WEBVTT 00:07.033 --> 00:10.066 align:left position:22.5% line:83% size:67.5% Nugen Law; focusing on estate planning and elder care 00:10.066 --> 00:13.633 align:left position:12.5% line:83% size:77.5% law, emphasizing independence and quality of life. 00:13.633 --> 00:17.033 align:left position:22.5% line:83% size:67.5% Serving Indiana, Ohio, Michigan, and Florida. 00:17.033 --> 00:21.000 align:left position:30% line:83% size:60% More information at NugenLaw.com. 00:21.000 --> 00:31.900 align:left position:10% line:89% size:80% good evening. 00:31.900 --> 00:37.400 align:left position:10% line:89% size:80% >> I'm so glad you're with 00:37.400 --> 00:38.666 align:left position:10% line:89% size:80% tonight because this is an 00:38.666 --> 00:39.233 align:left position:10% line:89% size:80% extremely interesting topic 00:39.233 --> 00:40.100 align:left position:12.5% line:89% size:77.5% that we're going to be dealing 00:40.100 --> 00:44.600 align:left position:10% line:89% size:80% with and we want to prevent you 00:44.600 --> 00:45.500 align:left position:12.5% line:89% size:77.5% from having any monetary loss. 00:45.500 --> 00:47.033 align:left position:10% line:89% size:80% We're going to be talking about 00:47.033 --> 00:49.800 align:left position:10% line:89% size:80% fraud and scams tonight with 00:49.800 --> 00:51.033 align:left position:10% line:89% size:80% Brian Nuge in our elder law 00:51.033 --> 00:52.566 align:left position:10% line:89% size:80% attorney here and we've both 00:52.566 --> 00:55.833 align:left position:10% line:89% size:80% been sharing how many 00:55.833 --> 01:01.400 align:left position:10% line:89% size:80% situations or fraud or scam 01:01.400 --> 01:02.933 align:left position:10% line:89% size:80% things that have come up in our 01:02.933 --> 01:03.233 align:left position:10% line:89% size:80% own lives. 01:03.233 --> 01:04.200 align:left position:10% line:89% size:80% So we're going to share some 01:04.200 --> 01:05.333 align:left position:10% line:89% size:80% of the most common ones that 01:05.333 --> 01:08.333 align:left position:12.5% line:89% size:77.5% are going on now and Brian has 01:08.333 --> 01:09.000 align:left position:10% line:89% size:80% some suggestions to help you 01:09.000 --> 01:09.333 align:left position:10% line:89% size:80% help yourself. 01:09.333 --> 01:10.033 align:left position:10% line:89% size:80% >> How about that? 01:10.033 --> 01:11.033 align:left position:10% line:89% size:80% Hi, Brian. 01:11.033 --> 01:15.266 align:left position:10% line:89% size:80% Hi, Sandy . 01:15.266 --> 01:16.166 align:left position:10% line:89% size:80% >> How are you? 01:16.166 --> 01:16.766 align:left position:10% line:89% size:80% Good to see you. 01:16.766 --> 01:17.266 align:left position:10% line:89% size:80% I love this. 01:17.266 --> 01:18.033 align:left position:10% line:89% size:80% I just love this. 01:18.033 --> 01:18.433 align:left position:10% line:89% size:80% Thank you. 01:18.433 --> 01:20.166 align:left position:10% line:89% size:80% Well, I have to tell you the 01:20.166 --> 01:21.433 align:left position:10% line:89% size:80% last time Brian was here we 01:21.433 --> 01:22.000 align:left position:10% line:89% size:80% started talking about this 01:22.000 --> 01:22.866 align:left position:10% line:89% size:80% after the show and just talk to 01:22.866 --> 01:24.133 align:left position:10% line:89% size:80% him like this is pretty 01:24.133 --> 01:26.133 align:left position:10% line:89% size:80% exciting and then and then 01:26.133 --> 01:27.433 align:left position:10% line:89% size:80% since then we both have had 01:27.433 --> 01:28.166 align:left position:10% line:89% size:80% situations where we've 01:28.166 --> 01:32.700 align:left position:10% line:89% size:80% potentially been scammed. 01:32.700 --> 01:34.066 align:left position:10% line:89% size:80% >> That's true and people are 01:34.066 --> 01:35.833 align:left position:12.5% line:89% size:77.5% scammed every day and we don't 01:35.833 --> 01:38.333 align:left position:10% line:89% size:80% want to make a derogatory 01:38.333 --> 01:39.600 align:left position:10% line:89% size:80% comment to you because scammers 01:39.600 --> 01:44.633 align:left position:12.5% line:89% size:77.5% are becoming so good that even 01:44.633 --> 01:46.400 align:left position:10% line:89% size:80% the most trusting person easily 01:46.400 --> 01:50.633 align:left position:10% line:89% size:80% falls into those traps. 01:50.633 --> 01:52.033 align:left position:10% line:89% size:80% >> OK, Brian, let's start start 01:52.033 --> 01:55.800 align:left position:12.5% line:89% size:77.5% out by just talking about what 01:55.800 --> 01:56.800 align:left position:10% line:89% size:80% elder fraud or elder scam. 01:56.800 --> 01:58.433 align:left position:10% line:89% size:80% >> So when the FBI is 01:58.433 --> 02:02.033 align:left position:10% line:89% size:80% determining an elderly person 02:02.033 --> 02:03.066 align:left position:10% line:89% size:80% that's been scammed, they're 02:03.066 --> 02:03.833 align:left position:12.5% line:89% size:77.5% looking at folks that are aged 02:03.833 --> 02:04.200 align:left position:10% line:89% size:80% 65 and older. 02:04.200 --> 02:06.200 align:left position:10% line:89% size:80% So when we're talking about 02:06.200 --> 02:08.866 align:left position:10% line:89% size:80% elder fraud or elder scams, 02:08.866 --> 02:09.500 align:left position:10% line:89% size:80% that's when someone has spent 02:09.500 --> 02:10.766 align:left position:10% line:89% size:80% money on something has had 02:10.766 --> 02:14.533 align:left position:10% line:89% size:80% money taken from them for a 02:14.533 --> 02:15.400 align:left position:10% line:89% size:80% purpose that they didn't intend 02:15.400 --> 02:16.666 align:left position:10% line:89% size:80% or they didn't recognize that 02:16.666 --> 02:20.166 align:left position:10% line:89% size:80% it wasn't for their for their 02:20.166 --> 02:21.333 align:left position:10% line:89% size:80% betterment or for their benefit 02:21.333 --> 02:21.866 align:left position:10% line:89% size:80% somebody taking advantage 02:21.866 --> 02:22.100 align:left position:10% line:89% size:80% of them. 02:22.100 --> 02:27.100 align:left position:10% line:89% size:80% So when we're looking at 02:27.100 --> 02:28.000 align:left position:10% line:89% size:80% elderly elder schol scams, 02:28.000 --> 02:31.766 align:left position:10% line:89% size:80% senior scams 65 and above and 02:31.766 --> 02:33.166 align:left position:12.5% line:89% size:77.5% they have had money taken from 02:33.166 --> 02:33.933 align:left position:10% line:89% size:80% them, finance is taken from 02:33.933 --> 02:34.933 align:left position:10% line:89% size:80% them and they didn't intend 02:34.933 --> 02:38.700 align:left position:10% line:89% size:80% for it to go as as they did 02:38.700 --> 02:38.966 align:left position:10% line:89% size:80% actually. 02:38.966 --> 02:39.466 align:left position:10% line:89% size:80% >> Right. 02:39.466 --> 02:40.066 align:left position:10% line:89% size:80% Yeah, right. 02:40.066 --> 02:40.700 align:left position:10% line:89% size:80% And unfortunately or 02:40.700 --> 02:42.233 align:left position:10% line:89% size:80% fortunately I don't know I 02:42.233 --> 02:44.733 align:left position:10% line:89% size:80% think we're Americans are a 02:44.733 --> 02:45.766 align:left position:10% line:89% size:80% very trusting society and 02:45.766 --> 02:50.000 align:left position:10% line:89% size:80% especially the older generation 02:50.000 --> 02:50.533 align:left position:10% line:89% size:80% . 02:50.533 --> 02:51.766 align:left position:10% line:89% size:80% >> I mean I can remember back 02:51.766 --> 02:53.033 align:left position:10% line:89% size:80% when my parents were just you 02:53.033 --> 02:55.800 align:left position:10% line:89% size:80% believe everybody and anybody 02:55.800 --> 02:57.366 align:left position:10% line:89% size:80% came to the door or whatever 02:57.366 --> 02:58.466 align:left position:10% line:89% size:80% and you know, you didn't even 02:58.466 --> 03:02.533 align:left position:10% line:89% size:80% take your car keys inside and 03:02.533 --> 03:03.433 align:left position:10% line:89% size:80% you didn't lock the door. 03:03.433 --> 03:05.433 align:left position:10% line:89% size:80% >> I mean it was interesting 03:05.433 --> 03:09.700 align:left position:10% line:89% size:80% world but unfortune the next 03:09.700 --> 03:10.466 align:left position:10% line:89% size:80% generation is beginning to 03:10.466 --> 03:11.733 align:left position:12.5% line:89% size:77.5% realize not not quite so much. 03:11.733 --> 03:15.266 align:left position:10% line:89% size:80% >> So you're hitting a great 03:15.266 --> 03:15.633 align:left position:10% line:89% size:80% point, Sandy . 03:15.633 --> 03:16.400 align:left position:10% line:89% size:80% And that's that the group 03:16.400 --> 03:17.400 align:left position:10% line:89% size:80% that's being scammed, those 03:17.400 --> 03:20.666 align:left position:10% line:89% size:80% elderly over sixty five they're 03:20.666 --> 03:21.600 align:left position:12.5% line:89% size:77.5% from a generation where you're 03:21.600 --> 03:22.000 align:left position:10% line:89% size:80% polite to people. 03:22.000 --> 03:22.833 align:left position:10% line:89% size:80% You answer the phone, you 03:22.833 --> 03:24.866 align:left position:10% line:89% size:80% respond to the knock on the 03:24.866 --> 03:27.233 align:left position:12.5% line:89% size:77.5% door and maybe you're a little 03:27.233 --> 03:27.766 align:left position:10% line:89% size:80% naive about cell phones. 03:27.766 --> 03:30.033 align:left position:10% line:89% size:80% You might be a little naive 03:30.033 --> 03:33.166 align:left position:10% line:89% size:80% about how computers work or 03:33.166 --> 03:33.700 align:left position:10% line:89% size:80% when something you receive 03:33.700 --> 03:34.833 align:left position:10% line:89% size:80% something in the mail you've 03:34.833 --> 03:38.833 align:left position:10% line:89% size:80% seen it in writing and as a 03:38.833 --> 03:39.733 align:left position:10% line:89% size:80% result you believe it is true 03:39.733 --> 03:41.133 align:left position:12.5% line:89% size:77.5% that you really have been made 03:41.133 --> 03:44.166 align:left position:10% line:89% size:80% this off or there's a phone 03:44.166 --> 03:44.800 align:left position:10% line:89% size:80% call from someone and you 03:44.800 --> 03:45.433 align:left position:10% line:89% size:80% misunderstand who they may be 03:45.433 --> 03:46.200 align:left position:10% line:89% size:80% and you're answering questions. 03:46.200 --> 03:49.466 align:left position:10% line:89% size:80% So you've got this population 03:49.466 --> 03:50.966 align:left position:10% line:89% size:80% that is aging that's used to 03:50.966 --> 03:55.000 align:left position:10% line:89% size:80% being very polite, answering 03:55.000 --> 03:56.766 align:left position:10% line:89% size:80% the phone calls when my when my 03:56.766 --> 03:57.400 align:left position:12.5% line:89% size:77.5% grandmother was living I would 03:57.400 --> 03:58.166 align:left position:10% line:89% size:80% say to her don't answer the 03:58.166 --> 03:58.700 align:left position:10% line:89% size:80% phone, grandma. 