17.799
like that go directly to whatever company the supposed collection

343
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the scammer that's posing as the collection company is claiming

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to get their funds. Go directly to that company, not

345
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the collection company, the actual company and find out if

346
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you actually do all money virtual currency again, increasing they

347
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pose as support for the virtual currency accounts, you know,

348
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getting into those wallets. I believe they're called to be

349
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able to then take over their virtual currency. Let's see

350
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another thing that they were seeing is that the scammers

351
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who took control of the victim's devices or accounts didn't

352
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release control until a ransom was paid. But you can

353
00:25:07.559 --> 00:25:11.319
bet that even if you did pay a ransom to

354
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get your stuff back, the criminal already has all of

355
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the information and if it's your bank account, they can

356
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wipe it out and then you're going to get it

357
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back with zeros, So just be careful with that. Let's

358
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go down to twenty twenty two, so technical and customer

359
00:25:32.039 --> 00:25:37.319
support fraud again, kind of the same issues. In twenty

360
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twenty two, they're adding like utility companies cryptocurrency exchanges that

361
00:25:43.200 --> 00:25:47.759
they're impersonating, and they're also now seeing an uptick in

362
00:25:47.799 --> 00:25:51.359
the use of cryptocurrency ATMs, which is an emerging method

363
00:25:51.400 --> 00:25:54.079
of payment. You find a lot of those, like in

364
00:25:54.160 --> 00:25:57.799
gas stations, and shopping malls and things like that. And

365
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I actually heard recently someone tell me they were in

366
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a gas station and I don't know where it was at,

367
00:26:05.039 --> 00:26:10.759
but the owner literally was ripping out the cryptocurrency ATM

368
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and they started talking to him and he was like,

369
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I have seen so many people come in here with

370
00:26:16.960 --> 00:26:20.160
thousands of dollars in cash and they are just putting

371
00:26:20.200 --> 00:26:25.880
it into this cryptocurrency ATM and they don't invest in cryptocurrency,

372
00:26:25.880 --> 00:26:28.000
but yet they're using these and he goes, I can't

373
00:26:28.039 --> 00:26:32.599
stand this anymore. I'm getting rid of this. So just

374
00:26:32.640 --> 00:26:36.880
be wary of that. If you are investing in cryptocurrency,

375
00:26:37.799 --> 00:26:41.480
please research who you're dealing with, what it is, and

376
00:26:41.519 --> 00:26:44.839
make sure you understand it completely before you even start

377
00:26:44.839 --> 00:26:46.519
to invest in it, the same as you would do

378
00:26:46.599 --> 00:26:48.880
with any investment that you would want to get into.

379
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Do your research and make sure you are using a

380
00:26:52.880 --> 00:26:55.880
reputable person if you are using a third party or

381
00:26:55.960 --> 00:27:01.680
reputable company to handle this information. So they're also impersonating

382
00:27:01.720 --> 00:27:04.960
bank support. So I've heard of this in the last

383
00:27:05.000 --> 00:27:07.519
few years where they're talking about saying, there's an issue

384
00:27:07.519 --> 00:27:10.119
with your bank account. We've noticed fraud. You need to

385
00:27:10.119 --> 00:27:12.680
transfer your money, and they tell you a lot of times.

386
00:27:12.720 --> 00:27:15.680
They tell you to do it in not all at once,

387
00:27:15.720 --> 00:27:18.599
but do it over multiple days in certain amounts to

388
00:27:18.880 --> 00:27:24.599
is not alert people at the bank. And then they

389
00:27:24.680 --> 00:27:31.559
might Also they're impersonating drivers employed by ride share or

390
00:27:31.599 --> 00:27:36.279
transportation mobility companies, saying that there was an issue regarding

391
00:27:36.400 --> 00:27:39.720
a ride or complaint or the driver's account, so the

392
00:27:39.799 --> 00:27:42.599
driver's convinced to allow access to their accounts. So this

393
00:27:42.640 --> 00:27:45.000
would be like with uber drivers or lyft drivers. So

394
00:27:45.000 --> 00:27:47.640
if you're or you're a driver for a mobility company,

395
00:27:47.759 --> 00:27:51.839
just know that they are impersonating them. As well. Travel industry,

396
00:27:52.200 --> 00:27:55.599
you know, they're impersonating customer support of car rental, airline,

397
00:27:55.640 --> 00:27:59.519
hotel industries, offering these great deals, right, these too good

398
00:27:59.519 --> 00:28:05.960
to be true deals, and taking fake reservations. Let's get

399
00:28:06.000 --> 00:28:11.599
down to twenty twenty later in twenty twenty two, excuse me,

400
00:28:12.400 --> 00:28:17.839
so scammers using computer technical support impersonation scams to target

401
00:28:17.920 --> 00:28:21.359
victims and conduct wire transfers. I think we've talked a

402
00:28:21.400 --> 00:28:29.920
lot about this. So what they're saying here is scam.

