From Apprehension to Empowerment: Facing Tech Fear Head-On

Cybersecurity 10 Tips for Staying Safe on the Internet from Viva Health's Data Security Officer Lynn Murphree Many seniors dont use digital tools because they worry about Internet scams and hackers. Knowing what to look out for will help keep you safe. Read these tips from Viva Health's Data Security Officer Lynn Murphree to learn how to spot harmful websites, shop online safely, choose secure passwords, and much more.1.    Dont share sensitive information, like your social security number, Medicare ID number, bank account details, or other personal data in an email. When registering for portals like the Viva Health Member Portal or our partner portals, you will be asked to provide your Medicare ID number to make sure you are the one setting up the account. This is safe and secure.  2.    When browsing sites, do not click on pop-up ads. Pop-up ads are ads that open in a new window. Pop-ups may have viruses that can auto-download to your device or computer.  3.    Only shop from sites you are familiar with, like Amazon.  4.    When making online purchases, make sure the product is shipped from the USA rather than another country.  5.    To make sure a website is secure, check for https instead of just http in the URL.  6.    Never use your debit card (linked to your checking account) for online transactions. Use a credit card instead.  7.    Always use 2-Factor Authentication whenever it is available. This is also known as multi-factor authentication.  8.    If you use Facebook or other social media sites, never accept a friend request from someone you dont know.  9.    When creating passwords, make sure they are at least eight characters long and include a combination of numbers, uppercase and lowercase letters, and symbols.  10.  Never respond to personal emergency emails, posts, or messages on social media. Go to vivahealth.com/medicare/events/videos, type in cybersecurity in the search box to view a video for more information. Contact Viva Health at 800-830-8432 to discover more about Medicare options in Alabama.  

Protecting Seniors from Holiday Scams   The holiday season is here, and with it comes the excitement of Black Friday deals and the rush to find the perfect gifts. However, while the season brings joy, it also attracts scammers looking to take advantage of vulnerable populations, especially seniors. Older adults lose an estimated $3 billion annually to scams, according to the Federal Trade Commission, with a spike seen during the holiday season due to fraudulent online shopping deals, fake charities, and even Medicare-related phishing schemes. Here are some of the newest holiday scams targeting seniors, tips to avoid them, and resources to stay informed.   The Newest Scams Targeting Seniors   1. Fake E-Commerce Websites Scammers are getting better at creating realistic-looking websites that mimic well-known retailers or advertise exclusive limited-time deals. These fake sites lure seniors into entering personal and financial information, which is then stolen.   What to Watch for: URLs that dont match the official retailers name. Unbelievably low prices on high-ticket items. Poor grammar or spelling errors in website text.   How to Stay Safe: Use trusted retailers youve shopped with before. Look for https and a padlock symbol in the URL. Cross-check deals on the retailers official site.   2. Phishing Emails and Texts Fraudulent emails or texts promising massive discounts or alerting about account issues are common. These messages often direct recipients to fake login pages to steal their credentials.   What to Watch for: Emails or texts that create a sense of urgency, such as Act Now! or Your account has been locked. Suspicious sender email addresses or phone numbers.   How to Stay Safe: Avoid clicking on links in unsolicited messages. Contact the retailer or service provider directly to verify the issue.   3. Charity Scams The holidays inspire generosity, and scammers exploit this by pretending to represent charitable organizations. They often pressure seniors to donate immediately, using emotional appeals.   What to Watch for: Pushy callers who wont provide detailed information about the charity. Requests for unusual payment methods, such as gift cards.   How to Stay Safe: Verify the charitys legitimacy on sites like Charity Navigator. Donate directly through the charitys official website.   4. Delivery Scams Fake package delivery notifications are another growing scam. Seniors receive emails or texts claiming theyve missed a delivery and are asked to click a link to reschedule. These links often download malware or request sensitive information.   What to Watch for: Messages with poor formatting or unusual requests for payment to reschedule. Notifications from companies the recipient hasnt ordered from.   How to Stay Safe: Verify the tracking information by visiting the delivery companys official website. Do not click links in unsolicited delivery messages.   Additional Tips for Protecting Seniors from Scams   Educate and Communicate: Take time to discuss common scams with your loved ones. Share real-life examples and role-play how to handle suspicious situations.   Use Technology Wisely: Help seniors set up strong, unique passwords for online accounts and enable two-factor authentication when possible.   Monitor Financial Activity: Encourage seniors to regularly review their bank and credit card statements for unusual transactions. If theyre comfortable, offer to assist them with this task.   Leverage Caller ID and Blocking Features: Scammers frequently use phone calls to target seniors. Ensure your loved ones phone is set up to block calls from unknown numbers and warn them not to share personal information over the phone.   Learn More from a Helpful Resource: For more in-depth information on protecting seniors from scams, visit the Federal Trade Commissions Consumer Information page. This site offers the latest updates on scam tactics, tips for avoiding fraud, and steps to take if a scam occurs.   How Amada Senior Care Can Help At Amada Senior Care, we are dedicated to the safety and well-being of seniors. Our caregivers are trained to provide companionship and safety guidance during the busy holiday season. By staying vigilant and informed, seniors can experience the joys of the season without falling victim to scams. Lets work together to make this holiday season merry, bright, and safe for all. Contact us today to learn more about how we can help protect your loved ones during the holidays and beyond. Amada Senior Care of Mobile and Baldwin is here to help.  Contact us at 251-305-4500

