Jan. 6, 2026

New Year - Let's Get Down to Scam Basics

New Year - Let's Get Down to Scam Basics

Happy New Year! We are going back to the basics of a scam - reviewing our Anatomy of a Scam. Tune in to learn how to recognize a scam. Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio...

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Season 1

Happy New Year! We are going back to the basics of a scam - reviewing our Anatomy of a Scam.

Tune in to learn how to recognize a scam.

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

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

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

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

WEBVTT

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This program is designed to provide general information with regards

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to the subject matters covered. This information is given with

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the understanding that neither the hosts, guests, sponsors, or station

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are engaged in rendering any specific and personal medical, financial,

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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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Welcome back, Everybody Happy, new year.

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Hard to believe it's two and twenty six. I was

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just thinking back earlier when I remember twenty six years

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ago when it flipped over to from nineteen ninety nine

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to the year two thousand and everybody was worried that,

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like the ATMs weren't going to work, and you know

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that the dates wouldn't transfer over and all of that stuff.

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So it's hard to believe now it's twenty twenty six.

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So you can find more information about what we do

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on our website at Roseadvocacy dot org. You can find

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more resources. You'll find all the links to our social

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media channels are on Facebook, Instagram, LinkedIn, and YouTube, and

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you can find all of our past episodes on YouTube

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under the live section.

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And scroll down to the bottom.

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Of the homepage and you'll find where you can sign

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up for our newsletters. We do an emailed newsletter and

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we do a mailed newsletter. The mail newsletter comes out

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once a month at the beginning of the month. You

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guys should have probably already received yours for January. Our

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emailed newsletter, we do a bigger one at the beginning

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of the month. This month is going to be delayed

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a little bit because I'm changing the design on it,

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so it took a little bit longer to do that.

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But then every Tuesday morning we do a Tuesday Tip

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nine to fifteen Arizona time in the morning, you're going

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to get a Tuesday Tip to your inbox. Might be

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a tip you're not aware of, might be a tip

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you already know about, but that's fine because what it

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does is it helps reinforce your healthy skepticism to always

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do your research in question before just accepting that a

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contact is legitimate, and it helps build your scam awareness

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in your prevention habits.

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It just reinforces it.

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So anyways, today, with being the new year, we're going

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to go back to the basics and we're going to

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talk about the anatomy of a scam. We're going to

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go through the different components, and then we're going to

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go through some general tips that you could use with

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any scam. So I'm going to share my screen and

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pull up our Anatomy of a scam infographic.

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We created this gosh I keep saying a few.

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Years ago, two years ago, but now it's probably three

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years ago that we have created that, and we broke

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down scams into three different parts, and.

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Let me blow this up a little bit to give

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you an idea of what scams are in general.

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We found doing our presentations we would talk about maybe

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five scams that have a tendency.

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To target the older adults. But we were always.

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Behind the eight ball because new scams come up all

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the time. So we created this anatomy of a scam.

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And if you look in the blue here, this first

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part is initiating contact and you can see the different ways.

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You know, they can call you on the phone, send

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you an email, send.

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You a text.

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Yes, they do still send things in the mail, although

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not as much as you know they used to when

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they first started the scams.

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But then online and online is.

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A big way, and your cell phone, your mobile phone

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is a big way. If it's connected to the internet,

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you know you're going to get a lot of online stuff.

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You could be on social media and they could be

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message you, messaging you through social media. You could have

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a there's a lot of different texting apps that are encrypted,

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like WhatsApp is a big one, and scammers like that.

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You know, let's say they message you on social media, well,

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they very quickly want to take it off social media

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and take it over to an encrypted app like WhatsApp,

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and they're going to want to communicate with you there.

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You know, they can you get your emails on your

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mobile phone. Chances are that's where you're going to be

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looking at them, your text messages, the phone calls. Not

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a lot of people have landlines anymore. Some people still do,

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and they could get scam calls on their landlines as well.

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But your mobile phone is a big way because we

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do a lot of our day to day task and

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we're on our phones a lot. But now that's not

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to say that you're not going to get contacted through

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an iPad or a Android you know, laptop or.

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An Android phone.

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But maybe an iPad or a laptop or a desktop,

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anything that is you know, connected to the internet. They

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can find a way to contact you. And as I said,

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your mobile phone is going to be a big way.

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And once you engage with them, when they contact you,

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they very very quickly go over into this second part

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in the purple, which is called creating a compelling reason

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to act. This is where your emotions come into play,

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and they run the gamut on emotions. They know that

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the longer they can keep you in your emotional state.

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The better chance the better, the better they are able

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to get you to send them money.

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That's what they want.

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Yes, they might be asking for personal information, but if

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they want to steal your identity, it's all to be

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able to take credit out in your name and do

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things like that in order to get money. So money's

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their endgame. And you know, I hear a lot of people,

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doesn't matter what their age is, they fallen victim to

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a scam. They say, you know, I feel so stupid

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that I fell for that. I didn't see the red

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sign or the red flags. But you have to understand

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if you are making decisions out of an emotional state,

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there is a very good chance that you are not.

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That's not the decision you would normally have made had.

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You been in a rational state of mind.

