0:02 thank you hit the wrong button the following is paid programming welcome to something more with chris boyd chris boyd is a certified financial planner practitioner and senior vice president financial advisor at wealth enhancement group one of the nation's largest registered investment advisors we call it something more because we'd like to talk not only about those important dollar and sense issues but also the quality of life issues that make the money matters matter Here he is, your fulfillment facilitator, your partner in prosperity, advising clients on Cape Cod and across the country. Here's your host, Jay Christopher Boyd.

0:44 Thank you for being with us for another episode of Something More with Chris Boyd. I'm here with Jeff Perry. We are both of the AMR team at Wealth Enhancement Group, and it is well into the season where we start to do our holiday shopping. And there's that. And we get distracted. There's so much going on. It's so busy. Sure is. It's an easy time to get taken on a ride when it comes to the scams and fraudsters that are out there. They seem to be getting better and better each year, Jeff. when it comes to some of these scams no doubt no doubt they're getting better and better and their tools are getting better and better one of the recent articles that I saw was talking about AI I know that seems to be everything right in a positive side and you know medical advances AI and writing all these tools that are available now with the developing technology of AI but you think about it some of the some of the obvious signs of a scam whether it's a phone call or an email have been in the past uh maybe individuals who uh don't speak english native language it's easier to detect like idioms or something but just the grammar was poor or you'd be like hmm well you're just really a nigerian prince you know yeah right but with ai not only is will their writing

2:15 be better for us emails or websites but also and this one I hadn't I hadn't even contemplated this one you know we heard about fake uh messages during the political campaign of someone's I'm going to use the word spoofing I don't know if I'm using it correctly but Pretending to be someone else. Yes. So now they'll be able to create, even if they don't speak, even if the scammer is overseas, they'll be able to create a perfectly sounding American business woman. Yeah. Audio and video. They can even make a person appear to be a fake person. Absolutely. Video content or replicate someone who like, you know how that grandchild scans.

3:00 That's right. often here if there's content of that individual online they could potentially replicate that's right so that it appears to be what they're saying So if you post a photo or a video, a video even better, right? Yeah, that's right. Of you and your grandchild doing something, or the scammer goes from your account to the grandchild's TikTok account. Right. And there's endless content there. Voices and images. Or a lot of teenagers, yeah. You could get a call that sounds a lot like your grandchild. Saying, I'm in Europe and I need to get bailed out or whatever. That's right.

3:40 When I worked for the sheriff's office, it wasn't a voice, meaning a replica voice, but we had scams that were happening on the Cape where someone would pose as a law enforcement officer, call grandma and say, all right, we have your grandchild Joey in here. And they'd say a few things about Joey based upon Joey's social media. He got picked up for shoplifting. You know, we had to take him in. The merchant was really great. Joey would never shoplift. Well, he asked us to call you because he is too nervous about calling his parents. And I think I'm going to be able actually to get the merchant to drop the charges.

4:23 but we just need two hundred dollars to release joey and uh if you'd like to do it right away so he doesn't have to stay here if you just run down to the cvs so they can get a gift card get a green card and get a gift card and you know so I think the theme of everything we want to talk about in this episode chris is go slower, pause. When something happens that you're reacting to quickly, especially if it's not in person, even if it is in person, but just slow down, right? Slow down and say, can I get back to you? Like for the one I was explaining that happened on the Cape when I was working at the sheriff's office, if the people just said, okay, um, I have somebody here right now.

5:10 Can you just give me your phone number to call back and I'll get right on this. You don't you don't have to challenge the person calling. Yeah. Just be as if you're going to go along with it. Maybe say, OK, let me get let me get back to you. I need to raise some funds or whatever it is. Yeah. Then you don't call that number, though. No, you don't call the number that they give you. You go to the original source. So that's how we found out the sheriff's office. Because people would call the sheriff's office and say, did someone just call here? Do you have Joey in custody? And we were able to. They're like, don't know who Joey is. Yeah. Yeah. Something's going on.

5:51 To the AI point, that's just being magnified with the advances in artificial intelligence. It's going to make it harder to really discern. Even before AI, when you get emails, nowadays you get an email, it looks like it's from an official source with a statement or something. I'll call it FedEx or something. know the postal service or something right there'll be a communication uh a a bill like a credit card or something and it's like oh you have this fraudulent sure charge and if you just click through here we can you know, rectify it or whatever.

