Tips on stretching your Retirement Savings
Congratulations! After years of working and careful saving, you get to kick back and crack open that retirement nest egg. But don’t get too giddy just yet. Retirees still need to avoid plenty of financial pitfalls as they transition into their golden years. And while you’ve certainly earned the right to spend your hard-earned money how you wish, some decisions will leave you in much better shape than others. Here are 18 choices, big and small, that you may want to avoid to keep your savings intact.
We know, we know — you want to spoil them. But before that flashy new toy or adorable outfit just seems to jump into your cart, remember that it’s not just your wallet you may save if you refrain. A little restraint can help stave off resentment from parents who may not be able to afford as much, for one, and keep materialism in tots under wraps. If you simply can’t resist, try to check in with their parents before buying. Chances are they may not need another stuffed animal, and that wool sweater you want to buy may not be practical for preschool.
It can be rough out there for young adults — wages have stagnated, it takes longer to save for a house, and college loans can be oppressive. But if you find yourself blindly writing a check to an adult child every month, reconsider, especially if you’re endangering your own financial well-being. If you must give, The Hartford recommends doing so only sporadically. That way, you’re no longer helping your children fund a lifestyle that may not be able to maintain by themselves.
With retirement comes the gift of time — time, for instance, to browse the wonders that are available through your public library. Libraries can be a huge money saver if you’re paying a few bucks every time you rent a movie, or more to buy books. Also available: ebooks and audio books, free Wi-Fi, and maybe even subscriptions to genealogy sites.
It’s drilled into us as soon as we start our careers: Getting life insurance is a smart financial move. But as you age, it’s essential to remember what the purpose of life insurance really is: Ensuring that those who depend on your income can maintain their lifestyle should you pass away. If your children are grown and flown and major debts are paid off, think critically about whether a new policy makes sense — especially since life insurance gets pricier as you age.
SWEEPSTAKES SCAMS ARE ON THE RISE
A warning from Steven J. J. Weisman, Esq.
Scammers use mail, social media, text messages and phone calls to lure victims with a prize if the victim agrees to pay taxes or administrative fees. Self-defense: Never send money to claim a prize. If you have ever fallen for a scam, be doubly careful--thieves return to cheat anyone they have stolen from before.
According to Amanda Horowitz, the owner of Fight Back! a consumer organization, lottery and sweepstakes scams rank among the most common consumer frauds. Along with calls, mailings, emails and text messages, crooks now use online pop-up windows and social media to tell you that you've won money or prizes.
Fraudsters say you must first pay taxes, processing, delivery, legal and/or customs fees to collect your "winnings." A request for an upfront payment is an indication that someone is trying to defraud you.
When it comes to upfront payments, criminals have some favorites. They like to use money transfers because they are virtually the same as cash. Prepaid cards and iTunes gift cards are popular because crooks can access the card balance if you give them a number from the back of the card or a PIN over the phone.
They may also ask you to send cash in the mail. Once you give them money, they keep asking for more, claiming there's a bigger jackpot at stake, or that there was an error or problem that can be solved with more money. A refusal to pay might be met with threats of violence.
Never share your sensitive, personal financial information. Using your bank account or credit card numbers, scammers can make unauthorized transactions or they can sell your information to other scam operations.
Victims are sometimes asked to deposit counterfeit checks and send money back to the scammer. Note that if you deposit a fake check and it bounces, YOU'RE responsible for repaying the bank.
Another trick includes impersonating public figures, companies, a lottery, FBI and IRS officials, and others. This is done by cloning social media profiles, creating bogus websites and pop-ups, or pretending to be real lottery winners who want to "give away" part of their winnings.
Lottery and sweepstakes scams are typically run outside the United States using technology to disguise their phone number. For example, the caller ID display on a victim's phone may say "FBI" or display a number with a Washington, D. C. area code (202). The government and law enforcement never call to notify lottery and sweepstakes winners or award prizes of any kind.
Protect yourself: Don't wire money to an unknown party or pay with a prepaid card or gift card for a prize. Don't disclose personal information to an unknown party. Don't deposit a check and send money or prepaid cards back. Don't click on pop-up windows offering gift cards, prizes or contest entries.
Report a scam!
If you're a victim, you might be able to stop or reverse funds if you act quickly. Report the scam to:
IN TAX SEASON, BEWARE CON ARTISTS' LATEST SCAM
The Philadelphia Inquirer of March 18, 2019 reported that there's a new twist on the old IRS agent impersonator scam. The IRS warned that taxpayers are receiving phony calls from con artists claiming they're from the Taxpayer's Advocate Service, an independent organization within the agency.
Similar to other IRS scams, the new breed of criminal claims to be from the IRS, in this case "spoofing" the telephone number of the Taxpayer Advocate Service office in Houston or Brooklyn.
The con men request a call back -- but don't do it!
If you do, the pretend IRS employee will request personal information, including Social Security number or taxpayer identification number. The real Taxpayer Advocate Service does not call taxpayers out of the blue.
Many of us have gotten these robocalls. In other variations of the IRS phone scam, fraudsters demand immediate payment of taxes by a prepaid debit card or wire transfer.
Scammers may promise potential victims they are entitled to a huge refund -- but must first provide personal information. Unfortunately, these criminals tend to prey on the elderly, so advise your older friends and family not to believe any "IRS agent" who calls.
There are other red flags: Scammers use fake names and IRS badge numbers. They know the last four digits of your Social Security number. They use a pretend caller ID to make the phone number appear as if the IRS or a local law enforcement agency is calling. They may send bogus emails to support their phony telephone calls. They even create background noise to sound like a call center.
They may even threaten you with jail time, revoking your driver's license or visits by police. They sometimes even call back pretending to be from local law enforcement agencies or the Department of Motor Vehicles.
Hang up and call a trusted friend or family member to tell them what happened.
Remember, the IRS will never call you to demand immediate payment using a method such as a prepaid debit card, or wire transfer. Generally, the IRS mails a bill. They will not threaten you to immediately bring in police or other law enforcement. They will not ask for credit or debit card numbers nor will they call you about an unexpected refund.
The best advice is to HANG UP IMMEDIATELY. THE LONGER THE CON ARTIST IS ENGAGED, THE MORE OFTEN THEY WILL CALL.
If you think you owe taxes, call the IRS at 800-829-1040. Real IRS workers can help you. For more information, visit Tax Scams and Consumer Alerts on IRS.gov.
WHEN YOU'RE MOST VULNERABLE TO SCAM CALLS:
Monday was the hardest day to get someone to fall for a phone scam reports AAARP Bulletin of March 2019. Only 29% of people took the bait. By Tuesday, more than twice as many people succumbed. More fake calls succeeded later in the day--with 2 in 3 respondents being duped at around 5 PM.
