Cottman,Crawford and the Jersey guy.
Two Brooklyn born gen X guys and a Jersey millennial shooting the shit. Talking about everything and anything. Ready to hear topic suggestions for future podcasts and feedback on those we have recorded. Follow and Like us on FaceBook & Instagram. Email: CCandNJGuy@Gmail.com
Cottman,Crawford and the Jersey guy.
Unraveling Scam Tactics: Personal Threats, Ethical Dilemmas, and Vigilant Protection Strategies
Ever wondered how far scammers will go to exploit people's trust? Join us for an eye-opening conversation as we unravel the alarming rise of scams and hacking threats that pervade our daily lives. We begin by sharing a personal moment of our recent flu hiatus before diving into the world of deceit, from Amazon gift card scams to fraudulent phone calls targeting the elderly. Learn how to protect your loved ones by recognizing red flags and staying alert to unsolicited messages, risky public charging stations, and the subtle dangers of Bluetooth technology.
We also explore the ethical gray areas of scams, drawing inspiration from characters like those in "Catch Me If You Can," who navigate the line between cleverness and deceit. Discover how some individuals manage to turn their talents around for good, aiding in crime prevention or working with non-profits. Through stories and examples, we highlight the importance of applying one's skills ethically and emphasize the need for vigilance against common scams like government impersonators and financial fraudsters exploiting people's vulnerabilities.
Finally, arm yourself with practical strategies to fend off financial scams and predatory practices. From identifying card skimmers on ATMs and gas pumps to recognizing misleading investment and home repair opportunities, we provide insights on staying secure. With tips on using RFID-blocking wallets and avoiding suspicious ATMs, we discuss the predatory nature of certain employment practices and share ways to protect yourself and your family from scams like emergency surgery imposters. Tune in for an episode packed with valuable advice and take the first step toward scam-proofing your life.
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Jersey Guy podcast. I'm Moose here with my good friend Kenny and the Jersey Guy Tom. How is everybody doing?
Speaker 2:shitting like a motherfucker I'm good yeah yeah, everything good bro, how you?
Speaker 1:feeling. You know, now I'm feeling better. Yeah, we had to take a hyenas cause. Yeah, it wasn't got the flu.
Speaker 2:Got lucky it happens. Yeah, insane. Yeah, it was crazy. Yeah, I know you had it bad.
Speaker 1:You said it was mostly body aches. I didn't get it. The other way which I was you.
Speaker 2:Anything I don't want that what I got was like the sniffless thing, God yeah.
Speaker 1:But otherwise I'm feeling good. I'm back to work.
Speaker 3:I've been fine. Everybody else in my house has been sick.
Speaker 1:Really Knock on wood Knock on wood man.
Speaker 2:Hello to the yeah.
Speaker 1:Poop, poop, as they would say when I was growing up.
Speaker 2:Okay, yeah, I never heard that one. Ready for another exciting show.
Speaker 1:Yeah, so we were talking about this earlier. Right Right Scams, right Rampant, they are all over the place. Crazy, crazy.
Speaker 2:I mean no matter what you tell on your phone, your TV, social media, you know?
Speaker 1:just think that I'm like why.
Speaker 3:You know I can't. I just want to say one thing go ahead. I was listening. If someone is asking you for payment in form of amazon gift cards, yep that's a red flag immediately that's like I just want to point I don't know, I don't I hate to start off like so I don't want to.
Speaker 1:No, that's a good point, that's a good one.
Speaker 2:Well, I have that's a good place to start. That's a good place to start because they do that with that is the most common thing they ask for that should ring off.
Speaker 3:A red alert Be like. Who am I speaking to?
Speaker 2:Yeah, you know what I mean Any kind of gift card. If anybody says gift card payment, don't do it.
Speaker 1:Well, my dad was alive and I would talk, hang up the phone with them, tell them you need to call me and you'll call them right back. Call me. So I know what it is. Because I know if it's a scam, because they were doing the phone scams to the seniors and I didn't want him getting hit. And he didn't, because he listened to me, he made sure he went to you know, he had an answer machine and everything, so he knew what numbers were calling in and everything. He was pretty decent about it.
Speaker 1:But, yeah, I had to make sure that he was good, because he wasn't on top of that stuff.
Speaker 2:Well, yeah, because you didn't see it on the news or whatever, yeah, you watch that shit differently. But because they have they're called the elderly saying oh, so we got Tom. Yeah, tom is your grandson, we have him in jail. So we got Tom. Yeah, tom is your grandson, we have him in jail. We need you to go and get gift cards to Amazon, and it has to be in this and it's got to be. They don't let it go past $1,000, and we just need you to do it. So get five of them for $999, and da-da-da-da. So, yeah, you got to be careful with that man. It's wild and it's crazy If your person everybody gets that one phone call.
Speaker 1:Be careful. Yeah, listen, I get it comes in our text messages as well. I'm always hitting junk and having it deleted.
Speaker 3:It's like hey, hi, or like what's up, or like, or then they get clever, Like they'll be like. Hi, Jennifer, I can't make the Pilates class today.
Speaker 2:Right.
Speaker 3:And then they're expecting someone to be like sorry, wrong number. Yeah, and they'll be like oh, but who are you? And then?
Speaker 2:I try to get in the conversation, but what it is too, is that when you answer those back, they can hack your phone. Oh that, yeah, yeah, yeah, you're not supposed to open up email you know, I don't, I just delete messages.
Speaker 1:I don't know the number and you don't leave me a voicemail. Yeah, see, so my phone gone.
