Nov. 4, 2025

Learn from our guest why she doesn't write checks anymore

Learn from our guest why she doesn't write checks anymore
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Season 1

Tune in to learn our guest's check and credit card fraud experience. How the bank intervened, and the time it took her to fix it. She will also discuss the protections she put in place as a result of her experience.

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,

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legal counseling, professional service, or any advice. You should seek

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the services of competent professionals before applying or trying any

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suggested ideas. The information contained in this podcast is intended

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for informational purposes only and is not a substitute for

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individual professional legal advice. The podcast information was carefully compiled

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from vetted sources and references. However, Rose Resources outreach to

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safeguard the elderly cannot guarantee that you will not fall

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victim to a scam. Let's talk about scams. It's the

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must listen show for anyone who wants to protect themselves

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and their loved ones from scams. Every Tuesday 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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Hi, everyone, welcome back to let's talk about scams. I'm

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Joyce Petrowski, founder and board president of Rose Resources Outreach

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to safeguard the elderly. You can find more information on

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our website at Roseadvocacy dot org. If you scroll down

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to the bottom of the homepage, you'll find the links

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to sign up for our emailed newsletter and or our

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mailed newsletter. They come out every month, and our emailed

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newsletter every Tuesday at nine to fifteen am, so in

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about ten fifteen minutes we send out a Tuesday tip.

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It's nice to get this even if you already know

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the tip. That's great, But what it does is it's

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a reminder to keep scam prevention and your healthy skepticism

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top of mind, so the next time you're contacted, you'll

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be more apt to think scam and pause and do

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the steps you need to do in order to verify everything.

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You also find our social media links on the website

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and Facebook is back.

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Our Facebook account is back up. It's been about.

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Oh gosh too a little over two months, but we

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finally got it reactivated, so it's back and you'll see

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a lot more posts there. So today I have a

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guest named Shirley who's going to join us to talk

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about her scam experience and why she doesn't write checks anymore.

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So let's welcome Shirley.

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Hi, Charley, Hi there, how are you?

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I'm good?

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Thank you good. So Shirley attended one of our presentations.

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Recently and we got to talking and she said, you know,

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I'd be willing to share my experience, you know, on

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the radio show. So she's here with us today, and

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why don't you tell us a little bit about your experience.

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I received a call from my bank to back up

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a bit. I checked my accounts on every day, Oh,

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my bank accounts and so forth, keep track of everything

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that's good. And then I received a call was Bank Americas,

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Well Home bank, and they said, have you been writing

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a series of big checks? Well, of course then you

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And that was a phone call, so I was leary

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of it. So I got on the web right away,

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and what the lady said was true, and they had

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stopped a series of checks from coming, but in the meantime,

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three or four of them went through before their ability

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or whatever it is, stopped any more checks from coming. Okay,

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And so that's how I first learned about it. So,

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of course you immediately stopped the account, which of course

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was the account with all the automatic reductions. Yes, and

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so from then I and so that's how I learned

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about it.

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That was great that Bank of America caught it. You know,

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it's unfortunate that a few of them got through, but

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that's usually what happens. But that they caught it and

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called you right away. And and you said, when you

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got the phone call and they said they were the bank,

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you were leary. And that's good because that's your healthy

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skepticism going, Okay, is this really the bank or is

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this a scammer trying to call me? And you went

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through your verification process and will write to your online

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accounts to check things out, and found out it was legitimate.

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Right. So then of course they they stopped anymore like

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automatic payments from going through, and so every time one

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would still come through, I would have to call the

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fraud unit, which was a lot of work. First, then

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I had to call all of the all of the automatic.

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The companies you have those automatic.

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And I didn't have a new I didn't have a

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new bank number at the time. I can't remember how

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I did that, but I told them that I would

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be sending a new bank account number. Now some or

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credit card numbers. Some of them went tried to go

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through and they looked legitimate to me, legitimate to be.

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After that, I had to call a fraud unit every time.

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There are a lot of phone calls. Oh wow, what

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was happening? So I I did change all of that,

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but it took a long time for it to happen.

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There was a lot of work, and then they sent

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me paperwork to go and so forth.

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Wow.

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They I saw a copy of the check. Someone had

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gotten a copy one of my checks. Sent some money

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to a relative and he works in a car dealership,

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and I think that he automatically, not automatically, but he

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downloaded the check as you can do with.

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Your the banking apps on deposit the check that way.

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The check and tear it up. But I think I'm

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sure because it was the only check I wrote. That

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he left it on a counter there in the garage

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where he worked, and somebody caught it and copied it.

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Had a copy of a real check, And I guess

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it was fortunate. It must have been somebody that wasn't professional,

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it didn't know a lot about what he or she

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was doing, because they tried to send through a whole

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bunch of checks all at once.

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Oh, okay or too, and so.

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That's what that's how Bank America caught it right away.

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It was unusual activity on your account and then.

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Right av Yeah it was my check and at the

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bottom was the correct route number and check number.

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Yep.

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But they changed the amount and signed my name, but

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it was signed it obviously it wasn't my signature. You

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have talked. I learned a lot from your presentation and

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talked about jail pins, and probably I didn't use a

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jailpin when I wrote that this is the last check

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I ever wrote. I haven't written a check since, but

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if I had to, I would use a jail pin.

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And I thank you for passing those out at.

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The meeting, very very welcome.

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So it kind of sounds like they might have taken

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the one check that they found or an essence stole

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and rewrote that check. But it sounds like then they

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made some udulant checks based off of the one check

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they had.

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If they if they put multiple checks through.

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Yeah, yeah, I don't know how. And of course my

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relatives just forgot to tear the check up or what.

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And probably didn't realize the importance. Actually I didn't either

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before that.

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Yeah, you know, and I think a lot of people don't.

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A lot of people are moving to using their phones,

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and you know, just about every bank has an app

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you can download on your phone. And you know, I

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know a lot of I personally don't do it, but

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I know a lot of people that do it.

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It's convenient.

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You get a check, you take a picture of it,

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and it goes right into your bank account. But the

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downside of that is if you don't put the actual

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check in a secure place, or you know, kind of

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rite void all over it, or some people have even

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said kind of rip it through the account number.

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Whatever that you know, it's it's.

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People can do exactly what happened to you, right, And

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a lot of people don't think about that. They think, well,

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I deposited the check, the check's no good, right, but

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not thinking it farther through. And unfortunately, in today's world,

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we have to think it farther through. We have to think, well,

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what if someone got hold of this that was up

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to no good?

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Changed a lot after that. And so now I have

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a couple of different banks and accounts, and the Credit

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Union and so I set limits on how much can

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be depositor checked each out us and notices every day

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on how much money is in the account and all activity.

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Now it means I get a lot of almost annoying messages. Yes,

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but I am glad they send them. Yeah, and you

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know that the credit union is really excessive. They said

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it on message. Then they sent another message saying it

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I logged into in or someone who if I logged in?

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And then they said an email. But that's okay.

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Yeah, And you know that is the thing, right is

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like with all the emails and the text messages we

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get today from a wide variety of things, you know,

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it can seem inundating. You open up your inbox and

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it's like you have one hundred and fifty emails, right,

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and you're just like, oh my gosh, and your mind

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automatically goes to all right, delete, delete, delete, and you

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end up deleting some important ones. But like you said,

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it can get annoying, but you're very thankful that they're

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sending all of these because it keeps you informed, It

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keeps you notified, and you would get notified right away if.