The AARP study also found that women were better than men at scamming over the phone. "We don't really know why, but one possibility is people don't expect women to be the scammers." Criminals have figured this out. "You see tons of IRS and tech support scammers using women to do the calling. That's not an accident."
DEATH NOTICE SCAM ALERT
According to AARP, March 2018, publicly sharing personal information is risky enough in everyday life. It gets worse in death. It's never wise to let strangers know your name, address, birth date, birthplace, family members' names or even hobbies, whether you post the info on social media, take surveys or fill out product registration forms. But obituaries can take the risk to a whole new level. When published in newspapers and websites, they can spoon-feed scammers the precise nuggets they need. The more personal facts you provide in an obit--the greater risk of scams--for the departed and survivors alike. When it's time to write the notice, give the deceased's age but leave out the birth date, middle name, home address, birthplace and mother's maiden name. Don't even include the names of family survivors. This last advice will be hard to follow, but otherwise you put family members at risk of scams such as identity theft, deceptive debt collection (Crooks often call spouses, children or siblings to make a claim that survivors must repay the deceased's debts.) Unless you cosigned the obligation debts are paid from the estate--not from the pockets of relatives. Anyone saying otherwise is deceiving the grieving for a quick buck.
In another name-dropper, self-described insurance agents and attorneys get in touch with survivors to claim the departed took out a huge life insurance policy. But before benefits can be collected, a final premium (or taxes, handling fees, etc.) must be paid. Legit insurance companies don't request upfront fees by wire-transfer or prepaid debit card. Some scammers pretend they are clairvoyants who seek payments from survivors in exchange for supposed messages from beyond the grave--and threaten an evil curse if money doesn't arrive.
As seen in the January 18, 2019 issue of The Week: First, test life without the app for a week or more. If you find yourself happier, here's what you do:
First download all of your years of data. On the desktop version of Facebook, click the triangle in the top right corner and select Settings. Select Your Facebook Information and then Download Your Information. That will get you all your contacts and posts. Then go back to the same section and click the blue Delete Account button. It takes up to 90 days for Facebook to clear out your information and even then data that Facebook has already mined and shared will live on forever in databases.
HOW DO SCAMMERS KNOW SO MUCH ABOUT ME?
Information from the comsumer fraud experts with the AARP Fraud Watch Network.
Many people don't understand how they get on the radar of crooks. Here are some of the ways:
1. You frequently enter contests. Online contests are gateways to unwanted sales pitches. Not only do marketers collect information like name, age and address, they may learn other things--that you like to travel or are buying a car. Also, they know you believe in luck. That could make you a target.
2. Mail in warranty cards. Ever notice that when you fill out a warranty card for a toaster or coffee maker that it requests information like how much money you make? It is likely that your information is being sold to others.
3. Fill out lots of surveys. Did you recently fill out a questionnaire rating your stay at a hotel or the service at a restaurant? Selling survey data is big business, and marketing firms and even criminals can learn a lot about you based on travel preferences or what type of car you drive.
4. Share personal updates on Facebook. Scammers turn to social media postings to learn more about those they've targeted. So don't post personal info, narrow who can see your posts and avoid posting real-time updates about your whereabouts.
5. Just living in the U.S. yields a trove of information. Many public records are available at the federal, state, county and city levels, including census data, criminal records, and bankruptcies. Private companies can pull together all this information on you and sell it to anyone. And it's 100 percent legal.
6. Obituaries are prime hunting ground for scammers, who learn the names of vulnerable widows, widowers, children or grandchildren. Honor the dead, but keep personal information in obituaries to a minimum.
According to the January/February issue of the AARP Bulletin the schemes often target older Americans, as in the notorious "grandparents scam." where a caller is told that a grandchild is in trouble or injured and needs money wired immediately. Victims were told to drive to the nearest Western Union office and send cash. It's a pretty fast way to send money," said Margaret Moeser, an attorney with the Department of Justice, "People who are doing fraud schemes are interested in getting it done as fast as possible. Also, Western Union has a worldwide presence."
Older Americans appear to be targeted by scammers at a higher rate than others. In 2017, 52 percent of all fraud complaints received by the FTC were from people 50 and over.
UPDATE ON ROBOCALLS
Robocalls have become an epidemic. There were 33 BILLION of them nationwide in 2019 through September, according to YouMail, a robocall blocking application. That's 101 calls per person. The Federal Trade Commission received on average more than 375 robocall complaints per month in fiscal 2017, up from 63,000 per month in 2009.
Technology has made it cheaper and easier to send robocalls. Perhaps the most problematic development has been called ID "spoofing," which not only disguises a caller's identity but can make it look as if the call is from a local number.
Whenever you get a phone call and don't recognize the number, let it go to voicemail. Anyone who legitimately needs to talk to you will leave a message. My husband and I just bought a new phone system and it announces the caller. A voice will repeat over and over "call from Dr. Miller." We do not answer unknown calls. The phone system also has call blocking. In addition to call blocking, we can add new scammers' phone numbers to the database. This has greatly reduced the amount of junk calls. ROBO CALLERS LOVE A PERSON WHO PICKS UP THE PHONE RIGHT AWAY. IT QUICKLY GETS TRANSFERRED TO A LIVE OPERATOR WHO WILL THEN TARGET YOU.
Consumer Reports states that by now, most of us have learned to ignore emails from Nigerian princes seeking investors and we decline digital pop-up solicitation for a bargain vacation in exchange for our bank information. However, these con artists are still successful. They come up with new schemes as soon as old ones are exposed.
We seniors know about smishing and spoofing but how about Shimmer Scams? Some con artists attach devices to ATMs to capture data from debit cards they can use to create a replica of the card. Enter the "shimmer," a thin card-sized gadget that con artists install on ATM machines or gas pumps. The "shims" contain a microchip that can read and transmit information from your card. Though your chip card cannot be cloned in the same way that a strip card can, bad guys can glean enough information to make purchases using the extracted data.
To protect yourself, whenever possible, use an ATM installed at a bank. Stand-alone cash machines that you may come across in a convenience store or a mall or an unattended gas station pump are easier for fraudsters to tamper with. Always cover the PIN pad when entering your number in case there's an unauthorized camera nearby. If your card encounters any physical resistance when you insert it into the slot, that may well mean a shimmer has been installed--so don't proceed. Then notify your bank. Keep a close watch on your statements.
Who Gets Scammed?
The most dangerous attitude any consumer can have is the "illusion of invulnerability"--as in, "I'm too smart to ever fall for a con." No, you're not, and all the data show that everyone, irrespective of age, education, ethnicity, or gender--has the potential to be scammed. Believe it or not, it's millennials, not seniors, who are most vulnerable. Among those who reported losing money to fraud, those in their 20s accounted for 40 percent, vs 18 percent for those 70 and older, according to 2017 Federal Trade Commission data.
