DMARSPA MINUTES - MARCH 24, 2016
President Justine Finley introduced Bill Snyder who presented the March program - "Fraud
Protection - What We Need to Know Now."
Bill, a DMARSPA member, retired from the Iowa Judicial branch in 2009 after serving as a
personnel manager in state government for 34 years. He currently serves as the webmaster for
the DMARSPA. In 2015, Bill responded to a request from AARP for volunteers to become
speakers for its new Fraud Watch program, designed to keep seniors aware of the threats to
their personal data and financial well being.asked the audience
Opening his presentation, Bill asked members how many had been approached by a
fraudulent offer? Eighty percent of the people asked this question raise their hands. The rest
have been approached and don't know it.
The Top Scams are identity theft and debt collection.
Identity Theft - 13 million people have their identity stolen in a given year. Stolen money totals
$18 billion in identity theft in a given year.
A. Phishing
B. Stealing Mail or Sensitive documents
C. Bogus job opportunities- a lot of web sites that are bogus. People start applying and give
their personal info. One on Linked in.
How many still get unsolicited credit card offers? Shred it. Don't put it in the recycling bin. It
goes to a sorting station, and someone could be picking through the forms.
Investment Fraud
A. Even people who are educated and have good business sense can still be duped.
B. Gold coin scam - buy directly from coin dealers
C. Free lunch/dinnerD.
Oil/gas scams
E. Fake checks
F. Disaster/charity scams-unless you know the charity, don't give.
Online & Offline /scams
A. Foreign Lottery Scam
B. Tech support scam - will instal corrupt software or ransom ware - software that will tie up
computer until person pays. Or whole memory will be erased
C. Sweetheart scam- faith based dating. Sites purport that people can find similar people of
faith to date. Get info.
D. Travel scam- won a trip to Alaska. Another is the travel club. Offer to join club that will
entitle you to deeply discounted prices. End up paying more than full price.
E. Grandparent scam- just say you are going to call their parents. Be careful how you
answer the phone.
F. IRS - never call people. They send letters. Last year congress gave IRS to hire debt
collectors to go after dead beats. Have not adopted procedures to go after people.
Eventually , there will be debt collectors to go after those who owe taxes.
G. Counterfeit ads for phones. Some tracker apps that track whatever you do and wherever
you go on the computer.
H. Death notices - some who use obituaries to get info.
I. Public wi-if networks
How they find people.
A. Some random calling by computer
B. Buy list of phone numbers
C. Con artist net work
D. Silent phone call - computer calls random numbers. If you answer the phone, it knows there
is a real person, and it will flag you as live voice.
E. What can you do? Use caller ID. If you don't who is calling, don't answer.
F. Can even use local area codes and still be in another country.
G. Will put in a fake phone number and no record later on your phone.
Chip Cards
A. Banks now issuing new debit cards with a chip in it. Now people are using debit cards to
identify problems with chips
B. Get sleeves for chip cards so people can't use scam machines.
How did AARP figure this out?
A. They talked to cons and catalogued techniques.
B. Talked to police
Meet the Cons
A. Once they get you "under ether, " a heightened emotional State where you don't think
clearly.
B. Tactics
C. 1. Phantom riches- I have a check for you. Always something you have to do to get it.
D. 2. Profiling - go through something like death notices to get info.
3. Scarcity - only four units left. There are only 24 hours left of this offer.
4. Source Credibility - make themselves sound credible
5. Fear and intimidation - I would never let go. Even when out of money, I would say, I
know where your children live.
Prevention strategies
A. Keep your cool
B. Consider why it's a scam.
C. Ask questions
D. Read information - when you hover over "click here" a window will open, and you can tell
where it's going. Read about products before you buy.
E. Don't let sales person control you.
F. Develop a refusal scrip to stop unwanted interactions.
G. Protect your social security and personal info with you.
H. Monitor your bills and financial accounts - finra.org/broker check & sec.gov
I. Watch over your credit report - free every year.
1. annualcreditreport.com
2. 877-322-8228
J. Protect PINS and passwords
K. Protect Your information online
L. Protect your mail
1. Opt outspreen.com - can get you out of direct, unsolicited hard copy mail
2. 888-5opt-out
M. Sign up for Do Not Call Registry
1. Don't call.gov or 888-382-1222
N. Double check references
O. Verify charities
P. Join AARP fraud watch network - aarp.org/fraudwatchnetwork
Q. Sleeves for scam machines
R. Watch for waiters who take credit cards away from table.
Members talked about scams they knew of.
President Justine Finley thanked the speaker.
People with February and March birthdays were introduced.
Justine led the Pledge to the flag, and paused for a moment of silence for those no longer with
us, those who have special needs, and in gratitude for the fellowship we share and the food we
are about to receive.
