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Speaker 1: It's Night's Eyes with Dan Ray. I'm going you razy

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Speaker 1: Boston's News Radio.

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Speaker 2: Well here we are here, we are on a Monday night,

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Speaker 2: and it is still cold. It was a very bitterly

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Speaker 2: cold weekend here in New England, and the weather people

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Speaker 2: are saying it might warm up just a little bit Wednesday,

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Speaker 2: Thursday and Friday. We will see. I hope all of

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Speaker 2: you watched Tracker last night on CBS. We talked about

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Speaker 2: that on Friday night. I hope I've introduced some of

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Speaker 2: you to a new television show that you might like

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Speaker 2: on on Sunday nights, excuse me, on Sunday nights at

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Speaker 2: nine o'clock. But we did talk about it on Friday

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Speaker 2: night at eleven o'clock. We have a four really interesting

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Speaker 2: guests here in the night side news Update. We're going

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Speaker 2: to talk about the closing of the Boston Arena is

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Speaker 2: now named the Matthews Arena, but for those of us

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Speaker 2: to played ice hockey there in high school or college

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Speaker 2: or high school, landro college, it's a very special place.

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Speaker 2: We'll be talking with Bill Stewart. I'm a former college

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Speaker 2: coach and also a longtime referee member of what we

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Speaker 2: would call hockey Royalty. Really a royal family here, the

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Speaker 2: Stewart family in the Greater Boston area. With three special

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Speaker 2: guests coming up at nine o'clock and then at ten

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Speaker 2: o'clock we will talk about the conviction of Brian Walsh.

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Speaker 2: My only question is what took the jury so long,

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Speaker 2: but we will deal with that first up tonight. Amongst

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Speaker 2: our first guests, we're going to talk with Nicholas Colin Tuno.

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Speaker 2: Nicholas challenging last name for me, but did I get it? Was?

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Speaker 2: I close? Dan?

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Speaker 3: You nailed it, my friend, So bonus points for you.

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Speaker 3: I appreciate you having me on. It's a pleasure to

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Speaker 3: be with you tonight.

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Speaker 2: Pleasure to be with you. Nicholas, you're a certified financial planner.

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Speaker 2: Of the question we're asking our tariffs, the grinch that's

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Speaker 2: called this Christmas? Does it change holiday budgeting? I've done

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Speaker 2: a number of shows on tariffs, and it sounds to

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Speaker 2: me like there are specific areas that are impacted, a

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Speaker 2: lot of areas that are not impacted. Thank goodness, gasoline

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Speaker 2: is not apparently impacted. Gasoline shore hunkers down around three

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Speaker 2: three dollars a gallon, at least in this part of

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Speaker 2: the cold Northeast. What sort of an impact what Some

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Speaker 2: of these stories get a little overplayed, but I want

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Speaker 2: to I hope that you're going to give me the

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Speaker 2: true skinny on this. We had the tariff changes last April. Second,

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Speaker 2: the President has constantly fiddled with them and raised some,

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Speaker 2: lowered others, vacated, vacated a few. What sort of an

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Speaker 2: impact does it have on Christmas? I read a story

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Speaker 2: that said American consumers are going to spend a billion

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Speaker 2: dollars this holiday season, which might be the first not

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Speaker 2: a billion, excuse me, it was it a trillion dollars,

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Speaker 2: which might be the first trillion dollar holiday season. Is

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Speaker 2: that conceivable?

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Speaker 3: Yeah, look, Dan, it it doesn't surprise me. It's a

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Speaker 3: daunting number when you think about it. And it's worth

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Speaker 3: prefacing the conversation by talking about the folks we work with.

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Speaker 3: So it's more what I see day to day. We're

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Speaker 3: working with folks who are in this phase of life

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Speaker 3: where we're more often than not they're retired. In other words,

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Speaker 3: they're addressing the need for income at a point where

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Speaker 3: their income is relatively fixed. You know, if they're fortunate,

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Speaker 3: they have pensions, maybe they have a social security but

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Speaker 3: at the end of the day, you know, retirees find

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Speaker 3: themselves in a point where all the money they have

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Speaker 3: is all the money they'll have. So what you're really

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Speaker 3: getting at here with this tariff question is what we

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Speaker 3: all basically knew the case was, and it's the reality

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Speaker 3: that the world we live in just gets more and

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Speaker 3: more and more and more expensive every single day, year

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Speaker 3: in and year out. And I think we're feeling that

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Speaker 3: accelerate over the last year, whether it's due to you know,

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Speaker 3: monetary policy, or whether it's due to trade policy that

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Speaker 3: results in tariffs. But yeah, you know, to answer your question,

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Speaker 3: tariffs can certainly be a bit of a grinch, and

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Speaker 3: I think a lot of people are feeling that this

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Speaker 3: year in particular, and where we're seeing it, as you mentioned,

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Speaker 3: is is just higher gift prices around the board. You know,

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Speaker 3: typically things that are imported, toys, electronics, small appliances, things

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Speaker 3: that are coming from overseas. That's where a lot of

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Speaker 3: those higher costs as a result of tariffs that these

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Speaker 3: companies now have to face are getting passed directly to consumers.

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Speaker 3: And you know, it's also worth mentioning we're we're helping folks.

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Speaker 4: When it comes to this income planning.

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Speaker 3: And you know, this time of year, I typically get

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Speaker 3: the emails or the calls from clients and they say, Nick,

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Speaker 3: I need you know, one thousand dollars for my Christmas

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Speaker 3: gifts or my holiday shopping. You know, it's not surprising

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Speaker 3: for us to get that call this year and the numbers,

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Speaker 3: you know, maybe one and a half, if not two

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Speaker 3: times the amount.

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Speaker 4: It was last year.

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Speaker 5: Now, again, a lot.

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Speaker 3: Of our clients might be fortunate and they're having more kids,

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Speaker 3: more grandkids or whatnot. Their families are expanding. But what

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Speaker 3: we also see is that the budget's expanding as well.

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Speaker 2: So give me a few examples of of items that

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Speaker 2: are Look, everything goes up. One of the things that

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Speaker 2: I see on you know, there was a period of

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Speaker 2: time when eggs went up dramatically, and I think that

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Speaker 2: the Avian flew, which was going on last spring, had

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Speaker 2: as much to do with that as tariffs, particularly in

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Speaker 2: view of the fact we most eggs are way to manufacture.

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Speaker 2: What if you want to call them here, but I'd

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Speaker 2: be curious if there's a few that you can cite.

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Speaker 2: I can tell you that I know that chocolate has

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Speaker 2: gone up dramatically because I like chocolate and it's good

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Speaker 2: for me. I'm going to cut back on chocolate and

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Speaker 2: a lot of cookies. Pepperage farm cookies I know have

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Speaker 2: gone up dramatically and it's stayed up. But amongst toys,

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Speaker 2: amongst gifts, what of people finding substantially you know, more

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Speaker 2: difficult this year to what?

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Speaker 4: Yeah?

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Speaker 3: Yeah, and I like cookies as well, my friend, I

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Speaker 3: also love steak, and I don't know if you've had

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Speaker 3: a steak lately, but they are way more expensed than

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Speaker 3: they were and you know, more towards your question on

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Speaker 3: what consumers are feeling around holiday season, A lot of

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Speaker 3: it is is in the toys, you know, the electronics,

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Speaker 3: anything that might have chips in it or anything that

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Speaker 3: has you know.

