July 1, 2025

Scams Broken Down Into Three Parts - Anatomy of a Scam

Show Notes
Transcript

We discussed this four months ago and it is worth revisiting, our Anatomy of a Scam Infographic where we discuss the three parts of a scam.
We have some examples of scams that we will break down using the Anatomy of a Scam. Tune in to see if you can find the different parts of these scams.

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.

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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, everybody, welcome back. To let's talk about scams. I'm

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Joyce Petrowski, founder of Rose Resources Outreach to Safeguard the Elderly,

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five oh one C three nonprofit. You can find more

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resources on our website at Roseadvocacy dot org. You'll find

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our social media links on the homepage and if you

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scroll down to the bottom of the homepage, you'll find

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where you can sign up for our emailed newsletters and

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we also send one out in the mail. You can

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sign up for one or both of them, or share

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it with a friend or a family member that you

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think could benefit from it. And we are looking for

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sponsors for this radio show, So if you're interested in

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sponsoring this show, reach out to us at info at

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Roseadvocacy dot org and let's talk about it. A lot

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of great benefits for you out there helping the general

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community learning how to spot and avoid falling victim to scams.

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So today I'm going to talk about the anatomy of

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a scam. This is something that we created at Rose

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gosh two years ago. I think when we would go

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out and do our presentations, you know, we would try

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to talk about the probably the top five to seven

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scams that had a tendency to target the older adult population.

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And when we're done with the presentation, you know that

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same day, the next day, a couple days later, there's

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all these new scams out there. You know, they've either

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created new ones, or they've taken aspects from two different scams,

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three different scams, and put them together and come up

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with a whole new scam. And so we were always

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behind the eight ball trying to get this information, get

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this information out to people, to make everybody aware and educated.

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And so we created this Anatomy of a scam to say,

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how could we break scams down in general and have

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something that really applies to the majority, if not all,

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of the scams that are out there. So we talked

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about this early on when we first started the show.

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And I am going to share my screen to here

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we go. Let's see to pull up our Anatomy of

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a scam right here. So excuse me. So the first part,

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if you see here this initiating contact. Well, how that's

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the first step. So a scammer has to contact you

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somehow where when scams first started, you know, before or

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all the cell phones and all this online stuff, a

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lot of it, if not all of it came in

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the mail. They would send you letters in the mail.

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They're still doing that today, not as much. It's more

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costly than just finding people online. And with our cell

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phones here, which are really we call them mobile phone

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cell phones, but they're when they're connected to the internet,

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they are really mobile computers, and you have to treat

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them as such, which is why you should always have

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your good antivirus anti malware software on your phone as well,

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because if it's connected to the internet, it's just like

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a computer. And if you're going to protect your computer,

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your laptop, your iPad with a good antivirus anti malware

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software that is on and running twenty four to seven,

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you want to protect your phone as well. So that's

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a big way they they'll find you online. They if

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you're on social media, they can message you on social media.

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That happens a lot like with the romance scams. You know,

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they have all these fake profiles out there on social

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media and they start commenting on your post and immediately

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want to take it to a more secure, private, you know,

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messaging app, so it's more private just between the two

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of you, but they can also text you, they can

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email you, and yeah, you know they can call you.

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It happens a lot. There's a lot of phone scams,

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there's a lot of tech scams, there's a lot of

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email scams out there. So that's the first part, and

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we're really hoping that everyone can identify the scam at

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this first part, the initiating contact, and then they don't

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engage with a scammer, because once you engage, once you

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answer that phone, you reply to that text message, you

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reply to that email, you call a phone number that's

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on the email, that's in something you got in the mail,

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that's in a text message, you click on a link

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that's in there, that's engaging with the scammer, and it

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immediately goes into the second part, creating a compelling reason

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to act. And this is where the scammers are experts

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and they exploit your emotions. Now we list four of

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them here. Fear, need, isolation, greed. I don't really like

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the word greed, but it is what it is. They're

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going to get you into some sort of emotional state,

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and they know the more they can keep you in

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that emotional state than the more app they are to get.

