Dec. 2, 2025

Online Shopping, Charity Scams and How to Protect Yourself

Online Shopping, Charity Scams and How to Protect Yourself

Today we are talking about a few prevalent scams that ramp up in December, online shopping and charity scams. Join us as we give examples and show you how you can protect yourself and your loved ones this holiday season.

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 scam some

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Joyce Petrowski, founder and board president of Rose Resources Outreach

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to Safeguard the Elderly, where we have a scam prevention

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through education program where we bring scam prevention techniques and

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give you the tools to be able to recognize scams

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and avoid falling victim to these scams. You can find

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our website at Roseadvocacy dot org, where you'll find all

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of our social media links. On the homepage, scroll all

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the way down to the bottom, and there's two options

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to sign up for newsletters. We send one in the

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mail at the beginning of every month, and we also

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send one via email, and then every Tuesday morning at

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nine fifteen in about twelve minutes thirteen minutes, you'll get

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tip Tuesday email that has a tip on it. Some

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people might already know the tip, and that's great, But

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what it does is it help build a scam prevention

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through your healthy skepticism and your scam prevention habits.

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It helps make it a habit.

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The more you see it, the more you keep it

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top of mind, so that way when you are contacted,

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you're going to be better app to recognize that it's

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a scam. And avoid the avoid engaging with the contact.

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Excuse me, this is probably going to be a shorter

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one than normal. Today you probably tell losing my voice

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and hopefully I don't start coughing during this, but we're

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going to give it a shot. So today we're going

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to talk about holiday online shopping scams and charity scams too,

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scams that happened to really ramp up over the holidays.

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As you know, we had Thanksgiving last Thursday, and then

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Friday was Black Friday, so there's a lot of shopping.

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I think it was originally meant people were going in

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the stores, but a lot of people shop online. Then

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Saturday was Small Business Saturday, and yesterday was Cyber Monday,

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which was meant for all the online shopping. And today's

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Giving Tuesday is for all the charities out there. It's

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a worldwide platform for people to donate to their favorite charity.

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You can find out all of our information on our

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website if you want to make a donation again Roseadvocacy

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dot org. So let's go to the online shopping. I

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think today in today's world, a lot of people, for

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a variety of different reasons, they do a lot of

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shopping online. And there are a lot of fake websites

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out there. Scammers. They have thousands of fake websites that

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they've created. We've talked before about how much money they're making.

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They're taking some of this money and they're reinvesting it.

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It's not that expensive to buy a domain, and they

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don't have to contract out with somebody to build the

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website because they've already got the technical people they are

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working for them that can build the website. And they're

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going to impersonate a lot of larger companies, and you know,

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you really have to look at some details and know

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what to look for to determine, you know, if this

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is really a fake website. So we're going to go

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over a few ways that you can tell, and I'm

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going to share my screen. Hold on one second, it's

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been a while since I've done this. Here we go, No,

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that's not it, share screen. There we go, entire screen,

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all right, So I am sharing the screen. So what

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we're going to do first is I went in and

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I typed in list of fake online websites for online

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shopping and Express VPN. This just happens to be the

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company that I have a subscription to that I for

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their VPN services, which is virtual Private network, and they

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did this article. Let's see they did it, it says

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back in twenty twenty three, but it's been updated because

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they've updated it with list of scam websites in twenty

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twenty five, so they've gone through.

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They kind of give you some what are scam websites? Right?

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They're there for deception and impersonations. They want to solicit

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personal information, they want to exploit your finances. They might

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put malware on your devices, and they're going to use

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social engineering tactics, which again is they create that false

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sense of credibility and they're basically using your good nature

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against you to deceive you into giving them what they want.

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So how do they work those phishing attacks, fake shopping websites,

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distributing malware, They could have fake profiles on social medias.

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They'll even do search engine ads, and they have bots

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that will flood the comment sections with links to fake sites.

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I actually see some of those comments on our mostly

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on our Facebook is where I see them, and people

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will put in the comments about well, you know, I

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was victimized here and I went to this person on

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this website and they really helped me, and it's a

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bot doing it and they're just taking you to a

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fake site. I tried to delete those as much as

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I can when I do see them. So they're going

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to list here ten different types of scam websites again,

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phishing websites, fake shopping, malware distribution websites, tech support scams,

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all different. We're going to get into charity scams, selling

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fake tickets, they're going to clone legitimate websites. And so

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they actually came up with a list here, and this

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one basically said, here's a list of the top suspected

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fake websites to avoid this Black Friday and Cyber Monday.

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But they're still good to look at even though those

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two days are over with. And actually I've got emails

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this morning that some companies have extended their Cyber Monday

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sales through today. But these are some ones that they've

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listed that are fake. They're malicious sites, and you could

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go through here and look at all these different ones.

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They're going to tell you why they have a low rating,

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poor customer service, they don't have a lot of contact information,

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new websites, bargain basement prices that too good to be true. Thing,

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here's one impersonating Tiffany. It's not the official Tiffany and

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Company websites. You know, one of the most significant indicators

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that is a scam is a clear warning from the

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genuine Tiffany and Company. The official website explicitly states that

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their products are exclusively sold through their official country specific

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platforms and they only work with reputable platforms like farfetch

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and netaporter as outside sellers. They don't have functioning social

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media links, suspicious payment processing. It's a very young domain.

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It's only been around for a couple of years. Some

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of these I've never heard of before. But there are

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so many different If you just go to do like

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a Google search for a specific product, there are so

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many different online shopping sites that come up, and you

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know they might actually have a legitimate picture of from

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the legitimate website, because sometimes those are easy enough to

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copy and then paste on.

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The fake website.