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It's only after the scam that you have time to

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think about it, and then you start noticing the red

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flags and realizing, oh, I've been I've fallen victim to this.

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So your emotions are a very powerful motivator in order

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to do what the scammer wants. And you know, there's

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a ton of different emotions and depending on the scam,

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they might have you scared. They might have you angry, upset,

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feeling like you're you know, in love, you're grieving the

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loss of your partner and now you have a love

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interest again. We're just not thinking rationally when we're an

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emotional state, and they very quickly then will come down

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to and this says requesting payment. It's requesting money. I

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had somebody tell me once you know, I wasn't paid.

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They didn't request payment for like a bill. They requested

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money for a variety of different reasons. They like wire transfers.

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If you've ever done a wire transfer through your bank,

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you will get notified before it goes through. As you're

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going through and setting it up, are you sure you

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want to do this? Once you send this money, it's gone.

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Is anybody forcing you to do this? So there's prompts

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there that you have to go in and if you

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have multi factor authentications set up, which you should on

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all of your financial accounts, it's going to come in

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and you're probably going to have to get a different

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code as you're going through that transfer process.

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Depends on the bank.

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I know, depending on the dollar amount, I've had to

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put a code in part of the way through the process.

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Of transferring money. They also like the Venmol, the Zell's,

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the PayPal, those peer to peer payment apps. Zell's are

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connected to your bank account. They are run right through

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your bank, and you want to make sure you have

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all the security measures enabled if you're using Zel, because

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it is attached to a bank account, We're not saying

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don't ever use it. You have to make the decision.

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It's convenient, it's a convenient way to send money, and

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you have to make the decision. Okay, I'm going to

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use Zel, Well, I'm going to then I'm going to

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lock it down.

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I'm going to put all.

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The security measures in place with Zel and with my bank,

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because if somebody were to be able to get in

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to my Zell, they're going to have access to that

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bank account that it's attached to. And if you've got

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multiple bank accounts all under the same profile, now they

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can go in and they can access those other bank accounts.

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So I've had I've had people tell me that yes,

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they're going to continue to use Zell, which is fine.

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They've got it locked down, they've got it secure. But

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what they've done is they have set up a totally

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separate bank account and that is the only account that

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is attached to their zel so if and they only

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keep a small amount of money in it. So if

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a scammer was able to get into their bank account

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through zell, they only have access to a very small

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amount of money in that one account. That want acount

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is not tied to any of their other accounts. It's

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not on the same profile, so the scammer wouldn't be

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able to see or access any of those other accounts. Venmo,

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my understanding, is a product of PayPal and you know

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those If you're familiar with PayPal that you can have

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your credit cards on there, you can have your bank

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accounts on there. I would highly suggest on PayPal, and

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I don't remember off the top of my head, if

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you can have just a credit card listed in PayPal,

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you might want to check into that and see about

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doing it. And if you can not attach your bank

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account to PayPal and just have a credit card, you

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have so much more recourse with fraudulent charges on a

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credit card than you do your debit card or your

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bank account, So just be careful with those and have

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all the security measures put in place with Venmo and

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and PayPal. Scammers also like gift cards. They don't need

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you to actually send them the gift card. They're going

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to want you to take a picture of the back

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of it after you've scratched off the or you've exposed

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the codes, or they're going to just ask you to

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give them the codes. That's all they need and then

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they have access to the amount of money that's on

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that gift card. Now, something interesting about gift cards, and

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I talked about this in a previous radio show recently

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over the holidays.

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I was at a grocery store.

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It was it fries, and I noticed I was looking

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specifically for an Amazon gift card and they had a

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different way, a different holder for the Visa Master cards.

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The Amazon gift cards wasn't all of the gift cards.

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A lot of the restaurant ones, those still had the

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regular you just pull them off, But this one for

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Amazon and for the Visa Master cards, you actually had

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to pulled down. And it actually the little cardboard covering

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that is around the hook where the gift card goes in,

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you have to pull it down and it breaks that

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that cardboard.

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At the top there.

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So if you're going in and you're buying gift cards

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and you happen to you want to you want to

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buy one, and you happen to see one just laying there.

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If it's that cardboard is ripped at the top, don't

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because that means somebody has pulled it off and you

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don't know what they've done. You don't know if they've

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scanned it and they're just waiting for someone to activate it.

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Go in and pull one off yourself so you know

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that no one has taken that off and done anything

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with it. Hopefully we're going to see that on all

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of the gift cards that they're going to have those

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types of holders, you know, over the coming months. That

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would be fantastic. It also be fantastic if these stores

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that sell gift cards would have them back behind customer service.