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Number three here, which is when they request payment. A

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lot of times demand payment that they're more app to

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get what they want as long as you're in that

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emotional state, because I think we can all think back

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to times where we've made a decision on something based

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out of emotions, and then a couple hours later, a

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couple days later, whenever that timeframe is, you're in a

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rational state and you're thinking about that decision in that situation.

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A lot of times you'll go, oh, I would not

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have made that same decision if I was not in

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an emotional state, if I was in my rational state

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of mind. So scammers know this, and they're going to

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exploit your emotions all in an effort to get your money.

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And we've gone over some different ways. You know, they

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like crypto. When cryptocurrency first came out, it was anonymous

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and not so much anymore with new technology and a

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lot more resources, law enforcements able to figure out who

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those crypto wallets belonged to and trace and trace the

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money in the cryptocurrency, so it's not as anonymous, but

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they still use it because it's instant, and you know,

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at gas stations and shopping malls, there's these ATM machines

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and they're not ATM machines from a bank where you

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can go put your debit card in and get money out.

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They're cryptocurrency ATM machines, and yes, they might have a

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sign on them that says, you know, if anybody's forcing

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you to put money in here, don't do it, are you?

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Do?

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You know the person that you're sending this money to

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have you meant them you know, they might have a

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lot of warning signs on it. But the reality is

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when someone gets to the point that they are putting

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money in a cryptocurrency ATM machine, they're already fully in

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that emotional state and they're not even reading the warning signs,

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or if they look at them, they're not really understood.

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They're not really deciphering what that sign says. All they're

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doing is putting the money in all in a goal

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to you know, if they were if they were scared

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into thinking their grandchild's in trouble, or it's a love

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interest and it's a way to continue this love interest,

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or if they think they're winning this big prize and

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this is a way for them to pay taxes or

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fees a lot of different things. They're emotional and they're

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not reading those warning signs. That are there. Gift cards, Yes,

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they still use gift cards. They don't need you to

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send the gift card. They just need you to give

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them the information on the back of the gift cards,

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so the gift card number and then a lot of

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times you have to scratch off or peel off what

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the pin number is. That's all they need and then

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they have access to that gift card. Wire transfers, again,

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it's instant as to how they get the money. Sometimes

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with wire transfers it says it could take a day

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or it could take a couple of days, depending on

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how you set it up, but normally they're going to

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get you to send it immediately. And then there's these

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peer to peer payment apps, the venmo Zell's, PayPal, etc.

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Those are a convenience tool for you. A lot of

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people use them, like to send money to their kids

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or to a family member, is a gift, or to

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if they have someone dog sitting, they might pay their

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dog sitter that way, they might pay their babysitter that way,

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you know. And there are some people that I've come

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across that use them, that have a small company and

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they're selling a product and it's just convenient for them.

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You know, they might be before they ship the product

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because they're not actually meeting the person in person. They're

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they're shipping it to somebody that they just have those

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QR codes or links where somebody can go on and

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pay them via PayPal, Venmo or Zelle. So if you

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have those, we understand that it works for some people,

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but please have all of the privacy and security settings

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that is allowed on those apps. Have that all set up,

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have multifactory authentication set up, and make sure you know

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who you are sending the money to or who you

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are receiving the money from, because your information is then

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also in that person's Venmo or zell or PayPal, and

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if that person's platform gets the Venmo, PayPal or zell

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gets compromised, well then they might have some of your

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information and then they might be targeting you to try

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to get you to send money through those means as well.

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So urgency we have here in the center, the center

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button here. The majority of the scams are urgent. Right,

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It could really only take a couple hours between initiating contact,

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going through creating the compelling reason to act, and then

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you sending money to the scammer. There are some scams

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which the contact comes and this creating a compelling reason

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to act is really more of a grooming. They go

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through a grooming process which would kind of be in

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between initiating contact and creating a compelling reason to act.

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Like a romance scam. They don't come out of the

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gate on a romance scam asking for money. They're going

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through a grooming process per se to get you into

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their absolute trust. So you are only talking to them.

