1
00:00:02,084 --> 00:00:04,266
thank you hit the wrong

2
00:00:04,306 --> 00:00:08,128
button the following is

3
00:00:08,189 --> 00:00:10,349
paid programming welcome to

4
00:00:10,410 --> 00:00:11,509
something more with chris

5
00:00:11,551 --> 00:00:13,090
boyd chris boyd is a

6
00:00:13,191 --> 00:00:14,532
certified financial planner

7
00:00:14,571 --> 00:00:15,772
practitioner and senior

8
00:00:15,813 --> 00:00:17,173
vice president financial

9
00:00:17,213 --> 00:00:18,074
advisor at wealth

10
00:00:18,114 --> 00:00:19,254
enhancement group one of

11
00:00:19,274 --> 00:00:20,256
the nation's largest

12
00:00:20,335 --> 00:00:21,295
registered investment

13
00:00:21,315 --> 00:00:22,777
advisors we call it

14
00:00:22,817 --> 00:00:23,998
something more because we'd

15
00:00:24,057 --> 00:00:25,358
like to talk not only about

16
00:00:25,399 --> 00:00:26,539
those important dollar and

17
00:00:26,579 --> 00:00:27,920
sense issues but also the

18
00:00:27,960 --> 00:00:29,420
quality of life issues that

19
00:00:29,460 --> 00:00:31,001
make the money matters matter

20
00:00:31,521 --> 00:00:33,804
Here he is, your fulfillment facilitator,

21
00:00:34,164 --> 00:00:35,585
your partner in prosperity,

22
00:00:36,066 --> 00:00:37,426
advising clients on Cape

23
00:00:37,447 --> 00:00:38,987
Cod and across the country.

24
00:00:39,287 --> 00:00:44,453
Here's your host, Jay Christopher Boyd.

25
00:00:44,472 --> 00:00:45,694
Thank you for being with us

26
00:00:45,713 --> 00:00:46,654
for another episode of

27
00:00:46,694 --> 00:00:47,835
Something More with Chris Boyd.

28
00:00:47,875 --> 00:00:48,856
I'm here with Jeff Perry.

29
00:00:48,875 --> 00:00:50,698
We are both of the AMR team

30
00:00:50,898 --> 00:00:52,219
at Wealth Enhancement Group,

31
00:00:52,499 --> 00:00:56,021
and it is well into the

32
00:00:56,082 --> 00:00:57,743
season where we start to do

33
00:00:57,804 --> 00:00:58,984
our holiday shopping.

34
00:00:59,825 --> 00:01:01,887
And there's that.

35
00:01:02,148 --> 00:01:04,409
And we get distracted.

36
00:01:04,450 --> 00:01:05,631
There's so much going on.

37
00:01:05,850 --> 00:01:06,671
It's so busy.

38
00:01:07,072 --> 00:01:07,653
Sure is.

39
00:01:08,033 --> 00:01:10,396
It's an easy time to get

40
00:01:11,117 --> 00:01:13,037
taken on a ride when it

41
00:01:13,078 --> 00:01:15,000
comes to the scams and

42
00:01:15,061 --> 00:01:16,701
fraudsters that are out there.

43
00:01:17,242 --> 00:01:19,064
They seem to be getting

44
00:01:19,125 --> 00:01:20,906
better and better each year, Jeff.

45
00:01:21,956 --> 00:01:22,957
when it comes to some of

46
00:01:22,977 --> 00:01:24,799
these scams no doubt no

47
00:01:24,859 --> 00:01:25,500
doubt they're getting

48
00:01:25,519 --> 00:01:26,400
better and better and their

49
00:01:26,480 --> 00:01:27,522
tools are getting better

50
00:01:27,542 --> 00:01:28,942
and better one of the

51
00:01:29,024 --> 00:01:30,665
recent articles that I saw

52
00:01:30,905 --> 00:01:33,468
was talking about AI I know

53
00:01:34,528 --> 00:01:35,429
that seems to be everything

54
00:01:35,489 --> 00:01:37,070
right in a positive side

55
00:01:37,111 --> 00:01:38,311
and you know medical

56
00:01:38,352 --> 00:01:41,334
advances AI and writing all

57
00:01:41,375 --> 00:01:42,615
these tools that are

58
00:01:42,656 --> 00:01:43,757
available now with the

59
00:01:43,777 --> 00:01:45,599
developing technology of AI but

60
00:01:46,278 --> 00:01:47,299
you think about it some of

61
00:01:47,319 --> 00:01:49,381
the some of the obvious

62
00:01:49,441 --> 00:01:50,923
signs of a scam whether

63
00:01:50,942 --> 00:01:51,903
it's a phone call or an

64
00:01:51,963 --> 00:01:53,865
email have been in the past

65
00:01:54,787 --> 00:01:57,911
uh maybe individuals who uh

66
00:01:57,950 --> 00:01:59,832
don't speak english native

67
00:01:59,873 --> 00:02:00,953
language it's easier to

68
00:02:00,993 --> 00:02:03,156
detect like idioms or

69
00:02:03,236 --> 00:02:04,397
something but just the

70
00:02:04,597 --> 00:02:06,480
grammar was poor or you'd be like

71
00:02:06,819 --> 00:02:08,700
hmm well you're just really

72
00:02:08,741 --> 00:02:10,282
a nigerian prince you know

73
00:02:10,322 --> 00:02:12,943
yeah right but with ai not

74
00:02:13,003 --> 00:02:15,224
only is will their writing

75
00:02:15,264 --> 00:02:17,106
be better for us emails or

76
00:02:17,146 --> 00:02:19,288
websites but also and this

77
00:02:19,367 --> 00:02:20,429
one I hadn't I hadn't even

78
00:02:20,508 --> 00:02:22,310
contemplated this one you

79
00:02:22,330 --> 00:02:24,270
know we heard about fake uh

80
00:02:24,330 --> 00:02:25,252
messages during the

81
00:02:25,292 --> 00:02:26,352
political campaign of

82
00:02:26,412 --> 00:02:27,712
someone's I'm going to use

83
00:02:27,733 --> 00:02:28,713
the word spoofing I don't

84
00:02:28,734 --> 00:02:29,895
know if I'm using it correctly but

85
00:02:30,713 --> 00:02:32,455
Pretending to be someone else.

86
00:02:32,794 --> 00:02:33,056
Yes.

87
00:02:33,395 --> 00:02:35,336
So now they'll be able to create,

88
00:02:36,018 --> 00:02:36,877
even if they don't speak,

89
00:02:36,997 --> 00:02:39,000
even if the scammer is overseas,

90
00:02:39,419 --> 00:02:40,841
they'll be able to create a

91
00:02:41,181 --> 00:02:43,141
perfectly sounding American

92
00:02:43,181 --> 00:02:44,342
business woman.

93
00:02:44,782 --> 00:02:46,084
Yeah.

94
00:02:46,104 --> 00:02:47,185
Audio and video.

95
00:02:47,224 --> 00:02:49,406
They can even make a person

96
00:02:49,467 --> 00:02:51,888
appear to be a fake person.

97
00:02:52,528 --> 00:02:53,068
Absolutely.

98
00:02:53,088 --> 00:02:56,770
Video content or replicate

99
00:02:56,811 --> 00:02:58,072
someone who like,

100
00:02:58,492 --> 00:03:00,074
you know how that grandchild scans.

101
00:03:00,093 --> 00:03:00,574
That's right.

102
00:03:00,954 --> 00:03:03,157
often here if there's

103
00:03:03,257 --> 00:03:05,118
content of that individual

104
00:03:05,239 --> 00:03:06,139
online they could

105
00:03:07,140 --> 00:03:09,223
potentially replicate

106
00:03:09,264 --> 00:03:10,544
that's right so that it

107
00:03:10,564 --> 00:03:12,046
appears to be what they're saying

108
00:03:12,545 --> 00:03:14,747
So if you post a photo or a video,

109
00:03:15,026 --> 00:03:16,206
a video even better, right?

110
00:03:16,247 --> 00:03:17,366
Yeah, that's right.

111
00:03:17,426 --> 00:03:19,108
Of you and your grandchild doing something,

112
00:03:19,307 --> 00:03:20,848
or the scammer goes from

113
00:03:21,207 --> 00:03:22,448
your account to the

114
00:03:22,467 --> 00:03:24,188
grandchild's TikTok account.

115
00:03:24,468 --> 00:03:24,748
Right.

116
00:03:25,049 --> 00:03:26,769
And there's endless content there.

117
00:03:27,149 --> 00:03:28,009
Voices and images.

118
00:03:28,030 --> 00:03:30,009
Or a lot of teenagers, yeah.

119
00:03:30,050 --> 00:03:31,310
You could get a call that

120
00:03:31,349 --> 00:03:33,510
sounds a lot like your grandchild.

121
00:03:35,171 --> 00:03:35,472
Saying,

122
00:03:35,671 --> 00:03:38,033
I'm in Europe and I need to get

123
00:03:38,074 --> 00:03:39,034
bailed out or whatever.

124
00:03:39,074 --> 00:03:40,556
That's right.

125
00:03:40,795 --> 00:03:42,276
When I worked for the sheriff's office,

126
00:03:43,237 --> 00:03:44,859
it wasn't a voice,

127
00:03:45,460 --> 00:03:46,721
meaning a replica voice,

128
00:03:47,200 --> 00:03:48,442
but we had scams that were

129
00:03:48,481 --> 00:03:49,802
happening on the Cape where

130
00:03:50,824 --> 00:03:52,885
someone would pose as a law

131
00:03:52,925 --> 00:03:56,748
enforcement officer, call grandma and say,

132
00:03:56,769 --> 00:03:57,449
all right,

133
00:03:57,489 --> 00:03:59,811
we have your grandchild Joey in here.

134
00:04:00,330 --> 00:04:01,372
And they'd say a few things

135
00:04:01,391 --> 00:04:02,552
about Joey based upon

136
00:04:02,593 --> 00:04:03,835
Joey's social media.

137
00:04:04,716 --> 00:04:06,837
He got picked up for shoplifting.

138
00:04:07,938 --> 00:04:09,961
You know, we had to take him in.

139
00:04:10,001 --> 00:04:11,542
The merchant was really great.

140
00:04:11,581 --> 00:04:13,183
Joey would never shoplift.

141
00:04:13,324 --> 00:04:13,563
Well,

142
00:04:14,344 --> 00:04:16,447
he asked us to call you because he is

143
00:04:16,507 --> 00:04:18,689
too nervous about calling his parents.

144
00:04:19,209 --> 00:04:20,129
And I think I'm going to be

145
00:04:20,230 --> 00:04:21,151
able actually to get the

146
00:04:21,190 --> 00:04:22,492
merchant to drop the charges.

147
00:04:23,598 --> 00:04:24,937
but we just need two hundred

148
00:04:24,978 --> 00:04:28,038
dollars to release joey and

149
00:04:28,098 --> 00:04:29,139
uh if you'd like to do it

150
00:04:29,298 --> 00:04:30,259
right away so he doesn't

151
00:04:30,300 --> 00:04:31,040
have to stay here if you

152
00:04:31,060 --> 00:04:32,860
just run down to the cvs so

153
00:04:33,000 --> 00:04:34,081
they can get a gift card

154
00:04:34,240 --> 00:04:35,480
get a green card and get a

155
00:04:35,521 --> 00:04:37,862
gift card and you know so I

156
00:04:37,882 --> 00:04:39,401
think the theme of

157
00:04:39,622 --> 00:04:40,562
everything we want to talk

158
00:04:40,581 --> 00:04:42,642
about in this episode chris is

159
00:04:44,007 --> 00:04:45,569
go slower, pause.

160
00:04:45,649 --> 00:04:47,189
When something happens that

161
00:04:47,209 --> 00:04:49,531
you're reacting to quickly,

162
00:04:49,610 --> 00:04:51,452
especially if it's not in person,

163
00:04:51,653 --> 00:04:52,773
even if it is in person,

164
00:04:53,353 --> 00:04:56,576
but just slow down, right?

