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Senior citizens are attractive targets for scam artists. Criminals are aware that seniors are more likely to have a larger "nest egg", excellent credit and a trusting attitude. Here are a few tips to help you avoid a very costly situation – whether the attempt to rip you off comes from the phone or the Internet.

1. Don't agree to wire money or deposit a check for someone you don't know, whether they attempt to solicit you through the phone or online.
2. Don't reply to emails or texts with sensitive banking information, even if the message details a seemingly urgent issue. Call your financial institution to verify the problem exists in the first place.
3. If you doubt the legitimacy of a telemarketer's offer, ask for their name, company address and phone number so you can reach them at a later time. If they seem nervous or uneasy about supplying this information, they’re probably up to no good.
4. Email scams often bait people by using scare tactics or sob stories. Common examples include: an inheritance you need to collect, a claim that a member of your family has been kidnapped or is stranded while traveling and needs to be wired money, an invitation to invest in a new business opportunity, etc.
5. Remember, you have the power to hang up the phone at any time if someone is trying to sell you something you don’t want.
6. Trust your instincts. If something seems too good to be true, it probably is!