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October 14, 2025 19 mins
I often get frustrated by the lack of urgency by the public in general because I know so many people are sitting ducks just waiting to get scammed. If you experienced what I see and hear about every day, you too would get frustrated at the lack of urgency. Most people don’t think or worry about scams until it happens to someone they love.

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

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

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

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Transcript

Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
This program is designed to provide general information with regards
to the subject matters covered. This information is given with
the understanding that neither the hosts, guests, sponsors, or station
are engaged in rendering any specific and personal medical, financial,
legal counseling, professional service, or any advice. You should seek

(00:22):
the services of competent professionals before applying or trying any
suggested ideas. The information contained in this podcast is intended
for informational purposes only and is not a substitute for
individual professional legal advice. The podcast information was carefully compiled
from vetted sources and references. However, Rose Resources outreach to

(00:44):
safeguard the elderly cannot guarantee that you will not fall
victim to a scam.

Speaker 2 (00:50):
Let's talk about scams. It's the must listen show for
anyone who wants to protect themselves and their loved ones
from scams. Every Tuesday at am Pacific time on K
four HD Radio, Joyce Petrowski, founder of Rose, and her
guests will provide valuable insights and practical tips on how

(01:11):
to recognize and protect yourself from scams. And now here
is your host, Joyce Petrowski.

Speaker 3 (01:19):
Good morning, everybody, My name is Brian Watson, community outreach
specialist with Rose and I am filling in for Joyce
this morning. Joyce will be back next week. Let's talk
about scams. We are in the prevention business. We do
not want people to be scammed and that's our number

(01:39):
one mission, and our primary focus is older adults. But
we surely know that every age group gets scammed. But
what we do know the older we get, the more
likely we are to lose more money than anybody else.
The stats don't lie, So thank you for tuning in today.

(02:00):
This is so important because so many people have financial plans,
they've saved, they have an estate, they have a trust,
they have wills, they've planned, and they've done everything right
and it just takes one really good scammer to wipe
it all away. So thank you for watching today. You

(02:23):
are doing the right thing. You are protecting yourself, you're
protecting your family, and you're protecting others. So today's topic
is called what is the urgency? And I'm kind of
using an article that I wrote for the Green Valley
News recently. Green Valley News is a newspaper in southern Arizona,

(02:48):
and I'm very grateful to get to write for them
every month on a various scam related topic, and to
be very honest, this topic today is it's kind of
a little bit of frustration. I'm venting a little bit
if you just bear with me, but you'll understand why.
It's nothing personal. It's because of my care for other

(03:11):
people and how much it pains me to see people
get scammed. So I recently celebrated August first two years
with being with Rose and it's been an amazing experience,
and I thank Joyce for bringing me on. And I've
got to meet our board and our advisory committee, and

(03:33):
I'll tell you we have some very smart, passionate people
who really want to protect people in our community. And
a lot of our board members and advisory committee folks,
it's personal to them because they've had a scammer affect
their family or friend or neighbor and they want to

(03:56):
get in on the fight. And I'm also over the
last two years, got to meet amazing people all over
this state. And you know, various presentations I do, or
if I do TV or radio or podcast interviews, I've
got to meet so many people and I really appreciate
them listening to our message and letting us share our warnings.

(04:20):
And what have I learned in two years. I've learned
that very smart people get scammed. Surprised me more than
I thought. I really thought I was going to run
into people who had lost some of their mental capabilities
due to age or illness. It's not necessarily the case.

(04:42):
Everyone that I've met is very smart, often very educated.
They handle their own finances, but they just got dupe
by scammers. But I've also learned the scammers have gotten
way better over the last five, ten, twenty twenty five years.
It's just not fair. If you get in the ring

(05:03):
with these people. You need to disengage. You need to
end whatever phone conversation is going on. You need to
delete emails, delete text messages, you need to wait. All
these things that Joyce and I talk about on a
weekly basis, taking your time, time as your friend. But

(05:23):
here's my frustration. I will be out in the public
somewhere and I'll meet someone and I'll tell them what
we do at Rose, and they get all excited and say, yeah,
we'd love to have you at our church and our
social group, at our club, whatever it is, And then
I don't hear back from them. And I'll send them

(05:44):
an email or I'll leave them a message, but they
don't call back, and I get frustrated. I get so
frustrated because I know that people are out there are
basically sitting ducks, and I and everyone else that rose
we see all the scams that are happening on a
daily basis, and we know so many people are just

(06:07):
they're not protected, you know, and a lot of people
figure out scams on their own just using common sense.
But the scammers get better and better every single day,
and you have to have some scam prevention in place.
I mean, if you experience what I see on a
daily basis and what happens when I do a presentation

(06:29):
and someone comes up to me in tears afterwards tell
me about their loss, it's very motivating for me to
go out and do more presentations. But it's also frustrating
when some of these groups just they don't. It's just
not important to them.

