Billy & Lisa in the Morning

Justin Got Scammed (Incase You Missed It)

We are on vacation, but don't you worry Justin has put together a great show full of some amazing segments we have done! We started the morning by talking about bad singers and chatting about Chris Distefano! We also broke down how Justin got scammed in case you missed that! Listen to Billy & Lisa Weekdays From 6-10AM on Kiss 108 on the iHeartRadio app!

Duration:: 34m
Broadcast on:: 09 Aug 2024
Audio Format:: mp3

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Last week, we had a list from Ranker.com of the best female singers. Well, this week, they have a new list of the musicians who are actually bad singers. And number one, yes, Winnie. I think you were right. Any guesses? J-Lo. Yep. Jennifer Lopez. ♪ Oh, sound of me ♪ ♪ Where you go, boy ♪ ♪ Where you go ♪ Yeah, in case you missed it, Winnie, for the last year or two years, she's been saying that J-Lo was really not a good singer. Well, that's actually a shanty singing right there, that song. So she wrote the song and sang the demo from her. Yeah, don't get her started. What they do is that they take the demo, which she's had done by a shanty, Christina Million, all these other amazing, wonderful singers, and they just blend it with her vocal. And essentially, it's really not her singing. Okay, what about this one? ♪ I'm still a journey from the net ♪ Big hit. I don't know the girl's name. There's also the ghost singer writer she uses. I don't know her name that is, I think, the Jenny the Block Girl. I'm telling this, she uses background singers to mask how bad she is sounds. How is it possible that you don't have a reality show? Because people don't, this is an odd talent no one cares about. Okay, yeah, she has a, she had two weird talents. She knows weird, useless information like that. Yeah. And also what to order at every fast food restaurant. Oh, yeah. Is there a call for either of those things that give me a shot? Not really. As long as it makes you happy. Hi, I'm fine. Exactly. So moving on this list, you know, there's a bunch of rockers on here. Neil Young is number two. Tom Wurst. Yeah, a lot of good singer. Who is Neil Young? Great musician. He's an old-time rocker. Yeah, legendary rocker. You know his name. I mean, no is the sound. Oh, yeah. Yeah, you definitely know some of the sound of the songs. Oh, okay. Tom Wastell's Nash and Young. Yeah, I know Tom Wastes. Tom Wastes number three. Number four, Lisa. Yeah. Paula Abdul. Really? As a terrible singer. I can see that. Okay, she was more of a dancer. Yeah. So, J-Lo. Right. Yeah. Yeah, you can see that. I mean, she was a Laker girl. Yeah. Like, you know, it's cool. Don't figure. So J-Lo was a flag girl. A flag girl. And Paula Abdul was a Laker girl. And both are on the worst voiceless. Moving down the list, Bob Dylan is on the list. Oh, yeah, his voice is going through like a chop. It's a unique sound. It's unique. There's a biopic being filmed right now with Timothy Chalamet. Yes, who looks amazing. And this is going to kill me, too. Coming at number 14 on the list of the top 20 worst singers, Taylor Swift. Oh, is she maybe just like a poet with a guitar who learned how to sing? Well, I did talk to producer Riley before the show, who is a big swifty. And she did say that, yes. That's really never claimed to be a great singer. She's more of a poet. Yep. I love this song, though. I mean, that's pretty good voice, Lisa. I wish I could sing as well as Taylor Swift. Right. I'll give it to her. She probably took voice lessons and learned how to get by. But she's not some powerhouse that came out of her mother's womb, singing like an angel. But she does play the guitar very well. She's a musician that gets high points. Yes. And she produces good music for people. Whatever she isn't, she does better than anyone else on the planet. I'm not knocking her hustle. I think she's a great business woman and a talent, but not necessarily an A plus singer. Yeah. Doesn't have to be coming in at number 20 here is our friend, Winnie. Ah. Oh, I hate that. I just have to say the biggest takeaway for me is that J.Lo is number one on that one. You can never say any new number one. Never again. Yeah. I saw this list and I was like, oh, my God. J.Lo is just getting crushed to this summer. Yeah, it's not her best year. No, it's not. 2024. Oh, my kinder. Yeah, finishing out the list. Ozzy Osbourne at number six. Wow. He's not a singer, OK? He's a screamer. Ozzy a crew member. He's got a, you know, he's got a unique voice, but I guess I could see that. Yeah. Number 18, the legend Mick Jagger. Oh, oh, yeah. Not a good singer? Well, do you have all the rolling sounds in it? I do. Yeah, he kind of talks when he sings. Well, you think about it. He was in the '70s. That's when he was big. Wasn't everyone high? It arrived in the US in 1962. Wasn't everyone just high? Yes, very much so. He's