Speaker 2:You're out my phone. When the phone number comes in that it's not in my contacts, it won't answer the phone. It'll send it straight to voicemail, so it won't even come through. Whatever, but any you could get. Like anytime you open up a link in your text messages, um, when you answer a phone, when you are, um, uh, emails, when you answer a phone, when you are emails, when you click onto a link to go see what it is that they're talking about, or whatever, those are all potential door openers for your personal data to get hacked, right, because then they can you know, listen, don't they say that if you plug your phone in certain spots in the airport, you got to be careful to use the airport?
Speaker 1:Yeah?
Speaker 2:because you never know what's behind it.
Speaker 1:Yeah, you never know what's behind it. Yeah, you never know what. You plug it in and someone's getting you that right. Yeah, and it's like what is?
Speaker 2:up with that, but that's too with the bluetooth. I'm sorry to cut you off. That's the same thing with the bluetooth, so you could be anywhere. Oh, now they can do it. Yeah, and um and they have the other thing because they could tap right into that, right, yeah, and they have this other thing too on your. That's why they have this other thing too on your. That's why they have the RFID wallets, so that this way, your wallet can't be your wallet can't be hacked, your debit cards, credit cards and all the other stuff can't be hacked.
Speaker 1:that go for that chip, Because it's a little box, so they get you to kind of, they kind of persuade you in some sense to get you to do the first move that they need then after that, right, exactly they're on their own, they don't need you anymore, right, and that's just like a little bit of the electronic shit.
Speaker 2:We're not even on like on that expert level to say, yeah, yeah, this is what it is.
Speaker 1:Listen you know just well, do you?
Speaker 2:I don't know if you have it, bro, for us? We have it at work. We have a training that we're not allowed to open certain emails yeah, he gets it, stuff like that yeah, yeah, he gets it.
Speaker 1:Tell you what because I used to get him and I get him done all the time yeah yeah yeah, get that
Speaker 3:yeah, we have those training things like yeah, anti-fishing, right, right, yeah, you got another difference and that's just that part of the tech.
Speaker 2:Then you have the um, the uh, chavity ones. So I said wouldn't you like to you know when you answer the phone, right wouldn't? Or email, or what have you wouldn't you like to donate to you because you're, you know, animal lover? Well, both you guys, you know, donate to yada yada farm, because this is what we know, it's a safe haven for these pets and we make sure it's this and that and we're trying to build it to make it whatever. You know, no, we're not really quite aspca, but we partner with them. You know, if that makes you feel better, you could just donate a hundred dollars, you know, we'd really, really appreciate it. Yeah, to help feed the animals. You know, there it is. Yeah, yeah, yeah, it's the same thing like the bums, you know. I mean I I say I understand people are homeless. They ask for money and shit like that, but for me, I will go buy you food as opposed to giving you 20 bucks. Yeah, you know what I'm saying. That's me.
Speaker 1:Well, that's what I do with my daughter yeah, boy would do it with anybody, right, it doesn't matter.
Speaker 2:But yeah, I had to because I knew right they're going to use the money to go do whatever else.
Speaker 1:I'm not going to do that you want it, I'll get it for you. You need room, I'll pay for it, yeah, whatever it is kind of thing, you know what.
Speaker 2:But I was talking about this shit the other day because there was a guy. He was asking for money. He said he was homeless and he was hungry and all this other shit. And my friend turns around and he was like yo, I'll take you to go get some food. I don't have any cash or whatever. And he's like I didn't ask you for food. I'm like no, we'll go across the street, you can get whatever you want on the menu. I'll pay for your food. Know, I'll pay for your food. I just don't have any cash so I can't give you cash. It was like what the fuck? I don't want. If I wanted food, I'd have gone into the fucking dish and started yelling at the guy and my friend and my friend's like well, how do you want the beating then? Because I was just being nice to go and buy you some food, because you said you don't have and all you want is the money. Like come here, let me talk to you real quick. We're gonna, you know, come on, we want to have this conversation.
Speaker 1:That's what they were saying. When I was a kid, I would go into the city to work, right. I'd get off the train and this guy would always be off the scene. I can't remember the spot it was, but he would be there all the time because he had to walk through a tunnel and go up to the street and I would always give him a cigarette Right Most of the time, right. One time I didn't. This guy got crazy.
Speaker 1:Really crazy, really yeah crazy after that I never gave him a cigarette. Yeah, no way. That's insane, bro. I'm like I. I give him a cigarette every day and now I can't give you one.
Speaker 2:And you're getting an attitude with me yeah, it doesn't work like that, right, it takes away from you wanting to do, you know, but that's in you know, in the bums, yeah, that's what they scam too.
Speaker 1:They gotta, yeah, that is, it is a scam, you know you. You know people have to survive.
Speaker 2:But I'm not saying it's right, no no no, definitely not, and you don't have to fall victim to it, because there's a reason for it.
Speaker 3:Yep, yeah, I mean, but it's crazy. So scams right, I was watching this whole thing how they were trying to take down the scam thing you ever. You ever see like on tv, like they ever show like um, how they do like telemarketing there's a big office and people are on the phone.
Speaker 1:Yes, people on the phone.
Speaker 3:They have supervisors, right well, they showed this in india, but it was scammers instead of telemarketers. They were just scammers. But it was like very professional setup up. They had expectations on how many you can get a week, really.
Speaker 2:Yeah, and they had supervisors.
Speaker 3:It was serious professional scammers and these were the people that would call up and scam these older people. They always target senior citizens and just scam them for money.
Speaker 2:So Jason Statham just had a movie. Uh, the beekeeper, did you see that? No, did you see that? Yeah, the beekeeper is the same thing. They scammed the lady he was living on her property because he was a beekeeper. They scammed out of her money and she went back and so no, no.
Speaker 2:So when he went and saw what happened, he went after the people and they had the setup like you're saying. Yeah, I thought it was just in the movie kind of thing, I didn't know. It was like a real setup really happening and that's just one place yeah, but they got, they um they had.