Tables were dismissed for lunch, catered by Baratta's.
President Finley called the March 25, 2016, business meeting to order.
Secretary's Report - Sherry Wilkinson read the February minutes. Minutes approved as read.
Treasurer's Report - Rosemary Hillman.
The checking account balance for March 25, 2016 was $10,391.86. Deposits totaled
$1994.00. Expenses - lunch $1261.00. Checking account balance on April 28, 2015, was
$9914.20. A balance of $1210.66 was in the Scholarship fund, with a depositi of $150 -
resulting in a balance of $1360.71 on April 28, 2016. Total assets as of April 28, 2016 -
$11,274.91. Report approved and will be filed for audit.
Courtesy - Sue - no report
1. Viola Besco died - teacher for 45 years
Legislative Update - Gary Thelen
1. Kept track on computer while in Texas. Only one bill introduced concerning IPERS about
clarifying language. Expected a bill about benefits this year, but nothing was introduced.
Last year, it was said that IPERS would only be discussed in even years.
2. Justine said only 2 % raise in education funds. Advocated members to write letters to tr to
get the raise for schools.
Old Business
A. Continue to record volunteer hours in your directory separately or label, if time is with
student (tutoring) or community (church).
New Business:
A. Executive meeting that followed regular meeting. IRSPA had always reimbursed for new
retirees for first lunches. Looking for ways to save money - read executive minutes. Read
attached minutes. Lunches for new retirees will be paid for June meeting. If new retirees
can't attend, they can present letter the prior or previous month to receive free lunch.
Lunches for guests, otherwise, will not be paid, unless they join DMARSPA.
1. Discussion followed. Would this include the scholarship recipients? Yes, and a limited
number of guests.This would start immediately.
B. Spring meeting in Corydon
C. Food bank of Iowa will be here next month. Voluntary donations - check or cash
Guests introduced.
Happy birthday sang to Dee.
Dee read puzzle answers
Justine said people could pick up retirement letters to distribute to schools. She asked for
committee sheets to be left on the table
Door prize - Terry Baker
Adjourn - Justine. 12:41 p.m.
Business meeting was adjourned and will reconvene with our next meeting on April 28 when our
program will be "Three Women of The Civil War: A Portrayal" by Betty Kay.
Respectfully submitted,
Sherry Wilkinson
Secretary
President Justine Finley introduced Bill Snyder who presented the March program - "Fraud
Protection - What We Need to Know Now."
Bill, a DMARSPA member, retired from the Iowa Judicial branch in 2009 after serving as a
personnel manager in state government for 34 years. He currently serves as the webmaster for
the DMARSPA. In 2015, Bill responded to a request from AARP for volunteers to become
speakers for its new Fraud Watch program, designed to keep seniors aware of the threats to
their personal data and financial well being.asked the audience
Opening his presentation, Bill asked members how many had been approached by a
fraudulent offer? Eighty percent of the people asked this question raise their hands. The rest
have been approached and don't know it.
The Top Scams are identity theft and debt collection.
Identity Theft - 13 million people have their identity stolen in a given year. Stolen money totals
$18 billion in identity theft in a given year.
A. Phishing
B. Stealing Mail or Sensitive documents
C. Bogus job opportunities- a lot of web sites that are bogus. People start applying and give
their personal info. One on Linked in.
How many still get unsolicited credit card offers? Shred it. Don't put it in the recycling bin. It
goes to a sorting station, and someone could be picking through the forms.
Investment Fraud
A. Even people who are educated and have good business sense can still be duped.
B. Gold coin scam - buy directly from coin dealers
C. Free lunch/dinnerD.
Oil/gas scams
E. Fake checks
F. Disaster/charity scams-unless you know the charity, don't give.
Online & Offline /scams
A. Foreign Lottery Scam
B. Tech support scam - will instal corrupt software or ransom ware - software that will tie up
computer until person pays. Or whole memory will be erased
C. Sweetheart scam- faith based dating. Sites purport that people can find similar people of
faith to date. Get info.
D. Travel scam- won a trip to Alaska. Another is the travel club. Offer to join club that will
entitle you to deeply discounted prices. End up paying more than full price.
E. Grandparent scam- just say you are going to call their parents. Be careful how you
answer the phone.
F. IRS - never call people. They send letters. Last year congress gave IRS to hire debt
collectors to go after dead beats. Have not adopted procedures to go after people.
Eventually , there will be debt collectors to go after those who owe taxes.
G. Counterfeit ads for phones. Some tracker apps that track whatever you do and wherever
you go on the computer.
H. Death notices - some who use obituaries to get info.
I. Public wi-if networks
How they find people.