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Something was not right. You would know it and be

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able to take action.

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And that has been a big help. And now if

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I I'm transferring some money from a brokerage from one

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bank or to the credit union, but just changing where

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I'm keeping my money. But if I write a check,

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one was for a fair amount thirty thousand, and immediately

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Bank America, I got a message from them and it

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just said did you mean to write this check? Did

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you write this check? And I said, and I just

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said yes. So I get I watch my phone, I

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get the emails on my phone, and of like most

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people do, and I just watch it really carefully and

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try not to delete any messages that I need to keep.

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Right right right, it's it's I know, I have a

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lot of alerts set up on mine. I could do

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more alerts on my account, and I probably should go

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in there and set up you know, more specific alerts,

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but especially on the credit cards, right, you know, I

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get alerts on those, so I know if if something's wrong,

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you know right away. But so I want to get

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back to you mentioned you get alerts from your bank

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and the credit union. So you get an alert whenever

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you log.

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In on the credit Yes, actually on they do, okay,

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the credit union. It tells me that I logged in

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message and email email, So wait, you know sort of

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the way I have it set up.

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And then you get you get an email and or

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a message for any activity that happens on your accounts yes, yes, okay,

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So that could be a deposit, that could be a transfer,

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a check, an ATM or anything like that.

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And I don't well, I don't use ATMs, and I don't.

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I have a debit card, but I don't is it.

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But on the debit card, I have a limit amount

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per day, which is which I think is important to

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limit cars to your account. If you're not.

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Creous, absolutely you you if you didn't know that before

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our presentation. That's one of the things we talk about

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is your debit card is a gateway right into the

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account that it's that it's connected to. And putting a

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limit on how much you can be withdrawn with your

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debit card on a daily basis, I think that's great

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because if somebody were to get a hold of it,

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then they're limited to that dollar amount, right right, and

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so it and then you're going to get notified of

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the transaction and you'll be able to stop it. So

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they're limited to how much they're going to be able

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to get out out of that.

228
00:13:43.840 --> 00:13:47.879
And I I just don't go to ATMs. If I

229
00:13:47.919 --> 00:13:51.320
want cash, I go into the bank, into the credit union.

230
00:13:51.679 --> 00:13:54.399
Yeah, yeah, and that you know, that's good because you know,

231
00:13:54.720 --> 00:13:58.279
card readers, we've seen those for a number of years.

232
00:13:58.480 --> 00:14:02.120
You know, they were always founded gas station pumps outside

233
00:14:02.240 --> 00:14:05.200
right of the gas outside of the actual store.

234
00:14:06.600 --> 00:14:06.799
You know.

235
00:14:07.360 --> 00:14:09.879
Not to say that they couldn't be in ATM machines

236
00:14:09.879 --> 00:14:12.840
as well, which is why we recommend people only use

237
00:14:12.919 --> 00:14:17.480
the ATM machine at the bank. Yeah, there still is

238
00:14:17.519 --> 00:14:19.720
a small risk that somebody's going to put a card

239
00:14:19.759 --> 00:14:22.879
reader in an ATM machine at the bank, but they're

240
00:14:22.919 --> 00:14:26.759
going to be on camera right now doing that. So

241
00:14:26.840 --> 00:14:30.399
I think that is a deterrent, right, but not to

242
00:14:30.399 --> 00:14:33.559
say that it's one hundred percent fool proof. So now,

243
00:14:33.600 --> 00:14:37.240
did you also mention that you had an incident with

244
00:14:37.320 --> 00:14:38.240
your credit card?

245
00:14:39.840 --> 00:14:44.919
Well, actually on a trip to Ireland. There was a

246
00:14:44.919 --> 00:14:47.679
two week trip and we were on a bus and

247
00:14:47.720 --> 00:14:49.399
we all got packed.

248
00:14:49.320 --> 00:14:51.679
And everybody arms well.

249
00:14:51.360 --> 00:14:54.759
Right, everybody, but Ireland is wide open Wi Fi free

250
00:14:54.799 --> 00:14:58.440
for everybody no matter where you are. Wow, we are

251
00:14:58.639 --> 00:15:02.480
but h to charge anything of course, and we were

252
00:15:03.039 --> 00:15:04.080
immediately hacked.

253
00:15:04.759 --> 00:15:07.600
And how how did how did you find out about that?

254
00:15:07.799 --> 00:15:10.559
Well? I learned it actually there was a church it

255
00:15:10.600 --> 00:15:12.600
was that was a year two thousand and went to

256
00:15:12.639 --> 00:15:17.399
ober Ammergall if anybody sort of that, but throughout Europe

257
00:15:17.399 --> 00:15:22.559
we went. But some of the church found out and

258
00:15:22.720 --> 00:15:25.240
informed us, watch out. We think we all got hacked.

259
00:15:25.559 --> 00:15:28.879
So I learned that from them. Then one other time,

260
00:15:29.759 --> 00:15:33.600
actually Bank America said we have to and I've seen

261
00:15:33.639 --> 00:15:36.559
banks do this, that they have to warn everybody there.

262
00:15:36.559 --> 00:15:39.720
We're going to change your credit card because we've been

263
00:15:40.639 --> 00:15:45.440
we've had a problem. Yeah, well that's happened like three times.

264
00:15:45.799 --> 00:15:50.120
Yeah, and that that happens with just about every company, right,

265
00:15:50.200 --> 00:15:51.799
no matter if you have a credit card with them

266
00:15:51.879 --> 00:15:55.879
or not. For me, right, they've been breached, your information

267
00:15:55.919 --> 00:15:59.080
has been breached, or their company's gotten hacked into.

268
00:16:00.639 --> 00:16:02.279
Just seeing it a lot.

269
00:16:02.399 --> 00:16:05.799
I mean, we just put an article out yesterday on

270
00:16:05.879 --> 00:16:11.799
social media about one hundred and twenty eight million email

271
00:16:11.840 --> 00:16:17.000
passwords have been found being sold online. And it wasn't

272
00:16:17.120 --> 00:16:19.519
just one data breach, it was a combination of a

273
00:16:19.559 --> 00:16:24.519
wide variety of data breaches, and so you know, to

274
00:16:24.600 --> 00:16:28.559
make everybody aware of it, to go. There was included

275
00:16:28.600 --> 00:16:30.879
a website I think it was called like have I

276
00:16:31.000 --> 00:16:34.639
Been pond or something like that. But the websites in

277
00:16:35.159 --> 00:16:37.840
that social media post where you can go in and

278
00:16:37.879 --> 00:16:41.399
see if your email was one of the ones that

279
00:16:41.720 --> 00:16:45.440
was breached. But it's always good, right when these breaches

280
00:16:45.440 --> 00:16:48.240
happened to go in and change the passwords and stuff.