Speaker 3:It was, uh, they had a hacker and like this guy, they got to a guy, like the guy called him and like it was a hacker and he, like he and the guys like they, he's like you know what I'm sick of this he goes. I want to stop these people. And they got the hacker to get in. They like gave him access and they were like taking everything down, like all the information. They were like you know, like deleting all the information.
Speaker 2:Wasn't that like 2020 or Nightline?
Speaker 3:I don't know what this major takedown oh wow, that's awesome. But it was set up like because they got access to the cameras and you could see like all these cubicles and shit.
Speaker 2:Yeah, it was crazy, that's wild, Well, and so think about it. So I mean, so that's we were talking about that. It's like the financial techie stuff. Then they have the romance stuff.
Speaker 1:So that's when the guys or girl will turn around and say, when certain holidays come around, well, no, no, no that they turn around they make you think that you're going to be their next boyfriend.
Speaker 2:Meanwhile, they're way out of your league, oh yeah.
Speaker 1:I love those. You know what?
Speaker 2:I'm saying, okay, and I bug out with those because I'm like how do you Did you ever look at me, lady? Yeah, like, okay, you guys, you know what I'm saying. It's like yo, what the fuck, just be your own special guy? Yeah, exactly. And it's crazy because then they're asking for money, because they're saying, yo, so I can't come over this weekend. Well, what's the matter, are you okay? Well, I got to go take care of my mom because she's sick, and my brother, he's got whatever. So I got to go and deal with him so I can.
Speaker 2:There. It is the $10,000. That's what she had to say Me, because I'm in love with you and you've been talking to me for the last three days and you're showing me some kind of attention. Now I want to help you. Well, I've got five. I could probably take a loan out for the other five. Matter of fact, you know what? Let's go buy a big house together and we can have everybody come live with us. No, and we can have everybody come live with us. No, you know it's shit like that. Excuse me, I'm sorry, people actually do that. Yeah, yeah, yeah, yeah.
Speaker 2:That's really Yep Matter of fact, there's somebody that we both know I can't tell you anymore Like con artists.
Speaker 3:Is what you're saying? Yeah, exactly what they are.
Speaker 1:That sucks man, when that happens man.
Speaker 3:There's somebody that we know. You know, like I was like all right, I'm all. You know, like what movie was that? Where they were the one there was a mom and the daughter and they were teaching how, or it was the father and a daughter and he, he was a comic. I was teach his daughter how to con. And they did something where they bought a lottery ticket but they, like it, had the today's winning date on it but, like you know, like the date was kind of like hidden or whatever, for whatever reason.
Speaker 2:So, like I know you're talking about ticket, but yeah, it was a father.
Speaker 3:Yeah, and then but I gotta go now. I'll give you the ticket. Give me half the money now and I'll give you the rest and people do that.
Speaker 2:Bro, give me a bullshit ticket yeah, yeah, and that's why I don't. I think that people, depending on where you go I'm lying it's just depending on people's state of mind at that moment that they turn around and they just they need it. You know what I'm saying Like they need to have that win.
Speaker 1:You don't get off that way. I'm sorry, listen, you're taking other people's stuff because you're lazy, you're putting all that work into that and you're going to be doing something more freaking constructive in your life than that and stealing shit from people and making their lives miserable. Yeah, no, I, I can't give you a pass on that.
Speaker 3:I can't be like a sociopath for that, because how do you not like feel like shit that you just like took, stole someone's money? I can see like if you steal from like a company and you're like ah, like who gives a fuck you know right right there's just a profit loss to them like actually steal from someone, right. It's like I don't know, I don't like. It's like it's everything they have, like you gotta be like you, gotta just not give a shit yeah, no, they don't have to be a sociopath.
Speaker 1:Yeah, yeah, yeah, well, you know, it's just. You know, when it comes to that, then no, I can't you know what I mean? Yeah, nope, it's wrong when people do that and all right, you don't want to work, then figure out some if you can put all the energy into that and figure out how to do that I'm sure you could figure something out you could do.
Speaker 3:That would be more the legal side of things and not hurting people, like I said yeah, and then you could do it and use it in a positive way, maybe even help situation, like even if you turn around and you worked for non-profits and you just made it.
Speaker 2:You know they need donations. You know I'm talking aspca, you know whatever any other one that you want to come up with and you go work for them. Because now you're getting people to donate money for a cause you know I mean right to help with animals, to help with the elderly, yeah, to help with, you know, sick kids, people that can't get, you know, uh, any kind of um money for medical attention and such. You know that you just use your that, that use that for your skill, for lack of a better way of putting it, because when you could get money out of people, yeah, absolutely. You know, do the opposite, do the opposite.
Speaker 1:Yeah, you know they do that with criminals, don't they Like? What was that movie with Leonardo DiCaprio where he was running from the police?
Speaker 1:Okay, if you can, yeah, great movie, yeah, yeah. And then what did he wind up doing? And he actually wound up helping them create the best. You know the right checks in the paper, what you could use. He knew everything as soon as he held it. He knew immediately what it was and what they were too thick. No, it's not good. Like he would just know. Right, this isn't how to reel you know he was good.
Speaker 2:The movie was great.
Speaker 1:It made you think. So he turned around around, gave him the option and he did, and his life was different. So he took that skill that he was using for bad you know, using for good and stop people who were doing what he was doing and that's like that's got to be a huge thing in your life, right? Yeah, that's a big turnaround. That's a huge turnaround.
Speaker 2:Yeah, that's a 180, bro, like you know, you realized, yeah, maybe I shouldn't be doing this anymore. You know, hopefully it happens before something bad happens to somebody that you know. But you know that that's when you learn your lesson. You know that your mom, your uncle, your aunt, grandmother, whatever, didn't have to get scammed by somebody else and you know, gave up all that stuff. You got the government imposters. That's another scam. Oh yeah, that too, like the IRS, social Security, right, well, yeah, all that stuff. They won't call you, bro. They're going to send you an official letter. They don't call you to tell you yo listen, that's right, it was the one thing.
