Apr 03, 2025 Senior Citizens Advisory Commission

EMERGENCY LAST

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THEY'RE NOW HOME.

HOWEVER,

[ NOTICE OF MEETING CITY OF GARLAND, TEXAS SENIOR CITIZENS ADVISORY COMMISSION Work Session Room of City Hall William E. Dollar Municipal Building 200 N. Fifth Street Garland, Texas April 3, 2025 at 9:00 a.m. A meeting of the Senior Citizens Advisory Commission of the City of Garland, Texas will be held at the aforementioned location, date, and time to discuss and consider the following agenda items.]

SO THEY JUST, SHE JUST WASN'T UP TO COMING.

UM, HAS EVERYONE HAD AN OPPORTUNITY TO READ THE MINUTES? ARE THERE ANY CORRECTIONS OTHER THAN LARRY BEING THE PERSON WHO ARRANGED FOR, UH, OUR SENIOR BANK FRAUD PRESENTATION THIS MORNING? IF THERE ARE NO FURTHER CORRECTIONS, DO I HEAR A SEC? UH, MOTION? YES, I MOVE.

WE ACCEPT THE MINUTES AS PRESENTED.

THANK YOU.

AND SECOND AMADOR.

THE MINUTES HAVE BEEN MOVED AS CORRECTED.

UH, ACCEPTED AS CORRECTED BY SAL ROBERTO AND SECONDED BY AMADOR CASTRO.

OUR FIRST PRESENTER THIS MORNING IS GONNA BE JERRY CLICK FOR THE GARLAND FIRE DEPARTMENT.

I'M JUST GONNA TAKE A FEW MINUTES OF YOUR TIME.

HOW Y'ALL DOING THIS MORNING? DOING WELL.

I WANNA TALK TO YOU ABOUT THE IMPORTANCE OF US KNOWING YOUR MEDICAL INFORMATION WHEN WE GET CALLED TO YOUR HOUSE OR IF YOU'RE IN A CAR WRECK.

IT'S VERY IMPORTANT THAT WE KNOW YOUR MEDICAL INFORMATION.

FOR EXAMPLE, I TAKE BLOOD THINNERS IF I'M INVOLVED IN A CAR WRECK, NOW THAT I'M ON BLOOD THINNERS, THAT UPS THE ANDY A LITTLE BIT.

NOW I'VE GOTTA GO TO A TRAUMA CENTER.

IT'S VERY IMPORTANT THAT WE KNOW YOUR INFORMATION.

SO I PLACED IN FRONT OF YOU A SHEET OF PAPER.

THIS IS SOMETHING THAT WE CREATED AS THE GARLAND FIRE DEPARTMENT FOR YOU TO LIST YOUR PERSONAL INFORMATION, YOUR EMERGENCY CONTACTS, YOUR MEDICAL INSURANCE, AND THEN ON THE BACK, IT'S ALL YOUR MEDICAL INFORMATION, YOUR MEDICAL HISTORY, AND YOUR MEDICATIONS.

WE ASK THAT YOU FILL THAT PART OUT IN PENCIL IN CASE THINGS CHANGE.

VERY IMPORTANT TO US THAT YOU TAKE THIS AND YOU JUST PUT IT ON A MAGNET.

YOU CAN PUT IT IN A BAG OR YOU CAN JUST MAG MAGNET TO YOUR DOOR, TO YOUR REFRIGERATOR DOOR.

BECAUSE SOMETIMES, LET'S JUST BE HONEST, YOU DON'T FEEL LIKE ANSWERING QUESTIONS.

YOU MAY NOT BE ABLE TO ANSWER QUESTIONS.

SO THIS IS VERY IMPORTANT INFORMATION THAT WILL HELP US OUT A LOT.

ALSO, IS EVERYBODY AWARE OF THE HEALTH APP THAT'S ON YOUR PHONE? YEAH.

DOES EVERYBODY HAVE AN IPHONE? YEP.

NO.

EVEN IF YOU DON'T HAVE AN IPHONE, IF YOU GOT A GALAXY, THERE'S A HEALTH APP.

IT'S THAT HEART.

YOU CAN PUT YOUR INFORMATION IN THAT HEALTH APP AND WE CAN ACCESS THAT.

WE ACCESS IT JUST LIKE YOU'RE TURNING OFF YOUR PHONE.

SO WE'LL GO TO TURN OFF YOUR PHONE AND IT SAYS MEDICAL ID.

SO YOU CAN GO IN THAT MEDICAL ID AND YOU CAN PUT ALL YOUR INFORMATION IN THERE.

JUST LIKE ON THE PAPER.

YOU CAN PUT YOUR MEDICINES, YOUR MEDICAL, YOUR HISTORY, YOU CAN PUT YOUR CONTACT INFORMATION AND WE CAN ACCESS THAT.

EVEN IF YOU'RE UNCONSCIOUS, WE CAN ACCESS THAT.

VERY, VERY IMPORTANT.

I'VE HAD SOME ISSUES.

I'VE HAD TO GO TO THE HOSPITAL AND SOMETIMES YOU JUST, YOU'RE NOT ABLE TO TALK.

SO I JUST GO TO THIS AND I JUST HAND IT TO THE NURSE BECAUSE THEY'VE GOTTA LIST EVERYTHING ON THERE.

SO MEDICAL INFORMATION IS CRUCIAL.

SO PLEASE TAKE TIME TO FILL THAT OUT.

EITHER PUT IT IN A BAGGIE OR JUST TAKE A MAGNET AND JUST PUT IT TO YOUR REFRIGERATOR DOOR.

NOW LET'S JUST BE, I'M JUST GONNA ASK, IS THERE ANYBODY IN HERE THAT TAKES MULTIPLE MEDICINES? SO SOMETIMES THE MEDICINES THAT WE GIVE MAY INTERACT WITH THE MEDICINES THAT YOU TAKE AT HOME.

SO WE WANT TO BE SURE THAT WE KNOW THE DIFFERENCE.

ALRIGHT, SO PLEASE FILL OUT THE MEDICAL RECORDS.

PLEASE FILL IT OUT ON YOUR PHONE.

'CAUSE IF YOU FILL THAT OUT AND PUT IT ON YOUR REFRIGERATOR, YOU'RE NOT GONNA HAVE YOUR REFRIGERATOR IN YOUR CAR WHEN YOU GET A WRECK.

SO JUST BE SURE YOU DO THIS ON YOUR PHONE.

ALSO, I'VE GIVEN YOU A FIRST AID KIT.

THAT'S WHAT THAT LITTLE PILL BOTTLE IS.

IT'S JUST GOT A FEW BANDAIDS IN IT.

IT'S GOT A LITTLE GAUZE PAD IN IT AND IT'S GOT A LITTLE ANTISEPTIC HAND WIPE.

I JUST THINK IT'S GOOD TO ALWAYS HAVE THAT.

I CAN'T TELL YOU HOW MANY TIMES I'VE BEEN SOMEWHERE AND SOMEBODY NEEDS A BANDAID.

NOW I TAKE BLOOD THINNER.

SO PEOPLE WILL COME UP TO ME ALL THE TIME AND GO, HEY, YOU'RE BLEEDING.

WELL, I'VE ALWAYS GOT A BANDAID WITH ME.

I WAS JUST TALKING TO SOMEBODY TO BATTALION CHIEF.

LITTLE OVER HERE.

WHEN I WAS RIDING THE AMBULANCE, YOU COULD COME TO ME AND GO, HEY MAN, I NEED SOMETHING TO DO.

A SURGICAL AIRWAY.

I GOT IT.

I NEED SOMETHING TO HELP THIS LADY.

HAVE A BABY.

I GOT IT.

BUT ASK FOR A BANDAID.

THEY'RE GONNA HAVE TO TAKE 'EM AN HOUR TO LOOK FOR OVER THE AMBULANCE TO GET A BANDAID.

SO THAT'S JUST GOT A FEW BANDAIDS IN IT.

IT'S GOT A GAUZE PAD AND IT'S ALSO GOT A ANTISEPTIC HAND WIPE.

JUST KEEP IT ON YOU PUT IT IN YOUR PURSE, PUT IT IN YOUR BACKPACK.