403
00:28:30.160 --> 00:28:34.160
The victims will get contacted through email, elaborate messages that

404
00:28:34.240 --> 00:28:37.160
seem authentic, claiming to provide a form of technical service,

405
00:28:37.880 --> 00:28:39.720
you know, such as those that you might find at

406
00:28:39.759 --> 00:28:43.680
major electronics store chains that sell electronics, computers, and other

407
00:28:43.720 --> 00:28:47.519
digital devices. The scammers claim to aid and securing a

408
00:28:47.559 --> 00:28:52.759
refund through remote act access to the victim's computer, or

409
00:28:54.039 --> 00:28:57.160
the email hints at a pending renewal of a subscription

410
00:28:57.880 --> 00:28:59.640
that you have to do within the next twenty four

411
00:28:59.680 --> 00:29:01.880
hours or you're you know, going to lose it. It

412
00:29:01.920 --> 00:29:08.039
could be a computer protection plan or a warranty in

413
00:29:08.119 --> 00:29:11.160
a sense of urgency to renew it or you're going

414
00:29:11.240 --> 00:29:13.920
to lose it. The first thing to do there is

415
00:29:14.599 --> 00:29:18.039
ask yourself, do you even have that service? Do you

416
00:29:18.039 --> 00:29:21.920
even have that warranty or that protection plan? If you're

417
00:29:21.960 --> 00:29:25.880
not sure, find the verified phone number of whatever company

418
00:29:25.920 --> 00:29:29.680
they're impersonating and call them directly and ask the question.

419
00:29:30.279 --> 00:29:32.720
And then if you do and you do want to

420
00:29:32.759 --> 00:29:34.960
renew it, you can renew it through them and not

421
00:29:35.119 --> 00:29:38.200
have to go through any links that are in that email.

422
00:29:38.519 --> 00:29:41.200
That's your way to verify whether or not that email

423
00:29:41.279 --> 00:29:45.599
is accurate. They can also contact you, you know, by

424
00:29:45.599 --> 00:29:50.559
phone numbers, and then they scammers have been known to

425
00:29:50.640 --> 00:29:53.200
leave voice messages they are starting you know they've been

426
00:29:53.359 --> 00:29:57.079
they've been leaving voicemail messages and they want you to

427
00:29:57.119 --> 00:30:00.200
call them at this number. And so yeah, you know,

428
00:30:00.240 --> 00:30:03.160
it's not that expensive to get phone numbers, so just

429
00:30:03.200 --> 00:30:06.039
be careful. You can always verify the phone number and

430
00:30:06.119 --> 00:30:08.440
make sure it is an actual phone number of the

431
00:30:08.519 --> 00:30:14.039
company that they're claiming to be from. You know, same

432
00:30:14.160 --> 00:30:16.839
kind of thing. They're requesting a refund or receive an

433
00:30:16.880 --> 00:30:20.440
explanation of the service renewal, and then they persuade the

434
00:30:20.519 --> 00:30:24.720
victim to download remote Desktop Protocol software and then that

435
00:30:24.799 --> 00:30:30.240
actually gives the scammers full access to their computers with

436
00:30:30.359 --> 00:30:35.920
the refund. It works on the same way where they

437
00:30:36.480 --> 00:30:39.039
can get into the person's bank account because they're already

438
00:30:39.039 --> 00:30:41.279
into the computer, and they get the victim to open

439
00:30:41.359 --> 00:30:45.359
up their bank account showing that they've deposited a refund.

440
00:30:45.440 --> 00:30:48.440
But oh my gosh, I put too many zeros in there.