A. Some random calling by computer
B. Buy list of phone numbers
C. Con artist net work
D. Silent phone call - computer calls random numbers. If you answer the phone, it knows there
is a real person, and it will flag you as live voice.
E. What can you do? Use caller ID. If you don't who is calling, don't answer.
F. Can even use local area codes and still be in another country.
G. Will put in a fake phone number and no record later on your phone.
Chip Cards
A. Banks now issuing new debit cards with a chip in it. Now people are using debit cards to
identify problems with chips
B. Get sleeves for chip cards so people can't use scam machines.
How did AARP figure this out?
A. They talked to cons and catalogued techniques.
B. Talked to police
Meet the Cons
A. Once they get you "under ether, " a heightened emotional State where you don't think
clearly.
B. Tactics
C. 1. Phantom riches- I have a check for you. Always something you have to do to get it.
D. 2. Profiling - go through something like death notices to get info.
3. Scarcity - only four units left. There are only 24 hours left of this offer.
4. Source Credibility - make themselves sound credible
5. Fear and intimidation - I would never let go. Even when out of money, I would say, I
know where your children live.
Prevention strategies
A. Keep your cool
B. Consider why it's a scam.
C. Ask questions
D. Read information - when you hover over "click here" a window will open, and you can tell
where it's going. Read about products before you buy.
E. Don't let sales person control you.
F. Develop a refusal scrip to stop unwanted interactions.
G. Protect your social security and personal info with you.
H. Monitor your bills and financial accounts - finra.org/broker check & sec.gov
I. Watch over your credit report - free every year.
1. annualcreditreport.com
2. 877-322-8228
J. Protect PINS and passwords
K. Protect Your information online
L. Protect your mail
1. Opt outspreen.com - can get you out of direct, unsolicited hard copy mail
2. 888-5opt-out
M. Sign up for Do Not Call Registry
1. Don't call.gov or 888-382-1222
N. Double check references
O. Verify charities
P. Join AARP fraud watch network - aarp.org/fraudwatchnetwork
Q. Sleeves for scam machines
R. Watch for waiters who take credit cards away from table.
Members talked about scams they knew of.
President Justine Finley thanked the speaker.
People with February and March birthdays were introduced.
Justine led the Pledge to the flag, and paused for a moment of silence for those no longer with
us, those who have special needs, and in gratitude for the fellowship we share and the food we
are about to receive.
Tables were dismissed for lunch, catered by Baratta's.
President Finley called the March 25, 2016, business meeting to order.
Secretary's Report - Sherry Wilkinson read the February minutes. Minutes approved as read.
Treasurer's Report - Rosemary Hillman.
The checking account balance for March 25, 2016 was $10,391.86. Deposits totaled
$1994.00. Expenses - lunch $1261.00. Checking account balance on April 28, 2015, was
$9914.20. A balance of $1210.66 was in the Scholarship fund, with a depositi of $150 -
resulting in a balance of $1360.71 on April 28, 2016. Total assets as of April 28, 2016 -
$11,274.91. Report approved and will be filed for audit.
Courtesy - Sue - no report
1. Viola Besco died - teacher for 45 years
Legislative Update - Gary Thelen
1. Kept track on computer while in Texas. Only one bill introduced concerning IPERS about
clarifying language. Expected a bill about benefits this year, but nothing was introduced.
Last year, it was said that IPERS would only be discussed in even years.
2. Justine said only 2 % raise in education funds. Advocated members to write letters to tr to
get the raise for schools.
Old Business
A. Continue to record volunteer hours in your directory separately or label, if time is with
student (tutoring) or community (church).
New Business:
A. Executive meeting that followed regular meeting. IRSPA had always reimbursed for new
retirees for first lunches. Looking for ways to save money - read executive minutes. Read
attached minutes. Lunches for new retirees will be paid for June meeting. If new retirees
can't attend, they can present letter the prior or previous month to receive free lunch.
Lunches for guests, otherwise, will not be paid, unless they join DMARSPA.
1. Discussion followed. Would this include the scholarship recipients? Yes, and a limited
number of guests.This would start immediately.
B. Spring meeting in Corydon
C. Food bank of Iowa will be here next month. Voluntary donations - check or cash
Guests introduced.
Happy birthday sang to Dee.
Dee read puzzle answers
Justine said people could pick up retirement letters to distribute to schools. She asked for
committee sheets to be left on the table
Door prize - Terry Baker
Adjourn - Justine. 12:41 p.m.
Business meeting was adjourned and will reconvene with our next meeting on April 28 when our
program will be "Three Women of The Civil War: A Portrayal" by Betty Kay.
Respectfully submitted,
Sherry Wilkinson
Secretary
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