165
00:04:56,636 --> 00:04:59,338
Slow down and say, can I get back to you?

166
00:04:59,437 --> 00:05:00,317
Like for the one I was

167
00:05:00,377 --> 00:05:02,079
explaining that happened on

168
00:05:02,119 --> 00:05:04,000
the Cape when I was working

169
00:05:04,040 --> 00:05:04,920
at the sheriff's office,

170
00:05:05,000 --> 00:05:07,802
if the people just said, okay, um,

171
00:05:08,887 --> 00:05:10,228
I have somebody here right now.

172
00:05:10,449 --> 00:05:11,348
Can you just give me your

173
00:05:11,369 --> 00:05:12,670
phone number to call back

174
00:05:13,310 --> 00:05:14,571
and I'll get right on this.

175
00:05:14,591 --> 00:05:15,692
You don't you don't have to

176
00:05:16,552 --> 00:05:18,033
challenge the person calling.

177
00:05:18,353 --> 00:05:19,093
Yeah.

178
00:05:19,113 --> 00:05:21,314
Just be as if you're going

179
00:05:21,334 --> 00:05:21,995
to go along with it.

180
00:05:22,014 --> 00:05:23,315
Maybe say, OK,

181
00:05:23,355 --> 00:05:24,857
let me get let me get back to you.

182
00:05:24,877 --> 00:05:26,937
I need to raise some funds

183
00:05:26,997 --> 00:05:28,079
or whatever it is.

184
00:05:28,199 --> 00:05:28,278
Yeah.

185
00:05:28,925 --> 00:05:30,685
Then you don't call that number, though.

186
00:05:30,706 --> 00:05:30,925
No,

187
00:05:30,966 --> 00:05:32,326
you don't call the number that they

188
00:05:32,346 --> 00:05:32,887
give you.

189
00:05:33,307 --> 00:05:34,807
You go to the original source.

190
00:05:34,947 --> 00:05:36,009
So that's how we found out

191
00:05:36,069 --> 00:05:36,848
the sheriff's office.

192
00:05:36,869 --> 00:05:38,370
Because people would call

193
00:05:38,410 --> 00:05:39,711
the sheriff's office and say,

194
00:05:40,050 --> 00:05:41,372
did someone just call here?

195
00:05:41,391 --> 00:05:44,374
Do you have Joey in custody?

196
00:05:44,454 --> 00:05:46,134
And we were able to.

197
00:05:46,175 --> 00:05:48,615
They're like, don't know who Joey is.

198
00:05:48,776 --> 00:05:49,016
Yeah.

199
00:05:49,336 --> 00:05:49,576
Yeah.

200
00:05:49,615 --> 00:05:50,396
Something's going on.

201
00:05:51,596 --> 00:05:54,559
To the AI point,

202
00:05:54,598 --> 00:05:56,139
that's just being magnified

203
00:05:56,860 --> 00:05:58,761
with the advances in

204
00:05:59,322 --> 00:06:00,161
artificial intelligence.

205
00:06:00,182 --> 00:06:01,201
It's going to make it harder

206
00:06:02,642 --> 00:06:04,884
to really discern.

207
00:06:04,944 --> 00:06:08,105
Even before AI, when you get emails,

208
00:06:09,307 --> 00:06:10,586
nowadays you get an email,

209
00:06:10,627 --> 00:06:12,869
it looks like it's from an

210
00:06:12,908 --> 00:06:14,348
official source with a

211
00:06:14,428 --> 00:06:15,550
statement or something.

212
00:06:15,870 --> 00:06:17,531
I'll call it FedEx or something.

213
00:06:17,807 --> 00:06:19,767
know the postal service or

214
00:06:19,827 --> 00:06:21,028
something right there'll be

215
00:06:21,608 --> 00:06:24,971
a communication uh a a bill

216
00:06:25,012 --> 00:06:26,091
like a credit card or

217
00:06:26,112 --> 00:06:27,372
something and it's like oh

218
00:06:27,432 --> 00:06:28,733
you have this fraudulent

219
00:06:29,454 --> 00:06:31,855
sure charge and if you just

220
00:06:31,875 --> 00:06:32,956
click through here we can

221
00:06:34,675 --> 00:06:36,358
you know, rectify it or whatever.

222
00:06:37,199 --> 00:06:38,759
So like sometimes it's stuff you're like,

223
00:06:39,560 --> 00:06:41,362
you just can fall suspect like, Oh,

224
00:06:41,382 --> 00:06:42,663
is this really, is this far?

225
00:06:42,744 --> 00:06:43,324
Is this fake?

226
00:06:43,805 --> 00:06:44,966
And sometimes it's so,

227
00:06:46,148 --> 00:06:47,189
it appears to be good

228
00:06:47,249 --> 00:06:48,529
enough that you could think, Oh,

229
00:06:48,550 --> 00:06:49,050
maybe it is.

230
00:06:49,110 --> 00:06:50,851
Or if you're not paying close attention,

231
00:06:50,872 --> 00:06:51,833
you wouldn't catch that.

232
00:06:51,872 --> 00:06:52,033
It's,

233
00:06:52,774 --> 00:06:54,235
a bogus one oh the email

234
00:06:54,254 --> 00:06:55,956
address is not an email

235
00:06:55,975 --> 00:06:57,677
address that would be that

236
00:06:57,737 --> 00:06:59,577
institution well they can

237
00:06:59,598 --> 00:07:00,559
they can make it look

238
00:07:00,639 --> 00:07:01,819
pretty close so they can

239
00:07:01,899 --> 00:07:03,160
hide it they can encrypt

240
00:07:03,180 --> 00:07:04,860
the email address and so it

241
00:07:04,901 --> 00:07:07,341
still says u.s post office

242
00:07:07,463 --> 00:07:08,682
until you click the actual

243
00:07:08,783 --> 00:07:10,944
email address yeah and

244
00:07:10,985 --> 00:07:11,785
before you know you're

245
00:07:11,845 --> 00:07:13,146
entering your name date of

246
00:07:13,165 --> 00:07:14,105
birth so security number

247
00:07:14,165 --> 00:07:16,228
address you know to file

248
00:07:16,288 --> 00:07:18,548
this claim on this fraudulent thing and

249
00:07:20,855 --> 00:07:21,916
And that's if you just give

250
00:07:21,937 --> 00:07:23,278
them your identities and

251
00:07:23,317 --> 00:07:24,358
you don't start giving them

252
00:07:24,377 --> 00:07:25,499
your bank account number so

253
00:07:25,519 --> 00:07:26,720
they can refund the number.

254
00:07:27,920 --> 00:07:29,762
And I know a lot of people

255
00:07:29,802 --> 00:07:30,841
who are listening right now

256
00:07:30,882 --> 00:07:32,163
say that would never,

257
00:07:32,860 --> 00:07:34,081
happen to me.

258
00:07:34,502 --> 00:07:35,041
And, you know, I feel,

259
00:07:35,163 --> 00:07:36,023
I feel the same way.

260
00:07:37,084 --> 00:07:38,425
I'm one of those people who would say,

261
00:07:38,444 --> 00:07:39,305
I wouldn't fall.

262
00:07:39,324 --> 00:07:41,627
No, I wouldn't fall for that.

263
00:07:41,666 --> 00:07:43,908
But they would catch you at a weak moment,

264
00:07:44,428 --> 00:07:45,790
a distracted moment.

265
00:07:46,149 --> 00:07:48,911
Um, and, uh, just it's,

266
00:07:49,151 --> 00:07:50,932
it happens to everybody,

267
00:07:51,572 --> 00:07:52,954
people who you would say,

268
00:07:53,394 --> 00:07:54,875
how did they fall for that?

269
00:07:55,136 --> 00:07:55,435
Right.

270
00:07:55,815 --> 00:07:58,317
Not, I mean, if someone is, um,

271
00:08:00,004 --> 00:08:02,204
Oftentimes elderly are the

272
00:08:04,245 --> 00:08:05,685
target of some of these things,

273
00:08:06,086 --> 00:08:07,286
partly because sometimes

274
00:08:07,305 --> 00:08:10,367
they're less technology savvy, right?

275
00:08:10,427 --> 00:08:11,487
Technologically savvy.

276
00:08:11,547 --> 00:08:13,026
Sometimes it's because they

277
00:08:13,947 --> 00:08:16,927
may be at an age where they

278
00:08:17,007 --> 00:08:22,668
are not as cognitively astute.

279
00:08:23,149 --> 00:08:26,889
And so they may be in the habit of

280
00:08:28,137 --> 00:08:29,757
being generous anyway at

281
00:08:29,778 --> 00:08:31,577
this stage of life or whatever it is,

282
00:08:31,617 --> 00:08:31,819
right?

283
00:08:31,838 --> 00:08:34,320
So there's all these prompts

284
00:08:34,340 --> 00:08:35,480
that can make them more

285
00:08:35,539 --> 00:08:39,302
susceptible to these kinds of issues.

286
00:08:39,981 --> 00:08:41,783
But it doesn't have to be

287
00:08:42,283 --> 00:08:43,302
because anyone is

288
00:08:43,363 --> 00:08:47,745
technologically inept or a

289
00:08:47,804 --> 00:08:48,705
variety of reasons.

290
00:08:49,265 --> 00:08:51,966
I think anybody can fall

291
00:08:52,187 --> 00:08:53,606
susceptible to these things

292
00:08:54,048 --> 00:08:55,388
now because they've gotten

293
00:08:55,447 --> 00:08:57,229
so good at being deceptive.

294
00:08:57,734 --> 00:08:57,913
Right.

295
00:08:57,994 --> 00:08:58,975
They learn every day.

296
00:08:58,995 --> 00:09:00,556
The fraudsters learn every

297
00:09:00,596 --> 00:09:02,658
day what the objections are

298
00:09:02,697 --> 00:09:04,899
and what point they're being questioned.

299
00:09:05,100 --> 00:09:06,682
And they're just modifying

300
00:09:06,721 --> 00:09:08,482
their tactics to deal with

301
00:09:08,543 --> 00:09:09,543
those objections.

302
00:09:09,604 --> 00:09:10,985
And so I wanted to bring

303
00:09:11,004 --> 00:09:12,866
this some of these common

304
00:09:12,927 --> 00:09:14,268
or new scams up.

305
00:09:14,347 --> 00:09:15,188
It is, by the way,

306
00:09:15,469 --> 00:09:17,551
International Fraud Awareness Week.

307
00:09:18,730 --> 00:09:21,032
And your wife, Kristen,

308
00:09:21,111 --> 00:09:21,871
actually let me know

309
00:09:21,932 --> 00:09:23,232
because we had a client,

310
00:09:23,852 --> 00:09:24,932
we have a client who,

311
00:09:25,472 --> 00:09:27,254
not related to the accounts

312
00:09:27,293 --> 00:09:28,714
that she has with us,

313
00:09:29,433 --> 00:09:31,195
but I was talking to her

314
00:09:31,254 --> 00:09:32,615
about another matter and

315
00:09:32,674 --> 00:09:34,355
she let me know that she

316
00:09:34,416 --> 00:09:36,975
had fallen prey to one of these scams.

317
00:09:37,015 --> 00:09:38,456
It all started on Facebook.

318
00:09:39,557 --> 00:09:41,258
And, you know, say Facebook,

319
00:09:41,278 --> 00:09:42,638
people know there's scams there,

320
00:09:42,677 --> 00:09:45,639
but she got a message saying,

321
00:09:46,658 --> 00:09:48,201
in her message you know the

322
00:09:48,260 --> 00:09:49,863
private messages messenger

323
00:09:49,883 --> 00:09:51,884
yeah that looked to her

324
00:09:52,325 --> 00:09:53,626
perfectly that this was a

325
00:09:53,767 --> 00:09:56,129
fraud this was facebook

326
00:09:56,710 --> 00:09:57,951
fraud bureau whatever they

327
00:09:57,990 --> 00:09:59,633
called themselves okay and

328
00:09:59,653 --> 00:10:01,033
they had some facebook

329
00:10:01,094 --> 00:10:02,895
trying to rectify this

330
00:10:02,975 --> 00:10:05,058
looking from facebook in

331
00:10:05,099 --> 00:10:06,980
facebook private message

332
00:10:08,186 --> 00:10:09,167
that said, you know,

333
00:10:09,466 --> 00:10:10,768
your account has been hacked.