441
00:30:48.480 --> 00:30:51.680
It's a mistake. I'm going to get fired. I need

442
00:30:51.720 --> 00:30:54.480
you to send the money back right away. And so

443
00:30:54.599 --> 00:30:57.839
this again is how they've evolved. It's not necessarily where

444
00:30:57.839 --> 00:31:00.599
they're transferring money from your account from one of your

445
00:31:00.599 --> 00:31:03.839
accounts to another account. They actually make it look like

446
00:31:04.119 --> 00:31:07.200
they're putting a refund into your account, and they put

447
00:31:07.200 --> 00:31:10.640
too many zeros to the left of the decimal point right,

448
00:31:10.680 --> 00:31:13.200
and so then they're going to get fired. And so

449
00:31:13.279 --> 00:31:14.920
they get you to run to the bank and take

450
00:31:14.960 --> 00:31:16.799
cash out, and they tell you how to send it

451
00:31:17.200 --> 00:31:19.880
or I need you to wire the money back to me,

452
00:31:20.480 --> 00:31:22.680
and then you don't know until a day or two

453
00:31:22.799 --> 00:31:25.400
later that oh my gosh, that money never hit my

454
00:31:25.440 --> 00:31:29.400
account to begin with. So now I'm out. I'm out

455
00:31:29.440 --> 00:31:32.160
of this month. I'm out of the money that I

456
00:31:32.240 --> 00:31:38.759
sent to them. So you know, here's a sample interaction screen.

457
00:31:38.880 --> 00:31:42.119
Welcome to blank. You just put a company's name in

458
00:31:42.240 --> 00:31:45.839
refund server. Please enter your name, accept it. Please enter

459
00:31:45.880 --> 00:31:49.799
your bank name, verifying, verified zip codes verifying. Then they

460
00:31:49.920 --> 00:31:54.279
verified it the refund amount. Please wait, money wired, money cleared.

461
00:31:54.319 --> 00:31:57.039
Please check your account balance. Thank you for banking with us.

462
00:31:57.559 --> 00:32:01.319
They can make your screen show all of these things

463
00:32:01.640 --> 00:32:04.960
to make it look like it is actually your bank,

464
00:32:05.319 --> 00:32:09.039
showing that they've verified your information and that they've the

465
00:32:09.079 --> 00:32:14.880
money's wired, they've verified that you've received it. So just

466
00:32:14.960 --> 00:32:22.240
remember you resist the pressure to act quickly and always

467
00:32:22.559 --> 00:32:26.920
verify before you can trust the contact and verify by

468
00:32:27.440 --> 00:32:30.480
if you have the legitimate phone number for whatever company

469
00:32:30.519 --> 00:32:34.839
it is, call them, find their verified website, go there

470
00:32:34.920 --> 00:32:37.319
and get the phone number and call them, or log

471
00:32:37.359 --> 00:32:39.759
onto your account if you do the online stuff with

472
00:32:40.200 --> 00:32:43.160
these companies the way you normally would and check your

473
00:32:43.160 --> 00:32:47.400
account out, but verify, talk to somebody, talk to your

474
00:32:47.440 --> 00:32:50.400
trusted person and go through the steps as to what

475
00:32:50.559 --> 00:32:55.160
Sometimes you saying it out loud, your brain kind of

476
00:32:55.200 --> 00:32:58.279
flips out of that emotional state into your rational state,

477
00:32:58.559 --> 00:33:00.319
and then you all of a sudden go, well, this

478
00:33:00.359 --> 00:33:05.960
doesn't make any sense, so talk to somebody. There's a

479
00:33:05.960 --> 00:33:08.960
lot of tech support announcements we're into twenty twenty three

480
00:33:09.039 --> 00:33:14.000
or PSAs. Here's one Phantom hacker scams target senior citizens

481
00:33:14.039 --> 00:33:17.799
and result in victims losing their life savings. So this

482
00:33:17.960 --> 00:33:22.960
is where the phantom hacker scam uses tech support scam

483
00:33:25.759 --> 00:33:30.480
so impersonating a tech support company, a financial institution, and

484
00:33:30.759 --> 00:33:35.680
government personas to enhance the trust of the victim, and

485
00:33:35.880 --> 00:33:39.200
the scammers have been known to just wipe out entire banks,

486
00:33:39.559 --> 00:33:45.319
checking savings, retirement investment accounts. There's estimated losses of five

487
00:33:45.400 --> 00:33:49.920
hundred and forty two million with this. So a scammer

488
00:33:49.960 --> 00:33:53.119
poses as a techer customer support from a legitimate company,

