🕵️Traits of a Scammer

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“Bailey, you won’t believe it!” My grandmother shouted out to me during a weekend visit. I ran to her aid expecting the worst. To my surprise, she said, “Your Grandpa and I won an all inclusive, free cruise vacation. The man on the phone said all I had to do was give him my address, and he would send us the tickets!” She exclaimed. “Urm, was there any other information he asked for?” I asked. “Well, he of course needed the routing and account number for our joint checking account to link it to our room for any room service we incur during our stay. Oh! And my social security number.”

We’ve all heard a version of this story. Our later-in-life loved ones get a phone call with an offer to get something for “free”, and all they need to do is exchange personal information for it.

These are scams targeted at people who are not technologically advanced, or have a brain disease (Alzheimer's, dementia, etc.) like my grandmother. It has never been more important to keep our loved ones informed about the dangers to their personal information.

In today’s email:

• Traits of a Scammer. Sharable traits of different types of scams.

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MY OBSERVATION IS…

🕵️Traits of a Scammer

Typically when we think of a thief, we picture masked burglars carrying bags of cash and weapons but times have changed. Instead of the carefully designed bank robberies that we’re used to seeing movies like Ocean’s Eleven, crimes are now being carried out virtually.

In fact, there are an average of 97 victims of cyber crime every hour, or one victim every 37 seconds. In 2022, two internet users had their data leaked every second, which is an improvement from 2021, when six users had their data leaked every second.

Today’s newsletter is dedicated to recognizing traits of a scammer to help others avoid identity theft and bank fraud.

Be Skeptical of Unsolicited Calls and Emails

Don’t answer calls from unknown numbers. Let them go to voicemail. Be cautious of emails from unfamiliar senders, especially those asking for personal information or urging immediate action.

There’s really no reason to answer phone calls from unknown phone numbers. If it’s a legitimate call, they will leave a voicemail.

Never Share Personal Information

Do not share your Social Security number, bank details, or passwords over the phone or online unless you are sure of the recipient’s identity. Be cautious if someone asks for your personal information out of the blue, even if they claim to be from a reputable organization.

Verify the Source

If you receive a call, email, or message from someone claiming to be from a well-known company or government agency, hang up and call the official number to verify.

*Check email addresses closely. Scammers often use email addresses that look similar to legitimate ones but have small differences.

Use Strong, Unique Passwords

Create strong passwords for your accounts and avoid using the same password for multiple sites.

Consider using a password manager to keep track of your passwords. Google Password Manager is heavily encrypted and free to use.

Enable Two-Factor Authentication (2FA)

Enable 2FA on your important accounts. This adds an extra layer of security by requiring a second form of identification in addition to your password.

Be Cautious with Links and Attachments

Don’t click on links or download attachments from unknown or suspicious emails and messages. These could contain malware. Hover over links to see the actual URL before clicking.

Keep Your Software Updated

Regularly update your operating system, browser, and software to protect against the latest threats.

*Enable automatic updates where possible.

Monitor Your Accounts Regularly

Regularly check your bank statements, credit card statements, and online accounts for any unusual activity.

*Report any suspicious activity to your bank or the relevant institution immediately.

Beware of Pressure Tactics

Scammers often use pressure tactics, such as creating a sense of urgency or fear, to get you to act quickly. Take your time and think it through.

*If an offer seems too good to be true, it probably is.

Educate Yourself and Stay Informed

Stay informed about common scams and new techniques scammers are using. Consider attending local workshops or webinars on cybersecurity and scam prevention.

Use Secure Websites

When shopping or banking online, make sure the website is secure. Look for “https” in the URL and a padlock symbol in the address bar.

Avoid entering personal information on unsecured websites.

Consult with Trusted Friends or Family

If you receive a suspicious call or email, consult with a trusted friend or family member before taking any action.

They can help you determine if it’s legitimate or a scam.

Please share this with anyone who may need advice on how to avoid scams 😊😊

_{Written by Bailey Hepler}

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Yep, I’m now taking questions! Respond to this email with an office dilemma and I will include it in next week’s newsletter with my thoughts 🙂

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