Speaker 1:I always told my father you were absolutely right. I always tell them that they never call you. You're going to get it in the mail.
Speaker 2:Yes, sir, remember that Always remember that For pretty much anything in government Anything.
Speaker 1:Social security, Social security whatever.
Speaker 2:Everything is in the mail and then it's for you to make that phone call or whatever you know so you can get in touch with them or come down to the office. It's never call us. That the government doesn't do that. They don't, they don't have time to be answering the phone calls. You know what I mean. And dealing with all that stuff, you know only as of late that you're able to go on to the government websites and access you know, like for the dmv or um to get some kind of extra paperwork sent to the house from the irs or your social security stuff.
Speaker 2:But you they won't call you yeah they'll never call you tell you oh, I'm hi, my name is kenny.
Speaker 1:No, from the irs I told him I always saw my father hang up.
Speaker 2:Yeah, that, that's all just hang up don't even pick it up.
Speaker 1:I said if it comes up in your machine, they don't leave you a message. And they don't leave a message, then you did the right thing. Yeah, and even if they do, let me listen to it.
Speaker 2:Yeah, and because it's, you know, if you time, if you're not, sure I don't care, I'll listen to it.
Speaker 1:I tell him I didn't want my father getting scammed. Yeah, you know, he fortunately lived good. He made enough to have a decent life. He earned it, broke his ass for it. So to see somebody try to take that from him would just make the fuck off.
Speaker 2:Yeah, my sister was telling me that my stepfather had that. He turned around and he was trying to send money to somebody and my sister's like whoa, whoa, whoa, and she has access to their bank accounts because he does shit like this. She's the one you know, she looks out for them or whatever. And she's like whoa, what is this? She was at work, she stopped what she was doing, debted all of the payment stuff that he was trying to send out. And then she called and she's like yo, what are you doing? And he starts to explain to her that somebody had called him and was saying that the kids needed money, blah, blah, blah. And he was like no, no, no, no, no, no, no, no, no, no, if they need money, they'll call us. We don't just throw money at them. And he almost got got.
Speaker 1:Yeah, they almost got him. I'm like, oh, dude, Sons of bitches man. I'm like I'm glad you were on that shit. That's the thing that gets me. You have to have no soul or something to be able to do that to people, Because some of us are okay, we're good, right, we're all right in life, and some of us aren't, and for those, every dime counts and you take it from them.
Speaker 1:Well, even if it was from me, god, I would hate it. If it happened to me, I would hate it for anybody, for that matter.
Speaker 3:Well, maybe not you mentioned the thing about the scanners that are on the ATMs Right right, yeah, yeah, we were talking about that earlier.
Speaker 1:Yeah, yeah, yeah. Where look at it? If it doesn't look right on you, you want to pick at it or see if you can pull it apart. If it comes apart, don't use that ATM machine.
Speaker 3:Right, comes apart don't use that atm machine right where the card goes and they'll put a go right over the reader. It'll look the same, but the color. But you gotta look because it might be it's gonna be fatter. It'll be like right you know, the ones have like a green ring on them, right they?
Speaker 1:they clip one on top of it right, so you do that the gas pumps too, I think yeah, I think the gas pumps too.
Speaker 2:Yeah yeah, it's just a slide on and it's. All they need is the little chip in that piece to read it. So it doesn't have to be like a big. You know, it doesn't have to look all big and clumpy, it just looks like it's part of it. It looks like it's like a protective case over it. Basically, and also here's my rule- real quick.
Speaker 1:You know traveling and you're doing something. You know you're going to go in. Oh, I got to get something. I want to get something real quick. Oh yeah, definitely you know why. You don't know what those machines are. You're never in that place at any time. You're only there every once in a while or anywhere for that matter wherever you are. Yeah, you know just use cash. Yep, because any ATM in there or any slide machine you never know and people are like that.
Speaker 1:They're making this money by selling product, but at the same time they're going to try to scam you. Are you fucking kidding me?
Speaker 3:yeah, and also most cards now have tap pay, so right they? Sorry, you have to get it it's all right it if um most cards now have tap pay on them. Right now you have to have a special thing on your credit card that blocks readers because they're thinking people can like yeah, that's what I'm saying.
Speaker 2:I have that's the rfid on your wallet.
Speaker 3:So make sure I have that kind of wallet. Yeah, me too. Yeah, I got a special. It's a card, it's a Christmas yellow, it's inserted into a part of my wallet and it has like a blocker on it. Yeah, no my whole wallet is because you know you could put it.
Speaker 2:It's one of those crazy nifty. It can't be that they can catch it from when we do it, and I know it works because I try to use it, like through it to, and it's going to buy something. Yeah, and it won't read it. Awesome.
Speaker 3:Yeah, so I know it works. It's groovy. I had to give that shit a shot. I should try that. I'm pretty sure it works.
Speaker 2:Yeah yeah, find out, listen, you know, because it out.
Speaker 1:Sorry to Jill and don't use the ATMs in those convenience stores, either Right, because those ATMs are not your bank they're going to hit you with a $3. First they're going to hit up you with $3.
Speaker 2:Oh, the ATMs Right, the ATMs, I'm sorry. Yeah, yeah, yeah, and you don't know, these people Go to your bank.
Speaker 1:Try to any bank you can go to Chase.
Speaker 2:Bank or a bank from wherever you're visiting and stuff, but go to the official bank. Yeah, I go to my bank. Yeah, go to your official bank. So this way you know that it's your stuff. It's not like you said or like we were saying before, that it's that attachment on whatever and whatnot.