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Here's one myfaceboxer dot com, and I'm sure there is

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a legitimate websites that sells boxers and socks and stuff

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like that with I've seen a lot of them recently

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where you can get your like on pajamas, your pets

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picture and stuff like that. When scammers see that a

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website is popular and a lot of people buy from

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it and they're posting just record profits and sales and

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stuff like that, well then it's an incentive for them

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to want to.

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Impersonate that site.

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So you can go down through a bunch of these.

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But what I wanted to do was, so here's bed

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Bath and Beyond and they have bed Bath Clothes and

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close as c l o s e versus with store

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closing right, and I believe now all the stores might

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actually be closed. I'm not sure if they actually do

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anything online with bed Bath and Beyond, but you could

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put this without the parentheses here. You could just do

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bedbath clothes dot com. And I'm going to search it

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and I'm going to.

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Say, is bed bath close dot com a legitimate website?

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And I'm gonna just see what comes up.

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Immediately it comes up as a scam website that impersonates

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bed Bath and Beyond. So you can do this with

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any website, but you want to make sure you put

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is or something in front of it, because if you

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just go to typebeedbathclothes dot com in your search bar,

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it's going to if you don't have any antivirus or

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antimoware on your device, it might actually take you to

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that website and then you might get some malware or

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a virus on your device, which again another reason why

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you should always have a strong antivirus anti malware on

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all your devices, especially your phone, because.

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It is a mobile computer and we do.

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A lot of online shopping on our phones. Not sure

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if you can use your current subscription, just call the

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company or log in through their official website into your

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account and see if you have an extra device that's

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not being used on there. So that's one way you

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could go. In another way you could do it is.

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I got to.

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Find the url void and I did a segment on this,

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probably in the summer sometime, I think, and showing you

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how to go in and look at things. So you

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put the website here, Bedbathclothes dot com scan website and

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it's gonna come up and it's going to say detection counts.

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Six out of forty one places detected had detections. It's

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only been around for a year. Server location is in

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the Netherlands. So you come down here and all of

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these first six here. Bitdefender is a popular one, have

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detected that it is, so I'm going to hit that

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it's a bad site. So I'm gonna hit view more details.

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Stop. This website is not safe.

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It's classified as fishing, contains malware that may harm your computer,

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pretends to be you know this a variety of different reasons.

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It could host an gro scam, it could be pretend

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to be a financial institution. They highlighted this one here

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that it was fishing. But these are some other things

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that fake websites could could be doing.

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So that was really quick being able to tell on

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that one.

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You can go into these other ones for more detail.

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And sometimes you're going to have a lot of a

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lot of technical details that you really have to understand

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what it is that they're talking about. But you could

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always you could always look it up. Let's see there

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are let's.

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See this is this is one.

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This is an article from Forbes that came up and

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it was written on June eleventh about do not shop

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on any in any website that's on this list.

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And so they have.

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The list of brands being in personated as extensive. Look

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at all these Amazon, Costco, Bath and Bodyworks, Nordstrom, Saxo,

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Fifth Avenue, Low's LL Bean, Tommy Bahama, Rolex Brooks, Running, Birkenstock, Crocs,

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Sketcher's Total Wine. All of these are big companies that

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most of them look to be global companies or at

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least sell all throughout the United States. But you can

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just look at all of these companies and ge appliances, right,

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I mean trying to look at some other ones that

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I might be able to Ravensburger, puzzles, nurseries, shoes, golf,

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just about anything, yoga, beauty products, food, wine, you know, Instahart,

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a whole Deluthe trading, auto parts, Party, Dollar General, a

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whole bunch of different ones. And they actually come down

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here and they're going to to give you all these

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different domains. So like Amazon, and I usually always use

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Amazon as an example. Just about everybody has an Amazon account,

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whether you use it or not. So scammers know they

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have a lot more likelihood of getting more people to

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engage with their contact, whether it's phishing, whether it's or not, email,

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text message, phone call. You know, they have a better

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chance of.

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Getting you to here, you go, getting you to.

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Engage with their contact because your mind is reading Amazon

232
00:15:47.879 --> 00:15:51.399
and you see Amazon here, but you're not necessarily paying

233
00:15:51.399 --> 00:15:54.600
attention to the my in the box in this line.

234
00:15:54.799 --> 00:15:59.399
So this my Amazon box news. What I'm gonna do is,

235
00:15:59.399 --> 00:16:03.960
I'm just gonna do this, and I'm going to copy it,

236
00:16:04.039 --> 00:16:06.200
and I'm going to go back in to a search

237
00:16:06.240 --> 00:16:10.879
bar and go is and then you could type it in.

238
00:16:10.960 --> 00:16:13.559
I'm just gonna paste it, but I'm gonna want to

239
00:16:13.600 --> 00:16:15.480
get rid of these parentheses.

240
00:16:15.519 --> 00:16:15.799
Here.

241
00:16:20.240 --> 00:16:24.399
A you could say, is it a legitimate or you know,

242
00:16:24.559 --> 00:16:27.320
a fake website, a good website, whatever you want to say,

243
00:16:27.759 --> 00:16:30.919
or you could actually, you know, type is and then

244
00:16:31.000 --> 00:16:36.919
put it in the Miamazon box dot news. A scam

245
00:16:37.039 --> 00:16:40.159
website or a fraud You can add the word scam

246
00:16:40.200 --> 00:16:42.919
or fraud to whatever it is you're searching and see

247
00:16:42.919 --> 00:16:45.440
what comes up. So it's like it is not a

248
00:16:45.519 --> 00:16:49.080
legitimate website. It has one of the lowest trust scores. Okay,

249
00:16:49.200 --> 00:16:51.919
Scam Detector. You can get on there and look at reviews,

250
00:16:51.960 --> 00:16:56.679
scam advisors, scam void, Better Business Bureau. You know, there's

251
00:16:56.720 --> 00:16:59.799
a bunch of different things you can look, but you

252
00:16:59.799 --> 00:17:01.240
can do that with any of them.