got a hot girlfriend. I'll tell you that. Wish I could have said a lot of them. 16 years younger than him. So, yeah, that's a big list of the musicians who are not good singers. Oh, I love this list. Very good. Right, win? So. It's Kiss 108. And we're back with Billy and Lisa in the morning. Morning, everybody. Justin here. Welcome back to the show. So, Chris, the Stefano is a comedian out of New York. We've actually had him on the show before. Very funny. Has a super successful podcast. And he includes his family in a lot of his episodes. But a recent one has everyone talking. He had his wife on. And she seemed to be just checked out of the marriage. Is there any realm of possibility where you'd let me go to Columbia or Costa Rica or the Dominican Republic with just me and my friends? Just go. Have you noticed that I don't like care anymore? I actually have noticed that. And it's pissing me off. Why didn't she care anymore? That's why you're trying to get a rise out of here. Yeah, you don't care at all anymore. I know. It's kind of boring, right? I know. I used to hide my phone now. She comes over and it's just like girl's ass is clapping on Instagram. And she's like, girl power. Love it. That's what you'll say when she's like, you want something to eat, honey? She just doesn't care. So, are you having an affair? That's the question. No, I don't want to be bothered. You're at that point of the relationship where you just don't even care at all either way. No. In difference. Don't care. That's good. But I love you. No, do you think that's real or not? That's good, though. At least she loves them. Yeah. Oh, I think she's checked out. Yeah, that's same. Well, it's called quiet quitting your marriage. But was it real or do they do it as part of the act? It seemed, no, it seemed pretty real to me. It seemed real to me. Yeah, because she's been on before and they've been very open about everything. And she just sounds like she does not care anymore. Yeah, she's passed it. Yeah, like whatever. Columbia, go ahead. Well, it makes me feel like I'm not kind of to shift blame to Chris. But maybe there were things she was asking for him to adjust and he wasn't doing. And she just got sick of asking. And she's like, you know what? If you don't care, I don't care. Well, that's the thing. I think in relationships, if you do have a nice conversation and you share, like, hey, I'd really like if you would maybe make a dinner reservation once in a while or whatever. And the person doesn't do it after you've told them. Right. That's a red fly. It's exhausting to keep saying, hey, I need this. Hey, can we please do this? Especially when you know it's like nothing crazy. You aren't asking for a million dollars. You're asking, can you put time aside for us? Can you, you know, show up for something? And they're like, oh, yeah, yeah, yeah. And they never do it. Yeah, that's a sign. Yeah, I think it's important too at a point in a relationship to have a talk. You know, just like a casual talk. Yeah. So how about a talk to check in? Yeah, I totally agree. Yeah. Something tells me with her, she probably had many talks with him. And he just wasn't evolving. And you got it. And you can hear it in that clip. Yeah. You know, he's just not getting it. And she would say, I love him. You don't get it, do you? I just don't care. Especially because he said, oh, you used to care. You used to be mad about those things are annoyed. And she's like, yeah, that is what it is. But that's the bottom line. She's being honest. Well, here's the thing. But when do you know if your partner isn't being honest? Right. I guess when he says that, you know, he's watching, you know, booty clapping on Instagram. And she just doesn't care. Yeah. You know, if I pull out my phone and I'm watching twerking videos, yeah, you know, I'm getting a smack on that. Oh, god. Yeah, you know. But yeah, when do you know was the big question? What are the clues? But like Winnie and I were saying, these are simple things. This isn't like saying, I want you to be a millionaire. Right. I know that's never going to happen. Yeah. Wait, when your lover is not listening to you, that's a sign because it means that they do they really care. Right. But I will say in that clip that you played, her saying at the end, I love you. That to me is very important. Yeah. Even if they are having problems, if you still love that person, you'll be willing to work on it. But is it what I got? Is it one of those things where it's, I love you, but I'm not in love. Exactly. That's what I said. Is that love enough? Well, I knew it was over with my husband when we were at therapy and the therapist asked us, we need to jump off of a bridge together to save the marriage. And do you hold your hand out for the other person? And I said, absolutely. No matter how much tough stuff we've gone through. Yeah. And he said, you could answer. And then he said, no. And