Speaker 1:I've walked in and seen. I've seen this on Instagram. I don't know if it was real or not, right, but the guy found it, saw it. It was taped down over the top of the card slide where the credit cards go with the numbers and everything, and he pulled it off of there because it was taped on.
Speaker 1:Yeah, and the real one was underneath Right and he's like I'm taking this. The guy tried to stop him from doing it. You know, nakedness yeah, I try to stop them from doing it. You know, maybe it was stage, I don't know.
Speaker 2:But either way, the fact that they even were doing that to have something, like you know, like yeah, it's going to tell you, show that, you know, hey, because that's alarming, you know so people be smart.
Speaker 1:When you see if don't look right to you, you use your gut.
Speaker 2:Yeah, go with your first instance, yeah, and a lot of times the the person who's working behind the counter depending on what store you're going to, it's in shifts, so they don't know what happened before they came on shift. You know what I mean? True.
Speaker 1:Oh, I don't know, it's a little bit different, you know well you know, I just came on shift, I just work here. You know, I didn't even know, yeah, because the ownership is probably the one who's doing it. You know, yeah, you know what I mean. Right, but that, and then the pieces that come off off the bank, things. You know, you get the text messages.
Speaker 2:Yep, it's like, yeah, it's constant yep and you do the old school one where they're telling people buy these stocks. The stockbrokers will call you up buy these stocks, get into this. That's the other DiCaprio movie, wolf of Wall Street.
Speaker 1:I remember that that was actually a pretty good movie, yeah, I remember that's the scene when he's going. Yeah yeah yeah, yeah, yeah.
Speaker 3:He's like it's a Faguzzi. Yeah, yeah, he goes. It's not real. He goes. We're not making the money he goes. The idea is to just get money from their pocket and put it into yours yeah, yeah, he goes not gonna make money, he goes there. This is like a thing for them. They they get off on on thinking they can make money, goes, just move.
Speaker 2:Get them on to the next thing you know like oh, make money here, oh, get them onto here, get onto here and you take that percentage.
Speaker 3:The idea is just to get them to keep reinvesting into the next big thing, so like they keep taking the percentage, so they keep collecting the money, and and they're like, oh, I'll go on to this, yeah and it turned into this scam.
Speaker 1:The idea is not to let them cash out their money basically that's what he said you should do something in your life that if? You don't think about it, but usually once in a while it pops in your head, for whatever reason, and you think to yourself oh man, I'm glad I don't do that anymore. That happened or this, that and the other thing, right, right, how you feel when it happens right, whatever that might be the fact that you're doing that is a good thing. Yeah, you know what I mean.
Speaker 2:But someone like that.
Speaker 1:They're actually losing that right they're not getting. You know you're, you, it's. It's just, it doesn't make sense to me. Yeah, you know, man, it just seems like, wow, you're doing all that work, you've invested all this money to get over on fucking people.
Speaker 2:Yep.
Speaker 1:And you know we're vulnerable because you know we only have whatever they can give us the tools for. I mean, I'm sure you know we have certain things in place, of course, to make sure we're covered, right, but it's just sad when fucking people lose things like that, especially when they that's all they have. Yep.
Speaker 2:And even like with the people who the scammers that they do hey, you won a prize. You know you got to come here. You know you got to pay.
Speaker 1:You know 25 bucks or 100 bucks or whatever to, you know and the taxes for you to be able to get this and shit like that. It's like when you win a car, you gotta pay the taxes. Oh yeah, like when you're on prices, right right, they're waiting in the back, exactly waiting for you to come in the back.
Speaker 2:So you owe us, yeah right, exactly, yeah, but the irs when they do it at the game shows and stuff, you know you don't have to pay it off, right then. And there you know, I mean you have I think when you file your taxes right, yeah, like, yeah, like 30, 90 days, whatever it is Then the IRS says you owe us Right exactly.
Speaker 3:And same thing when you win the lottery, like you've got to hold on to that money because I mean you shouldn't be spending all, all all yeah, don't spend that 10 million. But when you file your taxes like that's when you pay the you won $10,000.
Speaker 2:If you won like $500 million, you're going to owe like $100 million Right.
Speaker 1:They take it right off the bat. Yeah, exactly, you know that already Going in.
Speaker 3:They take it also when you file your taxes.
Speaker 2:Yeah, you get banked twice.
Speaker 1:Why twice? I forgot what the reason was.
Speaker 2:One is like the automatic, yeah, like the initial, because you're getting the money and then at the end, because of income earned is where you got to look it up, it's if it's a lump sum, yeah, if it's a lump sum, if it's an annuity, then they just get you at the back, right, so you have two ways to pick your money, your winnings. Okay, so let's just say you win a million dollars so you could do the cash out. The cash out, you will get the 500 grand.
Speaker 2:Yeah, that's right off the bat, and 500 grand right then at the end of the year, because it was money that was you know how you that you want it. Yeah, that then now you're got. You got to pay it again at the end of the year when you get your taxes doesn't seem right.
Speaker 3:Yeah, so say you make like 500 talk about scams. What the fuck and it ends up being not exactly half it's a little more than half it'll be like 270 thousand dollars instead, right they give you, and then you pay the taxes at the end of the year too, so you really get banked twice.
Speaker 1:So you automatically have to subtract that money once you go going in, you've got to say, okay, I already lost this right away off the top, it's gone.
Speaker 3:You've got to look at it as it's gone already. But if you do annuity they'll get you on the back end. Yes, but if you do annuity they'll get you on the back end. But every year they get you on the back end, Right?
Speaker 2:Yeah, that's the whole thing.
Speaker 3:What do you mean? The?
Speaker 2:annuity. That's the one that you take in payments. So you win $100 million Right. Then, instead of you getting the $100 million right off the bat, you say you know what. I want 20 payments or whatever it is. Yeah, however it is, you get that money until you get that whole thing, but it's still. Because it's income, you have to pay that money on that income and that's the taxes that you have to pay on that.