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Speaker 4: Processing systems involved.

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Speaker 3: So you know a lot of things like even you know,

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Speaker 3: laptops or small appliances as I mentioned, or you know

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Speaker 3: even toys that have some sort of you know chip

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Speaker 3: element or technology element. Again, you think of where a

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Speaker 3: lot of these products get made. They get made overseas

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Speaker 3: by overseas companies. So any company here domestically that's looking

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Speaker 3: to import those goods and then sell them to US

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Speaker 3: consumers that I mean, those are that's where we're really

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Speaker 3: seeing the tariffs come into play because these consumers are

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Speaker 3: not necessarily I'm sorry, these these resilers or these retailers

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Speaker 3: are not necessarily just willing to eat those costs. They

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Speaker 3: have higher expenses as a result, and what we're seeing

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Speaker 3: is that's getting passed directly onto the onto the US consumer.

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Speaker 2: So some of these would be electronic items that are

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Speaker 2: primarily toys, you know.

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Speaker 3: Small appliances, laptops, tablets, you know, smart devices, whether it's

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Speaker 3: smart watches, things along those lines.

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Speaker 4: So you know, you think of everything that we use,

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Speaker 4: you know, day in and day out.

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Speaker 3: I you know, I'm a big I use the the Amazon,

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Speaker 3: like the fire TV stick. Right, I don't know if

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Speaker 3: we so all these things that are just you know, smaller,

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Speaker 3: smaller appliances might this is.

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Speaker 2: A really dumb question, but I got to be honest

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Speaker 2: with you, Nick, I'm not sure. What is a fire

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Speaker 2: TV stick? That sounds a little scary.

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Speaker 3: So it's a it's it's essentially a device that you

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Speaker 3: plug into a TV that allows you to get access

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Speaker 3: to multiple streaming platforms. Now again, you know that's just

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Speaker 3: the device itself, and it doesn't retail at a huge

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Speaker 3: dollar You know, there's not a huge, uh price tag

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Speaker 3: associated with it, but you know, again the difference between

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Speaker 3: maybe being sold for thirty dollars last year, but maybe

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Speaker 3: it's thirty five or thirty six dollars this year. So

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Speaker 3: it might not seem like a huge increase from a

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Speaker 3: dollar standpoint, but you take a step back, you look

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Speaker 3: at it on a percentage basic it's really the again

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Speaker 3: that you know, that's where a client or folks are

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Speaker 3: are really being faced with it.

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Speaker 2: Okay, is there an item that you can point to one? Again,

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Speaker 2: I'm not trying to cross examine. I'm trying to understand,

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Speaker 2: for example, a laptop, a decent laptop. I'm sure that

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Speaker 2: like anything like with cars, you can go all the

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Speaker 2: way up to you know, to a Rolls Royce. I'm

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Speaker 2: not talking about Rolls Royces. But in a laptop, what

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Speaker 2: would a laptop cost a year ago? What would it

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Speaker 2: cost today?

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Speaker 3: Well, and it's hard to say, right everything, there's there's

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Speaker 3: a range, there are levels to it, but it depends

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Speaker 3: on where that laptop is being manufactured.

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Speaker 4: Obviously, a company like Apple.

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Speaker 3: Computers, you know, they're manufacturing things here in the US,

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Speaker 3: and they've sort of always had a higher price point

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Speaker 3: associated with them. You look at those companies that manufacture overseas,

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Speaker 3: Samsung for example, right, a Taiwanese based company. Right, what

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Speaker 3: we're seeing is a good or a service produced there

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Speaker 3: is coming at a pretty significantly higher price tag than

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Speaker 3: it had in the past, even though again from a

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Speaker 3: competition standpoint, it might still be a more affordable option.

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Speaker 3: But what we're seeing is that the floor just continues

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Speaker 3: to get, you know, higher and higher, and unfortunately that's.

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Speaker 4: Getting passed on.

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Speaker 2: One of the aspects.

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Speaker 4: Oftting passed on to consumers.

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Speaker 2: Yeah, one of the aspects of that is that the

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Speaker 2: President Trump wants to bring jobs back to America. So

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Speaker 2: if if people in wherever manufacturing laptops here, they'll have

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Speaker 2: more money to spend. There'll be better jobs on it.

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Speaker 3: You know, it's worth positioning, right, it's not all coal

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Speaker 3: in the stocking, if you will. You know, domestically produced

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Speaker 3: goods are actually becoming more competitive.

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Speaker 4: Right, So you're seeing the.

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Speaker 3: I guess the benefit of this type of policy at

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Speaker 3: least accomplishing what he was looking to accomplish in the

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Speaker 3: first place, is making us goods and services more competitive, right,

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Speaker 3: And as a result, it's it's kept a lot of

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Speaker 3: those prices down, which is a good thing.

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Speaker 2: Yeah, Nick, I could talk to you about talk with

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Speaker 2: you for hours about this, and maybe what we'll do

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Speaker 2: is we do an hour something night and have people

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Speaker 2: call in, maybe even after the holiday season. But I

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Speaker 2: just want to thank you. You explain yourself very clearly.

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Speaker 2: You make it interesting to talk about and love to

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Speaker 2: have you back. How could folks get in touch with

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Speaker 2: you as a financial planner if they're looking for some help?

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Speaker 3: Yeah, thanks Dan, I appreciate the floor. So our firm,

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Speaker 3: Johnson Burnetti where a registered investment advisor. We've got four

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Speaker 3: offices throughout Massachusetts. We also have eight offices in Connecticut.

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Speaker 3: So we are a you know, for a small feel firm.

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Speaker 3: I mean we are certainly you know, we're very good

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Speaker 3: at what we do. We serve thousands and thousands of

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Speaker 3: households all across in New England.

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Speaker 5: Uh.

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Speaker 3: The easiest way to get in touch with us is

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Speaker 3: go to our website Johnson Brenetti dot com. Uh, and

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Speaker 3: we'd love to have you as a guest. We're always

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Speaker 3: doing educational workshops. You know, if you're in the area

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Speaker 3: and you're sort of of the retiree or pre retiree demographic.

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Speaker 3: You've probably gotten one of our invitations in the mail

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Speaker 3: to come to one of our educational events.

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Speaker 2: Okay, it's all one Johnson.

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Speaker 3: Everybody knows how to spell pressure way to just get

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Speaker 3: a feel for who we are, what we do, and

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Speaker 3: and see if we could be the right fit to

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Speaker 3: help me navigate these uh these changes.

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Speaker 2: Let me give that website one more time. Johnson. Everybody

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Speaker 2: knows how to spell Johnson. Brenetti is b R U

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Speaker 2: N E T t I dot com. Thank you, Nick. Well,

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Speaker 2: we'll talk again. We may get back to you and

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Speaker 2: let's do a longer, longer version when we can really

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Speaker 2: get drilled down. Thank you so much.

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Speaker 3: Sounds like a plan, Dan, Thanks a lot, Bye bye.

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Speaker 2: We're gonna We're gonna come back when to show you

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Speaker 2: how you've become a billionaire tonight. Yeah, believe it or not,

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Speaker 2: a billionaire tonight is possible. We're gonna talk with Mark

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Speaker 2: Bracken of the Massachusetts State Lottery. Right after the break.

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Speaker 1: Boston's News radio delighted.

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Speaker 2: What welcome back. Mark Bracken a friend for many years.

