My Fellow Seniors

Here is a real eye opening statistic straight from the American Association of Retired Persons, every three seconds someone gets scammed or their identity is stolen. Now it doesn’t say if this statistic is in regards to older Americans but it is common knowledge that the senior population is more easily conned and gets scammed more often than other age groups. At the risk of repeating myself, and even though this information applies to all age groups, I am specifically addressing this to America’s senior population, of which I am a member.

Please do not click on any pop up advertisements no matter how tempting it may be. This is one of the most popular ways your computer becomes infected with malware and how it can steal your personal information. The same is also true for opening emails from someone you don’t know. The biggest instigator in both of these activities is curiosity. Some people just can’t stand it, they are so curious about an unknown email or advertisement, and they just can’t resist looking into it further, and that’s where the trouble starts. This is clearly evident in unwanted phone calls. Have you ever received an unknown phone call only to find that when you answer it’s some kind of insurance or credit card scam? I think that most people handle those types of calls fairly well, but what trips them up the most is the call when answered, there is no one there, or a distinct click from hanging up, or worse someone on the other end is talking and is extremely difficult to understand.

Here’s how to prove to yourself that what I am saying is absolutely true. The next time you get a call from someone or a number you don’t recognize, don’t answer it, instead Google it and look for a link for 800 Notes. This is a site where individuals can report a number and what was experienced from the call, as well as personal comments. Curiosity is really piqued at this point and you’ll see comments like, “who is this?” “I get calls from this number several times a day and I want it stopped.” “When I answer, there is no one there, this is really annoying, how do I make them stop calling me?” If I Google a number it is only to confirm what I suspect, that it is a scam, and most of the time it is just that, a scam. I have even read comments like, “when I tried to call the number back I get no response or the number is not in service.” Why would you bother to call the number back? There is only one reason I can think of, you are curious and you’re afraid you might be missing something, but take my word for it, the only thing you’re missing is a big bunch of trouble. I get calls every once in a while from all over the country and if I don’t recognize the number, I don’t answer, and if I’m curious I’ll Google the number, but I hardly do that anymore because I already know it’s a scam. My hard and fast rule is if I don’t recognize the number, I don’t answer, I don’t care who it is, and if it’s really important they can leave a voice mail message, but they never do.

If you like the flurry of activity in on line auction sites, I don’t see any problems with that as long as you keep your guard up. My brother owns an automotive repair shop and he is very well known in the town where he lives. He sells used parts on E Bay and he does quite well. As legitimate as E Bay is scammers will pose as buyers and pay with fake checks or money orders. Some of these scammers will send a very real looking check for more than the sale price and ask you to send back the difference. This is a variation of the Ponzi Scheme and of course by the time your bank realizes that the check is bogus, it’s too late, and the scammer already has your money.

Always use your credit card because it offers better protection against fraud than your debit card and checking account. When I do business on line, I like to run everything through my Pay Pal account, and in fact I have gone so far as not doing business with a web site that does not use Pay Pal.

Stay away from free trial offers no matter how good it looks.  I’ve read horror stories about individuals signing up for a free trial and then they get locked into a contract that is difficult to cancel and when the product doesn’t live up to its claim, the consumer has a difficult time cancelling the contract or order. In some cases I’ve read reports where some individuals were required to submit to specific procedures, such as filling out a cancellation form in a particular way that may be hard to understand for most folks, and some victims have even said they weren’t able to contact the company in question by phone or they never responded to their email.

To be in compliance with United States Federal Trade Commission Regulations, I must tell you that I, or my publishing company, may receive a commission from the sale of these products or programs. It takes a great deal of time to research, investigate, assemble, and publish, and to be honest, the few dollars  in commissions I, or my company, make in bringing you the best of the best in programs are what keeps my company going.  Allow me to take this time to thank you for reading this article and reviewing the following offers.


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