334
00:10:11,187 --> 00:10:12,769
We need to clean this up.

335
00:10:13,208 --> 00:10:14,269
Don't worry about this.

336
00:10:15,029 --> 00:10:16,471
And we'll help you resolve it.

337
00:10:16,591 --> 00:10:20,913
And the key in the door was, and you know,

338
00:10:20,953 --> 00:10:21,134
this,

339
00:10:21,153 --> 00:10:23,134
this person is a very intelligent person.

340
00:10:23,836 --> 00:10:25,355
I would not think she would

341
00:10:25,395 --> 00:10:26,037
have done this.

342
00:10:26,136 --> 00:10:29,119
And she today would say it's my fault,

343
00:10:29,839 --> 00:10:33,441
but she allowed them to download.

344
00:10:33,581 --> 00:10:36,023
She downloaded a file and,

345
00:10:36,994 --> 00:10:39,035
to allow them access to her computer.

346
00:10:40,777 --> 00:10:43,298
And then from there, just, you know,

347
00:10:43,318 --> 00:10:44,480
they cloned it or whatever

348
00:10:44,519 --> 00:10:45,500
they did and gained all

349
00:10:45,561 --> 00:10:47,221
these personal information.

350
00:10:47,282 --> 00:10:48,583
And then they're off to the races,

351
00:10:48,663 --> 00:10:50,684
opening new accounts and bank accounts.

352
00:10:50,745 --> 00:10:51,745
And wow.

353
00:10:52,626 --> 00:10:53,427
Wow.

354
00:10:53,447 --> 00:10:54,808
So, you know,

355
00:10:54,849 --> 00:10:56,909
someone's posing as client service.

356
00:10:57,130 --> 00:11:00,013
Um, incidentally, just, um,

357
00:11:00,072 --> 00:11:01,014
you probably haven't seen this,

358
00:11:01,033 --> 00:11:02,815
but there's a movie called beekeeper.

359
00:11:03,235 --> 00:11:03,895
Have you ever seen this?

360
00:11:03,916 --> 00:11:04,537
I think I have.

361
00:11:04,596 --> 00:11:04,836
Yes.

362
00:11:06,187 --> 00:11:07,929
Um, it's an action flick really,

363
00:11:08,149 --> 00:11:10,451
but the premise starts off

364
00:11:10,471 --> 00:11:12,413
with the same kind of thing where someone,

365
00:11:12,815 --> 00:11:13,215
um,

366
00:11:13,775 --> 00:11:14,897
is getting a little bit of

367
00:11:15,096 --> 00:11:17,558
technological technology support,

368
00:11:17,719 --> 00:11:18,179
whatever.

369
00:11:18,580 --> 00:11:19,201
Right.

370
00:11:19,301 --> 00:11:20,542
And they, uh,

371
00:11:20,841 --> 00:11:22,143
they basically wipe out their

372
00:11:22,163 --> 00:11:24,284
bank accounts through this process.

373
00:11:24,304 --> 00:11:25,886
Same kind of concept, you know?

374
00:11:26,895 --> 00:11:29,317
a little bit of trickery and, oh, Josh,

375
00:11:31,738 --> 00:11:33,217
I withdrew, you know,

376
00:11:33,398 --> 00:11:34,138
I was supposed to take

377
00:11:34,578 --> 00:11:35,538
fifty thousand dollars.

378
00:11:35,558 --> 00:11:37,078
It's now fifty thousand

379
00:11:37,099 --> 00:11:38,139
dollars or whatever it is.

380
00:11:39,299 --> 00:11:40,841
Gosh, I need to get that back.

381
00:11:40,860 --> 00:11:41,961
Can you just front me that

382
00:11:42,020 --> 00:11:43,041
money or whatever?

383
00:11:43,881 --> 00:11:46,081
And ultimately they they wipe them out,

384
00:11:46,101 --> 00:11:47,962
you know, this fictional event.

385
00:11:48,023 --> 00:11:50,144
But I don't think it's

386
00:11:50,183 --> 00:11:52,604
entirely hard to stretch to

387
00:11:52,644 --> 00:11:54,325
think these kind of things happen.

388
00:11:54,684 --> 00:11:56,067
you know and you know for

389
00:11:56,106 --> 00:11:57,327
the facebook you're

390
00:11:57,427 --> 00:11:58,269
thinking like there's

391
00:11:58,308 --> 00:11:59,690
fraudulent people like

392
00:11:59,770 --> 00:12:00,630
pretending to be other

393
00:12:00,652 --> 00:12:02,653
people but you're on it and

394
00:12:02,673 --> 00:12:03,774
you get a private message

395
00:12:03,794 --> 00:12:05,716
from an entity that looks

396
00:12:05,777 --> 00:12:07,359
like them and they're

397
00:12:07,379 --> 00:12:09,701
trying to help you right

398
00:12:10,022 --> 00:12:11,043
and so people may have

399
00:12:11,082 --> 00:12:13,105
these experience with work with

400
00:12:13,846 --> 00:12:14,866
Someone else would log into

401
00:12:14,886 --> 00:12:16,366
their computer to fix something,

402
00:12:16,427 --> 00:12:17,807
which is really normal to

403
00:12:17,847 --> 00:12:19,188
give somebody authority.

404
00:12:19,668 --> 00:12:21,349
I got hacked on Facebook

405
00:12:21,429 --> 00:12:23,509
once before where we had

406
00:12:23,831 --> 00:12:25,571
credit card information on

407
00:12:26,052 --> 00:12:28,952
the account to be able to do advertising.

408
00:12:29,192 --> 00:12:30,212
Right.

409
00:12:30,573 --> 00:12:32,875
And someone somehow hacked

410
00:12:32,934 --> 00:12:35,196
in and had false charges.

411
00:12:35,436 --> 00:12:36,255
They bought all kinds of

412
00:12:36,275 --> 00:12:38,017
stuff through that credit card link.

413
00:12:38,481 --> 00:12:38,721
Yeah.

414
00:12:39,501 --> 00:12:41,363
So it's, it's really endless.

415
00:12:41,523 --> 00:12:42,543
And so you're not going to

416
00:12:42,562 --> 00:12:44,144
be able to prevent everything, anything.

417
00:12:44,203 --> 00:12:45,884
If there's a data breach at a company,

418
00:12:46,164 --> 00:12:46,965
that's not your fault.

419
00:12:47,024 --> 00:12:47,524
And you know,

420
00:12:47,544 --> 00:12:48,365
you'll be protected

421
00:12:48,785 --> 00:12:50,346
ultimately by your credit card.

422
00:12:50,385 --> 00:12:52,366
But when something is going on,

423
00:12:52,427 --> 00:12:53,726
whether it's a call or a

424
00:12:54,006 --> 00:12:55,947
mess incoming message to you,

425
00:12:57,269 --> 00:12:58,068
the best advice for,

426
00:12:58,249 --> 00:12:59,469
we'll go over some of these quickly,

427
00:12:59,509 --> 00:13:02,590
but the best advice is just to pause.

428
00:13:02,629 --> 00:13:02,889
Right.

429
00:13:04,831 --> 00:13:06,672
So you talked about those fake invoices.

430
00:13:07,011 --> 00:13:07,152
Um,

431
00:13:08,702 --> 00:13:11,269
Sometimes it'll be from PayPal even,

432
00:13:11,328 --> 00:13:14,716
or a credit card, or it'll be a bank,

433
00:13:15,018 --> 00:13:16,461
Wells Fargo, Bank of America.

434
00:13:16,561 --> 00:13:18,586
And does fraudsters know that

435
00:13:19,107 --> 00:13:20,168
only ten percent of the

436
00:13:20,448 --> 00:13:21,950
people that they're giving

437
00:13:21,990 --> 00:13:23,171
enough people have that

438
00:13:23,211 --> 00:13:24,211
bank account that they'll

439
00:13:24,251 --> 00:13:25,913
think twice right oh it's

440
00:13:25,952 --> 00:13:27,033
the wells fargo I have a

441
00:13:27,053 --> 00:13:27,995
wells fargo checking

442
00:13:28,014 --> 00:13:30,256
account this must be right

443
00:13:30,537 --> 00:13:31,538
whereas you I don't know if

444
00:13:31,597 --> 00:13:32,618
you I don't have wells

445
00:13:32,638 --> 00:13:33,899
fargo so I look at that and

446
00:13:33,918 --> 00:13:35,360
be like yeah it's a scam

447
00:13:35,821 --> 00:13:37,601
it's just the more personal

448
00:13:37,621 --> 00:13:39,264
they can make it to you the

449
00:13:39,303 --> 00:13:41,004
more likely you are to fall

450
00:13:41,024 --> 00:13:43,105
for this right right or the

451
00:13:43,145 --> 00:13:44,888
paypal one is um

452
00:13:45,505 --> 00:13:47,288
They'll send you an invoice, like you said,

453
00:13:47,388 --> 00:13:49,710
and says this item's being shipped.

454
00:13:50,070 --> 00:13:50,811
If you have any questions

455
00:13:50,831 --> 00:13:54,014
about your billing, click here.

456
00:13:54,315 --> 00:13:55,535
And then you're heading down

457
00:13:55,576 --> 00:13:56,537
that rabbit hole.

458
00:13:56,897 --> 00:13:59,399
Where they're dropping

459
00:13:59,440 --> 00:14:00,721
something on your computer

460
00:14:00,841 --> 00:14:01,761
or whatever it might be.

461
00:14:02,948 --> 00:14:04,970
So if you pause in those examples,

462
00:14:05,629 --> 00:14:07,029
or when you get a phone call, whatever,

463
00:14:07,070 --> 00:14:09,510
if you just pause and say, okay,

464
00:14:10,291 --> 00:14:11,672
I'm not going to trust anything.

465
00:14:11,692 --> 00:14:13,111
And I hate to live like that,

466
00:14:13,172 --> 00:14:14,832
but you kind of have to.

467
00:14:14,852 --> 00:14:16,913
All right, this is Wells Fargo.

468
00:14:17,033 --> 00:14:18,234
I have a Wells Fargo account.

469
00:14:18,313 --> 00:14:20,674
Let me log in separately to

470
00:14:20,715 --> 00:14:21,975
a link that you saved that

471
00:14:21,995 --> 00:14:24,635
you know is legitimate and to see.

472
00:14:24,875 --> 00:14:26,316
And if you want to go

473
00:14:26,355 --> 00:14:27,716
further to use a customer

474
00:14:27,756 --> 00:14:29,998
service number or go to the bank itself,

475
00:14:30,278 --> 00:14:30,998
but to know that...

476
00:14:31,892 --> 00:14:33,837
is legitimate and you choose

477
00:14:33,859 --> 00:14:34,961
the number that you call,

478
00:14:35,884 --> 00:14:37,370
not the number that they're giving you.

479
00:14:37,409 --> 00:14:37,630
Right.

480
00:14:38,207 --> 00:14:40,609
yeah I had uh something this

481
00:14:40,688 --> 00:14:41,568
while ago I probably told

482
00:14:41,589 --> 00:14:43,230
you this jeff I went to um

483
00:14:43,250 --> 00:14:45,071
I was in california and

484
00:14:45,110 --> 00:14:46,431
went to the gas station and

485
00:14:46,490 --> 00:14:47,412
somehow they spoofed my

486
00:14:47,451 --> 00:14:50,913
card maybe a scanner some

487
00:14:50,952 --> 00:14:52,234
kind of thing right so um

488
00:14:54,274 --> 00:14:56,514
so I when I'm back here I

489
00:14:56,575 --> 00:14:57,956
got a call saying you know

490
00:14:57,995 --> 00:14:59,956
are you charging something

491
00:14:59,996 --> 00:15:01,216
in california and I'm like

492
00:15:01,616 --> 00:15:02,557
who is this I'm thinking

493
00:15:02,577 --> 00:15:03,477
the bank it's like

494
00:15:04,556 --> 00:15:05,756
Do you think this call is a scam?

