Oct. 14, 2025

Where is the urgency?

I often get frustrated by the lack of urgency by the public in general because I know so many people are sitting ducks just waiting to get scammed. If you experienced what I see and hear about every day, you too would get frustrated at the lack of urgency. Most people don’t think or worry about scams until it happens to someone they love.

Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Let’s Talk About Scams TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Let’s Talk About Scams Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.

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WEBVTT

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This program is designed to provide general information with regards

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to the subject matters covered. This information is given with

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the understanding that neither the hosts, guests, sponsors, or station

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are engaged in rendering any specific and personal medical, financial,

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legal counseling, professional service, or any advice. You should seek

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the services of competent professionals before applying or trying any

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suggested ideas. The information contained in this podcast is intended

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for informational purposes only and is not a substitute for

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individual professional legal advice. The podcast information was carefully compiled

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from vetted sources and references. However, Rose Resources outreach to

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safeguard the elderly cannot guarantee that you will not fall

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victim to a scam.

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Let's talk about scams. It's the must listen show for

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anyone who wants to protect themselves and their loved ones

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from scams. Every Tuesday at am Pacific time on K

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four HD Radio, Joyce Petrowski, founder of Rose, and her

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guests will provide valuable insights and practical tips on how

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to recognize and protect yourself from scams. And now here

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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 and I am filling in for Joyce

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this morning. Joyce will be back next week. Let's talk

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about scams. We are in the prevention business. We do

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not want people to be scammed and that's our number

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one mission, and our primary focus is older adults. But

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we surely know that every age group gets scammed. But

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what we do know the older we get, the more

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likely we are to lose more money than anybody else.

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The stats don't lie, So thank you for tuning in today.

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This is so important because so many people have financial plans,

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they've saved, they have an estate, they have a trust,

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they have wills, they've planned, and they've done everything right

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and it just takes one really good scammer to wipe

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it all away. So thank you for watching today. You

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are doing the right thing. You are protecting yourself, you're

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protecting your family, and you're protecting others. So today's topic

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is called what is the urgency? And I'm kind of

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using an article that I wrote for the Green Valley

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News recently. Green Valley News is a newspaper in southern Arizona,

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and I'm very grateful to get to write for them

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every month on a various scam related topic, and to

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be very honest, this topic today is it's kind of

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a little bit of frustration. I'm venting a little bit

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if you just bear with me, but you'll understand why.

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It's nothing personal. It's because of my care for other

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people and how much it pains me to see people

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get scammed. So I recently celebrated August first two years

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with being with Rose and it's been an amazing experience,

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and I thank Joyce for bringing me on. And I've

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got to meet our board and our advisory committee, and

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I'll tell you we have some very smart, passionate people

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who really want to protect people in our community. And

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a lot of our board members and advisory committee folks,

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it's personal to them because they've had a scammer affect

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their family or friend or neighbor and they want to

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get in on the fight. And I'm also over the

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last two years, got to meet amazing people all over

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this state. And you know, various presentations I do, or

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if I do TV or radio or podcast interviews, I've

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got to meet so many people and I really appreciate

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them listening to our message and letting us share our warnings.

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And what have I learned in two years. I've learned

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that very smart people get scammed. Surprised me more than

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I thought. I really thought I was going to run

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into people who had lost some of their mental capabilities

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due to age or illness. It's not necessarily the case.

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Everyone that I've met is very smart, often very educated.

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They handle their own finances, but they just got dupe

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by scammers. But I've also learned the scammers have gotten

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way better over the last five, ten, twenty twenty five years.

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It's just not fair. If you get in the ring

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with these people. You need to disengage. You need to

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end whatever phone conversation is going on. You need to

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delete emails, delete text messages, you need to wait. All

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these things that Joyce and I talk about on a

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weekly basis, taking your time, time as your friend. But

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here's my frustration. I will be out in the public

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somewhere and I'll meet someone and I'll tell them what

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we do at Rose, and they get all excited and say, yeah,

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we'd love to have you at our church and our

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social group, at our club, whatever it is, And then

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I don't hear back from them. And I'll send them

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an email or I'll leave them a message, but they

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don't call back, and I get frustrated. I get so

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frustrated because I know that people are out there are

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basically sitting ducks, and I and everyone else that rose

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we see all the scams that are happening on a

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daily basis, and we know so many people are just

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they're not protected, you know, and a lot of people

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figure out scams on their own just using common sense.

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But the scammers get better and better every single day,

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and you have to have some scam prevention in place.