03:58.700 --> 04:02.500 align:left position:10% line:89% size:80% You know those are not real 04:02.500 --> 04:03.200 align:left position:10% line:89% size:80% phone calls but she couldn't 04:03.200 --> 04:03.533 align:left position:10% line:89% size:80% help herself. 04:03.533 --> 04:04.333 align:left position:10% line:89% size:80% >> She just wanted to answer 04:04.333 --> 04:05.100 align:left position:12.5% line:89% size:77.5% that phone every time it rang. 04:05.100 --> 04:06.100 align:left position:10% line:89% size:80% That was sporadic. 04:06.100 --> 04:08.600 align:left position:12.5% line:89% size:77.5% That's well actually you know, 04:08.600 --> 04:13.866 align:left position:10% line:89% size:80% phone is the big issue too. 04:13.866 --> 04:15.133 align:left position:10% line:89% size:80% >> And I do understand I know 04:15.133 --> 04:15.800 align:left position:12.5% line:89% size:77.5% the Better Business Bureau has 04:15.800 --> 04:19.533 align:left position:10% line:89% size:80% said if you get a scam or fraud 04:19.533 --> 04:20.800 align:left position:10% line:89% size:80% call if you answer the phone, 04:20.800 --> 04:22.066 align:left position:10% line:89% size:80% doggone it, you stay on the 04:22.066 --> 04:26.066 align:left position:10% line:89% size:80% list because to them that means 04:26.066 --> 04:27.200 align:left position:10% line:89% size:80% even if you don't talk to them, 04:27.200 --> 04:28.100 align:left position:10% line:89% size:80% if you just pick up the phone 04:28.100 --> 04:29.000 align:left position:12.5% line:89% size:77.5% it means somebody lives there. 04:29.000 --> 04:32.233 align:left position:10% line:89% size:80% We're going to keep them on our 04:32.233 --> 04:33.133 align:left position:10% line:89% size:80% lists and those calls are good. 04:33.133 --> 04:34.433 align:left position:10% line:89% size:80% >> They will use robocalls. 04:34.433 --> 04:38.800 align:left position:12.5% line:89% size:77.5% So if there's a they'll send a 04:38.800 --> 04:39.433 align:left position:10% line:89% size:80% robo call out to several 04:39.433 --> 04:41.700 align:left position:10% line:89% size:80% numbers at one time if you pick 04:41.700 --> 04:44.600 align:left position:10% line:89% size:80% up then they've got you they 04:44.600 --> 04:45.366 align:left position:10% line:89% size:80% know that that's a valid line 04:45.366 --> 04:45.666 align:left position:10% line:89% size:80% number one. 04:45.666 --> 04:47.633 align:left position:10% line:89% size:80% >> Number two , they're also 04:47.633 --> 04:49.366 align:left position:10% line:89% size:80% recording are you there? 04:49.366 --> 04:50.500 align:left position:10% line:89% size:80% >> Are you there and you're 04:50.500 --> 04:50.766 align:left position:10% line:89% size:80% answering? 04:50.766 --> 04:51.133 align:left position:10% line:89% size:80% Yes, I am. 04:51.133 --> 04:52.666 align:left position:10% line:89% size:80% Who is this and you're giving 04:52.666 --> 04:54.933 align:left position:10% line:89% size:80% your name you're providing that 04:54.933 --> 04:55.833 align:left position:10% line:89% size:80% information and the calling 04:55.833 --> 04:56.400 align:left position:10% line:89% size:80% companies are excellent as 04:56.400 --> 04:56.600 align:left position:10% line:89% size:80% well. 04:56.600 --> 04:57.833 align:left position:10% line:89% size:80% When you look if you have a 04:57.833 --> 05:01.166 align:left position:10% line:89% size:80% cell phone or you have a reader 05:01.166 --> 05:02.100 align:left position:10% line:89% size:80% on your landline that indicates 05:02.100 --> 05:02.833 align:left position:12.5% line:89% size:77.5% the number that is coming from 05:02.833 --> 05:03.966 align:left position:12.5% line:89% size:77.5% it may be coming from your own 05:03.966 --> 05:04.466 align:left position:10% line:89% size:80% area code . 05:04.466 --> 05:07.733 align:left position:12.5% line:89% size:77.5% So they're coming from an area 05:07.733 --> 05:08.500 align:left position:10% line:89% size:80% code and you believe it to be 05:08.500 --> 05:08.766 align:left position:10% line:89% size:80% accurate. 05:08.766 --> 05:09.666 align:left position:12.5% line:89% size:77.5% >> You think that it is local? 05:09.666 --> 05:10.400 align:left position:10% line:89% size:80% Oh, it's local. 05:10.400 --> 05:13.166 align:left position:10% line:89% size:80% It's OK for me to answer the 05:13.166 --> 05:13.400 align:left position:10% line:89% size:80% phone. 05:13.400 --> 05:14.366 align:left position:10% line:89% size:80% It isn't necessarily local. 05:14.366 --> 05:15.033 align:left position:10% line:89% size:80% It isn't necessarily a good 05:15.033 --> 05:15.233 align:left position:10% line:89% size:80% thing. 05:15.233 --> 05:18.666 align:left position:10% line:89% size:80% So phone scams are a very 05:18.666 --> 05:20.166 align:left position:10% line:89% size:80% common way for folks to be 05:20.166 --> 05:20.633 align:left position:10% line:89% size:80% taken advantage of . 05:20.633 --> 05:21.466 align:left position:10% line:89% size:80% >> I like that you mentioned 05:21.466 --> 05:22.833 align:left position:10% line:89% size:80% that it may be our own area 05:22.833 --> 05:23.100 align:left position:10% line:89% size:80% code . 05:23.100 --> 05:26.100 align:left position:10% line:89% size:80% I know I have a caller ID on my 05:26.100 --> 05:26.466 align:left position:10% line:89% size:80% home phone. 05:26.466 --> 05:26.966 align:left position:10% line:89% size:80% Yes. 05:26.966 --> 05:31.966 align:left position:10% line:89% size:80% And then also with Comcast on 05:31.966 --> 05:37.500 align:left position:10% line:89% size:80% TV when the home phone rings up 05:37.500 --> 05:38.866 align:left position:12.5% line:89% size:77.5% in the corner of the TV screen 05:38.866 --> 05:42.633 align:left position:12.5% line:89% size:77.5% there's the name and the phone 05:42.633 --> 05:44.033 align:left position:10% line:89% size:80% number who's calling and that's 05:44.033 --> 05:44.233 align:left position:10% line:89% size:80% great. 05:44.233 --> 05:45.400 align:left position:12.5% line:89% size:77.5% >> You can decide do I want to 05:45.400 --> 05:48.700 align:left position:10% line:89% size:80% get up off the couch and go out 05:48.700 --> 05:49.966 align:left position:12.5% line:89% size:77.5% but not if you don't recognize 05:49.966 --> 05:50.366 align:left position:10% line:89% size:80% the number. 05:50.366 --> 05:50.866 align:left position:10% line:89% size:80% >> Don't answer. 05:50.866 --> 05:52.000 align:left position:10% line:89% size:80% Send it to voicemail. 05:52.000 --> 05:54.266 align:left position:10% line:89% size:80% Screen it. 05:54.266 --> 05:55.533 align:left position:12.5% line:89% size:77.5% You have the opportunity to to 05:55.533 --> 05:56.166 align:left position:10% line:89% size:80% give them a call back. 05:56.166 --> 05:57.433 align:left position:10% line:89% size:80% If somebody was supposed to get 05:57.433 --> 05:59.966 align:left position:10% line:89% size:80% a hold of you most likely 05:59.966 --> 06:01.166 align:left position:10% line:89% size:80% they're either not going to 06:01.166 --> 06:01.933 align:left position:10% line:89% size:80% leave a message right or it 06:01.933 --> 06:02.933 align:left position:12.5% line:89% size:77.5% will be a message that doesn't 06:02.933 --> 06:03.466 align:left position:10% line:89% size:80% make sense. 06:03.466 --> 06:07.200 align:left position:10% line:89% size:80% It's nonsensical. 06:07.200 --> 06:07.700 align:left position:10% line:89% size:80% Right. 06:07.700 --> 06:08.700 align:left position:10% line:89% size:80% And don't return those phone 06:08.700 --> 06:08.900 align:left position:10% line:89% size:80% calls. 06:08.900 --> 06:09.833 align:left position:10% line:89% size:80% You don't need to call them 06:09.833 --> 06:10.100 align:left position:10% line:89% size:80% back. 06:10.100 --> 06:13.366 align:left position:12.5% line:89% size:77.5% But what happens is that folks 06:13.366 --> 06:14.600 align:left position:10% line:89% size:80% to as they age they may be 06:14.600 --> 06:14.833 align:left position:10% line:89% size:80% lonely. 06:14.833 --> 06:15.600 align:left position:10% line:89% size:80% >> They're looking for social 06:15.600 --> 06:15.900 align:left position:10% line:89% size:80% interaction. 06:15.900 --> 06:19.600 align:left position:10% line:89% size:80% They're happy to talk to you. 06:19.600 --> 06:20.233 align:left position:10% line:89% size:80% That's right. 06:20.233 --> 06:21.233 align:left position:10% line:89% size:80% So when that phone is ringing 06:21.233 --> 06:21.500 align:left position:10% line:89% size:80% it's up. 06:21.500 --> 06:23.533 align:left position:10% line:89% size:80% There may be somebody for me to 06:23.533 --> 06:25.133 align:left position:10% line:89% size:80% talk to and so if they're 06:25.133 --> 06:25.900 align:left position:10% line:89% size:80% isolated and they're not around 06:25.900 --> 06:26.666 align:left position:10% line:89% size:80% others, they're looking 06:26.666 --> 06:30.433 align:left position:10% line:89% size:80% for that social outlet. 06:30.433 --> 06:31.500 align:left position:10% line:89% size:80% So that happens very frequently 06:31.500 --> 06:32.733 align:left position:10% line:89% size:80% as well with seniors the phrase 06:32.733 --> 06:36.466 align:left position:10% line:89% size:80% that they're using is senior 06:36.466 --> 06:37.500 align:left position:12.5% line:89% size:77.5% orphans and what that means is 06:37.500 --> 06:38.633 align:left position:12.5% line:89% size:77.5% you may not have children, you 06:38.633 --> 06:42.633 align:left position:10% line:89% size:80% may not have family close to 06:42.633 --> 06:42.900 align:left position:10% line:89% size:80% you. 06:42.900 --> 06:44.033 align:left position:10% line:89% size:80% >> You may be alienated from 06:44.033 --> 06:45.533 align:left position:10% line:89% size:80% your family so you're more 06:45.533 --> 06:48.800 align:left position:10% line:89% size:80% isolated and with social 06:48.800 --> 06:49.800 align:left position:12.5% line:89% size:77.5% isolation becomes a little bit 06:49.800 --> 06:50.333 align:left position:10% line:89% size:80% more vulnerability. 06:50.333 --> 06:55.066 align:left position:10% line:89% size:80% So you have to be very 06:55.066 --> 06:55.966 align:left position:10% line:89% size:80% sensitive to that and we have 06:55.966 --> 06:56.733 align:left position:12.5% line:89% size:77.5% to look out for those folks in 06:56.733 --> 06:57.866 align:left position:10% line:89% size:80% our lives that may be those 06:57.866 --> 06:59.866 align:left position:10% line:89% size:80% those senior orphans where they 06:59.866 --> 07:01.200 align:left position:10% line:89% size:80% don't have that immediate 07:01.200 --> 07:01.966 align:left position:10% line:89% size:80% family, maybe their kids are 07:01.966 --> 07:02.733 align:left position:10% line:89% size:80% out of town or their kids are 07:02.733 --> 07:04.000 align:left position:10% line:89% size:80% disconnected or they don't have 07:04.000 --> 07:06.266 align:left position:10% line:89% size:80% children so those are the folks 07:06.266 --> 07:07.033 align:left position:10% line:89% size:80% that are really the most 07:07.033 --> 07:07.666 align:left position:10% line:89% size:80% vulnerable within that senior 07:07.666 --> 07:08.133 align:left position:10% line:89% size:80% community right now. 07:08.133 --> 07:11.966 align:left position:10% line:89% size:80% >> How do they know and they 07:11.966 --> 07:13.333 align:left position:10% line:89% size:80% know that you're going to maybe 07:13.333 --> 07:15.100 align:left position:10% line:89% size:80% be in that category of isolated 07:15.100 --> 07:18.600 align:left position:10% line:89% size:80% seniors? 