I dont even answer my phone anymore, i let it go straight to voicemail. Thats how many scam phone calls i get. If I don't have you in my contact list I dont answer or call you back. Thats my rule.
piece of advice; if you buy anything online locally always meet at the local police station to do the transaction. Scammers will try to get you to meet else where but insist on the local p.d. If they are legit they wouldn't be an issue. If they say no, walk away. I got robbed for a cell phone and cash earlier this year from a marketplace scam.
The high pressure construction guy/salesman who comes to your door noticing that something about your house needs attention-the loose mortar on the brickwork or chimney,paint, sagging gutters whatever. Might severely overcharge you,collect money up front and abscond,or deliberately create more damage that he then says you must have him repair at much higher cost. Might claim that he has left over supplies from working at a nearby home and can give you an attractive price. Then maybe "bait and switch". Says your problem much worse than it looked. Best not to answer the door if you know that one of these is knocking.
My friend fell for the scam where you get a "job", and they send you a check to buy home office equipment, and then give you a website you have to buy the equipment from. The check bounces of course, and there is no office equipment.
I got a phone call from the IRS saying i owe money. I said ah okay come and arrest me. I lol because my wife works for the IRS. I have also got a text msg saying my apple account is hacked. I never owned an apple product. I think they just cast large net of something and hope to get a catch. Just FYI IRS will send you letters before they ever call you.
I fell for the dating site scam. Even talked to the woman on a phone a bunch of times. Supposedly was coming to visit me when "disaster" struck of course, had her purse stolen.. just needed a few hundred dollars to make the rest of the way blah blah blah.. I'm an idiot🤡
Also, never log into your financial accounts or e-mails when you are in FREE public WiFi such as at the library, airport, coffee shop, etc. Their WiFi is not secure. I highly consider using a VPN like Nord when you surf online via public WiFi.
Im Nigerian (and also from an actual traditionally royal Nigerian family), I remember a Nigerian trying to scam me. I saw the name and immediately knew the language so I contacted them back in the local language saying that I’d be happy to give this so called Prince money. Idk why, he never contacted me again lol.
I get text messages about once a week from unknown people wanting to buy my house and saying they will pay me cash on the spot regardless of its condition. I'm not falling for this. I will never sell my house without an attorney and a realtor.
The puppy dog scam they can also do with any type of pet. I almost fell for one when getting a pet bird. What stoped me from getting scammed was I followed my rule of “cash only and in person” once they asked for an online payment I called BS. They also changed their physical location to another state.
I was a victim of a Roomate scammer. I posted in. FB group looking for a Roomate and someone messaged me and sent a check to hold her spot. Then I got weird vibes and sent the money back but then the bank reversed the deposit because it was a bad check… now I know how bouncing a check works any to not accept checks from strangers 😅
My elderly parents fall for fake Publishers Clearing House scams almost monthly. We called PCH directly, and they confirmed that they never notify people by mail, email or phone. If you win, they will physically show up at your door with cameras and hand you a check. But my parents still fall for anyone who calls or mails them requsting money to claim their prize. They also fell for the Spanish lottery scam.
"My bank" called me and said I needed to change my online banking credentials because they said the info was compromised, I asked for the guys name and operator ID number or other identifying information, and called my bank directly. Sure enough, the guy that answered said it was fraudulent and said he wished everybody was as hesitant to give info to potential scammers as I was lol
I am looking for a job. I have received emails for jobs I applied for. Saying they have to run a credit check before they can hire. Not to mention they are starting a new business and need to do interviews at their home.
The only advice here that is wrong is the password advice. Length is all that really matters. Just take a few words that have meaning at the time, make a little story and put them into a string of like 24+ characters. Then add MFA and even if you’re notified of a breach they won’t have your MFA token and you only need to change whenever you feel like it. The change passwords stance was a choice on a whim and has been disproven. Make your password easy for you to remember and hard for the computer to guess, not the other way around. And use a password manager.
We all know you're lying. You could easily withdraw 8% and not take away from your principal if your retirement is being properly invested. For the last 5 years my gains have been over 10% each year. Yes, during covid, It dipped to about -22% but that was very short-lived and rebounded extremely quickly. As long as you didn't panic with emotions and sell all your retirement then you were fine.
If you want a puppy, instead of buying, adopt one from the local shelter. Breeders treat their dogs really bad, keeping them in crates, and discard them when they get too old to have puppies.
Most definitely, all breeders are like this and there’s no good reason to research and purchase a specific breed for your family or support businesses that try to create healthy lines of animals.
