WEBVTT

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Because everybody who's got a question, that's equal importance, because if we

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don't learn together...

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What I learned today, I stopped in at the bank before I got here

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just in case I needed to pay everybody off.

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But what ended up happening is I'm listening to the tellers who we've become

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friends with over the years.

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Only 40 years later, and I still have the same teller.

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Wow.

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I said, "Aren't we getting old?" She said, "We are, Lucito."

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But she told me about a scam today.

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Oh.

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And she said, "We have an elderly woman

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who wanted to help her son pay for a brand-new roof."

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The son didn't have all the money,

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and so she made the call

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and they said,

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"We're going to send a courier service over, but we only do cash, no checks."

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Oh, that's no good.

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And she wanted to surprise her son.

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Yeah.

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So she went to the first bank and got 10,000 out.

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Oh my gosh.

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They must have told her to do it this way.

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And then went to the second bank, and by the time the teller opened

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up the account, they saw the other 10 that was already

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taken. They stopped everything. They grabbed the number.

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They called them and said, "What time is the courier service coming?"

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Click.

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Truly.

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So she got her money back in the bank.

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Otherwise, it would've been $20,000 goodbye Jack.

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Goodbye. Jesus.

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So if you guys give me a chance, my name's Pete Lucito.

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I'm the county prosecutor, and I've been a blessed man, and I mean it

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sincerely. Those that are coming in, Heather, have them sit on the floor

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all around us.

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It's like church in here.

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Church.

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Go sit on somebody's lap like we're in church.

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Oh, the Lord forgives. So here's the story.

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I grew up-

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Once again

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... in a small Italian family, eight children, Mom and Dad make 10.

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Just a tiny little family. The first four Lucitos were born in

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Detroit,

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and then my father

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went ahead and moved the family to St. Clair Shores.

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I grew up on a street called Lakeland at 10 and a half in Harper.

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Yeah.

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All of us were born at St. John Hospital, and there's a reason I'm giving you this

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information, because there'll be a quiz at the end of it.

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If you don't get an 80% or more, you're all going to summer school.

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Anyway, what ends up happening is I went ahead and I got my first job.

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My dad was a produce man. That's on the exam.

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That's how he fed us all. And anyways, I got this job at

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this Dairy Queen next door to my house. That's where I lived.

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Eight years old, they gave me this rotary, whatever

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they call it, lawnmower. Two wheels and the blade would go around.

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I cut the grass. I dumped the garbage every day.

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I cleaned the windows, and at the end of the week, she gave me $5.

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Oh.

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And she gave me a bonus, all the broken ice cream sandwich cookies.

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You don't really do anything with them.

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Now they make blizzards or something out of them.

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But think about this. I'm eight years old, I go down to Standard Federal Bank,

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which was two blocks away, and I'm going to bring it right down to

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memory lane with you. What I did is I opened up my own bank

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account, my passbook savings.

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With 5% interest.

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With 5% back then, yeah.

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Yep.

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So hear me out. What happened was they gave me the passbook, and Mary was

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my teller, and she gave me a three by five card, and she said, "Lucito,

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put your name,

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your date of birth, your social security number." And my mom

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gave me the card knowing I was opening up a bank account.

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"I need to know your address so we can send you your statement every single month,

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and we're going to need your mother's maiden name for the secret

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password." You guys remember that?

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Yeah.

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Yeah. And then all of a sudden, they gave

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me this passbook that I'd have to bring in, and she'd put it

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through the, what's called the word

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processor, put the $5, and then she'd sign something with

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a kerchunker. Kerchunk and sign something that I put the $5

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in the bank.

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Now, that three by five card was in yellow.

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That three by five card at night would go into a file cabinet.

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That three by five card would get locked in that cabinet so the lady that came at

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night to clean the bank wouldn't take my three by five card.

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I tell you, three years ago, I went over to this place called

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Standard Federal... No. Comerica Bank. You remember?

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Standard Federal closed and went to this one and went to Manufacturers.

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And it's now Comerica, but Comerica is now Fifth Third.

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So Mary was her name, that's on the exam, and was

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over there, and Mary would always do my telling

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because she was the one that liked my name, Little Pete, because my

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dad was Big Pete. And guess what? I went to go open up an account because

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they were still giving 5% about three or four years ago.

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They were. And my banker, he was a vice president because they

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don't have any presidents in these banks or credit unions.

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They always have vice presidents. I don't know where the presidents are.

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But be that as it may, he said,

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"Pete, go down to the kiosk." Kiosk?

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What the hell is a kiosk?

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"No, no, it's right over there. Just go to the kiosk and you can open up the

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account."

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Okay, so I go to the kiosk. How do you work this kiosk?

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"Pete, it's a computer."

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I said, "Yeah, but where's the customer service at?"

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I

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know I'm a senior citizen and everything, and I do like customer service because

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that's the way I grew up.

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If they have one.

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So here's what it was.

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He says to me, "Go ahead and fill out what you can." Well, there's

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26 pages.

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Oh my gosh.

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And they ask me this, name, address, social security

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number, date of birth.No mother's maiden

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name. They asked for a copy of the driver's license now.

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Mary must've known I didn't have a driver's license when I was eight when I opened

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that account.

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Although they were selling phony driver's licenses back then.

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At any rate, what ended up happening is I filled out what I needed to

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under the Patriot Act. The Patriot Act was an act that Congress

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did because of terrorist actions, and they went

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ahead and they said, "We don't want money flowing in and out of the United

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States,

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or we don't want terrorist effects of the money, so these

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things are necessary under the Patriot Act.

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You must give your name. You must give your date of birth, Social Security

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number, your address, and a copy of your driver's license."

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That's all you owe anybody, guys.

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You know why?

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I wanted to ask the banker, the vice president, because there's no president,

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why am I putting on here if I own a home, and if so, how much I have

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to pay on it? Why do I put if I own a summer home or a winter home?

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Why do I have to tell you what kind of car I drive and if I owe any money?

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What about my stocks, bonds, mutual funds, IRA,

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annuities? How much cash value in my life

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insurance?

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Do you know why they're asking all these things?

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Because

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they can scam.

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So they can sell your information, you see.

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Once upon a time, my first wife and I, okay, when

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we got married, she wanted a house, and we had to go to a bank.

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She's still my first wife, incidentally. I've only been married once.

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What ended up happening is I sat down at the bank, local

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community bank, First State Bank, I'll never forget it.

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And they said... Well, Pete, I just got out of law school, so I had nothing.

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I mean nothing.

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And as a result, my wife, my first wife, that's on the exam-

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... my first wife went ahead and said, "I'm going to get this working done." So she

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went and got a job at General Motors, and she got up every morning

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and went to work, and so we were using a lot of her credit because Lord knows I

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didn't have anything.

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And then they can ask you anything they want because you're borrowing the money.

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But in my case, I was opening an account.

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When I didn't fill the entire kiosk paperwork,

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that vice president looked at me and goes, "I can't open the account.

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They tell me I have to have all this filled out before I open an account." I said,

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"Sonny boy, I'm a lot older than you." Oh, did you guys

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know I'm over 65? I know I look great, don't I? Over 65.

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Big-time senior. Anyway, what ended up happening is...

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Come on in. Come on, we're just getting started.

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What ended up happening is

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he didn't know what to do. I said, "Well, why don't you call down to the legal

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department and ask them about the Patriot Act?

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I gave you my driver's license. Everything that's on there is what you need,

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except my Social Security number." And as a result, guess

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what? They told him, "Take the money." That was the first

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line of business that I learned a long time ago. Grab the money.

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You could always sort out the pieces later, right? Get the money in the bank.

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At any rate, what ended up happening is they did take my money.

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I didn't fill any of that crap out. But I want to know, all these years, that

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little three by five card when I was eight years old,

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did Mary take that home?

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Did Mary throw that in the garbage when I left the bank, when it closed

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or merged or whatever they do?

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Think about how many pieces of paper you have filled out in your lifetime.

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Oh.

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Okay, so guess what? They didn't have an email address

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on that three by five card.

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No.

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And they didn't have a cell phone, did they?

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And everybody in here, my mom lived to 94, my dad,

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96. They were nine years apart, and let me tell you something.

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They never got scammed. Do you know why? They didn't own a computer.

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They didn't own a cellphone. They did a rotary phone up till the time

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they were forced to go ahead and get a push button, and that

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came in four colors. Remember that, guys?

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No.

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It came in yellow, avocado, it came in beige, it came in

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black, and if you were Batman,

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came in red.

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So we had things back then that they didn't ask you.

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And now today, we're just little sheep.

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We want to fill it out as fast as we can.

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It's all on computer, all digital ties they call it.

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I love going into my bank. You know why?

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I always say to them, "I don't know my account.

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Can you look it up?" See, they know everything about me, don't they?

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Yeah.

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They've taken a picture of your driver's license.

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Yeah.

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They got your Social Security card. They got everything that they need.

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The problem is, I want you to listen very carefully.

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The only money that all of us have is what we have in our pocket or we have in our

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purse or what we may have stashed at home. And guess what?

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That's a real problem because we put it all into these investments to kind of hedge

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inflation and try to beat the odds on getting some interest or

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dividend.

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And what ends up happening is all these big, big

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financials now are making the rules, but it's all of our

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money. Imagine if the country took all their money out of the

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financials, every nickel on the same day.

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What would those big buildings do?

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Crumble.

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Crumble. But I was up at the capital.

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I made some law along the way after 35 years of

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practice and seeing a brother die and I said, "I'm going to go up to Lansing and

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change all the darn laws that I thought stink." And when I got

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up there, I learned the hard way because on those

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applications that we've all filled out, you're automatically opted

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in. Opted in means that you automatically

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agreed to allow them to sell, convey,

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assign your information. The interesting part is

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who's buying it?

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Mm-hmm.

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How do they vet those individuals from buying that information?

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Are they criminals?And you know what else that man told me at that

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bank? I said, "Well,

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so if I give you all this information, how is it

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protected?" And he goes, "It'll be in the cloud."

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And I said, "Come on out to the front door. Which cloud is it going to be in?

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I want to know what cloud it's going to be in.

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There's three clouds out there."

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What did he say?

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"Well, no, not those clouds. There's a cloud." I said, "I know what you're talking

242
00:12:37.944 --> 00:12:38.223
about."

243
00:12:38.264 --> 00:12:39.004
You can track it.

244
00:12:39.064 --> 00:12:42.534
And then he goes into it and he says to me, "These are computer

245
00:12:42.624 --> 00:12:43.104
protected."

246
00:12:43.964 --> 00:12:46.144
I said, "Have you ever been to Las Vegas, Nevada?"

247
00:12:46.564 --> 00:12:46.894
Haven't been there.

248
00:12:47.184 --> 00:12:50.784
They broke into a casino that's heavily protected on the

249
00:12:50.824 --> 00:12:53.484
computer and held them hostage for $20 million.

250
00:12:55.144 --> 00:12:58.884
And he goes, "Yeah, they did." So your cloud is going to protect me better?

251
00:13:00.524 --> 00:13:03.424
The next thing is, where is the person running this cloud?

252
00:13:03.884 --> 00:13:05.764
Are they in this state, in this country?

253
00:13:07.284 --> 00:13:11.184
And if so, can I talk to them and ask how my information's

254
00:13:11.224 --> 00:13:11.913
doing every day?

255
00:13:12.184 --> 00:13:13.104
I think so.

256
00:13:13.184 --> 00:13:13.704
No.

257
00:13:14.784 --> 00:13:17.044
Think about what we're doing, guys.

258
00:13:17.884 --> 00:13:21.583
I went ahead and I noticed that we're already opted in, and when I brought the bill

259
00:13:21.684 --> 00:13:22.924
up to the legislature,

260
00:13:23.784 --> 00:13:27.044
they said, "Let's go pay a visit on this guy, Lucido."