07:18.600 --> 07:20.000 align:left position:10% line:89% size:80% >> Would you call so the phrase 07:20.000 --> 07:21.133 align:left position:10% line:89% size:80% that they're using is senior 07:21.133 --> 07:22.400 align:left position:10% line:89% size:80% orphans senior they're 07:22.400 --> 07:24.400 align:left position:10% line:89% size:80% independent. 07:24.400 --> 07:25.833 align:left position:10% line:89% size:80% I do want to say something 07:25.833 --> 07:26.666 align:left position:10% line:89% size:80% about it's not just seniors 07:26.666 --> 07:30.433 align:left position:10% line:89% size:80% that it happens to now this 07:30.433 --> 07:31.566 align:left position:10% line:89% size:80% population it's FBI said in 07:31.566 --> 07:32.566 align:left position:10% line:89% size:80% twenty twenty three three point 07:32.566 --> 07:36.600 align:left position:10% line:89% size:80% four three point six billion 07:36.600 --> 07:37.500 align:left position:10% line:89% size:80% dollars were taken from seniors 07:37.500 --> 07:39.133 align:left position:10% line:89% size:80% in the first three or four or 07:39.133 --> 07:41.633 align:left position:10% line:89% size:80% five months of twenty 07:41.633 --> 07:42.666 align:left position:10% line:89% size:80% twenty four that number had 07:42.666 --> 07:43.433 align:left position:10% line:89% size:80% grown by three hundred million. 07:43.433 --> 07:47.933 align:left position:10% line:89% size:80% >> It grows every year and I 07:47.933 --> 07:49.200 align:left position:10% line:89% size:80% think that the scammers are 07:49.200 --> 07:54.200 align:left position:10% line:89% size:80% getting better and better and 07:54.200 --> 07:55.600 align:left position:10% line:89% size:80% frankly we have an aging 07:55.600 --> 07:55.900 align:left position:10% line:89% size:80% population. 07:55.900 --> 07:56.866 align:left position:10% line:89% size:80% >> It's the biggest bubble 07:56.866 --> 07:57.900 align:left position:10% line:89% size:80% of our population that's true 07:57.900 --> 07:59.900 align:left position:10% line:89% size:80% 65 and above. 07:59.900 --> 08:01.033 align:left position:10% line:89% size:80% It's our biggest population 08:01.033 --> 08:01.400 align:left position:10% line:89% size:80% that's growing. 08:01.400 --> 08:02.133 align:left position:10% line:89% size:80% It's a vulnerable population 08:02.133 --> 08:06.900 align:left position:10% line:89% size:80% and I think too that folks as 08:06.900 --> 08:07.900 align:left position:10% line:89% size:80% they're aging if they found 08:07.900 --> 08:08.666 align:left position:10% line:89% size:80% themselves in a situation where 08:08.666 --> 08:09.666 align:left position:10% line:89% size:80% they were taken advantage 08:09.666 --> 08:11.933 align:left position:10% line:89% size:80% of possibly they lost the 08:11.933 --> 08:12.966 align:left position:10% line:89% size:80% money, they were scammed, 08:12.966 --> 08:13.600 align:left position:10% line:89% size:80% they're embarrassed to tell. 08:13.600 --> 08:14.833 align:left position:10% line:89% size:80% So even the FBI is saying 08:14.833 --> 08:18.100 align:left position:12.5% line:89% size:77.5% despite all that money that we 08:18.100 --> 08:19.233 align:left position:10% line:89% size:80% know was lost, even more was 08:19.233 --> 08:19.433 align:left position:10% line:89% size:80% lost. 08:19.433 --> 08:20.000 align:left position:10% line:89% size:80% And why is that? 08:20.000 --> 08:21.366 align:left position:10% line:89% size:80% Because people too are too 08:21.366 --> 08:24.133 align:left position:12.5% line:89% size:77.5% embarrassed to admit that took 08:24.133 --> 08:24.400 align:left position:10% line:89% size:80% place. 08:24.400 --> 08:25.533 align:left position:10% line:89% size:80% I was taken advantage of . 08:25.533 --> 08:26.033 align:left position:10% line:89% size:80% I lost money. 08:26.033 --> 08:29.766 align:left position:10% line:89% size:80% I was saying to you before we 08:29.766 --> 08:31.033 align:left position:10% line:89% size:80% went on the air tonight this 08:31.033 --> 08:31.800 align:left position:10% line:89% size:80% week, just this week there were 08:31.800 --> 08:32.833 align:left position:10% line:89% size:80% four instances that affected me 08:32.833 --> 08:33.133 align:left position:10% line:89% size:80% personally. 08:33.133 --> 08:37.100 align:left position:10% line:89% size:80% >> I got a letter in the mail 08:37.100 --> 08:38.966 align:left position:10% line:89% size:80% from a it appeared to be a 08:38.966 --> 08:42.500 align:left position:10% line:89% size:80% brokerage firm and you would 08:42.500 --> 08:42.866 align:left position:10% line:89% size:80% know them. 08:42.866 --> 08:44.033 align:left position:10% line:89% size:80% It's a name that would be a 08:44.033 --> 08:45.133 align:left position:10% line:89% size:80% very common indicating that I 08:45.133 --> 08:48.166 align:left position:10% line:89% size:80% was so fortunate they had 08:48.166 --> 08:49.033 align:left position:10% line:89% size:80% access to these funds. 08:49.033 --> 08:50.066 align:left position:12.5% line:89% size:77.5% Now of course nothing throw it 08:50.066 --> 08:50.333 align:left position:10% line:89% size:80% away. 08:50.333 --> 09:07.366 align:left position:10% line:89% size:80% I was everybody's getting 09:07.366 --> 09:11.133 align:left position:12.5% line:89% size:77.5% a text message right now about 09:11.133 --> 09:11.900 align:left position:12.5% line:89% size:77.5% having passed new tolls on the 09:11.900 --> 09:12.166 align:left position:10% line:89% size:80% toll road. 09:12.166 --> 09:13.066 align:left position:12.5% line:89% size:77.5% I received a text message just 09:13.066 --> 09:13.966 align:left position:10% line:89% size:80% this week even in my own family 09:13.966 --> 09:14.600 align:left position:10% line:89% size:80% speaking with a family member 09:14.600 --> 09:15.300 align:left position:10% line:89% size:80% just tonight that they had a 09:15.300 --> 09:15.933 align:left position:10% line:89% size:80% phone number appear on their 09:15.933 --> 09:16.566 align:left position:10% line:89% size:80% computer screen and rather on 09:16.566 --> 09:16.966 align:left position:10% line:89% size:80% their TV screen. 09:16.966 --> 09:17.500 align:left position:10% line:89% size:80% They were having trouble 09:17.500 --> 09:18.166 align:left position:12.5% line:89% size:77.5% getting into their TV and they 09:18.166 --> 09:18.800 align:left position:10% line:89% size:80% called the phone number and the 09:18.800 --> 09:19.400 align:left position:10% line:89% size:80% individual said to them you 09:19.400 --> 09:20.300 align:left position:10% line:89% size:80% need to go to Kvass or Home 09:20.300 --> 09:22.800 align:left position:10% line:89% size:80% Depot and you need to make this 09:22.800 --> 09:23.300 align:left position:10% line:89% size:80% charge. 09:23.300 --> 09:24.566 align:left position:10% line:89% size:80% >> You need to send these 09:24.566 --> 09:24.766 align:left position:10% line:89% size:80% funds. 09:24.766 --> 09:26.700 align:left position:10% line:89% size:80% So in the family member 09:26.700 --> 09:29.933 align:left position:12.5% line:89% size:77.5% attempted doing that twice and 09:29.933 --> 09:30.833 align:left position:12.5% line:89% size:77.5% then at some point during that 09:30.833 --> 09:31.866 align:left position:10% line:89% size:80% process realized maybe I 09:31.866 --> 09:35.366 align:left position:10% line:89% size:80% shouldn't be doing this. 09:35.366 --> 09:36.633 align:left position:10% line:89% size:80% >> So it probably would not 09:36.633 --> 09:37.633 align:left position:10% line:89% size:80% advise you would not be happy 09:37.633 --> 09:40.900 align:left position:10% line:89% size:80% with that and the family member 09:40.900 --> 09:42.300 align:left position:12.5% line:89% size:77.5% indicated to me you've told me 09:42.300 --> 09:43.166 align:left position:10% line:89% size:80% before don't do this. 09:43.166 --> 09:47.933 align:left position:10% line:89% size:80% So this had happened a week and 09:47.933 --> 09:48.333 align:left position:10% line:89% size:80% a half ago. 09:48.333 --> 09:49.333 align:left position:10% line:89% size:80% I learned about it today. 09:49.333 --> 09:50.466 align:left position:10% line:89% size:80% But that goes to the point 09:50.466 --> 09:52.000 align:left position:12.5% line:89% size:77.5% of people being embarrassed to 09:52.000 --> 09:54.133 align:left position:10% line:89% size:80% say this happened and one would 09:54.133 --> 09:54.833 align:left position:10% line:89% size:80% never expect with somebody that 09:54.833 --> 09:56.533 align:left position:10% line:89% size:80% close to you that it would 09:56.533 --> 09:59.533 align:left position:10% line:89% size:80% happen but it does. 09:59.533 --> 10:00.666 align:left position:12.5% line:89% size:77.5% >> Senior scams are an ongoing 10:00.666 --> 10:00.866 align:left position:10% line:89% size:80% issue. 10:00.866 --> 10:05.033 align:left position:10% line:89% size:80% Brian, I'm interested in any 10:05.033 --> 10:06.300 align:left position:10% line:89% size:80% recourse or if you can get 10:06.300 --> 10:07.566 align:left position:10% line:89% size:80% money back that you've been 10:07.566 --> 10:11.366 align:left position:10% line:89% size:80% scammed for let's say your 10:11.366 --> 10:12.366 align:left position:10% line:89% size:80% family member did unlike Jeff 10:12.366 --> 10:13.000 align:left position:10% line:89% size:80% that charge through with the 10:13.000 --> 10:14.766 align:left position:10% line:89% size:80% one good thing I guess if 10:14.766 --> 10:17.300 align:left position:10% line:89% size:80% you're using so this is the 10:17.300 --> 10:17.833 align:left position:10% line:89% size:80% same conversation I had. 10:17.833 --> 10:18.700 align:left position:10% line:89% size:80% >> If you're using a credit 10:18.700 --> 10:19.966 align:left position:10% line:89% size:80% card at least you can reach out 10:19.966 --> 10:23.466 align:left position:12.5% line:89% size:77.5% to the credit card company and 10:23.466 --> 10:24.366 align:left position:10% line:89% size:80% indicate if you're aware that 10:24.366 --> 10:25.366 align:left position:10% line:89% size:80% this isn't a real charge, 10:25.366 --> 10:28.633 align:left position:10% line:89% size:80% please block that charge if 10:28.633 --> 10:29.766 align:left position:10% line:89% size:80% you're using a debit card, if 10:29.766 --> 10:30.533 align:left position:12.5% line:89% size:77.5% you're using a money order and 10:30.533 --> 10:31.433 align:left position:10% line:89% size:80% sending money off, if you're 10:31.433 --> 10:34.433 align:left position:10% line:89% size:80% using a cashier's check and 10:34.433 --> 10:35.700 align:left position:10% line:89% size:80% sending that off that you don't 10:35.700 --> 10:36.300 align:left position:10% line:89% size:80% have a recourse for that. 10:36.300 --> 10:36.533 align:left position:10% line:89% size:80% Really? 