Solid episode. Definitely got me thinking about what am i actually working towards. Stuff i thought i want, but looking back its not a all what i want.
In general, if you even think a mail or call is legit, contact the bank/gov agency/organization by another means using their real phone. 99% of the time you'll hear "nope, not us ..." The job process has lots of risk, but a legit offer letter will not be asking for a deposit account already. You haven't even accepted the offer yet. You'll do this with payroll later.
The only issue with the password change thing is that a lot of people write their passwords down because they forget them, which makes it much less secure. TFA is a much better idea.
My husband clicked on a message that said he had an important message from the bank. They use this to take 52k off a line of credit that we had paid off but didn’t close 😩😩😩. We have been fighting the bank now for 6 months because we used our emergency fund to pay it off so the bank didn’t charge us 10% interest.
When your password gets compromised its mostly the company's fault. It's popular to pass the blame on the customer but changing your password does little to protect you from the most likely source of data breach
Changing passwords is actually an online safety hazzard, don't do it, it's important to have different passwords for different things that are difficult, but don't change them.
You suggest letting scam calls go to voicemail because answering lets the scammer know they've reached a working number. Doesn't having the call picked up by voice mail do the same?
I know... It's weird .. but Ive heard the exact same thing, when I get the scam calls I always let them go to voicemail ... My husband always hit ignore.... And I get way less scam calls than him... so maybe it's true ... who knows lol
Please please please never click on text or email links claiming to be your financial institution saying your account is going to close or something similar. Go to your local branch and report it and/or check to make sure everything is okay. Don’t call the number that may be included on the text or email (it’s the suspect). Lots of spoofed text message fraud going on. They will get your credentials and wire money out of your account.
I keep getting stimulus ads you qualify for 2600 from the government of your under 63, or you qualify for 1400 if you're over 64 it will pay your rent groceries etc one said all you have to have is a ss# its everyday all day . Even though i block and report. Scares me to think some people might fall for it.😢
What about marketplace scams? Whenever i try to sell something i get a few people, that don't live in my country, saying that they want it, they have their son pick it up, and they'll pay via Venmo or whatever. Also, i went to look at a car i wanted to buy, but the profile name and title name didn't match. They showed my a photo of the ID of the person selling it that did match the title, but lied to me when i asked if they were the true owners and on the title so i walked away. They were also selling cars a lot on their profile and the same cars on different profiles.
It is NOT a good idea to change passwords every 90 days. Studies have been done on this and what people found was that people often repeated use of passwords, used simple tricks to remember the passwords, or used simpler passwords due to forced changes. What is important is to have a strong password or passphrase unique to each site visited. This can be challenging, but some have been successful with the use of password managers. I don't use one, myself, but instead (literally) generate my passwords using a key derivation function (KDF) with a unique salt value used for each site. I'm not saying don't change passwords, but just be mindful that it will not necessarily increase security and, if sloppy, might actually be worse.
Don't change your password every 90 days... Just make a really good one and only change it if you have reason to believe it's been exposed. Better yet, just get a password manager.
Change your passwords and dont tell this guy or any other guy how often you changing your passwords cause if they know you're changing your passwords every 90 days then they will get you on the 89th day.....
One thing I want to add about the first one -- you might get a text from a total stranger who pretends they are texting the wrong person. You tell them they have the wrong number and all of the sudden they want to be your friend. They will charm you with compliments, and. .if you're a guy. . .you will get alluring pictures of young ladies who want to invite you to chat on WhatsApp and get to know you. Then they will try to pique your interest with their cryptocurrency business. Don't fall for it!
I love your content, it's informative and much needed these days. However, the constant barrage of memes is very distracting. -Especially in a video this important. Thanks for what you do!
I dont even answer my phone anymore, i let it go straight to voicemail. Thats how many scam phone calls i get. If I don't have you in my contact list I dont answer or call you back. Thats my rule.
Whoever edits these...needs a raise.
Totally agree 😂
I think it’s too much at time but he gives amazing advice regardless
No. Way overdone meme-clips. Gets really tiresome after two or three.
I was thinking the same
@@M22Research sentiments shared. But hey he’s found his style.
piece of advice; if you buy anything online locally always meet at the local police station to do the transaction. Scammers will try to get you to meet else where but insist on the local p.d. If they are legit they wouldn't be an issue. If they say no, walk away. I got robbed for a cell phone and cash earlier this year from a marketplace scam.
That is really good advice.
I agree!
It's easy for to say that some people might live miles from a police station
Then drive or catch a taxi.
