Why You're Likely To Fall For A Scam

Why You're Likely To Fall For A Scam

And Ways To Prevent It
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It’s hard being an adult in today’s world. Sometimes it feels like there’s another person waiting around every corner to pull the wool over your eyes.

All across America there are poor, naïve souls being bamboozled, taken for a fool and plain old tricked into giving away money. Scams are more common than you’d like to believe, and you can’t let your guard down, even if you haven’t experienced an attack from scammers.

Scams come in all shapes and sizes — phone calls, emails, pop-up ads and even physical mail. Scammers dream up countless methods to steal your money, each more sophisticated and harder to track. And unfortunately, you’re probably one of their prime targets.

Millennials Are Easy To Fool

This sounds harsh, but Millennials are far too easy to scam. So easy, in fact, that this age group has officially occupied the “helpless old lady” spot on scammers’ prospect lists. If you’re between the ages of 18 to 24, you’re probably caught in their crosshairs.

The Better Business Bureau reported from a recent study that out of 30,000 adults who registered the details of a scam they encountered, only 11% of seniors (age 65 and over) actually lost money. 89% of seniors caught onto the scam in time, and successfully avoided losing any savings.

Conversely, the same study found that 34% of Millennials reported losing money. Three times more adults ages 18 to 24 lost money to scams.

We can attribute this new phenomenon to an “invulnerability illusion,” also called an “optimism bias.” This is the idea that others are far more vulnerable and helpless than you are. The attitude is associated with taking unnecessary risks and failing to take precautions with life decisions in general.

The optimism bias makes Millennials much easier to scam, as it makes them more trusting, and creates a false sense of security in their ability to discern the truthfulness of a situation. In short, it makes them naïve and a bit lazy in protecting their finances and identity.

Ironically, seniors and Baby Boomers are incredibly careful with their finances and identity, because they suspect a threat is around every corner. Millennials are too quick to trust the credibility of a stranger claiming to have their best interests at heart.

Protect Yourself

As was mentioned above, scams come in all forms. Scammers’ techniques have become more sophisticated as technology itself has evolved, making their scams much harder to identify.

For example, you could receive an email from “PayPal” that tells you about “important account information you need to review immediately” and provides a link for you to follow.

However, if you examine the email closely, you’ll notice a couple of oddities — the email never mentions you by name, doesn’t provide even the smallest documentation of your account or personal information (last four digits of your social security number or account number, etc.), and provides a very vague reason for you to just “check up on your account.”

So obviously, don’t click the link. Ever. These and other red flags should make it clear that the message didn’t actually come from a credible source. You’ve received this email because a scammer knows you have a PayPal account. The link likely contains a worm, or some other way for the scammer to get into your account and take control of it.

If you’re not paying attention, you’ll give someone the easiest access possible to all of your money.

It’s time for you to protect yourself from these scammers — arm yourself with the knowledge and tools to combat their incessant attacks.

Remember that you too have the internet on your side. If you get a call or email from a business claiming to give a great deal, do some research on that business. You’ll most likely find forums or other search results from other people warning about this scam. You can even use this method to inspect specific phone numbers.

No matter what, don’t pay upfront for a promise. Even if you don’t do any research, never give anyone your credit card information or write them a check without verifying their credibility first.

Always ask questions. The deeper you dig, the easier it is to uncover a scam. Scammers always want to catch you off guard and pressure you into making a hasty decision.

If your questions aren’t answered, chances are you’re staring a scam right in the face. A legitimate opportunity should yield clear explanations, but if the person you’re talking to keeps sidestepping your questions, then it’s obviously not the opportunity to you think it.

As a general rule, always be skeptical of any contact that is made from people or businesses you don’t know. Ask pressing questions and don’t give up your personal information.

Following these simple rules will equip you for deflecting and avoiding potential scams in the future

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5 Perks Of Having A Long-Distance Best Friend

The best kind of long-distance relationship.
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Sometimes, people get annoyed when girls refer to multiple people as their "best friend," but they don't understand. We have different types of best friends. There's the going out together best friend, the see each other everyday best friend and the constant, low maintenance best friend.

While I'm lucky enough to have two out of the three at the same school as me, my "low maintenance" best friend goes to college six hours from Baton Rouge.

This type of friend is special because no matter how long you go without talking or seeing each other, you're always insanely close. Even though I miss her daily, having a long-distance best friend has its perks. Here are just a few of them...

1. Getting to see each other is a special event.

Sometimes when you see someone all the time, you take that person and their friendship for granted. When you don't get to see one of your favorite people very often, the times when you're together are truly appreciated.

2. You always have someone to give unbiased advice.

This person knows you best, but they probably don't know the people you're telling them about, so they can give you better advice than anyone else.

3. You always have someone to text and FaceTime.

While there may be hundreds of miles between you, they're also just a phone call away. You know they'll always be there for you even when they can't physically be there.

4. You can plan fun trips to visit each other.

When you can visit each other, you get to meet the people you've heard so much about and experience all the places they love. You get to have your own college experience and, sometimes, theirs, too.

5. You know they will always be a part of your life.

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The long-distance best friend is a forever friend. While I wish I could see mine more, I wouldn't trade her for anything.

Cover Image Credit: Just For Laughs-Chicago

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To The 'College Best Friend' Who Will Be My Best Friend For The Rest Of My Life

College friends are the friends you want to keep for the rest of your life.

Cassidy
Cassidy
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You have been here with me through the best years of my life, and even though we haven't known each other that long it feels like a lifetime. I can always count on you to be fully there for me through all the ups and the downs.

I count on you to cheer me up through all the drama and boy issues and I will always do the same for you.

College would be completely different if you weren't here with me because I wouldn't have anyone to go on midnight snack runs with or anyone to facetime about the cute boy in class talking to me. I also wouldn't have a shoulder to cry on when I am sad, or a person to share all my exciting news with.

You are one of the people I can see as being a bridesmaid at my wedding, and sharing all my future secrets with. Through these college years we are forming into the people we are meant to be and I fully feel like you have helped me become a better person, and understand myself more.

This being said we better continue being friends after college.

Going into my senior year, I worry about all the people I am going to miss because of the different directions our lives may take us, but even then I know we will continue to jump back into the old swing of things every time we see each other. Senior year I have planned to make the most memories of our four years of college and to just completely live in the moment.

After this year wherever we may go, I know that I will always remember all the crazy times we had and I am looking forward to more crazy memories with you.

Cassidy
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