281
00:16:49.279 --> 00:16:52.320
There were a lot of interesting questions that you were

282
00:16:52.360 --> 00:16:56.360
asked at That meeting was an excellent meeting if anybody

283
00:16:56.399 --> 00:17:00.960
else wants to go to one. And one person said, well,

284
00:17:01.000 --> 00:17:05.319
I I want to send money to my grandchildren, which

285
00:17:05.519 --> 00:17:09.200
I do, but how can I do that? Now? I

286
00:17:09.319 --> 00:17:12.720
use Zel after that, and you have to be careful

287
00:17:12.759 --> 00:17:15.599
with Zel. The first time I use it with someone,

288
00:17:15.680 --> 00:17:18.319
I send them like five dollars, just five dollars to

289
00:17:18.319 --> 00:17:22.799
make sure everything went through and it's correct. But for

290
00:17:22.920 --> 00:17:28.440
any transit, any money I send to family, I set

291
00:17:28.519 --> 00:17:32.960
it up with Zel. People have said sometimes because it's

292
00:17:33.039 --> 00:17:35.440
apparently encrypted from end to end, I don't know. I

293
00:17:35.680 --> 00:17:40.039
have no idea how it works, but I've been very

294
00:17:40.079 --> 00:17:44.119
successful with that. Another thing is I know I get now.

295
00:17:44.200 --> 00:17:47.920
I get a lot of text messages Hello, how are

296
00:17:47.960 --> 00:17:50.960
you today? And Chris immediately you have to get rid

297
00:17:51.039 --> 00:17:54.920
of those. And another thing I can add this if

298
00:17:55.480 --> 00:17:58.039
you look on your because I check my accounts every day,

299
00:17:58.079 --> 00:18:02.039
so you look on your account and somebody just charged

300
00:18:02.160 --> 00:18:06.359
a dollar and that's a screen. How does that work?

301
00:18:06.519 --> 00:18:09.079
Is they try to see if it goes through, I think,

302
00:18:09.759 --> 00:18:10.720
and that's a warning.

303
00:18:11.039 --> 00:18:13.160
Yeah, they're trying to make sure the card is active

304
00:18:13.279 --> 00:18:16.200
and it's going to go through, and then you'll start

305
00:18:16.240 --> 00:18:20.400
seeing a bunch of higher dollar limits, higher dollar amount

306
00:18:20.599 --> 00:18:21.559
charges running through.

307
00:18:22.359 --> 00:18:25.519
And another thing I learned at the meeting is that

308
00:18:25.599 --> 00:18:28.960
What's app which we use when one of us is

309
00:18:29.240 --> 00:18:32.559
traveling or overseas, and you can use it all the time.

310
00:18:32.599 --> 00:18:36.279
I don't think this is easy. Well, and maybe it is,

311
00:18:36.319 --> 00:18:40.440
but it's texting is probably easier. But What's app is

312
00:18:40.640 --> 00:18:44.359
safer if you're sending it's encrypto kind of important information.

313
00:18:44.480 --> 00:18:46.759
As I understand it encrypted from end to end.

314
00:18:47.119 --> 00:18:48.880
Yes, yes, that is true.

315
00:18:48.880 --> 00:18:53.920
And I actually just recently started using WhatsApp. I have

316
00:18:54.000 --> 00:18:56.480
some friends that are out of the country, and so

317
00:18:56.599 --> 00:19:00.960
it's a good one to use when you're corresponding with them.

318
00:19:01.279 --> 00:19:04.400
But it is encrypted, and so you just while it's

319
00:19:04.440 --> 00:19:07.400
going to be safer, for you to if you have

320
00:19:07.480 --> 00:19:11.079
to send sensitive information. It's definitely safer than using your

321
00:19:11.119 --> 00:19:14.279
regular text messaging. But you also have to remember that

322
00:19:14.720 --> 00:19:19.720
scammers like it too because it's because it's encrypted, it's

323
00:19:20.240 --> 00:19:22.880
harder for some you know, law enforcement to get in

324
00:19:22.960 --> 00:19:26.920
and and see, you know, what they're doing. So it's

325
00:19:27.359 --> 00:19:30.079
it's safer for us, but it's also safer for them.

326
00:19:30.240 --> 00:19:33.319
So normally when they get a hold of you, like

327
00:19:33.319 --> 00:19:36.119
like for instance, they might message people on social media

328
00:19:36.240 --> 00:19:39.359
like Facebook, and they'll immediately say, well, let's take this

329
00:19:39.480 --> 00:19:43.200
over to a more you know, personal way of texting,

330
00:19:43.240 --> 00:19:46.200
and they'll want to go to WhatsApp or some some

331
00:19:47.039 --> 00:19:50.319
texting app like that that's encrypted, or they'll do the

332
00:19:50.359 --> 00:19:54.359
same thing with those hello how are you right?

333
00:19:54.480 --> 00:19:55.960
Text scam scams.

334
00:19:56.000 --> 00:19:59.839
They're just they're trying to stir up a conversation because

335
00:20:00.079 --> 00:20:04.400
normally you and I would would say, well, I'm sorry,

336
00:20:04.400 --> 00:20:06.720
you have the wrong number. We'd want to be polite,

337
00:20:06.759 --> 00:20:08.240
Well I want to let the person know they have

338
00:20:08.279 --> 00:20:11.960
the wrong number. Well, yes, it's the wrong number. To them,

339
00:20:11.960 --> 00:20:14.079
it's not the wrong number because they're they're out there

340
00:20:14.119 --> 00:20:16.799
fishing and they're and then they're going to say something

341
00:20:16.880 --> 00:20:19.000
back to you, and then you're going to want to

342
00:20:19.039 --> 00:20:22.759
be nice and continue the conversation. And so another reason

343
00:20:22.759 --> 00:20:25.960
why it's best just not to engage and just delete it.

344
00:20:26.799 --> 00:20:29.799
I don't answer any phone calls that I don't know

345
00:20:30.920 --> 00:20:33.440
but uh, and then I let it go to a wastemill.

346
00:20:33.759 --> 00:20:37.960
And of course sometimes they're true, they're legit. Often not,

347
00:20:38.240 --> 00:20:42.680
I get a lot of calls and it says potential spam.

348
00:20:43.000 --> 00:20:43.519
That's nice.

349
00:20:43.599 --> 00:20:48.839
There's others too, But I did hear that if if

350
00:20:48.880 --> 00:20:51.559
you someone answers the phone and they say is this,

351
00:20:51.680 --> 00:20:53.200
surely you don't say yes?

352
00:20:54.079 --> 00:20:54.279
Yeah?

353
00:20:55.160 --> 00:20:55.359
Right?

354
00:20:55.519 --> 00:20:58.400
And I've heard that from people to the what's called

355
00:20:58.400 --> 00:21:01.759
the say yes scam, And I've talked to a bunch

356
00:21:01.759 --> 00:21:04.880
of different people in cybersecurity and some of them will

357
00:21:04.920 --> 00:21:08.799
say that's not really a scam, and others will say, well,

358
00:21:09.079 --> 00:21:14.160
yes it is. I personally have not read anything out there,

359
00:21:14.240 --> 00:21:16.480
and I'm not saying that I've read everything out there

360
00:21:16.519 --> 00:21:19.319
where someone has.

361
00:21:20.319 --> 00:21:21.680
Been scammed from that.

362
00:21:22.440 --> 00:21:25.559
But I look at it and as a way of saying,

363
00:21:26.240 --> 00:21:29.200
how easy would it be for someone.

364
00:21:28.920 --> 00:21:30.000
To do that? With AI?

365
00:21:30.160 --> 00:21:34.119
Now they can record your voice and you know say

366
00:21:34.160 --> 00:21:38.279
that that you said yes to some purchase or something

367
00:21:38.359 --> 00:21:44.079
like that. So I'm I don't know. I'm kind of

368
00:21:44.119 --> 00:21:46.720
up in the air right if it happens a lot

369
00:21:46.880 --> 00:21:49.599
or if it doesn't, I'm up in the air on it.