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Speaker 2: He's the executive director of the Massachusetts State Lottery, and

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Speaker 2: he's not gonna tell us the winning numbers that will

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Speaker 2: be drawn tonight somewhere in America at eleven o'clock or no,

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Speaker 2: he can't do that. Hi, Mark, how are you?

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Speaker 5: I'm good.

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Speaker 2: I just wanted to give you a thrill there. You

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Speaker 2: might have thought it lost my mind. No, no one

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Speaker 2: knows those numbers. Where do they do the drawing these days?

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Speaker 2: For the national drawing? Where's it located?

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Speaker 5: Is drawn out of Florida, Oh, Florida lottery across the

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Speaker 5: ball game?

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Speaker 2: Okay, and it's one point one billion on the line

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Speaker 2: tonight it is. Let me yet, I probably ask you

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Speaker 2: a question or two that you don't know the answer to.

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Speaker 2: Would you send fear every time they have these these

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Speaker 2: big numbers? I mean, everybody is getting tickets. I'm assuming

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Speaker 2: that there will be more than one point one billion

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Speaker 2: tickets sold tonight?

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Speaker 5: No, no, no?

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Speaker 2: Oh? So how many tickets would be sold on a

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Speaker 2: night like so.

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Speaker 6: We have.

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Speaker 5: So it's a couple of nights, right, So this is

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Speaker 5: a carryover from Saturday. Yeah, because it didn't hit on Saturday,

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Speaker 5: and Saturday's jackpot was just one or just one billion,

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Speaker 5: just a billion, one hundred million, so bill two hundred

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Speaker 5: million A little bit over one hundred million tickets.

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Speaker 2: Really.

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Speaker 5: Oh so yeah, the gaming You gotta think of this.

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Speaker 5: The game's really it's really a fifty to fifty split.

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Speaker 5: So about fifty cents on the dollar goes towards the

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Speaker 5: rolling jackpot, and then the other fifty cents on the

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Speaker 5: dollar goes to the state, and then the state pays

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Speaker 5: out all the low tail price winters, so all the

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Speaker 5: people that have that matches the powerball or anything like that,

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Speaker 5: and then whatever's left over is the profit. So if

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Speaker 5: it grew by one hundred million, about they were about

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Speaker 5: two hundred million in wages, then give or take get

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Speaker 5: I get it.

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Speaker 2: Well, yeah, it's when you think of it as being

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Speaker 2: up to one point one billion, and you think about

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Speaker 2: the people, what is it six? Is it six numbers?

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Speaker 2: And then an additional number that has.

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Speaker 5: To Michigan five plus one.

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Speaker 2: Five plus one. Okay, So can you think of somebody

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Speaker 2: who hits the five numbers and then just this is

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Speaker 2: the big power number by one?

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Speaker 5: Well, Dan, I'll hey, in the last three weeks since

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Speaker 5: November twenty second, we've had seven people hit four numbers

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Speaker 5: out of five plus the one, so they were only

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Speaker 5: missing one number. So sin since the twenty second of November.

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Speaker 5: All they up until Saturday, we had a winter in

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Speaker 5: Greenfield out in Greenfield that had four plus one. There

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Speaker 5: were only one number off to hit that pays fifty.

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Speaker 2: Wow, well that's not bad, that's not bad. But can

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Speaker 2: you imagine you wake up in the middle of the

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Speaker 2: night and you say, why did whatever the number that

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Speaker 2: they missed? Mother? It was, you know, thirty three Larry

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Speaker 2: Bird or eight Colia Streemsky or ten Derek May whatever,

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Speaker 2: you know, whatever number or whatever sort of machination you're

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Speaker 2: playing with. You know, if if you did miss eight,

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Speaker 2: you're gonna say, why didn't I think?

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Speaker 5: Yeah, no, right, everyone everyone has has an association with

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Speaker 5: the number. For the most part.

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Speaker 4: You know, that's his.

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Speaker 5: Birthday, that's her birthday, that's the day. You know, that's

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Speaker 5: my address, that's you know, my office number. So it

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Speaker 5: gets tough, it gets the mind rolling.

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Speaker 2: For me, it's it's baseball numbers, you know, you know, three,

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Speaker 2: all there's baby Rows, nine, Ted Williams, okay us there.

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Speaker 2: But yeah, it's it's unbelievable. But but someone might win

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Speaker 2: it tonight, and wouldn't it be great? Have we ever

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Speaker 2: had a billionaire winner in Massachusetts.

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Speaker 5: Yet, No, we haven't. The highest is you gotta remember

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Speaker 5: Mavis right back in August at twenty seventeen, she had

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Speaker 5: seven hundred just shy is seven hundred and fifty nine

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Speaker 5: million dollars on poleball. That's our highest jackpot ever.

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Speaker 2: You know, Mark what I never see I never see

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Speaker 2: a follow up story on someone who hits the big number,

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Speaker 2: you know, I mean, do they tend to just want

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Speaker 2: to disappear?

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Speaker 5: Yeah, I have a blend into the blend into the darkness.

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Speaker 5: You know, it's it's and you can't blame them, right, No.

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Speaker 5: A lot of times, first of all, a lot of times,

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Speaker 5: you know, Mayvis came in the next morning with their

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Speaker 5: winning ticket. A lot of times people especially in Massachusetts,

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Speaker 5: they they can claim it as a trust, so they

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Speaker 5: try to they can remain anonymous, and the trust claims

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Speaker 5: it and the trust see comes in on behalf. Some

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Speaker 5: states they have to claim it in person, so you know,

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Speaker 5: their identity gets you know, put out there. Bus you know,

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Speaker 5: you got to think about it. There's a lot of

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Speaker 5: people out there. There's a lot of scams, there's a

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Speaker 5: lot of you know, you know, you know, you kind

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Speaker 5: of hear stories over the years of you know, theft

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Speaker 5: and crime and murder, threats and ransom and kidnapping, and

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Speaker 5: you know it's it can get there and it's like

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Speaker 5: you know, it's life changing. It's absolutely life changing. Especially

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Speaker 5: you know, a million dollars is life changing, but a

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Speaker 5: number like this significantly life changing. So you know, as

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Speaker 5: I will say real quick, you know we met I

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Speaker 5: just mentioned Navies team in the next day, we strongly

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Speaker 5: advise we can't give people financial advice. Someone's listening tonight,

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Speaker 5: does win Please don't come in tomorrow morning. Your money's safe.

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Speaker 5: You're going to get it. Contact the lawyer, contact the

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Speaker 5: financial advisor, figure out what's right for you and then

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Speaker 5: come forward once you're ready.

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Speaker 2: And take that ticket and put it somewhere under your

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Speaker 2: But if you're with me, so when you wake up

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Speaker 2: in the morning, it will be there. And you know,

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Speaker 2: I mean I would find someone in your family that

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Speaker 2: that that is law enforcement related and have them drive you.

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Speaker 2: Don't drive yourself to wherever you're driving. You know, seriously,

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Speaker 2: do it do it the right way? Mark, how's the

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Speaker 2: lot to be doing? Generally?

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Speaker 5: Do you know it down? This year most lotteries are

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Speaker 5: down across the country. We're not down significantly, but we're

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Speaker 5: not up. So we're down, you know a little bit

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Speaker 5: over a percentage point. But you know, holiday season is

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Speaker 5: one of ours strong seasons. So we're waiting to see

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Speaker 5: you know, we run a live a week holiday season. Yeah,

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Speaker 5: you know, I just think things are tough. You know,

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Speaker 5: you hear and you you just had a financial advisor

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Speaker 5: on and uh, you know, times are tough for people.

