May 6, 2025

“We’re Not Dealing with Your Father’s Scammers Anymore”

Show Notes
Transcript

Scams have changed so much over the past 20 years. Scammers are no longer lone wolves, but part of organized criminal gangs that will take everything you have. They are truly ruthless financial predators.

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. 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 at 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. I am

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with Rose Resources Outreach to safeguard the elderly, and I

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have the pleasure for filling in for Joyce Petrowski today.

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Today's episode is called We're Not Dealing with your Father's

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Scammers Anymore, and I'm going to give you a perspective

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of what I've seen over the last twenty or so

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years in the scam prevention world. I love working part

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time for Rose. We have a great team, starting with Joyce.

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She's very passionate about preventing everyone from getting scammed, and

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our focus is on older adults. And then we also

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have an amazing board of directors and an advisory committee

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and everybody is very passionate about preventing people from getting scammed.

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So today I'm going to fill in and share just

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like you said, Like I said, some of the things

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that I've seen over the years. So I do a

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lot of presentations for Roads. I've done over seventy presentations,

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and you know, scam prevention is a very heavy topic,

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so I try to put a little levity in my presentations.

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You know, I let people know it's okay to laugh

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a little bit because it's a heavy topic. We talk

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about people losing their life savings and it's tragic, but

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we want to have a little bit of humor just

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to lighten the mood. So I always show a picture

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of me from two thousand and four. It was a

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picture from a small town newspaper in California. I was

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an IRS special agent at the time, and I did

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a presentation to a group of four hundred people. It's

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hard to believe four hundred people came to listen to

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my presentation, but I did my very best to tell

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them what I was seeing from a federal law enforcement perspective.

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So two thousand and four, did this presentation, and my

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mom clipped the article. You know, that's what moms do.

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They clipped newspaper articles. And I actually have right here

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on my wall a picture. I actually have that article

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and it's a picture of me from two thousand and four.

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And the best part is I had no gray hair,

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and that always gets a laugh from my older adult audience.

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And the article talked about what I talked about in

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my presentation, and there were three things kind of that

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stuck out. One was identity theft. Is identity theft still

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a problem? Absolutely, it always will be. I talked about

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the Nigerian email scams, you know the prints. It says

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they have some money or someone that's trying to is

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holding money from some corrupt government agency and they want

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to give you a little bit. And then actually talked

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about phishing as well, basically fake emails trying to trick

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you into providing personal information. So those three scams have

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stood the test of time. They've been around for twenty

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plus years. But when I look back at that presentation

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from twenty years ago, things were so much simpler. Back then.

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These scammers were not very organized, and in fact, they

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weren't that good. A lot of times you could spot

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the typos, weird airs, they there were too many clues.

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But let's fast forward to twenty twenty five. The scammers

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we're dealing with right now are organized. A lot of

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them are part of organized criminal game. They're well funded.

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They use scripts, meaning they read, they're like actors. They

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have little pieces of paper in front of them, or

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they have an app on their phone where they you know,

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if the potential victim says this, then you say that,

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and it's just not a fair fight. That's why I

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titled this We're not dealing with your father's scammers anymore.

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They're at the next level. If you get into the

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ring with these folks, it is not fair. And I

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guess the best way to describe who we're dealing with

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right now is these scammers are ruthless financial predators. And

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I don't use that term lightly when I say predator.

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They you know, they're not going to physically kill you,

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but they will not stop until they have every penny

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that they can get from you. And they just don't care.

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You know, a lot of these scam are coming from

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other parts of the world, and they look at US

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Americans as you know, rich, lazy people sitting around doing nothing,

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you know, and they they don't care that they're taking

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everyone's life savings. And if you watched last week, you

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learn the numbers are really scary. The FBI's Elder Fraud

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Report for twenty twenty four was released and Choice shared

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those numbers. It's only getting worse. So we're here today

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to toughen you up, to give you some information, let

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you know what's out there, and you know, we don't

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want anyone to get scammed. So the other thing looking

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back at twenty years, so let's go back to two

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thousand and four, we didn't have these things. We did

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not have cell phones, you know, or smartphones. At least

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there were cell phones out but basically can make phone

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calls and do some really low level tech. But now

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we all carry smartphones in our pockets or on our

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purse or on our wrist, and basically these are portals

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to all of our financial information and there's a trade off.