370
00:21:49.640 --> 00:21:53.359
But something as easy as just not saying yes, saying well,

371
00:21:53.359 --> 00:21:57.720
who's calling or this is her? Or you know something

372
00:21:58.039 --> 00:22:02.079
you know different, you know, it's just another way to

373
00:22:02.119 --> 00:22:02.640
be safe.

374
00:22:03.640 --> 00:22:09.200
Well, I found that I can. I know the banks,

375
00:22:09.319 --> 00:22:12.920
but the banks are even saying don't don't write checks,

376
00:22:13.319 --> 00:22:17.039
and some places won't take them anymore. But I have

377
00:22:17.200 --> 00:22:20.759
found that, Like I wanted to donate to a foundation

378
00:22:20.839 --> 00:22:24.359
here where I live, and I told the director I said,

379
00:22:25.359 --> 00:22:27.079
you know, I said, you can write a check, and

380
00:22:27.079 --> 00:22:29.119
I said, well, I don't. I'd rather not write a check.

381
00:22:29.200 --> 00:22:30.640
She said, oh, well, then you can go to our

382
00:22:30.720 --> 00:22:35.240
portal which I'm on anyway, and use a credit card.

383
00:22:35.599 --> 00:22:39.200
So I always use credit cards, and as I say,

384
00:22:39.400 --> 00:22:43.200
I get a lot of and if I charge something

385
00:22:43.440 --> 00:22:48.359
on the big Bread credit card, it will immediately send

386
00:22:48.359 --> 00:22:51.559
me a message you charged this amount, but you were

387
00:22:51.599 --> 00:22:56.559
not present with the card. In other words, it was online.

388
00:22:58.119 --> 00:23:01.119
I immediately get a warning. I've said, up all these warnings.

389
00:23:01.240 --> 00:23:04.519
Well, so you can actually have it say whether you

390
00:23:04.599 --> 00:23:06.599
actually presented the card or not.

391
00:23:07.279 --> 00:23:09.640
Right, Wow, Okay, that's that's.

392
00:23:09.519 --> 00:23:13.359
Not that's what bank Bank America. And I'm not promoting

393
00:23:14.039 --> 00:23:14.680
any company.

394
00:23:14.680 --> 00:23:16.480
It's just that that's just.

395
00:23:19.160 --> 00:23:22.880
They have like a backup uh credit card they use

396
00:23:23.000 --> 00:23:27.039
less just keep active as kind of a backup. Well

397
00:23:27.079 --> 00:23:30.839
that's what I did when Uh Now, I remember when

398
00:23:30.880 --> 00:23:35.440
I was when I was caught that first time, and

399
00:23:35.480 --> 00:23:40.480
they and I had to contact all the companies that

400
00:23:40.559 --> 00:23:44.000
were model I switched them over to the backup credit

401
00:23:44.039 --> 00:23:45.640
card for a while. That's what I did.

402
00:23:46.240 --> 00:23:49.319
Yes, I had I'm not sure if it's the presentation

403
00:23:49.480 --> 00:23:52.759
you were at, but I had somebody in the audience

404
00:23:52.880 --> 00:23:57.559
say that, uh, it is a pain, right when because

405
00:23:57.640 --> 00:24:00.400
credit cards get compromised all the time, and when you

406
00:24:00.440 --> 00:24:06.160
have those automatic subscription renewals whatever they are coming being

407
00:24:06.240 --> 00:24:09.559
charged you know, to your account. It's a pain. You

408
00:24:09.680 --> 00:24:12.319
have to take the time to go through and you

409
00:24:12.400 --> 00:24:15.160
have to you know, you get your new card and

410
00:24:15.160 --> 00:24:18.279
then you've got to contact all these places and give

411
00:24:18.319 --> 00:24:19.359
them your new information.

412
00:24:19.599 --> 00:24:21.440
You know, it's it takes a lot of time.

413
00:24:21.640 --> 00:24:26.839
And and someone had said that their friend told them

414
00:24:27.279 --> 00:24:30.720
they have a credit card that is only used for

415
00:24:30.839 --> 00:24:34.920
those automatic subscriptions, those automatic payments. They don't even carry

416
00:24:34.960 --> 00:24:37.160
it with them. They keep it in a locked place,

417
00:24:37.799 --> 00:24:40.640
and so it has a lot less risk of being

418
00:24:40.680 --> 00:24:43.839
compromised because it's not in their wallet. They're not using

419
00:24:43.880 --> 00:24:47.400
it all the time. And that way, if their credit

420
00:24:47.440 --> 00:24:50.440
card that they use on a regular basis gets compromised,

421
00:24:50.759 --> 00:24:55.240
they don't have to worry about changing all those automatic withdrawals,

422
00:24:55.319 --> 00:24:58.559
those automatic payments. So I thought that was that was

423
00:24:58.640 --> 00:25:01.880
really a good way way to save time.

424
00:25:04.160 --> 00:25:07.680
If I can add one thing. A friend they were

425
00:25:08.359 --> 00:25:11.440
sitting at a restaurant. You know, sometimes you sit on

426
00:25:11.519 --> 00:25:14.720
a bench in the waiting area when it's crowded, you

427
00:25:14.759 --> 00:25:17.240
wait for your table to be open. And so my

428
00:25:17.359 --> 00:25:21.400
friend and her husband sat there and a man sat

429
00:25:21.480 --> 00:25:26.000
next to my friend's husband is named Jack. And the

430
00:25:26.039 --> 00:25:28.160
man sat next to her from then got up and left,

431
00:25:28.640 --> 00:25:30.279
and then when they went to eat, and while they

432
00:25:30.319 --> 00:25:36.519
were eating, I think it was it was a store,

433
00:25:38.599 --> 00:25:40.960
so it wasn't Macy's, but say, I know it wasn't.

434
00:25:41.079 --> 00:25:43.599
That's what I'm meaning, but a regular story. They said,

435
00:25:43.640 --> 00:25:48.359
are you charging a lot for a twelve size twelve

436
00:25:48.480 --> 00:25:52.680
in the children's department right now? And so what had

437
00:25:52.720 --> 00:25:55.440
happened he didn't have one of those cards. It's protected

438
00:25:55.559 --> 00:25:59.119
against whatever I don't want, what you call him. So

439
00:25:59.759 --> 00:26:04.880
then I immediately switched all my little wallets to those

440
00:26:04.960 --> 00:26:09.960
kind of wallets that will protect you against that scam, the.

441
00:26:10.079 --> 00:26:15.119
R f I D. Right, yes, and uh they so

442
00:26:15.200 --> 00:26:17.519
they make the wallets that are r f I D.