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They keep all the cigarettes back there and all that,

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so have the gift cards back there. And yes, it's

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going to take a little bit more time because you've

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got to go to customer service and ask them for

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the gift card and then activate it. But it's going

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to be more of a deterrent for somebody to come

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in and try and scan information off those gift cards. Cryptocurrency,

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that's a big one. Scammers love cryptocurrency. I don't know

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if you guys have seen the cryptocurrency ATM machines that

246
00:14:31.799 --> 00:14:34.480
are out there there. You know, I looked it up

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00:14:34.559 --> 00:14:37.720
recently and I want to say it said there was

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like just over maybe seven hundred of them in the

249
00:14:42.039 --> 00:14:46.360
state of Arizona. There was over there were thousands of

250
00:14:46.399 --> 00:14:49.320
them throughout the United States. There's a few states that

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didn't have any, but the majority of the states had

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00:14:53.320 --> 00:14:57.320
at least one cryptocurrency ATM machine. But Arizona has a

253
00:14:57.320 --> 00:15:00.399
lot of them, and scammers know exactly where they're You

254
00:15:00.440 --> 00:15:03.360
can just look it up online and it'll, you know,

255
00:15:03.519 --> 00:15:07.399
tell you where these cryptocurrency ATM machines are at. And

256
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once the you know, the scammer might have you go

257
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to your bank and they have they're anticipating the questions

258
00:15:16.799 --> 00:15:19.600
the bank teller is going to ask, and so they

259
00:15:20.000 --> 00:15:21.879
have all the answers. They're on the phone with you,

260
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and you know they're gonna they're gonna prompt you before

261
00:15:25.120 --> 00:15:26.960
you go in, but they're going to listen for those

262
00:15:27.039 --> 00:15:28.840
questions and they're going to tell you what to say.

263
00:15:29.759 --> 00:15:32.279
They have the answers to those questions, and they've thought

264
00:15:32.320 --> 00:15:34.720
about them, and you get the money and they're going

265
00:15:34.799 --> 00:15:38.679
to direct you to a cryptocurrency ATM and you put

266
00:15:38.720 --> 00:15:41.320
their account number in that they give you and feed

267
00:15:41.360 --> 00:15:46.720
the machine with the cash and it's gone. It's in

268
00:15:46.799 --> 00:15:49.200
their crypto wallet and they're going to convert it to

269
00:15:49.519 --> 00:15:53.480
cash and they're going to take it. So there was

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00:15:53.600 --> 00:15:56.159
not sure if you realized there was a new law

271
00:15:56.200 --> 00:16:01.559
put into effect in Arizona regarding the cryptocurrency Kiosk machines.

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00:16:03.440 --> 00:16:07.440
It went into effect at the end of September. You

273
00:16:07.440 --> 00:16:11.320
can look it up just you know, search crypto new

274
00:16:11.360 --> 00:16:16.279
Cryptocurrency Kiosk law in Arizona and you'll find information on it.

275
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There are specific things that need to have been done,

276
00:16:20.480 --> 00:16:24.000
and if you meet those requirements, there is a possibility

277
00:16:24.000 --> 00:16:27.120
that you could get a refund of the money that

278
00:16:27.159 --> 00:16:31.440
you lost in the scam. There's also daily limits that

279
00:16:32.440 --> 00:16:37.720
new users of these machines can maxi amount they can

280
00:16:37.759 --> 00:16:41.320
put in and I believe it's after ten days from

281
00:16:41.399 --> 00:16:45.000
your first use of the machine. You then become a

282
00:16:45.080 --> 00:16:49.600
reoccurring customer and those daily limits go up. But the

283
00:16:49.639 --> 00:16:51.840
machine is going to you know, when you're done, it

284
00:16:51.879 --> 00:16:55.960
spits out a receipt. Keep that receipt because if in

285
00:16:56.080 --> 00:16:58.799
thirty days that you've found that that was a scam,

286
00:16:59.240 --> 00:17:02.240
and you follow and you meet all of the requirements,

287
00:17:02.279 --> 00:17:04.960
one of which is you need to report it to

288
00:17:05.279 --> 00:17:08.440
law enforcement and or the attorney general. And I believe

289
00:17:08.480 --> 00:17:10.480
you also need to report it to the owner of

290
00:17:10.519 --> 00:17:13.640
the machine, the owner operator of the machine, but you're

291
00:17:13.640 --> 00:17:15.960
going to get a report from law enforcement or the

292
00:17:16.000 --> 00:17:20.680
attorney general wherever you report it. Your receipt is your

293
00:17:20.759 --> 00:17:23.119
proof that you put a certain amount of money into

294
00:17:23.200 --> 00:17:26.119
that machine, and the receipt is supposed to have the

295
00:17:27.000 --> 00:17:30.039
account number of where you're sending the money. And so

296
00:17:30.160 --> 00:17:36.519
then your report that you get from the attorney general

297
00:17:36.599 --> 00:17:38.960
or law enforcement is your proof that you were scammed.

298
00:17:38.960 --> 00:17:41.440
But you have to meet all the requirements it's within

299
00:17:41.519 --> 00:17:46.200
thirty days, and then you could get a refund. I'm

300
00:17:46.240 --> 00:17:48.000
hoping in the next couple months we're going to be

301
00:17:48.039 --> 00:17:50.160
able to have a guest on the show that actually

302
00:17:50.640 --> 00:17:55.599
has successfully gotten a refund from being a victim of

303
00:17:55.640 --> 00:17:59.799
a scam using these cryptocurrency ATM machines. So we can

304
00:17:59.799 --> 00:18:03.680
go into more detail on that urgency here is in

305
00:18:03.720 --> 00:18:07.480
the middle the majority of the scams. It's urgent from

306
00:18:07.519 --> 00:18:11.119
the contact down to getting the money. Now, there are

307
00:18:11.160 --> 00:18:13.440
a few scams and there could be different ones in