AND THEN I ALSO GAVE YOU A PIECE OF PAPER EXPLAINING THE IMPORTANCE OF SMOKE ALARMS. PLEASE GO HOME AND CHECK YOUR SMOKE ALARM.

YOUR SMOKE ALARM WILL HAVE A BUTTON ON IT.

YOU PUSH IT AND HOLD IT IN FOR A FEW SECONDS AND IT'LL SOUND AN ALARM.

THAT TELLS YOU THAT IT WORKS.

WE WERE SUPPOSED TO CHANGE OUR BATTERY WHEN WE CHANGED THE CLOCK BACK IN MARCH.

NONE OF YOU CHANGED YOUR BATTERY.

PLEASE GO HOME AND CHANGE YOUR BATTERY.

ALRIGHT, IF YOUR SMOKE ALARM IS OLDER THAN 10 YEARS, IT NEEDS TO BE REPLACED.

THE NEW ONES THAT YOU'RE GONNA BUY NOW, IF YOU GO TO REPLACE IT, THEY, THEIR BATTERIES ARE GOOD FOR 10 YEARS.

YOU DON'T HAVE TO REPLACE IT.

IN FACT, YOU CAN'T EVEN ACCESS YOUR BATTERY.

IT'S GOOD FOR 10 YEARS.

SO JUST TO RECAP MEDICAL INFORMATION, EXTREMELY IMPORTANT THAT WE KNOW THAT.

SO PLEASE FILL OUT THAT FORM, PUT IT ON YOUR APP.

SMOKE ALARMS. JUST GO HOME AND CHECK 'EM.

'CAUSE THIS SMOKE ALARM, YOU KNOW, IN THE OLD DAYS WHEN GRANDMA'S HOUSE WAS 800 SQUARE FEET, SHE HAD ONE SMOKE ALARM.

WELL

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WE NEED MULTIPLE SMOKE ALARMS THROUGHOUT THE HOUSE.

SO JUST GO HOME AND CHECK ALL OF THEM AND MAKE SURE THEY WORK.

AND HOPEFULLY YOUR SMOKE ALARMS ARE INTERCONNECTED.

SO IF ONE GOES OFF, THEY ALL GO OFF.

IT JUST MAKES, IT MAKES YOU MORE FIRE SAFE.

'CAUSE MOST FIRES HAPPEN AT HOME AT NIGHT WHEN YOU'RE ASLEEP.

AND THAT'S IT FOR MY PRESENTATION.

DO Y'ALL HAVE ANY QUESTIONS? YES SIR.

DOES THE RED CROSS OR DOES GARLAND, UH, POLICE OR FIRE PARTICIPATE IN THE RED CROSS? UH, FREE.

WE DO NOT PARTICIPATE IN THE RED CROSS FREE SMOKE ALARMS. BUT WHAT WE DO IS WE HAVE SMOKE ALARMS. I'VE GOTTA BE CAREFUL 'CAUSE WE HAVE A PROGRAM, BUT WE DON'T HAVE A PROGRAM.

YEAH, WE HAVE A PROGRAM AND IT'S MAINLY FOR YOUR PEOPLE ON A FIXED INCOME.

YOUR OLDER POPULATION, IF THEY CALL AND SAY, HEY, I CAN'T AFFORD A SMOKE ALARM OR EVEN I NEED MY BATTERY CHANGED.

WE'LL SEND AN ENGINE OUT TO GIVE YOU A SMOKE, PUT A SMOKE ALARM UP FOR YOU.

WE'LL DO THAT.

BUT WE HAVE TO BE CAREFUL SAYING WE HAVE A PROGRAM BECAUSE WE HAD A BUILDER THAT WAS BUILDING $700,000 HOMES THAT WAS COMING AND GETTING 30 AND 40 SMOKE ALARMS FROM US.

LIKE THEY COULDN'T AFFORD IT.

SO WE HAVE A PROGRAM, BUT OUR PROGRAM IS FOR THE PEOPLE THAT CAN'T AFFORD SMOKE ALARMS. WE WANT EVERYBODY TO HAVE A SMOKE ALARM.

YES.

SO ALL YOU GOTTA DO IS CONTACT ME OR CALL THE OFFICE AND NOW THEY'LL SEND AN ENGINE OUT THERE TO PUT 'EM UP FOR YOU.

YES MA'AM.

MINE SMOKE ALARMS ARE HARDWIRED.

YES MA'AM.

MOST OF THEM ARE HARDWIRED WITH A BATTERY BACKUP IN MY HOUSE.

I'VE GOT HARDWIRED WITH A BATTERY BACKUP AND I'VE ALSO GOT BATTERY SMOKE ALARMS. I'VE GOT LIKE 30 SMOKE ALARMS THROUGHOUT MY HOUSE.

SO YES, MOST OF THEM ARE GONNA BE, AND IF THEY'RE HARDWIRED, THEY'RE PROBABLY INTERCONNECTED.

SO IF ONE GOES OFF, THEY ALL GO OFF.

OKAY.

YES MA'AM.

ANY OTHER QUESTIONS? STILL NEED TO CHECK IT THOUGH.

YOU NEED TO CHECK IT? YES MA'AM.

YEAH, JUST TO MAKE SURE.

ARE THERE ANY OTHER QUESTIONS? OKAY, I'D LIKE TO INTRODUCE TO Y'ALL, WE HAVE A FAIRLY NEW FIRE MARSHAL.

UH, HE TOOK THE OFFICE LAST YEAR.

CORRECT.

HIS NAME IS BATTALION CHIEF TOMMY LITTLE.

AND I'D LIKE Y'ALL TO KNOW WHO HE IS 'CAUSE YOU'RE GONNA BE INTERACTING WITH HIM A LITTLE BIT.

AND TOMMY'S GONNA COME UP HERE AND SAY A FEW WORDS.

HEY, HOW YOU DOING TODAY? AWESOME.

HOW YOU DOING? GOOD MORNING.

DOING WELL.

UM, SO JUST A LITTLE BIT ABOUT ME.

I GREW UP IN GARLAND.

I'VE BEEN HERE SINCE I WAS THREE YEARS OLD, SO 50 YEARS NOW.

UM, SINCE I JUST HAD A BIRTHDAY, JUST A KID.

SO, UH, UM, YOU KNOW, I'M VESTED IN THIS, UH, IN THIS DEPARTMENT FOR SURE.

I'VE GOT A SON THAT WORKS FOR THE FIRE DEPARTMENT.

SO I'M REALLY IN TUNE WITH MAKING SURE THAT EVERYTHING THAT THAT WE DO THROUGH OUR OFFICE IS, UH, SAFE FOR THE PUBLIC AND SAFE FOR MY FAMILY, YOU KNOW, 'CAUSE HE'S GONNA BE HERE FOR A LONG TIME.

SO, UH, UM, ANYTHING ANYBODY NEEDS, I KNOW THAT THE SENIOR CITIZENS ARE FIXING TO GET A NEW BUILD, NEW BUILDING WHERE I THINK ON THE SIDE OF THE OLD ONE.

SO WE'LL BE, YOU KNOW, REVIEWING THE PLANS AND, AND, UM, MAKING SURE THAT'S A, YOU KNOW, A GOOD BUILDING FOR, FOR EVERYBODY INVOLVED.

AND WE HAVE A GOOD, A LOT OF ACTIVITIES AND, AND STUFF.

UH, I REMEMBER WHEN I WAS AT CENTRAL STATION GOING OVER THERE AND, UH, UH, VISITING AND DOING SOME HEALTH FAIR STUFF AND I'M, I CALLED BINGO ONE TIME, .

SO, UH, IT WAS, UH, IT WAS A GOOD TIME.

SO I'M LOOKING FORWARD TO, TO BEING INVOLVED IN THAT AND MAKING SURE WE HAVE A TOP-NOTCH FACILITY.

SO, UH, ANYTIME YOU NEED ME FOR ANY QUESTIONS, UM, WE NORMALLY BUILD DEAL WITH BUSINESS STUFF, BUT ON OCCASION THERE'S UH, THERE'S RESIDENTIAL QUESTIONS THAT GET ASKED AND THE, UH, YOU KNOW, FIRE ALARMS, WHATEVER.