443
00:26:18.440 --> 00:26:21.440
And they make the little sleeves that you can buy,

444
00:26:21.480 --> 00:26:24.319
and you can like buy these sleeves on Amazon. They're

445
00:26:24.359 --> 00:26:26.880
really inexpensive. I can I would imagine you can buy

446
00:26:26.920 --> 00:26:30.799
the wallets there too. But and then they also I've

447
00:26:30.880 --> 00:26:37.400
seen people carry these metal cases that are that are

448
00:26:37.559 --> 00:26:40.599
r f I D as well, and they just keep

449
00:26:40.640 --> 00:26:45.359
all their credit cards in there. That's great because you know,

450
00:26:45.440 --> 00:26:48.920
one of the things we talk about in the presentation is,

451
00:26:49.400 --> 00:26:52.839
you know, the swiping versus the inserting your chip card

452
00:26:52.960 --> 00:26:57.200
or tapping your card. And then this this time, when

453
00:26:57.240 --> 00:26:59.960
we updated a couple months ago, we added the mobile wallet,

454
00:27:00.240 --> 00:27:03.119
which would be like your Zell, your Apple pay, different

455
00:27:03.119 --> 00:27:07.000
things like that. And you know, we say swiping is

456
00:27:07.079 --> 00:27:10.640
the least secure because when you swipe, that information is

457
00:27:10.680 --> 00:27:13.839
not encrypted, and so it's so easy for someone to

458
00:27:13.880 --> 00:27:14.240
get it.

459
00:27:14.640 --> 00:27:16.119
But when they started.

460
00:27:16.160 --> 00:27:19.000
With the little chip in your card so you insert it,

461
00:27:19.200 --> 00:27:21.680
or the Wi Fi signal where you can tap it,

462
00:27:22.200 --> 00:27:25.799
that information is encrypted when it's being sent. Oh, I

463
00:27:26.839 --> 00:27:32.000
know it safer, it's safer. But what people do is

464
00:27:32.279 --> 00:27:34.880
they can have that like with the tap with the

465
00:27:34.920 --> 00:27:38.599
Wi Fi signal, they can have a card reader and

466
00:27:38.640 --> 00:27:41.160
they could be sitting, you know, standing right next to

467
00:27:41.200 --> 00:27:44.839
you and they can get into that wireless signal and

468
00:27:44.880 --> 00:27:48.880
that's how they get your card information. So it's which

469
00:27:49.119 --> 00:27:52.200
very well could have happened with the person sitting next

470
00:27:52.200 --> 00:27:55.079
to your friend, right. They could have had something in

471
00:27:55.119 --> 00:27:58.640
their pocket and they were able to they were close

472
00:27:58.759 --> 00:28:01.240
enough were they were able to get that information. But

473
00:28:01.319 --> 00:28:05.160
that r f I D that stops that that transmission.

474
00:28:06.519 --> 00:28:12.400
And so whatever's in that RFI D sleeve, the metal case,

475
00:28:12.720 --> 00:28:16.960
the RFI D wallet, you know, whatever's in there is

476
00:28:17.079 --> 00:28:19.559
protected from that happening.

477
00:28:20.240 --> 00:28:24.200
I knew the tap was safer, but until you said this, now,

478
00:28:24.240 --> 00:28:25.039
I didn't know why.

479
00:28:25.960 --> 00:28:29.000
Yes, yeah, and and the in the chip, you know

480
00:28:29.319 --> 00:28:35.319
it that happens with card readers. So it's the card

481
00:28:35.359 --> 00:28:40.000
readers have been around for years and scammers will they'll

482
00:28:40.319 --> 00:28:42.519
and we found you know when we started to hear

483
00:28:42.559 --> 00:28:44.839
about them years ago. It was like, oh, they're at

484
00:28:44.839 --> 00:28:48.519
this gas station at the pumps. Well, somebody standing with

485
00:28:48.599 --> 00:28:52.519
their back towards the front, right, they can just insert

486
00:28:52.559 --> 00:28:55.359
really quickly a card reader into your naked eye. You

487
00:28:55.400 --> 00:28:58.720
don't realize there's a card reader in there that's reading

488
00:28:58.759 --> 00:29:02.799
your card as you insert it, which is why we

489
00:29:02.880 --> 00:29:08.000
tell people. You know, just if you're using your credit

490
00:29:08.039 --> 00:29:12.519
card and you want to use the chip or the

491
00:29:12.559 --> 00:29:16.519
tap and the terminal's saying it won't, all you can

492
00:29:16.559 --> 00:29:19.640
do is swipe it. Well, go to a different terminal,

493
00:29:20.319 --> 00:29:22.920
and if all of them are like that, then make

494
00:29:22.960 --> 00:29:25.119
the decision. You know, do you really want to do

495
00:29:25.160 --> 00:29:28.759
this transaction? Do you want to take the risk or

496
00:29:28.880 --> 00:29:32.599
maybe pay cash or you know, come back at a

497
00:29:32.680 --> 00:29:34.839
later time, because it could just be there's a glitch

498
00:29:35.000 --> 00:29:38.799
in the company's system that rendered the chip and tap ineffective.

499
00:29:39.279 --> 00:29:40.880
You know, you're not able to use it. But it

500
00:29:40.920 --> 00:29:45.319
also could be there was malware installed and so where

501
00:29:45.359 --> 00:29:48.839
the scammer's forcing people to swipe their cards so they

502
00:29:48.839 --> 00:29:49.680
can get information.

503
00:29:50.519 --> 00:29:53.759
I also use a lot more cash now, like at restaurants.

504
00:29:54.680 --> 00:29:56.200
Oh okay, I like to.

505
00:29:56.279 --> 00:29:58.759
Use cash, and then I like to personally tip the

506
00:29:58.799 --> 00:30:03.279
wagers or waiter. So but I'm always learning and it

507
00:30:03.440 --> 00:30:07.200
just seems like we have to be constantly vigilant. May

508
00:30:07.240 --> 00:30:07.960
have no choice.

509
00:30:09.200 --> 00:30:17.440
So yes, So near field communications NFC is what the

510
00:30:17.519 --> 00:30:22.480
cards use. But you can boost that reading signal with

511
00:30:22.559 --> 00:30:25.960
an antenna and get a reading from everybody in the

512
00:30:26.039 --> 00:30:28.519
room at the same time. So that's what that's what

513
00:30:28.640 --> 00:30:32.799
the communication is. That's used when you have your use

514
00:30:32.880 --> 00:30:37.160
the tap, you know, But then all someone needs is

515
00:30:37.200 --> 00:30:41.319
that antenna and it's small enough it fits in their pocket,

516
00:30:42.359 --> 00:30:45.559
and then they can read people's information. So that r

517
00:30:45.759 --> 00:30:50.000
f I D is what protects and it kind of

518
00:30:50.480 --> 00:30:54.319
it interferes with that signal with that antenna. So then

519
00:30:54.440 --> 00:30:57.240
let's say there was ten of us and there's someone

520
00:30:57.319 --> 00:31:00.799
in there with that antenna in their pocket, and five

521
00:31:00.839 --> 00:31:04.039
of us had RFI D wallets. Well, that person would

522
00:31:04.079 --> 00:31:07.200
only be able to get the information from those other

523
00:31:07.319 --> 00:31:12.160
five people because the RFI D wallet is protecting protecting

524
00:31:12.200 --> 00:31:15.680
you from letting that signal in to get to your information.

525
00:31:16.359 --> 00:31:20.759
All this technology, it is so hard to keep up with.

526
00:31:21.799 --> 00:31:25.279
It is and like many people will, we depend on

527
00:31:25.319 --> 00:31:30.160
our computers and our phones, and that's what life is now.

