Every year, scammers use cunning schemes to cheat millions of people. They frequently combine old tricks with new technology to convince people to provide them with their personal information or send them money. So, here are 10 ways to avoid scams to keep you a step ahead of them.
1. Watch Out For Imposters
Scammers frequently masquerade as somebody you trust such as an establishment you do business with, a charity, a family member or a government official. Never wire/send money or provide your personal information in reply to an unforeseen request whether you received it via email, phone call or text.
2. Perform Online Searches
Key in a product name or company into your desired search engine with words such as “scam,” “complaint,” or “review.” Likewise, search for phrases that characterize your situation; for example, “call IRS.” You can also search for telephone numbers to find out if others have filed a report on them as being a scam.
3. Don’t Trust Your Caller ID
Nowadays, technology makes it a piece of cake to falsify the information on your caller ID, so the number and name you see are not necessarily real. If somebody calls you requesting your personal information or money, hang up immediately. If you believe the caller may be speaking the truth, call them back at a number you’re sure is genuine.
4. Never Pay Upfront On A Promise
Somebody may request you pay upfront for things such as a job, mortgage assistance, loan and credit offers or debt relief. They may even tell you that you have won a big prize, but before you can collect you are required to pay fees or taxes. Don’t fall for it. If you do send them money, you’ll likely never see it again.
5. Scrutinize How You Pay
Credit cards come with quite a lot of protection against fraud built in; however, a few payment methods do not. Sending/Wiring money via services such as MoneyGram or Western Union is extremely hazardous because it is virtually impossible to recover your money. This also holds true for reloadable cards such as Vanilla, Reloadit or MoneyPak. Legit companies and government offices will not require you to pay using these methods.
6. Talk With Somebody
Prior to you handing over your personal information or money, talk with somebody you trust. Scammers want you to make instant decisions. They may go so far as to threaten you. Slow down. Verify their story, perform a search online, seek advice from an expert or just simply speak to a friend.
7. Don’t Answer Robocalls
Should you pick up a phone call and receive a recorded sales pitch, hang up the phone immediately and report it. Calls such as this are illegal, and frequently the products are fake. Do not press “1” to talk to a person or to remove yourself from their list. That may lead to receiving even more calls.
8. Be Suspicious Of Free Trial Offers
Some business make use of free trial offers to get you to sign up for products and then charge you monthly till you cancel. Prior to agreeing to a free trial, do some research on the company and make sure to read their cancellation policy. Moreover, make sure to look over your monthly statements for unwanted charges.
9. NEVER Deposit Checks Then Wire Money
According to U.S. law, banks are required to make funds from checks you deposit accessible within a few days; however, discovering a bogus check may take weeks. If a check you have deposited winds up being bogus, you are held accountable to repay the bank.
10. Keep Up To Date
You can sign up for free with the Federal Trade Commission (FTC) to be notified on the latest scams.
For more information, check out this video:
The Bottom Line
So, I hope these 10 ways to avoid scams was helpful. Please share this article with your friends and family in order to keep them safe. If you believe you have been a victim of a scam or have spotted a scam, please report it immediately here and on my website here or in the comments below. By reporting these scams, you are helping to bring these scammers to justice and helping out others avoid being scammed.
Do you have any other ways to avoid being scammed? Please tell me about it in the comments below. I’d love to hear from you.
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