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Speaker 5: There's only so much you know, there's only so much

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Speaker 5: expendable money. Gaming an entertaining space is growing. You know, competitive,

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Speaker 5: I'm not you know, sports betting and casino betting isn't

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Speaker 5: direct competitors, but there's you know, there's event diagram that

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Speaker 5: goes on there.

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Speaker 2: So you know, I will I will still say that

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Speaker 2: one of the nicest gifts anyway. You know, if you've

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Speaker 2: got to get a gifts for someone, whatever the denomination,

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Speaker 2: buy them a couple of lottery tickets or buy them

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Speaker 2: a twenty dollars scratch ticket or whatever. Uh, if it's

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Speaker 2: something that they look forward to. You know, you look

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Speaker 2: at the Christmas gifts. You go out and you spend

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Speaker 2: for someone and and you have to wrap the thing

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Speaker 2: and uh, and it's a tie that they put in

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Speaker 2: the closet. I have so many ties in my closet.

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Speaker 2: I'm serious. Do something that is good for you, good

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Speaker 2: for the person who is going to receive your gift,

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Speaker 2: and who knows it might be a gift that that

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Speaker 2: they're going to be able to talk about forever they

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Speaker 2: won five hundred dollars, thousand dollars and so uh and

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Speaker 2: help and help the state lottery. I endorsed this.

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Speaker 5: I appreciate that. And it helps cities and towns all

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Speaker 5: of our profit those straights, municipalities, unrestricted local aid. You know, yes,

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Speaker 5: cities and towns and spenter on the want. But you

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Speaker 5: know you can talk to your cities in town that

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Speaker 5: pays for schools, that pay for park it pays to

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Speaker 5: add police and fire and teach us to the school systems.

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Speaker 5: You know, so the money really doesn't come in handy

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Speaker 5: to three hundred and fifty one municipalities.

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Speaker 2: I'm telling you, you tell the treasurer that I would

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Speaker 2: be happy to do any sort of public service announcement

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Speaker 2: or whatever for the lottery, because if not, my old

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Speaker 2: friend Robert Q. Crane would be very upset with me

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Speaker 2: if I did. It's it's a great way at this

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Speaker 2: time of ye have to give someone just that extra gift.

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Speaker 2: It's a little bit of fun. Uh, And I just

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Speaker 2: I think it's a great gift. So hopefully that will

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Speaker 2: push you back into the into into the into the

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Speaker 2: black this year. Okay, I hope.

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Speaker 5: So thank you very much.

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Speaker 2: Thanks Mark, We'll talk again. Thank you so much.

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Speaker 5: Yeah, happy holidays.

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Speaker 2: You celebrate Christmas? And what do you celebrate Honka? What

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Speaker 2: do you celebrate?

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Speaker 5: I thought, no, I celebrate Christmas, but I was at

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Speaker 5: a Honka partty last night. Yeah, well I have Personally

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Speaker 5: I celebrate Christmas, but I love to celebrate all the holidays.

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Speaker 2: Yeah. Well, ours is a blended family, so we have

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Speaker 2: we celebrate Honiker as well as Christmas. So uh, I

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Speaker 2: wish you merry Christmas if that's your holiday at choice.

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Speaker 5: Thank you, Thank you, dan By.

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Speaker 2: So say hi to the treasure for me. Thanks. We'll

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Speaker 2: be back. We have two more guests coming up. We're

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Speaker 2: going to talk about what might be the worst Christmas

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Speaker 2: gift of the season. The best Christmas gift of the

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Speaker 2: season might be a lottery ticket, particularly if you happen

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Speaker 2: to pick the billion number. The numbers tonight back on

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Speaker 2: Nightside right after this.

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Speaker 1: Night Side with Dan Ray, I'm telling you Boston's News Radio.

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Speaker 2: All right, we're talking with Valerie Sokolowski. Hi, Valerie, welcome

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Speaker 2: to Nightside.

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Speaker 7: Oh it's good to be with you again.

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Speaker 6: Dan.

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Speaker 7: Thank you.

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Speaker 2: I love your passion and I hear it once again,

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Speaker 2: and I thank you for joining us. So tonight you're

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Speaker 2: going to talk to us about the number one worst

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Speaker 2: Christmas gift. I can think of a few, but I

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Speaker 2: want to hear from you. What is the number one worst?

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Speaker 7: Oh, my goodness, you know what anything. The worst gifts

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Speaker 7: basically are those things that say I guessed, I guessed,

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Speaker 7: And the best are the ones that say I see you.

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Speaker 7: In other words, give gifts that you know are going

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Speaker 7: to land.

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Speaker 6: Well.

438
00:22:00,680 --> 00:22:03,280
Speaker 7: And I'll tell you a funny story. I got a

439
00:22:03,320 --> 00:22:09,000
Speaker 7: gift for Christmas last year, I think it was, and

440
00:22:10,000 --> 00:22:13,760
Speaker 7: I opened it and the little ticket on the side

441
00:22:14,160 --> 00:22:18,920
Speaker 7: said to Mary love Joan and my name is Valerie.

442
00:22:19,240 --> 00:22:19,760
Speaker 2: Yes, so.

443
00:22:21,760 --> 00:22:25,480
Speaker 7: They just grabbed something. If it's not meaningful for you

444
00:22:25,600 --> 00:22:27,120
Speaker 7: to give, just don't do it.

445
00:22:27,480 --> 00:22:29,800
Speaker 2: Yeah. I know that's true. But you you've got some

446
00:22:30,040 --> 00:22:34,720
Speaker 2: ideas this year that when I read them, they read

447
00:22:34,720 --> 00:22:37,399
Speaker 2: and I read this story your idea. It makes a

448
00:22:37,440 --> 00:22:38,040
Speaker 2: lot of sense.

449
00:22:39,320 --> 00:22:43,240
Speaker 7: Yes, thank you, and I'll just say that it's the season,

450
00:22:43,359 --> 00:22:46,360
Speaker 7: yes to be jolly, but you've got to watch watch out.

451
00:22:46,440 --> 00:22:50,760
Speaker 7: You don't want to give folly. And one of the

452
00:22:51,119 --> 00:22:54,199
Speaker 7: one of the things that I just received, and this

453
00:22:54,400 --> 00:22:57,399
Speaker 7: is to a tip, is to give something back to

454
00:22:57,480 --> 00:23:01,680
Speaker 7: my point that is personal enough that the person has

455
00:23:01,760 --> 00:23:05,240
Speaker 7: taken the time and done something intentionally. And so this

456
00:23:05,560 --> 00:23:08,840
Speaker 7: just happened perfect for the show because it was yesterday

457
00:23:09,440 --> 00:23:12,600
Speaker 7: and a lady that I've known only for about a year,

458
00:23:12,720 --> 00:23:17,040
Speaker 7: but we work out together, and she brought me a

459
00:23:17,080 --> 00:23:20,240
Speaker 7: little small I'm going to say, a Christmas tree. I

460
00:23:20,280 --> 00:23:22,840
Speaker 7: don't know what the fur is called the tree itself,

461
00:23:23,080 --> 00:23:26,280
Speaker 7: but it's a real live little tree. Now, I'll tell

462
00:23:26,280 --> 00:23:29,080
Speaker 7: you how personal that is. Not only is it pretty,

463
00:23:29,080 --> 00:23:31,560
Speaker 7: and it's got little lights and it'll last for a

464
00:23:31,640 --> 00:23:34,520
Speaker 7: long time in my home. But I live in a

465
00:23:34,560 --> 00:23:38,080
Speaker 7: condo and we are going to have a country home,

466
00:23:38,160 --> 00:23:42,200
Speaker 7: a little cabin type thing and I can plant it.