However, older adults who fell victim to scams tended to lose
larger amounts of money, compared with younger adults, the FTC found. Experts say losses by the elderly to financial fraud are not only attributable to age-related cognitive decline but also to the fact that the 65-plus generation controls trillions of dollars--and scammers follow the money.
Many scoff at the very idea of ever falling for the Grandparents Scam--until they get the call from a "grandchild" or other loved one in desperate need of money to pay for needed medical treatment. "Victims will tell us, 'I knew everything about this scam, and yet when I picked up the phone and this person said she was my granddaughter and was in trouble, everything I had in my brain went out the window and my emotions took over.'" says Amy Nofziger, a fraud expert at AARP.
Lotteries and sweepstakes nabbed nearly 10 percent of the fraud victims surveyed. Typically, the con begins with a phone call congratulating you on winning a contest you probably don't remember entering--an objection the scammers skillfully overrule. But before you can receive your winnings (a car, a vacation, a big check) you must first pay a fee, taxes, or other expenses via a wire transfer or prepaid debit card. The "winner" sends off the money, but the jackpot never arrives.
What to do if you've been scammed.
Only an estimated 14 percent of victims report the scam, whether because they were embarrassed, felt it was futile, or simply didn't know to whom to report it. Start with the police and report compromised credit or debit card information to the card issuers. The AARP Fraud Watch Network also has a hotline available to anyone (877-908-3360), and volunteers there can advise you of the best next step if you're unsure of what to do.
You have little chance of getting your money back but many experts emphasize emotional recovery. "Instead of yelling at the victim, "How could you be so gullible?" says the fraud experts at AARP, Say "I'm really sorry this happened to you, but it did, so now let's figure out how to get past it."
Good tech advice: Older adults are wising up to how iPads, smartphones and fitness trackers can improve their lives. The Wall Street Journal says to get tech savvy, don't ask your children or grandchildren. Their responses, often accompanied by an eye roll: "Why is that so hard?" or "I already showed you!" A key to conquering fears and thriving with new technology is knowing where to get help that won't run out of patience. If at all possible, get an outsider involved.
A note to family members: Don't stick seniors with castaway gadgets. If you no longer want that jittery old iPad, why would you expect your mom to have a quality experience with it?
But for seniors, instead of treating relatives as tech-support hotlines, the better plan is to find help from people who are technically--and emotionally--ready. Apple stores provide free setup for new products. They also provide one-on-one help for a project like organizing vacation photos. Microsoft stores offer personal classes for a fee. Chances are, you can get free support at your public library: 62% offer training on new tech devices.
Senior centers, too, are crafting tech-training programs that really work. The Ben Wilson senior center has two classes every week. Mondays from 1 to 2:30 PM they have computer classes and on Wednesdays from 1 to 2:30 they feature computer and device help sessions. Membership is only $25 yearly. The senior center is located at 580 Belmont Avenue between York Road and Easton Road. The phone number is 215-672-8380. Free lunch is provided.
There are are free lessons on the Internet, too. Go to: seniorsguidetocomputers.com/
Don't forget that Ann's Choice has a computer club right here on campus. The Computer Club meeting is held on the first Thursday of the month at 9:30 AM in Room T08, Lewis Pointe. The club conducts a number of training courses including Basic Computer, Introduction to Computers, Basic Email and Digital Camera. For more information, contact Lou Maiorino at 215-674-2987. Come join them and make that PC a friendly part of your life.
To avoid phone scams, remember this good advice:
When the telephone rings, do not pick it up even if the number looks like a local number. Look at where the message is coming from. If it is an unknown number, just let it go to voicemail. Scammers give up after three rings and will not leave a message. Anyone really needing to get in touch with you will leave a message.
A New Credit Card SCAM...
This is a heads up for everyone regarding the latest in Visa fraud.
Royal Bank received this communication about the newest scam.
This is happening in the Midwest right now and moving across the country.
This one is pretty slick, since they provide YOU with all the
information, except the one piece they want.
Note, the callers do not ask for your card number; they already have it.
This information is worth reading. By understanding how the VISA & MasterCard telephone Credit Card Scam works, you'll be better prepared to protect yourself. One of our employees was called on Wednesday from 'VISA', and I was called on Thursday from 'MasterCard'.
The scam works like this:
Person calling says - 'This is (name) and I'm calling from the
Security and Fraud Department at VISA. My Badge number is 12460, your card has been flagged for an unusual purchase pattern, and I'm calling to verify. This would be on your VISA card which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a marketing company based in Arizona ?' When you say 'No', the caller continues with, 'Then we will be issuing a credit to your account. This is a company we have been watching, and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards.
Before your next statement, the credit will be sent to (gives you your address). Is that correct?' You say 'yes'. The caller continues 'I will be starting a Fraud Investigation. If you have any questions, you should call the 1- 800 number listed on the back of your card (1-800-VISA) and ask for Security. You will need to refer to this Control Number. The caller then gives you a 6-digit number. "Do you need me to read it again?"
Here's the IMPORTANT part on how the scam works - The caller then says, 'I need to verify you are in possession of your card'.
He'll ask you to "turn your card over and look for some numbers".
There are 7 numbers; the first 4 are part of your card number, the
last 3 are the Security Numbers that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the last 3 numbers to him. After you tell the caller the 3 numbers, he'll say, "That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?" After you say no, the caller then thanks you and states, "Don't hesitate to call back if you do", and hangs up. You actually say very little, and they never ask for or tell you the card number. But after we were called on Wednesday, we called back within 20 minutes to ask a question. We were glad we did! The REAL VISA Security Department told us it was a scam and in the last 15 minutes a new purchase of
$497.99 was charged to our card. We made a real fraud report and
closed the VISA account. VISA is reissuing us a new number. What the Scammer wants is the 3-digit PIN number on the back of the card. Don't give it to them. Instead, tell them you'll call VISA or Master Card directly for verification of their conversation.
The real VISA told us that they will never ask for anything on the
card, as they already know the information, since they issued the
card! If you give the Scammer your 3 Digit PIN Number, you think
you're receiving a credit. However, by the time you get your
statement you'll see charges for purchases you didn't make, and by
then it's almost too late and/or more difficult to actually file a
What makes this more remarkable is that on Thursday, I got a call from a 'Jason Richardson of MasterCard' with a word-for-word repeat of the VISA Scam. This time I didn't let him finish. I hung up! We filed a police report, as instructed by VISA. The police said they are taking several of these reports daily! They also urged us to tell everybody we know that this scam is happening. I dealt with a similar situation this morning, with the caller telling me that $3,097 had been charged to my account for plane tickets to Spain , and so on through the above routine.