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You only believe what they say. Everything's private. It doesn't

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matter who's telling you that you know this person. While

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they might be a real person, because it might, you know,

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sometimes it can be artificial intelligence as well. But you know,

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even though it's a real person, they don't have your

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best interest at heart. This is not a love interest.

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They're just trying to scam you. The deeper you get

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into this absolute trust, the harder it is to break

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that absolute trust. And so then once the scammer really

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feels that they've got you in that absolute trust, they

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go right into the having that compelling reason to get

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you to send money. And then it's always urgent. The

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urgency is, you know, needing the money is always urgent.

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They need it right away, and then they always have

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multiple reasons and excuses as to why they need more

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money and more money and more money. So but then

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I wanted to show you some examples of some different

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scams that people have sent us that you can kind

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of We're going to walk through, Well, where's the contact,

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what's the compelling reason to act? And then you know,

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how do they, you know, want you to send money.

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So I'm going to pull up one of our advisory

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board members, doctor Martina Doves. She's been on the show before,

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Psychologists that is an expert in these frauds and scams

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and the psychology behind them. She had received this one.

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I think a lot of us have received these from

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you know, this is a Washington Department of Motor Vehicles,

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but we've a lot of people received them from Arizona

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or Nevada or California really, you know, from whatever state

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they live in, or if it's a if it's a

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toll fee, toll road fee, it could be from a

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different state, things like that. But this is one that

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she recently received, and so the contact. She didn't take

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a screenshot of the text, but this is the text

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that she received, and you know, final notice, So that

231
00:14:18.000 --> 00:14:21.799
gets kind of scary. And this is a Washington Department

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00:14:21.840 --> 00:14:26.639
of Motor Vehicles, a government agency is so an authority agency,

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right because we work with the Motor Vehicle Department when

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00:14:30.120 --> 00:14:32.440
we have a vehicle to get our driver's license. A

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lot of different things. Well, there's an enforcement penalties begin

236
00:14:35.960 --> 00:14:39.600
on June twenty fifth, and so they want you to

237
00:14:39.600 --> 00:14:43.679
pay by June twenty fourth, So there's that urgency to

238
00:14:43.759 --> 00:14:48.799
make this payment before penalties begin, and you have an

239
00:14:48.799 --> 00:14:52.639
outstanding traffic ticket, and so they actually then put some

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00:14:52.799 --> 00:14:56.480
administrative code in there. I have no clue if this

241
00:14:56.559 --> 00:14:59.679
is an actual code reference or if they're just making

242
00:14:59.759 --> 00:15:04.480
up these code numbers. But if you don't complete payment

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by June twenty fourth, we're going to take the following actions.

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00:15:07.759 --> 00:15:10.840
So you're going to go into a violation database. They're

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going to suspend your vehicle registration, suspend your driving privileges,

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transfer to a toll booth, and charge thirty five percent

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service fee, and you may be prosecuted and your credit

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score will be affected. So there's a lot of things

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00:15:27.559 --> 00:15:30.639
in here that can scare people. You may be prosecuted.

250
00:15:30.960 --> 00:15:33.919
Nobody wants to be prosecuted. And so that's that's something

251
00:15:33.960 --> 00:15:37.919
that could instill fear in you suspend driving privileges for

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00:15:38.000 --> 00:15:42.600
thirty days. A lot of us drive on a daily basis,

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00:15:42.759 --> 00:15:45.600
multiple times during the day, and that's part of our

254
00:15:45.639 --> 00:15:48.519
independence and we don't want to have that taken away

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from US vehicle registration. Even if they don't suspend driving privileges,

256
00:15:53.720 --> 00:15:57.039
if they suspend your vehicle registration and you're out driving,

257
00:15:57.440 --> 00:15:59.799
you know that's against the law. So again this is

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00:15:59.799 --> 00:16:04.039
all a fear based in here violations fear based and

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00:16:04.159 --> 00:16:07.639
here pay now, and then there was a link, and

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then here it is please pay immediately. So there's that

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00:16:12.000 --> 00:16:17.000
urgency before enforcement to avoid license suspension and further legal

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00:16:17.039 --> 00:16:20.440
disputes and so on this one in particular. You know,

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00:16:20.519 --> 00:16:23.080
sometimes you might actually get the link that you can

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00:16:23.080 --> 00:16:26.519
click on other times we've seen this a lot recently,

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00:16:26.600 --> 00:16:30.960
reply with a why for yes and then reopen the

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00:16:31.080 --> 00:16:35.159
message to click the link or copy it into your browser.