467
00:23:42,960 --> 00:23:45,919
Speaker 7: And she hadn't even thought about that, and so it

468
00:23:46,080 --> 00:23:48,359
Speaker 7: was such a win win, joyful gift.

469
00:23:49,040 --> 00:23:52,480
Speaker 2: Oh that's a great gift. But I do I think

470
00:23:52,480 --> 00:23:54,639
Speaker 2: you're going to tell us about the number one worst

471
00:23:54,720 --> 00:23:56,160
Speaker 2: Christmas gift this year?

472
00:23:56,560 --> 00:23:58,160
Speaker 5: Guess I am.

473
00:24:00,440 --> 00:24:06,400
Speaker 7: Oh anything that is silly. Remember the flapping fish long

474
00:24:06,440 --> 00:24:11,240
Speaker 7: time ago was something stupid, but people gave yeah anything,

475
00:24:11,920 --> 00:24:17,120
Speaker 7: oh yeah, anything that is that you haven't thought well enough.

476
00:24:17,440 --> 00:24:21,399
Speaker 7: For example, I live in a condo now and a

477
00:24:21,480 --> 00:24:26,200
Speaker 7: friend gave me this huge, big thing. I won't say

478
00:24:26,240 --> 00:24:29,600
Speaker 7: what it is, but it couldn't fit anywhere on any

479
00:24:29,640 --> 00:24:34,159
Speaker 7: shelf in my condo. And so, you know, think about

480
00:24:34,200 --> 00:24:41,000
Speaker 7: giving even experiences. For example, my son for Christmas gave

481
00:24:41,080 --> 00:24:46,280
Speaker 7: me tickets to go see one of my favorite artists. Well, now,

482
00:24:46,320 --> 00:24:50,040
Speaker 7: how cool is that? And another friend gave me a

483
00:24:50,080 --> 00:24:52,439
Speaker 7: ticket to go to a cooking class.

484
00:24:52,480 --> 00:24:53,280
Speaker 5: I love to cook.

485
00:24:53,480 --> 00:24:55,640
Speaker 7: How cool is that? And on and on and on.

486
00:24:56,680 --> 00:25:00,880
Speaker 2: Well, I've read a story that was in RAID magazine

487
00:25:00,920 --> 00:25:03,439
Speaker 2: that said the single worst gift this year is to

488
00:25:03,440 --> 00:25:06,119
Speaker 2: give someone a self help book.

489
00:25:06,920 --> 00:25:07,040
Speaker 5: Uh.

490
00:25:08,400 --> 00:25:12,760
Speaker 2: I mean, it says a lot about what you think

491
00:25:13,240 --> 00:25:16,399
Speaker 2: about Uh. Now, I don't know what you do with

492
00:25:16,480 --> 00:25:19,359
Speaker 2: somebody who really does need a self help book, but

493
00:25:20,320 --> 00:25:23,600
Speaker 2: maybe yeah, well they probably don't know it, but you

494
00:25:24,119 --> 00:25:26,000
Speaker 2: don't give them to it's a gift. I mean, you

495
00:25:26,000 --> 00:25:28,760
Speaker 2: can give them something nice and and then say, oh,

496
00:25:28,800 --> 00:25:31,800
Speaker 2: by the way, I think you're in your seventh class

497
00:25:31,840 --> 00:25:35,240
Speaker 2: of wine here, and if I'm not mistaken, you're just

498
00:25:35,359 --> 00:25:41,280
Speaker 2: one a face plant on the floor. How about whatever?

499
00:25:41,440 --> 00:25:43,879
Speaker 2: You know? I mean, I just think that that you.

500
00:25:45,160 --> 00:25:50,399
Speaker 2: I'm sure that sometimes those self help books can probably help,

501
00:25:51,359 --> 00:25:53,240
Speaker 2: but I don't know that anyone wants them as a

502
00:25:53,320 --> 00:25:53,960
Speaker 2: Christmas gift.

503
00:25:53,960 --> 00:25:59,240
Speaker 7: That's that's that's yeah.

504
00:25:59,320 --> 00:26:04,880
Speaker 2: Yeah, it's always tough, you know, at this time of year,

505
00:26:05,000 --> 00:26:12,960
Speaker 2: because there's always pressure pressure on you and I what

506
00:26:13,080 --> 00:26:15,960
Speaker 2: is it? Well, I don't know if I should tell

507
00:26:15,960 --> 00:26:18,880
Speaker 2: you this story. I think I know you well enough,

508
00:26:18,880 --> 00:26:19,560
Speaker 2: so I'm going to tell.

509
00:26:19,440 --> 00:26:21,040
Speaker 3: You this story.

510
00:26:21,280 --> 00:26:25,840
Speaker 2: We had a baby granddaughter who was born last April,

511
00:26:26,440 --> 00:26:28,600
Speaker 2: and my wife and I was supposed to be going

512
00:26:28,640 --> 00:26:33,480
Speaker 2: to a big event in Boston that night, but of

513
00:26:33,520 --> 00:26:36,800
Speaker 2: course we didn't go. It's an annual event that happens

514
00:26:36,840 --> 00:26:39,600
Speaker 2: every springtime in Boston and so one of the it's

515
00:26:39,640 --> 00:26:42,680
Speaker 2: a great event, but we didn't go. So I thought

516
00:26:42,680 --> 00:26:44,720
Speaker 2: to myself, I don't know what I'm going to get

517
00:26:44,800 --> 00:26:48,000
Speaker 2: my now seven month old daughter. And so what I

518
00:26:48,040 --> 00:26:51,159
Speaker 2: did was a friend of mine and I said, we

519
00:26:51,200 --> 00:26:53,199
Speaker 2: didn't get a chance to go. We have purchased tickets

520
00:26:53,200 --> 00:26:54,840
Speaker 2: and all of that, which is fine because it's a

521
00:26:54,840 --> 00:26:57,640
Speaker 2: great charity. I said, could you send me a program

522
00:26:58,160 --> 00:27:00,840
Speaker 2: and also the invitation that we had return to you,

523
00:27:01,680 --> 00:27:03,639
Speaker 2: And so I'm wrapping that up and giving it to

524
00:27:03,720 --> 00:27:07,000
Speaker 2: my son and daughter in law to present at some

525
00:27:07,080 --> 00:27:10,200
Speaker 2: point in the future, probably after long after I've left

526
00:27:10,240 --> 00:27:14,960
Speaker 2: this veil of tears. As he reminded her of something

527
00:27:15,200 --> 00:27:17,439
Speaker 2: very significant that was going on in the city of

528
00:27:17,440 --> 00:27:20,000
Speaker 2: Boston the actual night that she was born.

529
00:27:21,480 --> 00:27:26,080
Speaker 7: Oh now, see, that is what I call an intentional gift.

530
00:27:26,400 --> 00:27:29,000
Speaker 2: Yeah, yeah, Well, I just hope that on her eighteenth

531
00:27:29,119 --> 00:27:33,600
Speaker 2: Christmas or her twenty first birthday or something, my son

532
00:27:33,640 --> 00:27:35,719
Speaker 2: and daughter in law presented to her. Have wrapped it up.