10:36.533 --> 10:37.633 align:left position:10% line:89% size:80% Yeah, the money's gone. 10:37.633 --> 10:40.633 align:left position:10% line:89% size:80% It's cash. 10:40.633 --> 10:42.000 align:left position:10% line:89% size:80% >> So you just mailed it off. 10:42.000 --> 10:42.733 align:left position:10% line:89% size:80% You've given it to them. 10:42.733 --> 10:45.000 align:left position:10% line:89% size:80% It is common in elder law 10:45.000 --> 10:47.266 align:left position:10% line:89% size:80% practices that folks are taking 10:47.266 --> 10:48.433 align:left position:12.5% line:89% size:77.5% advantage of not just by small 10:48.433 --> 10:49.666 align:left position:10% line:89% size:80% amounts but by very large 10:49.666 --> 10:52.700 align:left position:10% line:89% size:80% amounts oftentimes they're 10:52.700 --> 10:53.700 align:left position:10% line:89% size:80% called romance romance romance. 10:53.700 --> 10:54.100 align:left position:10% line:89% size:80% >> Right. 10:54.100 --> 10:55.333 align:left position:10% line:89% size:80% Somebody is showing the 10:55.333 --> 10:58.600 align:left position:10% line:89% size:80% affection and it usually starts 10:58.600 --> 10:59.133 align:left position:10% line:89% size:80% out small. 10:59.133 --> 11:00.600 align:left position:12.5% line:89% size:77.5% It will be they're just having 11:00.600 --> 11:02.333 align:left position:10% line:89% size:80% a conversation maybe over the 11:02.333 --> 11:05.600 align:left position:10% line:89% size:80% texting or a phone call and 11:05.600 --> 11:06.500 align:left position:10% line:89% size:80% then eventually it's could I 11:06.500 --> 11:07.400 align:left position:10% line:89% size:80% need ten dollars or 11:07.400 --> 11:07.966 align:left position:10% line:89% size:80% twenty dollars for groceries 11:07.966 --> 11:10.900 align:left position:10% line:89% size:80% for my children or my 11:10.900 --> 11:11.233 align:left position:10% line:89% size:80% grandchildren? 11:11.233 --> 11:12.233 align:left position:10% line:89% size:80% So then they feel responsible 11:12.233 --> 11:13.333 align:left position:10% line:89% size:80% in a foreign country it's often 11:13.333 --> 11:16.333 align:left position:10% line:89% size:80% a foreign country not always 11:16.333 --> 11:17.833 align:left position:10% line:89% size:80% but yes, it's often a foreign 11:17.833 --> 11:18.066 align:left position:10% line:89% size:80% country. 11:18.066 --> 11:19.233 align:left position:10% line:89% size:80% And then those requests 11:19.233 --> 11:22.500 align:left position:10% line:89% size:80% for money as you've developed 11:22.500 --> 11:23.400 align:left position:10% line:89% size:80% relationship with that person 11:23.400 --> 11:23.966 align:left position:10% line:89% size:80% you've developed trust with 11:23.966 --> 11:24.666 align:left position:10% line:89% size:80% that person was just a small 11:24.666 --> 11:26.433 align:left position:12.5% line:89% size:77.5% amount I was helping with over 11:26.433 --> 11:27.933 align:left position:10% line:89% size:80% time it rose. 11:27.933 --> 11:29.833 align:left position:12.5% line:89% size:77.5% And so if there is a reason to 11:29.833 --> 11:34.833 align:left position:10% line:89% size:80% try and protect those seniors, 11:34.833 --> 11:35.733 align:left position:10% line:89% size:80% if they're being taken 11:35.733 --> 11:36.300 align:left position:10% line:89% size:80% advantage of on an ongoing 11:36.300 --> 11:36.900 align:left position:10% line:89% size:80% basis through sometimes 11:36.900 --> 11:37.666 align:left position:10% line:89% size:80% guardianships that are 11:37.666 --> 11:40.166 align:left position:10% line:89% size:80% established to protect them and 11:40.166 --> 11:40.766 align:left position:10% line:89% size:80% frankly against themselves 11:40.766 --> 11:41.400 align:left position:10% line:89% size:80% because they're so willing to 11:41.400 --> 11:43.100 align:left position:10% line:89% size:80% allow those funds to go and 11:43.100 --> 11:45.866 align:left position:10% line:89% size:80% they're losing their 11:45.866 --> 11:46.633 align:left position:10% line:89% size:80% retirement, they're taking 11:46.633 --> 11:47.300 align:left position:10% line:89% size:80% mortgages out there borrowing 11:47.300 --> 11:47.933 align:left position:10% line:89% size:80% money from family and friends 11:47.933 --> 11:48.933 align:left position:10% line:89% size:80% to make these payments. 11:48.933 --> 11:52.666 align:left position:10% line:89% size:80% It's very sad that it's very 11:52.666 --> 11:53.433 align:left position:10% line:89% size:80% sad and I've seen a number 11:53.433 --> 11:55.200 align:left position:10% line:89% size:80% of shows on talk shows on TV 11:55.200 --> 11:58.700 align:left position:10% line:89% size:80% that are the romance scams, you 11:58.700 --> 11:59.966 align:left position:10% line:89% size:80% know, nitens there have been 11:59.966 --> 12:03.566 align:left position:10% line:89% size:80% some men of course, but usually 12:03.566 --> 12:04.566 align:left position:10% line:89% size:80% it's elderly women. 12:04.566 --> 12:06.100 align:left position:10% line:89% size:80% >> I've got to tell you in my 12:06.100 --> 12:07.100 align:left position:10% line:89% size:80% state they're really hoping 12:07.100 --> 12:10.100 align:left position:10% line:89% size:80% there's something they're out 12:10.100 --> 12:11.133 align:left position:10% line:89% size:80% there in my practice I have 12:11.133 --> 12:12.033 align:left position:12.5% line:89% size:77.5% seen it both in men and women. 12:12.033 --> 12:14.400 align:left position:10% line:89% size:80% I can't say that I've seen it 12:14.400 --> 12:16.400 align:left position:10% line:89% size:80% isolated to women. 12:16.400 --> 12:17.566 align:left position:12.5% line:89% size:77.5% Perhaps the show that you were 12:17.566 --> 12:18.233 align:left position:10% line:89% size:80% watching it would indicate that 12:18.233 --> 12:18.700 align:left position:10% line:89% size:80% it's primarily women. 12:18.700 --> 12:22.366 align:left position:10% line:89% size:80% It could be I don't know that I 12:22.366 --> 12:23.500 align:left position:10% line:89% size:80% will say in my own experience I 12:23.500 --> 12:25.133 align:left position:10% line:89% size:80% have seen it both in men and in 12:25.133 --> 12:28.400 align:left position:10% line:89% size:80% women and these are large 12:28.400 --> 12:29.300 align:left position:10% line:89% size:80% dollar amounts that are being 12:29.300 --> 12:30.566 align:left position:10% line:89% size:80% taken people that have lost 12:30.566 --> 12:35.066 align:left position:10% line:89% size:80% their entire retirement, 12:35.066 --> 12:35.600 align:left position:10% line:89% size:80% everything, everything. 12:35.600 --> 12:37.233 align:left position:10% line:89% size:80% >> It's very I mean hundreds 12:37.233 --> 12:38.000 align:left position:10% line:89% size:80% of thousands of dollars and 12:38.000 --> 12:40.500 align:left position:10% line:89% size:80% because they're there 12:40.500 --> 12:41.500 align:left position:10% line:89% size:80% embarrassed they're not 12:41.500 --> 12:42.133 align:left position:12.5% line:89% size:77.5% necessarily sharing with their 12:42.133 --> 12:42.766 align:left position:10% line:89% size:80% children and they've done it 12:42.766 --> 12:43.033 align:left position:10% line:89% size:80% once. 12:43.033 --> 12:45.800 align:left position:10% line:89% size:80% They've done it twice now 12:45.800 --> 12:47.066 align:left position:12.5% line:89% size:77.5% they're committed and now it's 12:47.066 --> 12:48.600 align:left position:10% line:89% size:80% almost as if you feel like it 12:48.600 --> 12:53.100 align:left position:10% line:89% size:80% has to be true, it has to be 12:53.100 --> 12:53.866 align:left position:10% line:89% size:80% true and they don't want to 12:53.866 --> 12:54.633 align:left position:10% line:89% size:80% share with the kids when the 12:54.633 --> 12:55.900 align:left position:10% line:89% size:80% kids find out they're shocked 12:55.900 --> 12:58.400 align:left position:10% line:89% size:80% that it happened. 12:58.400 --> 12:59.433 align:left position:10% line:89% size:80% But don't be naive that it 12:59.433 --> 13:00.166 align:left position:10% line:89% size:80% couldn't happen to the children 13:00.166 --> 13:00.633 align:left position:10% line:89% size:80% as well. 13:00.633 --> 13:04.166 align:left position:10% line:89% size:80% Younger people are scammed. 13:04.166 --> 13:05.766 align:left position:10% line:89% size:80% It's not just folks 65 and over 13:05.766 --> 13:06.166 align:left position:10% line:89% size:80% but on LIFE Ahead. 13:06.166 --> 13:08.333 align:left position:10% line:89% size:80% We'd like to talk about folks 13:08.333 --> 13:11.066 align:left position:10% line:89% size:80% that maybe a little bit more 13:11.066 --> 13:11.833 align:left position:12.5% line:89% size:77.5% mature and how it could affect 13:11.833 --> 13:12.033 align:left position:10% line:89% size:80% them. 13:12.033 --> 13:12.600 align:left position:10% line:89% size:80% >> Yeah, sure. 13:12.600 --> 13:13.100 align:left position:10% line:89% size:80% For sure. 13:13.100 --> 13:15.833 align:left position:12.5% line:89% size:77.5% OK, so then the other than the 13:15.833 --> 13:16.600 align:left position:10% line:89% size:80% examples you mentioned, there's 13:16.600 --> 13:17.366 align:left position:10% line:89% size:80% no way to get money back. 13:17.366 --> 13:19.266 align:left position:12.5% line:89% size:77.5% I mean the people whether it's 13:19.266 --> 13:22.266 align:left position:12.5% line:89% size:77.5% a romance scam or if the money 13:22.266 --> 13:23.166 align:left position:10% line:89% size:80% is now you you could contact 13:23.166 --> 13:24.200 align:left position:10% line:89% size:80% Adult Protective Services and 13:24.200 --> 13:26.700 align:left position:10% line:89% size:80% perhaps Adult Protective 13:26.700 --> 13:28.100 align:left position:10% line:89% size:80% Services would be able to 13:28.100 --> 13:28.733 align:left position:10% line:89% size:80% pursue the individual if you 13:28.733 --> 13:29.233 align:left position:10% line:89% size:80% could identify them. 13:29.233 --> 13:33.000 align:left position:10% line:89% size:80% Criminal charges could be filed 13:33.000 --> 13:34.166 align:left position:10% line:89% size:80% but generally to collect that 13:34.166 --> 13:34.866 align:left position:10% line:89% size:80% money back is not happening. 13:34.866 --> 13:35.433 align:left position:10% line:89% size:80% >> Yeah, that's pretty 13:35.433 --> 13:35.700 align:left position:10% line:89% size:80% standard. 