261
00:13:27.504 --> 00:13:27.794
Mm-hmm.

262
00:13:28.044 --> 00:13:31.814
And you'd think Jesse James, Billy the Kid, and everybody else come in there,

263
00:13:31.904 --> 00:13:33.674
because when they sat with me, you know what they said?

264
00:13:34.424 --> 00:13:36.394
"You're not disturbing the money we make.

265
00:13:36.944 --> 00:13:40.534
Years ago, we used to make it off the interest when you and the first

266
00:13:40.584 --> 00:13:44.444
wife bought your house." Right? I think the mortgage rate was what back

267
00:13:44.484 --> 00:13:44.744
then?

268
00:13:45.444 --> 00:13:45.454
Five.

269
00:13:45.484 --> 00:13:47.984
Yeah, five sounds good. Everything was fives, right?

270
00:13:48.264 --> 00:13:52.164
5% they give you, 5% they take. At any rate, what ended up happening is

271
00:13:52.624 --> 00:13:56.164
we got it on the business loans, we got it on the cars, we got it on the houses,

272
00:13:56.204 --> 00:13:58.764
and everything else that we bought. The bank made their money.

273
00:13:59.104 --> 00:14:03.064
They found a better way. And when I say bank, let's not discriminate.

274
00:14:03.364 --> 00:14:06.934
I'm talking about credit unions, insurance companies, everybody that's in the

275
00:14:07.004 --> 00:14:09.604
financial racket, world. World.

276
00:14:10.564 --> 00:14:11.524
And as a result,

277
00:14:12.784 --> 00:14:16.724
everything I've ever signed in my life had on there that they're allowed to

278
00:14:16.764 --> 00:14:20.684
go ahead and share my information, sell my information.

279
00:14:20.744 --> 00:14:24.534
I gave them permission. I was too worried about

280
00:14:24.644 --> 00:14:28.614
feeding children and getting home on time and making sure

281
00:14:28.644 --> 00:14:32.374
that we had enough in the refrigerator, freezer, so I signed

282
00:14:32.404 --> 00:14:33.404
everything back then.

283
00:14:33.544 --> 00:14:34.404
So clumsy.

284
00:14:35.134 --> 00:14:37.114
Lord knows when I need the money to buy the house,

285
00:14:38.284 --> 00:14:39.024
I had no choice.

286
00:14:40.264 --> 00:14:42.564
So I signed without ever reading all that stuff.

287
00:14:43.304 --> 00:14:44.524
Well, who has time to read it?

288
00:14:44.904 --> 00:14:45.354
Nobody.

289
00:14:46.114 --> 00:14:46.114
It's long.

290
00:14:46.144 --> 00:14:49.594
Nobody. I'm going to tell you right now, there is an opt-out provision on every

291
00:14:49.624 --> 00:14:52.323
form that you people are doing, everything that you do.

292
00:14:52.404 --> 00:14:53.184
Yes.

293
00:14:53.264 --> 00:14:55.644
Okay? And I want you to know something.

294
00:14:55.684 --> 00:14:59.664
When you give your email address and your cellphone, there's a spoof

295
00:14:59.884 --> 00:15:03.364
app out there. By a show of hands, who knows about a spoof app?

296
00:15:04.324 --> 00:15:05.424
It's got a few of you in here.

297
00:15:05.564 --> 00:15:05.694
Yeah.

298
00:15:06.144 --> 00:15:09.884
Ladies and gentlemen, I've tried to legislate

299
00:15:09.944 --> 00:15:13.513
from the ground to get somebody up in the air and said, "Please,

300
00:15:14.144 --> 00:15:17.564
please do me a favor. Take this off the market." "But it's a free market," they

301
00:15:17.604 --> 00:15:21.104
said, "Lucido, if people want to buy this thing." So I can say,

302
00:15:23.124 --> 00:15:26.504
I'll call your cellphone because I bought all the cellphone numbers for the city of

303
00:15:26.564 --> 00:15:29.464
Warren. I'm going to assume you all live in the city of Warren, but maybe you

304
00:15:29.504 --> 00:15:32.363
don't, and thank you, Warren, for the invite. I appreciate it.

305
00:15:33.904 --> 00:15:34.744
And all of a sudden,

306
00:15:35.764 --> 00:15:39.104
I call your cellphone on a spoof app, and it says

307
00:15:39.844 --> 00:15:41.024
Warren Police Department.

308
00:15:41.884 --> 00:15:44.384
And all of a sudden, you're picking that phone up because, uh-oh, trouble.

309
00:15:44.544 --> 00:15:46.824
Something must have happened to my family. Maybe an accident.

310
00:15:47.204 --> 00:15:50.143
Maybe somebody's in the hospital. Maybe something happened.

311
00:15:51.164 --> 00:15:53.304
All of a sudden, I say, "Good afternoon.

312
00:15:53.344 --> 00:15:56.684
This is Lieutenant Lucido from the Warren Police Department." It says right on your

313
00:15:56.724 --> 00:15:58.154
caller ID, Warren Police Department.

314
00:15:58.874 --> 00:16:01.164
That number goes in the spoof app and you're picking it up.

315
00:16:01.904 --> 00:16:02.124
Speak.

316
00:16:02.424 --> 00:16:05.404
And I'm telling you right now, I'm going to ask you questions, and you're going to

317
00:16:05.424 --> 00:16:07.744
give me answers because you're talking to a police officer.

318
00:16:08.044 --> 00:16:08.604
Uh-oh.

319
00:16:08.664 --> 00:16:10.684
And here's the best part, and I really mean it.

320
00:16:11.444 --> 00:16:13.864
See, they targeted the widows and widowers,

321
00:16:15.204 --> 00:16:19.104
those that were vulnerable and of age. And they said, "You know what?

322
00:16:19.984 --> 00:16:23.844
If you have a keypad on your garage door or a lock box with the

323
00:16:23.864 --> 00:16:27.724
key in it, what we're trying to do is get a database together so that when

324
00:16:27.764 --> 00:16:31.644
you call us for services, ambulance or fire, we don't have to knock

325
00:16:31.704 --> 00:16:35.444
your door in, break your garage to get into there to save you."

326
00:16:36.344 --> 00:16:38.464
Now, the vulnerable people are thinking, "You know what?

327
00:16:38.604 --> 00:16:42.054
I should probably give it to them so they can get to me quicker," right?

328
00:16:42.054 --> 00:16:45.724
"To save my life." I know a lot of you are saying no, but a lot of people said yes,

329
00:16:46.004 --> 00:16:48.744
and this happened in Shelby Township. And guess what?

330
00:16:49.844 --> 00:16:53.714
The vulnerable, the widow and widowers, were giving those codes, and guess

331
00:16:53.744 --> 00:16:55.484
what happened? The break-ins happened.

332
00:16:55.524 --> 00:16:58.284
They went in all the garages, broke into the houses.

333
00:16:58.664 --> 00:16:58.964
They did.

334
00:16:59.464 --> 00:17:03.404
So when you see a number come up in your cellphone, you will not answer

335
00:17:03.424 --> 00:17:07.285
it anymore unless it's in your cell notebook, phone

336
00:17:07.344 --> 00:17:08.644
book, whatever you want to call it.

337
00:17:09.164 --> 00:17:09.174
That's it.

338
00:17:09.174 --> 00:17:12.884
Okay, we got that? Because I'm telling you now, I always hear then, "Well,

339
00:17:12.984 --> 00:17:16.724
Lucido, I get all these calls." I said, "Are they in your phone

340
00:17:16.764 --> 00:17:19.224
book?" "No." "Then don't answer it."

341
00:17:20.024 --> 00:17:20.305
2B.

342
00:17:21.004 --> 00:17:23.285
I know my ma liked to talk to people with the eight kids.

343
00:17:23.305 --> 00:17:26.335
She got a little lonely after we all growed up and got out of the house, so she's

344
00:17:26.444 --> 00:17:28.194
answering the phone, "Hey, how you doing?"

345
00:17:29.044 --> 00:17:32.484
Ma, knock it off. They're still calling on the rotary phone.

346
00:17:33.804 --> 00:17:36.284
Here's the other thing. How about those emails? You like those?

347
00:17:36.564 --> 00:17:37.004
No.

348
00:17:37.044 --> 00:17:40.444
Okay. You got those insomniacs, they call them.

349
00:17:40.484 --> 00:17:43.344
Any doctors in here that know about people that can't sleep at night?

350
00:17:44.044 --> 00:17:47.984
Give them something to go to bed. All night long, they email me, and they want

351
00:17:48.004 --> 00:17:51.744
to talk about this, and they talk about that, and the next day, I have to respond

352
00:17:51.764 --> 00:17:52.044
to them.

353
00:17:53.004 --> 00:17:56.684
Why? I'm an elected official. I have to talk to the constituents, which is

354
00:17:57.024 --> 00:17:59.044
yous. And as a result,

355
00:17:59.864 --> 00:18:03.464
what about all the scammers that want to go ahead, give me these

356
00:18:03.564 --> 00:18:06.644
links that go to my email and open them up?

357
00:18:07.184 --> 00:18:10.844
Don't open them. Do not open any links, everybody.

358
00:18:10.904 --> 00:18:14.692
You know why? They want to get into your system to corrupt-We

359
00:18:14.732 --> 00:18:18.321
saw scams years ago when they had a... What was the name of that computer company?

360
00:18:19.232 --> 00:18:21.472
What was it called? It's in here.

361
00:18:22.592 --> 00:18:22.732
Oh,

362
00:18:24.832 --> 00:18:25.252
Geek Squad.

363
00:18:25.692 --> 00:18:25.972
What?

364
00:18:26.072 --> 00:18:26.672
Geek Squad?

365
00:18:28.392 --> 00:18:31.212
I'll have to find it myself real quick. Oh, my God.

366
00:18:31.252 --> 00:18:33.372
Here it is, the Geek Squad. You're right, Heather.

367
00:18:35.052 --> 00:18:38.092
I got some time, or sometimes I remember, sometimes I don't.

368
00:18:38.332 --> 00:18:39.512
Is that going to be on the test?

369
00:18:39.612 --> 00:18:42.172
That is not on the test, and it's not my age.

370
00:18:44.112 --> 00:18:47.932
I'm innocent. Anyway, what ends up happening is the Geek Squad was

371
00:18:47.992 --> 00:18:50.632
emailing everybody saying, "You got a virus."

372
00:18:51.172 --> 00:18:51.812
What?

373
00:18:51.872 --> 00:18:54.572
So I said, "Talk to Dr. Taormina. He's my doctor.

374
00:18:54.592 --> 00:18:55.992
He'll fix any virus you want."

375
00:18:56.832 --> 00:19:00.052
"No, for the low price of 350 bucks, we're going to go

376
00:19:00.692 --> 00:19:04.592
do this remotely." That's the first sign right there.

377
00:19:04.632 --> 00:19:06.672
You're going to give your passcode to get into this thing.

378
00:19:06.952 --> 00:19:09.172
They're going to take all your information out of that thing.

379
00:19:09.602 --> 00:19:09.602
Right.

380
00:19:09.612 --> 00:19:10.751
And they're going to steal from you.

381
00:19:11.272 --> 00:19:14.422
So anybody that sends you something to the cellphone, because you've seen the ones

382
00:19:14.422 --> 00:19:16.512
that said you didn't pay a toll.

383
00:19:16.972 --> 00:19:17.732
No, we haven't.

384
00:19:17.812 --> 00:19:21.712
I wasn't on no bridge. I don't know who you're talking to. I just delete it.

385
00:19:21.872 --> 00:19:24.812
I could care less. Go ahead, bill me later if I did something wrong.