It appears that this is a very active scam, and evidently quite successful....
According to Kiplinger's Personal Finance magazine, a new twist in imposter scams involves crooks posing as tax collectors asking for money--they've even started posing as representatives of the Bucks County Treasurer's Office, says Michael Bannon, director of the Bucks County Office of Consumer Protection. Just picking up the phone puts the consumer at risk of being placed on a list of potential targets to be shared with other scammers. "These are professional con people. It's important to take steps to protect yourself," he says.
Bannon and his office help residents of all ages, but they spend a lot of time on scams that target seniors. Retirees are prime targets for scam artists because they tend to be home when telemarketers call, and they often need help with tech support, or managing their finances as they get older. Seniors generally have regular income from a pension or Social Security and savings that they're looking to maximize. They're also a large group, with 10,000 people turning 65 every day. Retirees have more at stake than younger victims because there's less time to make up for money that has been stolen.
Bannon runs a booth at the annual senior expo, recently held at the Lower Bucks Hospital. He hears lots of stories of telemarketers annoying seniors. One senior, Dennis, who lives in Bristol, says he received eight telemarketing calls the day before, starting at 8:20 A.M. One included a recorded message from someone claiming to be from the IRS. By afternoon, when yet another telemarketer called, he was ready to fight back. "I said, "You're just in time for a parade!" and I blew a whistle into the phone," he says.
Gerald, who lives in Croydon, PA says that he and his wife received a number of telemarketing calls over the last week because his wife is about to turn 65--and everyone seems to be trying to sell her a medigap or Medicare Advantage plan. Some callers claim that they're from Medicare or Social Security and need her personal information. He says a friend almost fell for a fake IRS call, complete with a Washington, D.C. caller ID. "They said he had 24 hours to pay up or a U.S. marshal would come," he says.
Bucks County recently warned seniors about the "grandparent scam" which starts with a frantic call from someone claiming to be a grandchild who needs money because of an accident or other trouble. Some crooks scour social media for names of the grandkids to make it sound legitimate. Callers ask the grandparent to wire money or to send a gift card or iTunes gift card number, which is harder to trace.
Stay on top of the newest scams by signing up for alerts from the Federal Trade Commission at www.consumer.ftc.gov/scam-alerts. Learn about new tax-related scams at www.irs.gov/newsroom (click on "tax Scams/Consumer Alerts").
THINK TWICE BEFORE CLICKING THAT ONLINE COUPON
During the holidays coupons offering amazing deals at well-known stores are popping up on Facebook. The logo looks real and the deal fantastic.
Who wouldn't look twice at the promise of a 50% off coupon on everything in the store? Or $100 off $120 of groceries at a supermarket chain? Just click on the link.
Shoppers need to take time for a reality check. The deals are just scammers seeking personal information. A neighbor saw a post from a friend for a coupon for 50% off at Kohl's. It said Merry Christmas from Kohl's! To get the coupon, she had to click through a three-step process.
Step one: Share on Facebook.
Step two: Like on Facebook.
Step three: Click here and take a survey, including a section that will ask for your personal information so you can be "sent" the coupon.
Even if you are suspicious of the coupon, by the time you hit step three, you have already shared the link to your friends.
Social media sites have been inundated with coupon offers claiming consumers can obtain an extremely high-value coupon at many locations.
Some of the chains are Aldi, Kohl's, Target, and ShopRite.
Consumers should avoid downloading Internet coupons. If a friend emails you coupons, especially high-value coupons, they are most likely counterfeit. The scammers use surveys to get personal information for ID theft. Or malicious software can be downloaded onto your computer if you click on a link. Some counterfeit coupons involve specific products such as Coca-Cola or Kellogg Eggos.
Remember that plenty of real coupons exist in newspapers and on store websites, especially during the holiday shopping season. Stay safe.
Charity Fraud is more prevelent around the holidays: Someone contacts you asking for a donation to their charity. It sounds like a group you've heard of and seems real. How can you tell what charity is legitimate and what's a scam? Scammers want your money quickly. They often pressure you to donate right away. They might ask for cash and might even offer to send a courier or ask you to wire money. They often refuse to send you information about the charity or tell you how the money will be used.
Slow down. Tell callers to send you information by mail. For requests by mail, is it a real group? What percentage of your donation goes to the charity? Is your donation tax-deductible? How do they want you to pay? Rule out anyone who asks you to send cash or wire money.
If you spot a scam, report it to the Federal Trade Commission. Call the FTC at 1-877-FTC-HELP (1-877-382-4357) or TTY1-866-653-4261. You can also go online: ftc.gov/complaint
New information is out on strong passwords. It is highly recommended that you use a passphrase instead of a password. Passphrases are usually longer than the traditional password and adds an additional layer of safety since they can't be easily guessed by a scammer.
Please use different passwords for each of your online accounts. Never reuse your email password when signing up for any account online.
Tips for creating passphrases: Take an expression such as "You can't teach an old dog new tricks". Use the first letter of each word in the password. This password would read yctabdnt. Then add a number, special characters and capitalization. You can also use a favorite quote as your passphrase such as "Helen Keller is my favority hero". Add a few numbers or add special characters. HelenK1s my FavHerO. This is easy to remember but tough to break.
Scam Alert: I recently received an email supposedly from Microsoft Account Team, ID 133 Email Security Alert (Sept. 2017).
Unusual activity detected--I did not open this but instead took my mouse and hovered over the address. It read From Microsoft.email@example.com
The misspellings in the address were enough to keep me from clicking on the email. Always check the sender when you get a strange email. Do not open it up but delete it right away.
AARP recently reported on new scams just in time for summer trips. Vacations put you in the path of scam artists who want to separate you from your travel dollars.
There is a new samaritan scam. You may be boarding a flight overseas and discover your wallet is missing. Your cellphone rings. A guy on the other end says he found it in the airport. But don't worry, the Samaritan has your name and address and can drop the wallet in the mail today. No need to postpone your trip to deal with canceling credit cards. The point of the call--which came from a disposable phone that can't be traced--is to lull you into giving the thief lots of time to ravage your accounts while you wait for the package that never arrives. You don't find out you've been conned until the bogus charges show up.
Be careful at hotels. Make sure the doors have adequate locks. One scam at hotels: A few minutes after you check in, you get a call from someone pretending to be from the front desk asking you to repeat your credit card number and security code--claiming it was written down wrong. A crook was lurking when you checked in and they need the information to rip you off.
Be alert to strangers claiming that there is a spill on your clothes. This is often a ploy to get close enough to grab your wallet or purse. Also, someone may approach you and offer to take your photograph with your friend or spouse. That's a good way to have someone dash off with your camera or smartphone!