13:35.700 --> 13:39.600 align:left position:10% line:89% size:80% It is said, you know, Brian, 13:39.600 --> 13:40.466 align:left position:10% line:89% size:80% you mentioned you had several 13:40.466 --> 13:41.233 align:left position:10% line:89% size:80% examples and I brought 13:41.233 --> 13:43.000 align:left position:10% line:89% size:80% something that I've just gotten 13:43.000 --> 13:46.300 align:left position:10% line:89% size:80% as one of these postcards was 13:46.300 --> 13:47.433 align:left position:10% line:89% size:80% last week and then I just got 13:47.433 --> 13:51.433 align:left position:12.5% line:89% size:77.5% this one in the mail today and 13:51.433 --> 13:52.700 align:left position:10% line:89% size:80% it's from the same company 13:52.700 --> 13:53.966 align:left position:10% line:89% size:80% but it's all were there 13:53.966 --> 13:57.733 align:left position:10% line:89% size:80% differently and it basically 13:57.733 --> 13:59.233 align:left position:10% line:89% size:80% says is that I've won five 13:59.233 --> 14:03.566 align:left position:10% line:89% size:80% hundred dollars or five hundred 14:03.566 --> 14:04.966 align:left position:10% line:89% size:80% dollars that I can use at 14:04.966 --> 14:08.966 align:left position:10% line:89% size:80% Amazon or Walmart or whatever I 14:08.966 --> 14:10.133 align:left position:12.5% line:89% size:77.5% need to call this number to to 14:10.133 --> 14:10.733 align:left position:10% line:89% size:80% claim my prize. 14:10.733 --> 14:15.733 align:left position:10% line:89% size:80% Now I'm not going obviously 14:15.733 --> 14:16.900 align:left position:10% line:89% size:80% but what would happen if I do 14:16.900 --> 14:17.100 align:left position:10% line:89% size:80% what? 14:17.100 --> 14:18.066 align:left position:10% line:89% size:80% >> Well congratulations. 14:18.066 --> 14:22.266 align:left position:10% line:89% size:80% You've great good for you. 14:22.266 --> 14:23.033 align:left position:10% line:89% size:80% You got this. 14:23.033 --> 14:24.033 align:left position:10% line:89% size:80% We can't wait to get that out 14:24.033 --> 14:24.300 align:left position:10% line:89% size:80% to you. 14:24.300 --> 14:25.300 align:left position:12.5% line:89% size:77.5% So let's arrange now so we can 14:25.300 --> 14:25.966 align:left position:10% line:89% size:80% make a deposit into your 14:25.966 --> 14:26.200 align:left position:10% line:89% size:80% account. 14:26.200 --> 14:26.600 align:left position:10% line:89% size:80% Yeah. 14:26.600 --> 14:28.366 align:left position:10% line:89% size:80% So we need just a little bit 14:28.366 --> 14:29.033 align:left position:10% line:89% size:80% of information from you so that 14:29.033 --> 14:29.766 align:left position:10% line:89% size:80% we can make sure to forward 14:29.766 --> 14:30.900 align:left position:10% line:89% size:80% this five hundred dollars to 14:30.900 --> 14:33.666 align:left position:10% line:89% size:80% you what's your name. 14:33.666 --> 14:34.533 align:left position:10% line:89% size:80% >> Full name. 14:34.533 --> 14:35.666 align:left position:10% line:89% size:80% Great where do you bank and 14:35.666 --> 14:36.666 align:left position:10% line:89% size:80% what's your account number. 14:36.666 --> 14:39.666 align:left position:10% line:89% size:80% Fantastic. 14:39.666 --> 14:41.000 align:left position:10% line:89% size:80% >> And your date of mother's 14:41.000 --> 14:41.333 align:left position:10% line:89% size:80% maiden name. 14:41.333 --> 14:42.233 align:left position:12.5% line:89% size:77.5% Your mother's maiden name date 14:42.233 --> 14:43.500 align:left position:10% line:89% size:80% of birth if they can get your 14:43.500 --> 14:45.266 align:left position:10% line:89% size:80% Social Security they're getting 14:45.266 --> 14:46.500 align:left position:10% line:89% size:80% they're wanting all of that 14:46.500 --> 14:47.666 align:left position:12.5% line:89% size:77.5% information from you name date 14:47.666 --> 14:48.933 align:left position:10% line:89% size:80% of birth, Social Security 14:48.933 --> 14:51.566 align:left position:10% line:89% size:80% number, your address there. 14:51.566 --> 14:52.200 align:left position:10% line:89% size:80% They're wanting that 14:52.200 --> 14:52.833 align:left position:10% line:89% size:80% information so that they can 14:52.833 --> 14:53.866 align:left position:10% line:89% size:80% take advantage of your credit 14:53.866 --> 14:56.600 align:left position:10% line:89% size:80% and take further advantage 14:56.600 --> 14:57.900 align:left position:10% line:89% size:80% of you and what they're doing 14:57.900 --> 14:58.566 align:left position:12.5% line:89% size:77.5% animation to drain my account. 14:58.566 --> 14:59.666 align:left position:10% line:89% size:80% >> That's exactly right. 14:59.666 --> 15:03.733 align:left position:10% line:89% size:80% That's exactly what here you 15:03.733 --> 15:04.133 align:left position:10% line:89% size:80% can handle. 15:04.133 --> 15:05.733 align:left position:12.5% line:89% size:77.5% I'm not thanks to Sandy I just 15:05.733 --> 15:09.266 align:left position:10% line:89% size:80% gave you five dollars million 15:09.266 --> 15:10.000 align:left position:10% line:89% size:80% on my phone. 15:10.000 --> 15:15.266 align:left position:10% line:89% size:80% >> I have gotten two things one 15:15.266 --> 15:16.033 align:left position:10% line:89% size:80% today, one yesterday. 15:16.033 --> 15:17.066 align:left position:12.5% line:89% size:77.5% >> It's amazing like how since 15:17.066 --> 15:18.833 align:left position:10% line:89% size:80% we talked about it last month 15:18.833 --> 15:21.833 align:left position:12.5% line:89% size:77.5% it's like wow I'm just so used 15:21.833 --> 15:23.100 align:left position:10% line:89% size:80% to not answering the phone or 15:23.100 --> 15:26.866 align:left position:10% line:89% size:80% throwing those things that junk 15:26.866 --> 15:28.633 align:left position:10% line:89% size:80% mail away but I got a text 15:28.633 --> 15:33.766 align:left position:12.5% line:89% size:77.5% today that said that there's a 15:33.766 --> 15:34.066 align:left position:10% line:89% size:80% headhunter. 15:34.066 --> 15:34.800 align:left position:10% line:89% size:80% Oh yes headhunter. 15:34.800 --> 15:37.800 align:left position:10% line:89% size:80% You've probably gotten those 15:37.800 --> 15:39.166 align:left position:10% line:89% size:80% well yeah I get them about once 15:39.166 --> 15:40.933 align:left position:10% line:89% size:80% a month and says the lady's 15:40.933 --> 15:45.433 align:left position:12.5% line:89% size:77.5% name whatever and according to 15:45.433 --> 15:46.033 align:left position:10% line:89% size:80% the recommendations and 15:46.033 --> 15:47.233 align:left position:10% line:89% size:80% whatever you know we know 15:47.233 --> 15:51.733 align:left position:12.5% line:89% size:77.5% you're a valued employee so we 15:51.733 --> 15:52.366 align:left position:10% line:89% size:80% want to offer you the 15:52.366 --> 15:53.033 align:left position:12.5% line:89% size:77.5% opportunity to work from home. 15:53.033 --> 15:53.800 align:left position:10% line:89% size:80% >> Sure. 15:53.800 --> 15:57.300 align:left position:10% line:89% size:80% Work from home. 15:57.300 --> 15:58.033 align:left position:10% line:89% size:80% >> Oh yes. 15:58.033 --> 15:59.800 align:left position:10% line:89% size:80% And let's see I could make 15:59.800 --> 16:01.133 align:left position:10% line:89% size:80% between two hundred and 16:01.133 --> 16:03.633 align:left position:10% line:89% size:80% two thousand a day fantastic. 16:03.633 --> 16:04.633 align:left position:10% line:89% size:80% >> How about that? 16:04.633 --> 16:06.300 align:left position:10% line:89% size:80% So at the end of the day it's 16:06.300 --> 16:09.300 align:left position:10% line:89% size:80% the smell test. 16:09.300 --> 16:10.966 align:left position:10% line:89% size:80% Does it smell does this is this 16:10.966 --> 16:14.466 align:left position:12.5% line:89% size:77.5% appropriate stop take a beat. 16:14.466 --> 16:15.600 align:left position:10% line:89% size:80% >> Think about what's being 16:15.600 --> 16:16.033 align:left position:10% line:89% size:80% presented to you. 16:16.033 --> 16:16.700 align:left position:10% line:89% size:80% Does that sound realistic? 16:16.700 --> 16:18.400 align:left position:10% line:89% size:80% Does it sound realistic that 16:18.400 --> 16:20.900 align:left position:10% line:89% size:80% somebody in this instance is 16:20.900 --> 16:21.800 align:left position:10% line:89% size:80% going to be paying you 16:21.800 --> 16:22.433 align:left position:10% line:89% size:80% two thousand dollars a day to 16:22.433 --> 16:23.433 align:left position:10% line:89% size:80% work from home if it's too good 16:23.433 --> 16:26.700 align:left position:10% line:89% size:80% to be true, it's too good to be 16:26.700 --> 16:27.733 align:left position:12.5% line:89% size:77.5% true kind of in that same vein 16:27.733 --> 16:28.600 align:left position:10% line:89% size:80% there are lottery scams where 16:28.600 --> 16:30.366 align:left position:10% line:89% size:80% folks are indicated or they 16:30.366 --> 16:33.133 align:left position:10% line:89% size:80% receive something in the mail 16:33.133 --> 16:33.900 align:left position:10% line:89% size:80% or there's a phone call. 16:33.900 --> 16:34.800 align:left position:10% line:89% size:80% They have won the lottery and 16:34.800 --> 16:36.166 align:left position:10% line:89% size:80% they are going to be getting 16:36.166 --> 16:38.433 align:left position:10% line:89% size:80% five thousand dollars ten 16:38.433 --> 16:38.966 align:left position:10% line:89% size:80% thousand dollars. 16:38.966 --> 16:39.966 align:left position:10% line:89% size:80% But first before we can send 16:39.966 --> 16:40.833 align:left position:10% line:89% size:80% the money to you, we need to 16:40.833 --> 16:43.233 align:left position:10% line:89% size:80% have you pay the tax on that so 16:43.233 --> 16:45.233 align:left position:12.5% line:89% size:77.5% there's going to be tax that's 16:45.233 --> 16:45.933 align:left position:10% line:89% size:80% due on that lottery winning. 16:45.933 --> 16:47.266 align:left position:10% line:89% size:80% >> So if you would please let 16:47.266 --> 16:49.800 align:left position:10% line:89% size:80% us know your information and 16:49.800 --> 16:51.433 align:left position:10% line:89% size:80% let us know your account number 16:51.433 --> 16:52.433 align:left position:10% line:89% size:80% will draw the money from that 16:52.433 --> 16:56.466 align:left position:10% line:89% size:80% account so that you can pay the 16:56.466 --> 16:57.733 align:left position:12.5% line:89% size:77.5% taxes that are due on this and 16:57.733 --> 16:59.000 align:left position:12.5% line:89% size:77.5% then within so many days we'll 16:59.000 --> 17:02.566 align:left position:10% line:89% size:80% make a deposit check. 17:02.566 --> 17:03.700 align:left position:10% line:89% size:80% I've also seen it where there's 17:03.700 --> 17:04.333 align:left position:10% line:89% size:80% an actual check that's mailed 17:04.333 --> 17:04.600 align:left position:10% line:89% size:80% to them. 17:04.600 --> 17:05.100 align:left position:10% line:89% size:80% They deposit it. 17:05.100 --> 17:07.100 align:left position:10% line:89% size:80% Folks think that it's real 17:07.100 --> 17:08.866 align:left position:12.5% line:89% size:77.5% immediately thereafter they're 17:08.866 --> 17:09.866 align:left position:10% line:89% size:80% sending a check off to pay 17:09.866 --> 17:10.900 align:left position:10% line:89% size:80% those taxes because they just 17:10.900 --> 17:13.900 align:left position:10% line:89% size:80% deposited that X dollar check 17:13.900 --> 17:15.533 align:left position:10% line:89% size:80% into their account and the bank 17:15.533 --> 17:16.300 align:left position:10% line:89% size:80% in essence is waiting for it to 17:16.300 --> 17:16.533 align:left position:10% line:89% size:80% process. 