495
00:15:05,777 --> 00:15:07,256
I'm thinking it's a scam from the bank.

496
00:15:08,057 --> 00:15:08,677
Like, what is this?

497
00:15:08,778 --> 00:15:10,057
I'll call you back.

498
00:15:10,097 --> 00:15:11,538
So I called the bank.

499
00:15:11,557 --> 00:15:12,639
And they're like, yeah,

500
00:15:12,678 --> 00:15:16,740
are you in California?

501
00:15:16,759 --> 00:15:17,721
Because there's charges

502
00:15:17,740 --> 00:15:18,660
going on your card.

503
00:15:18,760 --> 00:15:19,221
And I'm like,

504
00:15:20,081 --> 00:15:21,783
no you know so I don't know

505
00:15:21,802 --> 00:15:23,063
how it happened other than

506
00:15:23,183 --> 00:15:24,385
I think they think it was

507
00:15:24,505 --> 00:15:26,607
when I went to get gas um

508
00:15:27,427 --> 00:15:29,850
somehow the the pump had

509
00:15:29,870 --> 00:15:30,931
been compromised in a way

510
00:15:30,971 --> 00:15:32,513
that the strips uh when you

511
00:15:32,533 --> 00:15:34,274
were doing your bank card

512
00:15:34,875 --> 00:15:39,399
got captured somehow so um in any case um

513
00:15:40,086 --> 00:15:42,307
Yeah, so you have to,

514
00:15:43,330 --> 00:15:44,530
even when they're trying to

515
00:15:44,571 --> 00:15:45,932
protect you from the fraud, you're like,

516
00:15:46,712 --> 00:15:49,676
all right, are you real?

517
00:15:50,037 --> 00:15:51,879
It's a terrible posture to maintain,

518
00:15:51,918 --> 00:15:54,822
but you kind of have to.

519
00:15:54,841 --> 00:15:56,943
Another scam that's recent, which...

520
00:15:57,764 --> 00:15:58,865
I might have been

521
00:15:58,985 --> 00:16:00,186
susceptible to it because

522
00:16:00,225 --> 00:16:01,246
I've done this before.

523
00:16:02,606 --> 00:16:03,668
Sometimes the best way to

524
00:16:03,707 --> 00:16:06,089
get an airline's attention, you know,

525
00:16:06,109 --> 00:16:07,229
when you have long customer

526
00:16:07,269 --> 00:16:09,149
service or people have been

527
00:16:09,210 --> 00:16:10,910
resorting to Twitter or

528
00:16:11,091 --> 00:16:11,971
social media posts.

529
00:16:11,991 --> 00:16:13,211
You can comment on social

530
00:16:13,251 --> 00:16:15,052
media and oftentimes

531
00:16:15,533 --> 00:16:16,374
they're paying attention.

532
00:16:16,874 --> 00:16:18,715
I did this with a JetBlue incident.

533
00:16:18,735 --> 00:16:19,615
It could be any airline.

534
00:16:19,634 --> 00:16:20,676
This is an anti-JetBlue.

535
00:16:20,735 --> 00:16:21,416
I love JetBlue.

536
00:16:21,436 --> 00:16:24,456
I got my issues with JetBlue.

537
00:16:24,538 --> 00:16:25,477
I used to love JetBlue.

538
00:16:26,700 --> 00:16:26,779
Okay.

539
00:16:26,799 --> 00:16:26,879
Well,

540
00:16:27,019 --> 00:16:28,681
I was having an issue with JetBlue

541
00:16:29,640 --> 00:16:30,562
about something,

542
00:16:31,162 --> 00:16:32,883
and so they weren't responding,

543
00:16:32,923 --> 00:16:34,163
and it was very frustrating.

544
00:16:34,264 --> 00:16:37,086
So when I was on Twitter,

545
00:16:37,125 --> 00:16:38,027
which I'm not anymore,

546
00:16:38,086 --> 00:16:40,528
but when I was on Twitter, I did it,

547
00:16:40,587 --> 00:16:42,629
and I tagged them, so to speak,

548
00:16:43,070 --> 00:16:43,750
at JetBlue.

549
00:16:44,230 --> 00:16:44,610
Yeah.

550
00:16:44,711 --> 00:16:46,611
And I instantly got a message back,

551
00:16:46,672 --> 00:16:48,173
a private message from JetBlue.

552
00:16:48,965 --> 00:16:50,486
So was it really JetBlue?

553
00:16:50,606 --> 00:16:51,187
It was real.

554
00:16:51,868 --> 00:16:52,369
And I got it.

555
00:16:52,408 --> 00:16:52,769
And they said,

556
00:16:52,808 --> 00:16:54,010
we're sorry to hear about this.

557
00:16:54,451 --> 00:16:55,913
Can you give us the ticket number?

558
00:16:56,212 --> 00:16:57,654
And I gave them the ticket number,

559
00:16:58,355 --> 00:17:01,238
which really isn't that harmful, I guess.

560
00:17:01,298 --> 00:17:03,360
But I didn't process anything.

561
00:17:04,501 --> 00:17:05,343
I made a complaint.

562
00:17:06,683 --> 00:17:07,503
Here's JetBlue.

563
00:17:08,005 --> 00:17:08,744
They're helping me.

564
00:17:08,964 --> 00:17:10,066
I'm a happier person.

565
00:17:10,226 --> 00:17:11,286
Right.

566
00:17:11,425 --> 00:17:12,366
And so it worked out.

567
00:17:12,467 --> 00:17:14,028
They helped me with the situation.

568
00:17:14,087 --> 00:17:17,788
But now there are people faking that.

569
00:17:19,049 --> 00:17:20,471
Well, they're faking the name.

570
00:17:20,911 --> 00:17:23,132
So they create a handle that says,

571
00:17:23,592 --> 00:17:25,153
I don't know, doing it somehow.

572
00:17:25,432 --> 00:17:27,213
Blue assistance or whatever, right?

573
00:17:27,473 --> 00:17:27,914
Yeah.

574
00:17:28,075 --> 00:17:28,755
I'm making that up.

575
00:17:28,974 --> 00:17:29,976
I don't know if that's a real thing.

576
00:17:29,996 --> 00:17:30,375
Whatever.

577
00:17:30,536 --> 00:17:32,196
You get the point.

578
00:17:32,217 --> 00:17:32,317
Right.

579
00:17:32,416 --> 00:17:34,459
And then they troll for

580
00:17:34,558 --> 00:17:36,839
these posts and they find

581
00:17:36,940 --> 00:17:39,320
one and they contact you and they'll say,

582
00:17:39,842 --> 00:17:41,282
sorry to hear about your trouble.

583
00:17:41,583 --> 00:17:42,903
Can I validate that it's you?

584
00:17:42,923 --> 00:17:44,365
Would you please give us your name,

585
00:17:44,404 --> 00:17:45,945
database, social security number,

586
00:17:45,986 --> 00:17:47,066
bank account number,

587
00:17:47,205 --> 00:17:48,227
as much as you'll give them.

588
00:17:48,795 --> 00:17:50,435
yeah they'll take and

589
00:17:50,496 --> 00:17:51,615
obviously they're not gonna

590
00:17:51,935 --> 00:17:54,356
fix your problem so that's

591
00:17:54,436 --> 00:17:56,678
very interesting so you can

592
00:17:56,698 --> 00:17:58,298
be it you know the first

593
00:17:58,358 --> 00:17:59,838
examples where you're not

594
00:17:59,878 --> 00:18:01,700
doing business with these people like a

595
00:18:02,346 --> 00:18:07,031
email that you get from PayPal or Best Buy,

596
00:18:07,092 --> 00:18:09,134
Geek Squad or all the common ones,

597
00:18:09,694 --> 00:18:11,696
or a bank that you don't do

598
00:18:12,257 --> 00:18:12,897
business with.

599
00:18:13,739 --> 00:18:14,700
That's something coming at

600
00:18:14,740 --> 00:18:17,762
you and you're maybe heightened security,

601
00:18:17,923 --> 00:18:18,983
but this is one that you

602
00:18:19,044 --> 00:18:20,465
reach out to an entity.

603
00:18:21,262 --> 00:18:22,604
And something comes back to

604
00:18:22,644 --> 00:18:24,345
you and it looks like it's

605
00:18:24,484 --> 00:18:25,424
who you contacted.

606
00:18:25,444 --> 00:18:25,565
Right.

607
00:18:27,006 --> 00:18:27,445
So that's,

608
00:18:27,925 --> 00:18:29,067
I think you're a bit more

609
00:18:29,106 --> 00:18:31,508
vulnerable in situations.

610
00:18:31,528 --> 00:18:33,189
That's really insidious.

611
00:18:33,209 --> 00:18:34,009
You know, as you're,

612
00:18:34,269 --> 00:18:35,609
you're trying to solve this

613
00:18:35,809 --> 00:18:36,730
waiting online with

614
00:18:36,750 --> 00:18:37,810
whatever your frustration

615
00:18:37,891 --> 00:18:42,492
is and you're at wit's end and yeah,

616
00:18:42,693 --> 00:18:43,473
catch you when you're weak.

617
00:18:43,653 --> 00:18:43,874
Right.

618
00:18:43,913 --> 00:18:45,954
When you're with these kinds of things,

619
00:18:46,295 --> 00:18:47,635
what are some other ones that are common?

620
00:18:48,003 --> 00:18:49,163
I think I can make a blanket

621
00:18:49,183 --> 00:18:51,005
category here is the

622
00:18:51,065 --> 00:18:53,705
government's trying to, um,

623
00:18:54,685 --> 00:18:56,186
find you because you missed

624
00:18:56,247 --> 00:19:02,108
the IRS or a common one down here was a,

625
00:19:02,128 --> 00:19:02,368
uh,

626
00:19:02,409 --> 00:19:04,209
actually friend of ours got this call.

627
00:19:04,249 --> 00:19:06,210
They didn't fall for it, but they called,

628
00:19:06,650 --> 00:19:07,589
they called me about it and

629
00:19:07,730 --> 00:19:08,951
asked cause they knew I had

630
00:19:08,990 --> 00:19:11,171
been in law enforcement where they get a,

631
00:19:11,191 --> 00:19:12,031
they get a call from

632
00:19:12,071 --> 00:19:13,031
somebody said that they

633
00:19:13,051 --> 00:19:14,051
were with a sheriff's

634
00:19:14,112 --> 00:19:15,833
office and they were, um,

635
00:19:16,732 --> 00:19:17,854
following up on people who

636
00:19:17,874 --> 00:19:19,034
had missed jury duty.

637
00:19:19,134 --> 00:19:20,075
Now you might say, well,

638
00:19:20,095 --> 00:19:21,075
I didn't have jury duty,

639
00:19:21,134 --> 00:19:22,096
but they convince you that

640
00:19:22,115 --> 00:19:22,976
you must've missed it.

641
00:19:22,996 --> 00:19:23,696
Then you think, well,

642
00:19:23,717 --> 00:19:24,977
I don't really look at all my mail.

643
00:19:24,997 --> 00:19:25,617
Like I should.

644
00:19:25,958 --> 00:19:26,597
Yeah.

645
00:19:26,837 --> 00:19:28,538
So maybe I did.

646
00:19:28,778 --> 00:19:30,039
Um, it went to the, you know, whatever.

647
00:19:30,259 --> 00:19:30,640
Yeah.

648
00:19:30,680 --> 00:19:32,181
And so they give you two choices and,

649
00:19:32,574 --> 00:19:33,554
So in this example,

650
00:19:33,574 --> 00:19:34,634
they gave you two choices.

651
00:19:35,095 --> 00:19:35,755
They said, okay,

652
00:19:35,775 --> 00:19:38,115
well you can report to the St.

653
00:19:38,135 --> 00:19:39,976
Lucie County court on Monday

654
00:19:39,996 --> 00:19:41,237
at nine o'clock and see the

655
00:19:41,257 --> 00:19:42,517
clerk and clear it up.