253
00:17:01.399 --> 00:17:02.279
But again, I'm going.

254
00:17:02.240 --> 00:17:10.039
To go into where's it at here this url void

255
00:17:10.400 --> 00:17:13.599
and I'm going to put it in here and get

256
00:17:13.680 --> 00:17:21.079
rid of these parentheses. Oops. And I'm going to scan

257
00:17:21.160 --> 00:17:26.319
the website and it's going to come up and say again,

258
00:17:26.480 --> 00:17:31.200
six of forty one have detections. They registered their domain

259
00:17:31.319 --> 00:17:35.519
nine months ago. Nine months ago. Now I actually before

260
00:17:35.559 --> 00:17:40.920
this show put in Amazon dot com and it came

261
00:17:41.000 --> 00:17:44.559
up and showed that their domain was registered thirty two

262
00:17:44.759 --> 00:17:49.799
years ago. That sounds more like the accurate Amazon account,

263
00:17:49.920 --> 00:17:53.799
not one that was just registered nine months ago. So

264
00:17:53.880 --> 00:17:55.720
you can get in and look at again, all of

265
00:17:55.759 --> 00:18:01.480
these have detected. Let's go into a bitdefender. You know, stop,

266
00:18:01.559 --> 00:18:04.559
this website is not safe there. It is classified as fishing.

267
00:18:08.799 --> 00:18:13.880
So there's a bunch of different U information you can get.

268
00:18:14.000 --> 00:18:18.680
But see that's the Forbes. You go down, there's some

269
00:18:18.720 --> 00:18:23.079
costco websites, Nordstrom. These are ones that are already known

270
00:18:23.400 --> 00:18:23.960
out there.

271
00:18:25.799 --> 00:18:26.400
Excuse me.

272
00:18:26.440 --> 00:18:30.359
So when you go to do your online shopping, if

273
00:18:30.400 --> 00:18:34.799
you know the legitimate website that you want to go to,

274
00:18:35.119 --> 00:18:38.160
then go to that legitimate website. You already know what

275
00:18:38.279 --> 00:18:43.799
it is. But if you're just searching, So if I'm

276
00:18:43.920 --> 00:18:45.680
just searching for.

277
00:18:48.519 --> 00:18:49.559
Let's see.

278
00:18:50.759 --> 00:18:55.880
They had Nordstrom, I'm just going to see Nordstrom's store.

279
00:18:57.160 --> 00:19:03.119
Right, that's the co pilot, that's the AI search.

280
00:19:03.200 --> 00:19:08.119
I was actually looking for something that would say sponsored.

281
00:19:10.039 --> 00:19:10.559
On there.

282
00:19:16.559 --> 00:19:20.039
Let's see if this has any sponsor right here. Okay,

283
00:19:20.119 --> 00:19:23.400
bed Bath and Beyond says official site, blah blah blah.

284
00:19:23.440 --> 00:19:26.559
It says sponsored right here, So that means they purchased

285
00:19:26.599 --> 00:19:31.400
an ad in order to get this information to show

286
00:19:31.480 --> 00:19:35.119
up in the top three of your Google search, because

287
00:19:35.119 --> 00:19:36.720
a lot of people are just going to go down

288
00:19:36.759 --> 00:19:39.759
through the first maybe three or five options. So a

289
00:19:39.839 --> 00:19:42.359
lot of people just might pick the first option and

290
00:19:43.680 --> 00:19:47.599
this very well could be the official site. But scammers

291
00:19:47.599 --> 00:19:52.039
will buy ads on Google as well to get their

292
00:19:52.759 --> 00:19:57.200
fake impersonation website to come up in the top three

293
00:19:57.319 --> 00:20:02.559
as well. So you know, let's say something like uh,

294
00:20:02.640 --> 00:20:06.319
cyber Monday extended up to seventy percent off. Okay, well,

295
00:20:08.759 --> 00:20:11.400
you don't necessarily need to click on that. You can

296
00:20:11.440 --> 00:20:15.400
scroll down and again copilots search is the AI search,

297
00:20:15.480 --> 00:20:24.920
the artificial intelligence. But you can go down and I

298
00:20:24.960 --> 00:20:30.119
was actually looking for right here, it has you know,

299
00:20:30.960 --> 00:20:34.039
bed Bath and Beyond dot com, and it's got some

300
00:20:34.160 --> 00:20:42.279
locations that are closed. But now I know that was

301
00:20:42.319 --> 00:20:48.240
the official site Bedbath Andbeyond dot com. So now I

302
00:20:48.279 --> 00:20:51.839
can go into the actual website and start searching for it.

303
00:20:58.519 --> 00:21:03.400
Let's go back to let's see here Saxsmith Avenue. Here's

304
00:21:03.440 --> 00:21:07.319
a few Dollar General. Look at this Dollar General one

305
00:21:07.440 --> 00:21:11.039
Dollar General dot com. But then look at how they

306
00:21:11.079 --> 00:21:17.240
added an AI dollar. They took the L out okay,

307
00:21:17.559 --> 00:21:21.759
and I actually read that as Dollar General AI. See

308
00:21:21.799 --> 00:21:25.640
my mind was already thinking Dollar General, and I thought

309
00:21:25.680 --> 00:21:30.960
they added an AI at the end. But really all

310
00:21:31.079 --> 00:21:35.680
they took the L off and they put a lowercase

311
00:21:35.720 --> 00:21:42.200
I in there instead of the lowercase L. And see

312
00:21:42.400 --> 00:21:48.519
it caught my mind. I saw Dollar General and then AI.