Here are five tech activities to say NO to:
1. Giving strangers access to your computer. You might get an email that looks like it's from Microsoft and claims your account was compromised. It seeks permission "to remove the malware." Instead they just steal your personal data.
2. Opening an email attachment from a stranger. They may post something intriguing in the subject line to entice you to click on an attachment. It may say something like "I love you." If you do, it will install malware allowing them to take over your computer.
3. Using a thumb drive you got for free at a store or computer convention. It may contain malware.
4. Conducting private business on a public Wi-Fi system, such as Starbucks. A skilled hacker sitting near you can pick up everything you type.
5. Posting something on Facebook you might someday regret. Even if you delete the post, it will still be retrievable. Hackers can bypass even privacy buttons.
NEW FRAUDS TO WATCH FOR THIS YEAR
AARP reports that antifraud groups have raised public awareness that a request for payment by wire transfers and prepaid cash cards usually signals a scam, and the Federal Trade Commission has made it illegal for telemarketers to ask for payment that way. As a result, many scammers have turned to iTunes gift cards as their preferred payment method. Watch out for come-ons to purchase a card, load money on it and them provide the 16-digit code. It's a fast and virtually untraceable way to steal your money.
Don't get fooled by fake websites. Suppose you made a typo and left out the letter "c" when typing "Netflix.com" into a web browser. The website you landed on might have told you to update your software.
Sites like these with addresses that are only slightly different from those of real sites often are a scam. This is sometimes referred to as "typosquatting" if you accidentally type an incorrect address or click a link in an e-mail or at a website, not noticing the minor change.
These fake sites might ask you to enter financial information, such as a credit card number or you might be asked to update some software on your computer or download a file (which contains spyware or malware). If you're looking for a product or service, they might redirect you to another similar site that is more expensive than the original one that you wanted.
Victims think they are on the original website that they wanted and may comply. Don't be a victim: Double-check that you have typed the web address correctly before hitting enter . An alternative is to create bookmarks in your web browser for sites you visit often.
What is the new chip card? I just received my new and improved Visa card from the bank. How is it improved? It has an EMV chip.
These chips store your data and replace the card's traditional magnetic stripe. This makes it harder for hackers to make a counterfeit copy of your credit card if they steal your account information. The chips generate a unique code for every transaction so if scammers steal data from a retailer, they won't be able to use that information to make future purchases. The chips have become the standard in most of the credit-card-accepting world, leaving the U. S. as the only major economy that still relies on magnetic stripes.
The EMV stands for Europay, MasterCard and Visa and is a big deal. Half of the world's credit card fraud reportedly happens in the U. S.
Credit card issuers have begun sending out EMV-chip-enabled cards to people like me along with a letter that talks about the extra levels of security that these cards provide.
So this is great news, right? I recently went to the store and when checking out saw that the card reader isn't chip-enabled. A chip-enabled reader has a slot into which you insert the card, similar to an ATM machine. I'm able to swipe because my new Visa card still comes with a magnetic stripe on the back.
Because I swiped the card to make a purchase, the chip never came into play. I may as well have had my old card. Chip cards are great fraud fighters--but that is pretty much impossible in America right now. They aren't any good if most places won't accept them. Visa, MasterCard, Discover and American Express have told merchants that if they haven't upgraded their equipment to read chip cards, (Walmart is the big exception) they will be fully liable for their losses in any data breaches.
Most chip cards around the world are of the chip-and-pin variety, most chip cards produced in the U.S. are chip-and-signature cards. There's no PIN involved. You sign for your purchase, as you always have, with your mag stripe.
Putting a chip in a card without also attaching a PIN to it is a wasted opportunity. Why? It's much easier to forge someone's signature than to hack their PIN. The PIN and the security that it offers are the key to making all of this work most effectively. Credit card fraud in the United Kingdom fell by more than a third after chip-and-PIN was implemented.
I'm looking forward to the day when I can break out a chip-and-PIN card to pay for anything, anywhere. Then we will see just how powerful a fraud-prevention tool this technology can be.
SCAM UPDATE: Personal reports of phishing loan rip-offs, tech support schemes and other con games. Search by location or type, or send in your own reports. New from the Better Business Bureau. BBB.org/ScamTracker
Top Scams to Look out for Following the Death of a Loved one
The Bucks County Crimes Against Older Adults Task Force lists the most frequent scams to look out for following the death of a loved one.
After her husband died, a fraudulent insurance agent called the widow. He claimed that her husband had fallen behind in making payments on a life insurance policy that he had purchased a few months earlier. If she paid him $250 in cash to bring the policy current, she would receive a death benefit of $25,000. He even offered to come to her home to accept the payment. Fortunately, she was too smart to fall for the scam.
It's a shameful story. Scammers like to target people who are recently bereaved--especially widows and widowers who might be especially vulnerable when they are grieving. The crooks read obituaries, skim information about recently deceased people and their families and use it dishonestly.
Identity Theft --You should alert your relatives to hang up the phone if someone calls and requests personal or financial data for any reason. Some scammers have reasonable-sounding reasons for requesting data. They could say that your loved one has not yet paid for a magazine subscription and all that is needed to bring the account current is a credit card number, that a utility bill is past due, or that bank data needs to be "updated." Never provide credit card data in response to an incoming email. If you get an email from your bank that claims that you owe money or need to update data, call or visit your bank to ask whether you really need to.
Fraudulent "Bills Due" is one of the oldest scams directed against grieving people. The scammer calls a recently widowed person and claims that the deceased individual owed money for something. The fraudster could claim that the deceased person put down a deposit on a piece of real estate, a vacation, an insurance policy, or a piece of jewelry that was supposed to be a surprise gift to the widow or widower. If the scammer is also an identity thief, he or she will offer the option of paying over the phone by credit card.
Inflated Bills from Funeral Homes-- The overwhelming majority of funeral homes are run by honorable professionals whose first concern is to provide caring service to families at their time of loss. Even so, stories do occasionally make the news about funeral homes that have tacked on charges for services that people were not expecting.
Be sure that you receive a fully itemized statement of services and costs before those services are provided. Even if you discuss arrangements over the phone, be sure to get a statement via email. If you get everything in writing, you can point to the statement that you received and pay only for the specific services that you requested. If you feel that a funeral home has attempted to engage in dishonest activies, contact the National Funeral Directors, a national organization that monitors the undustry.
Travel Scams -- Not long ago, a recently widowed man received a call from someone who identified herself as his granddaughter. She even used his granddaughter's name when making the call: "Grandpa, this is Sarah."
