July 1, 2025

Scams Broken Down Into Three Parts - Anatomy of a Scam

Scams Broken Down Into Three Parts - Anatomy of a Scam
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Season 1

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.

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, 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,

223
00:13:47.399 --> 00:13:50.200
but we've a lot of people received them from Arizona

224
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or Nevada or California really, you know, from whatever state

225
00:13:56.279 --> 00:13:58.240
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

227
00:14:01.759 --> 00:14:04.000
different state, things like that. But this is one that

228
00:14:04.039 --> 00:14:08.720
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

230
00:14:11.159 --> 00:14:17.799
that she received, and you know, final notice, So that

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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,

233
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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

235
00:14:32.440 --> 00:14:35.879
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

240
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

243
00:15:04.519 --> 00:15:07.120
by June twenty fourth, we're going to take the following actions.

244
00:15:07.759 --> 00:15:10.840
So you're going to go into a violation database. They're

245
00:15:10.840 --> 00:15:15.159
going to suspend your vehicle registration, suspend your driving privileges,

246
00:15:15.919 --> 00:15:19.360
transfer to a toll booth, and charge thirty five percent

247
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service fee, and you may be prosecuted and your credit

248
00:15:24.559 --> 00:15:27.559
score will be affected. So there's a lot of things

249
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

252
00:15:38.000 --> 00:15:42.600
thirty days. A lot of us drive on a daily basis,

253
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

255
00:15:49.639 --> 00:15:53.679
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

258
00:15:59.799 --> 00:16:04.039
all a fear based in here violations fear based and

259
00:16:04.159 --> 00:16:07.639
here pay now, and then there was a link, and

260
00:16:07.679 --> 00:16:11.799
then here it is please pay immediately. So there's that

261
00:16:12.000 --> 00:16:17.000
urgency before enforcement to avoid license suspension and further legal

262
00:16:17.039 --> 00:16:20.440
disputes and so on this one in particular. You know,

263
00:16:20.519 --> 00:16:23.080
sometimes you might actually get the link that you can

264
00:16:23.080 --> 00:16:26.519
click on other times we've seen this a lot recently,

265
00:16:26.600 --> 00:16:30.960
reply with a why for yes and then reopen the

266
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

268
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

271
00:16:47.960 --> 00:16:50.759
people are getting it in a lot of different states.

272
00:16:50.919 --> 00:16:58.600
But so the contact was text message or I it

273
00:16:58.600 --> 00:17:00.399
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

276
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
00:17:20.240 --> 00:17:23.839
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

281
00:17:28.839 --> 00:17:32.279
then here's the urgency, please pay immediately. They want you

282
00:17:32.359 --> 00:17:35.799
to click on the link, and we obviously she did

283
00:17:35.880 --> 00:17:38.519
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
00:17:55.000 --> 00:18:00.880
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

311
00:19:26.720 --> 00:19:29.480
a customer of CBS, this is all the more believable

312
00:19:29.720 --> 00:19:33.400
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

314
00:19:36.759 --> 00:19:40.319
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

327
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

329
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

331
00:20:41.200 --> 00:20:43.279
have to go out and buy, so I can save

332
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?

362
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.

394
00:24:38.960 --> 00:24:44.440
Remote work can work from anywhere, work from home, you

395
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
work from anywhere. So basic salary eight hundred dollars per week,

397
00:24:52.960 --> 00:24:57.079
sixty to one hundred and eighty dollars per hour, sixty

398
00:24:57.119 --> 00:24:59.640
dollars per hour. If you figure that out, eight hundred

399
00:24:59.680 --> 00:25:02.880
dollars per per week, you're only working like maybe twelve

400
00:25:02.920 --> 00:25:06.440
to fourteen hours a week. That is really part time.

401
00:25:07.599 --> 00:25:09.559
If you're making one hundred and eighty dollars per hour,

402
00:25:10.039 --> 00:25:16.759
you might be working four hours per week. And for

403
00:25:16.839 --> 00:25:19.880
working four to maybe fourteen hours a week, they're going

404
00:25:19.960 --> 00:25:23.000
to give you benefits. So they want you to be

405
00:25:23.039 --> 00:25:25.440
age twenty five and above, but they're going to give

406
00:25:25.480 --> 00:25:29.240
you health insurance, four to one K, paid vacation, and

407
00:25:29.359 --> 00:25:33.880
other benefits for working four to fourteen hours a week.