Brother I’ve seem people get scammed in a parking lot of a PD station. Meet INSIDE the station lol
The high pressure construction guy/salesman who comes to your door noticing that something about your house needs attention-the loose mortar on the brickwork or chimney,paint, sagging gutters whatever. Might severely overcharge you,collect money up front and abscond,or deliberately create more damage that he then says you must have him repair at much higher cost. Might claim that he has left over supplies from working at a nearby home and can give you an attractive price. Then maybe "bait and switch". Says your problem much worse than it looked.
Best not to answer the door if you know that one of these is knocking.
My friend fell for the scam where you get a "job", and they send you a check to buy home office equipment, and then give you a website you have to buy the equipment from. The check bounces of course, and there is no office equipment.
George slowly becoming the Goat Ramsey personality
Listening to a financial advisor talking about money scams is fun
I got a phone call from the IRS saying i owe money. I said ah okay come and arrest me. I lol because my wife works for the IRS. I have also got a text msg saying my apple account is hacked. I never owned an apple product. I think they just cast large net of something and hope to get a catch. Just FYI IRS will send you letters before they ever call you.
I fell for the dating site scam. Even talked to the woman on a phone a bunch of times. Supposedly was coming to visit me when "disaster" struck of course, had her purse stolen.. just needed a few hundred dollars to make the rest of the way blah blah blah.. I'm an idiot🤡
Don't buy puppies, period! Go to your local shelter and adopt one.
This!!! Go to any shelter, lots of dogs and cats needing homes.
There are many good breeders and reasons to buy a “planned” puppy.
Puppy mills are way cheaper though.
Also, never log into your financial accounts or e-mails when you are in FREE public WiFi such as at the library, airport, coffee shop, etc. Their WiFi is not secure. I highly consider using a VPN like Nord when you surf online via public WiFi.
While you should always be cautious, if your computer and bank are susceptible to a MiTM attack you need a new bank ( and computer ) stat.
Im Nigerian (and also from an actual traditionally royal Nigerian family), I remember a Nigerian trying to scam me. I saw the name and immediately knew the language so I contacted them back in the local language saying that I’d be happy to give this so called Prince money. Idk why, he never contacted me again lol.
I get text messages about once a week from unknown people wanting to buy my house and saying they will pay me cash on the spot regardless of its condition. I'm not falling for this. I will never sell my house without an attorney and a realtor.
I tell them to send nudes to verify 😂
Wow that's a new one. Thank you I didn't know that was a thing.
Can’t wait to report my insurance as a scam been finding them money for years and never got anything in return but more bills in the mail😂
Always good to be aware. I just don't give money to anyone!
Thanks for not scamming me, George.
The puppy dog scam they can also do with any type of pet. I almost fell for one when getting a pet bird. What stoped me from getting scammed was I followed my rule of “cash only and in person” once they asked for an online payment I called BS. They also changed their physical location to another state.
The problem with changing passwords is you will never remember them and then have to go through risky behavior to get on site
I was a victim of a Roomate scammer. I posted in. FB group looking for a Roomate and someone messaged me and sent a check to hold her spot. Then I got weird vibes and sent the money back but then the bank reversed the deposit because it was a bad check… now I know how bouncing a check works any to not accept checks from strangers 😅
My elderly parents fall for fake Publishers Clearing House scams almost monthly. We called PCH directly, and they confirmed that they never notify people by mail, email or phone. If you win, they will physically show up at your door with cameras and hand you a check. But my parents still fall for anyone who calls or mails them requsting money to claim their prize. They also fell for the Spanish lottery scam.
This should be recommended to everyone!
"My bank" called me and said I needed to change my online banking credentials because they said the info was compromised, I asked for the guys name and operator ID number or other identifying information, and called my bank directly. Sure enough, the guy that answered said it was fraudulent and said he wished everybody was as hesitant to give info to potential scammers as I was lol
I am looking for a job. I have received emails for jobs I applied for. Saying they have to run a credit check before they can hire. Not to mention they are starting a new business and need to do interviews at their home.
Another great video George, more of these warning/scam type videos, how to secure our bank accounts, best practices, 2FA etc, great types of everyone.
George is on 🔥 🔥🔥🔥
The only advice here that is wrong is the password advice. Length is all that really matters. Just take a few words that have meaning at the time, make a little story and put them into a string of like 24+ characters. Then add MFA and even if you’re notified of a breach they won’t have your MFA token and you only need to change whenever you feel like it. The change passwords stance was a choice on a whim and has been disproven. Make your password easy for you to remember and hard for the computer to guess, not the other way around.