656
00:19:43,337 --> 00:19:44,337
Or if you'd like,

657
00:19:44,377 --> 00:19:45,837
you can pay the fine now.

658
00:19:46,598 --> 00:19:50,200
And you know, it's, you just need to,

659
00:19:50,279 --> 00:19:52,200
we'll take a ETF out of

660
00:19:52,220 --> 00:19:53,020
your bank account.

661
00:19:53,621 --> 00:19:54,401
If you'd like to do that,

662
00:19:54,441 --> 00:19:55,340
we can do that right now.

663
00:19:55,382 --> 00:19:58,423
If you'd like to pay the and

664
00:19:58,442 --> 00:19:59,843
how many people in that moment,

665
00:20:01,041 --> 00:20:02,942
In that moment, think, well,

666
00:20:02,982 --> 00:20:05,084
it's fifty bucks of least resistance.

667
00:20:05,104 --> 00:20:05,284
Yeah.

668
00:20:05,544 --> 00:20:05,824
You know,

669
00:20:06,023 --> 00:20:09,086
they add on by they send a they

670
00:20:09,105 --> 00:20:11,105
send an email when you question them.

671
00:20:11,125 --> 00:20:12,227
They sent my friend this

672
00:20:12,366 --> 00:20:15,448
email that looked like a KPS, a warrant,

673
00:20:15,468 --> 00:20:17,108
a civil warrant with your

674
00:20:17,229 --> 00:20:19,250
name on it because you missed jury duty.

675
00:20:19,289 --> 00:20:19,730
And of course,

676
00:20:19,769 --> 00:20:21,550
it's how easy it is to

677
00:20:22,010 --> 00:20:23,971
replicate a public looking document.

678
00:20:23,991 --> 00:20:24,071
Yeah.

679
00:20:24,092 --> 00:20:25,332
Make it look real.

680
00:20:25,432 --> 00:20:25,652
Yeah.

681
00:20:25,731 --> 00:20:26,732
And they just say, OK,

682
00:20:26,792 --> 00:20:28,634
after we receive payment, we will.

683
00:20:29,874 --> 00:20:30,875
Send you a release.

684
00:20:32,517 --> 00:20:33,718
Keep that release in case

685
00:20:33,738 --> 00:20:34,538
you get pulled over and

686
00:20:34,557 --> 00:20:35,839
this warrant's still in the system.

687
00:20:37,500 --> 00:20:38,422
It sounded legit.

688
00:20:38,662 --> 00:20:40,943
Luckily, this friend called and I said,

689
00:20:41,003 --> 00:20:42,005
they don't do this.

690
00:20:42,525 --> 00:20:43,705
They do not do this.

691
00:20:43,865 --> 00:20:46,729
Believe me, they do not do this.

692
00:20:47,288 --> 00:20:48,269
If you want to find out,

693
00:20:48,631 --> 00:20:49,852
call the sheriff's office

694
00:20:49,912 --> 00:20:51,113
and ask them if they do that.

695
00:20:52,253 --> 00:20:53,955
So the IRS doesn't call you.

696
00:20:54,277 --> 00:20:55,218
The sheriff's office,

697
00:20:55,258 --> 00:20:56,259
the police department,

698
00:20:56,640 --> 00:20:57,580
they don't call you.

699
00:20:57,661 --> 00:20:59,784
The tax collector, they don't call you.

700
00:21:00,744 --> 00:21:01,385
They send you a

701
00:21:01,405 --> 00:21:02,688
communication by mail

702
00:21:02,768 --> 00:21:03,709
usually is the way that works.

703
00:21:03,729 --> 00:21:04,410
That's correct.

704
00:21:04,549 --> 00:21:05,191
Yeah.

705
00:21:05,310 --> 00:21:05,951
Yeah.

706
00:21:05,971 --> 00:21:06,613
That's correct.

707
00:21:06,673 --> 00:21:07,173
So-

708
00:21:08,248 --> 00:21:09,409
if you or if you have an

709
00:21:09,548 --> 00:21:10,930
online portal or something

710
00:21:10,970 --> 00:21:12,352
like that you know like I'm

711
00:21:12,372 --> 00:21:15,634
thinking the uh I wonder if

712
00:21:15,773 --> 00:21:17,056
uh social security if you

713
00:21:17,076 --> 00:21:18,997
have a username on on

714
00:21:19,096 --> 00:21:20,077
social security to they

715
00:21:20,198 --> 00:21:21,098
reach out through that do

716
00:21:21,118 --> 00:21:23,121
you think I don't know I

717
00:21:23,161 --> 00:21:24,281
think it's only by mail but

718
00:21:24,382 --> 00:21:26,462
I wonder yeah I think it's

719
00:21:26,502 --> 00:21:27,904
by mail and I think most of

720
00:21:27,924 --> 00:21:28,986
the criminals at least at

721
00:21:29,026 --> 00:21:30,386
this point don't subject

722
00:21:30,426 --> 00:21:32,288
themselves to mail because of the

723
00:21:33,423 --> 00:21:34,224
the, why, uh,

724
00:21:34,265 --> 00:21:36,807
the fraud cases by using the

725
00:21:36,846 --> 00:21:39,028
postal service fence.

726
00:21:39,328 --> 00:21:39,509
Yeah.

727
00:21:39,528 --> 00:21:40,670
They get federal authorities

728
00:21:40,690 --> 00:21:43,051
involved as actually a trail on this.

729
00:21:43,311 --> 00:21:46,555
So, so that's a broad category.

730
00:21:46,575 --> 00:21:48,355
If someone's claiming to be the government,

731
00:21:49,217 --> 00:21:49,356
um,

732
00:21:50,531 --> 00:21:52,593
please don't take their call.

733
00:21:52,732 --> 00:21:55,013
And the other thing that

734
00:21:55,173 --> 00:21:56,855
since I'm focused on some

735
00:21:56,894 --> 00:21:58,075
law enforcement stuff here

736
00:21:58,134 --> 00:21:58,815
is there's a lot of

737
00:21:58,894 --> 00:22:02,076
entities that call you and

738
00:22:02,116 --> 00:22:03,997
they have a very official

739
00:22:04,037 --> 00:22:07,679
sounding name as some type of charity for,

740
00:22:07,959 --> 00:22:08,459
you know,

741
00:22:08,499 --> 00:22:10,920
the police benevolent association or.

742
00:22:11,460 --> 00:22:12,461
I'm glad you brought that up.

743
00:22:12,840 --> 00:22:14,301
I get those calls from time

744
00:22:14,342 --> 00:22:15,761
to time and they always

745
00:22:15,801 --> 00:22:17,863
have like a deep resonant voice too.

746
00:22:18,188 --> 00:22:18,607
They do.

747
00:22:18,647 --> 00:22:19,689
They sound like a retired

748
00:22:19,769 --> 00:22:20,589
old police officer.

749
00:22:20,730 --> 00:22:20,971
Yeah.

750
00:22:21,131 --> 00:22:22,412
And I'm always like, you know,

751
00:22:22,451 --> 00:22:23,032
you're always afraid you're

752
00:22:23,053 --> 00:22:24,013
going to get pulled over

753
00:22:24,294 --> 00:22:27,257
the next day if you don't

754
00:22:27,277 --> 00:22:28,417
donate a little something, right?

755
00:22:28,897 --> 00:22:29,118
Yeah.

756
00:22:29,558 --> 00:22:30,819
I can assure you that ninety

757
00:22:30,900 --> 00:22:31,961
nine percent of there might

758
00:22:31,980 --> 00:22:33,201
be one real one out there

759
00:22:33,221 --> 00:22:35,223
that some that I'm not aware of,

760
00:22:35,964 --> 00:22:37,727
but they're not real.

761
00:22:38,140 --> 00:22:40,361
they're not real um if you

762
00:22:40,381 --> 00:22:41,980
want to make a donation if

763
00:22:42,020 --> 00:22:43,000
something's compelling to

764
00:22:43,020 --> 00:22:44,082
you we just lost three

765
00:22:44,102 --> 00:22:45,402
deputies down here in a

766
00:22:46,001 --> 00:22:47,741
horrific car accident and

767
00:22:47,842 --> 00:22:48,643
you know they're raising

768
00:22:48,702 --> 00:22:49,903
money for their families

769
00:22:50,423 --> 00:22:52,364
but there's gofundme pages

770
00:22:52,423 --> 00:22:55,304
set up you know by by loved

771
00:22:55,463 --> 00:22:56,525
ones and you can validate

772
00:22:56,545 --> 00:22:58,265
those and so forth but if

773
00:22:58,285 --> 00:22:59,464
you just get an incoming

774
00:22:59,505 --> 00:23:02,986
phone call you know please

775
00:23:03,026 --> 00:23:04,487
don't fall for it because

776
00:23:04,666 --> 00:23:05,826
it's not legitimate

777
00:23:06,824 --> 00:23:08,144
Odds are it's not legitimate,

778
00:23:08,184 --> 00:23:09,465
and you're opening up your

779
00:23:09,506 --> 00:23:10,567
heart and your pocketbook

780
00:23:10,586 --> 00:23:11,467
because you want to help

781
00:23:11,487 --> 00:23:12,928
somebody like this.

782
00:23:13,087 --> 00:23:16,330
But most of them, the super majority,

783
00:23:16,471 --> 00:23:17,510
I haven't seen a real one,

784
00:23:17,530 --> 00:23:18,832
but I just don't want to preclude it.

785
00:23:19,333 --> 00:23:20,673
And if there is a real one,

786
00:23:20,693 --> 00:23:21,773
you can validate that by

787
00:23:21,814 --> 00:23:22,595
calling the sheriff's

788
00:23:22,674 --> 00:23:25,416
office in this case and saying,

789
00:23:25,457 --> 00:23:26,337
I saw that your three

790
00:23:26,357 --> 00:23:27,377
deputies were killed.

791
00:23:27,657 --> 00:23:28,338
I'd like to help.

792
00:23:29,025 --> 00:23:30,766
How can I do that rather

793
00:23:30,786 --> 00:23:31,807
than getting some link?

794
00:23:33,748 --> 00:23:34,628
The same thing goes for

795
00:23:34,669 --> 00:23:35,950
links on social media.

796
00:23:35,990 --> 00:23:36,990
They may or may not be

797
00:23:37,050 --> 00:23:38,111
legitimate charities.

798
00:23:40,633 --> 00:23:42,173
There's plenty of scams there.

799
00:23:42,914 --> 00:23:44,195
I hope we're not scaring people.

800
00:23:44,256 --> 00:23:45,737
I know, really.

801
00:23:47,377 --> 00:23:48,919
I'll share a recent one.

802
00:23:49,499 --> 00:23:51,101
My mom called me just yesterday.

803
00:23:52,179 --> 00:23:54,702
I think it was last night just saying, Hey,

804
00:23:54,762 --> 00:23:55,103
I got,

805
00:23:55,304 --> 00:23:58,048
I got something that your student

806
00:23:58,087 --> 00:23:59,068
loans are overdue.

807
00:23:59,128 --> 00:23:59,450
Should I,

808
00:24:00,230 --> 00:24:01,951
should I do you know like

809
00:24:01,971 --> 00:24:03,413
worried that I was going to

810
00:24:03,452 --> 00:24:04,753
have a credit problem from

811
00:24:05,555 --> 00:24:07,355
something that uh you know

812
00:24:07,375 --> 00:24:10,498
was bogus right so um I was

813
00:24:10,518 --> 00:24:12,058
like oh you don't worry

814
00:24:12,078 --> 00:24:13,199
about that our student

815
00:24:13,219 --> 00:24:15,000
loans my student loans were

816
00:24:15,020 --> 00:24:17,342
paid a long time ago and uh

817
00:24:17,741 --> 00:24:19,202
our kids are also you know

818
00:24:19,222 --> 00:24:20,703
so don't worry about it

819
00:24:20,804 --> 00:24:22,786
it's it's it's a it's a

820
00:24:22,826 --> 00:24:23,865
come on you know there's

821
00:24:24,186 --> 00:24:25,007
but there's all there's so

822
00:24:25,027 --> 00:24:26,248
many creative ones I don't

823
00:24:26,268 --> 00:24:27,568
know how they keep coming up with them

824
00:24:28,273 --> 00:24:30,576
but they keep coming up with

825
00:24:30,596 --> 00:24:32,498
them because it's a numbers game, right?