Speaker 1 (06:46):
You know.

Speaker 3 (06:48):
Most people, really, to be honest, don't think about scams
until it happens to someone they love or someone they
care about. You know, when one of our family members
get scammed, what do we do, Well, we go into
pade and we ask them all kinds of questions, and
we close bank accounts and we try to get the
money back, and it's it's it's it's a hard job

(07:11):
because the money is a lot of time gone. So
you know, we try to claw that money back and
sometimes it's possible, sometimes it's not. You know, a lot
of the methods now when you send the money, it's
just gone. So I've struggled to come up with an
analogy as it released to scams, and I came up

(07:32):
with a house on fires analogy. If you're sitting at
home and the smoke alarms are going off and your
house is on fire, you would immediately exit the house
and call the fire department. Well, scammers are like arsonists.
They're sitting outside of your house and they're they're starting

(07:53):
a little fire on the outside of your house, trying
to burn it down, and we want to warn everyone
about that threat. So I know it's not a great analogy,
but the scammers are basically trying to burn down your
financial house and when it's fully engulfed, you'll get out.
But we want you to see those arsonists out, the

(08:15):
scammers outside that are being like arsenists, and stop them
from even even starting the fire. Like I said, I
get frustrated because I'll do a presentation and someone will
come up to me afterwards and tell me their story.
They'll say, I've been scammed. It's affected me. I can't sleep,

(08:36):
I stress, I have horrible self esteem. Now I'm embarrassed,
I'm shamed, and a lot of times these people are
in tears. I remember meeting a lady who got scammed
in a romance scam and she referred to him as Peter.
She goes, my Peter. We don't even know if Peter
was his real name. It could have been anything. It
could have been a woman, it could have been a

(08:58):
bunch of people working together they're creating Peter. But she
had fallen in love with Peter, and she was telling
me about it and tears in her eyes. I've seen
damage family relationships because of the embarrassment and shame. Someone's
lost all this money and then they have to tell
their kids, I've lost this money. I mean, that's it.

(09:20):
It's really really rough, you know. I met a lady
who lost one hundred and seventy nine dollars and she
was ashamed of it and embarrassed, and to her that
was a lot of money, but it wasn't the money.
It was the blow to her self esteem. And I
just told her it's okay. A lot of smart people

(09:41):
fall for scams. I've met people that I've lost three
hundred thousand, seven hundred thousand in excess of a million.
Last week, I spoke to a gentleman and his dad
lost over four million dollars in a romance scam that
turned into to pig butchering. He was investing in cryptocurrency

(10:04):
and they just took They just kept taking more and
more from him. He kept selling assets and they just
really tailored their scam to really go after this guy. Guy.
But over four million dollars, think that's like gental wealth
that's just gone. So recently, I had the pleasure of

(10:26):
doing a fraud prevention presentation and a local retirement community,
and it took me two years to get this thing scheduled.
As soon as I joined Rose in twenty twenty three,
I approached this community and said, hey, we'd love to
do a presentation, and you know, it was just crickets.

(10:49):
They didn't get back to me, and I would ask periodically,
very nicely, hey are we rated? Just I mean you
guys could really use it. It's a huge community. They
have a lot of well to do people, and I
don't want them to get scammed. So during that two years,

(11:10):
I found out from a local bank manager that one
of the residents of this community came into this particular
branch and he was withdrawing money from his bank account
and he told them it was for home improvements. Well,
here's the problem. The bank manager knew this gentleman was

(11:31):
renting the unit he lived in. You don't make home
improvements where this gentleman lived. So the scammers had told
him a line to say to the bank managers to
prevent them from stopping him from taking money out of
the bank. Well, this bank manager knew and she wasn't

(11:53):
gonna listen to the lie that he was told by
the scammers, and she basically convinced him he was being
scammed and said, I know you're lying to me about
where this money's going. And then I also became aware
of a second residence at this big community that was
being scammed, And so you could see how I was

(12:14):
frustrated that people in this community are getting scammed, yet
they don't have the urgency to schedule one of our presentations.
And you know, just because you have one of our
presentations is not a guarantee you won't be scammed. But
I'm telling you it's gonna make you a whole lot better.
We've got to practice, we've got to be talking about
this stuff. So there's a happy ending to the story.