And use a password manager.
Very great news ❤🙏🙏
Someone scammed me into believing I could safely withdrawal 8% in retirement. I now have no money and am working as a greeter at Walmart.
Hahahaha
...Dave's not here man
😂
We all know you're lying. You could easily withdraw 8% and not take away from your principal if your retirement is being properly invested.
For the last 5 years my gains have been over 10% each year. Yes, during covid, It dipped to about -22% but that was very short-lived and rebounded extremely quickly. As long as you didn't panic with emotions and sell all your retirement then you were fine.
If you want a puppy, instead of buying, adopt one from the local shelter. Breeders treat their dogs really bad, keeping them in crates, and discard them when they get too old to have puppies.
Most definitely, all breeders are like this and there’s no good reason to research and purchase a specific breed for your family or support businesses that try to create healthy lines of animals.
Solid episode. Definitely got me thinking about what am i actually working towards. Stuff i thought i want, but looking back its not a all what i want.
If you sell things online, don't use your own phone number. Use a burner phone/number. (Apps let you do this.)
Great video, thanks.
I wasn't expecting a cybersecurity lesson going into this video. Nice.
Another great video, thanks for the heads up!
In general, if you even think a mail or call is legit, contact the bank/gov agency/organization by another means using their real phone. 99% of the time you'll hear "nope, not us ..." The job process has lots of risk, but a legit offer letter will not be asking for a deposit account already. You haven't even accepted the offer yet. You'll do this with payroll later.
As a rule. If someone you don't know calls you, IT IS A SCAM. Do not ever agree to anything on the phone or on an unsolicited email.
3:58, I sadly fell for that scam, but luckily I got my money back.
But the PUPPIES! They are so cute running in slow motion!
The only issue with the password change thing is that a lot of people write their passwords down because they forget them, which makes it much less secure. TFA is a much better idea.
Hilarious! Love your videos. Sharing with my daughter now!
Very helpful thank you George!
My husband clicked on a message that said he had an important message from the bank. They use this to take 52k off a line of credit that we had paid off but didn’t close 😩😩😩. We have been fighting the bank now for 6 months because we used our emergency fund to pay it off so the bank didn’t charge us 10% interest.
I got scammed buying something off a fake online store.
Watch out for the gift card scam too! I just learned about that today.🤦🏻♀️
Had to double check that the posting was in Markham, Ontario! 🇨🇦
On Facebook, I only go with local pickup and cash pay ..If they show up to pay its theirs.
When your password gets compromised its mostly the company's fault. It's popular to pass the blame on the customer but changing your password does little to protect you from the most likely source of data breach
Excellent!
Home A Glow cleaning service is a scam too!
Changing passwords is actually an online safety hazzard, don't do it, it's important to have different passwords for different things that are difficult, but don't change them.
Why is it a hazard?
You suggest letting scam calls go to voicemail because answering lets the scammer know they've reached a working number. Doesn't having the call picked up by voice mail do the same?
I know... It's weird .. but Ive heard the exact same thing, when I get the scam calls I always let them go to voicemail ... My husband always hit ignore.... And I get way less scam calls than him... so maybe it's true ... who knows lol
Block 🚫 all the scam numbers coming in so that their calls don't come in a second time.
Great info💝! Shared w/my oldest child- maybe he'll listen to someone nearer his age 🤭
Please please please never click on text or email links claiming to be your financial institution saying your account is going to close or something similar. Go to your local branch and report it and/or check to make sure everything is okay. Don’t call the number that may be included on the text or email (it’s the suspect). Lots of spoofed text message fraud going on. They will get your credentials and wire money out of your account.
Nagyon jól kapcsolódott a videó a tegnapi alkalomhoz! 😊😊
Password rotation is no longer recommended. Better to pick a good, strong, nonrepeated password than a sequence of easy to remember passwords
Love the Nokia ringtone on the Iphone😂
I could never fall for the puppy scam, because in my household there can be only one! 😂 My doggie hates other dogs, she only likes them on TV! Lolol
@Get__In.__touch__now hahaha!! A scammer on a video warning us to watch out for scams!!! 🤣😂🤣
I keep getting stimulus ads you qualify for 2600 from the government of your under 63, or you qualify for 1400 if you're over 64 it will pay your rent groceries etc one said all you have to have is a ss# its everyday all day . Even though i block and report. Scares me to think some people might fall for it.😢
What about marketplace scams? Whenever i try to sell something i get a few people, that don't live in my country, saying that they want it, they have their son pick it up, and they'll pay via Venmo or whatever.