Speaker 1:So you win it Right, but somehow you earned it, so now you're getting taxed for it. It's considered income like a paycheck, yeah.
Speaker 3:Except you pay it all, it doesn't get deducted because you don't get a paycheck every week or every two weeks. So it's like, oh, that money that they take at the end of the year when you look at your gross net and your net pay and your right.
Speaker 1:The difference. Of course, I know that's what was what it looked like.
Speaker 3:Now it looks like this whatever that percentage is is what you would owe exactly lottery money but up for yeah, right all right, so take that's official government stuff.
Speaker 1:I'd be like it.
Speaker 3:Take it, please yeah I, but you gotta hold on to it is what I'm saying, right, yeah, yeah, just don't spend that money.
Speaker 2:It's like for us it would already be put away, yeah, right. So I mean, listen, that's the government. It's not so much, it's a scam, because you know we're just having that kind of conversation.
Speaker 1:I'm just saying yeah.
Speaker 3:Yeah Right, exactly, it's the only reason that it exists. I mean, it's supposed to be like.
Speaker 1:So I looked the thing up where it actually had and I don't know, know them off the top of my head there was 10 steps, what you should do first if you win the lottery, the first thing was to put it in trust for somebody yes, right. And then there was a whole bunch of steps after that. I don't have it in front of me, I could look it up, but if you do that, that kind of covers you. You know what I mean Because you're already like killing. You know you're doing it right off the bat.
Speaker 2:You're saying listen, I'm not even, I'm not playing, I'm just doing this, yep, yep. And there's another one too. Well, switching up altogether from that, they got the home scams. It's like the businesses will come to your house like the home repair. You know you can get less money taken out of your oh, they tried me with that crap your electricity bill would be less if you do this and you come and join our company and stuff like that.
Speaker 1:We got caught on that shit once. Yeah, no.
Speaker 2:Thank God I did it one time. I'm not going to front I wasn't thinking oh snap, but I got it and it helped it did actually help it fucking helped.
Speaker 1:I got After that. We didn't do it.
Speaker 2:Yeah, I know.
Speaker 1:Because I think the people we were getting it from originally were better or whatever it's legal, but it's very scammy or predatory that I don't like.
Speaker 3:So it's kind of like falls under this, but you'll go online and they'll be like hi, we're doing shower installations.
Speaker 2:Yes, and they send someone to your house and they're really just a salesman Right.
Speaker 3:They try to hard sell you, oh the salesman and they try to hard sell you you know, oh, you got to sign today.
Speaker 1:Sign with us today, and they like really try to hard sell you.
Speaker 2:You need to get out of my house. Yeah, yeah, yeah. But that's the next part I was going to tell you. That's the same thing. You know it falls under the home repair scheme. They did that when we went to.
Speaker 1:Disney. Oh shit, Where's the water? We're good as long as it wasn't a beer when we went to Disney. What was it again In Disney? Yeah, we were staying at this hotel and then, if you did this class and you hung out you got free tickets and all that.
Speaker 2:Oh the timeshare.
Speaker 1:Yeah, yeah, yeah, yeah and this guy was pissed that we didn't take it. Yeah, we went through the whole thing to get the tickets.
Speaker 2:You know I wasn't doing that right, but we got tickets.
Speaker 1:They weren't happy, right? Yeah, listen, yeah, I'm not.
Speaker 2:No, I'm not stupid yeah, no, I did, I went with a long time ago. Yeah, I'll take those tickets, please. Thank you. Yeah, I got it. I just went over there and wanted to see where it was and I got a cut to reset. That's what I wanted, yeah. Yeah, I don't want to go nowhere, I just want to cut, reset. I don't, I don't know you people from nowhere, you're all like cutting me. You know, like we were saying before the IRS, you know they won't call you and stuff like that.
Speaker 1:Right, Exactly Going back onto that. Right, you'll get it in the mail. Yep, they'll give you a number to call Mm-hmm. Yeah, there'll be you know how it has to be done, what time or whatever it might be yep.
Speaker 2:Another one you have to be careful with is the ones. So you know you owe money somewhere, you know on a credit card or what have you, and they'll turn around and somebody will call you up and they don't know you really do, but they're gonna, you know, fish for it. And then they're like hey, listen, you need to pay this money now because you owe us and and the police are going to go to your house because you owe us. You know $300. $300 and it's going to go up.
Speaker 1:It's going to go up, and that's enough money for the police to go to your door. Right there you know. Right there you know.
Speaker 2:That's not how it works. That's not how any of that shit works. Again, they're going to send letters to your house. People, panic, man, man. Yeah, they had these bug out. I saw something on.
Speaker 1:This police officer saved this woman from giving, pulling money out or giving money away to somebody, and the police officer stopped it. He got involved, really. Yeah, this older woman. They were trying to trap her into giving money. You know what I mean. Business. It could have been one of those things that were, but still just just the fact that that shit happens, right.
Speaker 2:Yeah, it does. It's crazy. Job opportunities, business opportunities. You got to be careful because when they start asking for your personal information, oh, yeah, yeah, yeah.
Speaker 1:Who are you? What's your name again?
Speaker 2:Yeah.
Speaker 3:Yeah, no, you know what's a good it's like. It's like someone robbing like a store. You ever heard of a quick change artist? So they'll go and they'll be like, oh, can I get change of a 20? Oh I mean a 10. Can you give me 220? Can you give me five Like? Oh no, actually can I get five Like?
Speaker 2:they'll confuse them, and then they come out with more money.
Speaker 3:It's like it's called a quick change artist.
Speaker 2:Oh, artists do. Okay, I've heard of it that's like old school stuff.
