Nov. 11, 2025

Sometimes it’s good to act like a sloth

Some of the best advice I have heard when it comes to acting deliberately is act like a sloth. This slow-moving animal doesn’t do anything in a hurry. If we can act like sloths, we can prevent most scams. We must control our fear and not panic. Remember that time in our friend.

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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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 in The information contained in this podcast is

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intended for informational purposes only and is not a substitute

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for individual professional legal advice. The podcast information was carefully

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compiled from vetted sources and references. However, Rose resources outreach

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to safeguard the elderly cannot guarantee that you will not

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

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the must listen show for anyone who wants to protect

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themselves and their loved ones from scams. Every Tuesday am

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Pacific time on K four HD Radio, Joyce Petrowski, founder

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of Rose, and her guests will provide valuable insights and

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practical tips on how to recognize and protect yourself from scams.

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And now here is your host, Joyce Petrowski.

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Good morning, everybody, My name is Brian Watson, community outreach

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specialist with Rose Resources Outreach to safeguard the elderly, and

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I have the privilege of sitting in Today in Joyce's

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chair next week as well. I appreciate the opportunity and

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thank you for tuning in. We are passionate about preventing

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people from getting scammed, and I tell everyone when I

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do my presentations, you need to have a scam prevention

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plan and it can entail a lot of different things,

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but the biggest thing is you have to just do something.

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And tuning into let's talk about scams, you're doing scam prevention,

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and then you can help others by telling them to

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watch our to listen and view our show. We want

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people to be protected. And for me, I get angry

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and frustrated when I hear about someone getting scammed. I'm

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not angry and frustrated at the victim. I feel a

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lot of empathy for them and understanding because I've met

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a lot of really, really smart people. But I get

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angry they're scammers trying to hurt us. So thank you

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for being part of the scam prevention process by watching today,

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and you know, please share with others. So today's topic

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is sometimes it's good to act like a sloth, and

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I'll explain where that came from. But I'm going to

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talk about a scary phone call that I received in

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September at about twelve forty five. It was on a

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Saturday night slash Sunday morning. Kept my cell phone right

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by my bedside and it rang and the caller ida

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on the phone said Wells Fargo Bank. And I knew

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it was a scam, but I picked it up because

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this is what I do for a part time job.

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And I answered the phone and it was a recorded

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message from Wells Fargo Fraud Prevention. I was able to

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save it and saved the file and I sent it

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in to our sound engineer here, our producer, and we

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are going to play it right now.

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Hello, this is Wells Fargo Fraud Prevention. We're calling to

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verify a recent transaction on your account. Did you authorize

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a purchase of two hundred and twenty seven dollars and

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forty nine cents at Best Buy on September seventh, twenty

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twenty five. If you recognize this charge, press one. If

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you do not recognize this charge, call us directly at

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one eight three three three two five one zero two three.

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That is one eight three three three two five one

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zero two three. Thank you for being a valued Wells

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Fargo customer.

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Wow, thank you one that that was great. We're able

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to do that. So let's talk about that recording. It

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was a female voice saying they were calling to verify

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a two hundred and twenty seven dollars charge at a

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well known big box store. If I recognized the charge,

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I was told to press one on my phone, and

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if I didn't make the purchase, I was instructed to

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call a number that they provided, and then did you

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notice at the very end the lady thanked me for

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being a valued customer. I thought it sounded really professional.

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I mean, this was a very executed, very well executed

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scam call, and I could see a lot of people

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falling for it. Now I knew it was a scam

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from the start, but I feel that I fear that

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many people that would have received that same call would

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have been fooled because when the scammers do this, they

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didn't just call me. They made the recording, and they're

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sending out thousands, if not millions, of these recordings to people,

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and they only have to be lucky every once in

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a while. Same thing with phishing emails, smishing texts. They

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sent them out by the thousands, and they just hope

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a few people fall for it. And you know, like

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I said, it sounded very professional, and the caller ID said,

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Wells Fargo Bank, that's called spoofing. The criminals can do

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that and it gives it more credibility. So at twelve

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forty five am, when I picked up my phone and

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it said Wells Fargo you instant. It gives it credibility

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and it get your mind thinking that it is actually legitimate.