528
00:31:30.240 --> 00:31:35.039
So yeah, there's also these things called Faradays, and I

529
00:31:35.079 --> 00:31:38.480
had forgotten about those, but you can They're called Faraday

530
00:31:38.599 --> 00:31:42.240
cases or cages, and you can get them for your

531
00:31:43.680 --> 00:31:48.440
your cards, your wallet, but you can also get them

532
00:31:48.480 --> 00:31:51.279
to put your cell phone in. You can get like

533
00:31:51.359 --> 00:31:53.920
a case, you can put your laptop in it. So

534
00:31:54.000 --> 00:31:57.920
if you're traveling, if you get one of these, and

535
00:31:58.079 --> 00:32:00.519
I've actually got one and I went to use it

536
00:32:01.599 --> 00:32:05.119
on this last trip, and I have a bigger laptop,

537
00:32:05.240 --> 00:32:09.519
so it didn't fit inside the case before I put

538
00:32:09.559 --> 00:32:12.000
it in my backpack. So what I did is I

539
00:32:12.119 --> 00:32:15.680
just I it folded right, the Faraday case fold and

540
00:32:15.720 --> 00:32:19.240
so I stuck my my laptop in between it like it,

541
00:32:19.440 --> 00:32:26.319
so it was wrapped around it, so it protected it.

542
00:32:26.440 --> 00:32:29.160
Was it as good as having it inside? Probably not,

543
00:32:29.319 --> 00:32:31.920
but it was it was still I think, really good.

544
00:32:32.759 --> 00:32:35.000
And then it that's the way it sits in my backpack.

545
00:32:35.119 --> 00:32:38.160
But yeah, if you just Faraday is fa R a

546
00:32:38.480 --> 00:32:42.640
day and you Yeah, if you just look it up,

547
00:32:43.039 --> 00:32:46.319
you can find a lot of different sizes and for

548
00:32:46.519 --> 00:32:47.960
different electronics.

549
00:32:48.599 --> 00:32:51.400
Yeah, I see that on the message or your I Yeah,

550
00:32:51.440 --> 00:32:53.400
I will look it up on Amazon for sure.

551
00:32:53.480 --> 00:32:57.119
Yeah, yeah, so it's it's another way to protect your

552
00:32:57.160 --> 00:33:01.519
if you're carrying the laptop, an iPad, your phone, right,

553
00:33:01.960 --> 00:33:05.079
especially when traveling out of the country or even traveling

554
00:33:05.160 --> 00:33:07.880
in the country, and you know, you know you're going

555
00:33:07.960 --> 00:33:10.720
to be in a lot of hotels, a lot of restaurants,

556
00:33:10.799 --> 00:33:13.519
right for travel and stuff like that, those are prime

557
00:33:13.880 --> 00:33:15.039
places where.

558
00:33:16.440 --> 00:33:19.160
You know, even though the Wi Fi is password.

559
00:33:18.680 --> 00:33:21.680
Protected, it's still not secure because you always have to

560
00:33:21.720 --> 00:33:25.079
ask yourself how many people know that password?

561
00:33:25.759 --> 00:33:27.799
It's not unique to you, right.

562
00:33:28.839 --> 00:33:32.519
I am wondering when I travel overseas next year. I

563
00:33:32.559 --> 00:33:35.720
went for a few years since my husband passed away.

564
00:33:35.720 --> 00:33:39.880
But I'm wondering if the banks will let you open

565
00:33:40.119 --> 00:33:44.519
a temporary credit card just for that trip. I want

566
00:33:44.519 --> 00:33:45.200
to find.

567
00:33:44.920 --> 00:33:49.480
Out, you know, I would imagine you could open up

568
00:33:49.559 --> 00:33:52.759
a credit card with you know, a bank, you know,

569
00:33:53.720 --> 00:33:54.960
you know whoever.

570
00:33:55.480 --> 00:33:56.640
And then you use it.

571
00:33:58.039 --> 00:34:00.200
And then close it and then close it.

572
00:34:01.480 --> 00:34:05.400
But if you travel, if you travel frequently, maybe a

573
00:34:05.440 --> 00:34:07.559
couple times a year, or you know, you travel out

574
00:34:07.559 --> 00:34:11.159
of the country every year, And I see this advertised

575
00:34:11.719 --> 00:34:15.239
a lot, and it's with Chase Bank, and I'm thinking

576
00:34:15.280 --> 00:34:17.599
that a lot of the other big banks probably do

577
00:34:17.679 --> 00:34:23.320
the same thing is that you can have the card open,

578
00:34:23.440 --> 00:34:27.920
you know, active, but then when you come back you

579
00:34:27.960 --> 00:34:30.480
can turn the card off. You can go on to

580
00:34:30.559 --> 00:34:33.000
your online app or equally to get into your online

581
00:34:33.039 --> 00:34:36.079
banking and just turn the card off. They use it

582
00:34:36.119 --> 00:34:39.079
a lot for protections where if you've lost your card,

583
00:34:39.599 --> 00:34:41.559
you can go in and say, turn this card off,

584
00:34:41.599 --> 00:34:44.360
so if someone finds it, they can't use it because

585
00:34:44.360 --> 00:34:47.280
you've turned it off. And that way you don't have

586
00:34:47.360 --> 00:34:51.000
to keep applying for a new one and then closing

587
00:34:51.039 --> 00:34:54.480
it and applying and closing because every time, unfortunately, when

588
00:34:54.519 --> 00:34:57.360
you hit you know, apply for credit, it affects your

589
00:34:57.400 --> 00:35:00.239
credit score. And if you've frozen your credit, one of

590
00:35:00.280 --> 00:35:02.639
the people that have your credit frozen, they're going to

591
00:35:02.719 --> 00:35:05.599
have to unfreeze it, I know, and then do it

592
00:35:05.840 --> 00:35:07.119
and then refreeze it again.

593
00:35:07.400 --> 00:35:10.039
So all the things you have to think about.

594
00:35:10.599 --> 00:35:14.400
I know, but I learned a lot. I'm always learning,

595
00:35:14.800 --> 00:35:17.440
and I really appreciate if anybody can go to your conference.

596
00:35:17.960 --> 00:35:20.519
It was thank you, excellent, excellent.

597
00:35:20.840 --> 00:35:23.840
Thank you well. I really appreciate that. Is there anything

598
00:35:24.360 --> 00:35:26.079
anything in closing you want to say?

599
00:35:27.199 --> 00:35:31.360
I can tell you one good story down the I

600
00:35:31.400 --> 00:35:34.679
live in the apartments, so to speak now and down

601
00:35:34.719 --> 00:35:38.719
the hall. I was coming back to my apartment and

602
00:35:38.920 --> 00:35:41.320
my friend was there with security. I live in a

603
00:35:41.320 --> 00:35:44.280
big place, and security was there. And she had gone

604
00:35:44.320 --> 00:35:49.000
to the store for groceries. And then she came back

605
00:35:49.119 --> 00:35:52.039
and she realized that she left her purse somewhere.

606
00:35:52.280 --> 00:35:52.960
Oh.

607
00:35:53.000 --> 00:35:55.360
And she realized she left it in the cart in

608
00:35:55.400 --> 00:35:58.920
the parking lot. Oh no, And so she didn't know

609
00:35:58.920 --> 00:36:01.320
what to do. And you didn't have her phone either,

610
00:36:01.559 --> 00:36:05.800
because it was in the interse So I called. I

611
00:36:05.920 --> 00:36:11.360
called the store right away and they said, well, let

612
00:36:11.360 --> 00:36:14.679
me check, and somebody had turned it and with everything

613
00:36:14.719 --> 00:36:15.159
in us.