533
00:27:35,760 --> 00:27:39,600
Speaker 2: I've included a note, and it was an event at

534
00:27:39,640 --> 00:27:42,040
Speaker 2: the Boston Public It was what they call the Literary

535
00:27:42,119 --> 00:27:46,840
Speaker 2: Lights Dinner, which is a great dinner to support the

536
00:27:46,840 --> 00:27:50,800
Speaker 2: Boston Public Library. And it's so well done. It's a

537
00:27:50,880 --> 00:27:54,600
Speaker 2: highlight of the It tells you spring has arrived in

538
00:27:54,680 --> 00:27:57,399
Speaker 2: Boston because of the timing of it as well. So

539
00:27:58,760 --> 00:28:01,560
Speaker 2: that's what I'm doing, because again, she was born literally

540
00:28:02,119 --> 00:28:05,480
Speaker 2: while that dinner was going on. We weren't there. We

541
00:28:05,480 --> 00:28:08,120
Speaker 2: were waiting at home for the good news, but there's

542
00:28:08,119 --> 00:28:09,600
Speaker 2: no way we were going to go to the dinner

543
00:28:09,800 --> 00:28:13,359
Speaker 2: in case anything didn't work out perfectly. So that's my

544
00:28:13,480 --> 00:28:15,240
Speaker 2: story of a good gift.

545
00:28:15,359 --> 00:28:18,120
Speaker 7: Well, you know what I love about that story, Dan,

546
00:28:18,440 --> 00:28:22,159
Speaker 7: is that you are a person who and I know you,

547
00:28:22,160 --> 00:28:26,119
Speaker 7: you are an authentic person who does things right. And

548
00:28:26,160 --> 00:28:29,160
Speaker 7: of course you know my podcast is called doing it Right.

549
00:28:29,320 --> 00:28:30,119
Speaker 2: Yes I do, and.

550
00:28:30,200 --> 00:28:34,520
Speaker 7: I yeah, and I mean that when people will just

551
00:28:35,200 --> 00:28:38,400
Speaker 7: go into their own heart and think about things they.

552
00:28:38,320 --> 00:28:41,640
Speaker 5: Would appreciate or wouldn't.

553
00:28:41,240 --> 00:28:44,360
Speaker 7: And what's the intention behind it? And you know another

554
00:28:44,440 --> 00:28:46,760
Speaker 7: thing that's so easy to do, Dan, is if you

555
00:28:47,400 --> 00:28:50,680
Speaker 7: write a little note. All the gifts likely have a

556
00:28:50,720 --> 00:28:54,120
Speaker 7: tag on them, maybe, but wouldn't it wouldn't it be

557
00:28:54,120 --> 00:28:56,680
Speaker 7: a little bit more special to write a note on

558
00:28:56,760 --> 00:28:58,840
Speaker 7: the gift. Now, you can't do it to everyone, not

559
00:28:59,000 --> 00:29:03,880
Speaker 7: if you're a corporate rat, but when you can personalize

560
00:29:04,160 --> 00:29:05,200
Speaker 7: as you can.

561
00:29:05,840 --> 00:29:10,040
Speaker 2: Absolutely and people people should write letters more. You know

562
00:29:10,160 --> 00:29:12,840
Speaker 2: George Bush, former President Bush forty one, used to write

563
00:29:12,880 --> 00:29:15,880
Speaker 2: personalized letters, but he's from a different time, in a

564
00:29:15,920 --> 00:29:19,400
Speaker 2: different generation. Valerie, give us you a podcast so people

565
00:29:19,440 --> 00:29:21,320
Speaker 2: get catch up with you. Go right, ahead.

566
00:29:21,520 --> 00:29:25,400
Speaker 7: Oh, thank you so much. It's on YouTube, so it's

567
00:29:25,440 --> 00:29:30,920
Speaker 7: YouTube dot com. Forward slash doing it. I'm sorry, Forward

568
00:29:30,960 --> 00:29:35,240
Speaker 7: Slash Valerie and Company. But the name of the show

569
00:29:35,600 --> 00:29:38,840
Speaker 7: is doing it right, the stories that make us.

570
00:29:39,160 --> 00:29:42,080
Speaker 2: I was a guest on Valerie Show. It's a great show,

571
00:29:42,440 --> 00:29:46,120
Speaker 2: even even if I do say so. Valerie, thank you

572
00:29:46,160 --> 00:29:50,760
Speaker 2: so much on great holidays to you this Christmas, this Hanukah,

573
00:29:50,840 --> 00:29:53,720
Speaker 2: this New Year's. I hope everything, all of your dreams

574
00:29:53,720 --> 00:29:55,560
Speaker 2: come through and we will talk in the new year.

575
00:29:55,640 --> 00:29:56,440
Speaker 2: I'm sure as well.

576
00:29:57,360 --> 00:30:00,360
Speaker 7: I hope so Dan back at Hugh. Thanks so much.

577
00:30:00,440 --> 00:30:05,200
Speaker 2: Thanks Vallery. We'll talk soon. Valerie Sokolowski Valerie and Company.

578
00:30:05,360 --> 00:30:08,320
Speaker 2: That's her podcast. We'll be back and we're going to

579
00:30:08,400 --> 00:30:11,760
Speaker 2: talk about the Naughty List. I'm gonna talk with Paula

580
00:30:11,800 --> 00:30:15,440
Speaker 2: Fleming the Boston the Better Business Bureau, Boston's Better Business Bureau.

581
00:30:15,640 --> 00:30:19,680
Speaker 2: Twelve scams of the holidays. You know there's always twelve

582
00:30:19,720 --> 00:30:23,120
Speaker 2: this and eleven that and ten this and five five whatever,

583
00:30:23,360 --> 00:30:26,760
Speaker 2: pep pipe, some peeping and whatever. Look with this is

584
00:30:26,800 --> 00:30:29,520
Speaker 2: twelve things you want to stay away from. Valerie is

585
00:30:29,960 --> 00:30:33,120
Speaker 2: rather Paula Fleming joins us right after this break.

586
00:30:34,000 --> 00:30:38,280
Speaker 1: You're on Night Side with Dan Ray on WBZ, Boston's

587
00:30:38,320 --> 00:30:38,920
Speaker 1: news radio.

588
00:30:40,200 --> 00:30:43,520
Speaker 2: Delighted to welcome back Paula Fleming, Chief Marketing and sales

589
00:30:43,560 --> 00:30:48,000
Speaker 2: Officer the Better Business Bureau of Boston, the Boston Better

590
00:30:48,040 --> 00:30:51,600
Speaker 2: Business Bureau. Four bees there the Hi, Paula, welcome back.

591
00:30:51,640 --> 00:30:52,640
Speaker 2: How it's been a while.

592
00:30:53,440 --> 00:30:54,200
Speaker 5: It's been a while.

593
00:30:54,880 --> 00:30:55,320
Speaker 6: How are you.

594
00:30:55,520 --> 00:30:58,120
Speaker 2: I feel like it's been since July, which is too

595
00:30:58,200 --> 00:31:00,360
Speaker 2: long not to talk with you. So if you have

596
00:31:00,520 --> 00:31:04,000
Speaker 2: twelve scams for the holiday, I think we should make it.