She said that she needed money to travel to his wife's funeral and asked him to wire funds to Florida. Fortunately, he called Sarah's parents befure doing so. The criminal had read his wife's obituary, which mentioned Sarah's name and hatched a plot.
If a suspicious person calls, say you need to call him or her back. The scammer will hang up, make up an excuse for why the number cannot be given out, or say that he or she needs to call you back later. Note that scammers call from "spook" phone numbers that cannot be traced.
Never provide any information via email or phone, such as physical addresses or credit card data.
Immediately inform any banks, insurance companies, or other businesses that the scammer claimed to represent. They know best how to investigate frauds that use their names.
The Mayo Clinic reports that seniors who used computers at least once a week had a 42% decreased risk for onset of mild cognitive impairment over a 4 year period. Other mentally stimulating activities include magazine reading 30%, social activities 23%, crafts 16%, and games, such as cards 14%.
Beware Netflix and Flickr photo-sharing Scams
Cyberthieves aren't just invading financial accounts such as credit card and bank accounts--they are also trying to access accounts that most people don't think of as targets--Flickr, Netflix and other video-streaming services.
This trend comes at a time when credit card providers, banks and various other businesses, including retailers, have beefed up the safeguards to protect account information and detect fraud.
The thieves are selling the account information, including user names and passwords, on the Internet underground market (the Dark Web.) Scammers then use the information to hijack your account.
In Netflix, scammers might use your user name and password to access Netflix or other video-streaming services. They can hijack your Flickr account and withhold your pictures from you until you pay a ransom. It could be used as part of a larger identity theft scheme.
Many people are less careful about security for these types of services thinking that cyberthieves wouldn't be interested. Wrong! Don't disregard security precautions when creating accounts for these services. Avoid easily guessed passwords and check your transactions and other activities on your account.
Don't use the same passwords for multiple accounts. Cyberthieves can steal the password and use it to try to access your other accounts. Always back up your photos on a hard drive or a flash drive, not just in the cloud.
What not to put in an e-mail
Quirky text and punctuation can trigger spam filters. This may prevent someone from receiving your e-mail. These include:
If you think that your e-mail did wind up in someone's spam folder, ask the recipient to add you to his/her contact list or address book.
Latest News on Passwords
The Wall Street Journal reports that passwords are getting longer, but not getting stronger. For the first time last year, "1234567890" "quertyuiop" (top row of keys on a standard keyboard) and "welcome" landed spots on the list of the years most common passwords, according to data from SplashData a company that makes password-management applications. These examples are longer than perennial favorites "1234" "12345" and "querty," which still rank high. SplashData CEO Morgan Slain said that if these longer passwords are based on simple patterns they will put you in just as much risk of having your identity stolen by hackers.
This dangerous malware is known as the Cryptolocker Virus.
Melissa was stunned when an "FBI" alert popped up on her computer saying her files had been locked due to illegal activity. The sender demanded $400 to release her files. She Googled the alert and realized she wasn't dealing with the real FBI. She had been targeted and was the victim of a ransomware attack.
After you click on an infected ad, e-mail attachment or website, hackers access your computer via malicious software (malware), locking or blocking access to files. Fail to pay by the deadline and they'll leave data irretrivable. Many hackers require Bitcoin, an untraceable virtual currency. McAfee Labs reported attacks rose 165% in the first quarter of 2015!
How to protect yourself:
I'm so old I remember when a hashtag was a pound sign AND we played tic-tac-toe on that!
New SMIShing Scam
Most people are alert to suspicious e-mails and phony phone calls, so scammers are trying new ways to con you. The latest is the "SMIShing" scam--the term for a phishing (or phone) fraud. It starts with a text (also called SMS)--that relies on our tendency to automatically reply to a text without a second thought.
Here's how it works. You receive a text message that appears to come from Google and contains a verification code. Then you get another text saying, "Google has detected unusual activity on your e-mail account. Please reply with the verification code sent to your mobile device to stop unauthorized activity." DO NOT REPLY TO IT. If you type in and send the code, the scammer will now be able to access your e-mail, gather information about you, and even change your account settings. They may even be able to forward future e-mail messages to their account!
Never send a verification code to anyone by text or e-mail. Use those codes only on the log-in page of the account for which they were sent. If you get a verification code that you didn't request, it could be that someone is tampering with your account. Contact your e-mail provider.
This scam uses Google in order to look legitimate. In the future, it may pretend to be your bank or brokerage account. Always be on the alert and when in doubt, contact your real account provider.
There are hundreds of Web trackers checking on you as you browse the Internet. One way to know is to install Ghostery. It is a browser extension that has a pop-up on your computer screen and it shows who is watching what you do online.
Web searchers accept Web trackers. The Web trackers assure us that we get benefits such as discounts and more relevant ads. Most Americans are unhappy with the trade-off but are resigned to it, thinking that they are powerless to do anything to protect their online privacy.
Ghostery is one way to enhance your Internet privacy. You can find it among Add-Ons in Firefox or Extensions in Chrome. You can also download it from Ghostery.com for Safari or Internet Explorer. It has an “Alert Bubble” feature, which displays a list of trackers active on each site you visit. Sometimes there will be dozens on a single page. Ghostery can be set up to block tracking, also.
There are similar add-ons called Disconnect and Privacy Badger. If you take advantage of these tools to block tracking, you will find that ads no longer seem to follow you around from site to site.
Gabriel Weinberg, the founder of DuckDuckGo, a Paoli-based company that offers tracking-free Internet searches said that “People think of Google as a search engine, but really it’s an advertising company.”
Don't Get Fooled by Fake Survey Calls
The Federal Trade Commission warns that people are getting automated calls that claim to want your opinion but they may be after your money instead. Phone surveys are exempt from rules that ban automated “robocalls” and calls to numbers on the federal Do Not Call Registry. One cruise line robocalled millions of phone numbers with what seemed to be a political survey. People who responded were told that they could receive a free two-day Bahamas cruise for their trouble. They were then connected to a salesperson who tried to talk them into paying for parts of the “free” cruise. What should you do if you get such a call? If someone tries to sell you something during a phone survey, hang up immediately.
If a robocall tells you to press a button on your keypad to be removed from the call list, don’t do it! Pressing this is likely to increase the number of calls you receive. First visit DoNotCall.gov to confirm that your phone number is on the Do Not Call Registry. Next, visit Nomorobo.com to find out if its free robocall-blocking service is available for your landline and/or cell phone carrier.
Did you know that phone scams cost consumers nearly $8.6 million in 2014? The average loss was $488.80. You can protect yourself:
Are you on Facebook?