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I mean, if you experience what I see on a

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daily basis and what happens when I do a presentation

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and someone comes up to me in tears afterwards tell

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me about their loss, it's very motivating for me to

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go out and do more presentations. But it's also frustrating

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when some of these groups just they don't. It's just

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not important to them.

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You know.

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Most people, really, to be honest, don't think about scams

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until it happens to someone they love or someone they

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care about. You know, when one of our family members

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get scammed, what do we do, Well, we go into

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pade and we ask them all kinds of questions, and

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we close bank accounts and we try to get the

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money back, and it's it's it's it's a hard job

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because the money is a lot of time gone. So

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you know, we try to claw that money back and

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sometimes it's possible, sometimes it's not. You know, a lot

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of the methods now when you send the money, it's

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just gone. So I've struggled to come up with an

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analogy as it released to scams, and I came up

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with a house on fires analogy. If you're sitting at

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home and the smoke alarms are going off and your

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house is on fire, you would immediately exit the house

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and call the fire department. Well, scammers are like arsonists.

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They're sitting outside of your house and they're they're starting

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a little fire on the outside of your house, trying

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to burn it down, and we want to warn everyone

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about that threat. So I know it's not a great analogy,

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but the scammers are basically trying to burn down your

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financial house and when it's fully engulfed, you'll get out.

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But we want you to see those arsonists out, the

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scammers outside that are being like arsenists, and stop them

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from even even starting the fire. Like I said, I

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get frustrated because I'll do a presentation and someone will

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come up to me afterwards and tell me their story.

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They'll say, I've been scammed. It's affected me. I can't sleep,

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I stress, I have horrible self esteem. Now I'm embarrassed,

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I'm shamed, and a lot of times these people are

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in tears. I remember meeting a lady who got scammed

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in a romance scam and she referred to him as Peter.

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She goes, my Peter. We don't even know if Peter

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was his real name. It could have been anything. It

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could have been a woman, it could have been a

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bunch of people working together they're creating Peter. But she

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had fallen in love with Peter, and she was telling

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me about it and tears in her eyes. I've seen

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damage family relationships because of the embarrassment and shame. Someone's

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lost all this money and then they have to tell

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their kids, I've lost this money. I mean, that's it.

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It's really really rough, you know. I met a lady

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who lost one hundred and seventy nine dollars and she

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was ashamed of it and embarrassed, and to her that

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was a lot of money, but it wasn't the money.

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It was the blow to her self esteem. And I

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just told her it's okay. A lot of smart people

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fall for scams. I've met people that I've lost three

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hundred thousand, seven hundred thousand in excess of a million.

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Last week, I spoke to a gentleman and his dad

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lost over four million dollars in a romance scam that

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turned into to pig butchering. He was investing in cryptocurrency

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and they just took They just kept taking more and

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more from him. He kept selling assets and they just

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really tailored their scam to really go after this guy. Guy.

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But over four million dollars, think that's like gental wealth

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that's just gone. So recently, I had the pleasure of

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doing a fraud prevention presentation and a local retirement community,

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and it took me two years to get this thing scheduled.

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As soon as I joined Rose in twenty twenty three,

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I approached this community and said, hey, we'd love to

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do a presentation, and you know, it was just crickets.

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They didn't get back to me, and I would ask periodically,

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very nicely, hey are we rated? Just I mean you

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guys could really use it. It's a huge community. They

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have a lot of well to do people, and I

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don't want them to get scammed. So during that two years,

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I found out from a local bank manager that one

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of the residents of this community came into this particular

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branch and he was withdrawing money from his bank account

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and he told them it was for home improvements. Well,

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here's the problem. The bank manager knew this gentleman was

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renting the unit he lived in. You don't make home

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improvements where this gentleman lived. So the scammers had told

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him a line to say to the bank managers to

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prevent them from stopping him from taking money out of

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the bank. Well, this bank manager knew and she wasn't

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gonna listen to the lie that he was told by

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the scammers, and she basically convinced him he was being

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scammed and said, I know you're lying to me about

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where this money's going. And then I also became aware

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of a second residence at this big community that was

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being scammed, And so you could see how I was

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frustrated that people in this community are getting scammed, yet

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they don't have the urgency to schedule one of our presentations.

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And you know, just because you have one of our

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presentations is not a guarantee you won't be scammed. But

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I'm telling you it's gonna make you a whole lot better.

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We've got to practice, we've got to be talking about

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this stuff. So there's a happy ending to the story.

