Some useful Steps to Protect Yourself from Fraud & Scam


Here are some useful steps to protect yourself from any fraud or scam there is. I do believe if you follow pursuit that you will be more secure than before.


We all hear and read it in the media on a daily basis about data breaches, identity theft, telephone fraud and online scam, you name it.


Unfortunately, our constant new improved technology isn’t just a blessing for our personal use but will give fraudsters also a huge advantage and opportunity to refine and improve their criminal approach to get our well-earned money into their pockets.



According to a report from Javelin Strategy & Research’s 2015 Identity Fraud Study, swindlers and hackers have “earned” $ 16 billion from 12,7 million U.S citizens in 2014.

This is absolutely huge and shocking. But, it gets worse.

The Identity Theft Research Center has reported that there were 783 recorded data breaches alone in 2014, this also is a new record high.

Even though this all sounds very grim, there is still some steps we as consumers and citizens can do to protect ourselves our property and our identity.

  • Don’t give away your financial information just because you are being asked for. Swindlers and fraudsters are very clever, they can create faulty identities appearing as being from your bank, a known retailer or even from a government agency, nothing is secure enough to them to be used to get to you and your good nature.
  • They can say that your account as been compromised or needs an update. When in doubt if this call is legit, hang up and call back or use the correct phone number you have on record and ask if there is a problem that you just have received a suspicious phone call.senior-scam-fraud
  • Don’t open any links in an email you don’t know the sender. However, this alone can be very tricky because some fraudsters will use an email address plus the name of a person who is in your contact list and therefore is a person of trust to you. Here alone only instinct can help when you get an uneasy feeling according to the content of the email.
  • When this happens my suggestion is to write a new short email (don’t use the reply button) to the person in question and ask if they had sent you an email regarding this content etc.
  • The same goes when you get an email from your bank or another institution of your knowledge. It just happened to my husband yesterday. He showed me the email which looked like it was from our bank institute and asked me what I think? I said immediately delete it, it is a fraud.
  • Never give out your Social Security number or of the same. When being asked through a phone call or an email to reveal any kind of identification, do the same steps first like described above.
  • Use only tough and strong passwords for your online business, website access etc. Keep your passwords on records away from the computer in a ring binder, notebook etc. But, never on file on your computer or mobile devices.
  • Have a good Antivirus and Anti-Spyware program installed. Keep it updated too.senior-scam
  • Don’t wire any money if you are not 100% sure that it is the person you think you do know. In the recent past, media has informed the public how fraudsters are using an identity fraud, especially when it comes to seniors, to be their grandson or grand-daughter in financial distress and in need to have wired a certain amount of money immediately, these seniors would have lost their money for good. Always make sure you are doing the right thing, even though it is emotional to you, do your research first.
  • Be very careful when downloading software. If you know the website and you trust the source then there shouldn’t be a problem. But, sometimes when you are visiting a new website and there is a nice, looking good and trusting button who claims by downloading this software it will detect any unsafe sources on your computer. You can bet on it that you are just doing this unsafely deed to yourself when downloading and installing this unknown program.
  • Most of the time this so-called “system scan” is a huge security risk to the operating system. This downloaded “malware” program sometimes is hard to get rid off and in extreme cases, people even have lost their whole computer, not even a computer tech could have helped them.
  • When buying online with a new and unknown retailer, do your research first to make sure this website you are buying from is legit and
  • Only donate to organizations you have done business with before. When you receiving an email or a phone call solicitation for a charity etc. again, do your research first and make sure this is safe. Never let yourself be pressured into something you are not sure of just yet.
  • SSL Certificate is a special security layer to protect from Hackers and other forms of online attacks. When shopping online check for this secure address. (see picture). All major retailer and Banks have already updated their online presence.ssl-certificate

Last Words

It isn’t easy nowadays to not fall into a trap created by swindlers and fraudsters. Every day new scams and frauds are being set up on the internet and otherwise, especially when it comes to internet marketing.

The only thing you can do for yourself is staying cool and focused.

Always do your homework and do some research first when in question. It will pay off by protecting yourself from bigger harm.

Do you have been scammed once? If so, let me hear your story by leaving a comment below.

Wishing you always the Best 🙂

Sylvia signature

Author: Sylvia M.

Sylvia M. is a certified Holistic Energy Practitioner and started to work with alternative healing modalities like Reiki and Body Talk when she was still working as a Geriatric Nurse. However, to look after her ailing husband she had to make the decision and to leave the outside workforce. She is now working from home have learned the ABC of Affiliate Marketing through the platform Wealthy Affiliate. Sylvia is determined to give every "stay home woman" the same opportunity so they can too earning money from home.