17:16.533 --> 17:17.566 align:left position:10% line:89% size:80% >> It's not a real check. 17:17.566 --> 17:21.100 align:left position:12.5% line:89% size:77.5% It's a scam that's too good to 17:21.100 --> 17:21.366 align:left position:10% line:89% size:80% be true. 17:21.366 --> 17:22.500 align:left position:10% line:89% size:80% >> It's too good to be true. 17:22.500 --> 17:23.866 align:left position:10% line:89% size:80% It money does not fall from the 17:23.866 --> 17:25.900 align:left position:10% line:89% size:80% sky because you're a good 17:25.900 --> 17:26.633 align:left position:10% line:89% size:80% person. 17:26.633 --> 17:27.766 align:left position:10% line:89% size:80% >> Unfortunately you're taken 17:27.766 --> 17:28.366 align:left position:10% line:89% size:80% advantage of by those folks. 17:28.366 --> 17:28.800 align:left position:10% line:89% size:80% Exactly. 17:28.800 --> 17:29.300 align:left position:10% line:89% size:80% Exactly. 17:29.300 --> 17:32.800 align:left position:10% line:89% size:80% This one that I got and this 17:32.800 --> 17:33.800 align:left position:10% line:89% size:80% came in an email I have not 17:33.800 --> 17:35.300 align:left position:10% line:89% size:80% gotten this one before but it 17:35.300 --> 17:38.566 align:left position:10% line:89% size:80% says that I have my 17:38.566 --> 17:39.833 align:left position:10% line:89% size:80% subscription has been renewed 17:39.833 --> 17:44.333 align:left position:10% line:89% size:80% for four something I don't know 17:44.333 --> 17:45.400 align:left position:10% line:89% size:80% what it was for three years. 17:45.400 --> 17:47.633 align:left position:10% line:89% size:80% >> Oh for three years and the 17:47.633 --> 17:50.400 align:left position:10% line:89% size:80% payment is seven hundred and 17:50.400 --> 17:51.666 align:left position:10% line:89% size:80% ninety nine dollars and the 17:51.666 --> 17:56.433 align:left position:10% line:89% size:80% tiny little print at the bottom 17:56.433 --> 17:57.800 align:left position:12.5% line:89% size:77.5% says you know if you feel this 17:57.800 --> 18:01.900 align:left position:10% line:89% size:80% is wrong or I don't whatever 18:01.900 --> 18:03.166 align:left position:12.5% line:89% size:77.5% then call this number whatever 18:03.166 --> 18:04.400 align:left position:12.5% line:89% size:77.5% to unsubscribe but like people 18:04.400 --> 18:08.933 align:left position:10% line:89% size:80% have probably if you can if you 18:08.933 --> 18:09.933 align:left position:10% line:89% size:80% have a lot of expenses maybe 18:09.933 --> 18:13.466 align:left position:10% line:89% size:80% you think oh that's probably 18:13.466 --> 18:14.833 align:left position:12.5% line:89% size:77.5% the magazine I forgot that I'm 18:14.833 --> 18:15.433 align:left position:10% line:89% size:80% getting or something right. 18:15.433 --> 18:16.633 align:left position:10% line:89% size:80% >> So that's again if you're 18:16.633 --> 18:19.900 align:left position:12.5% line:89% size:77.5% looking at it it doesn't sound 18:19.900 --> 18:20.166 align:left position:10% line:89% size:80% familiar. 18:20.166 --> 18:21.533 align:left position:10% line:89% size:80% I can't imagine I paid seven 18:21.533 --> 18:22.100 align:left position:10% line:89% size:80% eight hundred dollars for a 18:22.100 --> 18:23.066 align:left position:10% line:89% size:80% magazine subscription stop take 18:23.066 --> 18:26.566 align:left position:10% line:89% size:80% a beat really think about it 18:26.566 --> 18:27.066 align:left position:10% line:89% size:80% and process it. 18:27.066 --> 18:27.833 align:left position:10% line:89% size:80% What's important to is 18:27.833 --> 18:28.333 align:left position:10% line:89% size:80% for folks to surround 18:28.333 --> 18:29.333 align:left position:10% line:89% size:80% themselves with others that 18:29.333 --> 18:32.366 align:left position:10% line:89% size:80% they trust that are trustworthy 18:32.366 --> 18:33.166 align:left position:10% line:89% size:80% people that if they something 18:33.166 --> 18:34.000 align:left position:10% line:89% size:80% comes up and it sounds too good 18:34.000 --> 18:36.266 align:left position:10% line:89% size:80% to be true if they're getting a 18:36.266 --> 18:38.533 align:left position:10% line:89% size:80% phone call they're getting 18:38.533 --> 18:39.166 align:left position:10% line:89% size:80% harassed to send money or 18:39.166 --> 18:40.300 align:left position:10% line:89% size:80% requested to send money reach 18:40.300 --> 18:44.566 align:left position:10% line:89% size:80% out to that person that is that 18:44.566 --> 18:45.233 align:left position:10% line:89% size:80% trusted person in your 18:45.233 --> 18:45.866 align:left position:10% line:89% size:80% life that trusted contact and 18:45.866 --> 18:47.366 align:left position:10% line:89% size:80% what we encourage our seniors 18:47.366 --> 18:50.633 align:left position:10% line:89% size:80% to do is to establish those 18:50.633 --> 18:51.200 align:left position:10% line:89% size:80% relationships with trusted 18:51.200 --> 18:52.400 align:left position:10% line:89% size:80% people before they get to the 18:52.400 --> 18:55.666 align:left position:10% line:89% size:80% point of really not quite 18:55.666 --> 18:56.833 align:left position:10% line:89% size:80% understanding what's going on 18:56.833 --> 18:57.300 align:left position:10% line:89% size:80% before they're really 18:57.300 --> 18:57.766 align:left position:10% line:89% size:80% especially vulnerable. 18:57.766 --> 18:59.500 align:left position:10% line:89% size:80% You want to establish those 18:59.500 --> 19:02.300 align:left position:10% line:89% size:80% relationships early on. 19:02.300 --> 19:03.566 align:left position:10% line:89% size:80% One of the suggestions too is 19:03.566 --> 19:04.433 align:left position:10% line:89% size:80% to make sure that you stay 19:04.433 --> 19:05.433 align:left position:10% line:89% size:80% socially active and you're 19:05.433 --> 19:07.733 align:left position:10% line:89% size:80% around other people that you 19:07.733 --> 19:08.233 align:left position:10% line:89% size:80% can talk about. 19:08.233 --> 19:09.233 align:left position:12.5% line:89% size:77.5% >> Are you here have you heard 19:09.233 --> 19:09.533 align:left position:10% line:89% size:80% this before? 19:09.533 --> 19:10.166 align:left position:10% line:89% size:80% Does this sound genuine? 19:10.166 --> 19:10.600 align:left position:10% line:89% size:80% Yeah. 19:10.600 --> 19:13.866 align:left position:10% line:89% size:80% So you're not you're not by 19:13.866 --> 19:14.500 align:left position:10% line:89% size:80% yourself and in your own 19:14.500 --> 19:15.066 align:left position:10% line:89% size:80% thoughts and thinking, gosh, 19:15.066 --> 19:16.033 align:left position:10% line:89% size:80% somebody is reaching out to me. 19:16.033 --> 19:32.533 align:left position:10% line:89% size:80% They're showing me affection 19:32.533 --> 19:35.033 align:left position:10% line:89% size:80% . 19:35.033 --> 19:36.300 align:left position:12.5% line:89% size:77.5% Somebody is calling me it's so 19:36.300 --> 19:37.166 align:left position:10% line:89% size:80% nice to have someone to talk to 19:37.166 --> 19:37.700 align:left position:10% line:89% size:80% on a regular basis. 19:37.700 --> 19:38.466 align:left position:10% line:89% size:80% There's an instance where a 19:38.466 --> 19:38.966 align:left position:10% line:89% size:80% gentleman who is being 19:38.966 --> 19:39.600 align:left position:12.5% line:89% size:77.5% contacted by allegedly a young 19:39.600 --> 19:40.233 align:left position:10% line:89% size:80% woman and she had small 19:40.233 --> 19:40.900 align:left position:10% line:89% size:80% children and she was struggling 19:40.900 --> 19:41.466 align:left position:10% line:89% size:80% to pay for the groceries and 19:41.466 --> 19:42.000 align:left position:10% line:89% size:80% put food on the table. 19:42.000 --> 19:42.800 align:left position:12.5% line:89% size:77.5% So he was sending small dollar 19:42.800 --> 19:43.466 align:left position:10% line:89% size:80% amounts and so that process was 19:43.466 --> 19:44.133 align:left position:10% line:89% size:80% started to get more and more 19:44.133 --> 19:44.833 align:left position:10% line:89% size:80% money and individual as it went 19:44.833 --> 19:45.433 align:left position:10% line:89% size:80% along the amount she needed 19:45.433 --> 19:46.066 align:left position:10% line:89% size:80% became more became greater so 19:46.066 --> 19:48.200 align:left position:10% line:89% size:80% the person had a good heart was 19:48.200 --> 19:50.466 align:left position:10% line:89% size:80% doing felt that they were doing 19:50.466 --> 19:50.833 align:left position:10% line:89% size:80% a good thing. 19:50.833 --> 19:51.633 align:left position:10% line:89% size:80% >> They were lonely maybe. 19:51.633 --> 19:53.233 align:left position:10% line:89% size:80% And at the end of the day 19:53.233 --> 19:56.000 align:left position:10% line:89% size:80% though that wasn't the 19:56.000 --> 19:57.033 align:left position:10% line:89% size:80% situation they were being taken 19:57.033 --> 19:57.400 align:left position:10% line:89% size:80% advantage of . 19:57.400 --> 19:58.200 align:left position:10% line:89% size:80% >> So you want to surround 19:58.200 --> 19:58.766 align:left position:10% line:89% size:80% yourself with good people. 19:58.766 --> 20:00.966 align:left position:10% line:89% size:80% You want to try and stay 20:00.966 --> 20:02.333 align:left position:10% line:89% size:80% socially active, have a group 20:02.333 --> 20:03.233 align:left position:10% line:89% size:80% with whom you can speak and ask 20:03.233 --> 20:04.000 align:left position:10% line:89% size:80% does this sound real? 20:04.000 --> 20:07.500 align:left position:10% line:89% size:80% Have you heard this? 20:07.500 --> 20:08.633 align:left position:10% line:89% size:80% >> Some suggestions are that 20:08.633 --> 20:09.300 align:left position:12.5% line:89% size:77.5% even with your Social Security 20:09.300 --> 20:10.666 align:left position:12.5% line:89% size:77.5% you can have a Social Security 20:10.666 --> 20:13.666 align:left position:10% line:89% size:80% pay designee so that person 20:13.666 --> 20:14.433 align:left position:10% line:89% size:80% could collect your social 20:14.433 --> 20:14.633 align:left position:10% line:89% size:80% again. 20:14.633 --> 20:15.566 align:left position:10% line:89% size:80% >> A trusted person would be 20:15.566 --> 20:17.600 align:left position:10% line:89% size:80% able to receive the funds so 20:17.600 --> 20:20.333 align:left position:10% line:89% size:80% that you're not being taken 20:20.333 --> 20:20.766 align:left position:10% line:89% size:80% advantage of there. 