386
00:19:25.062 --> 00:19:25.672
Here.

387
00:19:25.712 --> 00:19:28.412
And that's the way I want you to feel from this day forward.

388
00:19:28.432 --> 00:19:31.732
Here's the other thing. I go to my doctor. You guys go to doctors? Go to doctors?

389
00:19:31.902 --> 00:19:31.902
Mm-hmm.

390
00:19:32.592 --> 00:19:35.292
I wonder why they want to give you a pill to fix this, and then something else has

391
00:19:35.372 --> 00:19:37.252
happened, they give you another pill to fix this.

392
00:19:37.802 --> 00:19:37.802
Right.

393
00:19:37.892 --> 00:19:40.432
I said, "Well, you guys are just fooling around with pills all day with me."

394
00:19:41.392 --> 00:19:45.132
But I go to my doctor, and I go in, and my insurance has

395
00:19:45.192 --> 00:19:47.972
never changed. It's still the same insurance I've had.

396
00:19:49.052 --> 00:19:52.832
Where I lived with my first wife, that's not changed either.

397
00:19:52.912 --> 00:19:56.012
My name hasn't changed. My date of birth hasn't changed.

398
00:19:57.072 --> 00:19:58.872
But they gave me nine pages to fill out.

399
00:19:59.652 --> 00:19:59.662
Oh.

400
00:19:59.812 --> 00:20:00.152
Oh, wow.

401
00:20:00.692 --> 00:20:04.012
And they gave me a clipboard. Like a clipboard's going to do something for me.

402
00:20:05.192 --> 00:20:09.032
If they gave me a sandwich, it's about lunchtime, I'll feel good about myself here.

403
00:20:09.112 --> 00:20:09.792
A year or two.

404
00:20:09.972 --> 00:20:12.942
And all of a sudden, I said, "Here, you can keep this.

405
00:20:13.152 --> 00:20:16.192
I'm putting my name down and the time I got here so you've got a record of me

406
00:20:16.572 --> 00:20:18.172
reporting for duty."

407
00:20:18.232 --> 00:20:18.712
Oh.

408
00:20:18.752 --> 00:20:22.462
And she says, "The doctor will not see you." I said, "Why am I filling this

409
00:20:22.592 --> 00:20:25.722
out? You have my driver's license scanned into your

410
00:20:25.812 --> 00:20:29.412
computer. You have my date of birth and everything else.

411
00:20:29.632 --> 00:20:33.492
I have not changed my insurance, and I want you to tell me why I'm filling

412
00:20:33.512 --> 00:20:33.992
this out."

413
00:20:34.892 --> 00:20:38.572
"Well, the doctor told me I..." Okay, watch. Dr. Taormina, Dr.

414
00:20:38.812 --> 00:20:39.972
Taormina, are you here?

415
00:20:40.992 --> 00:20:42.832
And he comes running out with his white coat on.

416
00:20:43.592 --> 00:20:45.452
And why they wear those coats is beyond me.

417
00:20:46.152 --> 00:20:47.732
Why don't they wear a sweatshirt or something?

418
00:20:48.352 --> 00:20:49.392
We like the white.

419
00:20:49.432 --> 00:20:50.172
You do like the white?

420
00:20:50.472 --> 00:20:52.042
Yeah, because then I can tell if you dirtier.

421
00:20:52.212 --> 00:20:55.252
Okay, that's good. I'm glad you can see dirt under the coat.

422
00:20:55.772 --> 00:20:57.892
As a result, I'm going to tell you something.

423
00:20:58.712 --> 00:20:58.812
Oh.

424
00:20:59.132 --> 00:21:02.372
I says, "Would you tell her that I don't have to fill this out?

425
00:21:03.472 --> 00:21:05.912
Because you have everything, and if it changed, I'd give it to you."

426
00:21:06.512 --> 00:21:06.892
Uh-huh.

427
00:21:07.112 --> 00:21:10.072
He doesn't have to fill it out. But we are sheep.

428
00:21:10.252 --> 00:21:13.192
We fill it all out, don't we? We don't even question why we're doing it.

429
00:21:13.272 --> 00:21:14.012
Oh, I hate it.

430
00:21:14.372 --> 00:21:14.612
What?

431
00:21:15.132 --> 00:21:15.532
I hate it.

432
00:21:15.692 --> 00:21:17.612
I do, too, and I'm not doing it no more.

433
00:21:17.641 --> 00:21:18.002
And I think-

434
00:21:18.092 --> 00:21:20.592
And you know what? I can be that way because-

435
00:21:20.612 --> 00:21:22.112
I just gave it to you last year.

436
00:21:22.172 --> 00:21:22.712
There you go.

437
00:21:22.832 --> 00:21:23.472
It hasn't changed.

438
00:21:23.512 --> 00:21:25.432
And if it hasn't changed, you're not going to give them that.

439
00:21:25.672 --> 00:21:27.252
What do they do with that paperwork at night?

440
00:21:27.892 --> 00:21:28.722
Throw it away probably.

441
00:21:28.932 --> 00:21:32.402
They throw it away. Well, if they don't rip it up or shred it, somebody can get in

442
00:21:32.432 --> 00:21:34.612
your garbage and take it out of there.

443
00:21:34.672 --> 00:21:37.392
And wait a minute, if they leave it on the countertop and the cleaning people-

444
00:21:38.092 --> 00:21:38.742
Then they take it

445
00:21:38.742 --> 00:21:41.212
... take that information. It's got my Social on there.

446
00:21:41.252 --> 00:21:44.172
It's got my date of birth, my legal name, and it tells us where I live.

447
00:21:44.632 --> 00:21:45.872
What's wrong with telling them?

448
00:21:46.272 --> 00:21:49.512
Yeah. Oh, my God. Here's the other thing.

449
00:21:50.612 --> 00:21:54.332
With the cellphone and the email opened up new opportunities to create

450
00:21:54.412 --> 00:21:58.132
scams that we never saw or expected. Okay?

451
00:21:58.512 --> 00:21:58.772
Yeah.

452
00:21:59.052 --> 00:22:00.032
And I got to tell you,

453
00:22:00.892 --> 00:22:04.172
every day in the prosecutor's office, what I do for a living,

454
00:22:05.972 --> 00:22:07.812
I'm learning it because we have a senior

455
00:22:09.912 --> 00:22:10.452
unit, and

456
00:22:11.852 --> 00:22:15.612
that's mainly for vulnerables and seniors that get in trouble,

457
00:22:16.032 --> 00:22:18.472
but also that have been taken advantage of.

458
00:22:18.512 --> 00:22:22.002
And we have a consumer fraud unit. Those are the

459
00:22:22.112 --> 00:22:25.912
busiest units right now. Somebody on the Facebook. You guys got Facebook?

460
00:22:26.732 --> 00:22:27.072
Oh, yeah.

461
00:22:27.342 --> 00:22:29.512
Yeah. I do, too. Oh, wait a minute. I know.

462
00:22:29.752 --> 00:22:32.372
People have to sit there and vent all day.

463
00:22:32.492 --> 00:22:33.432
I tell them, "Go to work."

464
00:22:34.391 --> 00:22:38.252
But at any rate, all of a sudden, people

465
00:22:38.292 --> 00:22:40.812
are trying to tell me about the law.

466
00:22:42.172 --> 00:22:43.832
I don't know who they are, but you know what?

467
00:22:43.892 --> 00:22:44.872
Last time I checked,

468
00:22:45.792 --> 00:22:49.722
I gave a citation of the... And it doesn't matter because they don't read, and

469
00:22:49.772 --> 00:22:53.012
that's what happens. But I'll tell you something about Facebook.

470
00:22:53.412 --> 00:22:56.652
Remember what I told you my dad did for a living? He was a?

471
00:22:57.192 --> 00:22:58.911
Trolley. Yeah, trolleys.

472
00:22:58.932 --> 00:23:01.892
Heather, where are we at here? We got A+ students in here. That's good.

473
00:23:02.412 --> 00:23:04.952
No summer school for me. No way, Lucido.

474
00:23:05.532 --> 00:23:09.512
So I don't know if you guys remember, but I had hand-me-downs in

475
00:23:09.552 --> 00:23:11.712
this family. Did you have hand-me-downs?

476
00:23:12.272 --> 00:23:13.012
Yes, I did.

477
00:23:13.092 --> 00:23:14.192
Darn right we did.

478
00:23:14.262 --> 00:23:15.332
Sisters that were older.

479
00:23:15.392 --> 00:23:18.092
You did, huh? It went like this in the Lucido family.

480
00:23:18.112 --> 00:23:21.932
It went girl, boy, girl, boy, girl, boy, boy, girl.

481
00:23:22.032 --> 00:23:22.591
We had eight.

482
00:23:23.312 --> 00:23:26.632
So there was eight of us, and my brother, he was my older brother.

483
00:23:26.692 --> 00:23:30.432
I had another older brother than him, too, because it went girl, boy, girl, boy,

484
00:23:30.472 --> 00:23:32.732
and I was number six, girl, boy, boy, girl.

485
00:23:34.252 --> 00:23:37.952
My brother had a wider foot, and he also had a larger foot

486
00:23:38.012 --> 00:23:41.252
because he was about two years older. My mom was pregnant for 20 years.

487
00:23:41.372 --> 00:23:43.572
I kid you not. She was pregnant 20 years.

488
00:23:44.452 --> 00:23:47.992
So here I am getting these hand-me-down. We all went to St. Isaac Jogues.

489
00:23:48.072 --> 00:23:49.132
You guys know where that is?

490
00:23:49.552 --> 00:23:49.732
Yeah.

491
00:23:50.032 --> 00:23:53.592
So I had the sisters over there. Sister Mary Holy Water was my favorite.

492
00:23:54.532 --> 00:23:56.132
I called her Holy Water for short.

493
00:23:57.112 --> 00:23:59.672
At any rate, I went ahead, and I got his shoes.

494
00:24:00.732 --> 00:24:01.692
Triple Es,

495
00:24:02.512 --> 00:24:03.252
big foot.

496
00:24:04.332 --> 00:24:06.852
And my mom went into the produce truck, and she grabbed

497
00:24:06.912 --> 00:24:10.592
10 of the green

498
00:24:10.732 --> 00:24:14.222
crepe paper that cover the tomatoes so they don't get

499
00:24:14.252 --> 00:24:15.012
frostbitten.

500
00:24:15.972 --> 00:24:19.572
And brings five and five in, jams them into the

501
00:24:19.592 --> 00:24:22.384
shoeAnd now I'm going to St. Isaac's.

502
00:24:22.564 --> 00:24:25.704
I'm in third grade. We had to wear blue pants or

503
00:24:26.424 --> 00:24:28.704
brown pants and blue shirt uniform.

504
00:24:28.764 --> 00:24:31.284
Yeah, that's what they called it, with SIJ on the tie.

505
00:24:31.844 --> 00:24:35.464
And all of a sudden, I'm walking down the hall like I got polio

506
00:24:36.843 --> 00:24:39.764
because the shoes don't fit and the crepe paper's falling out of it.

507
00:24:40.524 --> 00:24:40.744
Yes.

508
00:24:41.114 --> 00:24:44.624
I ruined my feet. There's no podiatrist that want to touch these feet.

509
00:24:45.444 --> 00:24:48.764
So one day I was home and I'm scrolling on my cell phone,

510
00:24:49.404 --> 00:24:50.224
looking at-

511
00:24:50.564 --> 00:24:51.884
Be sad. But suddenly we got-

512
00:24:52.004 --> 00:24:54.444
... stuff on Facebook. Yeah, I did it.