267
00:16:36.759 --> 00:16:38.720
So that's just a way they've changed it up. Instead

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00:16:38.720 --> 00:16:41.000
of actually putting the link there, they want you to

269
00:16:41.080 --> 00:16:45.720
reply with a why for yes. So this is one

270
00:16:45.759 --> 00:16:47.919
that's been going around and I think a lot of

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00:16:47.960 --> 00:16:50.759
people are getting it in a lot of different states.

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00:16:50.919 --> 00:16:58.600
But so the contact was text message or I it

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could have been an email as well. They can come

274
00:17:00.440 --> 00:17:06.519
in emails, text messages. And then the compelling reason to

275
00:17:06.559 --> 00:17:09.279
act that emotional state is they're getting you in that

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00:17:09.279 --> 00:17:14.680
state of fear, and they're coming from an authority position. Right.

277
00:17:14.799 --> 00:17:18.759
They have this administrative code the Department of Motor Vehicles.

278
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You must complete payment by a certain date or there's

279
00:17:23.880 --> 00:17:26.240
all these fear based tactics down here of things they

280
00:17:26.240 --> 00:17:28.799
could do if you don't pay by this date. And

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00:17:28.839 --> 00:17:32.279
then here's the urgency, please pay immediately. They want you

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00:17:32.359 --> 00:17:35.799
to click on the link, and we obviously she did

283
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obviously did not click on the link. But I'm sure

284
00:17:38.559 --> 00:17:40.559
when you go in there, it's going to want you

285
00:17:40.640 --> 00:17:43.400
to transfer the money. It's going to want you to

286
00:17:43.519 --> 00:17:48.640
use a Venmo, PayPal something like that, maybe even have

287
00:17:51.319 --> 00:17:54.960
you know, send cash here who knows, but ways that

288
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they can get money immediately. So that's one example. Let

289
00:18:00.880 --> 00:18:05.119
me pull up a few more here. So here's a

290
00:18:05.160 --> 00:18:08.839
medicare kit scam that was going around. This is a

291
00:18:08.880 --> 00:18:13.079
screenshot of what someone had sent us. You can see

292
00:18:13.079 --> 00:18:17.759
this picture of this kit here and it has CBS

293
00:18:17.759 --> 00:18:21.720
that it's coming from CBS is a reputable company and

294
00:18:21.960 --> 00:18:26.319
they are a big pharmacy. They are a big store national.

295
00:18:26.440 --> 00:18:31.799
They have locations in multiple areas in all different states,

296
00:18:32.200 --> 00:18:34.960
and so it's a big, well known company that a

297
00:18:35.079 --> 00:18:38.559
lot of people are already going to have accounts with,

298
00:18:38.759 --> 00:18:42.759
whether you have purchased something there and you've signed up

299
00:18:42.759 --> 00:18:46.160
for their rewards and so they have your email address

300
00:18:46.319 --> 00:18:50.400
with the rewards or you use them for your pharmacy

301
00:18:50.640 --> 00:18:54.480
and they have your contact information through the pharmacy. But

302
00:18:54.720 --> 00:18:58.200
here's one where you've been randomly selected to get one

303
00:18:58.240 --> 00:19:02.759
of these Medicare kits. And based on the picture, you know,

304
00:19:02.880 --> 00:19:06.079
this kit looks awesome, it looks like it probably costs

305
00:19:06.079 --> 00:19:08.440
a lot of money with the different things that are

306
00:19:08.440 --> 00:19:12.319
in there. But only four people were chosen for this

307
00:19:12.440 --> 00:19:16.000
special giveaway. So it's like, oh wow, you're excited. You're

308
00:19:16.039 --> 00:19:18.440
one of four people that are going to get this,

309
00:19:19.680 --> 00:19:23.119
and they want to express their gratitude for your continued support.