6:37 So like sometimes it's stuff you're like, you just can fall suspect like, Oh, is this really, is this far? Is this fake? And sometimes it's so, it appears to be good enough that you could think, Oh, maybe it is. Or if you're not paying close attention, you wouldn't catch that. It's, a bogus one oh the email address is not an email address that would be that institution well they can they can make it look pretty close so they can hide it they can encrypt the email address and so it still says u.s post office until you click the actual email address yeah and before you know you're entering your name date of birth so security number address you know to file this claim on this fraudulent thing and And that's if you just give them your identities and you don't start giving them your bank account number so they can refund the number.

7:27 And I know a lot of people who are listening right now say that would never, happen to me. And, you know, I feel, I feel the same way. I'm one of those people who would say, I wouldn't fall. No, I wouldn't fall for that. But they would catch you at a weak moment, a distracted moment. Um, and, uh, just it's, it happens to everybody, people who you would say, how did they fall for that? Right. Not, I mean, if someone is, um, Oftentimes elderly are the target of some of these things, partly because sometimes they're less technology savvy, right?

8:10 Technologically savvy. Sometimes it's because they may be at an age where they are not as cognitively astute. And so they may be in the habit of being generous anyway at this stage of life or whatever it is, right? So there's all these prompts that can make them more susceptible to these kinds of issues. But it doesn't have to be because anyone is technologically inept or a variety of reasons. I think anybody can fall susceptible to these things now because they've gotten so good at being deceptive.

8:57 Right. They learn every day. The fraudsters learn every day what the objections are and what point they're being questioned. And they're just modifying their tactics to deal with those objections. And so I wanted to bring this some of these common or new scams up. It is, by the way, International Fraud Awareness Week. And your wife, Kristen, actually let me know because we had a client, we have a client who, not related to the accounts that she has with us, but I was talking to her about another matter and she let me know that she had fallen prey to one of these scams. It all started on Facebook.

9:39 And, you know, say Facebook, people know there's scams there, but she got a message saying, in her message you know the private messages messenger yeah that looked to her perfectly that this was a fraud this was facebook fraud bureau whatever they called themselves okay and they had some facebook trying to rectify this looking from facebook in facebook private message that said, you know, your account has been hacked. We need to clean this up. Don't worry about this. And we'll help you resolve it. And the key in the door was, and you know, this, this person is a very intelligent person.

10:23 I would not think she would have done this. And she today would say it's my fault, but she allowed them to download. She downloaded a file and, to allow them access to her computer. And then from there, just, you know, they cloned it or whatever they did and gained all these personal information. And then they're off to the races, opening new accounts and bank accounts. And wow. Wow. So, you know, someone's posing as client service. Um, incidentally, just, um, you probably haven't seen this, but there's a movie called beekeeper. Have you ever seen this?

11:03 I think I have. Yes. Um, it's an action flick really, but the premise starts off with the same kind of thing where someone, um, is getting a little bit of technological technology support, whatever. Right. And they, uh, they basically wipe out their bank accounts through this process. Same kind of concept, you know? a little bit of trickery and, oh, Josh, I withdrew, you know, I was supposed to take fifty thousand dollars. It's now fifty thousand dollars or whatever it is. Gosh, I need to get that back. Can you just front me that money or whatever? And ultimately they they wipe them out, you know, this fictional event.

11:48 But I don't think it's entirely hard to stretch to think these kind of things happen. you know and you know for the facebook you're thinking like there's fraudulent people like pretending to be other people but you're on it and you get a private message from an entity that looks like them and they're trying to help you right and so people may have these experience with work with Someone else would log into their computer to fix something, which is really normal to give somebody authority. I got hacked on Facebook once before where we had credit card information on the account to be able to do advertising.

12:29 Right. And someone somehow hacked in and had false charges. They bought all kinds of stuff through that credit card link. Yeah. So it's, it's really endless. And so you're not going to be able to prevent everything, anything. If there's a data breach at a company, that's not your fault. And you know, you'll be protected ultimately by your credit card. But when something is going on, whether it's a call or a mess incoming message to you, the best advice for, we'll go over some of these quickly, but the best advice is just to pause. Right. So you talked about those fake invoices. Um, Sometimes it'll be from PayPal even, or a credit card, or it'll be a bank, Wells Fargo, Bank of America.