313
00:21:49.200 --> 00:21:52.440
So your mind can play tricks on you. So you

314
00:21:52.480 --> 00:21:56.240
can write down all of the characters in that domain

315
00:21:56.440 --> 00:21:59.839
and then look at each individual character. Some people have

316
00:22:00.079 --> 00:22:04.039
said they like to write it down backwards and then

317
00:22:04.160 --> 00:22:07.960
read the characters backwards, and then they can actually piece

318
00:22:08.039 --> 00:22:12.640
together if it makes sense or not. Some of these

319
00:22:12.720 --> 00:22:15.559
I've not heard of. This is a UK site, This

320
00:22:15.640 --> 00:22:19.839
is a German department store. You know, here's a whole

321
00:22:19.880 --> 00:22:29.160
bunch of lows is on here, Tractor Supply, Advanced Autoparts.

322
00:22:29.200 --> 00:22:33.680
There's a whole bunch of fake websites on here. So

323
00:22:34.039 --> 00:22:36.440
you know it might be good for you. If you're

324
00:22:36.640 --> 00:22:41.200
looking to go online shopping this holiday season at a

325
00:22:41.400 --> 00:22:44.119
store that you're not familiar with, that you don't know

326
00:22:45.200 --> 00:22:48.960
what the legitimate website is you've not shopped on there before.

327
00:22:51.559 --> 00:22:54.079
Type in the name of the store and say legitimate

328
00:22:54.200 --> 00:22:58.799
site or type in is and then put the domain

329
00:23:00.279 --> 00:23:03.920
the legitimate site or is and then put the domain

330
00:23:04.000 --> 00:23:08.319
address a fake site or a scam or if you

331
00:23:08.359 --> 00:23:11.359
want a list of known ones, just type in like

332
00:23:11.440 --> 00:23:18.000
I did online shopping scam websites for twenty twenty five

333
00:23:18.079 --> 00:23:20.200
and that's how I came up with those first two articles.

334
00:23:21.759 --> 00:23:25.599
Another thing you can do is like this article for Forbes.

335
00:23:25.640 --> 00:23:29.640
You can go up here on this toggle switch here

336
00:23:29.680 --> 00:23:33.119
and it tells you your connection is secure, and I

337
00:23:33.240 --> 00:23:35.759
have it set where I don't want to get notifications

338
00:23:35.799 --> 00:23:38.519
from them. Now I could go on and reset it

339
00:23:38.559 --> 00:23:41.079
and say, yes, I want them once I get on

340
00:23:41.160 --> 00:23:43.480
their site, I want them to send me notifications, but

341
00:23:43.559 --> 00:23:45.680
I don't want to get them. You can go on

342
00:23:45.799 --> 00:23:49.039
and look at cookies and site data. My third party

343
00:23:49.079 --> 00:23:52.319
cookies are blocked. I have that in my settings for everyone,

344
00:23:52.880 --> 00:23:55.519
and then I can manage the on device site data

345
00:23:55.720 --> 00:24:01.880
so there's twenty sites that are allowed data from the

346
00:24:02.000 --> 00:24:07.880
site that I'm visiting. This Forbes. This is also available

347
00:24:07.920 --> 00:24:11.079
to the site and its subdomain, so it's email dot

348
00:24:11.079 --> 00:24:15.359
Forbes dot com, Forbes dot com, www dot Forbes dot com.

349
00:24:15.640 --> 00:24:17.720
Now you can go in and delete, or you could

350
00:24:17.759 --> 00:24:20.119
just hit these three buttons and say don't allow it

351
00:24:20.160 --> 00:24:23.680
to save data or delete everything when you close all

352
00:24:23.680 --> 00:24:28.400
the windows. And then a site can also embed content

353
00:24:28.519 --> 00:24:31.599
from other sites, for example images, ads, and texts. These

354
00:24:31.640 --> 00:24:34.759
other sites can also save data. I have no idea

355
00:24:34.799 --> 00:24:39.279
what these other sites are. Data is treated the same

356
00:24:39.359 --> 00:24:42.839
as the site you're viewing. You can go in and

357
00:24:42.880 --> 00:24:45.440
you could just say don't allow it to save data.

358
00:24:45.559 --> 00:24:48.000
Then it says that site's not allowed to save data

359
00:24:48.440 --> 00:24:52.960
to your and go down through each one. Wow, that's

360
00:24:53.000 --> 00:24:58.240
a lot of them on there. But then you can

361
00:24:58.319 --> 00:25:06.720
also go on to site settings and.

362
00:25:06.400 --> 00:25:07.480
There's five cookies.

363
00:25:07.519 --> 00:25:09.559
I could just hit delete data and it's going to

364
00:25:09.599 --> 00:25:11.279
take those five cookies off.

365
00:25:11.799 --> 00:25:12.359
I could go.

366
00:25:12.359 --> 00:25:18.119
In and see anything that is automatic. So the sound

367
00:25:18.240 --> 00:25:20.200
is automatic, and I can change it to block it.

368
00:25:20.920 --> 00:25:23.400
I can change all these are defaults, but you can

369
00:25:23.440 --> 00:25:30.920
go in and change these to say allow block. So

370
00:25:30.960 --> 00:25:32.599
there's a bunch of different things you can.

371
00:25:32.480 --> 00:25:34.799
Do with these.

372
00:25:37.079 --> 00:25:39.640
If I get back to this, I wanted to find

373
00:25:39.759 --> 00:25:41.640
something about the cookies.

374
00:25:42.559 --> 00:25:45.640
Oh, that's what it was. I had third party cookies blocks.

375
00:25:45.680 --> 00:25:48.400
So if I go like this, it's saying.

376
00:25:50.960 --> 00:25:53.680
I have ninety days until the cookies are blocked again.