489
00:33:53.559 --> 00:33:56.480
right any of those ways we talked about. The victim

490
00:33:56.519 --> 00:33:59.000
then engages with them. They get them to download a

491
00:33:59.039 --> 00:34:02.799
software program allowing the scammer access to their computer. They

492
00:34:02.839 --> 00:34:05.720
pretend to run a virus scan, claims the virus has

493
00:34:05.759 --> 00:34:08.480
been at risk or at hacked, and then they ask

494
00:34:08.519 --> 00:34:10.559
them to open their financial accounts, and then all of

495
00:34:10.599 --> 00:34:13.280
a sudden, there's these you know, fraud going on on

496
00:34:13.320 --> 00:34:16.000
their account and send lo and behold, here comes a

497
00:34:16.039 --> 00:34:19.760
financial institution impostor. And then they start showing them that

498
00:34:19.840 --> 00:34:23.360
there's fraud on their account and that a foreign hacker

499
00:34:24.639 --> 00:34:27.599
has been involved in that. The victim must move their

500
00:34:27.639 --> 00:34:30.280
money to a safe third party account, such as an

501
00:34:30.320 --> 00:34:34.159
account with a Federal Reserve or another US government agency,

502
00:34:34.519 --> 00:34:37.000
and they direct them how to do that, whether it's

503
00:34:37.000 --> 00:34:44.119
through a wire transfer, cryptocurrency. And then phase three incomes

504
00:34:44.119 --> 00:34:48.440
the US government impostor, so then they can be posing

505
00:34:48.559 --> 00:34:51.239
as a US government employee at the Federal Reserve or

506
00:34:51.280 --> 00:34:56.679
another government agency. And then if the victim becomes suspicious

507
00:34:56.800 --> 00:34:59.760
of the government impostor, they may send an email or

508
00:34:59.760 --> 00:35:02.840
a letter on what appears to be an official US

509
00:35:02.960 --> 00:35:08.280
government letterhead to legitimize the scam, and they just continue

510
00:35:08.280 --> 00:35:11.280
to emphasize your funds are unsafe, they must be moved

511
00:35:11.320 --> 00:35:16.280
to this new alias account until the victim finally will

512
00:35:16.320 --> 00:35:19.400
do it. So here's another graph here tech Support and

513
00:35:19.480 --> 00:35:22.480
postor that there's an issue and that it affects your

514
00:35:22.480 --> 00:35:24.639
bank account. Now you have a second one coming in

515
00:35:24.679 --> 00:35:27.920
impersonating someone at the bank, and then a third one

516
00:35:27.960 --> 00:35:32.039
coming in impersonating someone at as a government impostor to

517
00:35:32.119 --> 00:35:35.239
get you to believe this make it all the more

518
00:35:35.320 --> 00:35:40.960
legitimate and want you to move your money. So here

519
00:35:40.960 --> 00:35:44.440
we are in twenty twenty four. They've upped their scammers

520
00:35:44.440 --> 00:35:48.039
of up their game again. Now they're actually using couriers

521
00:35:48.480 --> 00:35:52.320
to come get the cash, or they get you to

522
00:35:52.760 --> 00:35:56.039
take your money and buy gold bars or some sort

523
00:35:56.079 --> 00:35:59.559
of precious metal, and the courier comes and picks that

524
00:35:59.639 --> 00:36:03.960
stuff up. And so you know, they do the same

525
00:36:04.320 --> 00:36:07.039
thing as the phantom hacker scam. You know, they impersonate

526
00:36:07.079 --> 00:36:09.719
tech Support, then they impersonate a bank official than a

527
00:36:09.760 --> 00:36:13.159
government official. But now step two is they're using couriers.