Speaker 1:Yeah, yeah yeah, yeah, I didn't know that. Yeah, I wouldn't have my. You gotta be like really slick and weird would you, kenny, I wouldn't have no, no, no, no, no. Which one is it right? Which one is it? Which one?
Speaker 3:do you want?
Speaker 1:five, ten, fifteen, what? That's why pick a number?
Speaker 3:I want a major store like best buy that's what you get. Right, yeah, right you ask for change and I say yeah, you can't get a.
Speaker 1:Yeah, you can't give you change. Yeah, a lot of people do oh I always blow people off, especially at the gas. I've had people come up at the gas station to you and ask you for money, be like yeah, yeah, no, no, no, no, no.
Speaker 2:Yeah, and you know what's funny? It bugs me out because I've had a couple of times with chicks in their car stuck right here and I need gas money and you know I don't have my wallet. Meanwhile they're sitting there drinking starbucks, coffees and shit. You know, in a decent car they had, they just got starbucks. How the fuck you?
Speaker 1:get starbucks.
Speaker 2:Okay, I'm not putting gas in your car, you let me know how that works out yeah, no, get to stepping. We should have bought better sneakers, exactly I'm like yeah, I'm not doing that.
Speaker 1:Boom is whatever adidas, whatever you like, throw those babies on, yep and it moving.
Speaker 2:I had one guy ask me one time and what I ended up doing was I put this guy he looked like he was donning out, he had his whole car full of shit and I was like you know what, bro, I got? You Come here and I put like 10 bucks in his car and I was like yo be safe.
Speaker 1:My wife yelled at me there was a guy. We must have been just moved here. We must have been here about a few years and it was over by where they have, uh, it's import. It's this little um shopping center. This old man was there with it laying on the wall and he had his dog and everything. He was old. He definitely, you know, like he was hanging out with the dog and he needed you know. I was like, bro, take this man, yeah, you need this, yeah, go get something to eat, whatever. Like I knew that that was not a scam, that was real life yeah when that happens, that's when you'll know yeah, I think you get, you get
Speaker 2:that you know six cents kind of thing, you know. And you got to be careful too because, like you know, they say you want to be a sucker? Well, but they say to have, you know, help help your neighbor, help help that neighbor to this way you can. You know it's a karma thing. You know people thinking that way. Here's the problem, and I've known people that this has happened to you pull over on the side of the road to go help somebody.
Speaker 2:They're not doing it they're not really in trouble. You know they're there to rob your car. You know right, and there's too many people on the highway that are holding ass too quick or whatever. You're stuck now. What you know. And true story there was a guy that I knew back in florida many, many moons ago and um cop pulls up behind him. Well, he thought it was a cop. Flashes and lights or whatever. They get out the car, they were getting carjacked. The bad guys had turned around and scammed people, beat them in the head talking about yeah, you're getting this ticket or whatever. They pull out guns and they'd like get away from the car. We're taking your car because that's that was their thing. So it was fake cops, but they had the gear, the car and everything set up because you could buy those lights online. You, you?
Speaker 1:know what I'm saying? Did you hear of this one where they try to block off an exit? Yes, and then you get out of the car, or they're on the road and they get out of the car and they try to trap you in. Yeah, Everyone, I saw they blew right through these fuckers. Hell yeah, but I'd be running somebody over.
Speaker 3:Yeah, no, they came close. They were throwing egg whites on people's windshields. So when you put your windshield wipers on, it blinds you and you have to pull over and then they rob you.
Speaker 2:Shut up.
Speaker 3:Wait so, but they're egg whites. So if you don't use your windshield wiper, you can drive. You'd want to drive like a few miles off the road and find a gas station to wipe off clean your windshield.
Speaker 2:Yeah, yeah, yeah, I never heard that one.
Speaker 3:Yeah, they throw pink whites on your windshield, I don't know from an overpass or whatever I don't know. And then you know, you put your windshield wiper on and it's not far down the road where, oh my God, now I can't see anything. You got to pull over, yeah.
Speaker 1:What about the money on the windshield or on the floor? Money on the windshield or on the floor?
Speaker 2:it's a certain significant amount right, but there's a powder on it. This is how they get women. I heard that recently. Another scam.
Speaker 1:That's just fucking yeah if you see it on your window, if you see money on the windshield or on the floor or a zip tie on a car. I heard don't touch zip tie. No, no, oh no, this is another thing don't touch it because there could be something on the money there's, um, this is.
Speaker 3:This is a serious thing I saw with the um traffickers human traffickers they're kidnapping people for human trafficking. Um, they'll zip. If they see a like a woman leave a bar, they'll zip, tie her um handle on her car on the passenger side so she doesn't see it, and that's so. Um, people can, uh, so like wait for them to leave the bar when they're, you know, like drunk or whatever and then kidnapped and they jump in the car.
Speaker 3:So no, they zip tie, so someone comes back later, like a few hours later, and they know which car it is it's tagged oh so they know, yeah, that's fucked up, they'll follow you home, or whatever.
Speaker 3:Yeah, that's wrong. That's insane, I'm telling you so so so advice for anybody listening yeah, um, if you go out and you're, you know, a single woman, or even a guy, whoever, yeah, anybody traffic too. We'll talk about that. But you know, uh, check your car uh when you come come back and see if it's zip tied. If it's zip tied, call the police.
Speaker 2:Yeah seriously any kind of markings, you know, because even don't they put the, it's not the car, the tags, the um uh, like the key key, the key chain tag, so you can, if you lose your keys, it tells you where they are, whatever well, they put something in the road where you get a flat, yeah, and.
Speaker 1:And they pull that bullshit on you too, yeah, yeah, yeah, yeah, tell you man. Then you see this in the middle of the road. They're like get the fuck out of there. Yep, whole ass.