597
00:31:04,040 --> 00:31:06,000
Speaker 2: We should drop it in the you know, twelve prince

598
00:31:06,080 --> 00:31:10,800
Speaker 2: of printing on whatever they are, eleven giesea laying. I

599
00:31:10,840 --> 00:31:14,760
Speaker 2: could never remember all those or whatever, but twelve scams

600
00:31:14,760 --> 00:31:22,920
Speaker 2: are scamming. They all basically the commonality is if they

601
00:31:22,960 --> 00:31:25,720
Speaker 2: look too good to be true, like your mother told you,

602
00:31:25,880 --> 00:31:28,880
Speaker 2: they probably are too good to be true, and therefore

603
00:31:28,880 --> 00:31:31,080
Speaker 2: a scam. That's the common answer.

604
00:31:31,040 --> 00:31:34,760
Speaker 6: That is exactly correct. Yees. So I always say, if

605
00:31:34,760 --> 00:31:37,040
Speaker 6: a deal seems too good to be true, it probably is.

606
00:31:37,160 --> 00:31:40,680
Speaker 6: And that is true during these holiday seasons. We want

607
00:31:40,760 --> 00:31:44,120
Speaker 6: your listeners to make sure that they're arming themselves with knowledge.

608
00:31:44,760 --> 00:31:49,600
Speaker 6: Holiday scams are obviously nuisances. They lead to financial loss, identity, theft,

609
00:31:49,680 --> 00:31:55,360
Speaker 6: and severe emotional stress. Already, it's a holiday season. While cheerful,

610
00:31:55,720 --> 00:31:58,120
Speaker 6: it's also very stressful, and we want to try and

611
00:31:58,160 --> 00:32:02,440
Speaker 6: help to eliminate the stress by not leaving you vulnerable

612
00:32:02,480 --> 00:32:03,240
Speaker 6: to these scams.

613
00:32:03,720 --> 00:32:06,520
Speaker 2: So let's talk. We could go through the twelve of them,

614
00:32:06,520 --> 00:32:10,200
Speaker 2: but we probably don't have the time. The commonality is

615
00:32:10,240 --> 00:32:13,880
Speaker 2: that they reach out. The first thing you need to do,

616
00:32:14,000 --> 00:32:18,000
Speaker 2: I think is check the sender. This. I do this

617
00:32:18,160 --> 00:32:21,680
Speaker 2: all the time. I get so much stuff where it's

618
00:32:21,760 --> 00:32:25,080
Speaker 2: they're looking for some help or whatever, or they're offering

619
00:32:25,160 --> 00:32:27,640
Speaker 2: something that sounds too good to be true. Just go

620
00:32:27,840 --> 00:32:31,360
Speaker 2: up and click on the email address of the sender.

621
00:32:31,400 --> 00:32:33,600
Speaker 2: And if they say, oh, we're looking for support for

622
00:32:33,680 --> 00:32:37,560
Speaker 2: the Red Cross, and you click the sender and it's

623
00:32:37,600 --> 00:32:41,440
Speaker 2: you know, you know, you know, Harold Smith at you

624
00:32:41,480 --> 00:32:45,680
Speaker 2: know whatever, you know, Transylvania. I mean, it's just you

625
00:32:45,880 --> 00:32:48,040
Speaker 2: just look at the address of the center and say

626
00:32:48,160 --> 00:32:49,640
Speaker 2: this has to be phony.

627
00:32:49,520 --> 00:32:53,600
Speaker 6: And just absolutely, yeah, absolutely. And many people don't do that.

628
00:32:54,000 --> 00:32:57,400
Speaker 6: They don't realize when they receive an email that by

629
00:32:57,440 --> 00:33:00,160
Speaker 6: simply looking at who it's coming from, they can determ

630
00:33:00,200 --> 00:33:02,640
Speaker 6: and if it is in fact a legitimate email. It's

631
00:33:02,680 --> 00:33:06,040
Speaker 6: one way of doing that, and research first. Always check

632
00:33:06,080 --> 00:33:08,680
Speaker 6: businesses and the charities. You can go to BBB dot

633
00:33:08,800 --> 00:33:13,080
Speaker 6: org as one resource before paying or donating. Sometimes some

634
00:33:13,280 --> 00:33:16,560
Speaker 6: a few simple research steps can help save you from

635
00:33:16,600 --> 00:33:20,320
Speaker 6: financial and personal uh grief in the long run.

636
00:33:20,840 --> 00:33:23,840
Speaker 2: Well, let's say, let's say that's something simple. Let's I'll

637
00:33:23,880 --> 00:33:26,560
Speaker 2: just use an example. Contribute to the United Way and

638
00:33:26,600 --> 00:33:30,560
Speaker 2: everybody says ways, great, and it'll say United Way will

639
00:33:30,600 --> 00:33:34,680
Speaker 2: be spelled improperly instead of United U n i t

640
00:33:34,760 --> 00:33:37,720
Speaker 2: E d w a y It'll be U n i

641
00:33:37,800 --> 00:33:42,240
Speaker 2: t E d w y a right away.

642
00:33:42,280 --> 00:33:48,600
Speaker 6: Very common. Unfortunately, Yes, they're using well known companies charities,

643
00:33:49,000 --> 00:33:52,000
Speaker 6: and they are taking that you are going to fall

644
00:33:52,600 --> 00:33:55,920
Speaker 6: uh for their name or it may even look real

645
00:33:56,000 --> 00:33:59,800
Speaker 6: in the email, like a legitimate business that you're familiar with,

646
00:33:59,840 --> 00:34:02,280
Speaker 6: but you go to the center as you mentioned, and

647
00:34:02,320 --> 00:34:06,280
Speaker 6: it is in fact misspelled or not the you know

648
00:34:06,400 --> 00:34:08,960
Speaker 6: dot com that it would be. So you have to

649
00:34:09,000 --> 00:34:12,240
Speaker 6: take that into consideration before you click on any items.

650
00:34:12,640 --> 00:34:14,520
Speaker 2: What are some of the other And again, I know

651
00:34:14,600 --> 00:34:18,440
Speaker 2: that some of the items that you have here is misleading.

652
00:34:19,120 --> 00:34:23,759
Speaker 2: Social media ads, social media gift exchanges, people saying oh,

653
00:34:23,800 --> 00:34:26,280
Speaker 2: we want you to believe to join a secret center

654
00:34:26,320 --> 00:34:28,879
Speaker 2: and you don't know the people secret sandws will fine

655
00:34:28,920 --> 00:34:33,280
Speaker 2: if you know the people who evolve faith told collection text.

656
00:34:33,920 --> 00:34:37,400
Speaker 2: You owe seven hundred and thirteen dollars to the Pennsylvania

657
00:34:37,440 --> 00:34:40,680
Speaker 2: turnpi Well maybe they owe seventy dollars to the Pennsylvania

658
00:34:40,680 --> 00:34:44,239
Speaker 2: Turnpike Authority. You haven't driven in Pennsylvania. Why would you

659
00:34:44,320 --> 00:34:48,399
Speaker 2: be getting that? Please you? They just will send out

660
00:34:48,760 --> 00:34:51,840
Speaker 2: millions hoping that some people have driven through Pennsylvania and

661
00:34:52,440 --> 00:34:53,200
Speaker 2: feeling guilty.