513
00:24:55.044 --> 00:24:57.784
And all of a sudden, some shoes show up

514
00:24:57.864 --> 00:25:01.544
from Johnson Murphy, and I go,

515
00:25:01.614 --> 00:25:05.264
"Oh my God, $99.99. I got to have these shoes."

516
00:25:06.604 --> 00:25:09.964
I go ahead, I put all my information in, my size, everything.

517
00:25:10.064 --> 00:25:12.384
The right size, not the hand-me-down size.

518
00:25:13.364 --> 00:25:16.004
And I get everywhere except the credit card.

519
00:25:16.053 --> 00:25:19.044
And I said to my daughter, she's a lawyer too now.

520
00:25:19.384 --> 00:25:19.924
But at the-

521
00:25:20.064 --> 00:25:23.324
Yeah. "Hey, lawyer, come here for a minute. Can you put Dad's credit card?

522
00:25:23.344 --> 00:25:24.864
He needs his cheaters and he can't see.

523
00:25:24.924 --> 00:25:28.664
I can put the number in and everything." And she looks and says, "Daddy, this is

524
00:25:28.704 --> 00:25:29.724
not a good website."

525
00:25:29.984 --> 00:25:30.664
Mm-hmm. So-

526
00:25:30.954 --> 00:25:31.984
"What are you talking about?"

527
00:25:32.804 --> 00:25:36.124
So I get on the phone, I call Lakeside. You remember where Lakeside is?

528
00:25:36.504 --> 00:25:37.083
Yeah.

529
00:25:37.104 --> 00:25:38.844
It's not going to be there much longer, right?

530
00:25:39.544 --> 00:25:39.554
Yeah.

531
00:25:39.584 --> 00:25:43.394
In fact, I think they closed it. They closed Montgomery Wards, Sears at

532
00:25:43.444 --> 00:25:44.064
Roebuck.

533
00:25:44.484 --> 00:25:44.584
Yes.

534
00:25:45.384 --> 00:25:45.844
What else?

535
00:25:46.284 --> 00:25:47.084
Extension.

536
00:25:47.144 --> 00:25:49.264
Yep. Woolworths, right.

537
00:25:49.424 --> 00:25:50.003
Penney's.

538
00:25:50.044 --> 00:25:51.663
Penney's, right. Well, I don't know.

539
00:25:51.724 --> 00:25:52.264
At any rate,

540
00:25:54.404 --> 00:25:57.954
I'm calling them and I said, "Hey, is this Johnson Murphy?" "Yeah." "You got these

541
00:25:57.984 --> 00:26:01.784
shoes for $99.99?" "That's not our shoes." "It says

542
00:26:01.824 --> 00:26:03.244
Johnson Murphy on the website right here."

543
00:26:03.824 --> 00:26:03.924
Yes.

544
00:26:03.964 --> 00:26:06.404
"It's not our website." "Well, who in the hell's is it?"

545
00:26:07.484 --> 00:26:08.004
"We don't know."

546
00:26:09.124 --> 00:26:12.044
"But I wouldn't trust it." And I looked at my daughter, I said, "How did you know

547
00:26:12.104 --> 00:26:12.544
that, honey?"

548
00:26:13.444 --> 00:26:15.744
Because she's a lot smarter than her dad, I guarantee you.

549
00:26:15.844 --> 00:26:15.944
But

550
00:26:16.904 --> 00:26:19.824
she looked at me and she says, "Dad, is there a return policy?"

551
00:26:20.864 --> 00:26:24.764
"No." "Is there a return address?" "No." "Is there a phone

552
00:26:24.824 --> 00:26:28.723
number, Dad?" "No." "Did you Google about this company or..."

553
00:26:28.733 --> 00:26:30.124
"Johnson Murphy, what am I going to Google?

554
00:26:30.184 --> 00:26:33.504
It's Johnson Murphy." "The problem is, Dad, they don't give you any other

555
00:26:33.544 --> 00:26:36.164
information. And if you were to put your information from your credit card in

556
00:26:36.184 --> 00:26:37.964
there, what shoes would've shown up?"

557
00:26:38.524 --> 00:26:39.484
Nothing.

558
00:26:40.624 --> 00:26:42.224
So everything you do-- And you know what's funny?

559
00:26:43.224 --> 00:26:45.564
I stood on that site for a little bit of time.

560
00:26:45.804 --> 00:26:49.044
I go off the site, I open my Facebook back up,

561
00:26:49.784 --> 00:26:51.844
and shoes are popping up like crazy.

562
00:26:52.144 --> 00:26:52.424
Oh.

563
00:26:52.944 --> 00:26:56.164
It's like there's somebody living in my phone, pushing this information.

564
00:26:56.204 --> 00:26:57.464
"Hey, more shoes."

565
00:26:57.504 --> 00:26:58.304
Definitely watch.

566
00:26:58.404 --> 00:26:59.544
But the best part was,

567
00:27:00.504 --> 00:27:04.424
I know when you guys look at purses and dresses, and you're looking

568
00:27:04.464 --> 00:27:08.164
at things that men and women look at, guess

569
00:27:08.264 --> 00:27:12.124
what? It shows up again and again, and again and again.

570
00:27:12.224 --> 00:27:14.684
Even though you shut the phone down, it comes back at you.

571
00:27:14.964 --> 00:27:15.444
Right.

572
00:27:15.864 --> 00:27:16.984
So they're following you.

573
00:27:17.364 --> 00:27:17.544
Right.

574
00:27:17.664 --> 00:27:18.804
They're watching you.

575
00:27:19.924 --> 00:27:21.064
You know that thing, what's it called?

576
00:27:22.284 --> 00:27:24.924
What's the thing? The thing that turns the lights on/off. What do they call it?

577
00:27:25.764 --> 00:27:26.364
Alexa.

578
00:27:26.453 --> 00:27:27.644
Alexa. Who's got Alexa here?

579
00:27:28.524 --> 00:27:30.544
That thing's listening to me all day, all night.

580
00:27:30.573 --> 00:27:33.304
And I've said, "Alexa, do you hear what I said?" "Yes, sir, I did."

581
00:27:34.844 --> 00:27:38.724
Funny how they put that crap on. Be careful everybody, because years

582
00:27:38.764 --> 00:27:41.044
ago we used to have party lines. You remember that?

583
00:27:41.264 --> 00:27:41.644
Yeah.

584
00:27:41.984 --> 00:27:44.084
How about the long extension line, right?

585
00:27:44.444 --> 00:27:44.844
Right.

586
00:27:44.884 --> 00:27:47.174
Okay. So we also used to have, what did they call them?

587
00:27:47.244 --> 00:27:48.844
One upstairs, one downstairs where-

588
00:27:49.244 --> 00:27:49.254
Extention

589
00:27:49.254 --> 00:27:51.104
... Mom did the laundry. Remember?

590
00:27:51.164 --> 00:27:51.824
Yeah. One down-

591
00:27:51.844 --> 00:27:53.844
It's called an extension? No. Right

592
00:27:53.924 --> 00:27:54.374
... in one of the-

593
00:27:54.484 --> 00:27:55.824
In the laundry room, right.

594
00:27:56.124 --> 00:27:56.534
Laundry room.

595
00:27:56.604 --> 00:27:59.704
I used to listen to my sister's conversations with their boyfriends.

596
00:28:00.824 --> 00:28:01.344
Damn.

597
00:28:01.484 --> 00:28:03.784
Never rat them out, though. Never rat them out.

598
00:28:03.964 --> 00:28:05.284
I knew what time they were coming home.

599
00:28:05.644 --> 00:28:06.044
That's clear.

600
00:28:06.764 --> 00:28:10.584
I want you to realize this. Every single day, there's a new

601
00:28:10.684 --> 00:28:14.544
scam coming through this county, and it's people that don't even live in

602
00:28:14.584 --> 00:28:17.043
this county. They don't live in this state. They don't live in this country.

603
00:28:17.864 --> 00:28:17.964
Yeah.

604
00:28:17.984 --> 00:28:20.164
And how they got the information was?

605
00:28:20.424 --> 00:28:21.784
The cloud.

606
00:28:21.834 --> 00:28:22.164
The cloud, right.

607
00:28:22.984 --> 00:28:25.084
They went ahead and bought the information.

608
00:28:25.344 --> 00:28:29.004
Or better yet, let's say we got six criminals in here

609
00:28:29.504 --> 00:28:33.484
and we all get together and we say, "Let's buy the list that deals with the emails

610
00:28:33.504 --> 00:28:36.304
and the cell phones for Ray Township."

611
00:28:36.944 --> 00:28:37.564
Or malice.

612
00:28:38.064 --> 00:28:39.844
Ah, forget it. We don't need their cell phones.

613
00:28:39.884 --> 00:28:43.864
Let's just get their email address, and let's send out a statement

614
00:28:43.904 --> 00:28:47.304
that says, "Support your local fire and EMS."

615
00:28:48.004 --> 00:28:48.624
That's something.

616
00:28:48.724 --> 00:28:52.124
"And get yourself one of these embroidered shirts for the low price of

617
00:28:52.134 --> 00:28:55.524
$24.95, regularly $39.95.

618
00:28:56.284 --> 00:28:58.784
We're going to get you an embroidered shirt to show your support, and you can wear

619
00:28:58.794 --> 00:29:02.304
it around town and show that you care about your local fire and

620
00:29:02.344 --> 00:29:02.804
EMS."

621
00:29:03.724 --> 00:29:05.164
Now check this out.

622
00:29:05.284 --> 00:29:05.504
Okay.

623
00:29:05.724 --> 00:29:09.124
These all went to emails because somebody bought them all in

624
00:29:09.224 --> 00:29:12.824
Ray Township. That's here in Macomb. Everybody know where that is?

625
00:29:13.304 --> 00:29:13.314
Yeah.

626
00:29:13.324 --> 00:29:15.404
That's way north from here.

627
00:29:15.764 --> 00:29:16.624
Yeah. Down here.

628
00:29:16.804 --> 00:29:18.364
That's where the farm people live, right?

629
00:29:19.004 --> 00:29:19.884
Yes, it is.

630
00:29:19.904 --> 00:29:23.824
And you know what? I go up there, too, and I do these scams presentation.

631
00:29:23.924 --> 00:29:27.854
I showed them the form that was showing up on their email address, and

632
00:29:27.884 --> 00:29:29.524
they all remember it. You know what they said?

633
00:29:30.234 --> 00:29:33.784
"Yeah, we read away." Buy one for your spouse and buy one for your

634
00:29:33.804 --> 00:29:37.284
grandchildren. Buy one for your loved ones.

635
00:29:38.484 --> 00:29:41.984
People are ordering these shirts like crazy. Guess how many shirts got delivered?

636
00:29:42.204 --> 00:29:42.614
Zero.

637
00:29:42.824 --> 00:29:46.324
Zero. So you know how easy it is for me to buy your email addresses?

638
00:29:47.764 --> 00:29:49.644
They save this information, guys.

639
00:29:50.704 --> 00:29:54.604
So anything you fill out in the future, opt out. Opt out. Opt out.

640
00:29:54.844 --> 00:29:58.754
Opt out. Opt out. You all got my booklet that's inside

641
00:29:58.844 --> 00:30:00.284
of these yellow bags.

642
00:30:00.504 --> 00:30:01.324
Yeah.

643
00:30:01.444 --> 00:30:02.164
In the booklet,

644
00:30:03.184 --> 00:30:06.924
on page 22, Lara, L-A-R-A. Page

645
00:30:07.084 --> 00:30:09.204
22. Heather, what color is that page?

646
00:30:09.824 --> 00:30:10.224
Blue.

647
00:30:10.364 --> 00:30:11.104
Blue.

648
00:30:11.674 --> 00:30:11.674
Dark blue.