IF, IF, UH, OUR GUYS ARE TOO, THE ENGINES ARE TOO BUSY, I'LL COME OUT AND PUT ONE UP.

SO JUST MAKE SURE YOU CALL AND, AND, UH, WE'LL TRY TO GET YOU WHATEVER HELP YOU NEED.

THAT'S ALL I GOT.

NICE TO MEET EVERYBODY.

IF YOU HAVE ANY QUESTIONS, YOU KNOW, I'D BE GLAD TO ANSWER ANY OF 'EM, BUT THANKS WHEN THEY'RE GONNA FINISH THE, UH, CITIZEN CENTER.

.

THAT'S A GOOD, WE GOTTA GET STARTED BEFORE WE CAN GET FINISHED, BUT I, I'M READY TO GO.

IT'S, UH, IT'S, IT'S THE FAMOUS QUESTION OVER AT THE SENIOR.

I BET IT IS.

YEAH.

IT, YOU KNOW, THEY HAD SOME GOOD TURNOUTS OVER THERE, SO I'M, I'M READY TO GET IT UP AND GOING.

SO WE'LL TRY TO EXPEDITE OUR PART OF IT SO WE CAN, WE CAN GET IT UP AND RUNNING.

I DON'T THINK YOU'RE PART OF IT.

IT'S HOLDING UP THE PROGRESS.

YEAH.

BUT THAT'S JUST A PERSONAL OPINION.

YEAH.

THANK YOU, CHIEF.

YOU'RE WELCOME.

Y'ALL HAVE A GREAT DAY.

THANK YOU.

THANK YOU.

YOU THANK Y'ALL VERY MUCH.

I HAVE WONDERFUL DAY.

THANK YOU.

SEE YOU EVERYONE.

.

MS. HAZEN COEN.

YES, YOU'RE UP.

THANK YOU SO MUCH, .

HI.

UM, SO LET ME GIVE MYSELF A LITTLE INTRODUCTION.

UH, MY NAME IS MARIA HAZEN COHEN.

I ACTUALLY GREW UP IN GARLAND, WENT TO SOUTH GARLAND HIGH SCHOOL.

UH, SO MY ROOTS ARE VERY STRONG HERE.

UH, AND, UH, WORKED FOR CHASE, JP MORGAN CHASE FOR 34 YEARS.

UH, AND WHAT I DO NOW, POSITION, UM, COMMUNITY MANAGER.

AND SO I ACTUALLY GO OUT INTO THE COMMUNITY AND I TEACH FINANCIAL EDUCATION.

I'VE ACTUALLY GONE SEVERAL TIMES TO THE, ISN'T IT FIELDS RECREATION? UH, YES.

FIELDS RECREATION CENTER, AND ACTUALLY DONE SEVERAL CLASSES THERE.

I HAVE A REALLY GOOD TIME.

HAVE A REALLY GOOD TURNOUT.

UH, AND ONE OF THE THINGS THAT WE LIKE TO TALK ABOUT IS HOW TO HELP AVOID FRAUD AND SCAMS. SO I USUALLY HAVE A PRESENTATION, BUT BETWEEN ALL THE RULES HERE AND ALL THE RULES WITH JP MORGAN CHASE, I COULDN'T

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SO, UH, DIFFERENT THINGS THAT, UH, ARE REALLY, REALLY IMPORTANT.

AND THE THINGS THAT I'VE SEEN.

SO HAVING BEEN IN THIS BUSINESS FOR THE LAST 34 YEARS, YOU KNOW, THESE SCAMS AND FRAUDS HAVE GOTTEN REALLY, REALLY AGGRESSIVE.

UH, AND THEY'RE, THEY'RE VERY CLEVER.

UH, AND THEN YOU HAVE THE, THE THING WHERE YOU HAVE IN ARTIFICIAL INTELLIGENCE.

SO AI HAS PLAYED A BIG PART IN THAT AS WELL TOO.

SO, UM, THINGS THAT FIRST COUPLE OF TIPS THAT I GIVE OUT TO ALL ANYONE THAT I SPEAK TO IS, UM, WHEN WE'RE TALKING ABOUT FRAUD OR SCAMS, IS IF YOU DON'T KNOW WHO'S CALLING YOU ON THE PHONE, DON'T PICK IT UP.

YOU DON'T RECOGNIZE THE NUMBER GROUP.

DO NOT PICK IT UP.

AS A MATTER OF FACT, ON YOUR PHONES, YOU CAN ACTUALLY HAVE THAT.

IF IT'S NOT A PHONE NUMBER THAT'S IN YOUR, UH, CONTACT LIST, IT AUTOMATICALLY GOES TO VOICEMAIL.

SO, AND IF IT'S IMPORTANT, 'CAUSE I THINK WE ALL HAVE THAT FEAR, AND I THINK IT AS WE, SINCE WE ARE OLDER, WE WERE RAISED WITH DON'T BE RUDE, DON'T BE THIS, THAT, YOU KNOW, ALL THOSE DIFFERENT RULES AND STUFF LIKE THAT.

SO WE'RE AFRAID, OH, WHAT IF IT'S AN IMPORTANT CALL? IF IT'S AN IMPORTANT CALL, THEY'LL LEAVE A MESSAGE AND YOU CAN ALWAYS CALL BACK.

BUT DON'T PICK UP THAT PHONE.

AND DON'T, UM, IF YOU DO PICK UP THE PHONE AND YOU, THEY ACTUALLY ASK YOU A QUESTION, NEVER SAY THE WORD YES.

SO A LOT OF TIMES THAT ONE WAS A HARD ONE TO GET USED TO , UH, BECAUSE WE'RE LIKE, YES, AUTOMATICALLY COMES OUT, RIGHT? SO IS THIS MARIA? YES.

I'M LIKE, SO I HAD TO TEACH MYSELF AND REALLY TRAIN MYSELF TO THINK ABOUT IT DIFFERENTLY.

AND NOW IT'S, IS THIS MARIA? WHO MAY I ASK THIS COLLEAGUE? HOW CAN WE HELP YOU? WHO IS THIS? AND I'VE HAD TO CHANGE THAT.

AND I HAD TO TEACH MY HUSBAND TOO, SO, UH, AND HE'S, UH, RETIRED FROM THE BANK.

SO IT WAS REALLY, HE'S LIKE, WHAT DO YOU MEAN? I'M LIKE, WE'RE NOT ANSWERING THE PHONE.

WE'RE NOT DOING THIS.

THE SCAMS HAVE JUST GOTTEN REALLY CRAZY.

SO THERE'S DIFFERENT TYPES OF SCAMS. SO IF YOU LOOK AT THE LITTLE HANDOUT THAT I GAVE YOU AND STUFF, UH, THERE ARE COMPONENTS OF A SCAM, RIGHT? SO, UH, WHILE THEY'RE GROWING VARIETY OF SCAMS, FOUR GENERAL TRICKS ARE IN MINI SCAMMERS, TOOL BOXES.

UH, SO FILL IN EXAMPLES AS WE DISCUSSED.

SO ONE IS THEY PRETEND TO CONVINCE YOU THAT THEY ALREADY KNOW YOU AND THAT THERE'S AN EXISTING RELATIONSHIP.

NOW, I DON'T KNOW ABOUT YOU, BUT I CAN'T REMEMBER, AND I'VE ALWAYS HAD THIS PROBLEM SINCE I WAS A LITTLE GIRL.

I CANNOT REMEMBER A NAME, BUT I ALWAYS REMEMBER A FACE, RIGHT? YEAH.

UH, WE WERE ALSO TAUGHT DON'T BE RUDE, YOU KNOW? AND MY BIGGEST FEAR WAS ALWAYS LIKE, OH MY GOSH, I CAN'T REMEMBER THEIR NAME.

HOW RUDE IS THAT? AND STUFF.

SO THESE SCHEMERS WILL TRY TO TELL YOU, UH, OH, AND TALK TO YOU REALLY FRIENDLY.

LIKE THEY KNOW YOU AND YOU'RE WRECKING YOUR BRAIN THINKING, DO KNOW THAT PERSON.