528
00:36:13.599 --> 00:36:16.440
So they'll send a courier to retrieve items at the

529
00:36:16.519 --> 00:36:18.400
victims' homes, or they'll have them meet them in a

530
00:36:18.400 --> 00:36:24.559
public location, so they may direct the victim to authenticate

531
00:36:24.559 --> 00:36:27.480
the transaction with the courier using a pass code such

532
00:36:27.480 --> 00:36:31.960
as a serial number of US dollar bill, and that

533
00:36:32.079 --> 00:36:35.559
they'll safeguard the assets in a protected account until they

534
00:36:35.599 --> 00:36:39.760
can get their bank account stuff fixed. Well, then you

535
00:36:39.840 --> 00:36:41.960
never hear from them again. You go to your bank,

536
00:36:42.119 --> 00:36:44.559
you find out this was all a scam, and you

537
00:36:44.639 --> 00:36:50.119
are out all of that money. So I think you

538
00:36:50.159 --> 00:36:54.079
can see from all these different public service announcements how

539
00:36:54.519 --> 00:36:56.840
there's still a lot of the same tactics that they

540
00:36:56.960 --> 00:37:00.000
use in these tech support scams, but how they've evolved

541
00:37:00.199 --> 00:37:03.480
over the years and they're implementing it and making their schemes.

542
00:37:04.199 --> 00:37:07.719
They're using more tactics in it that they're impersonating multiple

543
00:37:07.800 --> 00:37:10.840
people and or they're adding that you're getting a refund

544
00:37:11.000 --> 00:37:13.719
instead of having to pay for something, or that your

545
00:37:13.840 --> 00:37:17.079
account right and is in jeopardy. You need to transfer

546
00:37:17.159 --> 00:37:19.519
your money into this new account, or go out and

547
00:37:19.559 --> 00:37:23.559
buy precious metals, or just take the cash out and

548
00:37:23.599 --> 00:37:25.400
we're going to send a courier to come get it.

549
00:37:25.920 --> 00:37:27.800
So the other one I want to talk about before

550
00:37:27.840 --> 00:37:31.920
we run out of time. Is investment scams now investment scams,

551
00:37:33.000 --> 00:37:36.079
they can be liquidity mining Victims are enticed to link

552
00:37:36.119 --> 00:37:41.760
their cryptocurrency wallet to a fraudulent liquidity mining hack. Social media,

553
00:37:42.039 --> 00:37:45.880
so this happens all the time. So if someone's and

554
00:37:46.119 --> 00:37:49.719
this is different from your social media being cloned cloned,

555
00:37:49.840 --> 00:37:53.639
is they have another social media account where they're using

556
00:37:53.719 --> 00:37:59.199
your pictures and all of that to impersonate you. But

557
00:37:59.360 --> 00:38:03.360
some people's accounts actually get hacked where they then don't

558
00:38:03.480 --> 00:38:07.400
have any control of their account, and now the scammer

559
00:38:07.800 --> 00:38:10.599
can start messaging their friends. They have access to their

560
00:38:10.639 --> 00:38:14.199
friends list, even if they're private, because they've gotten into

561
00:38:14.239 --> 00:38:18.800
the person's social media account, and so then they start

562
00:38:19.119 --> 00:38:22.480
posing as you, wanting your friends to invest in these

563
00:38:22.960 --> 00:38:30.239
great opportunities. Celebrity impersonations. This is happening all of the time.

564
00:38:30.360 --> 00:38:32.719
If you just type in Google or whatever search bar

565
00:38:32.800 --> 00:38:36.480
you use, celebrity impersonation scams, you are going to find

566
00:38:36.880 --> 00:38:40.599
so many celebrities who have been impersonated, so many different

567
00:38:40.639 --> 00:38:46.159
types of scams. But again, you know, they pretend to

568
00:38:46.159 --> 00:38:48.960
be a celebrity. They are going to make a friendship

569
00:38:49.000 --> 00:38:51.159
with you and get you entice you to want to

570
00:38:51.199 --> 00:38:56.559
invest in some sort of investment, sometimes cryptocurrency. They are

571
00:38:56.599 --> 00:38:59.320
even targeting real estate professionals. They act as a real

572
00:38:59.400 --> 00:39:04.519
estate agent or a real estate agent offering to buy

573
00:39:04.599 --> 00:39:07.679
a very expensive property for cash or crypto, and then

574
00:39:07.719 --> 00:39:12.840
once engaged, the scammer will expose their control of fictitious accounts.

575
00:39:13.679 --> 00:39:17.800
They'll have fictitious accounts with purported value of millions of

576
00:39:17.840 --> 00:39:20.880
dollars to entice the real estate professional to engage in

577
00:39:20.920 --> 00:39:24.840
their investment scheme. There's employment ones out there, fake positions

578
00:39:24.880 --> 00:39:30.320
at investment firms. Again, verify before you do any investment.