308
00:18:13.480 --> 00:18:17.799
the future as well, that they don't request money from

309
00:18:17.799 --> 00:18:20.759
the get go, like the romance scam or a pig

310
00:18:20.799 --> 00:18:24.799
butchering scam. They're trying to establish a relationship, especially with

311
00:18:24.839 --> 00:18:26.839
the romance scam. They want to get you into that

312
00:18:26.960 --> 00:18:30.960
absolute trust. Once they feel they have you there, then

313
00:18:31.119 --> 00:18:33.880
the requests start coming for money and it's urgent that

314
00:18:33.920 --> 00:18:36.640
they need the money and they get the money. The

315
00:18:36.680 --> 00:18:39.200
time it takes for you to be in that absolute

316
00:18:39.279 --> 00:18:41.640
trust with them varies. It could take a day, it

317
00:18:41.640 --> 00:18:45.279
could take a week, a month, and they're invested because

318
00:18:45.319 --> 00:18:47.920
they know once they get you there and you only

319
00:18:47.960 --> 00:18:50.640
believe what they say and you're not believing your family

320
00:18:50.680 --> 00:18:53.599
and your friends and you're not talking to them about

321
00:18:53.680 --> 00:18:57.680
all of this, that they have a better chance of

322
00:18:58.119 --> 00:19:02.759
draining your money. So that's the anatomy of a scam.

323
00:19:02.880 --> 00:19:09.200
We go over this in our presentations, and then another

324
00:19:09.359 --> 00:19:14.680
page from our uh our Identity, Theft and Cyber Safety

325
00:19:14.680 --> 00:19:17.160
resource packet that we give out to everybody. It's a

326
00:19:17.200 --> 00:19:19.920
thirty page resource packet we give out to everybody at

327
00:19:19.920 --> 00:19:24.400
our presentations, and we go through it with them and

328
00:19:24.519 --> 00:19:28.880
answer questions. This is one of the pages and it

329
00:19:28.920 --> 00:19:33.119
has some tips. So pause and assess your emotions is

330
00:19:33.160 --> 00:19:37.440
the first one. Pausing is the most important thing there.

331
00:19:38.039 --> 00:19:43.240
Slow down, pause and think about the situation. Now, the scammers,

332
00:19:43.240 --> 00:19:45.400
if you engage with them, they're going to get you.

333
00:19:45.559 --> 00:19:48.240
Try to get you into that emotional state really quickly

334
00:19:48.319 --> 00:19:51.000
so you don't have time to stop and pause and

335
00:19:51.079 --> 00:19:57.920
think about the situation. The second one, have somebody that

336
00:19:58.000 --> 00:20:01.079
you trust that you can talk to, because if you

337
00:20:01.160 --> 00:20:04.759
stop and pause and think about the situation and you're

338
00:20:04.920 --> 00:20:09.519
just not sure, you talk to somebody you're trusted person.

339
00:20:10.319 --> 00:20:13.920
A lot of times by you saying the situation out loud,

340
00:20:14.400 --> 00:20:19.440
your brain then flips over into its rational state hearing

341
00:20:19.559 --> 00:20:23.440
you explain this, and then all of a sudden you go, Okay, yep,

342
00:20:23.519 --> 00:20:25.759
I get it. It's a scam. I figured it out.

343
00:20:25.839 --> 00:20:28.640
Other times you're still in that emotional state. You need

344
00:20:28.680 --> 00:20:31.960
your trusted person to be asking you questions, getting you

345
00:20:32.039 --> 00:20:34.759
into your rational state so you can understand that this

346
00:20:34.920 --> 00:20:40.240
is a scam, and then always verify before you trust.

347
00:20:41.200 --> 00:20:44.079
Back in the eighties, Ronald Reagan coined that phrase trust

348
00:20:44.119 --> 00:20:47.759
but verify. We could do that back then. We can't

349
00:20:47.799 --> 00:20:50.640
do that in today's world. We have to flip it around.

350
00:20:50.759 --> 00:20:54.240
We have to verify before we trust. And I'm going

351
00:20:54.319 --> 00:20:55.640
to go through and I'm going to show you a

352
00:20:55.640 --> 00:20:59.880
few examples of verifying. But you know, one of them

353
00:21:00.160 --> 00:21:03.400
in particular is like the grandparents scam. You get to

354
00:21:03.480 --> 00:21:07.200
call your grandchild's in trouble or some family members in trouble.

355
00:21:07.799 --> 00:21:10.440
You have their phone number. You call them.

356
00:21:10.680 --> 00:21:14.119
Don't let them on the phone say I changed my number.

357
00:21:14.200 --> 00:21:17.480
Call me at this number. You have their number, call

358
00:21:17.680 --> 00:21:22.000
them on that number and verify what's going on with them.

359
00:21:22.400 --> 00:21:25.480
The next one that old adage, if it sounds too

360
00:21:25.519 --> 00:21:29.759
good to be true, it probably is. If something in

361
00:21:29.799 --> 00:21:32.960
your gut is telling you that this doesn't make sense,

362
00:21:33.319 --> 00:21:35.480
the hair on the back of your neck is cowing up,

363
00:21:35.839 --> 00:21:41.039
anything like that, listen to it. That old adage still works.