408
00:25:34.799 --> 00:25:38.119
That is just to remember that old adage. If it

409
00:25:38.319 --> 00:25:42.119
sounds too good to be true, it probably is. This

410
00:25:42.200 --> 00:25:44.319
is right here is too good to be true. We

411
00:25:44.400 --> 00:25:47.799
currently have twenty eight vacancies, so they have a lot

412
00:25:47.839 --> 00:25:52.000
of openings. So maybe you you know vacancies. You don't

413
00:25:52.039 --> 00:25:55.119
know if they're all in one one department marketing department

414
00:25:55.240 --> 00:25:57.640
or are they in these other departments you don't know.

415
00:25:58.440 --> 00:26:00.440
And they look forward to working with you to create

416
00:26:00.480 --> 00:26:03.680
the future. So send a text message here to this number,

417
00:26:05.640 --> 00:26:09.039
and I don't know what area code two six is,

418
00:26:09.079 --> 00:26:10.720
but you can look it up if you're interested in

419
00:26:10.759 --> 00:26:15.039
looking it up. So there's a lot of information here

420
00:26:15.559 --> 00:26:18.599
that gets you into an emotional state, especially if you

421
00:26:18.640 --> 00:26:21.640
are someone who is looking for a job that doesn't

422
00:26:21.640 --> 00:26:25.960
currently have one, and you are going to get excited

423
00:26:25.960 --> 00:26:27.720
that you're going to make all this money for only

424
00:26:27.759 --> 00:26:32.880
working four hours to fourteen hours, that you're not thinking rationally, well,

425
00:26:32.880 --> 00:26:35.799
this doesn't make sense. How am I going to get

426
00:26:35.839 --> 00:26:38.880
health insurance for a one K paid vacation and other

427
00:26:38.920 --> 00:26:41.400
benefits if I'm only working four hours a week. If

428
00:26:41.400 --> 00:26:44.559
I'm only working fourteen hours a week, that just sounds

429
00:26:44.599 --> 00:26:47.559
too good to be true. Right, They're going to pay

430
00:26:47.559 --> 00:26:49.799
you for vacation, but yet you're only working four to

431
00:26:49.839 --> 00:26:52.000
fourteen hours a week, it seems like every week you're

432
00:26:52.039 --> 00:26:56.799
getting vacation. So there's just a lot of you know,

433
00:26:56.880 --> 00:26:58.839
red flags in here. But again, if you're in that

434
00:26:58.880 --> 00:27:01.680
emotional state where you're you're all excited that, oh my gosh,

435
00:27:01.680 --> 00:27:03.559
this is the perfect job. I don't have to worry

436
00:27:03.559 --> 00:27:07.160
about commuting someplace. I don't you know, I can work

437
00:27:07.160 --> 00:27:11.599
from home. I can you know, have more time in

438
00:27:11.640 --> 00:27:13.480
my schedule because I don't have the commute, just a

439
00:27:13.480 --> 00:27:16.759
bunch of different things. You're excited, you're not really thinking

440
00:27:16.880 --> 00:27:19.759
through exactly what they're saying in here, and you're going

441
00:27:19.839 --> 00:27:22.160
to be apt to send a text message here to

442
00:27:22.200 --> 00:27:25.880
get more information. But then you're engaging with the scammer.

443
00:27:26.000 --> 00:27:29.039
And again we the person that sent this to us,

444
00:27:29.119 --> 00:27:31.839
they did not respond to the text. We're not responding

445
00:27:31.880 --> 00:27:35.480
to the text. But they're most likely on these job scams.

