New Year, New Types of Cyber Crime: Five Ways to Protect Yourself Online

Author

The Meridian at Punta Gorda Isles

For more information about the author, click to view their website: The Meridian at Punta Gorda Isles

Posted on

Jul 26, 2024

Book/Edition

Florida - Sarasota, Bradenton & Charlotte Counties

share-this
Share This

With a new year, comes new cybercrimes. While technology is our friend in helping us keep connected with our loved ones, there are some sobering threats that can make it our foe. Unfortunately, internet-based crime is increasing at an alarming rate with a 64% increase in email threats year-over-year in 2020 with older people being impacted the most. Cybercriminals and spammers are becoming increasingly sophisticated, and more new users of technology such as seniors are falling victim to their attacks. 

The statistics are staggering. According to the FBI 2020 Internet Crime Report, there was a 27% year-over-year increase in cyber fraud losses totaling $1.8 billion, as reported by individuals over 50 years old. Moreover, it appears that these cybercriminals specifically target senior citizens not only because are they are less aware of technology scams, but also, they are perceived to have larger financial assets than other groups.

Anytime you use a computer, smartphone, or tablet, you can fall prey to your identity and financial information being stolen and used for nefarious purposes. The good news is that there are five simple ways you can protect yourself from these attacks.

We Suggest you Do Not

  1. Open emails that look too good to be true
    Typical attempts to get you to open an email include subject lines that “you have won a prize” or “a free offer”.
     
  2. Phishing threats
    Do not click on banking or account links in an email, particularly if the email asks for updated credit card information. Cybercriminals can disguise emails to look like they are coming from legitimate organizations or people you know but clicking on these links and submitting your personal, financial, or login information may fall into the wrong hands. Always contact the financial institution directly, do not use the link in the email, to check to see if the request is valid. Almost every time it is not.
     
  3. Respond to emails that are an unusual plea for help
    A common scam is when an individual poses as a known contact and states that they have been mugged while vacationing abroad and need you to send money ASAP. If you are concerned, call the person directly and don’t respond to the email or phone call.
     
  4. Interact with unknown individuals or sources
    That includes opening emails, downloading files, or interacting on social media. Only download files from a trusted source as files can be malware which can steal personal data and damage your device. Moreover, some fraudsters have been known to impersonate a potential love interest online to gain your trust and then ask for your bank information.
     
  5. Submit payment in response to threats of arrest from an authority figure. Common scams are when criminals pose as an IRS agent and demand payment to avoid persecution. The IRS does not email communications of this type to citizens. Just ignore these scams.

As we navigate the current ever-changing cyber environment, it is possible to learn and connect safely with just a little knowledge. So now you know these five ways to protect yourself, enjoy technology today!