(12:39):
As the old saying goes better late than ever. This
community did bring me to speak to them, and we
had a really full room. Everyone really appreciated it. I
got a lot of compliments that the information was very helpful,
and that's just music to my years. I wish everybody

(13:01):
in the entire community was there, but I'm a realist
that's not going to happen. People have lives and other
things going on. But there was a room full of
people and we sent them home with some practical advice.
So you know, sometimes, you know, one of the reasons
why a group won't won't bring us on to speak

(13:23):
is is they're worried that they're going to scare people.
And I get it, there's there's some truth to that.
But I'm very conscious conscious when I start my presentations,
always at the beginning, I warn people. I say, I'm
going to tell you some really scary stories about very

(13:45):
smart people losing a lot of money. And I don't
tell you this to make you feel bad or send
you home scared. I do this to toughen you up
and make you realize or help you realize what we're
going against with these scammers these days. And then at
a certain point in the presentation, I say, all right,

(14:06):
no more scary stories. And there's a little laugh about that,
because you know, it's scary to hear this stuff. And
then we always end on a positive note. We send
folks home with good common sense advice. You know, a
lot of this is not rocket science, it's just common
sense stuff. So we've got the presentation done, and it

(14:29):
was a good thing because we want everyone to have
a scam prevention plan. So what is a scam prevention plan?
Just doing something? The fact that you're watching us today
on Let's talk about scams Bravo, you are doing scam prevention.
What else can you do? Sign up for our email list?

(14:53):
You go to Roseadvocacy dot org. There's our website right
on the screen Rose Advocacy dot Org, and right on
the front page there's a blue button where you can
sign up for our email list. It comes out once
a month. It's free. We just need a name and
an email. If you like it, share it with your friends.

(15:15):
If you don't like it, you can unsubscribe. We won't
have our feelings hurt. And then we also send out
every Tuesday a little tip. It's just a smaller version
of the newsletter, just to keep this stuff in our mind.
And then scam prevention also means you have a family
member or friend that you can call any time of

(15:37):
the day if you're not sure about an email, a
text message, a phone call, something on social media. And
it also means scam prevention. It goes both ways. People
look after you, but you need to look after others.
So we want you to look out out for the

(15:58):
most vulnerable members of our community. Start in your neighborhood.
Is there someone nearby that lives by themselves and maybe
he's a little lonely and maybe answers the phone all
the time and is friendly and would would not hang
up on someone. You reach out to that person and

(16:18):
be their phone a friend, and you know, if you
want to be part of the solution, please donate our art.
I mean sorry, to be part of solution. Please visit
our website and consider being a monthly donor. I donate
monthly to Rose and I just know that money is
going to a good cause. Trust me, we run a

(16:40):
very tight ship. Nearly everybody is a volunteer. I'm a
part time employee, but we keep things our expenses very low.
But we do have expenses. So if you consider donating
ten or twenty dollars a month, we would absolutely love it.

(17:00):
And remember, go to Rosadvocacy dot org sign up for
our monthly emails, share this link with anyone else you know,
and just watch every week. We're going to keep this
episode today basically twenty minutes. We're keeping it tight because
we all know you're everyone out there is very busy.

(17:22):
And remember, practice makes perfect. We practice hanging up the phone,
we practice deleting emails. Lie to the scammers if you
have to, because they are going to lie to you.
And I know a future that's a future episode about practice.
That was something that we had in our little Tuesday

(17:44):
tips talking about practice makes perfect. Practice doing the things
ahead of time, so when you're in that stressful situation,
you don't panic. You know that if you get a
phone call from the security department at your bank saying
your money's in trouble, that you recognize it as a scam,

(18:05):
You hang up the phone, you take out your ATM card,
flip it over, call the number on the back, call
the customer service number, and asked to be transferred to
the security department. That's practice things like that, So we'll
talk about that more in the future. But lastly, thank you.
Thank you for tuning in today and listening to my

(18:29):
little rant about where's the urgency. I hope it wasn't
too negative. I just wanted to express my frustration because
what we all see it at Rose here, we get
frustrated when people just don't have the urgency that we have.
And the urgency is not about us. The urgency is

(18:50):
about protecting the people we love. All right, until next time,
I'm Brian Watson filling in for Joyce Petrowski. I really
appreciate you all tuning in today and we will see
you next week on Let's talk about Scams.

Speaker 2 (19:04):
Well that's all the knowledge for this episode. Tune in
every Tuesday at eight am Pacific time on KFOURHD Radio
at KFORAHD dot com as Joyce explores a variety of
knowledge so you have the power to make scam protection
your healthy habit, and until then, feel free to reach
out to Joyce and let's talk about scams.
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