13:16 And does fraudsters know that only ten percent of the people that they're giving enough people have that bank account that they'll think twice right oh it's the wells fargo I have a wells fargo checking account this must be right whereas you I don't know if you I don't have wells fargo so I look at that and be like yeah it's a scam it's just the more personal they can make it to you the more likely you are to fall for this right right or the paypal one is um They'll send you an invoice, like you said, and says this item's being shipped. If you have any questions about your billing, click here. And then you're heading down that rabbit hole.

13:56 Where they're dropping something on your computer or whatever it might be. So if you pause in those examples, or when you get a phone call, whatever, if you just pause and say, okay, I'm not going to trust anything. And I hate to live like that, but you kind of have to. All right, this is Wells Fargo. I have a Wells Fargo account. Let me log in separately to a link that you saved that you know is legitimate and to see. And if you want to go further to use a customer service number or go to the bank itself, but to know that... is legitimate and you choose the number that you call, not the number that they're giving you.

14:37 Right. yeah I had uh something this while ago I probably told you this jeff I went to um I was in california and went to the gas station and somehow they spoofed my card maybe a scanner some kind of thing right so um so I when I'm back here I got a call saying you know are you charging something in california and I'm like who is this I'm thinking the bank it's like Do you think this call is a scam? I'm thinking it's a scam from the bank. Like, what is this? I'll call you back. So I called the bank. And they're like, yeah, are you in California? Because there's charges going on your card.

15:18 And I'm like, no you know so I don't know how it happened other than I think they think it was when I went to get gas um somehow the the pump had been compromised in a way that the strips uh when you were doing your bank card got captured somehow so um in any case um Yeah, so you have to, even when they're trying to protect you from the fraud, you're like, all right, are you real? It's a terrible posture to maintain, but you kind of have to. Another scam that's recent, which... I might have been susceptible to it because I've done this before.

16:02 Sometimes the best way to get an airline's attention, you know, when you have long customer service or people have been resorting to Twitter or social media posts. You can comment on social media and oftentimes they're paying attention. I did this with a JetBlue incident. It could be any airline. This is an anti-JetBlue. I love JetBlue. I got my issues with JetBlue. I used to love JetBlue. Okay. Well, I was having an issue with JetBlue about something, and so they weren't responding, and it was very frustrating. So when I was on Twitter, which I'm not anymore, but when I was on Twitter, I did it, and I tagged them, so to speak, at JetBlue.

16:44 Yeah. And I instantly got a message back, a private message from JetBlue. So was it really JetBlue? It was real. And I got it. And they said, we're sorry to hear about this. Can you give us the ticket number? And I gave them the ticket number, which really isn't that harmful, I guess. But I didn't process anything. I made a complaint. Here's JetBlue. They're helping me. I'm a happier person. Right. And so it worked out. They helped me with the situation. But now there are people faking that. Well, they're faking the name. So they create a handle that says, I don't know, doing it somehow.

17:25 Blue assistance or whatever, right? Yeah. I'm making that up. I don't know if that's a real thing. Whatever. You get the point. Right. And then they troll for these posts and they find one and they contact you and they'll say, sorry to hear about your trouble. Can I validate that it's you? Would you please give us your name, database, social security number, bank account number, as much as you'll give them. yeah they'll take and obviously they're not gonna fix your problem so that's very interesting so you can be it you know the first examples where you're not doing business with these people like a email that you get from PayPal or Best Buy, Geek Squad or all the common ones, or a bank that you don't do business with.

18:13 That's something coming at you and you're maybe heightened security, but this is one that you reach out to an entity. And something comes back to you and it looks like it's who you contacted. Right. So that's, I think you're a bit more vulnerable in situations. That's really insidious. You know, as you're, you're trying to solve this waiting online with whatever your frustration is and you're at wit's end and yeah, catch you when you're weak. Right. When you're with these kinds of things, what are some other ones that are common? I think I can make a blanket category here is the government's trying to, um, find you because you missed the IRS or a common one down here was a, uh, actually friend of ours got this call.

19:04 They didn't fall for it, but they called, they called me about it and asked cause they knew I had been in law enforcement where they get a, they get a call from somebody said that they were with a sheriff's office and they were, um, following up on people who had missed jury duty. Now you might say, well, I didn't have jury duty, but they convince you that you must've missed it. Then you think, well, I don't really look at all my mail. Like I should. Yeah. So maybe I did. Um, it went to the, you know, whatever. Yeah. And so they give you two choices and, So in this example, they gave you two choices. They said, okay, well you can report to the St. Lucie County court on Monday at nine o'clock and see the clerk and clear it up. Or if you'd like, you can pay the fine now.