662
00:34:54,160 --> 00:34:57,359
Speaker 6: Absolutely. Yeah, Fake tol and delivery texts are becoming more

663
00:34:57,400 --> 00:35:01,160
Speaker 6: and more common. These criminals are posing as legitimate services

664
00:35:01,200 --> 00:35:03,560
Speaker 6: asking for payment via phony links and that could be

665
00:35:03,640 --> 00:35:08,480
Speaker 6: via email or text. People unfortunately fall for this because

666
00:35:08,520 --> 00:35:11,279
Speaker 6: they're in feared that something is going to happen. They're

667
00:35:11,320 --> 00:35:15,319
Speaker 6: going to be you know, possibly arrested, or they call

668
00:35:15,360 --> 00:35:17,440
Speaker 6: the phone number and they get threatened and they just

669
00:35:17,640 --> 00:35:21,640
Speaker 6: immediately want to pay it, giving a credit card, sometimes

670
00:35:21,760 --> 00:35:25,520
Speaker 6: venmoing money. So you have to be extremely cautious. Avoid

671
00:35:25,760 --> 00:35:29,520
Speaker 6: unsolicited links, whether it's email or text. Don't click on

672
00:35:29,640 --> 00:35:33,560
Speaker 6: links in text, emails or social posts. Go directly to

673
00:35:33,600 --> 00:35:35,120
Speaker 6: the official websites.

674
00:35:35,640 --> 00:35:40,640
Speaker 2: I get these things. Please confirm that you have purchased uh,

675
00:35:41,320 --> 00:35:44,759
Speaker 2: you know, you know, you know, Bob's anti virus for

676
00:35:44,880 --> 00:35:47,360
Speaker 2: your computer. Obviously it make they make it sound a

677
00:35:47,400 --> 00:35:50,960
Speaker 2: little bit more than that, but it's like I haven't

678
00:35:51,000 --> 00:35:54,200
Speaker 2: purchased an anti virus for my computer. I have anti viruses.

679
00:35:54,200 --> 00:35:57,279
Speaker 2: I know what they are. And again you look at

680
00:35:57,320 --> 00:35:59,920
Speaker 2: the sender and it's you know, you know, you know,

681
00:36:00,360 --> 00:36:06,880
Speaker 2: Bob Smith and the returning address is Stockholm, Sweden or something,

682
00:36:06,920 --> 00:36:09,879
Speaker 2: and it's like, you know, come on and at least

683
00:36:09,920 --> 00:36:13,160
Speaker 2: make it, make it a challenge. Just just check it out, guys,

684
00:36:13,239 --> 00:36:17,440
Speaker 2: don't be taken, you know, right right to you, Paul,

685
00:36:17,520 --> 00:36:19,880
Speaker 2: I know I've kind of thrown somebod these out, but

686
00:36:19,920 --> 00:36:22,400
Speaker 2: I'm getting better at this, and I'm just trying to

687
00:36:22,440 --> 00:36:24,040
Speaker 2: share the stuff that i'm seeing.

688
00:36:25,280 --> 00:36:27,840
Speaker 6: Absolutely yeah, and I appreciate that, and I'm happy that

689
00:36:27,880 --> 00:36:30,560
Speaker 6: you are getting better at this because I think it's important.

690
00:36:30,560 --> 00:36:33,840
Speaker 6: I've been doing this for over twenty years, and unfortunately,

691
00:36:33,920 --> 00:36:36,120
Speaker 6: these scammers just get more and more savvy, and as

692
00:36:36,120 --> 00:36:39,080
Speaker 6: we rely on technology more and more in our day

693
00:36:39,120 --> 00:36:43,839
Speaker 6: to day lives, it becomes very hard to identify what

694
00:36:43,960 --> 00:36:46,200
Speaker 6: is real and what is fake, and so I think

695
00:36:46,239 --> 00:36:49,359
Speaker 6: it's important that we just keep repeating and go back

696
00:36:49,400 --> 00:36:51,399
Speaker 6: to your gut if it seems too good to be true,

697
00:36:51,400 --> 00:36:54,319
Speaker 6: as you started off the segment saying, it probably is.

698
00:36:55,239 --> 00:36:58,840
Speaker 6: Make sure that you're using secure payments, so prefer credit

699
00:36:58,840 --> 00:37:03,799
Speaker 6: cards over venmo or debit cards. Avoid prepaidor gift card

700
00:37:03,840 --> 00:37:07,479
Speaker 6: based payments for unknown sellers. Simple steps you can take

701
00:37:07,560 --> 00:37:11,440
Speaker 6: to protect yourself. Not everything is one hundred percent, but

702
00:37:11,560 --> 00:37:14,480
Speaker 6: some simple steps can really help in the long run

703
00:37:14,560 --> 00:37:16,680
Speaker 6: prevent financial and personal fraud.

704
00:37:17,400 --> 00:37:20,239
Speaker 2: Yeah, I'm still waiting for that Nigerian princess to show

705
00:37:20,280 --> 00:37:23,040
Speaker 2: up with the taking dollars she promised me. And you know,

706
00:37:23,160 --> 00:37:25,439
Speaker 2: I mean, I'm beginning to think that's a scam too.

707
00:37:28,320 --> 00:37:30,160
Speaker 6: You know, it's bad, but I will tell you that

708
00:37:30,400 --> 00:37:33,200
Speaker 6: I can't. You know, every day we receive hundreds of

709
00:37:33,239 --> 00:37:37,399
Speaker 6: scam hundreds of scam reports, and these these are some

710
00:37:37,480 --> 00:37:39,920
Speaker 6: of those people that fall victim to that as well

711
00:37:39,960 --> 00:37:42,360
Speaker 6: as you know, one recent one I thought read today

712
00:37:42,480 --> 00:37:44,560
Speaker 6: was a puppy scam. You know, they thought they were

713
00:37:44,560 --> 00:37:47,239
Speaker 6: getting one to put under the tree, and unfortunately they're

714
00:37:47,280 --> 00:37:50,440
Speaker 6: out over one thousand dollars from a puppy scam.

715
00:37:50,560 --> 00:37:53,319
Speaker 2: And so if If anyone wants get information, they can

716
00:37:53,360 --> 00:37:55,960
Speaker 2: go to the Boston been a business field. What's the website, Paulum.

717
00:37:56,520 --> 00:37:59,000
Speaker 2: All of a sudden, my producers telling me we're running

718
00:37:59,000 --> 00:37:59,960
Speaker 2: out of time. What's the web?

719
00:38:00,360 --> 00:38:04,560
Speaker 6: Not a problem. It is BBB dot org. BBB dot org.

720
00:38:05,080 --> 00:38:08,000
Speaker 2: Perfect, Paula Fleming. We will talk to you earlier in

721
00:38:08,080 --> 00:38:10,839
Speaker 2: the new year. Okay, thank you so much. Happy Holidays,

722
00:38:11,360 --> 00:38:16,640
Speaker 2: Merry Christmas, Happy Honica, happy Kwanzi, happy Festivus, whatever you celebrate. Okay, Paula,

723
00:38:16,800 --> 00:38:20,680
Speaker 2: thanks so much. All Right, nine o'clock News is coming up,

724
00:38:20,719 --> 00:38:22,680
Speaker 2: and after that we're going to talk about the closing

725
00:38:22,800 --> 00:38:25,799
Speaker 2: of a Boston institution. What we all knew is the

726
00:38:25,800 --> 00:38:28,720
Speaker 2: Boston Arena and recently has been called the Matthews Arena

727
00:38:28,719 --> 00:38:29,440
Speaker 2: at Northeastern