The number of scammy emails and phone calls I receive are truly amazing.  As consumers, we really have to be on our guard these days. There is always someone out there trying to scam us out of our hard-earned money.  If criminals put as much effort into a real career as they put into scams, they could probably be very successful business people.

Have you ever watched episodes of American Greed?  If you haven’t, you may want to check them out. Their shows are all about con artists who have taken advantage of people, sometimes their own families.  Some of their episodes can be found on YouTube.  Watching those shows will make you even more “street smart”.  LOL.

Warning! Don't Get Scammed!

Here are some scams to be aware of:

IRS Scams

An IRS agent will never call your home asking for money; and they will never contact you by email.  So never give your credit card number or send money to a caller or emailer claiming you owe money to the IRS.

Social Security Scams

If someone calls you to say there is a problem with your Social Security number, hang up. That is a scam. The Social Security office does not make these types of calls. If you feel you need to speak with someone for peace of mind, call the number on the back of your Social Security card.

Sometimes these people will try to pressure you by threatening to have you arrested if you don’t pay.  If you owe money to the IRS, they will notify you by mail.  Let the caller know that you are going to hang up and call the IRS directly.

Won Money Scams

Wow!  You have just won money, or so you think.  If you are notified that you’ve won money but you have to send a check or provide a credit card first, you haven’t won anything.  But they will, if you send them your money.

Loan Scams

If you haven’t applied for a loan, don’t fall for messages stating you have been approved for one.  By the way, a legitimate loan company does not charge up front fees.

Computer Scams

Some scammers will now call people and say “I’m getting back to you about your slow computer.” They will then ask you to download some files. Don’t do it!!! They will most likely add spyware to your computer. Hang up the phone.

In addition to the above computer scam, you may visit a website and suddenly a screen comes up stating that your computer is infected, etc.  Do not call the phone number that appears on your screen.  When I get these messages, I just keep click on the top corner of the screen until the screen closes. I then go to my computer’s settings and erase my search history.

Check Scams

You’ve applied for a job and someone sends you a check before you have done any work.  Wow, that’s exciting.  Actually, it’s not.  That is most likely a scam.  They will ask you to deposit the check and send some of the money back.  Don’t do it!  However, take the check to your bank and ask them to see if it is legitimate.  If you cash a check that is not legitimate, you could end up owing the bank a lot of money.

Medicare Scams

If someone calls claiming to be contacting you about your Medicare card and stating that you need to make a payment, it’s a scam.  The Medicare office will not call you unless you have called them.  The will communicate with you by mail.


Do extensive research. Google phone numbers, email addresses, business names, websites, etc. Visit bbb.org.  Call the organizations these scammers claim to be representing. Don’t be scammed out of your hard-earned money!


If you have information you’d like to share regarding this topic or scams you would like to make us aware of, we would love to hear from you.  You can make a comment below.  Thank you.

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