DO I KNOW THAT PERSON? WHERE DO I KNOW THAT PERSON FROM WHERE, YOU KNOW, WE IN A DIFFERENT PLACE WHERE WE NORMALLY SEE EACH OTHER OR ANYTHING LIKE THAT.

SO WE'RE AFRAID TO BE RUDE.

THEY KNOW THAT.

UH, SO THAT'S ONE OF THE THINGS THEY TRY TO MAKE IT SEEM LIKE WE HAVE AN EXISTING RELATIONSHIP.

SO THAT'S ONE.

PRIDE IS NOT A PROBLEM.

UH, THEY OFFER YOU GREAT REWARDS OR SCARE YOU WITH GRAVE CONSEQUENCES.

UH, I CAN GO ON AND ON WITH THE DIFFERENT LISTS AND STUFF THAT I HAVE FOR YOU THIS, UM, BUT, UH, AT THE BANKING CENTERS, WE'RE TRAINED TO LOOK AT DIFFERENT WAYS OF FRAUD SCAM ALL THE TIME.

IT'S CONSTANT TRAINING.

AND AS IT CHANGES AND THE SCAMS GET BETTER AND THE FRAUD GETS BETTER, UH, THE TRAINING GETS BETTER.

UM, AND ONE OF THE THINGS THAT HAPPENS IS WE ARE CREATURES OF RITUALS AND HABITS AND ARE CERTAIN LITTLE ROUTINES, RIGHT? SO WE GET TO KNOW OUR CLIENTS AT BANK AND WE KNOW THAT, YOU KNOW, LET'S SAY MYSELF, MS. MARIA COMES IN ON THE 15TH AND THAT'S WHEN SHE GETS PAID AND SHE TAKES OUT SO MUCH MONEY AND THAT'S HER MONEY FOR THE WEEK OR WHATEVER SHE'S GONNA DO.

WE KNOW THAT WE CAN LOOK AT YOUR TRANSACTIONS AND STUFF LIKE, AND, UH, THE TRANSACTIONS ON YOUR ACCOUNT, AND WE KNOW WHAT YOU NORMALLY DO.

SO ANYTHING THAT COMES, STICKS OUT, LIKE, OH, YOU USUALLY GET A HUNDRED DOLLARS AND THAT LASTS YOU FOR THE WEEK, AND NOW ALL OF A SUDDEN YOU'RE ASKING FOR A THOUSAND.

UH, SO IF, UH, IF A TELLER, UH, AT THE WINDOW GOES, YOU KNOW, HEY, THAT'S A LITTLE ODD.

WHAT ARE YOU GOING, YOU KNOW, YOU GOING TO VEGAS THIS WEEKEND? ARE YOU DOING THIS? AND STUFF LIKE THAT.

IT'S SMALL TALK TO SEE IF THE CUSTOMER WILL TELL US, UM, YOU KNOW, WHAT THEIR PLANS ARE IF THEY GET NERVOUS, IF THEY GET APPREHENSIVE, ESPECIALLY WHEN A LOT OF CLIENTS LIKE TO GO TO THE SAME TELLER EVERY, EVERY TIME, AND ALL OF A SUDDEN THEY'RE ACTING DIFFERENT.

WE READ BODY LANGUAGE, ALL THOSE KIND OF THINGS.

THAT'S A SIGN, THAT'S A SIGNAL.

UH, AND A LOT OF TIMES THINGS LIKE THAT WILL HAPPEN.

UH, I'LL GIVE YOU AN EXAMPLE WHERE I HAD A CLIENT, UH, THE LAST BRANCH THAT I MANAGED, UH, WAS IN MESQUITE AND, UH, AUGUST THOMASON AND TONY'S AND I HAD A CLIENT THAT CAME IN.

[00:15:01]

SHE WAS VERY NERVOUS THAT DAY.

SHE WASN'T AS FRIENDLY AS US AS AS USUAL.

UH, AND SHE WANTED A LARGE AMOUNT OF MONEY IN CASH RIGHT AWAY.

AND SHE WANTED $5,000.

AND I'M LIKE, WOW, THAT'S REALLY BEEN STRANGE WHERE MY TELLS ALERTED ME, YOU KNOW, WILL YOU TALK TO HER? SHE'S KIND OF BEING REALLY HESITANT TO GIVE US ANY INFORMATION.

SO WE TALKED TO HER, OR I TALKED TO HER, I BROUGHT HER IN MY OFFICE AND I GO, YOU KNOW, WHAT'S GOING ON? YOU KNOW WHAT, YOU KNOW, THAT'S A LARGE AMOUNT OF MONEY IN CASH.

IT'S NOT VERY SAFE.

YOU KNOW, YOU HAVE YOUR CHECKBOOK, YOU HAVE YOUR DEBIT CARD.

WHAT ARE YOU NEEDING THAT MONEY FOR? AND SHE'S LIKE, WELL, I'M A LITTLE EMBARRASSED, BUT MY, MY GRANDSON'S IN JAIL.

MM-HMM .

AND I'M LIKE, OH, OKAY.

WELL, I'M SORRY TO HEAR THAT.

OH, HOW DO YOU KNOW YOUR GRANDSON? WHY WOULD YOU NEED $5,000 CASH FOR YOUR GRANDSON IN JAIL? WELL, THEY'RE ASKING ME TO GIVE HIM TO, HE'S IN BAIL.

HE NEEDS MONEY FOR BAIL OR WHATEVER.

AND I GO, OKAY.

AND I GO, SO DID YOU TALK TO YOUR GRANDSON? AND I'M LIKE, WERE YOU HIS ONE PHONE CALL OR WHATEVER? AND SHE'S LIKE, NO, THEY CALLED ME FROM THE POLICE DEPARTMENT.

I'M LIKE, NO.

SO I GO, OKAY.

SO I GO, YOU KNOW, THIS DOESN'T SOUND RIGHT TO ME.

UH, WHY DON'T WE, DO YOU HAVE YOUR PHONE? CAN WE CALL YOUR GRANDSON? AND SHE'S LIKE, WELL, I GUESS.

AND I GO, WELL, LET'S CALL HIM.

AND SURE ENOUGH, HE WAS THERE AND HE ANSWERED THE PHONE.

NO, GRANDMA, YOU KNOW, NO ONE DON'T DO THAT.

WHAT ARE YOU DOING? YOU KNOW, AND STUFF.

AND SHE'S LIKE, OH MY GOSH, I'M SO EMBARRASSED.

I GO, DO NOT BE EMBARRASSED.

THESE PEOPLE ARE GOOD.

AND THEY'RE PLAYING ON OUR, YOU KNOW, ON OUR EMOTIONS.

WE DON'T WANT OUR GRANDSON TO BE IN TROUBLE.

WE DON'T WANT OUR SON TO BE, OR A FRIEND OR WHATEVER AND STUFF.

SO WE'RE GONNA REACT.

AND THEY ARE COUNTING ON US TO REACT AND REACT QUICKLY.

SO THERE IS A SENSE OF URGENCY IN THEIR LANGUAGE WHEN THEY'RE TALKING TO US, UH, OVER THE PHONE OR WHATEVER.

AND IF YOU WERE TO, THAT'S HOW I ALWAYS TELL MY CLIENTS, IF THEY STOP, BREATHE AND WAIT TILL YOU RESPOND, IF HE'S ALREADY IN JAIL, HE, HE'S NOT GONNA GO ANYWHERE, RIGHT? SO YOU HAVE TIME TO GET HIM OUT OR WHATEVER YOU NEED TO DO.

SO STOP, THINK, BREATHE.

AND THEN WHEN WE REALLY THINK ABOUT IT, WE'RE LIKE, WELL, THAT JUST DIDN'T MAKE ANY SENSE.

AND WE KNOW THAT WE KNOW BETTER.

UM, THE OTHER ONE IS A PAYMENT.

INSTRUCT VICTIMS TO SEND MONEY IN A VERY SPECIFIC WAY.

UH, THEY'RE VERY CLEVER.

UH, THEY WANT TO MAKE SURE THAT YOU SEND MONEY.

I'VE HAD A CLIENT THAT WAS SENDING MONEY, WAS, UH, HER HUSBAND HAD RECENTLY PASSED AWAY.