Speaker 2:Yep, Yep and getting a little bit. You know doing other regular scam stuff Job scams, when they tell you you have to pay for whatever yeah, no, yeah, no, no, no, you don't do that yeah, you don't give them money to do whatever job, any job that you're going to, even like with the police.
Speaker 2:You work for them a certain amount of years and it's paying off, right, whatever training that you had done and whatever you know. If we're gonna say about what, the excuse, what? How they're gonna turn around and pay for your training that you've done, you know what I mean. That's the investment. I'm hiring you, I'm this training. You're going to give me five years to work for me and that's to help pay off whatever. But when somebody at a job says, okay, listen, you want this job, you want to be this flight attendant. You have to pay the five grand up front to go to the training class to how to be a great flight attendant. That's bullshit, point blank. It's bullshit. Any job that you go to that they tell you you gotta pay first is bullshit.
Speaker 1:As soon as they want money, you know something's wrong. Also the quick rich schemes where they tell you, if you give us so much money, then you'll make this much. And then people give it and I'm like no, listen, call me Yep.
Speaker 3:Please.
Speaker 1:Yep.
Speaker 3:What about and I know this might upset some people, because I know some people get involved but what about multi-level marketing?
Speaker 1:Oh my God, that's a bullshit scam right there. I've done that before. I've been in them before.
Speaker 3:It's not a pyramid scheme, because the only difference between multi-level marketing and pyramid scheme is. A pyramid scheme is where I say I'm selling this product and I'm gonna, and if you sell it, I'll sell this product to you guys, and then you guys sell it to these people and these people sell it to these people and it keeps going along and each line you're supposed to make money, but the money keeps flowing up top the pyramid you know what I mean.
Speaker 3:Yes, people who started it and but like no one's selling anything to each other, like the whole idea is like at the end someone's going to get screwed and they're going to have like 60 of some bullshit. Multi-level marketing. You're actually selling product to people, but like it's like, but the the part that's a pyramid scheme is workers. Like you know, like I get a percentage and the person keeps getting a percentage right Right. Like a pyramid screen, but they actually sell a product to a customer, right.
Speaker 1:But still like I don't know, like I hate that kind of shit yeah, I, I tried that growing when I was growing up, figuring out work. I I definitely knew what I liked and what I didn't like, when I was comfortable with immediately.
Speaker 3:Yeah like the vegan community, a big one that comes around the pyramid skins is the Kangen water, the what, what. It's like these, it's multi-level marketing. It's like you know, they sell these big things of water, these water filters that are like what's the word right.
Speaker 2:What's the? Opposite of acidic, yeah, the alkaline, the alkaline water and it has these special pumps that are like two or three frigging grand, yeah.
Speaker 3:But like the people that sell them, they're so predatory they're like oh see, this water, this water is like dead water.
Speaker 2:Right.
Speaker 3:Like this water is like live water and they're like, and they try to like, convince you and make it, it's just like so, like scammy. Yeah, it's so like predatory the way they do it.
Speaker 1:It's amazing yeah that's the ideas and the work that they put into it, and like they're saying oh, if you drink water that's alkaline, it's going to alkaline your body.
Speaker 3:It's like no, that just weakens the stomach acid in your in your stomach, yeah, your stomach neutralizes it, and then you know it doesn't like make your blood alkaline, right yeah it's like it's all pseudoscience, crazy right, yeah, right, right, right.
Speaker 2:Well, that's the stuff that people, but that's what people think communities, because they kind of intertwine. See, I'm surprised that that happens in the vegan community. Seriously kind of intertwine, because there's like the plant-based people right, who are like.
Speaker 3:They might not be like animal rights people, but they're like plant-based people and they follow the plant-based diet and they're very like, health conscientious and you know, but they don't have oils and they like cook super healthy right, only olive oil they don't use any mock meats or any of the olive oil yeah that's crazy, but like um, what was I gonna say? Uh, I forget where I was going with this sorry, oh, yeah, so like, but like, those are the people and they kind of blend. In kind of right.
Speaker 1:I get it.
Speaker 3:Community people absolutely natural foods type people got you but like that, those people are predatory for those people. That's crazy.
Speaker 2:Listen, I think all of us have to pay attention and be careful with any kind of scams. You know, if you didn't go to the store to buy it, you know. If not, like you know I I mean other than like Amazon kind of stuff. You know things like that. But even with those things you have to be careful because when it's a third party seller that you're trying to buy from, you know you're taking your money, your identification, in your own hands and it kind of sucks doggy nuts, but it's just one of those things you got to be careful. It kind of sucks doggy nuts, but it's just one of those things you got to be careful.
Speaker 2:Not everybody you see in the street is that homeless bum person or whatever that you need to turn around and give them money. You don't have to. You know what I'm saying. Not everybody that calls you on the phone, matter of fact, nobody's calling you on the phone is because you owe money to the government. They're not calling you on the phone If your family God bless all everybody's family, make sure everybody's safe. You know, I hope nobody gets hurt. But when you're getting that phone call, oh my god, jimmy billy, jose tyrone, they're. You know they're in the hospital and we need you to send ten thousand dollars so that we can give them the emergency surgery. That doesn't. That is a fucking lie like that's probably one of the one that really gets under my skin. It's a lie, doesn't happen, yeah't happen?
Speaker 1:Yeah, no, everybody just needs to be, careful.
Speaker 2:I know it's what people do. Yeah, you don't do that. All of our people who are elderly you got to remember. Don't do that. Don't send money. You hang up the phone with them and you call that person, that family member that they're saying is in trouble, and I bet you that person will answer the phone, your people will answer the phone. But so, with that, just be safe out there and keep it right. Thank you everybody for listening. Once again, love, peace and hair grease. Live long and prosper.
Speaker 3:And go vegan Hello.