614
00:36:15.159 --> 00:36:16.320
Oh nice.

615
00:36:16.480 --> 00:36:18.920
Well there are good people too, there are still good

616
00:36:18.960 --> 00:36:22.920
people out there. Yes, there are still good people out there.

617
00:36:23.440 --> 00:36:28.639
I love to hear that, right, because that you really

618
00:36:28.719 --> 00:36:31.400
know someone is a great person when they do that.

619
00:36:31.719 --> 00:36:31.920
Right.

620
00:36:32.039 --> 00:36:34.360
There are people that won't even think twice, this is

621
00:36:34.440 --> 00:36:36.679
not mine. Somebody left it. I'm going to take it

622
00:36:36.719 --> 00:36:39.840
to the store because they're probably going to call instead

623
00:36:39.880 --> 00:36:42.519
of going, oh, well, maybe I should go through it.

624
00:36:42.639 --> 00:36:44.199
Let me see what they have in it. You know,

625
00:36:44.280 --> 00:36:49.280
they won't miss this, and right, So yeah, so that's great.

626
00:36:49.280 --> 00:36:52.559
I'm glad you shared that, so I did want to.

627
00:36:53.880 --> 00:36:56.440
I actually got an email this morning from one of

628
00:36:56.480 --> 00:37:00.480
the places that I'm subscribed to, and I've not heard

629
00:37:00.519 --> 00:37:04.079
of this scam. It's called ghost tapping, and so I'm

630
00:37:04.119 --> 00:37:07.079
gonna read it from the article really quick, give you

631
00:37:07.159 --> 00:37:12.119
some information. But then also it's about your mobile wallets,

632
00:37:12.199 --> 00:37:15.719
so this would be Zell and Apple Pay and stuff

633
00:37:15.760 --> 00:37:18.519
like that. So let me just read it from the article.

634
00:37:19.800 --> 00:37:23.079
So there's a new scam called ghost tapping. The Better

635
00:37:23.119 --> 00:37:26.079
Business Bureau warns that scammers are using this tactic to

636
00:37:26.119 --> 00:37:29.880
steal money from people who use tap to pay credit

637
00:37:29.920 --> 00:37:33.599
cards and mobile wallets. So the mobile wallet and I

638
00:37:33.719 --> 00:37:36.880
use Apple Pay, but I only have one credit card

639
00:37:36.920 --> 00:37:38.880
on it, and so I could actually take my phone

640
00:37:38.920 --> 00:37:41.039
when I go to pay and use it like a.

641
00:37:40.920 --> 00:37:44.559
Credit card, just tap it on the terminal.

642
00:37:44.800 --> 00:37:49.159
So it's exploiting the wireless technology to withdraw money without

643
00:37:49.239 --> 00:37:49.960
you knowing it.

644
00:37:51.440 --> 00:37:52.920
Let's see it says.

645
00:37:54.760 --> 00:37:58.719
Ah, So here it is they're using this near field communication.

646
00:37:58.880 --> 00:38:01.199
Where did we hear that? But thank you one for

647
00:38:01.280 --> 00:38:07.119
that information. That mimic legitimate tap to pay systems. So

648
00:38:07.239 --> 00:38:11.119
in busy places such as festivals, markets or public transportation,

649
00:38:11.760 --> 00:38:14.719
they move close enough to your wallet or your phone

650
00:38:15.440 --> 00:38:20.719
and it triggers a transaction. So the Better Business Bureau

651
00:38:20.719 --> 00:38:24.000
has said they've seen some scammers pose as charity vendors

652
00:38:24.599 --> 00:38:28.559
or market sellers who only accept tap payments, and so

653
00:38:28.679 --> 00:38:30.800
once you tap your car or your phone, they then

654
00:38:30.920 --> 00:38:34.639
charge far more for the agreed agreed upon amount. But

655
00:38:34.880 --> 00:38:37.840
you don't actually have to tap it because as they

656
00:38:37.880 --> 00:38:42.079
said earlier, they just need to get close to you

657
00:38:42.760 --> 00:38:47.519
and it can happen. So this is a real life case.

658
00:38:47.599 --> 00:38:50.559
There was a Missouri resident who lost one hundred dollars

659
00:38:50.679 --> 00:38:55.320
after being approached by a person carrying a handheld card reader.

660
00:38:58.360 --> 00:39:02.000
There was the Better Business Bureau recorded many similar cases

661
00:39:02.039 --> 00:39:06.280
across the United States, with losses sometimes exceeding one thousand dollars.

662
00:39:07.199 --> 00:39:09.840
So they're going to want to pressure you to complete

663
00:39:09.840 --> 00:39:13.599
the payment quickly, preventing you from verifying the amount or

664
00:39:13.639 --> 00:39:16.519
the merchant's name. And that happens a lot right at

665
00:39:16.559 --> 00:39:20.559
those like public transportation, at those outdoor festivals, things that

666
00:39:20.599 --> 00:39:22.159
are in public where they might have a lot of

667
00:39:22.159 --> 00:39:24.079
customers and they're just trying to go from one to

668
00:39:24.159 --> 00:39:28.360
the next, so they can even carry the you know,

669
00:39:28.400 --> 00:39:31.400
they carry the portable readers that pick up those signals

670
00:39:31.440 --> 00:39:34.480
through your purse, through your wallet. So what's the number

671
00:39:34.519 --> 00:39:39.119
one thing to protect yourself? Invest in an RFID blocking

672
00:39:39.159 --> 00:39:43.719
wallet or card sleeve to create that physical barrier between

673
00:39:43.760 --> 00:39:47.679
your card and those scanners. You can look on Amazon

674
00:39:47.920 --> 00:39:51.320
and you can or you know, I'm sure best Buy

675
00:39:51.440 --> 00:39:54.400
all those other places probably have them as well, and

676
00:39:54.480 --> 00:39:57.639
you can get them for your phone, your laptop, your iPads,

677
00:39:57.840 --> 00:40:00.920
you know, your wallets, your credit cards, all that stuff,

678
00:40:01.320 --> 00:40:04.519
and verify before you tap, verify that the merchant name

679
00:40:04.519 --> 00:40:09.119
and the transaction amount displayed is actually correct. And like

680
00:40:10.239 --> 00:40:13.639
Shirley does, she has instant alerts, so she gets those

681
00:40:13.679 --> 00:40:16.360
alerts and she knows right away if it was her

682
00:40:16.559 --> 00:40:18.920
or if it wasn't, and she can shut she can

683
00:40:19.000 --> 00:40:21.800
shut the account down so they can't get any more money.

684
00:40:24.079 --> 00:40:28.039
You know, be cautious and crowded areas. And like Shirley does,

685
00:40:28.079 --> 00:40:30.360
she monitors her accounts every day.

686
00:40:33.840 --> 00:40:37.119
So most mobile wallet apps, and this is going.

687
00:40:37.079 --> 00:40:39.639
To be like Apple pay and Google Pay and stuff

688
00:40:39.679 --> 00:40:43.079
like that, they'll allow you to set pins facial recognition,

689
00:40:43.239 --> 00:40:48.039
fingerprint verification before you authorize the transaction. So if you

690
00:40:48.119 --> 00:40:52.239
have something like that set up, when a transaction goes

691
00:40:52.280 --> 00:40:54.960
to go through, and a scammer's trying to do it,

692
00:40:55.639 --> 00:40:59.519
they're going to need a pin, a facial recognition, a fingerprint.