Check your privacy settings. Here’s how to manage privacy settings. Click “Timeline and Tagging,” then set “Review posts friends tag you in before they appear on your timeline?” to “Enabled.” Also set “Who can post on your timeline?” to “Only Me.” Also, click “Privacy,” then set “Do you want other search engines to link to your timeline?” to “No.”
Here’s a Great Trick to Protect Your Password
When signing up for a website, don’t answer security questions honestly—such as your birthplace or first school. Write these wrong answers down and use them for all future security questions.
What is the difference between http and https?
Http stands for Hypertext Transfer Protocol. The S stands for "secure". Most websites begin with http://. This means that the website is "unsecure". The website is talking to your browser and it is possible for someone to eavesdrop on your computer's conversation. If you fill out a form on the website, it is possible that someone could see that information. This is why you never, never enter your credit card on an http website. If you need to enter your credit card info, look to see if the web address begins with https://. If it doesn't, do NOT enter your credit card number. There is one caveat: even scam artists can have https sites so make sure you only do business with reputable firms.
"Never believe every quote you read on the Internet."
Be careful searching online for comedian Jimmy
Kimmel or singer Bruce Springsteen! Searching for these celebrities online could expose your computer to a virus or something worse. According to Google statistics, on average there are almost a quarter-million searches for Kimmel every month. Cybercriminals know this, so they create malicious websites. When you go to such a site, you might end up downloading malware that lets criminals steal your personal information. Other celebrities on the most dangerous list include singers Christina Aguilera, Jon Bon Jovi, Blake Shelton and Britney Spears.
How can you avoid celebrity traps?
Cybercriminals are always looking for new ways to put a virus on your computer or some other nasty surprise. Don‘t be a victim. Look for a site with a picture of a lock at the beginning of the address or the words https, not just http. Even https isn't foolproof--scammers have https websites too. Know what you are getting into.
I just saved a bunch of money on Christmas presents by discussing my political views on Facebook.
Make sure you secure your old phone beforehand. Remove any SD or Micro SD memory card. Take out the SIM card, which gives your phone its number and identifies it on your cell network. Use a pin or open paper clip to pop it out. Make sure you wipe the phone's built-in memory and return it to factory setting. To do this in iOS, choose "Settings/General/Reset/Erase All Contents and Settings." In Android look in "Settings" for words such as "Backup & Reset"--exact words vary for different manufacturers. In a Windows Phone, go to "Settings/About/Reset Your Phone."
A type of virus is hitting many of our fellow residents. It runs in the background and causes numerous pop-ups, like one that tells you that you need computer help. It also sets up certain words on your browsers to look like links to other web sites - they are, but you really don't want them.
To get rid of malware, first download the free version of malware bytes - go to www.malwarebytes.org and click on free download. When that happens, run it. It should clear away the malware. If it doesn't you will likely have to call for tech help.
Many YouTube videos are not worth viewing but now you can see the best ones on Devour.com. Devour picks the best ones daily and posts them to the site.
How about comics? Try this site: GoComics.com
Daily updates of newspaper comic strips (also web comics).
Retronaut: images, audio and video from the past. Reels from old Warner Brothers films—also, bloopers. Retronaut.com
Buzzfeed: Fascinating stories of adorable animals, celebrities, etc. Buzzfeed.com
THE JAMAICAN LOTTERY SCAM
Jamaican scammers took $1 billion from Americans, mostly the elderly, in the past four years! One in every five Americans age 65 or older has been abused financially. The ability to recognize fraud can fade with aging, even among people without dementia and seniors can lose thousands of dollars or more before their families notice. Law enforcement is lax. There were 36,000 cases in the last six months alone and they are expensive and difficult to pursue by law enforcement! Federal authorities often decline to investigate cases involving less than $100,000.
Here’s how it works. First the scammer phones the victim. They use a contact list with the victims name and phone number on it. They may say cheerily, “Great news! You have won $1.5 million and a car in a lottery.” If you reply, “I didn’t enter a foreign lottery.” They will respond, “You probably were entered automatically at a store. What color car do you want? Oh---there is the matter of a few small fees.” The victim then goes to the bank to buy a payment card to send money.
Scammers sometimes phone a dozen times a day, forging personal relationships with lonely victims. The con artists pretend to be car transporters, lawyers, bankers, even an FBI agent and a U.S. Marshal, all needing funds to solve problems.
Other common scam lines: “Your check was misplaced. We need another.” “This is the IRS. You have to pay withholding tax.” The scammer may get belligerent and say, “You had better pay those fees!”
The elderly victim may become frantic as scammers phone repeatedly, escalating their demands or pretending to be a government official.
After the victim sends thousands of dollars, the family may finally find out and step in to freeze bank accounts and change the phone number.
THE GRANDPARENT SCAM features a scammer pretending to be a grandchild on the phone.
“Is that you, Billy?” the grandparent responds. “Yes!” says the scammer. “It’s Billy. I’ve been kidnapped in Mexico. Wire $2,000 or they will hurt me! Don’t tell my parents.” A surprising number of people send money. Now scammers are pretending to be a friend of the grandson and call during spring break or during summer months when they are more believeable. "Hello. This is Sam. I'm a friend of your grandson. He's been hurt in an accident..."
TIRED OF ROBOCALLS?
On a single day recently, a resident of Ann’s Choice had three phone calls with the same pre-recorded message. It claimed that she could win $3,000 worth of groceries if she’d answer a few questions. “I tried to opt out and got a message that they were removing my number from the list but the calls kept coming.”
You might feel smug and think: I put my telephone number on the Do Not Call List last year. Think again. Scam artists don’t care about screening out the more than 220 million phone numbers on that list. They are often overseas and enforcement is challenging. Calling 888-382-1222 may help a little but scammers are ahead of the game. Advances in technology have made it easy and cheap to send thousands of pre-recorded calls per minute using autodialers and fake caller IDs that make tracing hard. The Federal Trade Commission receives more than 150,000 complaints about robocalls each month.
IF YOU PICK UP A ROBOCALL, HANG UP IMMEDIATELY. Pressing a number signals that the autodialer has reached a live number and can lead to more calls.
BUYING ONLINE SCAMS
If you go online to shop, most sites include a photo of the item for sale, but a few say “E-mail me for a photo.” DON’T. There’s a good chance that they’re trying to scam you. If you request a photo of the item, opening that photo might load a virus onto your computer. Or you might see a web page that looks like a well-known shopping site—perhaps eBay or Amazon.com. It will ask you to enter your user name and password. Then it will fall into the hands of the scammer. Don’t let them E-mail you a photo.
Several residents have reported receiving calls supposedly from Microsoft saying that there was something wrong with their computer - either a Microsoft problem, a security issue or the expiration of some software. One resident reported that the person who called specifically said that they were contacting people at Ann’s Choice. The caller then asks to be connected to the computer to “correct the problem”. This is probably a scam. Do not allow anyone to connect to your computer unless you have initiated the call. Do not use a number that the caller gives you but contact the company using a number that you have independently obtained.
