Author / joshuastanley720

pexels
by joshuastanley720

How Seniors Can Safely Store Personal Information

Knowing how to safely store personal information is more important than ever, especially for seniors. As more of our lives go digital, knowing how to protect sensitive information can prevent scams, identity theft, and lost data.

Start by using strong passwords. Avoid simple words or numbers, and instead create passwords with a mix of letters, numbers, and symbols. Consider using a password manager to securely store and organize your passwords. This tool eliminates the need to remember multiple passwords while keeping everything safe in one place.

For physical documents like Social Security cards, financial statements, and medical records, store them in a locked drawer or safe. This keeps sensitive paperwork out of reach from visitors or house staff. Regularly review what documents you truly need, and shred outdated paperwork that contains personal information.

It’s also smart to back up digital files. Use external hard drives or secure cloud services to store important documents like legal forms, bank statements, and medical records. This ensures you can access them in case of a computer issue or cyberattack.

Lastly, be cautious when sharing information. Avoid sending personal details through email or over the phone unless you’re absolutely sure of who’s on the other end.

By taking these steps, seniors can enjoy peace of mind knowing their personal information is stored safely—both digitally and physically.

by joshuastanley720

Understanding the “New Terms and Conditions” Social Security Scam

Do you accept the new terms and conditions?

This phrase has become so common in the digital age, we often don’t think twice about it.

But if you’ve got an email in your inbox talking about “new terms and conditions,” it could be a scam. This is especially true if it claims to be from the Social Security Administration.

Such a communication can seem innocent enough, and even look legitimate depending on how it’s prepared. However, it can actually be used to get your personal information.

This Social Security Scam is Already Landing in Inboxes

As reported here, this scam is well documented. And as a new year sets in, it’s a prime opportunity for scammers to weaponize this old trick.

This email targets people receiving Social Security benefits or those who have recently applied. It presents itself as a standard SSA communication. The purpose is supposedly to inform people about new terms and conditions to their account.

The idea is to get people to click a link and agree to these new terms – but in reality, they’re agreeing to hand over their information to fraudsters. It’s a subtle trick, so make sure you know how to spot it.

If you get any email claiming to be from the SSA, contact the organization directly. Never click a third-party link as a means to access your account. If there are any updates to terms and conditions, you’ll find out from the official source.

If it turns out the email was a scam, you can report it to help crack down on these activities and protect others in the process.

Emails and communications like this are all too common. But by staying vigilant, we can protect ourselves and one another. Want more insights into scams and how to stay safe? Follow our blog page! We post anti-scam awareness content every week. Let’s protect our information – together!

Facebook – Twitter

by joshuastanley720

Don’t Fall for These Dangerous “App Download” Scams

Tech support scams are becoming more convincing – and more dangerous – especially for seniors and retirees who rely on technology for everyday life.

These scams often start with a phone call, email, or pop-up alert claiming there’s an urgent problem: a suspicious Amazon order, a large credit card charge, malware on your computer, or even an issue with your Social Security. The goal is to create fear and urgency so you act before thinking.

What many people don’t realize is that the real danger doesn’t come from the fake problem – it comes from what the scammer asks you to do next. Understanding how these scams work, and knowing a few clear rules to follow, can help protect your money, your identity, and your peace of mind.

Tech Support Scams: What to Know and How to Stay Safe

In a typical tech support scam, the scammer pretends to represent a trusted company or agency. They may claim they’ve detected fraud, unauthorized activity, or harmful software on your device. Then they instruct you to download an app, click a link, or scan a QR code so they can “fix” the issue.

That app does the opposite of helping. It gives the scammer remote access to your computer or phone, allowing them to see personal information, access financial accounts, and even lock you out of your own device.

One of the most important rules is simple: never download apps, software, or updates at the request of an unexpected caller, email, or message, and never scan QR codes from unknown or untrusted sources.

If you receive a call or message claiming to be from Amazon, your bank, a tech company, or Social Security, end the communication immediately. Do not click links or continue the conversation. Instead, contact the organization directly using a phone number or website you trust.