SHE HAD CERTAIN AMOUNT OF MONEY THAT, UH, WAS GIVEN TO HER.

AND THEN THERE WAS A SCAM WHERE THIS GENTLEMAN OVERSEAS WAS, UH, SCAMMING HER, IT'S CALLED A ROMANTIC, UH, SCENARIO, WAS SKIMMING HER FOR MONEY AND STUFF.

AND HE GOT, UH, ALMOST $60,000.

WOW.

MM-HMM .

AND WE ALL TALKED TO HER.

I HAD SECURITY FROM THE MAIN CORPORATE OFFICE COME AND TALK TO HER.

AND NO, SHE JUST WOULDN'T, SHE COULDN'T SEE IT.

AND, AND WE TRY TO EXPLAIN THAT ONCE THE MONEY IS GONE, WE CAN'T HELP YOU.

IT'S GONE.

YOU SENT IT OUT, NOTHING, NOTHING, NOTHING.

AND THEN, I MEAN, SHE LOST ALL OF HER MONEY, OH MY GOD.

OVER SOMETHING LIKE THAT.

AND WE KNEW IT.

I MEAN, WE ALL KNEW IT.

WE, I TRIED EVERYBODY, EVERYBODY COME AND TALK TO HER.

WHOEVER NEEDS TO BE.

WE HAD THE POLICE IN MESQUITE COME AND TALK TO HER.

NO.

SO PRESSURE, UH, A LOT OF TIMES THE OTHER TACTIC IS OFTEN JUST INSIST THAT IT'S AN URGENT MATTER.

AND AGAIN, THEY, THEY'RE PLAYING ON OUR EMOTIONS, MAKING US, UH, ANXIOUS, UH, THEIR TONE IN THEIR VOICE AND THINGS LIKE THAT.

SO WE HAVE TO MAKE SURE THAT WE'RE BEING REALLY, REALLY CAREFUL.

UH, AND DON'T LET THAT HAPPEN.

YOU KNOW, TAKE A MINUTE TO BREATHE AND STUFF, UH, DIFFERENT THINGS THAT HAVE HAP THAT HAVE HAPPENED, UH, JUST IN LIEU OF TIME.

THIS IS A GREAT HANDOUT.

THIS HANDOUT, UH, GIVES YOU DIFFERENT SCENARIOS AND STUFF AND THINGS TO ACTUALLY REALLY THINK ABOUT.

UM, I'LL LEAVE YOU WITH, UH, THE LAST THING IS, UM, IRS IS NEVER GONNA CALL YOU , THE BIGGEST KNOCK ON YOUR DOOR, MUCH LESS THEY'RE GONNA NOW START CALLING YOU.

THEY'RE NOT.

AS A MATTER OF FACT, I WAS AT A SEMINAR WITH, UH, SOMEBODY FROM THE IRS.

OKAY, YOU, I GOTTA ASK THIS BECAUSE THIS IS THE ONE.

AND THEY'RE LIKE, NO, WE'RE NEVER GONNA CALL.

AS A MATTER OF FACT, IF THEY ARE GONNA CALL, MOVE THAT MIC UP.

WHAT THEY NORMALLY DO, IF THEY ARE GONNA CALL, MOVE YOUR MIC UP, WHAT THEY NORMALLY DO, IF THEY, IF THEY ARE GONNA CALL YOU FOR WHATEVER REASON, THEY WILL SEND YOU A REGISTERED LETTER WITH THE PHONE NUMBER THAT'S GONNA BE CALLING YOU AND THE TIME.

AND YOU BETTER BE THERE WHEN THEY CALL , BECAUSE THEY WILL CALL.

BUT IT'S THAT WAY.

SO THE IRS IS NEVER GONNA CALL YOU.

UH, THE OTHER THING IS, UH, YOUR BANK, THEY WILL CALL YOU,

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YOU GAVE US THAT INFORMATION WHEN YOU CAME AND OPENED UP THE ACCOUNT.

WE HAVE ALL THAT INFORMATION.

WHY WOULD WE NEED IT? AND WHEN, LIKE I SAID, WHEN WE STOP, THEY BREATHE AND, AND LIKE, OKAY, WAIT A MINUTE.

DOES THIS MAKE SENSE? IS THIS, DOES THIS REALLY MAKE SENSE? WHY WOULD THEY WANT THIS? YEAH.

AND WHEN YOU DO THAT AND YOU ASK YOURSELF THOSE QUESTIONS, UH, ONE YOU SAVE A LITTLE BIT OF TIME CAN SAVE A LOT OF MONEY.

UH, AND THEN YOU WON'T BE SCANNED BECAUSE IT'S A, IT'S A BAD FEELING, YOU KNOW? THEN YOU FEEL EMBARRASSED AND ASHAMED AND THEN NOBODY WANTS TO TALK ABOUT 'EM.

THE CUSTOMER THAT THAT'S HAPPENED TO WON'T COME INTO THE BANK.

ALL OF A SUDDEN THEY JUST CHANGE THEIR HABITS COMPLETELY BECAUSE THEY'RE EMBARRASSED.

WE'RE HERE TO HELP.

UH, AND ALL YOUR BANK SHOULD BE THERE TO HELP.

LAST THING, YOU SHOULD KNOW SOMEBODY AT YOUR BANK.

YOU SHOULD KNOW A BANKER, WHETHER THEY REMEMBER YOU OR NOT.

IF ANYTHING WERE TO EVER HAPPEN, I WANT A HOMEWORK THAT I ALWAYS ASSIGN IN ANY CLASS THAT ID LIKE.

THIS IS, YOU SHOULD GO INTO YOUR BRANCH, YOUR BANKING CENTER, WHICHEVER BANKING CENTER YOU WANT, AND PHYSICALLY GET SOMEBODY'S BUSINESS CARD.

THEY MIGHT NOT REMEMBER YOU, BUT NOW YOU HAVE THEIR BUSINESS CARD AND THE PHONE NUMBER TO THEIR BANKING CENTER.

SO YOU KNOW, IF ANYTHING WERE TO HAPPEN, YOU HAVE THAT CARD, YOU HAVE THAT NUMBER, YOU KNOW THAT WHEN YOU'RE CALLING THAT NUMBER, YOU'RE ACTUALLY REACHING THE BANK.

AND THEN IF ALL ELSE FAILS, IF YOU DON'T HAVE ANYTHING LIKE THAT, YOUR DEBIT CARD FOR WHATEVER BANK YOU BANK AT, THE NUMBER THAT'S ON THE BACK IS THE CUSTOMER SERVICE NUMBER.

CALL THAT.

AND IF YOUR BANK CALLS YOU, THAT'S GREAT.

THANK YOU FOR THE INFORMATION AND STUFF LIKE THAT.

HANG UP AND THEN CALL THE NUMBER THAT YOU HAVE AND THAT'LL SEND.

THAT'S ALL I HAVE FOR TODAY.

THANK YOU.

QUESTIONS.

YEAH.

YES.

THE, THE BIG ISSUE I SEE IS, I CALL IT LOVE BOMBING, BUT YOU GOT THE NIECE, THE NEPHEW, THE FAMILY MEMBER THAT ALL OF A SUDDEN, YOU KNOW, WANTS TO COME IN AND BE YOUR BEST FRIEND.

MM-HMM .

THEY WANT TO TAKE OVER YOUR BANK ACCOUNT.

HOW DO YOU PROTECT 'EM FROM GETTING INTO YOUR BANK ACCOUNT? WE NOTICE THOSE KIND OF THINGS YOU DO.

UM, AND SO WE HAVE TRAINING ON IT, UH, FOR OUR BANKERS AND STUFF LIKE THAT.

IF ALL OF A SUDDEN, LIKE I SAID, I, I KNOW MY CUSTOMERS MM-HMM .

UH, AND WE'RE TRAINED TO KNOW OUR CUSTOMERS.

AND THAT'S WHY WE'RE EVEN CALLED, WE'RE NOT EVEN CALLED PERSONAL BANKERS.

WE'RE CALLED RELATIONSHIP BANKERS.