377
00:25:53.799 --> 00:25:57.000
I've temporarily allowed this site to use third party cookies,

378
00:25:57.319 --> 00:26:00.480
which means less browsing protection, but the feature are more

379
00:26:00.599 --> 00:26:01.960
likely to work as expected.

380
00:26:02.000 --> 00:26:03.039
Well, I don't want to.

381
00:26:03.039 --> 00:26:05.799
Take the risk other people might be at you know,

382
00:26:06.000 --> 00:26:11.079
I'm willing to take the risk with Forbes again personal choice.

383
00:26:11.079 --> 00:26:14.640
But that's how you can check out the security of

384
00:26:14.640 --> 00:26:17.640
the website as well. And connection is secure, you can

385
00:26:17.680 --> 00:26:20.720
get into that certificate is valid. You can get in

386
00:26:20.759 --> 00:26:23.920
here and you could look at a lot more pieces

387
00:26:23.960 --> 00:26:25.559
of information on the certificate.

388
00:26:29.440 --> 00:26:30.839
Ope. Connection is secure.

389
00:26:32.000 --> 00:26:36.279
Your information, for example, passwords or credit card number is

390
00:26:36.359 --> 00:26:38.160
private when it is sent to this site.

391
00:26:38.160 --> 00:26:39.319
You can learn more.

392
00:26:39.319 --> 00:26:43.160
And it'll go in and it'll tell you more about

393
00:26:43.400 --> 00:26:46.640
how you can check the site information, how you can

394
00:26:46.720 --> 00:26:47.720
check if it's secure.

395
00:26:47.759 --> 00:26:48.839
It'll tell you on your.

396
00:26:48.680 --> 00:26:51.759
Computer, on an Android, on an iPhone or an iPad,

397
00:26:52.079 --> 00:26:54.920
So it gives you a lot of information on that.

398
00:26:55.799 --> 00:27:00.680
So that's all I have for the online shopping. A

399
00:27:00.799 --> 00:27:03.839
very good thing to have on all of your devices,

400
00:27:03.880 --> 00:27:12.079
as I said before, is antis strong antivirus and anti malware.

401
00:27:12.880 --> 00:27:16.279
You might also want to look at whichever subscription you

402
00:27:16.480 --> 00:27:19.279
have or you're looking at getting see if they have

403
00:27:19.440 --> 00:27:24.440
endpoint detection and response. This isn't enhanced, it enhances your

404
00:27:24.440 --> 00:27:29.200
antivirus anti malware because this endpoint detection and response is

405
00:27:29.359 --> 00:27:33.039
looking at the behavior of a website. So if it's

406
00:27:33.079 --> 00:27:38.279
a brand new malicious website and the threats not known yet,

407
00:27:39.079 --> 00:27:43.359
then if it's behaving out of the ordinary, if it's

408
00:27:43.400 --> 00:27:47.240
behaving like a malicious site, would this endpoint Detection and

409
00:27:47.319 --> 00:27:51.920
Response or EDR is going to recognize it and say, hey,

410
00:27:52.200 --> 00:27:54.400
we don't think this is a good site. It's not

411
00:27:54.559 --> 00:27:58.119
behaving like it should and all that, and we suggest

412
00:27:58.200 --> 00:28:01.920
you don't go here because it could be a malicious site.

413
00:28:02.720 --> 00:28:05.480
So consider that, and as I said before, and make

414
00:28:05.519 --> 00:28:12.359
sure you always have your antivirus anti malware on your

415
00:28:12.440 --> 00:28:15.359
phone cell phone as well, because it is a mobile computer.

416
00:28:15.759 --> 00:28:17.960
We do a lot of We do a lot of

417
00:28:18.000 --> 00:28:19.680
things on our phone, and we do a lot of

418
00:28:19.720 --> 00:28:23.519
online shopping. On our phone. That's going to help you

419
00:28:23.640 --> 00:28:26.720
not get to these malicious sites as well. So the

420
00:28:26.759 --> 00:28:29.240
second part of what I want to talk about is

421
00:28:29.440 --> 00:28:33.000
charity scams, and we talk about this in our presentation.

422
00:28:34.000 --> 00:28:36.119
A lot of scammers come out of the woodwork at

423
00:28:36.160 --> 00:28:39.640
the end of the year, especially in December. They're out

424
00:28:39.680 --> 00:28:43.400
today because of Giving Tuesday, but they know a lot

425
00:28:43.480 --> 00:28:45.519
of people wait until the end of the year to

426
00:28:45.640 --> 00:28:48.680
do their charitable contributions. Maybe they want to see what

427
00:28:48.720 --> 00:28:52.559
their taxes are going to look like for that year,

428
00:28:53.680 --> 00:28:56.640
and they work through the stuff with their accountant in

429
00:28:56.720 --> 00:29:00.559
December and it shows, well, if you make this much charity,

430
00:29:00.599 --> 00:29:02.720
this is going to help you say this much in taxes,

431
00:29:03.799 --> 00:29:05.519
or maybe they get their bonus at the end of

432
00:29:05.559 --> 00:29:08.000
the year and they use a portion of that to donate.

433
00:29:08.039 --> 00:29:11.079
A lot of different reasons, but anyways, scammers are out.

434
00:29:11.160 --> 00:29:15.559
They're impersonating legitimate charities, and they're also just making up

435
00:29:15.559 --> 00:29:18.160
fake charities and they'll go as far as having fake

436
00:29:18.240 --> 00:29:21.400
websites and all of that. So no matter how you

437
00:29:21.440 --> 00:29:25.200
get contacted, even if it's from a charity that you

438
00:29:25.279 --> 00:29:29.079
are familiar with that you've donated to before, you know

439
00:29:29.160 --> 00:29:34.480
how to make that donation. You know, the charity's legitimate website.