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You know, we can get everything we want right here,

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but we have to be careful because now everywhere we go,

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someone could be sending us a phishing email or sending

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us doing smishing, sending something versus via text message. And

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then nowadays there's so many more ways that criminals can

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get money from us. We have cryptocurrencies, bitcoin and other cryptos,

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We have zel, we have PayPal, we have wire transfers

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that are really easy, and the prepaid cards, so the

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criminals have much more options, and a lot of times

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they want to use a method that we're not used

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to me personally, I don't own any cryptocurrency, but they

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might convince us that you need to pay that jury

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failure to show up for jury duty via a bitcoin

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ATM and a lot of people are like, I haven't

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never done that. I'm not familiar with that, so they

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take advantage of that uncertainty. And then fast forward twenty

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years to twenty twenty five. Everything now requires a username

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and a password everything. I mean, there's very few things

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you can do now just on paper anymore, and that's tough.

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So we have an aging population that did not grow

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up with technology combined with everything requires technology, and it's

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absolutely a perfect situation for the criminals. Just to give

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you an example, my mom recently moved to Arizona, and

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we had to change all her accounts, you know, and

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things like social Security and medicare things like that, and

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everything requires a password and you have to log in

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and you got to update it and this and that.

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It's so complicated right now, and I really feel for

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people who didn't grow up with technology. And so it's

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a perfect situation for the criminals. And then the one

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thing that we're very proud of at Rose is Bill

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on our advisory committee created something called the Anatomy of

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a Scam, And I know Joyce is highlighted it many times,

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but it never hurts just to quickly review it. Most scams,

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not all of them, but most scams follow a three

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part process. So the scammers will contact you out of

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the blue, and that's typically via text or email or

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social media, you know, things like Facebook, Messenger or words

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with friends or things like that, and they are not

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calling to say hi. You know what do scammers want

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to do. They want to give you a compelling reason

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to act. They want you to make a bad, rushed decision.

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So they'll tell you things like your bank account's been compromised,

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or there's fraud associated with your Social Security account, or

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your grandchild's in jail. Or they may come at a

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different angle. They may say you've won a prize, you've

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won the lottery, you've won the publishers clearing house sweepstakes.

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But whatever method they use, they want you to not

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be thinking clearly. They want to either to panic or

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get excited emotions. They pray on your emotions. And then

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scammers will always ask for payment, because that's what scammers do.

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Scammers want money, Okay, so they're going to request payment.

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So back in the olden days, it was checks and catch.

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Things move real slow with that way. Now they have

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real high speed things. We have the cryptocur and see,

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we have the bitcoin, we have Zell PayPal, we have

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wire transfers, prepaid cards, and I mean the scammers will

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tell you to, you know, go get Google play cards

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or Apple iTunes things or anything like that.

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You know.

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And then always with scammers, the urgency is their overarching theme.

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When a scammer calls you up or messages you and

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says you forgot to show up for jury duty, you

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owe money, go down to the store by a prepaid card.

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They keep you on the phone. Okay, that's how That's

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how these scams work is urgency. They never ever say,

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you know what, this is a big decision. Why don't

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you think about it over the weekend and get back

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to me on Monday and we'll talk, or you know,

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talk to your attorney or your accountant or a good friend. No, no, no, no,

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no no. They never do that. They're gonna Urgency is

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their thing. So just remember scammers, they will lie to

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you and take your money. That's even the most simplest thing.

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If we were to do a two part anatomy of

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a scam, that might be the other one. They're gonna

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lie to you and take your money, and they will

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take everything. Like I said at the beginning of today's podcast,

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they are ruthless financial predators. They will take everything you have.