826
00:24:32,518 --> 00:24:32,617
Right.

827
00:24:33,358 --> 00:24:33,818
Yep.

828
00:24:34,339 --> 00:24:35,881
And as soon as one idea is

829
00:24:35,921 --> 00:24:37,382
saturated and the public is

830
00:24:37,542 --> 00:24:38,844
reasonably well informed.

831
00:24:39,064 --> 00:24:40,505
Yeah.

832
00:24:40,525 --> 00:24:41,566
I mean this, you know, you,

833
00:24:41,605 --> 00:24:43,788
you joked about the Nigerian prince,

834
00:24:44,269 --> 00:24:45,170
but that's a joke now

835
00:24:45,210 --> 00:24:46,651
because everybody kind of gets it,

836
00:24:46,711 --> 00:24:48,492
but we've seen it so long.

837
00:24:48,512 --> 00:24:49,314
Yeah.

838
00:24:49,334 --> 00:24:50,114
When it started,

839
00:24:50,375 --> 00:24:52,236
people were falling for it that they,

840
00:24:52,336 --> 00:24:53,778
or they had won some lottery.

841
00:24:53,857 --> 00:24:54,077
Right.

842
00:24:54,880 --> 00:24:56,340
You just need to pay the

843
00:24:56,361 --> 00:24:57,981
five hundred dollar processing fee.

844
00:24:59,903 --> 00:25:00,784
It'll be between us.

845
00:25:01,243 --> 00:25:03,405
That's right.

846
00:25:03,445 --> 00:25:05,207
Then the other common one

847
00:25:05,247 --> 00:25:07,208
that maybe we'll end on and

848
00:25:07,228 --> 00:25:08,429
shift gears a little bit

849
00:25:08,989 --> 00:25:10,029
but is if someone's

850
00:25:10,730 --> 00:25:11,891
offering to send you a

851
00:25:11,951 --> 00:25:14,073
check for something and

852
00:25:14,093 --> 00:25:15,973
then they just need you to

853
00:25:16,013 --> 00:25:17,154
send them a little money to

854
00:25:17,234 --> 00:25:18,596
get it started or something?

855
00:25:18,675 --> 00:25:19,076
No.

856
00:25:19,915 --> 00:25:21,837
I had this a couple times

857
00:25:21,877 --> 00:25:23,959
when I was a practicing attorney is that

858
00:25:25,075 --> 00:25:26,395
They'll send you a check for

859
00:25:26,455 --> 00:25:27,936
payment or they'll say,

860
00:25:27,957 --> 00:25:28,678
I'm going to send you this

861
00:25:28,718 --> 00:25:29,618
check for payment.

862
00:25:29,858 --> 00:25:32,101
Oh, and then they'll call you back and say,

863
00:25:32,161 --> 00:25:32,560
you know what?

864
00:25:32,800 --> 00:25:33,300
I mailed it.

865
00:25:33,382 --> 00:25:36,564
It's for too much.

866
00:25:36,703 --> 00:25:39,486
I only, you know, I sent you, you know,

867
00:25:39,746 --> 00:25:40,366
X dollars.

868
00:25:40,487 --> 00:25:41,907
Could you mind just sending me back?

869
00:25:42,067 --> 00:25:42,969
Could you write a check for

870
00:25:43,009 --> 00:25:44,190
the difference that I received?

871
00:25:45,009 --> 00:25:45,150
Right.

872
00:25:45,170 --> 00:25:46,531
You check for five thousand.

873
00:25:46,571 --> 00:25:48,853
Just send me the one thousand back.

874
00:25:48,873 --> 00:25:50,074
The four thousand is for

875
00:25:50,094 --> 00:25:51,234
this business that you're

876
00:25:51,255 --> 00:25:52,096
going to run or this

877
00:25:52,175 --> 00:25:52,896
product you're going to

878
00:25:52,936 --> 00:25:54,298
sell for me to go buy it.

879
00:25:54,337 --> 00:25:55,778
Are you going to be a secret shopper?

880
00:25:56,219 --> 00:25:58,020
So this is for your purchases.

881
00:25:58,121 --> 00:25:58,340
Right.

882
00:25:59,061 --> 00:26:00,843
And so they send you a bank

883
00:26:00,883 --> 00:26:03,424
check usually with some

884
00:26:03,464 --> 00:26:05,205
name that sounds like a good bank.

885
00:26:05,266 --> 00:26:07,508
Chris Boyd's bank could be right on it.

886
00:26:07,567 --> 00:26:08,608
Jeff Berry's bank.

887
00:26:09,049 --> 00:26:09,309
Right.

888
00:26:10,140 --> 00:26:12,020
And sometimes they're even Canadian banks,

889
00:26:12,040 --> 00:26:13,602
which delays the processing.

890
00:26:14,182 --> 00:26:15,163
It's not a Canadian bank.

891
00:26:15,202 --> 00:26:17,003
Sometimes it's Canadian bank

892
00:26:17,044 --> 00:26:18,505
routing or whatever.

893
00:26:18,525 --> 00:26:18,724
Right.

894
00:26:19,265 --> 00:26:21,366
And so what happens is you take your check,

895
00:26:21,386 --> 00:26:22,307
you bring it to your bank,

896
00:26:22,346 --> 00:26:24,488
you put it in the bank and

897
00:26:24,688 --> 00:26:26,229
three or four days goes by.

898
00:26:26,529 --> 00:26:28,250
Like where's my money?

899
00:26:28,330 --> 00:26:29,611
No, the money is still there,

900
00:26:29,671 --> 00:26:30,711
but because the check is

901
00:26:30,771 --> 00:26:32,873
fraudulent and perhaps at a

902
00:26:32,913 --> 00:26:33,513
different country,

903
00:26:33,554 --> 00:26:34,794
but even if it's fraudulent,

904
00:26:35,114 --> 00:26:36,894
the process slows it down

905
00:26:37,076 --> 00:26:37,935
because it just doesn't

906
00:26:38,036 --> 00:26:39,356
automatically go through.

907
00:26:40,810 --> 00:26:41,730
And so in the meantime,

908
00:26:41,770 --> 00:26:43,152
you sent back a legitimate

909
00:26:43,192 --> 00:26:45,232
check for that thousand dollars,

910
00:26:45,272 --> 00:26:46,932
they cash it, which is a real check.

911
00:26:47,814 --> 00:26:50,634
And by the time this happens,

912
00:26:50,674 --> 00:26:51,434
because people aren't

913
00:26:51,454 --> 00:26:52,055
checking their bank

914
00:26:52,095 --> 00:26:53,415
accounts every day also,

915
00:26:55,497 --> 00:26:58,077
you're out the money and

916
00:26:58,097 --> 00:26:59,057
there's no one to get it

917
00:26:59,077 --> 00:27:02,919
back from because that they

918
00:27:02,939 --> 00:27:04,220
were never real in the first place.

919
00:27:05,355 --> 00:27:07,038
It's not an insufficient funds check.

920
00:27:07,077 --> 00:27:08,038
It's a full check.

921
00:27:08,138 --> 00:27:08,558
It's all made up.

922
00:27:08,659 --> 00:27:09,700
It's a bogus check,

923
00:27:09,759 --> 00:27:12,323
so there's nothing to be obtained.

924
00:27:12,343 --> 00:27:16,146
I would also, just as a rule of thumb,

925
00:27:16,346 --> 00:27:17,807
if anyone is asking you to

926
00:27:18,769 --> 00:27:20,770
send them money and gift

927
00:27:20,810 --> 00:27:21,872
cards of some kind,

928
00:27:23,173 --> 00:27:24,275
that's probably not legit.

929
00:27:24,295 --> 00:27:24,414
Yeah.

930
00:27:26,631 --> 00:27:28,112
it yeah it isn't legit or

931
00:27:28,132 --> 00:27:29,313
that even worse they're

932
00:27:29,353 --> 00:27:31,035
asking you to get the gift

933
00:27:31,055 --> 00:27:32,375
card and read them the code

934
00:27:32,796 --> 00:27:35,038
yeah so don't do that don't

935
00:27:35,077 --> 00:27:36,318
do that that's not that's

936
00:27:36,338 --> 00:27:37,579
not legit charities don't

937
00:27:37,619 --> 00:27:39,480
collect money this way uh

938
00:27:40,041 --> 00:27:40,922
law enforcement doesn't

939
00:27:40,962 --> 00:27:42,903
collect bail money this way

940
00:27:43,364 --> 00:27:45,286
um you don't and you know

941
00:27:45,425 --> 00:27:46,366
we haven't even mentioned

942
00:27:46,386 --> 00:27:47,867
it but cryptocurrency is

943
00:27:48,648 --> 00:27:49,608
another method that

944
00:27:49,789 --> 00:27:51,070
sometimes fraudster will

945
00:27:51,310 --> 00:27:53,593
will ask you to buy a certain amount of

946
00:27:54,743 --> 00:27:55,904
Pick your cryptocurrency.

947
00:27:55,964 --> 00:27:58,106
Bitcoin is the most common cryptocurrency.

948
00:27:58,887 --> 00:28:01,130
And then transfer it to us and so forth,

949
00:28:01,150 --> 00:28:01,450
right?

950
00:28:01,569 --> 00:28:06,595
Right, exactly.

951
00:28:06,634 --> 00:28:07,855
Just don't do it.

952
00:28:09,076 --> 00:28:10,638
On the topic of fraud,

953
00:28:10,798 --> 00:28:12,400
let's spend a few minutes, Chris,

954
00:28:12,661 --> 00:28:13,340
if we have time.

955
00:28:13,902 --> 00:28:15,143
Yeah, I just mentioned,

956
00:28:15,282 --> 00:28:16,124
and maybe this is where

957
00:28:16,144 --> 00:28:16,944
you're going with this,

958
00:28:17,105 --> 00:28:18,865
but all this talk about

959
00:28:18,905 --> 00:28:20,667
this kind of stuff raises the thought

960
00:28:21,425 --> 00:28:22,207
From time to time,

961
00:28:22,247 --> 00:28:23,428
it's probably a good idea

962
00:28:23,488 --> 00:28:24,949
to do a credit check.

963
00:28:26,509 --> 00:28:28,590
And you can always take a look.

964
00:28:28,611 --> 00:28:29,971
There's lots of ways you can

965
00:28:30,011 --> 00:28:31,653
do this with the credit

966
00:28:32,994 --> 00:28:33,934
companies themselves.

967
00:28:33,954 --> 00:28:35,195
But you can go to

968
00:28:35,256 --> 00:28:38,558
freecreditreport.com as a

969
00:28:38,598 --> 00:28:41,701
way to take a look at your

970
00:28:42,781 --> 00:28:45,864
credit and look for any

971
00:28:46,644 --> 00:28:48,605
identity theft or that kind of thing.

972
00:28:48,933 --> 00:28:49,253
Right.

973
00:28:49,273 --> 00:28:49,513
That's,

974
00:28:49,634 --> 00:28:51,194
that's exactly where I wanted to

975
00:28:51,276 --> 00:28:52,375
transition because

976
00:28:52,957 --> 00:28:54,156
sometimes they're just stealing your,

977
00:28:54,657 --> 00:28:55,718
we've given a bunch of

978
00:28:55,778 --> 00:28:56,638
examples of where they're

979
00:28:56,679 --> 00:28:58,519
stealing your information or your money.

980
00:28:59,421 --> 00:29:00,601
When they steal your information,

981
00:29:00,621 --> 00:29:02,643
they're not just getting

982
00:29:02,663 --> 00:29:04,022
your information for no reason.

983
00:29:04,103 --> 00:29:06,224
They intend to do something with it.