then he was surprised when that week I gave him divorce papers. Wow. I love when they act surprised and they don't know. He's been served. Yeah. Well, I'm listening to all these talkbacks and messages and stuff. And I'm thinking as a guy, as a married man, you know, I'm taking notes. These are things that I don't want to do. Right. You know, I don't want to end up on a podcast with my wife, like him. But I think, Billy, you said this a few moments ago, it's good to have a little check-in with your significant other and say, how are we doing here? Well, that's right. It's amazing that this topic came up this morning because I had nothing to do with it. I mean, you guys just, you know, listen to Christa Stefano and you came up with the topic. But it was about a week ago when I did out of left field. I wasn't planning on it. We were just sitting there having dinner. And I said, by the way, how are things going? Right. I think that that's a nice thing to bring up and ask. Yeah. I said, you know, yeah, happy with the decision she made and, you know, where we are. And, you know, basically said, you feel like you landed with the right person. But you say. Yeah, but really surprised. Yeah. But, you know, Michelle can be kind of a wise guy. So she's a lead for a minute. So, wow, you know, but yeah. And then you have a talk. So, you know, what bugs you about me, you know? And so we had kind of an open discussion, totally unplanned. And it went well. How long was her list? It was happy. Quite a list, but none of them bothered her enough. Yeah, we had a little thing. We had this little incident last year. My wife and I, where she was, she was really stressed out in a big, one of the things that was stressing her out was all the laundry. What do you know? Yes, I know it was like, I wasn't getting it. I wasn't helping. I never folded one piece of laundry. And all of our marriage. Wow. And so she couldn't keep up with it all. And she was complaining. And I was like, wow, that sucks. You know? And then it came. Someone suggested, well, why don't you fold a piece of laundry? So then I made the decision that I would just start doing the laundry. I would just take it from her. Yeah. So she hasn't folded one piece of laundry in a year. Let me tell you, there's no happier wife than a wife that doesn't have to do laundry. Oh, god, yeah. Well, I love that you guys shared in that. But it goes back to checking in. And then if a partner is telling you something, like, I need you to do something differently. And they don't. Yeah. That's the clue that there could be something wrong. Because they'll give up eventually. Right. Like Chris's wife. Exactly. Exactly. Did you notice? I don't care anymore. Well, if you say some-- oh, sorry, hands up Justin. No, you say someone-- if you have-- I need you to do this. If not, I'm done. And they continually not do it. Then they just want you to be done, literally. Yeah, probably. So my last relationship was long distance. But it was only Boston to Burlington for a month. So it was very simple to get back and forth. But I would always be the one that had to travel up. And even if I asked him to come down, always in next years. And that just was the end for me. Yeah. Like, he's literally not willing to go the same distance she is. Hi, Billie, Lisa, Winnie, and Justin. I'm listening to your segment when relationships are over. And I got my rude awakening in a four-year relationship when I got into a car crash on his way to his house in New Jersey. Told of my car. And he told me he couldn't come get me. Or meet me at the hospital because he had to do his taxes. Oh. That's my story. OK. OK. OK. Ouch. That hurts. Yeah. Literally. Hello. It is Ryan. And I was on a flight the other day, playing one of my favorite social spin slot games on chumbakasino.com. I looked over the person sitting next to me. And you know what they were doing? They were also playing Chumbakasino. Everybody's loving having fun with it. Chumbakasino's home to hundreds of casino-style games that you can play for free anytime, anywhere. So sign up now at chumbakasino.com to claim your free welcome bonus. That's chumbakasino.com and live the Chumbalife. Sponsored by Chumbakasino. No purchase necessary. VGW group. Voidware prohibited by law. 18-plus terms and conditions apply. From the Planet Fitness Kids 108 Studios. We're back with Billy and Lisa in the morning on TIFF 108. Hey guys, welcome back. Hey Justin, I think it was a couple of weeks ago for the first time we played a clip from the Meghan trainer, Paris Hilton song, right? Yeah, it's called Chasing. It was actually one of my jams. I think we all liked it. ♪ 'Cause I'm done chasing you ♪ ♪ Got chasing you ♪ ♪ Got chasing you ♪ ♪ Now I'm giving up ♪ I really like it. I did too. Yeah, good. It's got a good sound. And they're doing something very creative with it. Meghan, trainer, and Paris Hilton. They created a hotline that people can call to help promote the song and complain about their ex. I bet this thing is busy as ever. Well, it's hotline. This is Paris. Oh, sis, that's beyond. Close that notes app and go listen to my new single instead. Chasing featuring Meghan trainer. So when you go and complain, they have responses back. To me. Yeah, it's pretty interesting. But I never heard anyone complain there. Well, that's just a promo for it. Yeah, okay. They're not going to share it with you, Billy. Hey, can we call? Yeah, I'm calling right now. What's the number? It's 855. 