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So I didn't call the number of the middle of night,

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I was tired. I went back to sleep. These scammers

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interrupted my night of sleep. Thank you scammers. But in

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the morning, I got a search engine on my computer

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and I typed in the phone number these scammers provided

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and I was able to confirm it was not Wells

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Fargo Bank. Other people had pointed out that it was

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a scam number, so out of curiosity, I tried calling

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the number that they provided and I got a busy signal.

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So I thought, well, I'll try again in twenty minutes

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or an hour later or later in the day, and

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I kept getting a busy signal, so either the phone

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line was tied up by potential victims calling the scammers back,

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or what a lot of scammers do is they'll only

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keep a phone number active for a short amount of

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time and then they'll close it, change it, forward it,

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doing whatever they do, because the biggest thing is they

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don't want to get caught and they don't want to

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get tracked down by law enforcement. But it's very easy

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for them to port numbers and move them around and

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just create all this obstacles for anyone trying to track

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them down. But what I thought was interesting about this

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case is most scammers actually call during the day, normal

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business hours, because that's when a bank security department would

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be opened. I don't know why these scammers tried this

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particular scheme in the middle of the night. I'm guessing

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maybe they're just calling from a foreign country and they

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got their time zones all messed up, or maybe it

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was part of their scheme to get people to panic.

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Because whenever our phone rings in the middle of the night,

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you know, the first thing we think of is, oh,

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I have a family member that needs me, someone sick,

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someone got in an accident, something bad happened. So instead

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of ignoring the phone call, we're probably more likely to

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answer a phone call in the middle of the night.

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So you know, that's part of the thing. They want

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people to panic and make a bad decision fall. This

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follows our anatomy of a scam that we like to

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show here at Rose contact out of the blue, in

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this case, a phone call the compelling reason to act

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potential fraudulent charge at your bank. And then if I had,

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if I had answered right away and called that number back,

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they would have done something. They would have either asked

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for my personal information, my passwords. They would have tried

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to refund my money. They may have asked for remote access.

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If they did remote access, they would probably try to

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overpay me or pretend they overpay me and then get

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me to pay them back via cryptocurrency. Again another show,

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another topic. But there's a myriad of ways that these

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scammers can get you. So the title of today's show

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was sometimes it's good to act like a sloth. So

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some of the best advice I've heard when it comes

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to acting deliberately is to act like a sloth. So

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I stole this from my friend Amy, who works at

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aarp in Arizona, and I end up doing a presentation

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and she joined me and she talked for a little

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bit as well and shared somewhat her advice, and I

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thought that was great advice. If you're not familiar with

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the sloth, the sloths live in the jungle of like

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Central and South America, and they live in trees, and

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they're very slow moving. They don't do anything in a hurry.

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In fact, there were some TV commercials a few years

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ago where there was a sloth working at the Department

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of Motor Vehicles and they're moving really slow and driving

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people crazy. But if we can act like sloths, we

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can prevent most scams. That scammers want us to rush

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and make a bad decision. But if we act deliberately,

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we can prevent most of these scams. We have to

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control our fear. We can't panic. Remember time is our friend.

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Criminals always want us to act urgent, urgently, rushed, make

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a bad decision, get that tunnel vision, and just do

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whatever they tell us. But we want, we want to have.

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Time is our friend. So always start with the assumption

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that all calls, emails, text messages, or anything on social

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media from someone you don't know is a scam. I

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don't like living that way, but that's just the reality

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we live in right now. Don't trust the caller ID

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on your phone because scammers, like we saw in this case,

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can make it say anything. The scammers in this particular

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instance made it say Wells Fargo Bank when it was

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not Wells Fargo Bank. We all need to have a

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healthy amount of skepticism. I'm not telling people to live

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in fear, but you have to be vigilant. It's not

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a matter of being scared, but it's just a matter

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of could this Ask yourself, could this be a scam?