19:46 And you know, it's, you just need to, we'll take a ETF out of your bank account. If you'd like to do that, we can do that right now. If you'd like to pay the and how many people in that moment, In that moment, think, well, it's fifty bucks of least resistance. Yeah. You know, they add on by they send a they send an email when you question them. They sent my friend this email that looked like a KPS, a warrant, a civil warrant with your name on it because you missed jury duty. And of course, it's how easy it is to replicate a public looking document. Yeah. Make it look real. Yeah. And they just say, OK, after we receive payment, we will.

20:29 Send you a release. Keep that release in case you get pulled over and this warrant's still in the system. It sounded legit. Luckily, this friend called and I said, they don't do this. They do not do this. Believe me, they do not do this. If you want to find out, call the sheriff's office and ask them if they do that. So the IRS doesn't call you. The sheriff's office, the police department, they don't call you. The tax collector, they don't call you. They send you a communication by mail usually is the way that works. That's correct. Yeah. Yeah. That's correct. So- if you or if you have an online portal or something like that you know like I'm thinking the uh I wonder if uh social security if you have a username on on social security to they reach out through that do you think I don't know I think it's only by mail but I wonder yeah I think it's by mail and I think most of the criminals at least at this point don't subject themselves to mail because of the the, why, uh, the fraud cases by using the postal service fence.

21:39 Yeah. They get federal authorities involved as actually a trail on this. So, so that's a broad category. If someone's claiming to be the government, um, please don't take their call. And the other thing that since I'm focused on some law enforcement stuff here is there's a lot of entities that call you and they have a very official sounding name as some type of charity for, you know, the police benevolent association or. I'm glad you brought that up. I get those calls from time to time and they always have like a deep resonant voice too. They do. They sound like a retired old police officer.

22:20 Yeah. And I'm always like, you know, you're always afraid you're going to get pulled over the next day if you don't donate a little something, right? Yeah. I can assure you that ninety nine percent of there might be one real one out there that some that I'm not aware of, but they're not real. they're not real um if you want to make a donation if something's compelling to you we just lost three deputies down here in a horrific car accident and you know they're raising money for their families but there's gofundme pages set up you know by by loved ones and you can validate those and so forth but if you just get an incoming phone call you know please don't fall for it because it's not legitimate Odds are it's not legitimate, and you're opening up your heart and your pocketbook because you want to help somebody like this.

23:13 But most of them, the super majority, I haven't seen a real one, but I just don't want to preclude it. And if there is a real one, you can validate that by calling the sheriff's office in this case and saying, I saw that your three deputies were killed. I'd like to help. How can I do that rather than getting some link? The same thing goes for links on social media. They may or may not be legitimate charities. There's plenty of scams there. I hope we're not scaring people. I know, really. I'll share a recent one. My mom called me just yesterday. I think it was last night just saying, Hey, I got, I got something that your student loans are overdue.

23:59 Should I, should I do you know like worried that I was going to have a credit problem from something that uh you know was bogus right so um I was like oh you don't worry about that our student loans my student loans were paid a long time ago and uh our kids are also you know so don't worry about it it's it's it's a it's a come on you know there's but there's all there's so many creative ones I don't know how they keep coming up with them but they keep coming up with them because it's a numbers game, right? Right. Yep. And as soon as one idea is saturated and the public is reasonably well informed. Yeah.

24:40 I mean this, you know, you, you joked about the Nigerian prince, but that's a joke now because everybody kind of gets it, but we've seen it so long. Yeah. When it started, people were falling for it that they, or they had won some lottery. Right. You just need to pay the five hundred dollar processing fee. It'll be between us. That's right. Then the other common one that maybe we'll end on and shift gears a little bit but is if someone's offering to send you a check for something and then they just need you to send them a little money to get it started or something? No. I had this a couple times when I was a practicing attorney is that They'll send you a check for payment or they'll say, I'm going to send you this check for payment.

25:29 Oh, and then they'll call you back and say, you know what? I mailed it. It's for too much. I only, you know, I sent you, you know, X dollars. Could you mind just sending me back? Could you write a check for the difference that I received? Right. You check for five thousand. Just send me the one thousand back. The four thousand is for this business that you're going to run or this product you're going to sell for me to go buy it. Are you going to be a secret shopper? So this is for your purchases. Right. And so they send you a bank check usually with some name that sounds like a good bank. Chris Boyd's bank could be right on it. Jeff Berry's bank. Right.

