Over the past several years, I have used this column numerous times as a community resource to discuss the latest scams and how to avoid becoming a victim of a scam. It is estimated senior citizens are robbed of roughly $3 billion (yes, billion with a “b”) a year in financial scams, healthcare scams and identity theft. Scams such as the grandparent scam or grandchild-in-need scam, US Treasury Scam, and others are perpetrated every day.

Don’t fall victim to the latest scams. Scams often begin with a phone call. NEVER give out personal information. Scammers are out there, so I am providing some general information and ways to help you avoid falling victim to scams. Scammers are getting slicker and more daring in ways that can easily catch you off guard.

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The “grandparent scam” or “grandchild-in-need scam” is on the rise. The scam begins with something most grandparents don’t get enough of, a phone call from a grandchild — or so the caller says. It almost always ends with a desperate plea for money. Scammers call senior citizens, impersonating a grandchild in distress, begging for cash.

According to a convicted scammer who was asked how a typical call would go, “You just say, ‘Hey, how are you, hi grandma, hi grandpa … I’m in a little bit of trouble right now. If I tell you, just keep it between us, I’m on vacation, I got…

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