579
00:39:30.960 --> 00:39:34.280
Verify that the investment is legitimate, and that if you're

580
00:39:34.360 --> 00:39:37.639
using a third party, that you are using a legitimate

581
00:39:37.719 --> 00:39:43.000
third party, And verify with the verified website or the

582
00:39:43.079 --> 00:39:46.480
verified phone number, and check things out before you do

583
00:39:46.519 --> 00:39:51.119
any investment. Twenty twenty three. Let's look at the graph

584
00:39:51.159 --> 00:39:55.079
here nineteen. You can see it's a lot of money.

585
00:39:55.199 --> 00:39:59.480
It's probably well, I think the red is the red

586
00:39:59.519 --> 00:40:05.400
is crypto investment, the green is investments. In general. They

587
00:40:05.400 --> 00:40:11.519
were up to looks like just under maybe about two

588
00:40:11.639 --> 00:40:14.920
hundred million dollars. And by the way this barograph reads,

589
00:40:14.920 --> 00:40:16.320
you're going to look at it, say, oh, there's not

590
00:40:16.480 --> 00:40:18.960
very many losses. Well, two hundred and fifty million dollars

591
00:40:19.039 --> 00:40:21.159
is a lot, But look at how this grows. Didn't

592
00:40:21.159 --> 00:40:23.519
grow much in twenty twenty. Look at how it jumped

593
00:40:23.519 --> 00:40:26.400
in twenty twenty one. Now look how it over more

594
00:40:26.480 --> 00:40:29.440
than doubled again in twenty twenty two, and then it

595
00:40:29.480 --> 00:40:32.599
goes up again. We're in the billions of dollars now

596
00:40:32.639 --> 00:40:34.800
with these investment scams. And if you look over to

597
00:40:34.840 --> 00:40:37.920
the left, look at this, the thirty to thirty nine

598
00:40:38.000 --> 00:40:41.679
year olds, the forty to forty nine year olds had

599
00:40:41.719 --> 00:40:46.119
the most victims, and the over sixty had a lot

600
00:40:46.119 --> 00:40:48.119
of victims as well as long as the thirty to

601
00:40:48.159 --> 00:40:52.239
thirty nine year olds. If I had to guess, I

602
00:40:52.239 --> 00:40:55.599
would guess that the over sixty probably lost more money

603
00:40:56.119 --> 00:40:58.039
than the forty to forty nine and the thirty to

604
00:40:58.119 --> 00:41:00.920
thirty nine did. But that's that's just a guess on

605
00:41:00.960 --> 00:41:06.159
my part. So you can see how the investments cryptocurrency

606
00:41:06.199 --> 00:41:14.000
investments companies falsely claiming to recover lost funds in cryptocurrency,

607
00:41:14.039 --> 00:41:17.840
and then they're getting into this non fungible token. Developers

608
00:41:19.920 --> 00:41:23.000
can't really tell you about non fungible token developers because

609
00:41:23.039 --> 00:41:26.159
I don't really I haven't really learned anything about that,

610
00:41:26.280 --> 00:41:29.159
but I'm sure there are legitimate ones out there that

611
00:41:29.280 --> 00:41:31.719
if you wanted to learn more, you could find information

612
00:41:32.440 --> 00:41:35.079
on the web. But let's look at some public service

613
00:41:35.119 --> 00:41:39.159
announcements from the FBI. This is twenty twenty two. So

614
00:41:39.280 --> 00:41:44.039
this is a Miami Field Office investment schemes involving cryptocurrency

615
00:41:44.079 --> 00:41:47.440
called pig butchering. Pig butchering is a way that they've

616
00:41:47.480 --> 00:41:51.320
evolved with their investment schemes. So this is where they

617
00:41:51.400 --> 00:41:56.440
pose as highly successful traders, and they are first of

618
00:41:56.480 --> 00:41:59.760
all when they make contact with you, usually on various

619
00:41:59.800 --> 00:42:04.840
social media or dating applications, but you know, it could

620
00:42:04.880 --> 00:42:08.000
come in a variety of different ways, and they're posing

621
00:42:08.039 --> 00:42:11.239
as a potential friend or maybe a romantic partner. So

622
00:42:11.360 --> 00:42:15.199
with this pig butchering, they're bringing romance kind of some

623
00:42:15.280 --> 00:42:18.800
techniques in from the romance scam and doing that grooming

624
00:42:18.920 --> 00:42:21.920
there to get you to believe what they're saying. And

625
00:42:21.960 --> 00:42:26.159
they use fake websites and apps to show you that

626
00:42:26.199 --> 00:42:28.599
they're making all of this money, and they'll use them

627
00:42:28.639 --> 00:42:31.719
to show you how you can track your investments to

628
00:42:31.800 --> 00:42:34.519
show you that you're making all this money to get

629
00:42:34.559 --> 00:42:38.960
you to want to keep investing, and then when you

630
00:42:39.000 --> 00:42:41.000
want to cash out, they're told they need to pay

631
00:42:41.000 --> 00:42:44.559
income taxes or fees, causing you to lose more money.