22 thoughts on “Some useful Steps to Protect Yourself from Fraud & Scam”

  1. Silvia, this is a good list of what we need to do or not to do. I actually am following your advice for some time having become very suspicious of all the people who, for instance, want to send me money etc. I normally click everything away.

    It would be really good if new-comers to the internet would see your post, especially older people and all those who have a hard time to get going online

    1. Thank you, Heidi, for taking the time to leave a comment. I am pleased that you see it the same way as I do that we have to put these things out there and help people to make informed decisions not falling prey to any scam or fraud.

  2. I never thought about writing a short email back to the original sender if I know them. That is a great tip for the future. I always delete emails I don’t know, and deleted emails from friends who haven’t contacted me in more than a year. I didn’t want to risk it, now I wonder how many people I actually ignored. Great article overall.

  3. Hi Sylvia, I like the part you mentioned to ‘use only the strong and tough password’. I can see straight away why this is important. Should a person have different ‘strong and tough’ passwords for different online accounts?

    1. I hear you, for me too, it is unbelievable. Yesterday, I received a recorded phone message where a female voice congratulated me that I have won a flight with “Air Canada” worth over $900 and to get more information should click a number…… well, you get the drift.

      My reaction was to hang up and I did. 🙂

  4. My gosh, great tips that you give here on steps to protect yourself from fraud and scam. I really enjoyed the read, Sylvia. Thanks so much. Although most of these should be common sense, it never hurts to be reminded of them, for sure.

  5. Great article on how to protect yourself from fraud and scams Sylvia, there really are some helpful hints!
    There seem to be a lot more of these scams lately, I often get scam phone calls and my Wife recently had her card skimmed, you just can’t be too careful with this.
    I can pretty much spot this type of thing a mile away, but unfortunately, they prey on the most vulnerable in society, so it is great that you have offered these tips to help out!
    Great work 🙂

    1. Thanks, John for leaving a comment and sharing your experience.
      Yes, it is a shame how scammers and fraudsters are operating these days. I sometimes get the feeling that soon you have discovered their scam they already on their way to improve their tactics.
      That’s why it is so important to be on top.

  6. Hello and thanks for a very awesome post. It is so sad of the many scams that are out there that are seeking to take the monies of people that have worked so hard for it. but it is good to know that post like yours are warning people of what to look out for. Thanks for sharing.

  7. Hello Sylvia,
    Your article is spot on!
    It is great with all this new technology although sometimes, it can be a blessing as well as a curse. We simply have to watch out back, fronts, and sides – if you know what I mean. It is serious business.
    I loved all your tips. We can always use a reminder every now and then.
    Thanks so much.

  8. Wow thanks Sylvia, this is a really important article for people to read. I mean seriously online fraud and scams are becoming so popular nowadays like you say, but thanks to your amazing work with writing this you are literally saving people from falling into these traps.

    Do you think there will ever be a form of online policing that will happen in the future to close down these sort of networks?

    Will share this around!

    1. Hi, and thank for stopping by and taking the time to read my article and leave a comment, I do appreciate this very much.

      Yes, it is a passion of mine to spread awarness about these things. it has happened in my extende family twice and I know therefore from first hand experience that these online scams and frauds are very dangerous and should be watched even more so closely.

      Yes, I hope that there will be in the future, hopefully not too far, some policies and regulations. Although, I also do believe this still lcan be a tricky one to get done successfully.

      Only time can tell. 🙂

  9. Hi there,
    I have enjoyed reading your post and I will admit that it’s most interesting.
    You have posted a very important message for a lot of people who may not be aware of all the harm that’s out there today.
    With the recent worldwide hacking that we had last week, it could’nt be more timely.
    Thanks again for sharing
    Cheers…Phil Browne.

    1. Thanks Phil, for your comment I do appreciate your time and your response to my article. I couldn’t agree more that it is a timely matter to spread more awareness against scammers.

  10. Wow, that’s really shocking to learn how much money can scammers make just from US citizens. I found some great tips in your post. I have come across some of these tactics, like asking for a personal and financial information over the phone. I always just hang up when this happens and so far I’ve been lucky enough not to fall victim to scammers. But I know they are becoming more and more sophisticated. So, it’s always a good thing to find some tips on how to avoid being scammed. I never thought twice about downloading software before or checking SSL certificate when shopping online. Thank you for highlighting these issues.

    1. Thank you for taking the time to leave a comment. I do appreciate your input since it also verifies the point I like to make with this article.

      It can’t be mentioned enough how scammers and fraudsters will try to get their “fingers” on people’s money by using everything possible. It is an obligation for me to spread awareness.

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