Other Articles You May Like

The Gift of Time: Simplifying Your Senior Life for More Meaningful Moments

As we grow older, the value of time becomes clearer. Lifes most precious moments are often spent connecting with loved ones, enjoying favorite hobbies, or simply savoring the peace of a quiet day. Yet, the clutter of everyday life, both physical and emotional, can rob us of these meaningful experiences. For seniors, simplifying life is about more than just organizing possessionsits about creating space for moments that truly matter.At A Call to Order Professional Organizers, we understand that the greatest gift we can give ourselves and our loved ones is timetime to connect, time to relax, and time to create memories. Our goal is to help seniors declutter and simplify their lives so they can focus on what really matters. Heres how simplifying your life can lead to more meaningful moments and a happier, more peaceful existence.The Emotional Burden of Clutter and How to Overcome ItAs we age, we accumulate not only material possessions but also memories, emotions, and experiences attached to these items. For many seniors, the process of decluttering can feel overwhelming, as every object seems to carry a story or sentiment. But holding on to too much can become emotionally burdensome, making it difficult to move forward and enjoy lifes present moments.Why Decluttering Matters for Emotional Well-beingPhysical clutter often translates into mental clutter. A disorganized home can make it hard to focus, relax, or even find joy in the little things. For seniors, this clutter can also lead to safety concerns, such as tripping hazards or an inability to find important items. But beyond the physical risks, clutter also weighs heavily on emotional health.Letting Go of the Past: While it can be difficult to part with possessions that remind us of the past, its important to remember that memories arent tied to objects. Letting go of excess allows room for new experiences and connections. At A Call to Order Professional Organizers, we guide seniors through the process of decluttering with compassion, helping them hold on to whats truly meaningful and release what no longer serves them.Creating a Peaceful Space: A clutter-free home is a peaceful home. When you clear out whats unnecessary, you create a sanctuarya place where you can relax, reflect, and focus on the things that bring you joy. Whether its spending time with family, enjoying a favorite hobby, or simply sitting in a quiet, organized room, the emotional benefits of decluttering are profound.The Joy of Simplicity: Simplifying your life doesnt mean losing what you love; it means finding clarity and freedom. By keeping only what brings you happiness or serves a purpose, you make space for meaningful momentstime spent with family, pursuing passions, or just enjoying a stress-free environment.Practical Tips for Simplifying Your Senior LifeSimplifying life doesnt have to be an overwhelming task. With the right approach, seniors can declutter their homes and create more time for the moments that truly matter. Here are some practical tips from A Call to Order Professional Organizers to help seniors simplify their lives:1. Start Small and Take It Step by StepDecluttering your entire home at once can feel overwhelming. Instead, start small by focusing on one area or room at a time. Whether its a closet, a kitchen drawer, or a spare bedroom, breaking the process into manageable steps makes it less daunting and more achievable.2. Keep Only What You Love or NeedOne of the most effective ways to simplify your life is to adopt the love it or need it rule. When deciding whether to keep or part with an item, ask yourself, Does this bring me joy? or Is this truly necessary in my life? By keeping only the items that enhance your well-being, you can create a space filled with positivity and purpose.3. Enlist the Help of Loved Ones or ProfessionalsDecluttering is often easier when done with the support of others. Whether its family members or professional organizers like A Call to Order, having someone to guide and encourage you can make the process smoother and more enjoyable. Not only does this provide emotional support, but it also helps create a shared experience with those you love.4. Digitize MemoriesFor many seniors, one of the hardest parts of decluttering is letting go of sentimental items such as photos, letters, or mementos. Consider digitizing these memories by scanning old photographs or letters and storing them in a digital format. This allows you to preserve the memories without holding on to physical clutter.5. Establish New Routines for Maintaining SimplicityOnce youve decluttered, its important to establish routines to keep your home organized and clutter-free. Set aside time each week to tidy up, donate items you no longer need, or reorganize spaces. This not only maintains the physical organization but also fosters a sense of control and peace in your home.Conclusion: A Life with More Time for What Truly MattersAt A Call to Order Professional Organizers, we believe that simplifying life is the key to finding more time for the things that matter mostwhether its spending quality moments with family, nurturing hobbies, or simply enjoying the beauty of a peaceful home. For seniors, this journey toward simplicity is about more than just letting go of clutter; its about embracing the gift of time.By decluttering your home, you can make room for the things that truly matter in your lifemore meaningful moments, greater peace of mind, and the joy of living simply. Let us help you on this journey, so you can enjoy every precious moment life has to offer.

Planning Ahead: How Naborforce Supports Families and Seniors Through the Aging Process