440
00:29:34.799 --> 00:29:37.400
You can find all of their information on their website,

441
00:29:37.559 --> 00:29:40.920
how to mail a donation, how to make one on

442
00:29:40.960 --> 00:29:45.319
the website via a credit card, their phone number if

443
00:29:45.319 --> 00:29:50.400
you wanted to call them and do a donation over

444
00:29:50.440 --> 00:29:52.759
the phone.

445
00:29:53.519 --> 00:29:55.720
But let's say it's one you're not familiar with.

446
00:29:57.000 --> 00:30:03.200
So there's a website called chare already navigator at org

447
00:30:04.839 --> 00:30:07.839
and I'm going to use Rose as an example, and

448
00:30:09.440 --> 00:30:16.039
see it has giving Tuesday match activated. They're matching donations

449
00:30:16.160 --> 00:30:20.240
up to seventy thousand. I'm going to get out of that.

450
00:30:21.079 --> 00:30:25.160
And we talk about this in our presentation that if

451
00:30:25.200 --> 00:30:27.240
you were to type the name of the charity in

452
00:30:27.440 --> 00:30:29.960
like you were to type Rose the way we have

453
00:30:30.079 --> 00:30:36.279
it listed on everything, Look, nothing's coming up here. We go,

454
00:30:36.480 --> 00:30:39.920
it comes up here, but it's not the same. Okay,

455
00:30:40.359 --> 00:30:45.359
But let's just say I continue and I type the

456
00:30:45.400 --> 00:30:50.119
way we have it. It's going to say no organizations found,

457
00:30:50.799 --> 00:30:52.480
and you're going to be like, what.

458
00:30:52.160 --> 00:30:52.759
What's going on?

459
00:30:53.519 --> 00:30:56.920
You know, well, that's because when we applied to the irs,

460
00:30:57.480 --> 00:31:01.039
they did not like the periods, all the capital letters,

461
00:31:01.079 --> 00:31:03.519
the slash marks, so they took all the punctuation out.

462
00:31:03.920 --> 00:31:06.720
They made rows how you would write the name capital

463
00:31:06.839 --> 00:31:13.400
R capital R lowercase ose, just like you would a name.

464
00:31:15.000 --> 00:31:19.599
This is something support these top rated underfunding charities. You

465
00:31:19.640 --> 00:31:22.079
could just explore it if you're interested or not interested.

466
00:31:22.440 --> 00:31:25.599
I don't know how they determine what's charities set are

467
00:31:25.680 --> 00:31:28.720
underfunded or not, so I don't have any information on that.

468
00:31:29.240 --> 00:31:32.319
But as we say in our presentations, make sure you

469
00:31:32.359 --> 00:31:36.000
have the tax id number for the charity. If the

470
00:31:36.079 --> 00:31:38.240
charity doesn't want to give you the tax id number,

471
00:31:38.279 --> 00:31:42.880
then that's a red flag. If it's a public charity,

472
00:31:42.279 --> 00:31:46.119
they should give you the tax id number. It could

473
00:31:46.160 --> 00:31:48.119
be that maybe they have a volunteer calling and the

474
00:31:48.200 --> 00:31:50.279
volunteer doesn't know it, but they can get it and

475
00:31:50.319 --> 00:31:53.400
they can call you back. Anyways, I'm going to put

476
00:31:53.440 --> 00:31:57.839
mine in so eight seven dash two for seven.

477
00:31:59.039 --> 00:32:00.880
Oh, I don't know if it like the dash or not.

478
00:32:02.160 --> 00:32:04.079
Eight three four nine.

479
00:32:05.000 --> 00:32:08.200
So that's my tax id number. And see how they spell.

480
00:32:08.960 --> 00:32:11.279
And if you notice, when I first started typing out

481
00:32:11.359 --> 00:32:15.079
the rose are period zero period s period, I got

482
00:32:15.119 --> 00:32:18.680
as far as rose resources and it came up with this,

483
00:32:19.160 --> 00:32:22.440
But again it didn't look the same, so you might

484
00:32:22.480 --> 00:32:26.920
be looking and go, well, one of these is probably legitimate,

485
00:32:26.960 --> 00:32:29.480
but I don't know which one is legitimate. But if

486
00:32:29.519 --> 00:32:33.119
you put the tax id number in, every charity has

487
00:32:33.240 --> 00:32:34.680
their own tax id number.

488
00:32:34.720 --> 00:32:35.559
This is Roses.

489
00:32:36.640 --> 00:32:39.440
So then I click here and that comes up and

490
00:32:39.480 --> 00:32:46.440
it gives you all this information profile managed by the nonprofit.

491
00:32:46.519 --> 00:32:48.599
It's a five oh one C three. This is our

492
00:32:48.640 --> 00:32:52.680
physical address, this is our website, this is our phone number,

493
00:32:54.200 --> 00:32:57.759
and that we received our IRS designation in twenty twenty one.

494
00:32:57.880 --> 00:33:03.319
It has our mission on here and you can go

495
00:33:03.640 --> 00:33:09.640
directly to the website through there. So there's a lot

496
00:33:09.680 --> 00:33:13.240
of good information in Charity Navigator. You can also market

497
00:33:13.279 --> 00:33:18.759
as your favorite. It looks like I need to go

498
00:33:18.799 --> 00:33:21.839
in and put more details in here in order to

499
00:33:22.319 --> 00:33:25.720
get rated. I have it in guide Star, which is

500
00:33:25.759 --> 00:33:29.200
candid now, so I need to go in and put

501
00:33:29.240 --> 00:33:30.480
some more information.

502
00:33:31.799 --> 00:33:32.200
In here.

503
00:33:32.200 --> 00:33:35.960
But it gives you culture and community is one hundred.