364
00:21:42.400 --> 00:21:46.279
Protect your personal information. This is big. You know when

365
00:21:46.279 --> 00:21:49.240
we talk in our presentations about how your information gets

366
00:21:49.279 --> 00:21:52.720
out there, and we talk about the hacks and the breaches,

367
00:21:53.359 --> 00:21:56.400
and you can't control those hacks in the breaches, but

368
00:21:56.519 --> 00:22:00.279
what you can control is the information you give to

369
00:22:00.359 --> 00:22:04.119
these companies and make sure you understand why the company

370
00:22:04.240 --> 00:22:08.319
needs certain information. If you don't think they need it,

371
00:22:08.480 --> 00:22:13.440
ask the question, okay, and make sure you understand why

372
00:22:13.480 --> 00:22:17.240
they need it, because it's your personal information and you

373
00:22:17.319 --> 00:22:20.680
want to protect it. Be cautious with payments. We talked

374
00:22:20.680 --> 00:22:24.319
about that just a little bit ago. You know, legitimate

375
00:22:24.359 --> 00:22:27.519
companies aren't going to ask you to pay with credit

376
00:22:27.559 --> 00:22:33.319
cards with cryptocurrency. Some of them, you know a lot

377
00:22:33.359 --> 00:22:36.440
of them, I should say now today takes payment apps

378
00:22:36.640 --> 00:22:41.400
because it's convenient. And some companies you know, will accept

379
00:22:41.440 --> 00:22:45.119
wire transfers because if you're an example of that would

380
00:22:45.160 --> 00:22:47.680
be if you're buying or selling property, right you work

381
00:22:47.720 --> 00:22:50.680
through a title company and they want you to wire

382
00:22:50.720 --> 00:22:53.880
the money. But again you need to verify because at

383
00:22:53.920 --> 00:22:56.359
some point the title company would have given you the

384
00:22:56.400 --> 00:22:59.839
information as to where you need to wire the money.

385
00:23:00.079 --> 00:23:02.720
But right before you wire it, you're going to get

386
00:23:02.720 --> 00:23:06.079
a hold of that title company using their verified phone numbers,

387
00:23:07.000 --> 00:23:09.680
and you're going to verify that that still is the

388
00:23:09.839 --> 00:23:18.799
accurate wiring information. The last one, this is really really important.

389
00:23:19.359 --> 00:23:22.559
All of these are important, but this is just as important.

390
00:23:23.000 --> 00:23:28.240
Having a trusted tech support person. Now you're probably familiar

391
00:23:28.240 --> 00:23:30.559
with the geek squads that are in Best Buy. Those

392
00:23:30.599 --> 00:23:34.559
geek squad people are tech support people. It's basically somebody

393
00:23:34.559 --> 00:23:38.079
that if you have an issue with your device, you're

394
00:23:38.160 --> 00:23:41.799
going to talk to and they can fix it. They

395
00:23:41.839 --> 00:23:43.920
can get viruses off your device.

396
00:23:45.079 --> 00:23:45.640
Malware.

397
00:23:45.960 --> 00:23:50.640
They can help you find good, strong antivirus software that

398
00:23:50.759 --> 00:23:54.599
works really well with whatever device you have. They can

399
00:23:54.720 --> 00:23:58.000
help you with other types of software as well. They

400
00:23:58.000 --> 00:24:02.279
can show you how to do different things. But a

401
00:24:02.279 --> 00:24:05.839
lot of times they can they navigate these problems by

402
00:24:06.640 --> 00:24:09.920
remoting into your device. Now you have to give them.

403
00:24:10.960 --> 00:24:12.039
You have to approve that.

404
00:24:12.400 --> 00:24:14.880
There you'll get a little notice in it. You have

405
00:24:14.960 --> 00:24:17.920
to approve them to get into your device. But that's

406
00:24:17.960 --> 00:24:20.920
why you need to trust them. It's because when they

407
00:24:20.960 --> 00:24:22.680
go in and do what they say they're going to do,

408
00:24:22.759 --> 00:24:25.119
and they say, okay, everything's fixed. I'm going to end

409
00:24:25.119 --> 00:24:28.240
this session and get out of your computer. You want

410
00:24:28.240 --> 00:24:30.240
to make sure you trust that person that they are

411
00:24:30.359 --> 00:24:32.599
ending the session and they are out of your computer,

412
00:24:33.039 --> 00:24:36.200
that they are not sitting around in the background watching

413
00:24:36.200 --> 00:24:39.000
what you're doing, which is what happens a lot when

414
00:24:39.039 --> 00:24:42.039
you have a virus malware or you get those pop

415
00:24:42.119 --> 00:24:46.480
ups saying there's a virus and you need to call

416
00:24:46.559 --> 00:24:49.799
us right away. Your computer's been locked. You know, they're

417
00:24:49.799 --> 00:24:52.119
going to go through and act like a trusted tech

418
00:24:52.160 --> 00:24:55.680
support person, but they're really hanging out in the background,

419
00:24:56.079 --> 00:24:59.200
you know, or they're able to you know, they get

420
00:24:59.240 --> 00:25:03.559
you to open up your bank account, and they've I've

421
00:25:03.799 --> 00:25:06.480
talked to people that have said I was putting five

422
00:25:06.559 --> 00:25:09.839
hundred dollars in there, and all of a sudden, these

423
00:25:09.880 --> 00:25:13.599
extra zeros showed up and I wasn't pressing the zero.