Additional safety tips include ignoring pop-up warnings that demand immediate action, using strong and unique passwords, keeping your devices updated, and talking with a trusted friend or family member before responding to urgent requests. Staying informed is one of the best defenses against scams.

For more tips on avoiding scams, bookmark our page and follow us on Facebook.

by joshuastanley720

Survey Reveals Financial Fraud is a Major Senior Health Concern

They say health is the greatest wealth, and for good reason.

There’s no denying that being financially well-off can benefit a person’s health. The opposite is also true, as financial worries can exacerbate or even cause health issues, especially for seniors.

A recent survey from the University of Michigan shows that financial fraud and other scams aren’t just a problem for seniors – they’re one of the most serious health concerns people in this age group face.

Financial Fraud Ranks as One of Seniors’ Top Concerns

According to the National Poll on Healthy Aging, fears about financial fraud rank in the top four concerns of seniors when it comes to their well-being.

On a list of the 10 biggest worries seniors face regarding their health, costs dominated the top three spots. Specifically, concerns about the cost of medical care, assisted living, and prescription medications. But the fact that financial fraud ranks so close behind shows how serious this concern is.

Financial scams can rob seniors of their life savings. They turn what should be a fairly earned, secure retirement into a nightmare of uncertainty. Many scams involve Social Security, and these can put a person’s benefits in jeopardy in some cases.

Perhaps worst of all, these instances of fraud can take a person’s peace of mind. Scams can make a person feel vulnerable and violated, raising their stress levels. In addition, being targeted may make a person less likely to interact with the outside world. This interaction is crucial for seniors and older individuals who need to avoid loneliness as they age.

We here at The Seniors Center understand how serious scams are. It’s why we publish weekly content on how to avoid financial fraud, Social Security schemes, and other types of crimes designed to defraud seniors and people of all age groups.

To make sure you never miss a post on how to protect your identity, information, finances, and health, take a second to bookmark our page today.

by joshuastanley720

No, Your Social Security Number Isn’t “Suspended”

Most of the things that chill us to the bone are works of pure fantasy.

Think about the terrors on the silver screen, or the spine-tingling scenes in the pages of great books. Most of what scares us is the unknown, or more specifically, the seemingly impossible.

As we’ve discussed, scammers love to use fear to prey on people. So when you get a call or an email saying your Social Security number is suspended, feel confident in knowing this is another fantasy created to scare you, and not a legitimate communication.

Why Suspended Social Security Number Scams Are Effective

Think about how many ways we use our Social Security number. This crucial data point comes up again and again in life and work.

A Social Security number is key for identity verification. It’s key in us receiving the retirement benefits we’ve fairly earned. There’s also its use in tax purposes, security clearances, and more.

As discussed here, this type of scam is all too common. It takes people by surprise, and this state of shock can render them vulnerable. It’s then that the scammer on the other end of the line will tell the fearful target that they can “reinstate” the number by verifying it, paying money, or sharing other personal information.

While these scams are real, the concept of your number being suspended is false. If you are targeted by a scam like this, cease all communication with the other party. Contact the Social Security Administration directly and tell them about what happened.

This way, you can report the fraud to protect others. You can even put a flag on your number if you believe it may be in danger.

For more facts about avoiding Social Security scams like suspended numbers and more, follow our page.

Facebook – Twitter

pexels
by joshuastanley720

Common Social Security Scams During COLA Season

We recently talked about the “Claim Your COLA” scam — where fraudsters try to trick retirees into “activating” their Cost-of-Living Adjustment. Unfortunately, that’s only one of several scams that surface this time of year, when attention is high on Social Security payments and policy updates.

Scammers know that COLA season brings confusion and curiosity. They take advantage of that by pretending to be government representatives, sending emails, texts, or letters designed to look official. Here are a few of the most common tactics:

1. “Confirm Your Payment Schedule”
Fraudsters may claim they need to “verify” your date of birth, bank account, or Social Security number to confirm when your COLA increase will arrive. The SSA never asks for personal details this way.