649
00:30:11.704 --> 00:30:15.584
It's a dark blue on page 22. Lara. If you haven't heard about it,

650
00:30:15.684 --> 00:30:17.944
just remember when you walk out of here, Lara.

651
00:30:19.104 --> 00:30:22.944
Lara is an agency that goes ahead and makes sure

652
00:30:23.004 --> 00:30:26.548
that people are licensedThey regulate the

653
00:30:26.608 --> 00:30:29.968
licensures in the state, and that's a good thing, and I'll tell you

654
00:30:30.028 --> 00:30:33.718
why. Anybody that has HVAC, heating and

655
00:30:33.828 --> 00:30:34.288
cooling,

656
00:30:35.108 --> 00:30:36.608
plumber, electrician,

657
00:30:37.508 --> 00:30:39.608
LARA. LARA.

658
00:30:40.608 --> 00:30:44.238
We want to make sure people coming into our house that are working on our

659
00:30:44.248 --> 00:30:48.188
furnaces or our electrical or our plumbing have a license, number

660
00:30:48.368 --> 00:30:52.268
one. Also, LARA will tell

661
00:30:52.448 --> 00:30:54.948
you on their little website

662
00:30:55.848 --> 00:30:59.588
if there's any complaints against those individuals. Okay?

663
00:31:00.338 --> 00:31:00.338
Okay.

664
00:31:00.888 --> 00:31:04.498
There's complaints. So all of us have homes or

665
00:31:04.888 --> 00:31:08.528
condos, and all of a sudden, you need some work done inside.

666
00:31:08.538 --> 00:31:11.948
What do you do? You try to get word of mouth, "Is this guy any good?"

667
00:31:12.108 --> 00:31:13.928
You go on LARA,

668
00:31:14.748 --> 00:31:17.968
you protect yourself, and you see whether or not

669
00:31:18.828 --> 00:31:22.088
there is any complaints, whether they're licensed.

670
00:31:22.128 --> 00:31:25.248
Was it suspended? If so, how long ago?

671
00:31:26.488 --> 00:31:30.468
Okay? Does this all make sense? After a big storm-- I live out in Shelby.

672
00:31:30.888 --> 00:31:31.188
Okay?

673
00:31:32.128 --> 00:31:33.688
They've got the big trees out there,

674
00:31:35.148 --> 00:31:39.038
and what happens is a bunch of trees fell, and some guy shows

675
00:31:39.038 --> 00:31:42.868
up in a white truck, knocks on my door, and says, "We're going to be

676
00:31:42.928 --> 00:31:46.308
clearing in the area here. Your neighbors and everybody else, we're going to be

677
00:31:46.468 --> 00:31:50.358
bringing a truck out here. We want to stage one time, and we're

678
00:31:50.368 --> 00:31:54.308
going to give 25% off today if you go with us because your

679
00:31:54.368 --> 00:31:56.908
other neighbors were going to get on board, too." The trees were all over the

680
00:31:56.948 --> 00:32:00.848
place. And I looked at him and I said, "Okay." Now, there's nothing on the truck.

681
00:32:01.988 --> 00:32:04.148
I says, "Come on, hold on a minute." I go down my

682
00:32:05.188 --> 00:32:09.028
steps, and I said, "Hold on a minute," and I take a picture of his license plate.

683
00:32:09.648 --> 00:32:12.928
I go to the front of the truck, and I take a picture of his VIN number

684
00:32:13.008 --> 00:32:15.828
over the windshield. I said, "Get next to the truck.

685
00:32:15.888 --> 00:32:19.548
I want to take a picture with you." He goes, "What are you talking about?" I said,

686
00:32:19.558 --> 00:32:22.188
"You got no markings on this truck. It's just a regular white truck.

687
00:32:22.908 --> 00:32:26.228
You got no equipment here. You didn't even give me a card.

688
00:32:27.188 --> 00:32:28.168
Who in the hell are you?"

689
00:32:28.488 --> 00:32:29.468
Yeah.

690
00:32:29.488 --> 00:32:32.108
And he goes, "I told you, we're going to bring our stuff and..." "I know what you

691
00:32:32.208 --> 00:32:32.728
told me."

692
00:32:33.328 --> 00:32:33.567
What's-

693
00:32:34.328 --> 00:32:36.868
"But are you licensed and insured?" "No."

694
00:32:36.988 --> 00:32:37.908
Yeah.

695
00:32:38.428 --> 00:32:41.548
"Have you ever done this before? You said you're going to bring your guys to help

696
00:32:41.628 --> 00:32:45.388
out." I said, "If you go cut one of my branches there, watch this,

697
00:32:46.168 --> 00:32:48.748
and it falls on my house and wrecks my house,

698
00:32:49.588 --> 00:32:51.908
my insurance doesn't cover workmanship.

699
00:32:52.428 --> 00:32:54.607
It doesn't cover negligence on your part.

700
00:32:55.068 --> 00:32:58.028
Or the kid gets up there to cut it and falls out of the tree and falls on his

701
00:32:58.088 --> 00:32:58.348
head."

702
00:32:59.428 --> 00:33:02.968
Now I got a workers' comp lawsuit against me because he becomes my

703
00:33:03.008 --> 00:33:06.728
employee, unless I got a certificate of insurance

704
00:33:07.088 --> 00:33:08.928
for the work that he's doing.

705
00:33:10.108 --> 00:33:12.428
So you got to be careful because here's why.

706
00:33:12.968 --> 00:33:14.568
You know your homeowner's policy?

707
00:33:15.028 --> 00:33:18.908
It says for hail, wind, sleet. It doesn't

708
00:33:18.948 --> 00:33:22.098
say for somebody who doesn't have a license going up and

709
00:33:22.688 --> 00:33:26.148
getting some kid to cut the tree and having the branch fall through your house.

710
00:33:26.888 --> 00:33:30.048
You're on your own. That homeowner's policy will not cover it.

711
00:33:30.888 --> 00:33:32.048
Did I do test one?

712
00:33:32.868 --> 00:33:34.648
Any questions? I need to take a break.

713
00:33:37.168 --> 00:33:38.608
I love doing this, you know that?

714
00:33:38.948 --> 00:33:39.518
Authentic.

715
00:33:39.548 --> 00:33:42.088
Does the Secretary of State sell your information?

716
00:33:42.168 --> 00:33:43.708
At one time, I believe they did.

717
00:33:44.228 --> 00:33:45.408
I'm glad you brought that up.

718
00:33:46.268 --> 00:33:46.278
Oh.

719
00:33:46.308 --> 00:33:49.798
So here's what the deal is. You need to go ahead

720
00:33:50.168 --> 00:33:53.158
and ask that query to the secretary of state.

721
00:33:53.668 --> 00:33:55.308
When I was up at the capital, though,

722
00:33:56.728 --> 00:33:58.828
I was practicing law, like I told you before.

723
00:33:58.888 --> 00:34:01.848
I went up there, my brother passed away, and I said, "Pete, you better reflect on

724
00:34:01.908 --> 00:34:03.648
your life. You're on the back nine.

725
00:34:03.848 --> 00:34:05.428
Maybe the back six, I don't know."

726
00:34:05.968 --> 00:34:06.628
Back three.

727
00:34:06.728 --> 00:34:08.649
Back three. Thank you. I appreciate that.

728
00:34:09.988 --> 00:34:11.828
I hope you go home in one piece, too.

729
00:34:12.688 --> 00:34:15.589
What happens is this, guys. Watch this.

730
00:34:15.848 --> 00:34:19.808
I was up at the secretary of state when I was in the capital,

731
00:34:19.828 --> 00:34:22.069
and I grabbed... Who in the hell was it? Ruth Johnson.

732
00:34:22.528 --> 00:34:24.248
And I say, "Hey, Ruth, I got a question for you.

733
00:34:25.488 --> 00:34:29.008
When I was in practice and there would be an accident and somebody would be knocked

734
00:34:29.069 --> 00:34:32.008
out at the light or whatever else, they take you in an ambulance, they bring you to

735
00:34:32.069 --> 00:34:35.149
the hospital, they can't work on you because they need a patient advocate, a

736
00:34:35.169 --> 00:34:36.478
patient directive they call it.

737
00:34:37.408 --> 00:34:41.008
So the copper set up on the house because they got my license out of my pocket.

738
00:34:41.928 --> 00:34:45.578
So I went to my license already and I looked on the back and it's got a

739
00:34:45.589 --> 00:34:49.569
bunch of barcodes and hash marks. Go take a look at yours

740
00:34:49.609 --> 00:34:50.288
when you get home.

741
00:34:50.968 --> 00:34:50.978
I see.

742
00:34:50.978 --> 00:34:54.968
And those that do not have a license and just have a state ID, that has

743
00:34:55.008 --> 00:34:56.868
the barcodes and the crap on it.

744
00:34:57.688 --> 00:35:01.108
I said, "You know what? I called 3M." They're the ones that supply the

745
00:35:01.148 --> 00:35:04.458
plastic for the driver's license, 3M Company.

746
00:35:05.028 --> 00:35:08.848
And I asked them this question, "You got these barcodes on the back and you got

747
00:35:08.888 --> 00:35:11.368
this other stuff. I don't even care what that is.

748
00:35:11.968 --> 00:35:15.268
I want to know, can I get on the computer and can I go ahead

749
00:35:16.308 --> 00:35:19.608
and have a site for emergency

750
00:35:19.828 --> 00:35:21.548
contact information?"

751
00:35:22.868 --> 00:35:26.388
"Okay." "Yeah, and I can change it at any time I want."

752
00:35:27.608 --> 00:35:31.088
"Yeah." "And it would go to the secretary of state, so when the cop

753
00:35:31.328 --> 00:35:34.318
takes my license and goes through the reader, it'll

754
00:35:34.368 --> 00:35:37.908
tell, 'You call Anne Marie Lucido.'" That's his wife,

755
00:35:38.008 --> 00:35:41.808
okay? He's in the hospital, so that if my wife is out shopping all

756
00:35:41.828 --> 00:35:45.688
day or at her mother's house taking care of her, that she'll

757
00:35:45.708 --> 00:35:48.908
be notified that they're taking me to Mount Clemens General or wherever they're

758
00:35:48.948 --> 00:35:49.448
taking me.

759
00:35:50.288 --> 00:35:50.888
Guess what?

760
00:35:51.738 --> 00:35:54.688
"Yeah, we can do that." I said, "I'd like you to do that.

761
00:35:54.728 --> 00:35:58.628
We're going to save the taxpayers a lot of money by what's called deploying the

762
00:35:58.648 --> 00:36:02.328
police immediately from the scene, calling my wife, and getting her to the

763
00:36:02.428 --> 00:36:02.788
hospital."

764
00:36:03.208 --> 00:36:03.508
Hm.

765
00:36:04.248 --> 00:36:06.268
This is my first case, Judge. How am I doing?

766
00:36:06.788 --> 00:36:07.448
You're doing good.

767
00:36:07.608 --> 00:36:08.328
Yeah. Thank you.

768
00:36:08.408 --> 00:36:09.028
You're welcome.

769
00:36:09.068 --> 00:36:12.748
So guys, today, when you go home, go on the secretary of state's

770
00:36:12.928 --> 00:36:13.628
website,

771
00:36:15.008 --> 00:36:18.758
stateofmichigan.org. Go to Secretary of State, Emergency

772
00:36:18.868 --> 00:36:21.828
Contact, and if you got an ID, they'll have it done.

773
00:36:21.868 --> 00:36:25.738
Fill it out. I have my first wife on there as my emergency

774
00:36:25.848 --> 00:36:28.868
contactHopefully she'll answer the phone because you know what?

775
00:36:29.368 --> 00:36:31.648
I told her, "Never pick the phone up if it's not in your phone book."