Also, i went to look at a car i wanted to buy, but the profile name and title name didn't match. They showed my a photo of the ID of the person selling it that did match the title, but lied to me when i asked if they were the true owners and on the title so i walked away. They were also selling cars a lot on their profile and the same cars on different profiles.
Official website, also tricky.
4:33 I almost fell for this
It is NOT a good idea to change passwords every 90 days. Studies have been done on this and what people found was that people often repeated use of passwords, used simple tricks to remember the passwords, or used simpler passwords due to forced changes. What is important is to have a strong password or passphrase unique to each site visited. This can be challenging, but some have been successful with the use of password managers. I don't use one, myself, but instead (literally) generate my passwords using a key derivation function (KDF) with a unique salt value used for each site. I'm not saying don't change passwords, but just be mindful that it will not necessarily increase security and, if sloppy, might actually be worse.
How do I check to see if a car sale through Facebook marketplace is a scam? I have an antique car that I am selling but don’t want to be scammed
I went to buy your book. It doesn't ship to Canada
Our Ramsey Concierge team can help with international shipping! Reach out to them through our site
Don't change your password every 90 days(very obsolete advice). Instead use a password manager and do NOT reuse passwords.
Yeah 90 day password updates were always bad advice, and even the orgs pushing that bad advice have updated their recommendations
George has a secret band called, "The George Kamel Experience"
Did you add the recent massive GIFTCARD scam????
On my phone unknown callers get silenced .
If they don’t leave a message I block them
"LOVE!" "AH!"
Loling at the suburban mom comment at 3:57
Don't change your password every 90 days... Just make a really good one and only change it if you have reason to believe it's been exposed. Better yet, just get a password manager.
my bank I have changed my password 1 time. My mom got her identity stolen and it was the one account that didnt get comprimised.
What would be some great short term investments ideas to look into
A lawn mower and a blower! There's money in grass & leaves!
Anyone seeing that scam ad with a deep fake of Steve Harvey's voice? My mom thought it was actually Steve Harvey doing the ad read.
strange how committed to the dating scam but, but fail to mention divorce.....
Just promise yourself never to send money from nothing you requested. If not sure, DON'T!!
Can you do a video showing how to avoid the massive scams being perpetuated by the IRS?
How about not even owning a cellphone?
The best ones are the instagram chicks that say they make 840k per month doing affiliate marketing. It is wild.
Change your passwords and dont tell this guy or any other guy how often you changing your passwords cause if they know you're changing your passwords every 90 days then they will get you on the 89th day.....
I made a cameo on 90 day fiance thanks to a nigerian scammer. Mark & daughter lit me up for something they took out of context.
One thing I want to add about the first one -- you might get a text from a total stranger who pretends they are texting the wrong person. You tell them they have the wrong number and all of the sudden they want to be your friend. They will charm you with compliments, and. .if you're a guy. . .you will get alluring pictures of young ladies who want to invite you to chat on WhatsApp and get to know you. Then they will try to pique your interest with their cryptocurrency business. Don't fall for it!
If i checked my bank every day i would probably be depressed
If I want to invest I go to the bank not online 😊
I love your content, it's informative and much needed these days. However, the constant barrage of memes is very distracting. -Especially in a video this important. Thanks for what you do!
Please take notice that George did NOT mention we Gen X'ers in this 😂... Thank God for common sense in the last great generation.
Gen who? 😂
@@joelplatt2651 Like I said, the last great generation. Act like you know.
@@A2thaLO Whoosh 💨
Ha. Youre a funny guy. X ers being great? Good one
@@DylanJo123 Glad you agree...
The Ramsey logo is in the bottom left hand of the thumbnail... Pretty sure that's NOT a scam XD
But I heard Infinity Banking is the smartest thing I can do!
PUPPY SCAM🤘🏽
HAHA! you didn't mention Gen X getting scammed... cause wee trust NO ONE! 😆
Sit back and relax while we currently work on it. 😂 u will cry
😅😅😅😅😅 2:45
Always makes me laugh
“Boomers, millennials, and even Gen Z” …. Gen X too smart to fall for any of these 🤷♀️
I can tell you now loads off fake apps on Facebook now its fucked up
Adopt don’t shop. Problem solved
Change passwords every 90 days? I have hundreds of passwords 😱
❤❤❤
Damn...am in Somalia!
Wow, Hot Topic must've really hurt you somehow
As a frequent shopper I feel attacked 🖤
‘Sorry, but the Better Business Bureau is a sad joke, a sorry shadow of its former self.