2. “You’re Owed an Additional Adjustment”
Some messages suggest you qualify for extra funds — but only after confirming private information. This is a classic bait-and-trap designed to steal your identity or bank data.

3. “Policy Changes Due to a Government Shutdown”
Scammers sometimes exploit headlines, claiming a shutdown or funding delay has changed how benefits are issued. These messages are false and often lead to phishing sites.

4. “Fee-for-Service Help”
Be wary of anyone offering to “expedite” your COLA or handle Social Security paperwork for a fee. There are no shortcuts — and official help from SSA is always free.

If you ever receive a suspicious message, don’t respond or click any links. Contact the Social Security Administration directly at 1-800-772-1213 or visit them online for accurate information.

A little skepticism goes a long way — especially during COLA season, when scammers are most active.

by joshuastanley720

How to Avoid Holiday Shopping Scams

The holiday season is a time for cheer, but it’s also a prime opportunity for scammers to target unsuspecting shoppers with holiday shopping scams. With a little vigilance, you can protect yourself and your personal information from falling into the wrong hands.

One common scam tactic is sending phishing emails or physical mail that includes enticing discounts and QR codes. These offers often claim to save you big on your holiday shopping, but they may direct you to malicious websites designed to steal your personal and financial information. Always be cautious with QR codes or links from unknown senders, and verify offers with the retailer directly.

Stick to discounts and deals from reputable companies you know and trust. If a deal seems too good to be true, it probably is. Scammers often impersonate well-known brands, so double-check URLs for slight misspellings or extra characters, as these can indicate a fake site.

Other tips to stay safe from holiday shopping scams include:

  • Monitor your accounts regularly: Keep an eye on your credit card and bank statements for any unauthorized transactions.
  • Use secure payment methods: Opt for credit cards or payment services like PayPal, which often provide better fraud protection than debit cards.
  • Update your passwords: Strengthen your passwords and avoid reusing them across multiple accounts to minimize risk.
  • Be wary of gift card requests: Scammers may pose as relatives or friends, asking you to purchase gift cards. Verify the request before acting.

The holidays should be a joyful time, not one marred by fraud. By staying vigilant and sticking to trusted retailers, you can shop safely and focus on what matters most—spreading holiday cheer.

Stay informed and protect yourself this season!

by joshuastanley720

Beware of Scams: No Need to “Claim” Your Social Security COLA

Scammers are always looking for new ways to target seniors. COLA season is an opportune time for those who seek to defraud older individuals.

One of the latest schemes involves pretending to be from the Social Security Administration (SSA). These fraudsters will call or email, claiming that seniors need to “claim” their 2026 Cost-of-Living Adjustment (COLA) or risk losing it. The goal? To steal personal information like Social Security numbers, bank details, and even payments.

No Need to Claim Your Social Security COLA – It’s Done for You

It’s important to know that you do not need to take any action to receive your COLA. The SSA automatically applies it to your benefits – no calls, forms, or claims necessary. If someone contacts you saying you need to claim it, that’s a red flag.

These scammers often sound professional and convincing. They may use scare tactics, saying your benefits will stop or you’ll miss out on the increase if you don’t act immediately. They’ll ask for personal information, claiming they need it to “verify” your identity or process your COLA.

Here’s what you need to know: the SSA will never call you out of the blue and ask for your personal information. Any changes to your benefits, including COLA increases, are automatic. If you receive a suspicious call or email, don’t engage. Hang up or delete the message, and report the scam to the SSA’s Office of the Inspector General.

Staying informed is the best defense against these scammers. Always protect your personal information and remember that legitimate organizations, including the SSA, will never ask for sensitive details over the phone or via email. By staying vigilant, you can safeguard your benefits and avoid falling victim to these dangerous schemes.

by joshuastanley720

Beware of Social Media Investment Scams

Social media investment scams are becoming more common, leaving victims with significant financial losses.