'CAUSE IT'S BASED ON THE RELATIONSHIP THAT YOU HAVE WITH THAT CLIENT, RIGHT? YEAH.

SO WE TRY TO GET TO KNOW THAT CLIENT.

WE PUT NOTES IN THE SYSTEM AND STUFF LIKE THAT.

WE PUT ALL KINDS OF NOTES THAT SAY THINGS THAT WILL REMIND US, THIS PERSON HAS A SON OR A DAUGHTER AND BLAH, BLAH, BLAH, WHATEVER IT IS, THAT'LL HELP AND TRIGGER OUR MEMORIES, RIGHT? THEN THE NEXT THING IS, IF ALL OF A SUDDEN SOMEONE NEW COMES IN AND THEY'RE BEING VERY INQUISITIVE ABOUT YOUR INFORMATION, UH, WHILE YOU'RE THERE AND ALL OF A SUDDEN YOU'RE NOT ALLOWED TO TALK AND THAT OTHER PERSON IS DOING ALL YOUR TALKING AND STUFF LIKE THAT, WE'LL, KINDLY EXCUSE, ASK THAT PERSON TO LEAVE SO WE CAN TALK ONE-ON-ONE WITH YOU.

WHAT'S GOING ON? THIS IS REALLY DIFFERENT WHERE I'VE NEVER HEARD YOU SPEAK OF THIS NIECE OR NEPHEW OR WHATEVER AND STUFF LIKE THAT.

HOW COME YOU'RE SO INTERESTED IN THIS? YOU HAVE YOUR, YOU KNOW, YOU HAVE AS YOUR BENEFICIARY OR WHOEVER ON YOUR ACCOUNT IS THIS PERSON.

WHY IS THIS PERSON NOW WITH YOU? AND THEY'RE LIKE, AT FIRST THEY'RE LIKE, WELL, WELL, YOU KNOW, THEY'RE, THEY'RE JUST SPENDING TIME WITH ME AND STUFF LIKE THAT.

AND I GO, REALLY? I GO, WHY ALL OF A SUDDEN? AND THAT KIND OF THING.

AND THEN WE DO HAVE A DEPARTMENT, UH, THAT WE CALL, AND IT'S WITH THE, TO HELP PREVENT ANY KIND OF ELDER ABUSE.

I HAVEN'T BEEN TO MY BRANCH IN PROBABLY FIVE YEARS MM-HMM .

I, I KNOW WHERE IT IS AND ALL THAT STUFF, BUT ALL MY BANKING IS DONE ONLINE AND I DON'T HAVE A PROBLEM.

I HAVE A LITTLE, MY PRO WIFE HAS A TENDENCY TO BE TOO, UH, NICE.

SO YEAH, I WAS JUST, AND OTHER, IN OUR COMMUNITY, OUR IMMEDIATE COMMUNITY, PROBABLY 50, UH, WELL, 60% OF 'EM ARE 80 OR BETTER.

SO I WATCH WHAT'S GOES ON IN THEIR NEW CARS AND EVERYTHING AND NEW PEOPLE SHOWING UP.

BUT YOU ALSO HAVE PROBLEM WITH NEIGHBORS TOO, GETTING TOO CLOSE.

RIGHT.

SO THERE'S, UH, IF, IF SOMEBODY, IF A TRANSACTION, I'M, I GUESS I'M JUST TRYING TO, AND I HAVE, I'M A TECHNOLOGY GUY.

MM-HMM .

YOU KNOW, HOW WOULD YOU KNOW IF SOMETHING WAS COMING THROUGH? 'CAUSE IF I GOT YOUR DEBIT CARD AND I CALL UP AND, OR I RUN IT THROUGH THE, UH, YOUR DEBIT CARD'S BEING WATCHED, ALL THE TRANSACTIONS THAT YOU DO OR A CREDIT CARD OUT OF.

YEAH.

ORDINARY OUT OF YOUR NORMAL THING, YOUR BANK WILL CALL YOU.

YEAH.

A LOT OF PEOPLE, THEY'RE LIKE, WELL, IT'S ONLY YOUR BUSINESS WHAT I'M DOING.

SO THEY, WELL, YEAH.

IT KIND OF IS.

THIS IS VERY OUT OF THE ORDINARY FOR YOU.

UH, YOU KNOW, WE'RE JUST CALLING TO MAKE SURE THAT WE'RE PROTECTING YOU.

AND THEN PEOPLE ARE, OH, OKAY.

I GET IT.

NOW.

UH, I, I'VE WORKED FOR THE BANK FOREVER, RIGHT? AND I WAS AT MCDONALD'S TRYING TO GET SOME LUNCH,

[00:25:01]

AND I'M THINKING, WHAT'S FIRST CALLING? IF MY CARD GETS DECLINED, I GET FIRED, UH, IF I DON'T HAVE THE MONEY IN THE ACCOUNT AND STUFF LIKE THAT.

RIGHT.

SO I WAS LIKE, WHAT? AND SOMEBODY WAS USING MY CARD.

I'M IN MESQUITE AND THEY'RE IN NEW YORK.

YEAH.

TWO PEOPLE WERE TRYING TO USE MY CARD AT THE SAME TIME MYSELF.

AND I GO, OKAY, THIS IS WHO I AM.

THIS IS MY STANDARD ID, I'M, I'M A BANK EMPLOYEE, PLEASE LET ME GET LUNCH 'CAUSE I DON'T HAVE ANY OTHER MONEY IN HERE.

AND THEN CANCEL MY CARD AND I'LL GO RIGHT BACK TO THE BANK.

SO A LOT OF TIMES WE'LL FIND IT BEFORE YOU EVER FIND IT.

YEAH.

WELL, I, YEAH.

'CAUSE SO THEY, THEY'LL, THEY'LL STOP A TRANSACTION.

MM-HMM .

YES.

I HAVE A PROBLEM WITH PEOPLE USING THEIR DEBIT CARD INSTEAD OF THEIR PREFERRED CARD, CREDIT CARD.

MM-HMM .

BECAUSE ONCE YOU USE THAT DEBIT CARD, IT'S GONE WELL, YES.

NO, BUT 90% OF THE TIME IT'S GONE.

YEAH.

AND IF IT'S GONE, SAID, OF COURSE IF YOU DO A FRAUD ALERT MM-HMM .

THAT'S DIFFERENT RIGHT.

THAN THE BANK GETS INVOLVED.

THERE ARE REGULATIONS THAT WE HAVE.

UH, SO YOU HAVE 90 DAYS TO FILE A CLAIM IF SOMETHING HAS BEEN TAKING OFF YOUR ACCOUNT FOR FRAUD.

UH, OR ACTUALLY WHEN YOU GET THE NEXT STATEMENT AND YOU REVIEW YOUR STATEMENT, UM, OR YOU COULD LOOK AT IT ONLINE ALL DAY LONG.

I LOOK AT IT EVERY DAY.

YEAH.

EVERY DAY.

.

AND THERE'S A LOT OF PEOPLE THAT DO IT NOW THAT YOU HAVE ACCESS TO IT.

I'M LIKE A STATEMENT.

THAT'S WHY I ALWAYS TELL PEOPLE, I'M LIKE, WHY DO YOU NEED A STATEMENT? THAT'S JUST PAPER.

THAT'S, I DON'T, I DON'T YOUR ACCOUNT NUMBER.

I LOOK AT EVERYTHING ONLINE SO I CAN LOOK AT MY ACCOUNT ALL DAY LONG, EVERY DAY, TELL MY WIFE THAT .

AND SO, UM, WHAT WE ACTUALLY DO TELL PEOPLE ON THAT IS THAT YOU ARE LIABLE FOR THE FIRST, IT'S, IT'S BECAUSE IT'S THE VISA SYMBOL THAT'S ON THE CARD OR THE MASTERCARD SYMBOL.

YOU'RE, YOU ARE LIABLE WHETHER IT'S YOUR CREDIT CARD OR IT'S A, IT'S WHATEVER OR THE DEBIT CARD.

YOU ARE LIABLE FOR THE FIRST CERTAIN AMOUNT OF THE MONEY ON THERE.

USUALLY I THINK IT'S LIKE $50.

DON'T QUOTE ME ON THAT BECAUSE I DON'T KNOW.