855. THTS. Yeah. H-O-T. Get it? That's hotline. Oh! Do you get it? 'Cause member of Paris used to say that's hot. That's hot. That was the thing. That was a hot. Ah, yeah. That was it. Let's see what happens here. That's online. This is Paris. Hey, Paris. If you see me next, please select from the following menu options. Dial 1 for resisting the urge to text your ex. Dial 2 for my situation since the survival guide. Dial 3 for bouncing back after the breakup. I mean, dial 4 for bad bitch affirmations. Oh, 4. 4. Yeah. Hey, there's time for some bad bitch affirmations to remind you of how iconic you are. Repeat after me. I am free. I am free. Doesn't that feel empowering? It does. In 2024, we want less toxic relationships and more toxic by Britney Spears. And that's hot. I started at the main menu. Okay, okay. This is bizarre, but it's cool. Yeah, I just say I think this is awesome and so creative. I think we should call it every day. And just make up for story. Yeah. Well, you know what time it is. That bitch o'clock. Boston, what up? It's Stoducat. Everybody get up. And we're back with Philly and Lisa in the morning. Yeah. I'm kiss 108. Happy Friday, everybody. Welcome back to the Billy and Lisa show Justin here. This next segment is a little PSA. Please be careful out there when it comes to your bank, your phone company, your credit card, because you never know who might be on the other end of the phone or the text message or whatever. All I know, worst day in my life. The worst day of your life, Justin. You know, that's coming from someone who's been in the pokey a couple of times. It must be bad. Yeah. Yeah. I got to tell you, we were sitting in the office very early this morning, and Justin walked in. I'm sitting there, Lisa there. I don't know if you were in the room at the time, Winnie, but Justin walks in and he said, "Just so you know, last night was the worst night of my entire life." Yeah. I mean, I'll start with saying that I'm waking up this morning on this Tuesday, July 30th. I have $1 to my name, my entire life savings. That's my savings, my checking, all my credit cards. All the money is gone to the tune of close to $33,000 was taken from me last night by scammers. So innocently last night, you were violated. Okay. I know this is a comedy show. I'm going to play along and just know that I'm not doing well this morning. No, very quickly. So yeah, what happened? Very, very quickly. My debit card was hacked a couple of weeks ago. I got a new one in the mail and how it went and happened. I got a call from my bank, Santander, and they said, "This is the fraud department." And they shut the card down, sent me a new one, right? Yeah. Last night, I'm laying in bed, nine o'clock, my phone rings. It's Santander Bank. I answer it. It's a guy with a foreign accent like they usually are. Yeah. Yeah. And he said, "This is the fraud department. Your card's been hacked." I said, "Again?" And so I'm on the phone with him for a while and he's asking me different questions. And then he says to me, "Did you add a number? There's another user to your account. Now things are getting kind of weird. Now we're 30 minutes in. He's putting me on hold. He's coming back. He's reading another number on my account, which was a number that had been calling me earlier in the evening from the Netherlands. 646 was the first three digits. So I thought I said that number has been called me. He said, "Sir, calm down. We got you, but somebody has access to your account. Put you on hold." As he puts me on hold, I'm texting Winnie. And I'm like, "My debit card was hacked again. This will be a topic for tomorrow." I open my bank and I'm watching all of my savings and checking just go down. They're transferring money in real time. I buy savings. A thousand, three thousand, two thousand. And I'm like freaking out. I don't know what's going on. The guy comes back and I said, "My money's going." And he says, "Sir, calm down. Calm down. I see it. I see the money. We're going to get you all the money back." So then he starts asking me personal information. And, you know, missed the hustler here, gave some of that information up because they did not know. He was sending us down. I was showing Lisa. He was sending me what looked like legitimate text messages to confirm information. Yeah. It said it was from Santander. So