310
00:19:24.160 --> 00:19:26.640
So for people that get this and they are actually

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a customer of CBS, this is all the more believable

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to them because they are a customer, and especially if

313
00:19:33.440 --> 00:19:36.160
they are on Medicare and CBS is going to know

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that they're on Medicare if they're a customer of the pharmacy,

315
00:19:40.480 --> 00:19:43.079
because they're going to have their Medicare information. So again,

316
00:19:43.279 --> 00:19:49.720
all the more believable and large companies do sometimes you know,

317
00:19:49.799 --> 00:19:52.480
it's at their discretion, but sometimes they might send you

318
00:19:52.519 --> 00:19:56.160
a little gift just as a as a thank you. Right, So,

319
00:19:56.799 --> 00:20:01.400
getting little gifts from companies not you know, be out

320
00:20:01.400 --> 00:20:07.160
of the ordinary. I don't know if CBS sends gifts

321
00:20:07.160 --> 00:20:10.400
to their customers or not, but uh, they want you

322
00:20:10.480 --> 00:20:12.920
to click on this link confirm your gift. So right,

323
00:20:13.359 --> 00:20:18.960
so here they've sent you this email or text message

324
00:20:20.079 --> 00:20:24.400
and they get you excited that you're going to win

325
00:20:24.480 --> 00:20:27.240
this prize that you're like, I could really use this.

326
00:20:27.319 --> 00:20:31.079
You're excited, and that's the greed emotion. I'm not real

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00:20:31.240 --> 00:20:33.799
thrilled with the word greed, but it's all that you

328
00:20:33.839 --> 00:20:35.880
know that you're excited that you're going to get this

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00:20:36.079 --> 00:20:39.119
prize for free. It's going to have all this great

330
00:20:39.160 --> 00:20:41.160
stuff in it that I can use that I don't

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00:20:41.200 --> 00:20:43.279
have to go out and buy, so I can save

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00:20:43.359 --> 00:20:46.880
some money. And they actually give you a list of winners.

333
00:20:46.880 --> 00:20:51.640
Now we've blocked out the email addresses here. But look here,

334
00:20:51.720 --> 00:20:57.720
these are all Yahoo accounts, so you know you they've

335
00:20:57.759 --> 00:21:00.160
sent it to you, and you know this is going

336
00:21:00.200 --> 00:21:02.400
to have could have your address, it's going to have

337
00:21:02.480 --> 00:21:07.279
your email address right here that says not confirmed, and

338
00:21:07.319 --> 00:21:10.200
you're going to see, oh my gosh, these other three

339
00:21:10.400 --> 00:21:15.119
email addresses those people have confirmed and they're only giving

340
00:21:15.240 --> 00:21:17.720
four of them out. So if I don't do this

341
00:21:17.920 --> 00:21:23.440
right away, someone else might get my prize and it

342
00:21:23.519 --> 00:21:26.599
down here in red a big important winners who have

343
00:21:26.680 --> 00:21:29.480
not yet confirmed their email must do so within eight

344
00:21:29.559 --> 00:21:34.680
hours in order to not lose their gift. So here's

345
00:21:34.720 --> 00:21:38.720
that urgency down here. So again acting out of emotions,

346
00:21:38.720 --> 00:21:42.000
you're excited. This is a kit that you want. It's

347
00:21:42.039 --> 00:21:43.839
got things in there that you need. It's going to

348
00:21:43.920 --> 00:21:45.640
save you money. You don't have to go out and

349
00:21:45.680 --> 00:21:48.480
buy it. You might be more apt to confirm your

350
00:21:48.519 --> 00:21:52.799
gift here on this link right here. So and then

351
00:21:52.839 --> 00:21:56.599
that's going to take you to a malicious site. I'm

352
00:21:56.640 --> 00:21:59.440
guessing it's probably going to ask for credit card information

353
00:21:59.559 --> 00:22:02.319
because you're going to have to pay a small fee

354
00:22:02.480 --> 00:22:05.079
in order, maybe a shipping charge, in order to get