693
00:41:00.519 --> 00:41:00.719
You know.

694
00:41:00.800 --> 00:41:03.079
Now, if you're standing in the public area and you've

695
00:41:03.119 --> 00:41:05.599
just paid somebody, it's easy for them to hold their

696
00:41:05.639 --> 00:41:09.239
phone up, you know, to your by your face and

697
00:41:09.280 --> 00:41:11.519
it can get it. But fingerprint's going to be a

698
00:41:11.519 --> 00:41:13.599
little harder. They're going to have to grab your finger

699
00:41:14.199 --> 00:41:17.079
and which then right, you're going to be like, don't

700
00:41:17.119 --> 00:41:21.800
touch me. But but yeah, so, uh, that is quite

701
00:41:21.800 --> 00:41:24.840
interesting that that came through on my email this morning,

702
00:41:25.000 --> 00:41:29.400
because that ghost tapping is exactly what we were talking about,

703
00:41:29.559 --> 00:41:36.119
right if Yeah, yeah, that's exactly what it is. That

704
00:41:36.320 --> 00:41:42.119
Near Field Communications is there with their antennae, with their software,

705
00:41:42.119 --> 00:41:45.079
they're able to break that and and get into your stuff,

706
00:41:45.719 --> 00:41:49.480
right yeah. So wow, this is great and I'm so

707
00:41:49.599 --> 00:41:53.519
glad that I got into that article and started reading

708
00:41:53.519 --> 00:41:59.800
it because it just fit perfectly with today. So anyways, yes,

709
00:42:00.119 --> 00:42:04.519
thank you, all right, thank you so much. Surely I

710
00:42:04.679 --> 00:42:07.800
really appreciate you taking the time and your willingness to

711
00:42:07.840 --> 00:42:10.840
share this information. I'm sure it's going to help many

712
00:42:10.880 --> 00:42:14.199
people out there. They're going to start putting alerts, you know,

713
00:42:14.280 --> 00:42:18.599
on their accounts there. You know, maybe some people stop

714
00:42:18.639 --> 00:42:21.000
writing checks, like you said, and I've heard this from

715
00:42:21.000 --> 00:42:23.679
many people. Banks are really trying to get people to

716
00:42:23.719 --> 00:42:28.519
stop writing checks. They want everybody to do online. One

717
00:42:28.559 --> 00:42:32.639
of the reasons is specifically what you went through, because

718
00:42:32.679 --> 00:42:37.440
you have to safeguard those checks even after you've deposited

719
00:42:37.480 --> 00:42:41.559
them electronically. So yes, thank you again, and I hope

720
00:42:41.559 --> 00:42:45.199
to see you at another presentation. Thank you all right,

721
00:42:45.360 --> 00:42:51.360
take care, thank you, so thank you everyone for joining today.

722
00:42:51.559 --> 00:42:55.360
And lots of great information. Surely is a wealth of information.

723
00:42:55.480 --> 00:42:59.239
She already has a lot of protections in place, and

724
00:43:00.320 --> 00:43:04.119
she put more protections in place after attending one of

725
00:43:04.159 --> 00:43:08.679
our seminars where we go through a wide variety of

726
00:43:08.760 --> 00:43:12.760
resources and different things you can do to help protect yourself.

727
00:43:12.840 --> 00:43:15.679
And you know, check out those Faraday bags for all

728
00:43:15.679 --> 00:43:21.079
of your electronics. Look at getting the RFID, whether it's

729
00:43:21.159 --> 00:43:25.239
the sleeves to put your credit cards in and your

730
00:43:25.239 --> 00:43:28.599
debit card. You know, you really should only use your

731
00:43:28.599 --> 00:43:31.280
debit card if you're going to be at the bank.

732
00:43:31.360 --> 00:43:33.199
They always want you to put it in the reader

733
00:43:33.639 --> 00:43:35.639
so they can pull your account up quicker but if

734
00:43:35.639 --> 00:43:38.239
you're going to use an ATM, use an ATM at

735
00:43:38.239 --> 00:43:41.199
the bank, or like surely does she doesn't use ATMs,

736
00:43:41.199 --> 00:43:44.079
she goes directly into the bank to take money out.

737
00:43:44.360 --> 00:43:48.719
But you want to protect your accounts and you want

738
00:43:48.760 --> 00:43:51.400
to protect your devices, and this is a great way

739
00:43:52.000 --> 00:43:55.400
to do it, and don't forget visit our website, Roseadvocacy

740
00:43:55.440 --> 00:43:58.599
dot org. Our social media links are all there, and yes,

741
00:43:58.679 --> 00:44:01.320
our Facebook account is back, so we're going to be

742
00:44:01.320 --> 00:44:05.320
posting on there just about every day with more great information.

743
00:44:05.599 --> 00:44:06.360
Scroll down to the.

744
00:44:06.360 --> 00:44:09.599
Bottom of the homepage you can see the links, not

745
00:44:09.679 --> 00:44:11.599
the links. You can just fill out some information to

746
00:44:11.760 --> 00:44:16.880
sign up for our emailed newsletter and or our mailed newsletter.

747
00:44:17.639 --> 00:44:20.519
And the emailed newsletter comes out every two well, the

748
00:44:20.679 --> 00:44:23.400
mini one with the Tuesday tip comes out every Tuesday

749
00:44:23.400 --> 00:44:26.559
morning at nine point fifteen, So that just recently came

750
00:44:26.559 --> 00:44:27.519
out for this week.

751
00:44:27.880 --> 00:44:29.800
And we have an event coming up.

752
00:44:30.199 --> 00:44:33.719
April tenth of twenty twenty six, is our fourth annual

753
00:44:33.840 --> 00:44:37.920
golf tournament here in Phoenix. If you're here in Phoenix

754
00:44:38.079 --> 00:44:41.599
or you're going to be in town that week, check

755
00:44:41.679 --> 00:44:46.599
us out. It's on the website, it's on the website,

756
00:44:46.639 --> 00:44:51.760
but it's also it has a specific website. You can

757
00:44:51.800 --> 00:44:53.400
just get in touch with us and we can send

758
00:44:53.400 --> 00:44:59.519
you all that information. We're looking for sponsors, auction items, volunteers, golfers,

759
00:44:59.559 --> 00:45:03.039
all types stuff. So more information on that to come

760
00:45:03.079 --> 00:45:06.760
in the newsletters and social media. And Brian is going

761
00:45:06.800 --> 00:45:09.440
to be with you for the next two weeks, so

762
00:45:09.599 --> 00:45:13.559
look forward to chatting with Brian over the next couple weeks. Thanks,

763
00:45:13.599 --> 00:45:15.360
and I'll see you back later this month.

764
00:45:16.960 --> 00:45:20.000
Well that's all the knowledge for this episode. Tune in

765
00:45:20.159 --> 00:45:24.239
every Tuesday at eight am Pacific time on KFOURHD Radio

766
00:45:24.400 --> 00:45:29.119
at KFOURHD dot com as Joyce explores a variety of knowledge.

767
00:45:29.159 --> 00:45:32.760
So you have the power to make scam protection your

768
00:45:32.880 --> 00:45:36.519
healthy habit and until then, feel free to reach out

769
00:45:36.559 --> 00:45:39.119
to Joyce and let's talk about scams.