424
00:25:13.640 --> 00:25:17.519
So somehow the scammer had control of their computer and

425
00:25:18.119 --> 00:25:21.920
before they did the payment, they added some extra zeros

426
00:25:21.960 --> 00:25:24.279
on it, and you know, then of course it was like,

427
00:25:24.359 --> 00:25:26.559
oh my gosh, you put too many zeros in there.

428
00:25:26.599 --> 00:25:29.000
I'm going to get in trouble. You know, all of

429
00:25:29.039 --> 00:25:33.160
this stuff that's on the refund one. You know right

430
00:25:33.200 --> 00:25:35.079
that they're going to refund you five hundred dollars, but

431
00:25:35.119 --> 00:25:36.960
oh my god, it end up being five thousand, and

432
00:25:36.960 --> 00:25:38.680
I'm going to get in trouble. I'm going to get fired,

433
00:25:38.720 --> 00:25:40.480
and you need to send the money back, blah blah

434
00:25:40.480 --> 00:25:45.400
blah all of that. So have a trusted tech support person.

435
00:25:45.720 --> 00:25:49.960
If you don't know one, talk to your family and friends,

436
00:25:50.680 --> 00:25:53.599
and find out who they use and that they trust

437
00:25:53.640 --> 00:25:57.000
them and that they're a good referral, because you don't

438
00:25:57.039 --> 00:26:00.559
want to wait until the time that you need this person,

439
00:26:00.640 --> 00:26:03.799
because you might be then panicking and you might just

440
00:26:03.920 --> 00:26:06.240
google and take the first person and you haven't really

441
00:26:06.319 --> 00:26:10.640
vetted that person or that company to know that they

442
00:26:10.759 --> 00:26:14.960
are legitimate and not a scammer impersonating a tech support

443
00:26:15.000 --> 00:26:18.079
company or a tech support person. So have them have

444
00:26:18.160 --> 00:26:20.480
them in your back pocket so when that time comes,

445
00:26:20.519 --> 00:26:22.440
you not going to panic. You're going to know exactly

446
00:26:22.480 --> 00:26:26.000
who you're going to call to get everything fixed on it.

447
00:26:27.440 --> 00:26:28.480
So I'm going to go in and.

448
00:26:28.440 --> 00:26:31.680
Just show you I talked about that verifying before you trust.

449
00:26:33.680 --> 00:26:37.359
So we're going to go in here to I talked

450
00:26:37.359 --> 00:26:41.160
about the grandparents scam and calling your grandkids you have

451
00:26:41.279 --> 00:26:45.000
their verified phone number. But remember in the last probably

452
00:26:45.079 --> 00:26:47.039
year year and a half, we were getting all of

453
00:26:47.079 --> 00:26:52.599
those texts saying that you owe toll fees, and a

454
00:26:52.640 --> 00:26:54.880
lot of time, you know, not a lot of times,

455
00:26:54.880 --> 00:27:01.359
but sometimes it would say something about it might have

456
00:27:01.440 --> 00:27:05.079
said Arizona right, and you're like, oh my gosh, maybe

457
00:27:05.079 --> 00:27:07.480
I went through a toll road and I just don't

458
00:27:07.519 --> 00:27:09.960
remember so I'm going to pay the bill, right but

459
00:27:10.119 --> 00:27:12.799
if you want to verify, and I should have done

460
00:27:12.799 --> 00:27:15.599
this before, so hopefully this is going to come up correctly.

461
00:27:15.680 --> 00:27:24.160
But you know, type in toll roads in Arizona, it's

462
00:27:24.160 --> 00:27:27.039
going to come up right there. Arizona has no toll roads, bridges,

463
00:27:27.680 --> 00:27:32.759
or tunnels. All highways and state routes are completely free

464
00:27:32.799 --> 00:27:36.720
to use. That's your verification right there. But let's say

465
00:27:36.839 --> 00:27:40.799
they have a different state. Let's say they use Pennsylvania.

466
00:27:41.599 --> 00:27:48.279
So you type in you could type in how to

467
00:27:48.440 --> 00:27:56.440
pay my toll in Pennsylvania, So it's going to come

468
00:27:56.519 --> 00:28:00.119
up here. To pay tolls, you have several options. You

469
00:28:00.119 --> 00:28:02.720
could have an easy pass already. You know a lot

470
00:28:02.759 --> 00:28:06.279
of these toll booths aren't manned anymore, so you have

471
00:28:06.440 --> 00:28:11.359
easy pass that automatically it scans your easy pass each

472
00:28:11.440 --> 00:28:14.039
time you go through. You don't have the easy Pass,

473
00:28:14.119 --> 00:28:16.599
you can go toll by plate. You'll receive a bill

474
00:28:16.880 --> 00:28:20.799
in the mail for the tolls you incur. And I've

475
00:28:20.799 --> 00:28:23.680
had this happen before. If you are renting a vehicle

476
00:28:24.240 --> 00:28:26.359
and let's say you happen to be in Pennsylvania and

477
00:28:26.400 --> 00:28:29.119
you're going through the toll the toll roads.

