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Dean r berry scam susceptibility 12 20

  1. Protecting Yourself from Scams and Frauds By Dean Berry, Ed. D.
  2. •Free PowerPoint Version at • •Type PPT title or dean r berry
  3. Meet in groups and discuss the characteristics of gullible people and skeptical people. Do you know anyone who is easy to trick? Do they tend to believe things that most people would never believe? Are they an easy mark for a scammer? If they are, we refer to them as gullible. A person who is not easily convinced is considered a skeptical person. 1. What are the characteristics of a gullible person? 2. What are the characteristics of a skeptical person? 3. What do you do when you are told something that seems odd or possibly incorrect?
  4. What is the message being communicated by the author of this cartoon?
  5. How many Americans out of a 100 do you think would fail the gullibility test?
  6. Gullibility can be best described as a "tendency to be duped / deceived / defrauded, repeatedly". Being gullible means that you are ready to believe the best about all people. You listen carefully to those that you do not know. In the case of a scam, the scammer asks you to hand over your money and/or other bits of information like your credit card number or bank account number so they can directly deposit large sums of money into your account. If you think of it in a different way, gullibility is a trust issue. You are placing trust in the other party without sufficient evidence that he can be trusted.
  7. A trusting person gets a call from an individual who identifies herself as a bank security analyst. She proceeds to explain that the trusting person’s bank card may have been fraudulently used. She asks for account numbers and a pen number. Within seconds the bank account is drained and the scammer is gone.
  8. What point is the author of this cartoon making?
  9. Weight loss pills promise amazing results without supporting, scientific evidence. Unfortunately, some people are desperate for easy results and become susceptible to believing in a quick fix. However, being skeptical and researching the efficacy of pills is a smart move.
  10. Who doesn’t love free stuff? What does this cartoon suggest?
  11. What is the motivation of the person who posted this sign? What questions would you have?
  12. What is suggested by these two images? Why do you think the creator used silhouettes in this portrayal of seminars? How does the cartoonist on the right use satire?
  13. What is house flipping? Why are these two web sites promoting house flipping? What’s in it for them? Ideally, what would you need to become successful in flipping houses for profit? Could you lose money?
  14. Do you know anybody who is making $389.00 a day or $7500.00 per month working from their home for an internet company?
  15. Have you ever seen email scams pop up on your computer or cell phone? What do they ask you to do? What are the risks involved?
  16. Examining how some scammers work their persuasive techniques can offer protections. First, they use something intriguing to capture your attention. Once you bite on the hook, they start to reel you in by promising you more and more stuff. They try to please you in a variety of ways. This is all in preparation for the scam. There will often be fake training, fake negotiation, fake testimony, fake earnings reports, and other sorts of evidence that are either faked or written in vague or misleading language. This can come in several forms, but most often is presented to overwhelm you with information so that you can't separate the lies from the partial facts.
  17. Scammers are dangling bait in front of you all of the time. Will you be skilled enough to avoid the manipulations of the unscrupulous scammers?
  18. Avoiding scams requires evidence based decision making. A scammer will claim that they can triple your money, help the poor, free your kidnapped granddaughter, or help you become a millionaire.
  19. When someone asks for your time or your money and presents a claim, what kind of evidence should you ask for before you act? When we hear someone making a claim such as, “I am giving you a great opportunity to make a large sum of money.” “I am holding your granddaughter hostage and you must make an online payment immediately or you will never see her again.” “I am calling from the Internal Revenue Service and you will need pay $2,000 immediately or your bank account will be frozen while we initiate court action”. The claims that are being made should include very specific, credible evidence. For example, if the issue requires immediate action, you should be presented with very clear evidence that the claim is accurate and believable. If your granddaughter is being held hostage, viewing her speaking to you on a cell phone would be acceptable evidence. If the IRS demands money, get a case number and call the official IRS phone number to discuss the issue. However, it is important to remember that government agencies never request money over the phone.
  20. Meet in Groups and Analyze this Situation You receive a telephone call from someone who identifies herself as an officer from the California Department of the Treasury. She informs you that a distant relative of yours died several years ago and $26,000 was unclaimed from the estate. She tells you that you need to send a cashier’s check for $250. made out to Marvin Burns, Treasurer, at P. O. Box 1638, Sacramento, California. Once your check is received, you will be sent your inheritance of 26,000. What questions should you ask? What clues are there to suggest that this is probably a scam?
  21. Do you have the skills to avoid being manipulated by scammers?
  22. One of the most important skills is the ability to ask specific questions that clarify issues and determine if evidence supports the claims that are being made.