632
00:42:45.000 --> 00:42:49.679
And then you're unable to retrieve your investments as you

633
00:42:49.760 --> 00:42:54.679
often lose contact with the scammers. They might close the

634
00:42:54.679 --> 00:42:57.840
fraudulent website or they're just going to cease contact with

635
00:42:57.880 --> 00:43:03.280
you either. So many of those victims reported being making

636
00:43:03.519 --> 00:43:11.000
wire transfers to overseas accounts. They're using cryptocurrency ATMs. Let's

637
00:43:11.039 --> 00:43:17.280
see again investments. You have to verify everything I did

638
00:43:17.320 --> 00:43:21.519
when I was doing the podcast last year. I did

639
00:43:22.559 --> 00:43:26.920
one of my podcasts with a gentleman who was in

640
00:43:26.960 --> 00:43:30.360
a pig butchering scheme. But he did a lot of

641
00:43:30.400 --> 00:43:34.760
research before he invested money and came across this pig

642
00:43:34.800 --> 00:43:38.280
butchering scheme and realized that that's what she was doing

643
00:43:38.280 --> 00:43:40.239
to him. And I will contact him and see if

644
00:43:40.239 --> 00:43:42.320
I can't get him back on so we can talk

645
00:43:42.760 --> 00:43:46.519
more about this, but the pig butchering scheme in particular.

646
00:43:46.599 --> 00:43:50.840
But this was another PSA from twenty twenty three. They're

647
00:43:50.880 --> 00:43:54.760
seeing a spike in crypto investment schemes. They approach the victims,

648
00:43:54.760 --> 00:43:57.519
they build the trust. And the building the trust here

649
00:43:57.599 --> 00:44:02.039
is the dangerous part because they're eploiding your trust and

650
00:44:02.119 --> 00:44:07.000
that gets you to believe what they're saying and put

651
00:44:07.039 --> 00:44:10.400
more money into these investments over time, just keep investing

652
00:44:10.400 --> 00:44:13.320
in investing. Then they introduce the scheme and then they

653
00:44:13.360 --> 00:44:17.199
steal your funds. So they are socially engineered and trust enabled,

654
00:44:17.559 --> 00:44:22.079
right beginning with a confidence or romance scam excuse me,

655
00:44:22.119 --> 00:44:25.599
and then involving into the crypto investment fraud. They use

656
00:44:25.639 --> 00:44:29.559
fake identities, they build those relationships. Just be careful if

657
00:44:29.559 --> 00:44:33.280
you're on dating apps, social media platforms, per networking sites,

658
00:44:33.400 --> 00:44:38.239
encrypted messaging apps, you have to do your research and

659
00:44:38.360 --> 00:44:42.559
you can't just believe what people are telling you. And

660
00:44:42.679 --> 00:44:45.559
especially with the pig butchering and when they're trying to

661
00:44:45.599 --> 00:44:49.079
befriend you and they go through this building trust here,

662
00:44:49.880 --> 00:44:53.480
that's along the lines of the grooming and the romance scam,

663
00:44:53.800 --> 00:44:57.679
and that can get very dangerous. I spoke to a

664
00:44:57.760 --> 00:45:00.000
lady who she said it was as if they took over.

665
00:45:00.880 --> 00:45:05.880
The criminal took over her brain, had her thinking everything

666
00:45:06.039 --> 00:45:11.559
he wanted her to think, so that just adds a

667
00:45:11.559 --> 00:45:14.280
whole other layer onto these schemes, and it could be

668
00:45:17.039 --> 00:45:20.559
and it could be hard to break that trust that

669
00:45:20.559 --> 00:45:24.159
the scammer has you in, so be very careful, always

670
00:45:24.159 --> 00:45:28.400
do your research here. They've noticed in later in twenty

671
00:45:28.480 --> 00:45:32.280
twenty three, they noticed an increase in falsely claiming to

672
00:45:32.320 --> 00:45:38.079
recover loss funds and that is the end of those

673
00:45:38.079 --> 00:45:42.199
public service announcements. So with any investment, just please please

674
00:45:42.280 --> 00:45:46.320
please do your research. There's a lot of legitimate information online.