How to Create a Home InventoryA home inventory can expedite insurance claims process after theft, damage or loss.Imagine needing to list every possession in your home or apartment, along with each item's worth after your belongings have been stolen or destroyed in a tornado, wildfire or other natural disaster. That task may seem impossible, so it is best to make the list before you need it. Below we've answered your basic questions on why and how you should create a home inventory.Why do I need an inventory of my home or apartment?A home inventory is an excellent way to help make home insurance and renters insurance coverage decisions and expedite the insurance claims process after theft, damage or loss. This record of your insurable assets will not only help you in the settlement of a covered loss or claim but may also help verify tax-deductible property losses and determine the right amount of insurance coverage you need.How do I create a home inventory?The first step is to decide on what type of inventory would be easiest for you to create. A home inventory can be as simple as a list of all your possessions or a visual record for each item, but an effective home inventory should include both for added security. Today, there are even digital tools to help simplify the process of maintaining the list.A written inventory: A comprehensive home inventory list catalogs your belongings and should include the item description (make, model and serial number, if applicable), value and purchase date. You can create your own list using a spreadsheet or fill out a home inventory checklist that's ready to go.A digital inventory: If you have an iPhone or Android phone, there are apps that can be downloaded to your phone, some of which are free. These mobile home inventory apps allow you to record a photograph of the item along with the description, value and purchase date.A visual record: A visual record of your possessions shows proof of ownership. This can be accomplished with a video walk-through of your home or through a series of photographs.Once you decide on the type of home inventory you want to create, according to the Insurance Information Institute, there are some simple steps you can take to start the process. Don't forget to include the items in your basement, attic, garage and any detached structures, such as tool sheds. Also, pay special attention to your most valuable possessions, such as antiques, art, jewelry, collectibles and electronic equipment. If you have any questions about which items are covered by your policy, contact your insurance agent.Record possessions as you pack to move into a new place: When moving to a new apartment or home, take a couple of extra minutes to record the belongings in each room.Pick one area at a time to record: You can start with a hall closet or small kitchen cabinet. Then, after capturing your belongings in that room, move on to the next.Record each item as you redecorate: Whether you are redecorating your apartment or a room, note each purchase you make and save the receipts. It will give you a jump start on your home inventory.Record recent purchases: Get into the habit of recording new purchases. Then, as necessary, go back and record your older, undocumented possessions. Along with the record, be sure to store sales receipts and appraisals (including the appraiser's name and address) to help verify the value of each item.Record important information: Provide a general description, where you bought it, the make and model, and what you paid for the item. Include the serial number if the item has one.Record the number of each clothing type: List, for example, "five pairs of jeans, three pairs of sneakers" Make note of items that are especially valuable.Include stored items as well: Things kept in your basement, attic, garage and other detached structures may not be at the top of your mind; however, you should record those items as well. If you have items in a self-storage unit, make sure to include them as they are usually covered under your home insurance policy.Use technology to create your digital home inventory.Take pictures. Capture important individual items as well as entire rooms, closets or drawers. Label your photos with what's pictured, where you bought it, the make or model and the serial number.Take video. Walk through your house or apartment recording and describing the contents. For example, you might describe the contents of a kitchen cabinet: "Poppies on Blue by Lenox, service for 12 that includes a dinner plate, salad plate, bowl, cup and saucer, purchased in 2015."Use an app. There are many mobile app options that can help you create and store a room-by-room record of your belongings.How should I store my home inventory?Don't let your home inventory become part of a property loss. Whichever inventory method you choose, it's important to keep a copy in a fireproof safe, safety deposit box or digitally in the cloud. You can even email your inventory to your insurance agent. Sending the list has the added value of allowing your inventory to be examined by your agent to see if you need extra home or renters coverage or to add a Personal Articles Insurance policy. If you need information about homeowners, rental, and auto insurance, call a Five Star Rated Agent:  Laurel Flowers State Farm Insurance Agent at 251-675-4736.