26:10 And sometimes they're even Canadian banks, which delays the processing. It's not a Canadian bank. Sometimes it's Canadian bank routing or whatever. Right. And so what happens is you take your check, you bring it to your bank, you put it in the bank and three or four days goes by. Like where's my money? No, the money is still there, but because the check is fraudulent and perhaps at a different country, but even if it's fraudulent, the process slows it down because it just doesn't automatically go through. And so in the meantime, you sent back a legitimate check for that thousand dollars, they cash it, which is a real check. And by the time this happens, because people aren't checking their bank accounts every day also, you're out the money and there's no one to get it back from because that they were never real in the first place.

27:05 It's not an insufficient funds check. It's a full check. It's all made up. It's a bogus check, so there's nothing to be obtained. I would also, just as a rule of thumb, if anyone is asking you to send them money and gift cards of some kind, that's probably not legit. Yeah. it yeah it isn't legit or that even worse they're asking you to get the gift card and read them the code yeah so don't do that don't do that that's not that's not legit charities don't collect money this way uh law enforcement doesn't collect bail money this way um you don't and you know we haven't even mentioned it but cryptocurrency is another method that sometimes fraudster will will ask you to buy a certain amount of Pick your cryptocurrency.

27:55 Bitcoin is the most common cryptocurrency. And then transfer it to us and so forth, right? Right, exactly. Just don't do it. On the topic of fraud, let's spend a few minutes, Chris, if we have time. Yeah, I just mentioned, and maybe this is where you're going with this, but all this talk about this kind of stuff raises the thought From time to time, it's probably a good idea to do a credit check. And you can always take a look. There's lots of ways you can do this with the credit companies themselves. But you can go to freecreditreport.com as a way to take a look at your credit and look for any identity theft or that kind of thing.

28:48 Right. That's, that's exactly where I wanted to transition because sometimes they're just stealing your, we've given a bunch of examples of where they're stealing your information or your money. When they steal your information, they're not just getting your information for no reason. They intend to do something with it. And sometimes it's creating a whole new account, applying for a credit card or whatever the case may be in your name. Um, so you'll see that when you check your credit report, you'll see that you have this. You're like, I don't remember having a bank of America credit card or whatever it is, you know? That's right. Um, worse.

29:28 I mean, when there's like people going out buying houses or something, right. Isn't there stuff like people trying to sell your house out from under you or something? I've heard some of these crazy stories. I'm not sure that the insurance is, uh, you know, there's an insurance product that you might hear advertised. Um, They're not doing anything that you can't do. This is all public record. So they're not doing anything that you can't do on your own. You can check your county online. I'd say in ninety nine percent of the counties in the country, you can check your. It's not really checking your deed because it really, you know, you're checking the chain of title. Yeah. See if anybody's done anything on your title and you can check that.

30:13 know you put on your calendar to check annually or quarterly and just to make sure there's nothing after your purchase or no mortgages on it or so sorry I just say if you paid for the insurance they're just doing it for you and it's in an automated fashion and they're not preventing it they're informing you that somebody did it yeah right and you can check yourself for nothing So we've talked about this notion about freezing your credit, this ability so that if someone tries to take out a loan as if they're you, they would be unable to do that because you need a credit report to be able to do that.

30:57 And this is something that can be a possibility, but it's definitely an inconvenience. So you have to be deliberate about being able to turn it on and turn it off. when you do that approach to freezing credit. We're in a world now, Jeff, where we now have to think about multi-factor inconvenience. I mean, authentication. You know, it's like, not only do you have to have a password, now the password has to be, you know, changed every so often. And it has to be not, you know, four letters or numbers, but, you know, eight letters or numbers. No, it's got to be twelve, eight, or, you know, all these, like, longer and longer characters and And now you got to have two things come in.

31:39 One's going to hit you with a text and the others, you know, you put in your password or whatever. Right. It's right. It gets to a point where, I mean, it's pretty darn frustrating to have to have this, but it's for protection so that you don't have these kind of frustrations where someone's running off with your money in one form or another or your your credit, your identity, et cetera, et cetera. Right. If you're, if you're financial situation, I mean, you're, you're like stable, meaning you're not opening new cards. You're not opening new bank accounts. You're not out shopping for insurance quotes because sometimes they're related to your credit score. So if you're just kind of, I have my stuff, I'm in this, I have my bank accounts.