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As the old saying goes better late than ever. This

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community did bring me to speak to them, and we

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had a really full room. Everyone really appreciated it. I

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got a lot of compliments that the information was very helpful,

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and that's just music to my years. I wish everybody

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in the entire community was there, but I'm a realist

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that's not going to happen. People have lives and other

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things going on. But there was a room full of

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people and we sent them home with some practical advice.

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So you know, sometimes, you know, one of the reasons

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why a group won't won't bring us on to speak

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is is they're worried that they're going to scare people.

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And I get it, there's there's some truth to that.

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But I'm very conscious conscious when I start my presentations,

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always at the beginning, I warn people. I say, I'm

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going to tell you some really scary stories about very

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smart people losing a lot of money. And I don't

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tell you this to make you feel bad or send

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you home scared. I do this to toughen you up

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and make you realize or help you realize what we're

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going against with these scammers these days. And then at

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a certain point in the presentation, I say, all right,

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no more scary stories. And there's a little laugh about that,

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because you know, it's scary to hear this stuff. And

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then we always end on a positive note. We send

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folks home with good common sense advice. You know, a

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lot of this is not rocket science, it's just common

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sense stuff. So we've got the presentation done, and it

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was a good thing because we want everyone to have

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a scam prevention plan. So what is a scam prevention plan?

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Just doing something? The fact that you're watching us today

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on Let's talk about scams Bravo, you are doing scam prevention.

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What else can you do? Sign up for our email list?

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You go to Roseadvocacy dot org. There's our website right

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on the screen Rose Advocacy dot Org, and right on

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the front page there's a blue button where you can

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sign up for our email list. It comes out once

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a month. It's free. We just need a name and

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an email. If you like it, share it with your friends.

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If you don't like it, you can unsubscribe. We won't

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have our feelings hurt. And then we also send out

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every Tuesday a little tip. It's just a smaller version

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of the newsletter, just to keep this stuff in our mind.

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And then scam prevention also means you have a family

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member or friend that you can call any time of

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the day if you're not sure about an email, a

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text message, a phone call, something on social media. And

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it also means scam prevention. It goes both ways. People

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look after you, but you need to look after others.

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So we want you to look out out for the

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most vulnerable members of our community. Start in your neighborhood.

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Is there someone nearby that lives by themselves and maybe

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he's a little lonely and maybe answers the phone all

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the time and is friendly and would would not hang

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up on someone. You reach out to that person and

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be their phone a friend, and you know, if you

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want to be part of the solution, please donate our art.

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I mean sorry, to be part of solution. Please visit

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our website and consider being a monthly donor. I donate

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monthly to Rose and I just know that money is

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going to a good cause. Trust me, we run a

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very tight ship. Nearly everybody is a volunteer. I'm a

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part time employee, but we keep things our expenses very low.

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But we do have expenses. So if you consider donating

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ten or twenty dollars a month, we would absolutely love it.

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And remember, go to Rosadvocacy dot org sign up for

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our monthly emails, share this link with anyone else you know,

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and just watch every week. We're going to keep this

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episode today basically twenty minutes. We're keeping it tight because

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we all know you're everyone out there is very busy.

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And remember, practice makes perfect. We practice hanging up the phone,

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we practice deleting emails. Lie to the scammers if you

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have to, because they are going to lie to you.

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And I know a future that's a future episode about practice.

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That was something that we had in our little Tuesday

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tips talking about practice makes perfect. Practice doing the things

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ahead of time, so when you're in that stressful situation,

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you don't panic. You know that if you get a

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phone call from the security department at your bank saying

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your money's in trouble, that you recognize it as a scam,

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You hang up the phone, you take out your ATM card,

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flip it over, call the number on the back, call

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the customer service number, and asked to be transferred to

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the security department. That's practice things like that, So we'll

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talk about that more in the future. But lastly, thank you.

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Thank you for tuning in today and listening to my

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little rant about where's the urgency. I hope it wasn't

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too negative. I just wanted to express my frustration because

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what we all see it at Rose here, we get

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frustrated when people just don't have the urgency that we have.

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And the urgency is not about us. The urgency is

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about protecting the people we love. All right, until next time,

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I'm Brian Watson filling in for Joyce Petrowski. I really

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appreciate you all tuning in today and we will see

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you next week on Let's talk about Scams.

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

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every Tuesday at eight am Pacific time on KFOURHD Radio

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at KFORAHD dot com as Joyce explores a variety of

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knowledge so you have the power to make scam protection

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your healthy habit, and until then, feel free to reach

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out to Joyce and let's talk about scams.