AND I HAVEN'T BEEN IN THE BRANCHES IN FOUR YEARS.

SO, UM, BUT IT'S REG, IT IS A REGULAR, UH, REGULATION AND YOU CAN DISPUTE ANY ITEM ON YOUR ACCOUNT.

SO, AND WHEN YOUR MONEY, BUT WHEN YOUR CARD IS THEN STOPPED, UHHUH , IT'S A WEEK BEFORE YOU GOT ANOTHER ONE.

WHICH KIND OF LIMITS YOUR ABILITY TO GO GET .

ACTUALLY IT'S A LOT FASTER NOW.

A LOT FASTER.

NOT LAST WEEK.

IT WASN'T REALLY, YEAH.

OH, IT WAS A WEEK.

YEAH.

REALLY? BECAUSE IT HAD BEEN COMPROMISED.

YEAH.

I USED IT AT A PARKING AND YOU PARKING KIOSK ON PHONE.

THEY COULD HAVE DROPPED THE CARD ON YOUR APPLE PAY.

I DON'T HAVE A APPLE PAY.

YOU DON'T HAVE THAT COMING OUT.

OKAY.

NO.

THERE ARE CERTAIN THINGS AND THEY CAN RUSH THEM IF YOU ASK FOR THEM TO.

YES.

OKAY.

ABOUT TWO YEARS AGO I GOT A IMPROVED LOAN IN MY HOUSE.

MM-HMM .

AND LIKE A WEEK, WEEK LATER, I WAS CLEANING UP.

I HAD PEOPLE CHARGE ME BANK, OFER, BANK OF AMERICA.

UH, I GOT WOODFORD BANK AT CHASE BANK.

ANYWAY, THEY WERE TAKING MONEY OUT MY, OUT MY, UH, DEBIT CARDS, CARS THAT I HAD.

DICK, THEY CLIMBED ABOUT TWO TO THREE YEARS AGO.

I GOT MY MONEY BACK.

I MEAN, THEY STOPPED IT, BUT THEY WERE MAKE ME PURCHASE OR PAYING THE CREDIT CARDS OFF.

UM, A LOT OF TIMES WHAT'LL HAPPEN IF IT, IT'S A DEBIT CARD.

IT'S CALLED, WE CALL IT A LOTTERY.

YEAH.

AND IT'S NOT NECESSARILY UNLESS SOMEONE TOOK YOUR CAR YEAH.

AND IS USING YOUR CARD OR YOUR INFORMATION AND STUFF.

AND THEN IT'S PERSONAL AND SOMEONE THAT, YOU KNOW, DID THAT.

OTHERWISE, IT'S CALLED THE LOTTERY.

AND THEY PLAY NUMBERS UNTIL THEY GET A WHOLE NUMBER THAT HITS .

AND THEN ONCE THE WHOLE NUMBER HITS, IT'S LIKE, BOOM, HERE WE GO.

THEY'LL TRY LIKE A COUPLE OF LITTLE ITEMS THAT ARE SMALL THAT YOU WON'T REALLY PAY ATTENTION TO.

'CAUSE WE'RE ALL, WE'RE TRAINED TO LOOK AT BIG AMOUNTS.

YEAH.

AND NOW WE'RE ALL TRAINED TO LOOK AT SMALL AMOUNTS BECAUSE THAT'S THE TEST TO SEE.

THEY, THEY WERE GETTING QUITE A BIT OF MONEY AND THEN THEY GO AFTER THE BIG MONEY.

BUT YEAH.

BUT IT IS A PAIN IN THE BACKSIDE.

UH, IT'S WORK.

YOU GOTTA GO INTO THE BANKING CENTERS, STUFF LIKE THAT.

BUT I MEAN, MONEY, I DO WHATEVER I NEED TO DO TO GET MY MONEY BACK.

WELL, MY BACKGROUND, I MEAN, THEY, ME A PERSON, I MEAN, THEY TOOK CARE OF IT.

THEY, THEY COVER MY OTHER REGULAR CHECKS AND EVERYTHING, BUT I GOT, I GOT MY MONEY BACK, YOU KNOW, SEE YEAH.

MY DEBIT CARD IN MY BANK.

I I GET IT, I GET IT.

THE NEXT DAY THEY, THEY GIVE ME ONE AND THE NEXT DAY I, I I VALIDATED AT, AT THE, UH, UH, UH, A MACHINE.

AND IT WORKS.

YOU KNOW, MY BROTHER, HE GOT SHAPED.

HE HAD TO, HE HAD TO WAIT THAT WEEK TOO.

YEAH.

A LOT OF TIMES NOW WE'RE NOT DOING THEM LIKE THAT WHERE WE USED TO, I MEAN, I HAD A BRANCH WHERE I MADE DEBIT CARDS AND THEN WE REALIZED THAT PEOPLE WERE COMING IN EVERY DAY.

UH, AND GET A CARD.

I'M LIKE, MAN, YOU USE IT ON THE WAY OUT THE DOOR.

UH, SO BECAUSE OF THE STUFF THAT THEY'RE DOING WITH THE CHIPS AND STUFF LIKE THAT, WHICH IS AN ADDED EXTRA SECURITY FOR YOURSELVES.

IT, IT DOES TAKE A LITTLE BIT LONGER.

WE'RE NO LONGER MAKING THEM

[00:30:01]

IT WAS AWESOME WHEN WE WERE, AND AT THE SAME TIME, IT WASN'T AWESOME BECAUSE AGAIN, FRAUD HAPPENS.

PEOPLE WERE COMING IN, THEY DIDN'T, NOW THEY LOSE A CARD.

I HAVE A NINE, I MEAN, I HAVE A 14-YEAR-OLD GREAT NEPHEW THAT HAD A DEBIT CARD ON AN ACCOUNT THAT HE HAD SINCE HE WAS NINE.

HE NEVER LOST HIS CARD.

AND YET 20 YEAR OLDS WERE LOSING THEM EVERY DAY.

, YOU KNOW.

SO, ANY OTHER QUESTIONS? THOSE ARE GREAT QUESTIONS BY THE WAY.

YEAH.

THANK YOU SO MUCH.

YOU'RE WELCOME.

FOR YOUR TIME AND FOR YOUR PRESENTATION.

THANK YOU.

OKAY.

IN THE CITY PRESS, WE HAVE A MAY 19TH DEADLINE FOR THE NEXT SENIORS IN THE KNOW ARTICLE.

SO IF ANYBODY HAS ANYTHING THEY WANT TO CONTRIBUTE TO THAT, PLEASE LET CAROL KNOW.

OR IN LIEU OF CAROL, LET ANN KNOW.

HUH? , I WAS LOOKING TO SEE IF YOU WERE WATCHING OR LISTENING.

UHHUH.

.

AND CAROL SAYS SHE'S GOTTA WRITE ABOUT TRANSPORTATION FOR SENIORS IN GARLAND.

ALSO, SOMETHING I DID NOT DO, THERE IS A CANDIDATE FORUM FOR THOSE RUNNING FOR MAYOR.

AND THE MAYORAL ELECTIONS ARE IN MAY NEXT MONTH.

AND THE FORUM WILL BE AT THE NORTH GARLAND BRANCH LIBRARY SATURDAY, APRIL THE FIFTH, WHICH IS THIS COMING SATURDAY AT 11:00 AM SO ALL OF THE CANDIDATES ARE SUPPOSED TO BE THERE.

SAY THE DATE AGAIN.

SATURDAY.

UHHUH THE FIFTH.

TOOK CARE OF THAT.

DID IT? .

ALL RIGHT.

UM, THE SENIOR CENTER REPORTS, ALISA'S NOT HERE.

NOT YET.

SHE'S ON HER WAY.

OKAY.

YEAH.

MORNING EVERYBODY.

GOOD MORNING.

MORNING.

MORNING.

SO I PASSED OUT THE PACKET FOR ALL OF YOU.

UM, IT SHOWS THE UPCOMING EVENTS FOR APRIL.

AND UM, THEN MY LITTLE INFORMATION ABOUT OUR MONTHLY TRIPS AND OUR EXTENDED TRIPS.