355
00:22:05.119 --> 00:22:07.720
it sent to you, and then your credit card is

356
00:22:07.720 --> 00:22:11.559
going to be compromised, and it very well could. Because

357
00:22:11.599 --> 00:22:14.640
it's a Medicare kit. It might ask you for your

358
00:22:14.680 --> 00:22:18.839
Medicare information, it could ask you for other personal sensitive

359
00:22:18.880 --> 00:22:23.119
information that Sometimes if you're still in you know, you're

360
00:22:23.119 --> 00:22:27.279
in that emotional state, you're not thinking rationally like why

361
00:22:27.319 --> 00:22:30.400
do they need that? Why do they need my Medicare information?

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00:22:30.480 --> 00:22:33.279
If this is CBS and it's the pharmacy, they have

363
00:22:33.359 --> 00:22:36.119
my information, why do they need that from me? Again,

364
00:22:36.440 --> 00:22:38.880
you might not be thinking those things, you know, like

365
00:22:38.920 --> 00:22:42.279
you normally would if you're in your rational state. So

366
00:22:42.319 --> 00:22:46.319
there's an example there. Here's the job techt. These ones

367
00:22:46.400 --> 00:22:49.839
have been going around like crazy lately. I am getting

368
00:22:49.880 --> 00:22:53.880
these probably three to four a week. Sometimes they show

369
00:22:54.039 --> 00:22:59.039
the name of a company, other times they don't. But

370
00:22:59.240 --> 00:23:02.000
this one in partwent you know you first look up

371
00:23:02.000 --> 00:23:05.960
here at this email address. This isn't even coming from

372
00:23:06.240 --> 00:23:13.079
a company's you know, website. So like I have Rose

373
00:23:13.400 --> 00:23:18.240
Resources outreached to safeguard the elderly owns the domain roseadvocacy

374
00:23:18.279 --> 00:23:22.400
dot org. Well that's where our email addresses are. It's

375
00:23:22.519 --> 00:23:28.240
Joyce Petrowski at Roseadvocacy dot org or Brian Watson who's

376
00:23:28.279 --> 00:23:32.440
been a guest host on here before, Brian Watson at

377
00:23:32.519 --> 00:23:36.000
Roseadvocacy dot org. I have one that says grants for

378
00:23:36.079 --> 00:23:40.000
the grant writer at Roseadvocacy dot org. Things like that.

379
00:23:40.160 --> 00:23:43.160
So this is iCloud dot com. So why would a

380
00:23:43.200 --> 00:23:45.759
company that would First of all, why are they sending

381
00:23:45.799 --> 00:23:49.480
text messages to want to hire you? Right? Why are

382
00:23:49.519 --> 00:23:52.559
they not reaching out in other means like hey, maybe

383
00:23:52.599 --> 00:23:55.839
a phone call or you know, they're they're putting information

384
00:23:56.000 --> 00:24:03.880
out through uh companies that help them find employees. So

385
00:24:04.000 --> 00:24:07.799
here position and you know, there's a lot of people

386
00:24:07.839 --> 00:24:10.200
these days, and there have been over the past year

387
00:24:10.720 --> 00:24:13.799
that these have been coming out that have been looking

388
00:24:13.839 --> 00:24:16.799
for work, whether they've been laid off or let go

389
00:24:17.279 --> 00:24:22.720
or you know, had to leave a job, company closed down, whatever,

390
00:24:23.839 --> 00:24:27.640
that are looking for work. And so they get this

391
00:24:27.759 --> 00:24:30.839
and they get excited, you know, data marketing okay, one

392
00:24:30.880 --> 00:24:35.359
hundred percent. Remote work Short term training courses are provided

393
00:24:35.400 --> 00:24:38.440
to help you get started quickly and understand customer needs.

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00:24:38.960 --> 00:24:44.440
Remote work can work from anywhere, work from home, you

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00:24:44.480 --> 00:24:47.000
can travel and work from wherever you're at. It says

396
00:24:47.039 --> 00:24:51.720

Scams Broken Down Into Three Parts - Anatomy of a Scam

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