446
00:27:35.559 --> 00:27:39.319
They want you to They give you some reason, and

447
00:27:39.839 --> 00:27:42.319
if you're still in that emotional state, you're you know,

448
00:27:42.359 --> 00:27:45.920
it's a believable reason to have to pay money over

449
00:27:46.440 --> 00:27:48.240
in order to get a bunch of things that you

450
00:27:48.319 --> 00:27:50.400
need for your job, or the promise that you're going

451
00:27:50.440 --> 00:27:53.799
to get reimbursed if you go out and buy this stuff,

452
00:27:53.920 --> 00:27:58.359
or they're going to send you a check to cover

453
00:27:58.440 --> 00:28:00.720
the cost, but they're going to send they send you

454
00:28:00.759 --> 00:28:02.839
extra money, and then they want you to send the

455
00:28:02.880 --> 00:28:06.359
difference back and come to find out a couple days later,

456
00:28:06.440 --> 00:28:08.440
you find out you never had the money to begin with.

457
00:28:08.519 --> 00:28:10.359
There's just a lot of different things that they can

458
00:28:10.400 --> 00:28:13.839
do here, so the best things to do here. You know,

459
00:28:14.200 --> 00:28:16.880
it's a fake email address. It doesn't even have a

460
00:28:16.880 --> 00:28:19.960
company's name here, just down here, report junk and then

461
00:28:20.000 --> 00:28:23.480
delete it. And if you're looking for a job, you

462
00:28:23.519 --> 00:28:26.039
know you can look in. There's a lot of different

463
00:28:26.720 --> 00:28:31.599
online searches I think indeed is one, Zip Recruiters another.

464
00:28:31.680 --> 00:28:34.839
They have a bunch of different online companies where you

465
00:28:34.920 --> 00:28:38.359
can upload and your resume and all of that stuff

466
00:28:38.440 --> 00:28:40.799
and put the details in as to what type of

467
00:28:40.880 --> 00:28:43.400
job you're looking for, and it matches you up with

468
00:28:43.480 --> 00:28:48.400
these companies. So just use online reputable or other in

469
00:28:48.440 --> 00:28:52.559
person reputable sources when you're trying to find a job.

470
00:28:53.640 --> 00:28:56.559
Let's see the last one I have here is some

471
00:28:56.640 --> 00:29:01.839
sample phishing techs. This is toll fees. I think just

472
00:29:01.880 --> 00:29:06.440
about everybody has received these. Just know if you get

473
00:29:06.480 --> 00:29:09.960
one that says you owe a toll in Arizona, it's

474
00:29:10.000 --> 00:29:13.160
automatically a scam. There are no toll roads in the

475
00:29:13.200 --> 00:29:16.799
state of Arizona. I don't know about other states, but

476
00:29:16.880 --> 00:29:19.400
you could always just do a quick Google search and

477
00:29:19.640 --> 00:29:24.200
find out if whatever particular state has toll roads, and

478
00:29:24.240 --> 00:29:28.200
then you could always find the toll road authority and

479
00:29:28.599 --> 00:29:31.319
contact them directly for that state to find out if

480
00:29:31.359 --> 00:29:35.400
you have an actual open toll Because you maybe have

481
00:29:35.519 --> 00:29:39.079
visited that state recently and didn't know if don't remember

482
00:29:39.119 --> 00:29:41.079
if you actually were on a toll road or not.

483
00:29:42.400 --> 00:29:44.519
But you know, they send this first one out here,

484
00:29:44.960 --> 00:29:48.480
you know, fast track laying toll on November twenty fourth,

485
00:29:48.960 --> 00:29:53.039
again avoid penalties to ensure you get your driver's license.

486
00:29:53.079 --> 00:29:55.680
So they're here trying to scare you that if you

487
00:29:55.720 --> 00:29:58.440
don't pay this, you're not going to be able to

488
00:29:58.480 --> 00:30:01.799
renew your driver's license, or that your driver's license might

489
00:30:01.839 --> 00:30:06.160
be suspended. Here they have the link you can pay again.