UM, WE STILL HAVE ROOM FOR VIRGINIA BEACH AND BRANSON.

YOU GO IN THEN.

UM, UH, WE ARE SCHEDULED FOR GRUB CLUB IN APRIL.

UM, WE'RE GOING TO THE ENNIS BLUE BONNETS ON THE 17TH.

UM, ON ONE PREVIOUS GRUB CLUB, WE HAD PEOPLE WHO ESCAPED THE RESTAURANT AND WENT NEXT DOOR TO A THRIFT STORE, .

AND WE HAD TO FIND THEM.

AND ONCE WE TRACKED THEM DOWN, THEY ASKED US FOR A DAY TO JUST GO DO SOME THRIFT STORE SHOPPING.

SO WE PUT THAT ON THE TRIP.

UM, WE HAVE A TRIP IN JUNE FOR WINDSTAR AND CHOCTAW IN OCTOBER.

UM, CENTER PROGRAMS FOR THIS MONTH.

WE HAD THE DALLAS COUNTY PROSECUTOR.

HER NAME WAS ALICIA PATTERSON.

SHE CAME IN ON TUESDAY, APRIL FOOL'S DAY AND DID A PRESENTATION ABOUT FRAUD AND SCAMS, UM, TARGETING OLDER ADULTS.

AND, UM, THAT WENT REALLY WELL.

I DON'T THINK AS MARIA, SHE IS, SHE'S BEEN AT OUR CENTER SEVERAL TIMES.

AND, UM, THEY ALL LOVE HER PRESENTATIONS.

AND PERSONALLY I DON'T THINK WE CAN PRESENT THAT ENOUGH.

UM, BECAUSE JUST WORKING WITH OLDER ADULTS ON A DAY-TO-DAY BASIS, UM, WE HAVE MANY OF THEM WHO ARE VERY GULLIBLE AND THEY JUST WANT TO BE HELPFUL.

AND, UM, IT REALLY MAKES ME ANGRY FOR PEOPLE TO TAKE ADVANTAGE OF THEM.

SO WE WILL DO WHATEVER WE CAN TO GET THE WORD OUT AND TO HELP THEM BE, FOR IT TO BECOME MORE COMMON FOR THEM TO STOP AND SAY, HMM, MAYBE I SHOULDN'T BE TALKING TO YOU, OR JUST HANG UP OR NOT ANSWER THE PHONE.

THAT'S WHY I TELL MY MOM, DON'T ANSWER THE PHONE.

YOU DON'T KNOW THEM.

WON'T HURT THEM.

UM, I'M, ASK A QUESTION ALONG THAT LINE.

MM-HMM .

YOU WATCH WHEN SENIORS ARE COMING INTO THE CENTER THAT ALL OF A SUDDEN A YOUNGER PERSON IS ACCOMPANY 'EM, ACCOMPANYING THEM MORE.

UM, WE ARE VERY WELL VERSED WITH OUR MEMBERS.

OKAY.

SO IF WE SEE ANYTHING THAT WE DON'T LIKE, WE ASK QUESTIONS.

OKAY.

UM, AND I THINK MARIA WAS SPOT ON BECAUSE SHE, SHE SAID WE EXCUSED THAT OTHER PERSON.

UHHUH , AND THEN WE SPEAK ONE-ON-ONE.

YEP.

WE DON'T EMBARRASS ANYONE.

WE DON'T WANT TO STEAL ANYONE'S DIGNITY.

BUT, UM, WE WILL GET THEM ASIDE AND ASK QUESTIONS IF, EVEN IF THEY'RE NOT BEHAVING LIKE THEY NORMALLY DO.

UM, IF, IF WE THINK THEY MIGHT BE HAVING SOME KIND OF COGNITIVE ISSUES, UM, WE START ASKING QUESTIONS.

SO WE'RE, WE KNOW THEM PRETTY WELL, MOST OF THEM.

AND IF THEY'RE NOT ACTING

[00:35:01]

YEP.

I MEAN, LOOK AT THE NUMBER OF MURDERS.

IT'S A FAMILY MEMBER THAT MURDERED ANOTHER FAMILY MEMBER, OR THEY'RE PLAYING SOCCER TOGETHER, THEY PLAY WHATEVER.

I MEAN, THEY'RE KILLING EACH OTHER.

SO, UH, THAT'S WHY I JUST, YEAH.

SO WE, YOU YEAH, WE DO WATCH OUT FOR THEM.

YEAH, WE DO ASK QUESTIONS.

WE'RE, THANK YOU.

I'M NOT AFRAID TO ASK QUESTIONS.

YEAH.

THANK YOU.

UM, AND THEN, UM, IF YOU LOOK AT THE REST OF THE PACKET, THIS IS OUR SENIORS WORKING OUT.

I DON'T KNOW IF YOU'VE BEEN TO THE FIELDS RECREATION CENTER WHERE WE ARE, BUT UM, IN THE MORNINGS WE OPEN AT EIGHT AND WE HAVE A LOT OF OUR SENIORS IN THERE AND THEY ARE USING THOSE MACHINES AND THEY ARE WORKING OUT, WHICH IS A REALLY GOOD, UM, THING BECAUSE AS I ALWAYS TELL 'EM, IF YOU DON'T USE IT, YOU'RE GONNA LOSE IT.

AND PEOPLE DON'T UNDERSTAND, YOUNG PEOPLE ESPECIALLY DON'T UNDERSTAND AS YOU AGE, YOU JUST START NOT BEING ABLE TO DO THINGS.

IT JUST KIND OF ONE DAY YOU WAKE UP AND LIKE, OH, I CAN'T RUN ACROSS THE FLOOR ANYMORE, OR I CAN'T GET UP OFF THE FLOOR.

SO, UM, THESE ARE ALL, HOPEFULLY THEY, THEY WILL START TO TAKE MORE ADVANTAGE OF USING THE EQUIPMENT OR JOINING OUR FITNESS CLASSES.

YEAH.

I WANNA POINT OUT ON THE PAGE OF THE PICTURES, THE TOP LEFT ONE IS JOSE AND HE'S A GOOD FRIEND OF MINE NOW 'CAUSE I'M BEFRIENDED HIM, I DON'T KNOW, THREE, FOUR YEARS AGO.

AND HE IS WHEELCHAIR BOUND AND HE IS SO EXCITED NOW AND INTERESTED AND WE HAVE A HARD TIME TALKING 'CAUSE HE'S SPANISH AND I'M, I SPEAK ENGLISH, BUT I TOOK SPANISH SO I KIND OF STUMBLE OVER WORDS AND HE HELPS ME AND I HELP HIM.

BUT HE GETS OUT OF HIS WHEELCHAIR BY HIMSELF NOW AND HE TRANSFERS TO ONE OF THESE MACHINES AND HE'S THERE MOVING HIS LEGS.

SO I'M REAL PROUD OF HIM.

AND THEN HE GETS HIMSELF BACK INTO HIS WHEELCHAIR.

'CAUSE HE IS IN HIS WHEELCHAIR PROBABLY 95% OF THE TIME.

AND HE COMES IN ON THE BUS.

SO HE'S, HE'S A REALLY INTERESTING LITTLE FELLOW, BUT I DON'T GET TO TALK TO HIM VERY MUCH 'CAUSE IT DOESN'T GET DEEP.

IT'S JUST FUN STUFF.

BUT ANYWAY, I JUST HAD TO POINT JOSE OUT.

IT'S NICE TO SEE SOMEBODY WE KNOW .

YEAH.

OH YEAH.

AND I'VE, I'VE, I'VE MET SEVERAL OF THEM.

I MET A 90-YEAR-OLD MAN WHO USED TO MY EARLY MORNING EXERCISE CLASS FROM EIGHT 15 TO 10 15 HE WOULD COME IN AND HE WOULD WALK THE PERIMETER WITH HIS LITTLE WALKER.

AND HE WAS 90 YEARS OLD AND I THOUGHT HE HAD SAID SOMETHING THAT HIS WIFE HAD PASSED AWAY.

BUT THEN I FOUND OUT LATER THAT SHE WAS STILL ALIVE.

BUT I HAVEN'T SEEN, HIS NAME WAS ED.