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So how do you protect yourself? Well, number one, you

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don't have to be nice. I'm giving you permission to

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lie to the scammers. I call it a white life.

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Just say, you know, if you're in a situation where

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you're on the phone or someone's texting you and you

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don't like the way it's going, you can hang up. Okay,

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you don't have to be nice. And one of the

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fraud prevention presentations I did recently, I did the presentation

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with my friend Laura, who works at a local bank,

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and she tells the story of a lady who is

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being scammed over the phone. And the lady knew she

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was being scammed, but she refused to hang up the phone.

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Why because she told Laura, well, I didn't want to

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be rude. Okay. So this lady was raised very well,

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be nice to people on the phone, don't hang up,

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don't be rude, but ended up costing her money. So

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toughen yourself up. That means you're allowed to say no,

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you're allowed to hang up, you're allowed to delete. Because

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the advice that I want to send you home today

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is is a few things. Okay, Time is your friend.

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That means never feel rushed. Okay. Just the other day,

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my mom had to pop up on her computer that

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said she had viruses, and my mom paused. She didn't react.

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She walked away from her computer and she called me

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and she told me what was going on. And that's

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the key. She had a phone a friend. I am

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my mom's phone a friend. If you ever watched the

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show Who Wants to Be a Millionaire with Regis Philbin,

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if you didn't know the answer, there were several ways

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you could get help. One was pulling the audience, one

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was doing the fifty to fifty where they got rid

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of two of the wrong answers. But my favorite one

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by far was having a phone a friend. So let

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me ask everyone out there it's watching and listening today,

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if you were not sure about something on your computer

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or your phone, who would you call? You know, probably

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a family member, a friend, a neighbor, call the police

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department if you have to, But time as your friend.

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Don't react, get some help, okay. And then some other

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advice we always are pushing is sign up for our

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monthly email. You just go to Roseadvocacy dot org. It's

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scrolling at the bottom of the page. And all we

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ask for is your name, first and last name, and

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your email address, and we'll send you a monthly email,

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and then we also send you a little a tip

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on Tuesday mornings. That one's a little bit shorter. And

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then if you like these monthly emails and the little

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tips on Tuesdays, share with your friends. Okay, And if

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you don't like our emails, if you don't think they're

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worth your time, to read them once a week, just unsubscribed.

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We won't have our feelings hurt. But we know we

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are providing good information. Share this with your friends and family,

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especially someone who lives alone, especially someone who is real

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apt to answer the phone, or you know, just falls

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for things or might be a little lonely. You know,

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at Rose, we don't want anyone to be scammed. It

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just it breaks my heart whenever I do a presentation

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and someone walks up to me and tells me how

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they've been scammed, and it just it's so frustrating. It's

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it makes me angry and it makes me sad all

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at the same time. You know, I've learned. I've been

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doing fraud prevention for about thirty years now, and what

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I've learned is we are never going to get rid

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of these scammers. It's just too profitable. We are so outnumbered,

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you know, especially law enforcement, so outnumbered because it's so profitable.

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But we can dry up the pool of potential victims.

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And then the last thing I'd ask everyone out there

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to do. If you watch today's podcast, and this is nice,

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nice and short. We're keeping it at twenty minutes today,

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share this link. Send it to your friends, say here's

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some common sense tips to just let them realize how

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good these scammers are and that you don't want to

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get into the ring with them, because these we're not

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dealing with your father, your scammers anymore. Please share this link.

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All right, that's all I have today. Joyce will be beat.

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We'll be back next week and she's going to share

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a new topic and then I'll be back later this

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summer with some new ideas and ways that you can

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protect yourself. So thank you for watching, thank you for

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listening today, and we'll see you next week. Thank you

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very much.

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Well, that's all the knowledge for this episode. Julian every

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Tuesday at eight am Pacific time on KFOURHD Radio at

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kfourhd dot com as Joyce explores a variety 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.