675
00:45:47.239 --> 00:45:51.760
If there's a lot of investment brokers that have offices

676
00:45:52.039 --> 00:45:55.079
in your neighborhood, your town, your city, If you're not

677
00:45:55.159 --> 00:45:58.440
familiar with any of them, talk to your friends and

678
00:45:58.519 --> 00:46:02.840
see who they use as an investment broker that they trust,

679
00:46:03.320 --> 00:46:05.719
or maybe a family member has somebody that they trust,

680
00:46:06.239 --> 00:46:11.400
and talk directly with them and verify things before you

681
00:46:11.519 --> 00:46:15.519
actually spend any money in these investments. And you really

682
00:46:15.559 --> 00:46:19.199
have to understand cryptocurrency before you get invested in it.

683
00:46:19.679 --> 00:46:22.840
You really need to understand it. I would imagine some

684
00:46:22.960 --> 00:46:29.639
investment brokers do deal in cryptocurrency. Again, ask for references

685
00:46:30.440 --> 00:46:34.719
and verify everything before you decide to do these investments.

686
00:46:34.800 --> 00:46:37.880
But I hope you were able to see today one

687
00:46:38.639 --> 00:46:41.960
get some more information on these investment scams and tech

688
00:46:42.000 --> 00:46:46.719
support scams. And for those of you that I know,

689
00:46:46.760 --> 00:46:49.719
we talk a lot about how this affects the sixty

690
00:46:49.719 --> 00:46:53.440
plus population, but if you have older loved ones that

691
00:46:53.519 --> 00:46:56.519
you are talked to on a regular basis, and they

692
00:46:56.519 --> 00:46:59.960
could be neighbors, they could be family members, friends, whatever,

693
00:47:00.079 --> 00:47:03.360
or just start talking about this information. Just say hey,

694
00:47:03.840 --> 00:47:08.239
you know, I was listening to Roses radio show and

695
00:47:08.360 --> 00:47:12.079
I got on the FBI'SIC three dot gov website and

696
00:47:12.119 --> 00:47:15.000
I found this public service announcement. Look what these criminals

697
00:47:15.039 --> 00:47:18.760
are doing. And it's a non defensive, non threatening way

698
00:47:18.760 --> 00:47:21.800
to just start having these conversations because the more we

699
00:47:21.840 --> 00:47:26.559
talk about it, the more it helps everybody keep scam

700
00:47:26.599 --> 00:47:31.360
awareness and protection at top of mind and to be

701
00:47:31.440 --> 00:47:35.320
able to help people when they were contacted realize that

702
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it's a scam before they get into that emotional state

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or before the scammer has started a grooming process. And

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then please always verify before you can trust anything. That's

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all I have for today. Remember you can get on

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00:47:53.559 --> 00:47:57.039
our website at Roseadvocacy dot org. Sign up for our

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00:47:57.079 --> 00:48:00.000
emailed and mailed newsletters at the bottom of the homepage.

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00:48:00.199 --> 00:48:04.840
Social media links are there. Follow us on YouTube, subscribe

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00:48:04.880 --> 00:48:07.159
to our YouTube channel. You can find all the past

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00:48:07.519 --> 00:48:10.760
live radio streams and the shorts on there, plus the

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00:48:10.840 --> 00:48:14.239
older podcast that I did. You can find those episodes

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on there as well. And see you next Tuesday. Thank you.

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Well, that's all the knowledge for this episode. Juni in

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00:48:23.360 --> 00:48:27.440
every Tuesday at eight am Pacific time on KFOURHD Radio

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00:48:27.599 --> 00:48:32.320
at KFOURHD dot com as Joyce explores a variety of knowledge,

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00:48:32.360 --> 00:48:35.920
so you have the power to make scam protection your

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00:48:36.079 --> 00:48:39.719
healthy habit, and until then, feel free to reach out

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00:48:39.719 --> 00:48:42.320
to Joyce and let's talk about scams.