490
00:30:06.279 --> 00:30:09.119
They say reply why for yes, and then get back

491
00:30:09.160 --> 00:30:12.599
into the text message to activate the link. Or you

492
00:30:12.640 --> 00:30:16.319
can copy it into this specifically says a Safari browser

493
00:30:17.319 --> 00:30:20.279
and open it. And then they come over here, and

494
00:30:20.319 --> 00:30:24.880
it's now December seventh. You get another one. Excessive late fees,

495
00:30:25.680 --> 00:30:28.960
potential legal actions. So they've stepped up their game to

496
00:30:29.079 --> 00:30:34.039
scare you even more. You know, you look here and now, yes,

497
00:30:34.519 --> 00:30:38.720
thetoll roads dot Com over here. It was the toll

498
00:30:38.839 --> 00:30:42.000
roads dot blog slash pay and now it has this

499
00:30:42.480 --> 00:30:47.039
bunch of numbers and letters here and it has a

500
00:30:47.039 --> 00:30:50.519
slash mark and then us. I think that's kind of

501
00:30:50.640 --> 00:30:54.359
to lead you that this might be a government authority,

502
00:30:54.400 --> 00:30:57.480
but those are dot gov if they're a government, same

503
00:30:57.519 --> 00:31:00.640
thing here reply why, and then the same exact message

504
00:31:00.720 --> 00:31:04.319
comes over down here, but they've changed the date. They're

505
00:31:04.359 --> 00:31:07.880
giving you another chance, but again to potential legal action.

506
00:31:08.359 --> 00:31:10.599
This is where they're upping their game to scare you.

507
00:31:11.039 --> 00:31:13.960
And you know, a lot of us older adults, we

508
00:31:14.000 --> 00:31:16.759
pay our bills on time, and we take pride that

509
00:31:16.880 --> 00:31:20.599
we don't leave you know, we don't have all these

510
00:31:20.680 --> 00:31:25.559
late fees and that these companies were not constantly paying

511
00:31:25.599 --> 00:31:28.720
our bills late. We take pride in paying our bills

512
00:31:28.759 --> 00:31:33.200
on time. And so older adults might have more of

513
00:31:33.240 --> 00:31:37.319
a tendency to get into this emotional state because they

514
00:31:37.319 --> 00:31:40.319
don't want to not pay their bills, and without thinking,

515
00:31:40.359 --> 00:31:42.880
they just might click on the link and pay it. Again,

516
00:31:42.960 --> 00:31:45.519
your credit card is going to be compromised, and then

517
00:31:46.000 --> 00:31:49.000
they very well could ask for some personal information that

518
00:31:49.039 --> 00:31:51.240
you might not be thinking of. Well, why do they

519
00:31:51.279 --> 00:31:54.640
need this? This doesn't make any sense. So again this

520
00:31:54.799 --> 00:31:59.319
was a text message. They're trying to scare you, and

521
00:31:59.440 --> 00:32:02.960
then you know immediately you need to pay immediately to

522
00:32:03.039 --> 00:32:07.119
avoid further action. And then these last two especially legal action.

523
00:32:07.559 --> 00:32:10.720
So again it's a way to scare. Here's the anatomy

524
00:32:10.720 --> 00:32:14.160
of a scam. Again. This is something that we give

525
00:32:14.160 --> 00:32:16.519
out in our presentations that we give and we go

526
00:32:16.640 --> 00:32:20.359
over it, and we actually do relate this to a

527
00:32:20.359 --> 00:32:24.480
few different scams, like a grandparent scam, a romance scam,

528
00:32:24.559 --> 00:32:26.599
we might do some investment scam. So we do in

529
00:32:26.640 --> 00:32:30.440
our presentations talk about specific scams and then you know,

530
00:32:30.480 --> 00:32:34.559
people have questions about specific like maybe phone calls or

531
00:32:34.599 --> 00:32:40.359
text messages, things like that. So I'm going to stop sharing.

532
00:32:40.920 --> 00:32:45.119
So just know that the contact can come in a

533
00:32:45.119 --> 00:32:48.799
wide variety of ways. If you are connected online, that

534
00:32:48.920 --> 00:32:52.559
just opens up the doors on how many ways that

535
00:32:52.599 --> 00:32:57.119
you can be contacted. And just always take a pause

536
00:32:57.799 --> 00:33:01.359
before you act on anything. Just take you know, you

537
00:33:01.400 --> 00:33:05.119
get the email, the text message, even a phone call. Right.