20:20.766 --> 20:21.600 align:left position:10% line:89% size:80% >> Sometimes folks are 20:21.600 --> 20:23.366 align:left position:10% line:89% size:80% encouraged to move into a 20:23.366 --> 20:25.400 align:left position:10% line:89% size:80% community. 20:25.400 --> 20:26.766 align:left position:10% line:89% size:80% >> It's maybe a 55 and older 20:26.766 --> 20:27.033 align:left position:10% line:89% size:80% community. 20:27.033 --> 20:28.033 align:left position:10% line:89% size:80% So you have folks that are 20:28.033 --> 20:28.566 align:left position:10% line:89% size:80% around you. 20:28.566 --> 20:32.066 align:left position:10% line:89% size:80% You have the community itself 20:32.066 --> 20:32.966 align:left position:10% line:89% size:80% may be protected who can come 20:32.966 --> 20:34.333 align:left position:10% line:89% size:80% and go right so that you're not 20:34.333 --> 20:37.100 align:left position:10% line:89% size:80% interested advantage if there's 20:37.100 --> 20:38.400 align:left position:10% line:89% size:80% probably communication I mean 20:38.400 --> 20:39.033 align:left position:10% line:89% size:80% they're sharing with the rest 20:39.033 --> 20:40.033 align:left position:12.5% line:89% size:77.5% of the people in the community 20:40.033 --> 20:43.533 align:left position:10% line:89% size:80% this scam is going on exactly 20:43.533 --> 20:43.800 align:left position:10% line:89% size:80% right. 20:43.800 --> 20:44.666 align:left position:10% line:89% size:80% >> Thomas hi. 20:44.666 --> 20:46.066 align:left position:10% line:89% size:80% Thomas Thomas is watching us 20:46.066 --> 20:48.833 align:left position:10% line:89% size:80% here tonight on LIFE Ahead. 20:48.833 --> 20:50.133 align:left position:12.5% line:89% size:77.5% >> Thomas, you have a question 20:50.133 --> 20:50.400 align:left position:10% line:89% size:80% for Brian? 20:50.400 --> 20:50.966 align:left position:10% line:89% size:80% I did. 20:50.966 --> 20:55.733 align:left position:12.5% line:89% size:77.5% I'm a small business owner and 20:55.733 --> 20:57.233 align:left position:10% line:89% size:80% I've had several different 20:57.233 --> 21:01.300 align:left position:10% line:89% size:80% people. 21:01.300 --> 21:02.800 align:left position:10% line:89% size:80% It's like a Somalian accent 21:02.800 --> 21:07.300 align:left position:10% line:89% size:80% telling me that they have a 21:07.300 --> 21:08.333 align:left position:10% line:89% size:80% home in the Fort Wayne area and 21:08.333 --> 21:10.333 align:left position:12.5% line:89% size:77.5% they want four or five ceiling 21:10.333 --> 21:12.833 align:left position:10% line:89% size:80% sounds installed. 21:12.833 --> 21:13.966 align:left position:10% line:89% size:80% Do I accept checks? 21:13.966 --> 21:19.966 align:left position:10% line:89% size:80% Well, first time I gave them my 21:19.966 --> 21:21.000 align:left position:12.5% line:89% size:77.5% address they mailed me a check 21:21.000 --> 21:24.266 align:left position:10% line:89% size:80% in advance and paid me and 21:24.266 --> 21:25.900 align:left position:12.5% line:89% size:77.5% somehow my bank said the check 21:25.900 --> 21:26.800 align:left position:10% line:89% size:80% was a fraud but right. 21:26.800 --> 21:30.800 align:left position:10% line:89% size:80% They they try that a lot like 21:30.800 --> 21:31.366 align:left position:10% line:89% size:80% you know seventeen hundred 21:31.366 --> 21:32.333 align:left position:10% line:89% size:80% thirty two hundred dollar check 21:32.333 --> 21:36.100 align:left position:10% line:89% size:80% or whatever and somehow explain 21:36.100 --> 21:37.000 align:left position:10% line:89% size:80% how that whole scam works 21:37.000 --> 21:38.400 align:left position:10% line:89% size:80% because it seems like you know, 21:38.400 --> 21:42.900 align:left position:10% line:89% size:80% they're wanting me to do the 21:42.900 --> 21:43.800 align:left position:10% line:89% size:80% work and I go to an address 21:43.800 --> 21:44.166 align:left position:10% line:89% size:80% nobody's there. 21:44.166 --> 21:47.433 align:left position:10% line:89% size:80% You're never there key and 21:47.433 --> 21:49.066 align:left position:10% line:89% size:80% right now well not enough sure. 21:49.066 --> 21:54.066 align:left position:12.5% line:89% size:77.5% >> So Thomas I'm first I'm sad 21:54.066 --> 21:55.066 align:left position:10% line:89% size:80% that that's happened to you 21:55.066 --> 21:55.733 align:left position:10% line:89% size:80% but I think we should gather 21:55.733 --> 21:56.733 align:left position:12.5% line:89% size:77.5% from tonight's conversation is 21:56.733 --> 22:00.066 align:left position:10% line:89% size:80% that it happens very frequently 22:00.066 --> 22:01.466 align:left position:10% line:89% size:80% and to a lot of people it's not 22:01.466 --> 22:01.733 align:left position:10% line:89% size:80% just you. 22:01.733 --> 22:02.600 align:left position:10% line:89% size:80% This is something that's 22:02.600 --> 22:04.333 align:left position:10% line:89% size:80% happening on a very regular 22:04.333 --> 22:06.366 align:left position:10% line:89% size:80% basis. 22:06.366 --> 22:07.366 align:left position:10% line:89% size:80% Sandy is giving you examples 22:07.366 --> 22:07.900 align:left position:10% line:89% size:80% of experiences she's had I 22:07.900 --> 22:08.666 align:left position:10% line:89% size:80% giving you examples of the 22:08.666 --> 22:10.433 align:left position:12.5% line:89% size:77.5% things that have happened with 22:10.433 --> 22:12.933 align:left position:10% line:89% size:80% me and within my family with 22:12.933 --> 22:13.166 align:left position:10% line:89% size:80% clients. 22:13.166 --> 22:13.833 align:left position:10% line:89% size:80% >> It's very common. 22:13.833 --> 22:14.700 align:left position:10% line:89% size:80% So thank you very much 22:14.700 --> 22:15.700 align:left position:10% line:89% size:80% for saying that that's happened 22:15.700 --> 22:16.466 align:left position:10% line:89% size:80% to you. 22:16.466 --> 22:18.700 align:left position:10% line:89% size:80% But it would be uncommon. 22:18.700 --> 22:19.833 align:left position:10% line:89% size:80% So we're going to think about 22:19.833 --> 22:20.200 align:left position:10% line:89% size:80% that situation. 22:20.200 --> 22:21.366 align:left position:10% line:89% size:80% It would be uncommon 22:21.366 --> 22:24.133 align:left position:12.5% line:89% size:77.5% for someone to say before I've 22:24.133 --> 22:25.266 align:left position:10% line:89% size:80% met you, before you've come and 22:25.266 --> 22:26.033 align:left position:10% line:89% size:80% done the work, I'm going to 22:26.033 --> 22:26.800 align:left position:10% line:89% size:80% send you payment. 22:26.800 --> 22:30.300 align:left position:10% line:89% size:80% So what happens? 22:30.300 --> 22:31.300 align:left position:10% line:89% size:80% So that's the first step. 22:31.300 --> 22:32.066 align:left position:10% line:89% size:80% Does this make sense? 22:32.066 --> 22:33.066 align:left position:10% line:89% size:80% Do I typically am I typically 22:33.066 --> 22:34.600 align:left position:10% line:89% size:80% paid in advance of doing that 22:34.600 --> 22:36.333 align:left position:10% line:89% size:80% handyman work that you're 22:36.333 --> 22:37.100 align:left position:10% line:89% size:80% referencing hanging in those 22:37.100 --> 22:37.700 align:left position:10% line:89% size:80% ceiling fans know typically 22:37.700 --> 22:38.266 align:left position:10% line:89% size:80% folks would pay you after 22:38.266 --> 22:38.766 align:left position:10% line:89% size:80% you've done the work. 22:38.766 --> 22:41.300 align:left position:12.5% line:89% size:77.5% So that's our first thing that 22:41.300 --> 22:42.166 align:left position:10% line:89% size:80% we want to look at. 22:42.166 --> 22:42.933 align:left position:12.5% line:89% size:77.5% Secondly, what they're wanting 22:42.933 --> 22:43.700 align:left position:10% line:89% size:80% you to do is deposit that 22:43.700 --> 22:43.900 align:left position:10% line:89% size:80% check. 22:43.900 --> 22:45.200 align:left position:10% line:89% size:80% You deposit the check and 22:45.200 --> 22:47.733 align:left position:10% line:89% size:80% sometimes what happens is 22:47.733 --> 22:48.733 align:left position:10% line:89% size:80% people will draw against that 22:48.733 --> 22:48.933 align:left position:10% line:89% size:80% check. 22:48.933 --> 22:49.266 align:left position:10% line:89% size:80% Right. 22:49.266 --> 22:50.033 align:left position:10% line:89% size:80% So it must be good. 22:50.033 --> 22:50.666 align:left position:10% line:89% size:80% This check is good. 22:50.666 --> 22:53.166 align:left position:10% line:89% size:80% So I'm going to draw against 22:53.166 --> 22:53.933 align:left position:10% line:89% size:80% take that money. 22:53.933 --> 22:55.566 align:left position:12.5% line:89% size:77.5% I trust them normally with the 22:55.566 --> 22:59.566 align:left position:10% line:89% size:80% check being deposited it 22:59.566 --> 23:00.400 align:left position:10% line:89% size:80% there's something that goes 23:00.400 --> 23:00.800 align:left position:10% line:89% size:80% along with it. 23:00.800 --> 23:01.600 align:left position:10% line:89% size:80% You're going to be returning 23:01.600 --> 23:03.433 align:left position:10% line:89% size:80% funds to them so I'm paying you 23:03.433 --> 23:05.433 align:left position:10% line:89% size:80% a check. 23:05.433 --> 23:06.700 align:left position:10% line:89% size:80% So you've told me the fan is 23:06.700 --> 23:07.333 align:left position:10% line:89% size:80% five hundred dollars to install 23:07.333 --> 23:08.333 align:left position:10% line:89% size:80% I'm going to send you a 23:08.333 --> 23:09.600 align:left position:12.5% line:89% size:77.5% seventeen hundred dollar check 23:09.600 --> 23:12.133 align:left position:10% line:89% size:80% just cut you a check back 23:12.133 --> 23:12.800 align:left position:12.5% line:89% size:77.5% for the difference between the 23:12.800 --> 23:13.333 align:left position:10% line:89% size:80% five hundred and seventeen 23:13.333 --> 23:14.300 align:left position:12.5% line:89% size:77.5% hundred dollar check that I've 23:14.300 --> 23:17.300 align:left position:10% line:89% size:80% sent to you and you've you've 23:17.300 --> 23:18.500 align:left position:10% line:89% size:80% made the check it's deposited 23:18.500 --> 23:19.233 align:left position:10% line:89% size:80% the bank is waiting for it to 23:19.233 --> 23:20.366 align:left position:10% line:89% size:80% clear in the interim you're 23:20.366 --> 23:23.366 align:left position:10% line:89% size:80% sending payment to them. 23:23.366 --> 23:24.433 align:left position:10% line:89% size:80% So that's oftentimes what 23:24.433 --> 23:25.133 align:left position:10% line:89% size:80% happens with the check schemes, 23:25.133 --> 23:26.400 align:left position:10% line:89% size:80% the lottery schemes, all 23:26.400 --> 23:30.166 align:left position:10% line:89% size:80% of that kind of in the same 23:30.166 --> 23:30.433 align:left position:10% line:89% size:80% vein. 23:30.433 --> 23:31.433 align:left position:10% line:89% size:80% >> Yeah, it's so sad. 23:31.433 --> 23:33.200 align:left position:10% line:89% size:80% Thomas, thank you so much 23:33.200 --> 23:35.700 align:left position:10% line:89% size:80% for calling tonight and sharing 23:35.700 --> 23:36.200 align:left position:10% line:89% size:80% your story. 