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Are You Good Enough to Be Scammed?

Today’s cyber-scammers are using your own good traits against you!

The latest email threats will involve using your good habits to get you to lower your guard and click on links that can hack your computer or smartphone and/or deliver malware!

  • Hard Worker Email scammers now launch most of their phishy emails early in the day when you are likely to be hard at work and distracted as you try to keep your inbox updated. Experts say, slow down and don’t fall for subject lines like: “Final Reminder,” “Immediate Action Required” or “Open Immediately.”
  • Inquisitive Your quest for more knowledge or self-Improvement can be used against you. Beware of emails promising you free iPhones, trips, etc. for “taking a short survey.”
  • Good-Natured Perhaps the most insidious of all scams, these thieves monitor your social media accounts and then send you emails specifically targeted to subject in which you have shown an interest. Be careful what personal information you share via social media and don’t accept invitations from strangers to become online friends.

Wheel Savings

Looking to get a new car?

Believe it or not, the smartest move might be to buy used!

Why? Because of leasing. So many American now lease their cars. Most of those leases are up in 3 years. Plus, leases penalize drivers who go over 10,000 miles a year. The result is an abundance of late model cars with relatively low mileage.

The vehicle information website Edmunds.com estimates that used car prices for cars 3 years old or newer are actually coming down! You’ll find the best deals on subcompact, compact and mid-size cars. In addition, many car dealers now offer extended warranties, some up to 100,000 miles.

If you’re in the market for wheels, remember, you’re in the driver’s seat!

The Golden Fleecing

You see the ads for this kind thing on the cable channels in the wee small hours of the morning. Buy gold or silver as a hedge against bad economic times. But many of the companies touting gold or silver are really only making one entity rich: themselves.

Here’s what you need to watch out for:

  1. The Bait Frequently, these companies use deceptive marketing to make you think you’re getting gold or silver at only a slight mark-up over the current market value.
  2. The Switch Once you are actually speaking with a salesperson, they will try and switch to investing in “collectible coins.” You’re told that these are appreciating much faster than gold or silver.
  3. The Catch Often you will be sold coins at a markup so high, you will never recover what you’ve paid.

One of the oldest adages in investing is true here – invest in what you know. If you don’t know about collectible coins, don’t invest. Or seek out a local expert in your area and consult with them face-to-face.

There's Gold in That Old Cell Phone!

We all know how fast tech devices seem to age. But don’t just chuck them out. There is a market for older cell phones, tablet, laptops and the like.

Online sites like uSell and Gazelle will buy your items, saving you the trouble of finding a buyer. Best Buy, Apply and Target will exchange your old devices for gift cards. Other sites like Swappa and Glyde will let you list old items for sale for a percentage of the sale price.

While newer and better conditioned items will fetch higher prices, there are buyers out there for older and somewhat damaged goods as well.

But remember! Make sure you wipe the device of any personal information before you sell it!

Save on Your Pet's Meds

Here's a money-saving tip for your furry frends.

Vetrinairans mark up the drugs they sell by as much as 100%. Experts recommend that you first try to locate these same pet prescriptions through other sources - online or through human drug stores like CVS or Walgreen's.

You can also visit humansociety.org. Type "afford" into the serach functionthere and discover more tips that can save you money on all kinds of pet supplies.

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