anyway, long story short, I'm dwindled on my savings and my checking. And my credit card that was on my bank as well. And then he says to me, "You are completely compromised at this point. Do you have other credit cards?" I said, "I have a JetBlue card." I said, "But how is that related to my bank?" He said, "Well, I'm seeing some chargers here with a JetBlue card." So we're going to need to call Barclays JetBlue. I'm going to patch them in. Now I'm like, "It's 10 o'clock at night." So another voice comes on. But it seems legit. Seems legit. Another voice comes on the phone and says, "I'm so-and-so with Barclays. Do you have your card with you?" Oh boy. This is really hard for me to say. And I said yes. And he said, "Can you read that number to me?" And so I didn't hesitate at first because I'm going to Aruba on Sunday. And I'm going to bring my JetBlue card. It's going to be my primary source of spending. So I didn't want to lock the card. So I wanted to believe it was real. Right. And I gave the card number out. And when I said that last number, I thought to myself, "Is this the scammer that I'm talking to?" So then a voice come and they put me on hold again. They're giving me reference numbers, Lisa. Yeah. Multiple reference numbers like they do. Yeah. One, two, three, four, five, six, seven. No, no, no. They were legit, "R" and whatever. So then they come back. This is the finale of it. They come back and they say, "We're going to send you a text message to confirm with a code." So the code comes in like we do to sign into our work. And it says from Barclays, "And I read the code to him immediately." And he says, "Thank you." And then I read the message and it says, "Do not tell anybody this code. We will never call you." Oh, yeah, that's right. That's the procedure. Yeah. And then I said to him, I read it to him and he said, "No, no, sir. It's okay." And then he sent another code and another code. And now I'm like, something is not right here. Okay? Yeah. So I hang up the phone. I hang up the phone and I'm trying to call Santina, the bank. I don't know what's going on. All my money's gone. Yeah. And as I'm calling the bank, the number is calling back, the Santina, the fake one. I'm trying to stop it from calling. And then all of a sudden, that 646 Netherlands number calls, and I said, "What?" And I answered it, and it was the guy, "Hi, this is so-and-so from Santander. We got disconnected." Oh, my God. It was all a scam. Oh, my God. They got everything. And they were really good, right? It's so sophisticated. I all planned well thought out scam. I've never been through anything like this in my life. It's unbelievable. So, you know, my JetBlue card is shut down. Santander was not open. I have to wait until they open at 8 o'clock and try to get what I can get back. It's just a really bad situation. I didn't sleep. I was up until 1.30. I wanted to give up on life, man. Yeah, oh, I'm sure. And that's crazy. But the bottom line is, I think you're protected. The credit cards right now, most of them are protected. You won't be responsible for any of that. Even though I told them the information, that's my question. I think that's what the protection is for. They can't hold you responsible for falling victim to something that's as well-organized as this. I will say also, you did look it up that Santander was hacked recently. Apparently they were hacked. And millions of people data was sold. Which puts it on them. Exactly. Yeah, I wouldn't worry too much. I just think it's going to be a few days, but to have your account trained like that, I really don't. Yeah, I would go to a Santander branch. Like, after work today, go to the closest one. Yeah, and try and sort it out. You may have to fill some paperwork out. Like fraud, they have a fraud. But you need to go in person. Don't call them. Go there, sit down. They'll sit with you, and they'll make the necessary connections. But the good news, Justin, is that we're here for you. Lisa, I've got about one or two dollars. Well, I really have you first. I need a dollar. I need a dollar. I need a dollar. Go fund me. Yeah. And so, I want to say this before we go, that I thought about this for hours last night, and this morning, replaying the call, and everything that he said. And, you know, this is a PSA for people out there. Absolutely. You know, they never ask for your full credit card number. They never ask for a PIN number, and they never send you a code and ask you to read it back. I did all of those things, and it was one of the biggest mistakes of my life. Yeah. I mean, there are all kinds of scams out there. I've had a pretty regular one. They keep calling me incessantly, saying, yes, we have one more step to approve your loan. I've had that call too. I never asked you for a loan. No one's off from your loan. Uh, don't answer. Don't answer. Don't answer. I'm telling you, do not answer. Hang up. Kiss 108. What