538
00:33:06.039 --> 00:33:10.039
Don't be afraid, as Brian said in I Think it

539
00:33:10.079 --> 00:33:14.480
was last week's show, don't be afraid to hang up

540
00:33:16.000 --> 00:33:17.680
if you know it's a scammer. Don't be afraid to

541
00:33:17.680 --> 00:33:19.680
hang up. If you're not sure who it is and

542
00:33:19.720 --> 00:33:21.799
you think it might be a scammer, don't be afraid

543
00:33:21.799 --> 00:33:25.920
to hang up. Just hang up, and then you know

544
00:33:26.359 --> 00:33:28.319
the toll roads, right, they're going to send you a

545
00:33:28.400 --> 00:33:30.480
notice in the mail and then you can look at

546
00:33:30.559 --> 00:33:34.160
it and do your research on if it's actually a

547
00:33:34.240 --> 00:33:39.359
valid notice that you were on that toll road on

548
00:33:39.799 --> 00:33:43.599
that specific day. But that's your way to do your

549
00:33:43.640 --> 00:33:51.599
research and verify that it is actually legitimate. So anyways,

550
00:33:52.200 --> 00:33:55.319
the anatomy of a scam, I believe we have it

551
00:33:56.720 --> 00:33:59.799
on the website. I know we used to, but we

552
00:33:59.880 --> 00:34:03.480
just changed a lot of the website and I believe

553
00:34:03.519 --> 00:34:08.199
it's on there that people can download under the the

554
00:34:08.280 --> 00:34:15.239
resources or maybe the scams tab where you can download that.

555
00:34:15.440 --> 00:34:18.000
But like I said, if you book us to come

556
00:34:18.039 --> 00:34:21.199
out and do these presentations, this is something that we

557
00:34:21.280 --> 00:34:24.880
do give out during the presentations in our resource packet.

558
00:34:24.920 --> 00:34:27.880
We have a twenty page resource packet where we talk

559
00:34:27.920 --> 00:34:31.239
about a lot of different ways that you can protect yourself.

560
00:34:32.280 --> 00:34:34.280
One of the great things is that you know, this

561
00:34:34.400 --> 00:34:37.000
is not a one size fits all resource packet where

562
00:34:37.000 --> 00:34:39.280
we say you have to do every single thing that's

563
00:34:39.280 --> 00:34:43.880
in there. It can't be because everybody's personal situation is different.

564
00:34:44.400 --> 00:34:47.719
So what might work for one person all of them

565
00:34:47.800 --> 00:34:51.039
might not work for another person because everybody's personal situation

566
00:34:51.159 --> 00:34:54.000
is different. But it gives you options of different things

567
00:34:54.079 --> 00:34:56.519
that you can put into place to help protect yourself

568
00:34:56.519 --> 00:34:59.599
and then get you more knowledgeable about how scams work.

569
00:34:59.639 --> 00:35:03.280
You take that resource pack at home, hang that anatomy

570
00:35:03.320 --> 00:35:06.119
of a scam up someplace where you're looking at it

571
00:35:06.159 --> 00:35:10.320
on you know that it's a reminder right and on

572
00:35:10.360 --> 00:35:13.800
our email we do the email newsletters monthly, but every

573
00:35:13.840 --> 00:35:17.920
Tuesday morning we do what's called a Tuesday Tip. It

574
00:35:18.000 --> 00:35:20.079
comes out at nine point fifteen, so I'm just looking

575
00:35:20.119 --> 00:35:21.920
at the time now. This week's is going to come

576
00:35:21.920 --> 00:35:25.159
out in about forty minutes and it's just a quick tip.

577
00:35:25.760 --> 00:35:27.920
And the nice thing about it is, even if it's

578
00:35:27.960 --> 00:35:33.760
a tip you already knew about, it's a reminder about scams.

