Written by Emma Collins
Scammers are everywhere, and they're getting more sophisticated. Here's how to protect yourself.
Someone "falls in love" with you online, then needs money for emergencies, travel, medical bills. Red flag: You've never met in person.
"Guaranteed returns!" "Get rich quick!" "Exclusive opportunity!" If it sounds too good to be true, it is. Bernie Madoff promised consistent 10-12% returns - it was a Ponzi scheme.
"You owe back taxes, pay immediately or we'll arrest you!" Real IRS never calls demanding immediate payment or threatening arrest.
Popup says your computer is infected, call this number. They remote into your computer and steal info or demand payment.
"Grandma, I'm in trouble, I need money wired now!" Scammers impersonate grandkids in emergencies.
Fake investment platforms, pig butchering scams (befriend you, convince you to invest in fake crypto).
They "hire" you, send a check to buy equipment, ask you to wire back the excess. The check bounces, your money's gone.
Fake messages from "your bank" or "Amazon" with links to steal your login info.
Scammers create urgency. Always take time to verify.
If "your bank" calls, hang up and call the number on your card. Don't use the number they give you.
Real companies don't ask for passwords, SSN, or account numbers via email/text/phone.
Password managers (Bitwarden, 1Password) generate and store complex passwords for every site.
Even if someone gets your password, they can't access your account without your phone.
Scammers create fake websites. amazon-security.com is not Amazon.com.
If someone contacts you out of the blue with an opportunity, it's probably a scam.
Search "[company name] scam" before sending money. Others have likely been targeted too.
Wire transfers are like cash - once sent, they're gone forever.
If something feels off, it probably is.
Remember: Scammers are professionals. Smart people fall for scams. Don't be embarrassed - just be vigilant.