776
00:36:32.668 --> 00:36:34.348
"Well, you told me not to answer the phone.

777
00:36:34.368 --> 00:36:36.008
Well, you're telling me not to answer the phone?"

778
00:36:36.128 --> 00:36:36.358
She don't-

779
00:36:36.478 --> 00:36:37.928
They'll leave a message for you.

780
00:36:38.918 --> 00:36:38.918
Ooh.

781
00:36:38.948 --> 00:36:41.528
Isn't that something? You told me not to do something, now you want me to.

782
00:36:42.048 --> 00:36:43.667
This is one time she listening.

783
00:36:43.808 --> 00:36:45.948
Yeah, she's listening. She's been listening for-

784
00:36:46.128 --> 00:36:46.968
You're going to be in trouble.

785
00:36:47.168 --> 00:36:49.268
I've been getting in trouble since the day I was born.

786
00:36:50.208 --> 00:36:53.428
So here's the reality, everybody. You can do that.

787
00:36:53.488 --> 00:36:54.508
What about your houses?

788
00:36:55.468 --> 00:36:58.688
Our clerk in this county did something smart.

789
00:36:59.448 --> 00:37:02.668
We've had-- Really, this has just happened. We got the case now.

790
00:37:03.928 --> 00:37:07.688
There was a caretaker that went into a guy's house, that he was single.

791
00:37:08.068 --> 00:37:08.488
Mm-hmm.

792
00:37:08.888 --> 00:37:12.747
And he went and had her take care of him until she

793
00:37:12.768 --> 00:37:16.488
couldn't do it no more. He went into a facility because he needed

794
00:37:16.708 --> 00:37:20.408
24-hour care. She stayed at the house because she was living there.

795
00:37:20.628 --> 00:37:21.248
No. Mm-mm.

796
00:37:22.028 --> 00:37:25.088
She sold his house while he was in the facility and sold his other house.

797
00:37:25.398 --> 00:37:26.368
Well, yeah.

798
00:37:26.508 --> 00:37:27.788
Well, how in the hell did that happen?

799
00:37:27.868 --> 00:37:31.308
Well, she got the deed from the Registrar of Deed.

800
00:37:31.348 --> 00:37:31.528
Right.

801
00:37:31.788 --> 00:37:34.998
And what ended up happening is she phonized-- Phonolized?

802
00:37:35.728 --> 00:37:36.868
Phony-ized?

803
00:37:38.628 --> 00:37:39.448
Falsified.

804
00:37:39.618 --> 00:37:39.618
Falsified.

805
00:37:39.648 --> 00:37:40.148
Right. Right.

806
00:37:40.528 --> 00:37:42.308
Right. You guys know about that kind of stuff.

807
00:37:42.728 --> 00:37:44.828
Good, I'm dealing with the right people.

808
00:37:44.848 --> 00:37:47.608
As a result, she went ahead and got the money, everything else.

809
00:37:47.648 --> 00:37:51.508
The title company closed it. She had a fraudulent person

810
00:37:51.568 --> 00:37:55.488
notarize it because it was her signature, trying to imitate the man that's

811
00:37:55.568 --> 00:37:57.628
in the critical care,

812
00:37:58.508 --> 00:37:59.828
and sold two houses of his.

813
00:38:00.168 --> 00:38:00.368
My.

814
00:38:00.568 --> 00:38:03.848
Now the brother comes in after the charges start and says, "What the hell kind of

815
00:38:03.888 --> 00:38:07.068
crap is going on in this county?" I said, "You tell me.

816
00:38:07.188 --> 00:38:11.028
This is ridiculous, isn't it?" He goes, "I know it's not your

817
00:38:11.128 --> 00:38:14.748
fault." I said, "I didn't even know who your brother is." But as a result,

818
00:38:15.488 --> 00:38:19.108
I'm going to let you know, you can put now an alert on your

819
00:38:19.128 --> 00:38:22.588
homes, on your condos. It's very easy.

820
00:38:22.608 --> 00:38:24.538
Macombcounty.gov, is that what it is?

821
00:38:25.308 --> 00:38:27.028
It's clerk's office.

822
00:38:27.308 --> 00:38:30.868
Macomb County, just go to Macomb County, get to their website, go to clerk's

823
00:38:30.968 --> 00:38:33.568
office, and it say notification. Why?

824
00:38:33.688 --> 00:38:36.288
If anybody files a lien on your property,

825
00:38:36.848 --> 00:38:40.688
it'll notify you. If anybody

826
00:38:40.928 --> 00:38:43.608
tries to sell your house, it'll notify you.

827
00:38:43.688 --> 00:38:46.378
Why don't they do that automatically without calling?

828
00:38:46.918 --> 00:38:48.488
Well, that would be an invasion of your house.

829
00:38:48.788 --> 00:38:51.248
I'm telling you now, here's the bottom line.

830
00:38:51.388 --> 00:38:55.328
You put it on there, not them. It was your choice to put

831
00:38:55.337 --> 00:38:58.658
the alert on there, not them. They take no liability or

832
00:38:58.708 --> 00:39:00.268
responsibility. But here's what I like.

833
00:39:00.948 --> 00:39:04.587
If you guys don't have alerts on your bank accounts right now, Ms.

834
00:39:04.608 --> 00:39:06.128
Heather, tell them. Come on up here.

835
00:39:07.008 --> 00:39:09.208
You're going to go on now. I got to get a breath.

836
00:39:09.288 --> 00:39:09.358
Yeah.

837
00:39:10.308 --> 00:39:14.148
Alerts on your credit cards, your bank accounts, she's going to tell

838
00:39:14.208 --> 00:39:14.328
you.

839
00:39:15.408 --> 00:39:19.048
Yes, I do all my shopping online, and I have

840
00:39:19.108 --> 00:39:21.388
another thing I want to add onto that, Kate.

841
00:39:21.588 --> 00:39:24.268
Another never is,

842
00:39:25.108 --> 00:39:26.868
since I do all my shopping online,

843
00:39:27.848 --> 00:39:31.788
there are alerts that you can put on your phone,

844
00:39:31.848 --> 00:39:34.008
your bank accounts, any of your credit cards.

845
00:39:34.488 --> 00:39:38.368
Any time anything comes out of any of my accounts

846
00:39:38.448 --> 00:39:42.018
or any transaction whatsoever, whether it's a fee or

847
00:39:42.028 --> 00:39:45.298
whatever, I get a little click on my phone, and I look, and

848
00:39:45.888 --> 00:39:49.768
whether it's 25 cents or my husband uses my card and go

849
00:39:49.888 --> 00:39:53.868
buy something online, I can say, "You used the wrong card." I know instantly

850
00:39:53.908 --> 00:39:56.488
what's coming out of any of my accounts at all times.

851
00:39:57.108 --> 00:39:59.228
You can go on and just turn on all your accounts.

852
00:39:59.948 --> 00:40:03.408
Another thing with me shopping online is,

853
00:40:04.368 --> 00:40:08.028
I sat with my daughter one day. She came home from school, and we were watching a

854
00:40:08.088 --> 00:40:12.068
movie. And the whole time we're watching a movie, she's scrolling on her phone.

855
00:40:12.908 --> 00:40:16.608
And she said, "Mom, one of our packages can't be

856
00:40:16.728 --> 00:40:17.348
delivered."

857
00:40:18.468 --> 00:40:20.908
So I said, "Haley, do not click the link."

858
00:40:22.208 --> 00:40:26.018
She says, "Too late." Like jumps up in a

859
00:40:26.248 --> 00:40:30.068
non-dramatic way, she says, and shut her phone down, shut my

860
00:40:30.088 --> 00:40:33.968
phone down because most of the accounts that we use to shop

861
00:40:34.068 --> 00:40:36.468
on, we have both of our information in there.

862
00:40:36.508 --> 00:40:40.008
Our cards are in the same bank, and they're linked through our accounts.

863
00:40:40.468 --> 00:40:44.398
Two weeks later, our cards did get shut down, both of ours, because

864
00:40:44.428 --> 00:40:46.687
they noticed some activity. The

865
00:40:47.648 --> 00:40:51.208
bank caught it, and we were fine and everything, but any of your

866
00:40:51.268 --> 00:40:54.348
delivery services, any of them, Big Box, Amazon,

867
00:40:54.508 --> 00:40:58.048
UPS, USPS, FedEx, will never,

868
00:40:58.668 --> 00:40:59.828
ever contact you.

869
00:41:00.168 --> 00:41:03.928
Do you understand that? So when you get these emails, when you get these text

870
00:41:03.968 --> 00:41:07.628
messages, do not respond. Do not click on that

871
00:41:07.668 --> 00:41:11.568
link. I know we were all forced to buy online

872
00:41:11.628 --> 00:41:13.088
during COVID. We were.

873
00:41:14.248 --> 00:41:17.908
And it looks like Christmas time at my house when my kids were all home,

874
00:41:18.568 --> 00:41:20.008
packages all over the place.

875
00:41:21.008 --> 00:41:24.508
But let me tell you, I did something right in the capital again.

876
00:41:24.748 --> 00:41:28.568
I came up with porch pirate. You know when they steal your mail, that goes to

877
00:41:28.578 --> 00:41:31.508
the federal government because the federal government runs your mailbox.

878
00:41:32.188 --> 00:41:34.248
But when they put packages on your porch,

879
00:41:35.248 --> 00:41:39.048
the porch is not regulated by the federal government, and those

880
00:41:39.088 --> 00:41:42.588
packages were put there by private industry, UPS,

881
00:41:43.388 --> 00:41:45.808
Amazon. Amazon? What kind of name is Amazon?

882
00:41:46.108 --> 00:41:49.908
I got Amazon coming. At any rate, what I'm going to let you know

883
00:41:49.948 --> 00:41:53.678
is we had no laws to regulate that, so we put it out there, a

884
00:41:53.708 --> 00:41:54.608
five-year felony.

885
00:41:54.668 --> 00:41:55.168
By itself.

886
00:41:55.188 --> 00:41:57.388
But it's very difficult to go ahead-

887
00:41:57.528 --> 00:41:58.038
It's so difficult

888
00:41:58.088 --> 00:42:01.908
... and hold somebody accountable because they park three doors down from

889
00:42:01.968 --> 00:42:05.828
where you live. They wear baggy clothes, baggy

890
00:42:05.968 --> 00:42:09.628
pants, a hoodie, glasses, and they go ahead,

891
00:42:10.168 --> 00:42:11.768
walk three houses down-

892
00:42:12.308 --> 00:42:12.478
This is the next door

893
00:42:12.478 --> 00:42:14.548
... where their car is, and guess what?

894
00:42:15.168 --> 00:42:15.178
No.

895
00:42:15.188 --> 00:42:18.668
They steal the package, and they go ahead-- They usually got sunglasses on, a

896
00:42:18.708 --> 00:42:22.648
baseball cap. So we might be able to pick them up on a door ring

897
00:42:22.748 --> 00:42:26.388
cam, or we might be able to go ahead and pick them up on somebody else's

898
00:42:26.428 --> 00:42:30.413
camera-But the point being is, at least we have

899
00:42:30.464 --> 00:42:34.304
the ability to prosecute them now, and we do find some,

900
00:42:34.844 --> 00:42:38.584
because we get a search warrant and knock the door in, and we find Santa Claus'

901
00:42:38.784 --> 00:42:42.104
workshop of all the packages they'd stole. And you know what?

902
00:42:42.164 --> 00:42:46.034
If you want to go in the business, I'd just follow a UPS truck around or

903
00:42:46.064 --> 00:42:49.334
an Amazon truck, wait for they get off the street, and then help yourself to the

904
00:42:49.344 --> 00:42:53.224
whole street. In fact, get some kids from high school, pay them to do

905
00:42:53.284 --> 00:42:56.244
that kind of stuff. Just go steal. This is what I see going on.

