Scams are becoming more common, especially targeting older adults who might be less familiar with new technology or online threats. The American Association of Retired Persons (AARP) has issued warnings about rising scams aimed at stealing personal information and money. It is important, not just for seniors but for everyone, to stay informed and protect themselves from these deceptive tactics.
If you or your loved ones use the internet or phone for banking, shopping, or social communication, you should learn about the latest scams. Knowing how scammers operate can help you recognize suspicious activities and prevent financial loss or identity theft. Here are three crucial things you need to know according to the official AARP website.
1. Scammers Often Pretend to Be Trusted Sources
One common trick scammers use is pretending to be someone you trust, like government officials, banks, or well-known companies. They may call, text, or email claiming you owe money or have won a prize. The goal is to make you act quickly without thinking. For example, a scammer might say they are from the IRS or Social Security Administration demanding unpaid taxes. Remember, real government agencies never threaten or demand immediate payment over the phone.
According to the Federal Trade Commission (FTC), you should never give out personal information like Social Security numbers or bank details unless you are certain of the caller’s identity. If you receive suspicious calls, hang up and contact the official company or agency directly.
2. Watch Out for Tech Support and Online Shopping Scams
With the rise of online shopping and digital devices, tech support scams and fake websites have increased. Scammers might call pretending to fix a computer problem or say your device has a virus. They usually ask for remote access or payment to “help.” Another growing scam happens on popular e-commerce platforms, where fake sellers offer deals that seem too good to be true, only to take your money without sending the product.
The AARP recommends keeping your software updated and using trusted websites for online purchases. It is also important not to click on suspicious links or pop-ups, which might install harmful software on your device. Learn more about staying safe from these scams at the National Cyber Security Alliance.
3. Protect Your Personal Information at All Times
Scammers often try to gather bits of your personal information to steal your identity or access your financial accounts. This can happen through phone calls, emails, social media, or even in person. Never share your passwords, bank account numbers, or credit card details with strangers, no matter how convincing they seem. Also, be cautious about what you post online, as oversharing can make you a target.
Experts recommend regularly checking your bank statements and credit reports for any suspicious activity. If you notice anything unusual, report it immediately to your bank or the proper authorities. The IdentityTheft.gov website offers a helpful guide to recovering from identity theft and protecting your data.
Staying alert and informed about scams is a powerful way to protect yourself and your family. By understanding how scammers operate and following trusted advice, you can avoid falling victim to these deceitful schemes. Remember, if something feels wrong or too good to be true, it probably is. Stay safe and always verify before you trust.