478
00:28:30.079 --> 00:28:30.920
This has happened to me.

479
00:28:32.160 --> 00:28:35.759
The plate on the vehicle is through the rental car company,

480
00:28:35.920 --> 00:28:38.359
so the toll's gonna then be sent to the rental

481
00:28:38.400 --> 00:28:41.960
car company, but then they will put it on your

482
00:28:42.000 --> 00:28:47.319
account and send you a bill for the toll to

483
00:28:47.359 --> 00:28:52.240
pay the toll, and it says you could have a

484
00:28:52.279 --> 00:28:56.160
mobile app. You can download the Toll by Plate app

485
00:28:56.240 --> 00:28:59.680
to manage your payments, view transactions, check your balance, all

486
00:28:59.720 --> 00:29:02.079
of that stuff. But here, if you want to make

487
00:29:02.119 --> 00:29:05.799
an online payment, it says visit the Pennsylvania Turnpike website

488
00:29:05.839 --> 00:29:11.119
to make payments directly for toll invoices. You go to

489
00:29:11.119 --> 00:29:13.599
put the invoice number in there. If it's a scam,

490
00:29:13.640 --> 00:29:15.720
it's going to come up and say there's no such invoice.

491
00:29:16.200 --> 00:29:20.240
But instead of clicking on those links. You know, we've

492
00:29:20.279 --> 00:29:24.680
talked about Amazon, and I'm going to stop sharing my

493
00:29:24.799 --> 00:29:30.599
screen here now, but you know we've we get scammers

494
00:29:30.599 --> 00:29:31.920
love to impersonate Amazon.

495
00:29:32.319 --> 00:29:33.359
It's a big company.

496
00:29:34.000 --> 00:29:36.880
A lot of people have Amazon accounts, whether they use

497
00:29:36.960 --> 00:29:40.319
them or not. So maybe you know you have an

498
00:29:40.319 --> 00:29:42.799
Amazon account but you don't ever use it, so you

499
00:29:42.920 --> 00:29:45.720
get this email saying something's wrong with your account. You

500
00:29:45.799 --> 00:29:47.480
need to go or you need to go in and

501
00:29:47.480 --> 00:29:50.920
pay for this order that's in there so it can

502
00:29:50.960 --> 00:29:53.920
be processed. But you're like, I don't use my Amazon accounts,

503
00:29:54.000 --> 00:29:57.480
so this has to be a scam. But if you

504
00:29:57.480 --> 00:29:59.880
want to log into it, thinking maybe someone else got

505
00:29:59.880 --> 00:30:02.400
in to your Amazon account, you could log in the

506
00:30:02.400 --> 00:30:05.559
way you normally would and check things out. And that's

507
00:30:05.599 --> 00:30:08.279
the same if you do use your Amazon account, log

508
00:30:08.319 --> 00:30:11.400
into your Amazon account the way you normally would check

509
00:30:11.480 --> 00:30:14.559
things out. You can do that with any company that

510
00:30:14.599 --> 00:30:16.960
you have an online account with, or you can find

511
00:30:16.960 --> 00:30:19.720
the verified phone number and call the company and ask

512
00:30:19.839 --> 00:30:22.880
them the question. You know, there was a lot of

513
00:30:22.880 --> 00:30:26.039
stuff going on with you failed to show up for

514
00:30:26.119 --> 00:30:29.720
jury duty and you owe this penalty and stuff. Well,

515
00:30:29.759 --> 00:30:33.519
you can look up the verified phone number and call

516
00:30:34.119 --> 00:30:37.960
the courthouse and talk to them to verify what's going on.

517
00:30:38.440 --> 00:30:40.559
You know, but you would you would have gotten a

518
00:30:40.640 --> 00:30:42.319
jury summons in the mail.

519
00:30:42.200 --> 00:30:44.599
That you would have had to have. You would have

520
00:30:44.640 --> 00:30:47.519
had to engage with too.

521
00:30:48.240 --> 00:30:52.359
Some people, for whatever reason, have you know, for valid reasons,

522
00:30:52.640 --> 00:30:54.519
can get out of the jury duty and you might

523
00:30:54.559 --> 00:30:58.279
have to write to them or fill out a form online. However,

524
00:30:58.319 --> 00:31:02.119
it works to see if you can get dismissed. But

525
00:31:04.279 --> 00:31:06.279
you know, you have to think about and ask yourself

526
00:31:06.319 --> 00:31:09.039
these questions. Well, did I ever get a jury summons

527
00:31:09.079 --> 00:31:10.920
in the mail that I was supposed to go to court?

528
00:31:13.000 --> 00:31:15.480
You think you might have and you've forgotten it? You know, again,

529
00:31:16.359 --> 00:31:20.880
call the courthouse in that district with a verified phone number,

530
00:31:20.880 --> 00:31:23.359
not a phone number that's on any communication. You just

531
00:31:23.400 --> 00:31:27.160
got find the verified phone number and call them and

532
00:31:27.319 --> 00:31:32.720
ask them the question, you know, the the jury duty thing.