579
00:35:33.800 --> 00:35:37.800
So you keep your scam prevention top of mind. So

580
00:35:37.840 --> 00:35:40.559
the next time you're contacted, you are going to be

581
00:35:40.599 --> 00:35:43.320
more apt to have a scam in the back of

582
00:35:43.360 --> 00:35:46.239
your mind to where then you're going to take a

583
00:35:46.280 --> 00:35:48.679
pause and you're going to say, Okay, I don't need

584
00:35:48.719 --> 00:35:50.519
to act on this right now. I'm going to come

585
00:35:50.599 --> 00:35:52.719
back and look at it later. I'm going to go

586
00:35:52.760 --> 00:35:55.320
talk to my trusted person and see what they think

587
00:35:55.360 --> 00:36:00.119
about it. So you're not acting right away, you're taking

588
00:36:00.119 --> 00:36:03.719
a pause, you're thinking about it, you're talking to someone

589
00:36:04.039 --> 00:36:08.000
and you're going to verify the situation going and finding

590
00:36:08.039 --> 00:36:12.239
out if this is actually legitimate or not. So we

591
00:36:12.280 --> 00:36:15.880
all want everybody to be scam aware and have that

592
00:36:15.960 --> 00:36:19.599
scam avoidance and have that healthy skepticism, so don't forget

593
00:36:19.599 --> 00:36:22.440
to check out our website at Rosadvocacy dot org for

594
00:36:22.480 --> 00:36:25.960
a lot more resources, and sign up for our newsletters

595
00:36:26.079 --> 00:36:28.039
down at the bottom of the homepage. You can sign

596
00:36:28.119 --> 00:36:30.599
up for the emailed one or the mailed one, or

597
00:36:30.639 --> 00:36:33.360
sign up for both. Our social media links are up

598
00:36:33.400 --> 00:36:38.840
there Facebook, LinkedIn and Instagram and also YouTube. All of

599
00:36:38.880 --> 00:36:42.760
these episodes are on our YouTube channel and the shorts

600
00:36:42.800 --> 00:36:45.559
and reels are on there as well, so go ahead

601
00:36:45.800 --> 00:36:48.639
and subscribe to that YouTube channel so you'll always get

602
00:36:48.639 --> 00:36:52.079
the notifications of when these come out. And don't forget.

603
00:36:52.800 --> 00:36:56.360
This is a great sponsorship opportunity to sponsor our radio

604
00:36:56.400 --> 00:36:59.760
show program to keep it going, to keep getting this

605
00:36:59.800 --> 00:37:02.920
information out to people, and you could be at the

606
00:37:02.960 --> 00:37:06.840
forefront with the other companies in your industry to say, hey,

607
00:37:07.000 --> 00:37:10.719
I'm sponsoring this program because I want to help protect

608
00:37:10.800 --> 00:37:13.000
the people in my community. I want to make sure

609
00:37:13.039 --> 00:37:15.760
this stays out there and more people can have this

610
00:37:15.880 --> 00:37:19.440
information because we are on board with we don't want

611
00:37:19.480 --> 00:37:22.599
anybody to fall victim to scams, and so this education

612
00:37:22.920 --> 00:37:27.440
is crucial one, the education on knowing to recognize a

613
00:37:27.519 --> 00:37:30.639
scam and then knowing how to protect yourself and avoid

614
00:37:30.760 --> 00:37:35.000
falling victim. So thank you, And next week, for the

615
00:37:35.000 --> 00:37:37.239
next few weeks, you are going to see Brian Watson.

616
00:37:37.519 --> 00:37:40.480
He's got some great topics coming up that he's going

617
00:37:40.559 --> 00:37:43.039
to discuss with you, So put it on your calendar

618
00:37:43.079 --> 00:37:45.840
and don't forget to tune in next Tuesday morning. Thank you.

619
00:37:47.599 --> 00:37:50.719
Well, that's all the knowledge for this episode. Tune in

620
00:37:50.800 --> 00:37:54.880
every Tuesday at eight am Pacific time on KFOURHD Radio

621
00:37:55.039 --> 00:37:59.599
at KFOURHD dot com as Joyce explores a variety of knowledge.

622
00:38:00.159 --> 00:38:03.840
You have the power to make scam protection your healthy

623
00:38:03.880 --> 00:38:07.239
habit and until then, feel free to reach out to

624
00:38:07.320 --> 00:38:09.719
Joyce and let's talk about scams.