Investing in stocks should be a fair opportunity for companies and investors to grow together, but scammers take advantage of market speculation to deceive and manipulate others.

Today, we’re highlighting what financial analysts refer to as a “pump-and-dump” scheme, where investors are pressured to buy into a stock, driving up its price artificially, only to be left with losses when the bubble bursts.

Spotting the Signs of a Fake Investment Scheme

Many investors seek expert advice—whether they’re newcomers learning the basics or experienced traders looking to refine their portfolios.

This is where scammers see an opportunity. They’ll pose as experts on social media, sometimes even spoofing the identities of celebrities, and encourage their victims to invest heavily in a specific stock. They claim their “expert analysis” ensures the stock will skyrocket and they urge investors to get in early for maximum gains.

In reality, they’re creating a buying frenzy to drive up the stock’s price—so they can sell off their own shares at the peak. Once they cash out, the stock crashes, leaving unsuspecting investors with steep losses.

There are some warning signs to look for. Make sure you’re getting advice from a seasoned investor you know and trust. If it’s a well-known figure, check their official channels to verify the information. Scammers often create fake profiles or use manipulated screenshots to appear credible.

Scammers thrive on urgency and exclusivity, pressuring victims to act fast before they have time to think critically. Legitimate investment professionals understand that sound financial decisions take time and that there’s no guaranteed shortcut to wealth in the stock market.

If someone directs you to invest specific amounts into specific stocks, be wary—it’s a classic manipulation tactic. An even bigger red flag is being given a script on how to respond if questioned. This is often a ploy to shield scammers from scrutiny while keeping you in the dark.

Trust your instincts. If something feels off, step back and consult a reputable financial advisor before making any moves.

For more content on avoiding social media investment scams, Social Security fraud, financial schemes, and more, follow our blog.

by joshuastanley720

The Facts About Scams Involving Checks and Credit Cards

Over the past couple of weeks, we’ve discussed how scammers use certain tools to defraud victims.

In a recent post, we talked about the dangers of instant payment apps. We also followed it up with a post discussing how credit cards and checks are much safer.

However, it’s important to mention that “safer” doesn’t mean risk-free. These payment methods are not immune to fraud. Knowing how scammers can weaponize these familiar payment solutions can help you use them in a way that’s safe and doesn’t put your finances (or your peace of mind) at risk.

How Scams Work Using Checks and Credit Cards

One of the most common check scams takes advantage of federal “funds availability” rules. Under Regulation CC, banks are required to make at least part of a deposit available quickly—often the next business day, with most funds available within two business days. That availability can create a false sense of security.

This scam typically sees the perpetrator send the victim a check, which could be to cover equipment for a job, or transaction fees for a larger sum of money that the victim is promised. The scammer may also pretend to buy an item you’re selling online, send a check for extra, and ask you to return the difference.

A fake or altered check may appear to clear. But days later, the bank can discover it’s counterfeit and reverse the transaction. By then, the victim may have already sent goods, wired money, or refunded the “excess” from an overpayment scam, only to find themselves on the hook for the missing funds.

Credit cards offer stronger consumer protections, but they are not immune to fraud. Skimming devices at gas stations or ATMs can capture card data, which criminals then use to clone cards. Account takeover fraud is also on the rise, with scammers tricking victims into revealing login credentials through phishing emails or fake customer service calls.

The good news is that federal law limits your liability for unauthorized credit card use, provided you report it quickly. Still, resolving disputes can take time and effort, and merchants are often left absorbing the losses.

Stay Vigilant to Avoid Credit Card and Check Scams

The takeaway? While checks and credit cards are safer than instant payment apps, they are not foolproof.

Staying vigilant, monitoring accounts, and understanding how these scams work are key to protecting yourself. Never send money to someone you don’t know personally, always check card scanners carefully before using them, and report any suspicious activity to the appropriate financial and legal authorities.

For more tips on scam avoidance, bookmark The Seniors Center blog.