533
00:31:32.839 --> 00:31:33.839
The courthouses are.

534
00:31:33.680 --> 00:31:36.920
Going to let you explain why you missed jury duty

535
00:31:38.599 --> 00:31:44.039
before they're going to just give you a penalty for it.

536
00:31:44.079 --> 00:31:47.079
Because what happens if you got in an accident and

537
00:31:47.839 --> 00:31:50.400
you couldn't get there, or you were sick and you

538
00:31:50.440 --> 00:31:53.640
were in the hospital. Right, there's valid reasons why you

539
00:31:53.960 --> 00:31:58.400
might have missed jury duty. So always stop, ask yourself

540
00:31:58.480 --> 00:32:01.839
the questions, think about it, give yourself twenty four hours.

541
00:32:02.359 --> 00:32:05.839
You know, I heard this phrase a long time ago.

542
00:32:06.240 --> 00:32:10.079
Sleep on it, right, Sleep on it and think about

543
00:32:10.119 --> 00:32:12.480
it the next day. Now the scammers are going to

544
00:32:12.559 --> 00:32:15.000
want to keep contacting you and all of this stuff.

545
00:32:15.079 --> 00:32:18.319
I talked to a lady yesterday and hopefully she's going

546
00:32:18.400 --> 00:32:21.039
to be on as a guest soon. But you know,

547
00:32:21.279 --> 00:32:25.359
she had actually engaged with a scammer, and it was

548
00:32:25.480 --> 00:32:30.519
during the conversation something just didn't feel right, didn't sit

549
00:32:30.640 --> 00:32:33.839
right with her, and so she got off the phone

550
00:32:34.119 --> 00:32:36.759
with them. But she had arranged and said, you know,

551
00:32:36.839 --> 00:32:39.000
call me back, I have a dentist appointment. Called me

552
00:32:39.079 --> 00:32:42.279
back at this time. And sure enough they called, but

553
00:32:42.440 --> 00:32:44.839
she didn't answer the phone again. She knew it was

554
00:32:44.880 --> 00:32:47.039
a scam. But you don't even have to go through

555
00:32:47.039 --> 00:32:50.799
all that. Just hang up on them, don't worry about it.

556
00:32:50.880 --> 00:32:53.000
Just hang up on them, don't worry about being nice

557
00:32:53.000 --> 00:32:57.799
to them. But somewhere in that she was able to

558
00:32:57.839 --> 00:33:00.519
figure out that this just didn't feel right, didn't sit

559
00:33:00.599 --> 00:33:05.319
right with her, and so she avoided falling victim to

560
00:33:05.319 --> 00:33:08.799
that scam. You need to listen to your gut and

561
00:33:08.880 --> 00:33:12.519
what it's telling you. So that's all I have for today.

562
00:33:13.519 --> 00:33:16.599
The next five weeks, I believe you're going to see

563
00:33:16.599 --> 00:33:19.759
Brian Watson. He's going to be back on here doing

564
00:33:19.799 --> 00:33:22.359
this show. He's going to have some great information for you.

565
00:33:22.440 --> 00:33:25.559
But in the meantime, don't forget to click subscribe to

566
00:33:25.720 --> 00:33:29.359
our YouTube channel. We are up over fifty subscribers. Now

567
00:33:29.400 --> 00:33:31.640
we're trying to get to that one hundred, over one

568
00:33:31.680 --> 00:33:34.960
hundred subscribers, so subscribe to our YouTube channel. You're going

569
00:33:35.000 --> 00:33:38.000
to get notified ahead of time of what these shows

570
00:33:38.000 --> 00:33:40.160
are going to be about. You can find all of

571
00:33:40.200 --> 00:33:44.559
our past episodes on there, and you can get on

572
00:33:44.559 --> 00:33:48.319
our website at Rosadvocacy dot org and find all of

573
00:33:48.319 --> 00:33:50.920
our social media channels and go down to the bottom

574
00:33:51.079 --> 00:33:53.119
of the homepage and you can sign up for our

575
00:33:53.160 --> 00:33:57.920
emailed newsletter and or our mailed newsletter. Lots of valuable information,

576
00:33:58.359 --> 00:34:02.839
but it's a reminder about your scam prevention habits, so

577
00:34:02.960 --> 00:34:05.039
the next time you are contacted, you're going to be

578
00:34:05.079 --> 00:34:08.920
more apt to stop and pause and think about the situation. First,

579
00:34:09.639 --> 00:34:12.480
Happy New Year everyone, and take care and I will

580
00:34:12.519 --> 00:34:14.320
see you mid February.

581
00:34:14.760 --> 00:34:15.639
Thanks.

582
00:34:16.960 --> 00:34:19.960
Well, that's all the knowledge for this episode. Juni in

583
00:34:20.159 --> 00:34:24.239
every Tuesday at eight am Pacific time on KFOURHD Radio

584
00:34:24.400 --> 00:34:29.079
at kfourahd dot com as Joyce explores a variety of knowledge.

585
00:34:29.119 --> 00:34:32.719
So you have the power to make scam protection your

586
00:34:32.840 --> 00:34:36.519
healthy habit and until then, feel free to reach out

587
00:34:36.519 --> 00:34:39.119
to Joyce and let's talk about scams