  23. These are the kinds of questions that should be asked before taking a new prescription.
  24. Meet in Groups and Discuss the Following You have been feeling depressed lately. Things haven’t been going very well and you are pretty stressed out. Your doctor suggests a new medication that should make you feel much better. The medicine is fairly expensive, and you are wondering whether or not you should try the new prescription. You are aware that the efficacy of some drugs on the market is not always clearly established. In fact, you are aware that pharmaceutical companies are more concerned about profits than how well a drug may actually work. Discuss and agree upon a list of questions that you should ask before you decide to pay for and take the new prescription.
  25. Quick Write If a new medication is recommended by your doctor to help you with a serious disease, what questions would you ask before beginning the new pills? Explain why asking these questions will be important?
  26. Ernest Hemingway said it best: “Every man should have a built-in automatic crap detector", and it starts with the questions you ask. Scammers overwhelm you with crap information. So how do you spot crap information and turn on your "crap detector"? You can start by asking the following questions: Do you clearly understand exactly what was said? Who said it and what was their motivation? Was it written and shared on a credible website? How recent was the evidence that was used to support the claim? Is the claim a logical statement supported by reasonable evidence? Does the argument employ a logical fallacy?
  27. You get a call from the IRS. The caller claims that you owe the government $2,000. and must pay within 24 hours. What kind of questions should you ask to determine if the caller is legitimate?
  28. The Internal Revenue Service collects federal income taxes from all Americans. Those who fail to pay their fair share of taxes, will eventually receive letters from the IRS threatening audits, and demanding payment or explaining court action. However, some people use the fear of the IRS to call Americans and impersonate the IRS as they demand immediate payment over the phone and threaten punitive action. Why do you think people fall for the IRS scam and send hundreds of dollars?
  29. In some cases, callers who are scamming use a device that has an official name such as the IRS or police department that shows up on caller ID. These calls can be very slick and official sounding. Your defense is to tell them you are going to hang up and call a general number(not the number they give you) to ask about their call. Do not give them any information about you. If they are legitimate, they already have your information. If they are the IRS, they should be able to read your social security number back to you or tell you exactly how much your tax was for last year.
  30. You'd think that human beings, after having evolved for so long, would have evolved beyond scamming each other. Unfortunately, old scams such as pyramid schemes simply find new ways to express themselves with modern technology. One such example is fraud spread via the Internet, which can arrive in variety of forms, a new sweetheart, a Ponzi scheme or congratulations you have just won … What sort of people are vulnerable to scams?
  31. You get an internet message on your phone. You have won a free vacation in Hawaii. All you have to do is to pay the advanced booking fee of $75.00 using your debit card. What will you do?
  32. Many elderly people fall for schemes and scams. They tend to be more trusting and can be easily confused by fast talking manipulators. They often send money without clearly knowing to whom the money is going.
  33. Why do you think so many scammers target the elderly?
  34. If you read something surprising on Facebook and then see it tweeted over and over, is it likely to be true? If it is important, what should you do to determine the veracity of the story?
  35. Quick Write How would you go about determining the veracity of stories that you read on social media and the internet?
  36. Homeowners, especially the elderly, are often easy targets for home improvement scammers who make verbal promises, over charge for inferior products, or provide shoddy workmanship. A building project that should cost $4,000. ends up costing $ $6,000. A project that is supposed to be high quality turns out to be very poor quality. What can a homeowner do to protect themselves from cheating home improvement scammers?
  37. Homeowners should always get oral agreements about a proposed job in writing. If it is not in writing, the contractor does not have to do it! Every detail about the job must be in a written contract that is signed by both parties. Before selecting a company, get the contractor’s license number(state contractor number) and do a background check. Always get several bids for the same exact job and compare all details and costs.
  38. Do you agree with the character in the ad on the left that the offer seems legitimate? Why or why not?
  39. In a scam, there's always the tease... it offers you a tantalizing glimpse of what may be possible... to entice you to act, such as click on a link, call a number, reply to the email, answer the offer, attend a meeting, and so on.
  40. There's often a good story (dead dictator left money that need to be moved out of the country) and a hook (the guy will split the money with you), but the idea is to get you to look a bit closer and come up with some money that you will get back many times over.
  41. This notice shows up on your cell phone. Have you won $10,000? Have you won an Apple IPAD? Explain
  42. A common scam is called the pyramid scheme. The vast amount of money that is raised goes to the few people on top who started the investment idea. The idea focuses more on bringing in large numbers of new participants rather than creating or selling a great product. As a result, the thousands of people who join and work hard help make a few at the top very wealthy while making very little money for themselves.