504
00:33:38.359 --> 00:33:49.880
Accountability and finance. Oh that's why, because they're only looking

505
00:33:49.920 --> 00:33:52.319
at nine nineties. We filed a nine to ninety N

506
00:33:52.680 --> 00:33:54.839
the first year, and then the last three years we

507
00:33:55.000 --> 00:34:00.839
filed an easy That's weird because because one year of

508
00:34:00.880 --> 00:34:07.160
electronically filed IRS form data. Okay, anyways, I'll go in

509
00:34:07.200 --> 00:34:11.039
and put more information. But here you can see and

510
00:34:11.079 --> 00:34:13.239
it tells you if you look under this information for

511
00:34:13.320 --> 00:34:16.239
the tax id number. An ei N is a unique

512
00:34:17.159 --> 00:34:20.760
nine digit number that identifies a business for tax purposes.

513
00:34:21.239 --> 00:34:24.280
So always ask for that EI in number. Use that

514
00:34:25.159 --> 00:34:29.719
when you search on Charity Navigator. Yes, you can search

515
00:34:29.880 --> 00:34:33.880
on IRS dot gov. I'll show you real quick on here.

516
00:34:33.960 --> 00:34:36.880
You have to click through a few more things in

517
00:34:36.920 --> 00:34:37.760
the search bar.

518
00:34:38.039 --> 00:34:44.519
You can put in charity search.

519
00:34:47.880 --> 00:34:52.920
Search for tax exempt organizations, tax Exempt organization search. You

520
00:34:52.920 --> 00:34:57.159
can click on either one of them. Tax Exempt Organization

521
00:34:57.280 --> 00:35:03.639
search tool search for a tax exempt organization. Now you

522
00:35:03.760 --> 00:35:06.239
get to this. You can search all by the employer

523
00:35:06.280 --> 00:35:09.760
identification number you put it in. You can search by

524
00:35:09.840 --> 00:35:12.159
name too, but like I said, we highly suggest you

525
00:35:12.199 --> 00:35:14.519
do it by the number because it is a unique

526
00:35:15.039 --> 00:35:21.280
number for every charity. And you can search there and

527
00:35:21.360 --> 00:35:25.559
then here it comes up and it gives you determinate

528
00:35:25.800 --> 00:35:29.000
determination letters the form nine ninety N, which is there

529
00:35:29.119 --> 00:35:36.960
copies of returns Publication seventy eight data copies of returns.

530
00:35:37.039 --> 00:35:40.320
My guess is it should have yep, it does. It

531
00:35:40.400 --> 00:35:43.280
has the only one they don't have in there yet

532
00:35:43.440 --> 00:35:48.119
is twenty twenty four. Not sure how long it takes

533
00:35:48.159 --> 00:35:50.519
them to get them updated, but we filed ours in

534
00:35:50.599 --> 00:35:54.519
May of twenty twenty five and it's still not up

535
00:35:54.559 --> 00:35:57.440
there yet, so I'm hoping it gets up there soon.

536
00:35:57.480 --> 00:35:59.559
But you can click into here and you can actually

537
00:35:59.599 --> 00:36:02.039
see our return, so you can find out a lot

538
00:36:02.079 --> 00:36:05.119
of information. But as as we talk about in our presentations,

539
00:36:05.639 --> 00:36:10.119
you're clicking through a lot more links through the IRS

540
00:36:10.239 --> 00:36:12.599
to get where you want to go. Charity Navigator you

541
00:36:12.599 --> 00:36:15.360
can just go directly there and the search button is

542
00:36:15.440 --> 00:36:19.559
right at the top. So anyways, that's all I have

543
00:36:19.639 --> 00:36:24.920
for you guys today. I'm gonna stop sharing. So just

544
00:36:24.960 --> 00:36:28.239
to recap, be very careful when doing your online shopping

545
00:36:28.280 --> 00:36:31.599
this year. If you are familiar with the company, you

546
00:36:31.639 --> 00:36:35.280
know their website, go directly there to do even if

547
00:36:35.320 --> 00:36:39.039
you see sponsored ads, go directly to the website that

548
00:36:39.079 --> 00:36:41.800
you know is the legitimate website and look for the

549
00:36:42.159 --> 00:36:46.639
look for the product and the ad, the discount whatever

550
00:36:46.679 --> 00:36:49.840
it is, the sale price. If you're not familiar with

551
00:36:49.880 --> 00:36:52.960
the company, do some research. Just type in the domain

552
00:36:53.559 --> 00:36:57.079
is and then put the domain a scam or a

553
00:36:57.199 --> 00:37:00.639
legitimate site, or put the name of the company in

554
00:37:00.920 --> 00:37:03.119
and say is the name and then put the name

555
00:37:03.159 --> 00:37:07.119
of the company a scam and.

556
00:37:07.079 --> 00:37:08.079
Just see what's out there.

557
00:37:08.199 --> 00:37:10.320
And you're, like I said, you're going to come up

558
00:37:10.360 --> 00:37:15.320
with some articles that I found the Forbes one and

559
00:37:16.679 --> 00:37:18.159
off the top of my head, I can't oh the

560
00:37:18.280 --> 00:37:21.599
Express VPN one where they've already gone through and they've given.

561
00:37:21.400 --> 00:37:23.440
You a long list of.