984
00:29:06,444 --> 00:29:08,105
And sometimes it's creating

985
00:29:08,165 --> 00:29:09,067
a whole new account,

986
00:29:10,748 --> 00:29:11,907
applying for a credit card

987
00:29:11,928 --> 00:29:14,589
or whatever the case may be in your name.

988
00:29:15,503 --> 00:29:15,785
Um,

989
00:29:15,845 --> 00:29:17,788
so you'll see that when you check your

990
00:29:17,807 --> 00:29:18,328
credit report,

991
00:29:18,348 --> 00:29:21,374
you'll see that you have this.

992
00:29:21,394 --> 00:29:21,794
You're like,

993
00:29:21,894 --> 00:29:24,057
I don't remember having a bank

994
00:29:24,097 --> 00:29:26,060
of America credit card or whatever it is,

995
00:29:26,141 --> 00:29:26,402
you know?

996
00:29:26,642 --> 00:29:27,383
That's right.

997
00:29:27,683 --> 00:29:27,723
Um,

998
00:29:28,705 --> 00:29:28,925
worse.

999
00:29:28,945 --> 00:29:29,346
I mean,

1000
00:29:29,366 --> 00:29:30,847
when there's like people going out

1001
00:29:30,887 --> 00:29:32,328
buying houses or something, right.

1002
00:29:32,368 --> 00:29:33,170
Isn't there stuff like

1003
00:29:33,190 --> 00:29:35,211
people trying to sell your

1004
00:29:35,270 --> 00:29:36,612
house out from under you or something?

1005
00:29:36,731 --> 00:29:38,913
I've heard some of these crazy stories.

1006
00:29:39,315 --> 00:29:43,577
I'm not sure that the insurance is, uh,

1007
00:29:43,617 --> 00:29:43,817
you know,

1008
00:29:43,837 --> 00:29:44,858
there's an insurance product

1009
00:29:44,878 --> 00:29:46,339
that you might hear advertised.

1010
00:29:47,161 --> 00:29:47,320
Um,

1011
00:29:48,185 --> 00:29:49,307
They're not doing anything

1012
00:29:49,887 --> 00:29:50,788
that you can't do.

1013
00:29:50,949 --> 00:29:52,150
This is all public record.

1014
00:29:52,190 --> 00:29:53,730
So they're not doing

1015
00:29:53,790 --> 00:29:55,573
anything that you can't do on your own.

1016
00:29:55,613 --> 00:29:57,835
You can check your county online.

1017
00:29:57,996 --> 00:29:59,017
I'd say in ninety nine

1018
00:29:59,037 --> 00:30:00,337
percent of the counties in the country,

1019
00:30:00,357 --> 00:30:01,219
you can check your.

1020
00:30:02,839 --> 00:30:03,701
It's not really checking

1021
00:30:03,740 --> 00:30:05,383
your deed because it really, you know,

1022
00:30:05,423 --> 00:30:06,864
you're checking the chain of title.

1023
00:30:07,285 --> 00:30:07,525
Yeah.

1024
00:30:07,585 --> 00:30:08,486
See if anybody's done

1025
00:30:08,586 --> 00:30:10,968
anything on your title and

1026
00:30:10,988 --> 00:30:11,648
you can check that.

1027
00:30:13,752 --> 00:30:14,413
know you put on your

1028
00:30:14,432 --> 00:30:15,394
calendar to check annually

1029
00:30:15,433 --> 00:30:17,174
or quarterly and just to

1030
00:30:17,214 --> 00:30:18,096
make sure there's nothing

1031
00:30:18,175 --> 00:30:19,596
after your purchase or no

1032
00:30:19,636 --> 00:30:24,440
mortgages on it or so sorry

1033
00:30:24,460 --> 00:30:25,580
I just say if you paid for

1034
00:30:25,601 --> 00:30:27,301
the insurance they're just

1035
00:30:27,541 --> 00:30:28,742
doing it for you and it's

1036
00:30:28,803 --> 00:30:30,304
in an automated fashion and

1037
00:30:30,344 --> 00:30:31,525
they're not preventing it

1038
00:30:31,545 --> 00:30:33,205
they're informing you that

1039
00:30:33,266 --> 00:30:34,287
somebody did it yeah right

1040
00:30:35,027 --> 00:30:37,209
and you can check yourself for nothing

1041
00:30:37,818 --> 00:30:38,618
So we've talked about this

1042
00:30:38,699 --> 00:30:41,400
notion about freezing your credit,

1043
00:30:43,000 --> 00:30:44,820
this ability so that if

1044
00:30:44,840 --> 00:30:49,402
someone tries to take out a

1045
00:30:49,422 --> 00:30:51,281
loan as if they're you,

1046
00:30:52,462 --> 00:30:54,462
they would be unable to do

1047
00:30:54,502 --> 00:30:55,182
that because you need a

1048
00:30:55,222 --> 00:30:56,743
credit report to be able to do that.

1049
00:30:57,124 --> 00:30:59,243
And this is something that

1050
00:30:59,663 --> 00:31:00,984
can be a possibility,

1051
00:31:01,045 --> 00:31:03,005
but it's definitely an inconvenience.

1052
00:31:03,085 --> 00:31:04,585
So you have to be deliberate

1053
00:31:04,605 --> 00:31:05,806
about being able to turn it

1054
00:31:05,885 --> 00:31:06,645
on and turn it off.

1055
00:31:07,759 --> 00:31:09,220
when you do that approach to

1056
00:31:09,259 --> 00:31:10,040
freezing credit.

1057
00:31:10,500 --> 00:31:12,501
We're in a world now, Jeff,

1058
00:31:12,541 --> 00:31:14,702
where we now have to think

1059
00:31:14,742 --> 00:31:17,384
about multi-factor inconvenience.

1060
00:31:17,525 --> 00:31:18,664
I mean, authentication.

1061
00:31:20,226 --> 00:31:21,006
You know, it's like,

1062
00:31:21,146 --> 00:31:22,887
not only do you have to have a password,

1063
00:31:22,948 --> 00:31:24,709
now the password has to be, you know,

1064
00:31:24,828 --> 00:31:26,209
changed every so often.

1065
00:31:26,269 --> 00:31:28,190
And it has to be not, you know,

1066
00:31:28,510 --> 00:31:30,652
four letters or numbers, but, you know,

1067
00:31:30,751 --> 00:31:31,612
eight letters or numbers.

1068
00:31:31,672 --> 00:31:32,813
No, it's got to be twelve, eight, or,

1069
00:31:32,853 --> 00:31:34,094
you know, all these, like,

1070
00:31:34,153 --> 00:31:35,974
longer and longer characters and

1071
00:31:36,714 --> 00:31:38,275
And now you got to have two

1072
00:31:38,295 --> 00:31:39,036
things come in.

1073
00:31:39,155 --> 00:31:39,935
One's going to hit you with

1074
00:31:39,955 --> 00:31:41,115
a text and the others, you know,

1075
00:31:41,135 --> 00:31:43,297
you put in your password or whatever.

1076
00:31:43,436 --> 00:31:43,696
Right.

1077
00:31:43,856 --> 00:31:44,596
It's right.

1078
00:31:44,676 --> 00:31:46,518
It gets to a point where, I mean,

1079
00:31:47,458 --> 00:31:48,097
it's pretty darn

1080
00:31:48,137 --> 00:31:50,259
frustrating to have to have this,

1081
00:31:50,459 --> 00:31:52,878
but it's for protection so

1082
00:31:52,898 --> 00:31:53,920
that you don't have these

1083
00:31:53,960 --> 00:31:55,480
kind of frustrations where

1084
00:31:56,200 --> 00:31:57,340
someone's running off with

1085
00:31:57,421 --> 00:31:58,621
your money in one form or

1086
00:31:58,641 --> 00:32:00,942
another or your your credit,

1087
00:32:00,981 --> 00:32:02,662
your identity, et cetera, et cetera.

1088
00:32:03,040 --> 00:32:03,781
Right.

1089
00:32:03,882 --> 00:32:06,863
If you're, if you're financial situation,

1090
00:32:06,942 --> 00:32:09,164
I mean, you're, you're like stable,

1091
00:32:09,224 --> 00:32:11,165
meaning you're not opening new cards.

1092
00:32:11,185 --> 00:32:12,767
You're not opening new bank accounts.

1093
00:32:12,787 --> 00:32:14,268
You're not out shopping for

1094
00:32:14,288 --> 00:32:15,308
insurance quotes because

1095
00:32:15,348 --> 00:32:16,409
sometimes they're related

1096
00:32:16,489 --> 00:32:17,930
to your credit score.

1097
00:32:18,009 --> 00:32:20,592
So if you're just kind of, I have my stuff,

1098
00:32:21,132 --> 00:32:22,972
I'm in this, I have my bank accounts.

1099
00:32:23,074 --> 00:32:25,494
I have these credit lines that I have.

1100
00:32:25,755 --> 00:32:26,655
I have this insurance.

1101
00:32:26,675 --> 00:32:27,816
I'm, I'm all happy with it.

1102
00:32:27,916 --> 00:32:28,656
I'm an advocate.

1103
00:32:29,089 --> 00:32:30,830
to freeze your credit reports.

1104
00:32:30,891 --> 00:32:32,132
It's a peace of mind thing.

1105
00:32:33,372 --> 00:32:33,852
But you're right.

1106
00:32:33,893 --> 00:32:35,073
You do have to be aware if

1107
00:32:35,113 --> 00:32:36,874
you go to buy a new car and

1108
00:32:36,894 --> 00:32:38,674
you think you might want to

1109
00:32:38,875 --> 00:32:40,736
explore a loan on it or if

1110
00:32:40,776 --> 00:32:43,156
you're shopping around for

1111
00:32:43,196 --> 00:32:44,258
new auto insurance,

1112
00:32:44,417 --> 00:32:44,958
you're going to have to

1113
00:32:45,038 --> 00:32:46,179
unfreeze it before you do

1114
00:32:46,219 --> 00:32:48,019
that or you won't be able

1115
00:32:48,039 --> 00:32:50,780
to get the vendor,

1116
00:32:50,980 --> 00:32:52,221
the car dealer or the

1117
00:32:52,261 --> 00:32:53,242
insurance company won't be

1118
00:32:53,282 --> 00:32:54,403
able to get a credit score

1119
00:32:54,423 --> 00:32:55,923
or a credit report when they ask for one.

1120
00:32:57,540 --> 00:32:58,821
So I do it.

1121
00:33:00,022 --> 00:33:01,704
My credit is frozen because I don't.

1122
00:33:01,724 --> 00:33:03,307
I think it's prudent.

1123
00:33:03,586 --> 00:33:06,690
It's challenging.

1124
00:33:06,890 --> 00:33:08,652
And then so you think those

1125
00:33:12,701 --> 00:33:16,364
Services where you get protection,

1126
00:33:16,443 --> 00:33:17,084
air quotes,

1127
00:33:17,403 --> 00:33:20,664
is maybe more just reporting than it is.

1128
00:33:21,986 --> 00:33:22,185
I do.

1129
00:33:23,287 --> 00:33:23,507
I do.

1130
00:33:23,586 --> 00:33:24,846
And I'm not, you know,

1131
00:33:25,307 --> 00:33:26,607
if people feel comfortable

1132
00:33:26,627 --> 00:33:27,788
with it and they think it's

1133
00:33:27,887 --> 00:33:28,568
worth the money.

1134
00:33:29,229 --> 00:33:30,429
to not have to do it themselves.

1135
00:33:30,890 --> 00:33:33,390
Maybe that's value.

1136
00:33:33,410 --> 00:33:33,830
That's fine.

1137
00:33:34,530 --> 00:33:36,570
People pay for coffee to

1138
00:33:36,590 --> 00:33:37,311
have it made for them.

1139
00:33:37,832 --> 00:33:39,031
And some people make it at home.

1140
00:33:39,412 --> 00:33:40,593
So it's not a value judgment.

1141
00:33:40,613 --> 00:33:41,153
I'm just saying,

1142
00:33:41,192 --> 00:33:42,012
don't think you're getting

1143
00:33:42,272 --> 00:33:43,213
this super protection.