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And if it is, I'm going to hang up the phone,

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or I'm not going to read that. I'm going to

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delete that email, or I'm going to delete that text,

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and I'm not going to respond right away. So let's say,

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in this case, you received this call and we'll basically

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call this a bank impersonation scam, hang up the phone,

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and if it happens to be your financial institution, Let's

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say you were a customer at Wells Fargo in this case,

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you can call the bank, but you need to call

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from a verified number. So what does that mean? Never

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use the number provided by the scammers, because you're gonna

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end up calling one of their call centers a verified number.

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The best thing to do pull out your wallet, pull

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out your ATM card, flip it over and on the

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back is the number for customer service, and you basically

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call them up, ask for the security department and say

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you got this call. And if someone had done this

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in this particular scheme, they would have said, no, everything

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looks legit. You can also go online and look and

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see if there's any charges to your bank account or

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to your credit card, but again log in through the

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link that you have saved on your computer. You can

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also contact your bank through bank statements, copy of the

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bank statements, that's a legitimate number, and you can also

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do it from the bank's website, but just make sure

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you have the official website of the bank. So this

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bone scam, the reason why it works is because responsible

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adults pay their bills on time, and responsible adults respond

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when they see a charge that's not accurate. And that's

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when I found out it's like law abiding citizens who

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are financially responsible are the ones that fall for these

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types of scams. So you need to resist the urge

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to act in a hurry. You just take your time

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and if you control your emotions, you will not be

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a victim. And the last two pieces of advice I

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want to share is take a break. Anytime you feel

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like you're being rushed or you're being scared, or someone's

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telling you some bad news, like you the money at

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your bank is in trouble. Take a break. So that

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hanging up the phone, turning off your computer, going for

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a walk, go out to dinner, sleep on it, go

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to bed can always it's just a little bit of money,

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like two hundred and twenty seven dollars, We're not going

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to panic over to twenty seven. And then phone a friend.

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Everyone here everyone needs a phone a friend. And in

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my case, like my parents know they can call me

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anytime if they have a question about their money, email, texting.

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It's just good to have a second opinion. And that's

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part about taking a break. You're getting away from the situation.

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My phone a friend when it comes to technology stuff

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is my son. He's a computer whiz and he could

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walk me through anything and get me straightened out. And

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then let's say you don't have a phone a friend

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for some reason, you can call your local police department.

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I've talked to enough of detectives that'll have told me

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they'd rather spend ten minutes on the front end of

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a scheme stopping it, then trying to track down the

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money and writing reports and interviewing people on the back

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end and seeing the carnage of someone losing lots of money.

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So take a break, phone a friend. It's the advice

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that Joyce and I give all the time when we're

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out interacting with the public. All right, last thing we

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asked for for scam prevention, Please please please sign up

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for our monthly email at Rose. You go to Rosadvocacy

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dot org. Right on the bottom of the front page,

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you can sign up for our monthly newsletter. It's free.

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All we need is your name and your email address.

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If you like it, share with your friends and tell

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them to sign up. If you don't like it, you

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can unsubscribe and we won't have our feelings hurt. But

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guarantee I know you'll find this information valuable. It's worth

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reading every month just to stay up to date and

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scam prevention, just to have that in the back of

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your mind, being ready. So when you get that call,

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when you get that email. When you get that text message,

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you know how to react. You've mentally practiced what to do.

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And trust me, this small amount of time you spend

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will save you lots of money and stress and the

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fear and anxiety of being scammed. And that's all I

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have today. Appreciate everyone tuning in. Please share this with

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your friends, someone that you know that could use this information,

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and I will be back next week with some more

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valuable information. Thank you for tuning in too. Let's talk

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about scams.

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Well that's all the knowledge for this episode. JUNI in

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every Tuesday at eight am Pacific time on KFOURHD Radio

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at KFOURHD dot com as Joyce explores of aroaty of knowledge.

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So you have the power to make scam protection your

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healthy habit and until then, feel free to reach out

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to Joyce and let's talk about scams.