is the topic? Today, we're going to be talking about... Billy and Lisa present. Topic time. Talk amongst yourself. Topic time. Okay, in case you missed it a few minutes ago, Justin was hacked big time last night. They took all of his savings, all of his checking. They maxed out all of his credit cards, and Justin is freaked out this morning, but this is happening a lot more. And a lot of people have been victimized. This topic is huge because every phone line is booked. We've got dozens and dozens of talkbacks. Let's start with April. Good morning, April. What have you got for us? Good morning. Back in 2021, my husband and I had split up. And so I was very raw. About three months later, I started talking to a guy online. I had never been online, but, you know, I had friends that said, why don't you try dating online? So I did. I met this guy named Toni, who eventually basically just said, I'm a soldier. I'm a US soldier and I'm stationed overseas in Africa. I said, okay. I said, we talked for a while. After a while, he started saying that he had a daughter, and she was in trouble. And he needed money because he couldn't come home. And he wanted to fly home, and he also needed money for her. So long story short, I ended up sending about a thousand dollars in Roblox gift cards. Oh. You know, and I was, yeah, I was very raw, you know, and I was on my own again, you know, a single woman on her own again after being married. And so it was very hard for me. I mean, it wasn't until I actually met Marie, who asked me, you know, what kind of documentation he gave me. Basically, he stole other soldiers' documentation and sent it to me when I asked him, because my dad was a veteran. He was in Vietnam. Yeah. So, you know, it was very, it's the end of my heart when it especially when it comes to veteran. Sure, yeah. Yeah. Was it just a thousand dollars? And did you get more out of here? No, I, after that, I ended up realizing, you know, this doesn't seem right. Yeah, yeah. Well, I'm glad you caught on. Exactly, before you lost even more. I hate to say a thousand dollars isn't much compared to some of the same scam. Right, yeah. Just sitting there right now, completely wiped out. Let's go to Taylor. Taylor, you're up next. Give us a story. Hi. So my family and I were down in Nashville at my sister's college graduation. And so we were in a city that we weren't really super familiar with. So we were already a little vulnerable. And my dad got a text with a link from Verizon, supposedly saying that, oh, someone, there was a illegal charge on your account. And someone added like a phone line that wasn't authorized. Click this link to see more. So we clicked the link. That was mistake number one. And then they called him. They turned off all of our cell phone data, all four of us who are on the plan. And they were talking to him and asking him to send money through Dell. And they just kept asking for more and more. And this is my dad who is always telling us to watch out for scammers and stuff. He himself got scammed. And we were sitting in the car. I finally went up back up to the hotel to use the Wi-Fi to get an Uber back to the airport. And so we were all in the Uber together. And I was hearing what they were saying. And what he was saying back, and I was like, dad, hang up right now. And he finally did. And he was so embarrassed. He wouldn't even tell us how much money he lost. So they were able to turn off all of our cellular data. That's amazing. That's so sophisticated. Oh, yeah. Based on the story, Justin was telling this morning at how good, how well-organized these scammers were. They were in your phone. They sounded like they were at a call center. Right. There was noise in the background. They were sending texts to confirm. They were giving me reference numbers. Yeah. So many. If I could give any advice, folks, you need to check your accounts every day. Your statements, your accounts online. I'm telling you, you need to check your credit cards. Everything. Well, what do you do when the call, the number calling you says it's your bank? And it sounds like a representative and a call center. That's my thing. I guess you could say, you know what, let me call you back. Oh, you could ask somebody to send you an email or something. Here's the thing. I think you should call your bank and say, what, how do you connect with me if something happens? Do you call, like, ask them what they do? So then you know, for the next time. Yeah. I think we have someone who works at a bank on the phone. Okay. And by the way, Justin, the bank's not going to call you at nine at night. That's a good one. I don't think so, right. Let's go to Sam. Sam, what have you got for us? What do you have for Justin? Hey, Justin. Sorry to hear about your banking. So I worked for a pretty large bank and we're worldwide and we see this, you know, anywhere between six to seven times a day, six days