A new scam is called “smishing” which means fishing for personal information. A resident from Ann’s Choice received a text message on his cell phone from Best Buy letting him know he had won a $1,000 gift card! His first reaction was, “What great news; just in time for the holidays!”
The text directed him to follow the link to their website in order to enter the code # that was included in the text message. If he had followed the link, it would have led him to a page set up to look very similar to the legitimate Best Buy web page. He would then be required to enter information such as his birthdate, Social Security number and credit card number in order to claim the “gift card.” This would make him a victim of identity theft.
Always ignore a “smishing” message. Do not respond at all. Even simply replying “get lost” or “I know this is a scam” could lead the con artist to think they have reached a person who is willing to engage with them somehow. If they know the phone number is active, they may load you with other scams. Contact your cell phone provider to inquire about blocking unwanted messages.
Six Wholesome Habits for Computer Users
Back up your data. It could save you hours of time in lost work, not to mention valuable family photos.
Keep your apps updated. Windows, Adobe Acrobat, your Web browser and your security suite should all have automatic update options and you should use them to keep your PC safe.
Always use safe passwords. Have you been using your name spelled backward, your pet’s name or the word “password”? Shame on you. Use a different password for each important account. It should be at least eight characters, including numbers and letters.
Avoid e-mail attachments. Never, never open e-mail attachments from an unknown e-mail address.
When sending e-mails, never hit ‘reply all’ in response to a message unless every single person needs to see it. Don’t send messages with large attachments. 5MB to 10MB should be the limit. Never send messages written in all caps. When forwarding e-mails, please remember to delete all previous recipients before sending.
Ann’s Choice residents know they should recycle their old or unwanted technology products. But how do we do it?
Best Buy has a recycling program. They have in-store kiosks for ink and toner cartridges, rechargeable batteries, wires, cords and cables. Their location is 1130 Easton Road in Willow Grove.
Amazon doesn’t charge people to recycle Kindle e-readers or batteries (working or not). You can print free UPS labels for shipping old Kindles to be recycled. Just go to ecotakeback.com/kindle. Then you simply drop the Kindles off at a UPS store.
Staples stores will accept a variety of products, including laptops, monitors, mice and GPS devices but not TV’s. Our local Staples is located at 1075 Main Street in Warrington, near Wegmans.
If you buy a new Dell computer, just select “free recycling” and the company will take the old one, even if it is not a Dell.
Goodwill will take PC’s, laptops, tablets and keyboards, but not mobile phones. A Goodwill store is nearby at 1487 West Street Road.
HAVING TROUBLE READING WEB PAGES?
Web pages aren’t always as easy to read as they should be. You can zoom in or out of any Web page by holding down <Ctrl> and rolling the scroll wheel up or down to zoom in and out as you like.
Another way to enlarge the print on web pages: In Internet Explorer, click on 'view' from the toolbar>select 'text size'> and click on the text size that you want. If you are using Firefox, Opera, Safari or Chrome, press and hold Ctrl while pressing + to increase the font size. Press and hold Ctrl while pressing - to decrease the font size.
If you are on the Internet, you have most likely seen a CAPTCHA. They are the crooked and stretched collection of letters that you have to type before you can post a comment or send an email.
The CAPTCHA was created at Carnegie Mellon University in 2000. The name is short for Completely Automated Public Turing test to tell Computers and Humans Apart. Websites need CAPTCHAs to prevent the bots of spammers. The little puzzles work because computers are not as good as humans at reading distorted text. Google reports that people are solving 200 million CAPTCHAs per day.
There are hundreds of different kinds of CAPTCHAs and one of the biggest is called reCAPTCHA. You will find it on Google who offers it for free. People spend nine seconds solving a reCAPTCHA, and 92% get it right. The letters will only get more distorted as more spammers come aboard. Some spammers now employ people in foreign countries to solve the CAPTCHAs.
Seniors have the most trouble reading a CAPTCHA. They are more likely to have cataracts, glaucoma, and macular degeneration—eye diseases that can make vision blurry. Older people read best when there’s high contrast and more space between letters. The trick to solving CAPTCHAs is to just type what you see. Don’t think about it too much and you’ll have better success.
www.duckduckgo.com for private Internet searches. It does not track what you do. Give it a try.
Cleaning a flat screen (LCD, LED, or Plasma) monitor:
Has Your Email Address Been Compromised?
There is a new online service called PwnedList (https://pwnedList.com) where you can find out. PwnedList has nearly 5 million names in its database of stolen personal data. Just type in your information and click check. If you are listed in the database, it does not necessarily mean someone has tried to break into your account; however, you should consider changing your passwords.
Quick Fixes for Browser Annoyances
Recover your URL bar. If your grandkids used your computer and your URL bar disappears, here’s what to do: In Internet Explorer, right-click on any toolbar and check Address bar to bring it back. In Firefox, go to View Toolbars and check Navigation Toolbar. And in Safari, press <Ctrl>-<Shift>-\ (or <Command-<Shift>\, if you are on a Mac.
Bring your tabs back. Did you accidently close a tab or more? Each browser has an easy way to get them back: In Internet Explorer, Firefox, and Chrome use <Ctrl>-<Shift>-T; Safari uses <Ctrl>-Z.
Print only what you want. Most often, printing a Web page results in ink and paper wasted on images, Links, and ads. A good solution is a handy bookmarklet called PrintLiminator. (find.pcworld.com/72466).
First, install the PrintLiminator bookmarklet in your browser by dragging it to your bookmarks bar.
The next time you want to print a page, select the Printliminator command instead of Print. A small toolbar will appear in the left corner of your browser. You’ll have four options: ‘Remove All Graphics’, ‘Apply Print Stylesheet’, ‘Send to Printer’, and ‘Undo Last Action’. To remove the graphics on the Web page, click Remove All Graphics’. To delete certain elements of the Web Page---links or buttons, for instance—click Apply Print Stylesheet. Printliminator will organize all of the printable elements into sections on the page. To remove a section, put your mouse over it, and a red box will appear around it. Left-click the selection and the object(s) in the box will vanish.
When you’ve finally configured the page as you want it to appear and are ready to print, just click the Send to Printer button.
Another free resource for removing ads and other elements before you print is PrintFriendly.com
How to copy an email to Word: Highlight the words you want to copy. Press CTRL C. Minimize the screen. Open a new word document. Press CTRL V.
Get less e-mail. A free service to manage e-letter subscriptions and junk e-mail. Choose to get them all together as a single daily message or unsubscribe to any that you no longer want: Unroll.me
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