32:23 I have these credit lines that I have. I have this insurance. I'm, I'm all happy with it. I'm an advocate. to freeze your credit reports. It's a peace of mind thing. But you're right. You do have to be aware if you go to buy a new car and you think you might want to explore a loan on it or if you're shopping around for new auto insurance, you're going to have to unfreeze it before you do that or you won't be able to get the vendor, the car dealer or the insurance company won't be able to get a credit score or a credit report when they ask for one. So I do it. My credit is frozen because I don't. I think it's prudent.

33:03 It's challenging. And then so you think those Services where you get protection, air quotes, is maybe more just reporting than it is. I do. I do. And I'm not, you know, if people feel comfortable with it and they think it's worth the money. to not have to do it themselves. Maybe that's value. That's fine. People pay for coffee to have it made for them. And some people make it at home. So it's not a value judgment. I'm just saying, don't think you're getting this super protection. It can still happen.

33:46 But you'd be alerted to it in that scenario. As we wind down, there might be other things you wanted to cover, Jeff. But one thing I wanted to remind everyone, if you want to hear more about scams and schemes, in June, on the June tenth episode of Something More with Chris Boyd, we spoke with Bob Powell about this very topic and there'll probably be some more tidbits you might benefit from that as well. Was there anything else you wanted to cover, Jeff? No, we could go on indefinitely, but I guess I'll end my comment on where I started it is even if you are reasonably confident that whatever you're looking at is real, just pause.

34:28 You know, and think about how did I receive this information? And there's nothing wrong with telling someone, I hear you, I'm going to deal with this. Give me your number and hang up or let the, you know, if it's in person. Good counsel, Jeff. Step back. Don't get caught up in this. intended haste. That's right. Because it might catch you off guard. Whereas if you can slow it down, you have a moment to catch your breath. Maybe you'll have the opportunity to say, let me check on this. Let me make sure this is the legit.

35:09 And if you don't have to call the sheriff's office, if that makes you nervous, you can call a friend and say, this just happened. Does this make sense to you? You can call If you have a financial advisor, I'd love you to call us, you know, our clients. Yeah. Some of these things you can even just Google. That's right. And there'll be all kinds of insights about, you know, some of these scams that are repeated. Yeah. You'll be able to identify just with a quick search sometimes. Yeah. You can put anything that's happening and put the word scam after it and it will highlight everything. you know, the likely related subjects.

35:49 So just pause, talk to somebody, even if it's little Johnny, potentially in handcuffs behind, behind the prison cells, you know, five more minutes, isn't going to change this, you know, just, just pause, talk to somebody and you could be saving yourself a lot of headache and a lot of money. Because it can happen to you. It can happen to all of us. None of us are beyond falling for something. It's a huge fraudulent industry. And there's a lot of money that's transacted by virtue of people unwittingly falling prey to these kind of tactics. So as much as we all think, well, it doesn't happen to me.

36:34 It can happen to anybody. It can. It can. All right. Well, uh, good thoughts. Uh, let's, I mean, tough, tough topic here, Jeff. I mean, there's a little scary stuff, right? But we, you know, knowledge is power. Want to make sure that you're in a better position. If you see these things, if they come up across your email or your phone call or whatever, you're in a better position to be prepared. Yep. So, uh, with that, everybody, thanks for being with us. Um, until next time, keep striving for something more. Thank you for listening to Something More with Chris Boyd. Call us for help, whether it's for financial planning or portfolio management, insurance concerns, or those quality of life issues that make the money matters matter.

37:19 Whatever's on your mind, visit us at somethingmorewithchrisboyd.com or call us toll free at eight, six, six, seven, seven, one, eight, nine, zero, one, or send us your questions to amr-info at wealthenhancement.com. you're listening to something more with chris boyd financial talk show wealth enhancement advisory services and jay christopher boyd provide investment advice on an individual basis to clients only proper advice depends on a complete analysis of all facts and circumstances the information given on this program is general financial comments and cannot be relied upon as pertaining to your specific situation wealth enhancement group cannot guarantee that using the information from this show will generate profits or ensure freedom from loss listeners should consult their own financial advisors or conduct their own due diligence before making any financial decisions