1144
00:33:43,253 --> 00:33:44,233
It can still happen.

1145
00:33:46,414 --> 00:33:48,996
But you'd be alerted to it

1146
00:33:49,115 --> 00:33:50,236
in that scenario.

1147
00:33:50,836 --> 00:33:52,096
As we wind down,

1148
00:33:52,136 --> 00:33:53,076
there might be other things

1149
00:33:53,116 --> 00:33:54,217
you wanted to cover, Jeff.

1150
00:33:54,237 --> 00:33:55,958
But one thing I wanted to remind everyone,

1151
00:33:55,998 --> 00:33:57,157
if you want to hear more

1152
00:33:57,178 --> 00:33:58,679
about scams and schemes,

1153
00:33:59,445 --> 00:34:00,105
in June,

1154
00:34:00,365 --> 00:34:01,767
on the June tenth episode of

1155
00:34:01,807 --> 00:34:02,926
Something More with Chris Boyd,

1156
00:34:03,007 --> 00:34:04,487
we spoke with Bob Powell

1157
00:34:04,867 --> 00:34:06,528
about this very topic and

1158
00:34:06,807 --> 00:34:08,268
there'll probably be some

1159
00:34:08,329 --> 00:34:09,489
more tidbits you might

1160
00:34:09,568 --> 00:34:10,869
benefit from that as well.

1161
00:34:12,150 --> 00:34:13,230
Was there anything else you

1162
00:34:13,250 --> 00:34:14,050
wanted to cover, Jeff?

1163
00:34:14,190 --> 00:34:16,811
No, we could go on indefinitely,

1164
00:34:16,851 --> 00:34:18,831
but I guess I'll end my

1165
00:34:18,871 --> 00:34:20,152
comment on where I started

1166
00:34:20,211 --> 00:34:23,632
it is even if you are

1167
00:34:23,833 --> 00:34:25,313
reasonably confident that

1168
00:34:25,373 --> 00:34:26,693
whatever you're looking at is real,

1169
00:34:26,753 --> 00:34:27,693
just pause.

1170
00:34:28,748 --> 00:34:28,929
You know,

1171
00:34:28,949 --> 00:34:30,590
and think about how did I receive

1172
00:34:30,610 --> 00:34:31,592
this information?

1173
00:34:32,333 --> 00:34:34,554
And there's nothing wrong

1174
00:34:34,594 --> 00:34:37,376
with telling someone, I hear you,

1175
00:34:37,458 --> 00:34:38,518
I'm going to deal with this.

1176
00:34:39,800 --> 00:34:42,682
Give me your number and hang up or let the,

1177
00:34:43,143 --> 00:34:44,744
you know, if it's in person.

1178
00:34:45,545 --> 00:34:46,947
Good counsel, Jeff.

1179
00:34:47,146 --> 00:34:47,748
Step back.

1180
00:34:49,349 --> 00:34:50,771
Don't get caught up in this.

1181
00:34:52,054 --> 00:34:53,436
intended haste.

1182
00:34:53,896 --> 00:34:54,456
That's right.

1183
00:34:54,916 --> 00:34:57,117
Because it might catch you off guard.

1184
00:34:57,237 --> 00:34:59,239
Whereas if you can slow it down,

1185
00:34:59,679 --> 00:35:02,081
you have a moment to catch your breath.

1186
00:35:02,260 --> 00:35:04,021
Maybe you'll have the opportunity to say,

1187
00:35:04,222 --> 00:35:05,322
let me check on this.

1188
00:35:06,643 --> 00:35:09,405
Let me make sure this is the legit.

1189
00:35:09,465 --> 00:35:11,505
And if you don't have to

1190
00:35:12,427 --> 00:35:13,487
call the sheriff's office,

1191
00:35:13,568 --> 00:35:14,768
if that makes you nervous,

1192
00:35:16,349 --> 00:35:18,250
you can call a friend and say,

1193
00:35:18,289 --> 00:35:19,150
this just happened.

1194
00:35:19,170 --> 00:35:20,271
Does this make sense to you?

1195
00:35:20,351 --> 00:35:21,052
You can call

1196
00:35:21,532 --> 00:35:22,813
If you have a financial advisor,

1197
00:35:22,853 --> 00:35:24,755
I'd love you to call us, you know,

1198
00:35:24,795 --> 00:35:25,494
our clients.

1199
00:35:25,715 --> 00:35:26,695
Yeah.

1200
00:35:26,815 --> 00:35:27,655
Some of these things you can

1201
00:35:27,695 --> 00:35:29,416
even just Google.

1202
00:35:29,916 --> 00:35:31,117
That's right.

1203
00:35:31,137 --> 00:35:32,318
And there'll be all kinds of

1204
00:35:32,797 --> 00:35:33,878
insights about, you know,

1205
00:35:33,918 --> 00:35:35,460
some of these scams that are repeated.

1206
00:35:36,460 --> 00:35:36,980
Yeah.

1207
00:35:37,001 --> 00:35:38,460
You'll be able to identify

1208
00:35:38,740 --> 00:35:40,822
just with a quick search sometimes.

1209
00:35:40,842 --> 00:35:40,922
Yeah.

1210
00:35:40,942 --> 00:35:41,983
You can put anything that's

1211
00:35:42,003 --> 00:35:42,983
happening and put the word

1212
00:35:43,003 --> 00:35:44,784
scam after it and it will

1213
00:35:45,344 --> 00:35:46,264
highlight everything.

1214
00:35:46,980 --> 00:35:49,561
you know, the likely related subjects.

1215
00:35:49,681 --> 00:35:51,581
So just pause, talk to somebody,

1216
00:35:52,202 --> 00:35:53,422
even if it's little Johnny,

1217
00:35:54,003 --> 00:35:56,585
potentially in handcuffs behind,

1218
00:35:56,605 --> 00:36:00,387
behind the prison cells, you know,

1219
00:36:00,427 --> 00:36:01,266
five more minutes,

1220
00:36:01,347 --> 00:36:03,987
isn't going to change this, you know,

1221
00:36:04,009 --> 00:36:05,088
just, just pause,

1222
00:36:05,148 --> 00:36:08,231
talk to somebody and you

1223
00:36:08,271 --> 00:36:09,331
could be saving yourself a

1224
00:36:09,351 --> 00:36:10,771
lot of headache and a lot of money.

1225
00:36:11,152 --> 00:36:12,192
Because it can happen to you.

1226
00:36:12,211 --> 00:36:13,273
It can happen to all of us.

1227
00:36:13,353 --> 00:36:14,733
None of us are beyond

1228
00:36:15,492 --> 00:36:16,472
falling for something.

1229
00:36:16,793 --> 00:36:19,213
It's a huge fraudulent industry.

1230
00:36:19,773 --> 00:36:20,815
And there's a lot of money

1231
00:36:20,835 --> 00:36:23,414
that's transacted by virtue

1232
00:36:23,474 --> 00:36:25,735
of people unwittingly

1233
00:36:26,215 --> 00:36:28,677
falling prey to these kind of tactics.

1234
00:36:29,197 --> 00:36:32,597
So as much as we all think, well,

1235
00:36:32,978 --> 00:36:33,938
it doesn't happen to me.

1236
00:36:34,117 --> 00:36:35,219
It can happen to anybody.

1237
00:36:35,318 --> 00:36:36,018
It can.

1238
00:36:36,059 --> 00:36:36,358
It can.

1239
00:36:37,159 --> 00:36:37,438
All right.

1240
00:36:37,498 --> 00:36:39,079
Well, uh, good thoughts.

1241
00:36:39,099 --> 00:36:42,481
Uh, let's, I mean, tough, tough topic here,

1242
00:36:42,521 --> 00:36:42,802
Jeff.

1243
00:36:42,822 --> 00:36:44,242
I mean, there's a little scary stuff,

1244
00:36:44,302 --> 00:36:44,543
right?

1245
00:36:44,963 --> 00:36:46,804
But we, you know, knowledge is power.

1246
00:36:47,025 --> 00:36:48,125
Want to make sure that

1247
00:36:48,706 --> 00:36:49,945
you're in a better position.

1248
00:36:50,005 --> 00:36:51,146
If you see these things,

1249
00:36:51,166 --> 00:36:52,867
if they come up across your

1250
00:36:53,367 --> 00:36:55,568
email or your phone call or whatever,

1251
00:36:55,989 --> 00:36:57,070
you're in a better position

1252
00:36:57,110 --> 00:36:58,291
to be prepared.

1253
00:36:58,411 --> 00:36:58,630
Yep.

1254
00:36:58,791 --> 00:37:00,851
So, uh, with that, everybody,

1255
00:37:00,891 --> 00:37:02,112
thanks for being with us.

1256
00:37:02,472 --> 00:37:03,753
Um, until next time,

1257
00:37:03,873 --> 00:37:05,335
keep striving for something more.

1258
00:37:06,572 --> 00:37:07,653
Thank you for listening to

1259
00:37:07,733 --> 00:37:09,235
Something More with Chris Boyd.

1260
00:37:09,594 --> 00:37:10,414
Call us for help,

1261
00:37:10,715 --> 00:37:11,795
whether it's for financial

1262
00:37:11,856 --> 00:37:13,556
planning or portfolio management,

1263
00:37:13,936 --> 00:37:14,998
insurance concerns,

1264
00:37:15,358 --> 00:37:16,579
or those quality of life

1265
00:37:16,639 --> 00:37:17,719
issues that make the money

1266
00:37:17,759 --> 00:37:18,880
matters matter.

1267
00:37:19,179 --> 00:37:20,161
Whatever's on your mind,

1268
00:37:20,280 --> 00:37:21,021
visit us at

1269
00:37:21,061 --> 00:37:23,001
somethingmorewithchrisboyd.com

1270
00:37:23,521 --> 00:37:25,884
or call us toll free at eight, six, six,

1271
00:37:26,224 --> 00:37:29,266
seven, seven, one, eight, nine, zero, one,

1272
00:37:29,585 --> 00:37:30,846
or send us your questions

1273
00:37:30,885 --> 00:37:35,048
to amr-info at wealthenhancement.com.

1274
00:37:35,548 --> 00:37:36,088
you're listening to

1275
00:37:36,148 --> 00:37:36,969
something more with chris

1276
00:37:37,030 --> 00:37:38,090
boyd financial talk show

1277
00:37:38,130 --> 00:37:39,210
wealth enhancement advisory

1278
00:37:39,251 --> 00:37:39,972
services and jay

1279
00:37:39,992 --> 00:37:40,952
christopher boyd provide

1280
00:37:40,972 --> 00:37:41,932
investment advice on an

1281
00:37:42,032 --> 00:37:43,293
individual basis to clients

1282
00:37:43,313 --> 00:37:44,574
only proper advice depends

1283
00:37:44,614 --> 00:37:45,655
on a complete analysis of

1284
00:37:45,755 --> 00:37:47,016
all facts and circumstances

1285
00:37:47,137 --> 00:37:47,996
the information given on

1286
00:37:48,016 --> 00:37:48,998
this program is general

1287
00:37:49,018 --> 00:37:49,878
financial comments and

1288
00:37:49,918 --> 00:37:50,998
cannot be relied upon as

1289
00:37:51,018 --> 00:37:52,079
pertaining to your specific

1290
00:37:52,119 --> 00:37:52,940
situation wealth

1291
00:37:52,960 --> 00:37:53,780
enhancement group cannot

1292
00:37:53,800 --> 00:37:54,721
guarantee that using the

1293
00:37:54,760 --> 00:37:55,702
information from this show

1294
00:37:55,742 --> 00:37:56,702
will generate profits or

1295
00:37:56,762 --> 00:37:57,902
ensure freedom from loss

1296
00:37:58,063 --> 00:37:58,884
listeners should consult

1297
00:37:58,903 --> 00:37:59,605
their own financial

1298
00:37:59,625 --> 00:38:00,644
advisors or conduct their

1299
00:38:00,684 --> 00:38:01,806
own due diligence before

1300
00:38:01,826 --> 00:38:03,206
making any financial decisions