  43. Pyramid schemes always sound good at first. You are asked by friends or associates to buy into the bottom level of a business. You pay for training, a kit, and some of the product. After spending $300.-$500, all you need to do is to contribute your time trying to get others to buy in at a beginning level below you. People at the earlier(top) levels get a percent of what you earn from those who are below you. You make your money from those you recruit.
  44. Examine the illustration below. How do the images explain the pyramid scheme? Who makes the big money? Who works the hardest for the least amount of money?
  45. An investigation of the large company called Herbalife determined that it was a pyramid scheme where a tiny fraction of top executives made over six figure salaries while over 99% of the participants made less than minimum wage.
  46. A Ponzi scheme is a business opportunity that recruits new investors with the promise of very high returns on the money they invest. The promoter promises that the business is very successful. Unfortunately, the promoter is lying about the profitability of the business and secretly absconds with the investors money.
  47. What should you do before investing your money in someone’s business venture? What kind of evidence would you want before kicking in your hard earned money?
  48. In a scam, the person who you thought was doing you a favor will betray you and leave you with losses and wounds that may last a long time. A scam is sometimes called a "con", which is short for "confidence game", where the scammer gains your confidence, and betrays you later. With the power of the internet, what was previously limited to phone, fax, and mail, people can now send tens of thousands of messages and scams to people in a very short amount of time, and someone may just be gullible enough to take the bait.
  49. Millions of dollars every year are lost by unsuspecting people who are too trusting. Asking good questions and requesting reliable evidence is a must before believing a caller’s claim.
  50. A common scam in recent years involves an online friendship that becomes a romance with pictures and intimate discussions. A twist occurs when one of the internet sweethearts asks for a loan to help pay for his mother’s funeral.
  51. Is it ever possible to carry on an internet relationship that results in trust? What might be the clues that a scam is in progress?
  52. How do you think this kidnap scam probably works? How would you protect yourself from this scam?
  53. Let’s Unpack this Message “This message is intended to contact you regarding an enforcement action executed by the United States Treasury. Ignoring this message will be an intentional second attempt to avoid an appearance before the magistrate judge or a grand jury for a federal criminal offense. My number is 214-247-7139. I advise you to cooperate with us and help us to help you. Thank you”. Use your own paper and list five words used in this scam call that are used to scare the victim. Explain how these words are used to convince the recipient that they better do what the caller says.
  54. Quick Write “Hi this is Lisa calling you from the Treasury Inspector General for Tax Administration. This call is to notify you about a legal case which has been filed against your name. And your physical address is under investigation. Your case file number is CF100122. To get more information you can get back to me at my number which is 914-265-1199. Thank you and have a nice day”. Write a paragraph explaining why this scam might work on a few unsuspecting people. Share your ideas with the class.
  55. Tax Season Brings Out the Most Scammers According to the IRS from 2013-2015 victims have lost over 30 million dollars to tax related scams. Californians lost over 6 million to tax scams. Many of the scammers operate from other countries where they are outside the reach of American law enforcement. The IRS never calls people until they have had numerous official letters sent to your home. In addition, official government agencies will never ask you to pay over the phone. You will always be given options for payment and be provided with written notice. Tax payers always have the right to negotiate with the IRS or fight in tax court for their position. Why should you suspect that a call from the IRS or a government agency is a scam?
  56. No legal agency will ever threaten to come and arrest you over the phone.
  57. Hey Robert, the phone’s for you! You may get a call from someone claiming to be from the police department, courts, utilities, and computer companies who say that you are the subject of an arrest warrant, failed to show for jury duty, didn’t pay your electric bill, or have a computer that has been hacked. What kind of questions should you ask the caller? What kind of information should you give them over the phone?
  58. • The typical solution is for you to purchase a debit card, load it with several hundred dollars, and read the serial number to the caller.
  59. Invest your money and the businessman will double your investment in six months. Do you think you will get a guarantee? Is this risky? Why?
  60. What’s wrong with this investment offer?
  61. How would a scammer create a house rental and provide keys and a lease that are fraudulent? What would have to be done to pull off such a clever scam?
  62. Hotel or vacation house bookings online can be fraudulent. It would be advisable to check the background of the individual or company that is offering the lease. Ask the person who is leasing to go to a local business and have their signature and identity notarized as they sign the lease agreement.
  63. Have you ever fallen for this internet computer scam? Click on this and the scammer will ask you to purchase this virus protection or your computer will not work.
  64. There’s a Sucker Born Every Minute.
  65. Are YOU prepared to spot the scammers and protect your money?