a week. So what they're doing is what bad guys do is they download an app. And then they mimic, excuse me, they mimic your bank's phone number. So it makes you believe that it's your bank calling. And then they'll ask you for information. So bank you want to one, this would make you aware. Any bank out there is never going to ask you for any of your information. They're not going to make you confirm it. That it's a real bank and a real representative. They should know all your information already in the whole nine yards. And then second of all, what I always tell my clients is try not to use your debit card online. For example, if you remember years ago, target got hacked and there was millions of people affected with target hacking. So every single person who put their debit card in a target payment system, their stuff was compromised. So you better off use a credit card for everything because credit cards are covered or need federal regulations that you have your liabilities. That's a good one. That's a good one. Yeah. Good one, Sam. Thank you. That's a good, that's actually a really good tip from Sam. And that's it. He makes a point. They are that sophisticated that when they send you email, phone email, they actually have the bank or the company's logo. The real, so it looks like it's an email from your bank or whatever. It's scary out there. Let's go to Nick next. Nick, what have you got? Nick. Hey, how you doing? Hi. Hey, I'm here. Go ahead. So to go on with Justin, it's happening to thousands of people every single day. And what I called in about was there was a data breach back in April from the National Public Data Broker, which collects information when you apply for credit cards, mortgages, and basically contains all sorts of private information, like your street address, your phone number, email address, all that. Well, that was all released on the dark web a couple of days ago. And it's been basically-- people have been trying to use it. I got eight emails yesterday that it showed up there. My wife had, I think, 15 credit cards tried to be opened up in her name last week. So basically, the takeaway is, if you haven't already, freeze your credit on all three agencies. You can go to a website, basically sign up for free on all three. And you can freeze your credit so nobody can open new accounts. It obviously won't help Justin's situation, but it would help anybody that would be exposed from this data bridge. Wow. Yeah, I think it was just about a week ago. There was a big AT&T data breach where they got all kinds of personal information from AT&T. It's crazy. I saw the Santander leak and whoever hacked and called the data sold it on the dark web for $2 million, but I didn't know about it. They never let me know about it. I had no idea it was a leak. You know, my advice, Justin, going forward, do it the old-fashioned way. Just walk around with a pile of money and a rubber band. Yeah, watch out. You always carry cash. Good morning, anonymous. What have you got? Hey, good morning. Sorry to hear about that, Justin. Yeah, when you're talking about the call center noise in the background, I fell for that. Years ago, I got something from a call that said, "Hey, we're a credit card company. We're offering this promotional thing, right?" And you sort of listen for that background noise, right? And you can hear it beep, but my call, "This is legit." I gave all my information or whatever. Never, ever got a credit card from them. Wow. So this was years ago. And then more recently, actually, just this past year, I got a letter both in my name and in my dad's name saying, "Hey, did you guys file tax returns?" And we're like, "No, not yet." So our identities have been stolen. And then on top of that, I remember going through my father's emails once, and you know how people would sometimes, back in the day, send fake certificates like, "Oh, you've won something right and send a fee?" Oh, yeah. So he never, you know, and he was a highly, you know, PhD educated and everything, but elderly, right? So I never knew this, and I was just going through, like looking for like, sweepstakes, things to delete. And I found these emails and he gave information and sent money overseas. And they even held the money overseas saying, "Don't send him." They said, "Well, don't let the authorities know." And he said, I think, like, $5,000 or so. And he just made my heart think, because I was like, "Oh." You know, but I mean, what the other caller also said about like, you know, using a credit card versus a debit card, you know, stuff like that. But yeah, if you ever sort of get that text message or something, the one thing that they've said on the TV in the cops, all they say, is that all they'd hang up and call them back. Yeah. Yeah. Yeah. Yeah. That's a good, that's a good, that's a good, that's a good, that's a good. 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