906
00:42:56.544 --> 00:42:57.144
Mm-hmm.

907
00:42:57.244 --> 00:43:01.084
I have to make a joke about it because it's costing us billions, would it be,

908
00:43:01.564 --> 00:43:04.904
every day this is going on. And the other thing is this,

909
00:43:05.504 --> 00:43:05.784
okay?

910
00:43:06.944 --> 00:43:09.454
When you go give your card... Now, watch this.

911
00:43:09.664 --> 00:43:11.024
I go shop at Sam's Club.

912
00:43:11.884 --> 00:43:15.804
I gave my card to the young lady, and now it becomes my credit card when I give it

913
00:43:15.844 --> 00:43:19.424
to her. Because Sam's Club, they used to have just that

914
00:43:19.504 --> 00:43:22.324
ID, and now they made it a credit card for you.

915
00:43:22.464 --> 00:43:25.503
Make it real convenient. They can get you going and coming, they tell me.

916
00:43:26.124 --> 00:43:29.984
He's laughing back there. Anyway, I give it to

917
00:43:30.024 --> 00:43:33.444
her. I don't know these clerks running these registers, and neither do you.

918
00:43:34.924 --> 00:43:37.524
And I'm picking up the stuff from the buggy, and I'm putting it on the belt, and

919
00:43:37.564 --> 00:43:41.124
all of a sudden, I see her take her camera phone out, shoot a picture of my credit

920
00:43:41.184 --> 00:43:41.484
card.

921
00:43:42.384 --> 00:43:43.184
Oh, wow.

922
00:43:44.684 --> 00:43:44.694
Oh.

923
00:43:44.764 --> 00:43:48.324
Now, I got three options here. One is give my card and leave.

924
00:43:48.364 --> 00:43:51.224
Two is tell her, "I'm going to get your manager now.

925
00:43:51.264 --> 00:43:55.084
You're going down." Three is get everything rung up, and when we're all done, I

926
00:43:55.124 --> 00:43:57.744
said, "Now give me your phone." "What?" "Give me your phone now."

927
00:43:58.644 --> 00:44:00.184
And I erased it, and I erased it again.

928
00:44:00.284 --> 00:44:01.343
I said, "Lady, listen to me."

929
00:44:01.464 --> 00:44:02.824
statement was one made yet

930
00:44:02.834 --> 00:44:05.884
"I'm going to say a prayer for you, but you better go take care of yourself,

931
00:44:05.964 --> 00:44:09.724
because this is not right what you're doing." What about giving your credit card to

932
00:44:09.764 --> 00:44:13.024
the lady that waited on you as a waitress at the end of the meal?

933
00:44:14.044 --> 00:44:14.704
They take it to the bathroom.

934
00:44:14.714 --> 00:44:17.684
They take it... Well, mine went to Ohio once and- ... visited Ohio.

935
00:44:18.044 --> 00:44:18.904
Went to SeaWorld.

936
00:44:19.704 --> 00:44:21.244
What I'm trying to tell you is-

937
00:44:21.424 --> 00:44:22.054
It's back to your budget

938
00:44:22.184 --> 00:44:25.284
... why don't they have the machine to come out and do it right in front of you?

939
00:44:25.444 --> 00:44:26.894
They used to have them.

940
00:44:26.894 --> 00:44:29.534
They used to have those old machines where they would literally rip your card and

941
00:44:29.664 --> 00:44:32.844
shred it and everything. We got the things at the gas pump.

942
00:44:32.874 --> 00:44:36.483
Take a look at the gas pump. If it looks like it's coming out like this,

943
00:44:37.004 --> 00:44:39.824
they probably got a reader in there, and they're going to steal your information.

944
00:44:40.644 --> 00:44:42.884
Never let your credit card out of your sight.

945
00:44:43.384 --> 00:44:47.244
I know we all live with this, but never let it out of your sight.

946
00:44:47.384 --> 00:44:51.053
I know it's getting into that. On this booklet, everybody, if you don't have one,

947
00:44:51.144 --> 00:44:54.644
get one before you leave. On page seven, it tells you how to remove your

948
00:44:54.684 --> 00:44:56.744
information from the marketing list.

949
00:44:56.804 --> 00:44:57.584
Oh.

950
00:44:57.644 --> 00:45:01.544
Tells you how to opt out, tells you how to get off the Do Not Call list.

951
00:45:02.184 --> 00:45:03.824
Very, very easy.

952
00:45:04.664 --> 00:45:06.564
I'm going to give you another one. That's this.

953
00:45:07.064 --> 00:45:08.664
Your mailboxes, are they locked?

954
00:45:09.504 --> 00:45:12.404
No. Some of you got mail chutes that go into your house.

955
00:45:12.464 --> 00:45:15.664
That's old school, okay? That's how Mom and Dad Lucido had it.

956
00:45:15.684 --> 00:45:18.864
You got a little slot, goes in there, goes in the coat closet.

957
00:45:18.904 --> 00:45:20.484
You get the stuff out of the coat closet.

958
00:45:20.544 --> 00:45:21.284
Yeah.

959
00:45:21.344 --> 00:45:24.884
But I'm going to tell you now, your

960
00:45:24.924 --> 00:45:28.764
bills come in the mail. Your mail is open if the thing is

961
00:45:28.844 --> 00:45:32.304
open. And on mine, I don't know, Banks of Comerica,

962
00:45:32.924 --> 00:45:36.284
it has my ending balance, my beginning balance. It has the checks I wrote out.

963
00:45:36.764 --> 00:45:40.724
And then on the last page, it has the little pretty checks with who I

964
00:45:40.744 --> 00:45:44.324
wrote them to, with my routing number on the bank statement.

965
00:45:44.944 --> 00:45:46.303
That's my account, everybody.

966
00:45:47.184 --> 00:45:51.144
And my credit card statement comes in once a month, and it shows

967
00:45:51.164 --> 00:45:55.124
the beginning balance, end balance, how much of credit available, and it's got

968
00:45:55.184 --> 00:45:59.024
a bunch of numbers there. And if my credit card is paid out of my

969
00:45:59.064 --> 00:46:03.024
bank account, like a lot of people, where you're not writing that 80 cent or

970
00:46:03.124 --> 00:46:06.954
82 cents for a stamp. I remember my dad b******g and

971
00:46:07.024 --> 00:46:07.544
saying this.

972
00:46:08.364 --> 00:46:08.374
78.

973
00:46:08.404 --> 00:46:08.743
What?

974
00:46:08.804 --> 00:46:09.444
78 cents.

975
00:46:09.604 --> 00:46:12.303
Oh, you must live on the good side of town. I live on the other side of town.

976
00:46:13.924 --> 00:46:16.344
My dad went ahead and said, "Wait a minute.

977
00:46:16.484 --> 00:46:19.523
I don't want my check electronically deposited.

978
00:46:19.624 --> 00:46:22.344
I want it in the mail so I can see it and bring it to Mary."

979
00:46:23.204 --> 00:46:25.744
I said, "Pa, they're not going to give you," but till this day, and then they're

980
00:46:25.764 --> 00:46:28.584
not going to give you the check. Well, they owe it to me.

981
00:46:28.614 --> 00:46:29.134
You have to show-

982
00:46:29.344 --> 00:46:32.084
I worked all my... And I said, "Pa, you got to go ahead and let it go

983
00:46:32.164 --> 00:46:36.044
electronically." But they didn't give me that program when I signed up, and I

984
00:46:36.164 --> 00:46:37.284
paid in 50 years.

985
00:46:38.104 --> 00:46:40.044
I said, "You're going to have to follow their rules, Pa.

986
00:46:40.444 --> 00:46:42.624
They're a lot bigger than us Lucidos." Yes?

987
00:46:42.804 --> 00:46:43.494
What page is it

988
00:46:44.364 --> 00:46:44.584
on?

989
00:46:45.364 --> 00:46:49.284
On page seven, to opt out. Yeah. Please read page seven.

990
00:46:49.924 --> 00:46:49.974
Thank you.

991
00:46:49.974 --> 00:46:50.504
Yes, ma'am.

992
00:46:50.684 --> 00:46:51.853
Yeah, I got a home phone-

993
00:46:52.004 --> 00:46:52.904
Mm.

994
00:46:52.924 --> 00:46:53.344
And-

995
00:46:53.364 --> 00:46:54.304
Hold on one second. Let's see

996
00:46:54.364 --> 00:46:56.364
Hold on. Wait a minute. We got to get everybody.

997
00:46:56.404 --> 00:46:57.764
Everyone, I beg your... One sec, Chase.

998
00:46:57.944 --> 00:47:01.544
I got a home phone. And about eight times a day,

999
00:47:01.724 --> 00:47:05.604
these people are calling me about something Michigan is sending

1000
00:47:05.684 --> 00:47:06.504
for Medicare.

1001
00:47:07.544 --> 00:47:07.554
Okay.

1002
00:47:07.604 --> 00:47:10.624
And I keep hanging up. Should I hang up?

1003
00:47:11.644 --> 00:47:12.224
Don't answer it.

1004
00:47:12.684 --> 00:47:12.884
Huh?

1005
00:47:13.144 --> 00:47:14.644
Don't answer it to begin with. Lines.

1006
00:47:15.444 --> 00:47:17.634
Yeah. You said hang on, talk to anybody that's not-

1007
00:47:17.704 --> 00:47:20.944
Don't pick the phone up. Here's why. My daughter lost her phone.

1008
00:47:21.024 --> 00:47:25.014
She was with her girlfriend. She texted me from her girlfriend's phone, "Dad,

1009
00:47:25.104 --> 00:47:26.004
this is Brianna.

1010
00:47:27.324 --> 00:47:31.014
This is the number I'm at. It's Mary's phone." Why Mary? Let's use another.

1011
00:47:31.244 --> 00:47:35.224
Suzy's phone. We already used Mary. It's Suzy's phone.

1012
00:47:35.924 --> 00:47:38.104
I'm going to call you from this number. Pick it up.

1013
00:47:40.344 --> 00:47:42.344
I got a 50/50 that's Brianna. Okay?

1014
00:47:43.184 --> 00:47:46.474
But if somebody needs to get ahold of you, they're going to leave a message or

1015
00:47:46.504 --> 00:47:49.324
they're going to text you, right? If they really got to get ahold of you.

1016
00:47:49.364 --> 00:47:49.384
Yeah.

1017
00:47:49.904 --> 00:47:52.724
Like the one Lucido, Lieutenant Lucido from Warren PD,

1018
00:47:53.564 --> 00:47:56.764
I'm going to leave a message, and it's going to be the real Warren PD.

1019
00:47:57.624 --> 00:48:00.954
Okay? I want to talk about guardian conservator before we leave here, because

1020
00:48:00.984 --> 00:48:01.924
that's too important to me.

1021
00:48:02.884 --> 00:48:03.904
When I was growing up,

1022
00:48:04.704 --> 00:48:07.864
my sister was nine years old, and she changed my diaper. Okay?

1023
00:48:07.964 --> 00:48:11.944
Because it went girl, boy, girl, boy. Anyway, she took care of me.

1024
00:48:12.044 --> 00:48:14.814
I don't know what my mom was doing. Probably having another baby, cooking, whatever

1025
00:48:14.884 --> 00:48:15.844
was going on in this house.

1026
00:48:16.884 --> 00:48:19.784
It was crazy. Well, I mean, it was a circus going on in that house.

1027
00:48:20.784 --> 00:48:22.224
And what ended up happening was

1028
00:48:23.204 --> 00:48:24.084
a guardian

1029
00:48:25.164 --> 00:48:27.384
takes care of the physical needs of somebody.