562
00:37:24.880 --> 00:37:27.960
Websites that are being impersonated, and so you can see

563
00:37:28.400 --> 00:37:31.760
it's not an all inclusive list. There are other ones

564
00:37:31.800 --> 00:37:35.360
out there, so you just have to be extremely careful

565
00:37:35.559 --> 00:37:39.000
with that. Oh, and have the good antivirus anti malware

566
00:37:39.159 --> 00:37:44.639
on all of your devices. Consider adding endpoint detection and

567
00:37:44.719 --> 00:37:47.440
response so it's going to look at new websites the

568
00:37:47.480 --> 00:37:51.519
behavior to see if it's acting legitimately or if it's

569
00:37:51.559 --> 00:37:55.519
acting more like a scam website. To protect yourself, always

570
00:37:55.519 --> 00:37:57.519
have it on your phone as well because it's a

571
00:37:57.559 --> 00:38:01.360
mobile computer and chair. When you are getting ready to

572
00:38:01.400 --> 00:38:04.039
donate to a charity, if you are familiar with a charity,

573
00:38:04.119 --> 00:38:08.239
donate like you normally do. If you're not familiar with

574
00:38:08.280 --> 00:38:11.199
a charity, go to charitynavigator dot org, or you could

575
00:38:11.239 --> 00:38:13.400
go to IRS dot gov and put in the search

576
00:38:13.440 --> 00:38:17.679
bar at the IRS dot gov Charity search and click

577
00:38:17.719 --> 00:38:21.440
through those links Charity Navigator right on the homepage. You

578
00:38:21.519 --> 00:38:23.840
just put in the tax id number. You're going to

579
00:38:23.920 --> 00:38:28.239
get directly to that charity through the tax id number

580
00:38:28.280 --> 00:38:32.800
because every charity has their own unique tax id number

581
00:38:32.880 --> 00:38:35.800
that they were given by the I r S and

582
00:38:35.920 --> 00:38:40.800
Charity Navigator gets their information from the IRS. So it

583
00:38:41.239 --> 00:38:44.840
could take a a short amount of time.

584
00:38:46.480 --> 00:38:47.000
With things.

585
00:38:47.159 --> 00:38:49.559
I don't know how Charity Navigator works as far as

586
00:38:49.639 --> 00:38:52.280
updating their data if it's on a daily basis, a

587
00:38:52.280 --> 00:38:55.119
weekly basis, a monthly basis, but you should be able

588
00:38:55.159 --> 00:38:58.360
to get information that you need that it's a valid

589
00:38:58.440 --> 00:39:01.679
charity and have the legitimate website to go directly there

590
00:39:01.840 --> 00:39:04.559
as well. So thank you guys for joining us today.

591
00:39:05.239 --> 00:39:09.400
Stay safe out there this holiday season, and don't forget

592
00:39:09.440 --> 00:39:12.400
to subscribe you don't want to miss an episode of this.

593
00:39:12.519 --> 00:39:16.239
You can go to our website at Roseadvocacy dot org.

594
00:39:16.480 --> 00:39:20.440
You'll find all our social media links really really really appreciated.

595
00:39:20.480 --> 00:39:23.159
If you would go to our YouTube channel and click subscribe,

596
00:39:23.199 --> 00:39:27.800
we are really trying to grow that channel. That way,

597
00:39:27.840 --> 00:39:30.280
you'll get notified whenever there's a new episode. You can

598
00:39:30.320 --> 00:39:33.360
find all the past episodes on there, and you can

599
00:39:33.519 --> 00:39:35.920
click on the shorts and that's going to give you

600
00:39:36.000 --> 00:39:38.679
anywhere from a thirty to a fifty five second clip

601
00:39:38.719 --> 00:39:44.119
of what that episode is about, and just a you know,

602
00:39:44.159 --> 00:39:46.840
instead of watching for fifty minutes, you can go look

603
00:39:46.840 --> 00:39:48.639
at that and see if maybe you want to go

604
00:39:48.679 --> 00:39:52.480
and look at the whole episode. Anyways, we would love

605
00:39:52.519 --> 00:39:54.639
it if you would subscribe to our YouTube channel, and

606
00:39:54.679 --> 00:39:56.679
don't forget you're going to want to sign up for

607
00:39:56.719 --> 00:39:58.719
our newsletter. You can sign up for both the one

608
00:39:58.760 --> 00:40:00.679
and the mail and the emailed one, or one or

609
00:40:00.719 --> 00:40:04.559
the other. As I said, with the email one, you're

610
00:40:04.559 --> 00:40:07.000
going to get an email every Tuesday morning. If you're

611
00:40:07.039 --> 00:40:09.199
already on there, you should have gotten it twenty five

612
00:40:09.199 --> 00:40:12.159
minutes ago. It has a tip Tuesday. Even if you

613
00:40:12.239 --> 00:40:15.519
already know the tip, it is a reminder and it's

614
00:40:15.599 --> 00:40:18.760
all there to make scam prevention a habit, not to

615
00:40:18.840 --> 00:40:21.400
scare you, not to make you always want to look

616
00:40:21.559 --> 00:40:25.000
over your shoulder. But if you make scam prevention a habit,

617
00:40:25.119 --> 00:40:27.920
you are going to be more likely to recognize the

618
00:40:27.960 --> 00:40:30.920
scam when you are contacted and then not fall victim

619
00:40:31.000 --> 00:40:36.440
and nodding, not engage with the contact and fall and

620
00:40:36.480 --> 00:40:39.639
not fall victim to the scam. So until next week,

621
00:40:39.920 --> 00:40:40.800
all right, thank you.

622
00:40:42.480 --> 00:40:45.440
Well, that's all the knowledge for this episode. Juni in

623
00:40:45.679 --> 00:40:49.760
every Tuesday at eight am Pacific time on KFOURHD Radio

624
00:40:49.920 --> 00:40:54.559
at KFOURHD dot com as Joyce explores a variety of knowledge.

625
00:40:54.639 --> 00:40:58.239
So you have the power to make scam protection your

626
00:40:58.360 --> 00:41:02.119
healthy habit. Until then, feel free to reach out to

627
00:41:02.199 --> 00:41:04.599
Joyce and let's talk about scams.