23:36.200 --> 23:37.033 align:left position:10% line:89% size:80% And as Brian mentioned, 23:37.033 --> 23:38.000 align:left position:10% line:89% size:80% probably every one of you 23:38.000 --> 23:41.266 align:left position:10% line:89% size:80% that's watching tonight have 23:41.266 --> 23:42.566 align:left position:10% line:89% size:80% had some sort of a situation 23:42.566 --> 23:43.566 align:left position:10% line:89% size:80% whether it's, you know, mail or 23:43.566 --> 23:46.300 align:left position:12.5% line:89% size:77.5% phone call or whatever that is 23:46.300 --> 23:47.066 align:left position:10% line:89% size:80% attempted scam. 23:47.066 --> 23:47.566 align:left position:10% line:89% size:80% >> True. 23:47.566 --> 23:49.600 align:left position:10% line:89% size:80% How much money you talked about 23:49.600 --> 23:53.100 align:left position:10% line:89% size:80% romance between how much is 23:53.100 --> 23:53.900 align:left position:10% line:89% size:80% lost every year for that 23:53.900 --> 23:54.333 align:left position:10% line:89% size:80% literally billions. 23:54.333 --> 23:58.133 align:left position:10% line:89% size:80% >> Billions do you know just 23:58.133 --> 23:59.666 align:left position:10% line:89% size:80% scams in general how much money 23:59.666 --> 23:59.866 align:left position:10% line:89% size:80% lost? 23:59.866 --> 24:00.866 align:left position:12.5% line:89% size:77.5% >> The number that I have from 24:00.866 --> 24:02.633 align:left position:10% line:89% size:80% the FBI is three point four 24:02.633 --> 24:04.900 align:left position:10% line:89% size:80% billion in twenty twenty three. 24:04.900 --> 24:06.666 align:left position:12.5% line:89% size:77.5% So I only have partial numbers 24:06.666 --> 24:06.933 align:left position:10% line:89% size:80% for twenty 24:06.933 --> 24:07.533 align:left position:10% line:89% size:80% twenty four obviously nothing 24:07.533 --> 24:08.200 align:left position:10% line:89% size:80% for twenty twenty five yet 24:08.200 --> 24:11.200 align:left position:10% line:89% size:80% but I think too we should think 24:11.200 --> 24:12.100 align:left position:10% line:89% size:80% ahead not only how much money 24:12.100 --> 24:12.866 align:left position:12.5% line:89% size:77.5% is being lost but how else can 24:12.866 --> 24:13.500 align:left position:10% line:89% size:80% we protect ourselves. 24:13.500 --> 24:17.000 align:left position:10% line:89% size:80% So one of the things that you 24:17.000 --> 24:18.033 align:left position:10% line:89% size:80% may consider doing we talk on 24:18.033 --> 24:18.900 align:left position:10% line:89% size:80% the show you've heard other 24:18.900 --> 24:19.666 align:left position:10% line:89% size:80% attorneys talking for myself 24:19.666 --> 24:22.933 align:left position:10% line:89% size:80% talk about trusts there are 24:22.933 --> 24:23.966 align:left position:10% line:89% size:80% living trusts just a basic 24:23.966 --> 24:25.200 align:left position:10% line:89% size:80% living trust that could be 24:25.200 --> 24:29.233 align:left position:12.5% line:89% size:77.5% prepared that not only are you 24:29.233 --> 24:30.000 align:left position:10% line:89% size:80% the trustee perhaps a trusted 24:30.000 --> 24:30.866 align:left position:10% line:89% size:80% person in your life is also a 24:30.866 --> 24:31.133 align:left position:10% line:89% size:80% trustee. 24:31.133 --> 24:34.900 align:left position:10% line:89% size:80% You have those trusts sometimes 24:34.900 --> 24:35.900 align:left position:12.5% line:89% size:77.5% we built in something called a 24:35.900 --> 24:36.566 align:left position:10% line:89% size:80% trust advisor where they can 24:36.566 --> 24:37.800 align:left position:10% line:89% size:80% remove somebody if they were 24:37.800 --> 24:39.333 align:left position:10% line:89% size:80% taking advantage of their 24:39.333 --> 24:40.600 align:left position:10% line:89% size:80% position as a trustee. 24:40.600 --> 24:41.633 align:left position:10% line:89% size:80% But you want to build something 24:41.633 --> 24:42.366 align:left position:10% line:89% size:80% where somebody else can step in 24:42.366 --> 24:43.500 align:left position:10% line:89% size:80% can help protect your money. 24:43.500 --> 24:46.833 align:left position:10% line:89% size:80% Yeah, And can be a gatekeeper 24:46.833 --> 24:47.666 align:left position:10% line:89% size:80% to those funds being lost. 24:47.666 --> 24:52.433 align:left position:10% line:89% size:80% So first is always to think 24:52.433 --> 24:52.800 align:left position:10% line:89% size:80% about it. 24:52.800 --> 24:53.700 align:left position:10% line:89% size:80% Does it is this right? 24:53.700 --> 24:54.833 align:left position:10% line:89% size:80% Is it if it's too good to be 24:54.833 --> 24:56.100 align:left position:12.5% line:89% size:77.5% true if I'm the small business 24:56.100 --> 24:58.366 align:left position:10% line:89% size:80% owner and somebody sending me a 24:58.366 --> 24:59.066 align:left position:10% line:89% size:80% check for seventy two hundred 24:59.066 --> 24:59.700 align:left position:10% line:89% size:80% dollars before I've done any 24:59.700 --> 25:00.466 align:left position:10% line:89% size:80% work and they're asking me to 25:00.466 --> 25:01.866 align:left position:10% line:89% size:80% send a little bit money back to 25:01.866 --> 25:04.133 align:left position:10% line:89% size:80% them that isn't normal. 25:04.133 --> 25:05.066 align:left position:10% line:89% size:80% That's not normal behavior. 25:05.066 --> 25:06.133 align:left position:10% line:89% size:80% So we want to listen to that 25:06.133 --> 25:06.433 align:left position:10% line:89% size:80% phone call. 25:06.433 --> 25:08.066 align:left position:12.5% line:89% size:77.5% Is it normal in my life have I 25:08.066 --> 25:10.833 align:left position:10% line:89% size:80% had someone reach out to me out 25:10.833 --> 25:11.700 align:left position:10% line:89% size:80% of the blue that I've never met 25:11.700 --> 25:12.466 align:left position:10% line:89% size:80% before saying that they love me 25:12.466 --> 25:13.733 align:left position:12.5% line:89% size:77.5% and they need my help and they 25:13.733 --> 25:15.733 align:left position:10% line:89% size:80% have small children or those 25:15.733 --> 25:16.900 align:left position:10% line:89% size:80% types of things going on. 25:16.900 --> 25:17.800 align:left position:12.5% line:89% size:77.5% So surround yourself with good 25:17.800 --> 25:18.033 align:left position:10% line:89% size:80% people. 25:18.033 --> 25:18.533 align:left position:10% line:89% size:80% Don't isolate yourself. 25:18.533 --> 25:20.666 align:left position:10% line:89% size:80% Get those documents set up in 25:20.666 --> 25:22.933 align:left position:10% line:89% size:80% advance so that if someboy 25:22.933 --> 25:23.833 align:left position:10% line:89% size:80% needs to help you they can help 25:23.833 --> 25:24.866 align:left position:10% line:89% size:80% you out and share your 25:24.866 --> 25:26.366 align:left position:12.5% line:89% size:77.5% information like Thomas shared 25:26.366 --> 25:28.866 align:left position:10% line:89% size:80% his story tonight. 25:28.866 --> 25:30.266 align:left position:10% line:89% size:80% You know, if you have something 25:30.266 --> 25:31.633 align:left position:10% line:89% size:80% going on like we both talked 25:31.633 --> 25:34.633 align:left position:10% line:89% size:80% about, we've gotten lucky. 25:34.633 --> 25:35.633 align:left position:10% line:89% size:80% >> Was it text? 25:35.633 --> 25:36.666 align:left position:10% line:89% size:80% Is that how it came? 25:36.666 --> 25:40.433 align:left position:12.5% line:89% size:77.5% I received the text I received 25:40.433 --> 25:41.166 align:left position:10% line:89% size:80% a text regarding Toll this 25:41.166 --> 25:41.366 align:left position:10% line:89% size:80% week. 25:41.366 --> 25:42.800 align:left position:10% line:89% size:80% I received a letter you've 25:42.800 --> 25:45.800 align:left position:10% line:89% size:80% received apparently two texts 25:45.800 --> 25:46.966 align:left position:10% line:89% size:80% email some postcards in the 25:46.966 --> 25:47.966 align:left position:10% line:89% size:80% mail family member was on the 25:47.966 --> 25:49.733 align:left position:10% line:89% size:80% television what phone number to 25:49.733 --> 25:52.866 align:left position:10% line:89% size:80% call regarding getting their TV 25:52.866 --> 25:53.233 align:left position:10% line:89% size:80% working again. 25:53.233 --> 25:54.000 align:left position:10% line:89% size:80% >> They're very clever, very 25:54.000 --> 25:58.033 align:left position:10% line:89% size:80% clever, very clever and the 25:58.033 --> 25:59.533 align:left position:10% line:89% size:80% toll road one by the way is 25:59.533 --> 26:00.233 align:left position:10% line:89% size:80% very common right now and 26:00.233 --> 26:00.866 align:left position:10% line:89% size:80% that's when they're going to 26:00.866 --> 26:02.400 align:left position:10% line:89% size:80% call you or text you and tell 26:02.400 --> 26:04.900 align:left position:10% line:89% size:80% you you owe X number of dollars 26:04.900 --> 26:06.033 align:left position:10% line:89% size:80% for toll road fees for 80 90 26:06.033 --> 26:08.033 align:left position:10% line:89% size:80% and I haven't been on eighty 26:08.033 --> 26:10.433 align:left position:10% line:89% size:80% ninety five years so I knew 26:10.433 --> 26:11.066 align:left position:10% line:89% size:80% that one was a scam. 26:11.066 --> 26:12.466 align:left position:10% line:89% size:80% >> Thank you for watching and I 26:12.466 --> 26:15.466 align:left position:10% line:89% size:80% hope you have learned a lot 26:15.466 --> 26:16.633 align:left position:10% line:89% size:80% here that might protect you. 26:16.633 --> 26:17.600 align:left position:10% line:89% size:80% Brian, thank you for sharing. 26:17.600 --> 26:18.133 align:left position:10% line:89% size:80% Thank you Sandy . 26:18.133 --> 26:18.533 align:left position:10% line:89% size:80% Appreciate it. 26:18.533 --> 26:18.900 align:left position:10% line:89% size:80% All right. 26:18.900 --> 26:20.900 align:left position:10% line:89% size:80% We'll see you next Wednesday 26:20.900 --> 26:21.433 align:left position:10% line:89% size:80% night. 26:21.433 --> 26:22.666 align:left position:10% line:89% size:80% Seven thirty right here. 26:22.666 --> 27:13.066 align:left position:10% line:89% size:80% No scam no scam 27:14.133 --> 27:17.166 align:left position:22.5% line:83% size:67.5% Nugen Law; focusing on estate planning and elder care 27:17.166 --> 27:20.733 align:left position:12.5% line:83% size:77.5% law, emphasizing independence and quality of life. 27:20.733 --> 27:24.133 align:left position:22.5% line:83% size:67.5% Serving Indiana, Ohio, Michigan, and Florida. 27:24.133 --> 27:28.133 align:left position:30% line:83% size:60% More information at NugenLaw.com.