1030
00:48:27.504 --> 00:48:28.704
Physical needs, which is-

1031
00:48:28.874 --> 00:48:28.954
I know

1032
00:48:29.044 --> 00:48:32.004
... food, clothing, medical,

1033
00:48:32.384 --> 00:48:36.224
okay?Yeah, showers. Okay.

1034
00:48:36.284 --> 00:48:36.844
Food and-

1035
00:48:36.993 --> 00:48:40.744
Food. Anything to do with non-money. A guardian. A guardian takes care of.

1036
00:48:40.804 --> 00:48:41.444
It's in the book.

1037
00:48:42.464 --> 00:48:46.274
The guardian takes care of the physical needs, food, clothing, shelter, and

1038
00:48:46.304 --> 00:48:49.164
medical. The conservator takes care of the money.

1039
00:48:49.804 --> 00:48:52.403
So you can have two different people do this.

1040
00:48:52.464 --> 00:48:56.184
So my sister, because she changed my diaper and never stuck me with the pins

1041
00:48:56.264 --> 00:48:56.804
back then-

1042
00:48:57.744 --> 00:48:58.404
How do you know?

1043
00:48:58.464 --> 00:49:00.024
Well, she didn't, because I was looking.

1044
00:49:00.904 --> 00:49:04.184
And my mom used to clean them in the toilet, those cloth diapers.

1045
00:49:04.404 --> 00:49:06.924
There was no Diaper-Dry and all that other stuff.

1046
00:49:07.244 --> 00:49:07.484
No way.

1047
00:49:07.644 --> 00:49:09.344
Did you have a diaper service? I never did.

1048
00:49:09.724 --> 00:49:09.843
No.

1049
00:49:09.934 --> 00:49:13.924
No, none of us did. But it was funny because she had four in diapers at the

1050
00:49:13.984 --> 00:49:17.084
time, and she'd hang them outside. I don't know if you had clothes lines out.

1051
00:49:17.384 --> 00:49:17.394
No.

1052
00:49:17.424 --> 00:49:20.044
It looked like a Lacino circus out there in the backyard.

1053
00:49:20.604 --> 00:49:20.744
Yeah.

1054
00:49:20.824 --> 00:49:24.544
But that's what we did. So you got to find somebody who loves you,

1055
00:49:25.104 --> 00:49:28.004
loves you, loves you to be your guardian.

1056
00:49:28.044 --> 00:49:31.224
And don't get somebody older because they're not going to know.

1057
00:49:31.324 --> 00:49:32.884
And somebody to take care of the money.

1058
00:49:32.904 --> 00:49:36.284
And I do these classes, we've done 200 and some odd.

1059
00:49:36.994 --> 00:49:36.994
Hundred and-

1060
00:49:37.004 --> 00:49:40.483
And we've done over 200 of these classes in the county, and here's the other thing.

1061
00:49:40.584 --> 00:49:42.224
Somebody says, "I don't have anybody."

1062
00:49:43.264 --> 00:49:44.104
It broke my heart.

1063
00:49:44.964 --> 00:49:48.264
So I said, "Look it, you should probably talk to a lawyer, okay?"

1064
00:49:48.984 --> 00:49:52.594
Because you want somebody that knows you, that respects you, that

1065
00:49:53.164 --> 00:49:57.104
will look after you, and also not steal from you, so you really got

1066
00:49:57.124 --> 00:50:00.224
to trust them. Because the court will appoint a

1067
00:50:00.364 --> 00:50:04.244
guardian or a conservator, and you don't know them at all, and

1068
00:50:04.304 --> 00:50:08.284
that's a problem in this world. Lastly, this, and I think it's

1069
00:50:08.344 --> 00:50:09.244
just as important.

1070
00:50:09.444 --> 00:50:11.444
They can take money for services.

1071
00:50:11.564 --> 00:50:15.424
Right. But the bottom line is get some family member if you can,

1072
00:50:16.104 --> 00:50:19.924
if you still have family member you love, because I've seen a lot of families that

1073
00:50:20.564 --> 00:50:24.024
fell out of love with their family members, and it's sad. It's sad.

1074
00:50:24.884 --> 00:50:28.724
I want you to remember, though, that you put the alerts on your credit

1075
00:50:28.784 --> 00:50:32.774
cards, you go ahead and put the alerts on your bank accounts, and if you have

1076
00:50:32.884 --> 00:50:36.544
a spouse, then they'll know exactly when you're taking money out and when you're

1077
00:50:36.624 --> 00:50:40.184
using your credit card. And it's good conversation at night at dinner time, you

1078
00:50:40.204 --> 00:50:43.284
know what I mean? "So what'd you buy today?" "Oh, I forgot about the

1079
00:50:43.944 --> 00:50:45.084
alert on the credit card."

1080
00:50:46.544 --> 00:50:50.344
Be careful, guys. And the last thing is, look in the book

1081
00:50:50.384 --> 00:50:53.144
here, because this will take 30 minutes to read.

1082
00:50:53.184 --> 00:50:56.804
It's at every police department, every police department in this county.

1083
00:50:56.864 --> 00:51:00.044
It's in every library. Go out here. It's in your library right here.

1084
00:51:00.404 --> 00:51:02.264
It's in every senior center.

1085
00:51:03.264 --> 00:51:07.214
I want everybody to be on guard because I don't want you to lose any gold in

1086
00:51:07.244 --> 00:51:09.964
your golden years. I want you to keep your gold.

1087
00:51:10.064 --> 00:51:13.763
You worked hard enough, and you want to keep it till the day you die.

1088
00:51:13.804 --> 00:51:17.144
Lord knows we're probably outliving our money. And that's a problem.

1089
00:51:17.704 --> 00:51:21.324
But I want you to go ahead and keep your gold in your golden years.

1090
00:51:21.344 --> 00:51:24.844
So read the book. Forty-five minutes if you're a slow reader like me.

1091
00:51:25.264 --> 00:51:29.104
I'd rather have children in here with their family so that they listen, so that

1092
00:51:29.144 --> 00:51:31.584
they are on guard. And we got a question. Go ahead.

1093
00:51:31.624 --> 00:51:34.864
Before you wind it up. I get a million things on my

1094
00:51:34.904 --> 00:51:37.904
phone numbers and everything all the time with scams.

1095
00:51:38.284 --> 00:51:41.504
But yesterday was the first time I got it on my calendar.

1096
00:51:43.104 --> 00:51:43.464
Calendar?

1097
00:51:43.564 --> 00:51:47.554
On my calendar in my smartphone telling me about all the letters and

1098
00:51:47.564 --> 00:51:50.884
all this and that about something that's going to be delivered, and it's a

1099
00:51:50.924 --> 00:51:53.134
four-year plan, how much it's going to cost and everything else.

1100
00:51:53.184 --> 00:51:55.264
Yeah. So here's the bottom line.

1101
00:51:55.984 --> 00:51:59.824
It's in here. The

1102
00:51:59.884 --> 00:52:03.604
consumer protection through the attorney general, the state

1103
00:52:03.624 --> 00:52:06.844
attorney general. When in doubt, call them.

1104
00:52:07.604 --> 00:52:11.464
When in doubt, call them. They will look into it to see if there is some fraud

1105
00:52:11.504 --> 00:52:13.944
going on. We also have this.

1106
00:52:15.284 --> 00:52:18.274
You're going to see two pamphlets that you'll see all over this

1107
00:52:18.324 --> 00:52:22.114
county. These pamphlets were put together with me when I got home from

1108
00:52:22.144 --> 00:52:24.344
Lansing. One is No Excuse for Elderly Abuse.

1109
00:52:24.884 --> 00:52:27.964
We have the most aging population in this county.

1110
00:52:28.004 --> 00:52:31.724
We have the most diverse population of all different nationalities and

1111
00:52:31.804 --> 00:52:34.094
origins. I want you to be aware that

1112
00:52:35.184 --> 00:52:39.064
No Excuse for Elderly Abuse, when you got people going to hot Meals on

1113
00:52:39.144 --> 00:52:39.554
Wheels-

1114
00:52:39.724 --> 00:52:40.424
Right. Yeah

1115
00:52:40.434 --> 00:52:43.784
... this pains me when they see bruising on an elderly.

1116
00:52:44.084 --> 00:52:44.284
Right.

1117
00:52:44.644 --> 00:52:47.724
And it's not healthy bruises. Remember when we were kids, you fell off the monkey

1118
00:52:47.784 --> 00:52:48.304
bars or the-

1119
00:52:48.604 --> 00:52:48.724
Yeah

1120
00:52:48.804 --> 00:52:52.704
... pole or whatever you're doing, get hit in the head with a baseball.

1121
00:52:52.764 --> 00:52:54.864
Those are healthy bruises, my mom used to say.

1122
00:52:55.293 --> 00:52:58.044
"Oh, yeah, Peter, those are healthy bruises." I said, "Healthy?

1123
00:52:58.084 --> 00:52:59.254
What the heck she talking about?"

1124
00:53:00.184 --> 00:53:02.344
But with our elderly, you know somebody is--

1125
00:53:04.084 --> 00:53:07.944
They've abused them. And you should report it to the adult protective

1126
00:53:08.004 --> 00:53:09.484
services. The same with children.

1127
00:53:10.004 --> 00:53:13.944
We have mandatory reporters in the state, like doctors, and they

1128
00:53:13.964 --> 00:53:16.384
have to mandatorily report to check it out.

1129
00:53:16.424 --> 00:53:18.844
Let's all work together because you know what?

1130
00:53:18.904 --> 00:53:22.664
We got one shot at life, and I want to make sure we're taking the

1131
00:53:22.704 --> 00:53:25.864
best shot we can and helping those that can't help themselves.

1132
00:53:26.504 --> 00:53:29.304
So I love you guys. If you need one of those

1133
00:53:30.764 --> 00:53:33.164
seminars like this, I'll come to your church.

1134
00:53:34.184 --> 00:53:38.124
Heather and I go to churches. She put me in the-- What was it called

1135
00:53:38.204 --> 00:53:38.524
again?

1136
00:53:39.644 --> 00:53:41.464
The Sailing Single Seniors.

1137
00:53:41.784 --> 00:53:44.304
The Sailing Single-- Do you guys know about that?

1138
00:53:44.664 --> 00:53:44.674
No.

1139
00:53:45.684 --> 00:53:49.284
Whoa. I said, "Heather, what kind of organization is this?"

1140
00:53:50.024 --> 00:53:50.224
They're fun.

1141
00:53:50.234 --> 00:53:53.284
"Oh, you're going to fall in love with them." I said, "Yeah, but wait a minute, I'm

1142
00:53:53.324 --> 00:53:53.704
married."

1143
00:53:55.724 --> 00:53:58.924
We went in the back of Ike's, and it was a heck of a-- It was a really great

1144
00:53:58.964 --> 00:53:59.734
presentation. But

1145
00:54:00.844 --> 00:54:04.224
they were drinking during it, so that might make a difference on how they perceived

1146
00:54:04.264 --> 00:54:07.264
the program. But I will come to you.

1147
00:54:07.744 --> 00:54:09.964
I will do this, and I'll make it my mission.

1148
00:54:10.384 --> 00:54:13.804
You set the time and the place, and I'll be there, and we'll make sure you all have

1149
00:54:13.844 --> 00:54:17.544
a booklet. If you need some booklets, take some more before I leave today.

1150
00:54:18.084 --> 00:54:21.584
We are there for you, and that's what I want to do. You had a question?

1151
00:54:21.624 --> 00:54:23.244
Yeah. I have both of them.

1152
00:54:23.274 --> 00:54:23.274
Both of us.

1153
00:54:23.284 --> 00:54:24.624
But we each have a question.