The aging process often begins subtly, with gradual changes that seem manageable. One day, your parent is fully independent, taking care of daily tasks without issue. Then, suddenly, it feels as though the aging process accelerates, bringing new challenges all at once. This rapid shift can be difficult for family members, especially if they haven't planned ahead.Why Aging Can Seem to Happen SuddenlyWhile aging typically unfolds slowly, research suggests it doesnt always progress in a straight line. A study published in Nature Aging found that aging tends to occur in bursts, where rapid changes in areas like metabolism, immune health, and muscle strength happen. These bursts often occur around the age of 60, potentially leading to abrupt physical declines (SciTech Daily)(AARP).If you or your loved one wait too long to prepare, you may find yourselves scrambling to deal with the sudden onset of new health challenges. This lack of preparation often leaves caregivers feeling overwhelmed, under-equipped, and burned out.The Pitfalls of Delaying PreparationMany families delay planning for their parents aging, assuming they'll manage when the time comes. Others might avoid the topic altogether because it can be emotionally challenging to discuss. Unfortunately, this wait-and-see approach often leads to caregiver burnout and strained relationships, as families are forced to juggle urgent medical needs, emotional stress, and time-consuming responsibilities without a solid plan in place.If youre struggling to discuss getting help with your aging parent, check out some of our tips here. Remember, asking for assistance during the aging process doesnt mean youre powerless!How Naborforce Can Help You Plan AheadRather than waiting for a health crisis, Naborforce provides consistent support for families throughout the aging journey. As seniors age, they often need help with simple taskslike grocery shopping or getting to appointmentsthat can quickly become time-consuming for loved ones. With Naborforce, you can arrange for a friendly Nabor to assist, allowing your parent to stay independent longer while giving you peace of mind.By building a relationship with Naborforce early, your parent will already be accustomed to receiving help. When aging accelerates, youll have a reliable support system in placesomeone familiar with your parent who can step in to help with everyday tasks. This helps ease your parents transition while giving you the time and space to focus on your own responsibilities.The Importance of Having a PlanThe key to supporting your parent as they age is to start planning before their needs become urgent. With Naborforce, you can establish a flexible plan that evolves as your parents needs change. Whether its an occasional visit or regular check-ins, Naborforce can tailor its services to fit your schedule and your parents preferences. By starting early, you ensure that you and your parent have the right support in place before bigger challenges arise.Naborforce is just one of many resources available to help with the aging process. Other tools include financial planning, setting up a trust and estate plan, maintaining a healthy lifestyle, using technology designed for senior living, and understanding the care continuum.Getting Started with NaborforceIts easy to get started with Naborforce. You can customize the level of support you need, from occasional assistance to more regular visits. Take the proactive step of setting up care before it becomes urgent, so your parent can stay comfortable, independent, and supported as they age.

Supporting Aging at Home: A Practical Guide for Families to Ensure Independence and Financial Stability

As more American families face the reality of aging, in-home care is becoming a preferred option. A recent AARP survey shows that over half of Americans aged 50 and above plan to remain in their homes as they age, and for good reasons. Staying at home offers comfort, familiarity, and with proper planning, can also be more cost-effective while promoting longer independence for elderly parents.With the continuous rise in healthcare and long-term care costs, having early and honest financial discussions is key.If your loved one is thinking about aging at home, weve created this guide with useful tips to help support senior independence while easing the financial burden.Here are steps to ensure your parents or loved ones age safely and comfortably at home.1. Start Financial Discussions EarlyWhile it can be uncomfortable to talk about finances with aging parents, its a vital conversation to have. Begin by reviewing their current financial situation, including assets, debts, and regular expenses. Also, look into possible income sources such as:PensionsSocial SecurityRetirement savings (401k, investments)Being open helps you understand your parents financial landscape while making them feel supported. Approach this conversation with compassion, emphasizing how you aim to maintain their quality of life while preparing for the future.(Need tips on convincing an aging parent to accept help? Check out our blog on how to navigate these conversations.)2. Understand the Costs of Aging at HomeAccording to the National Council for Aging, the average monthly cost of a senior care facility ranges between $4,500 and $5,300, a significant financial strain for many families. Aging at home can be more affordable, but it's essential to account for associated expenses.One of the hidden costs of aging in place is home maintenance and modifications, which can account for up to 52% of out-of-pocket expenses, according to a 2021 AARP study. Personal care services and medical staff, if needed, can also add to these expenses. For a detailed breakdown of long-term care costs, including potential surprises for families dealing with conditions like dementia, check out this Wall Street Journal article.3. Explore Long-Term Care InsuranceWith rising care costs, long-term care insurance can help cover expenses for in-home care, nursing, or assisted living. The earlier you invest in a policy, the more affordable the premiums.However, long-term care insurance may not be suitable for everyone. It can be pricey and may not cover all types of care. For more information, AARPs guide on hybrid policies, which combine life insurance and long-term care benefits, is a good resource.4. Plan for Home Modifications and SafetyTo keep your parents safe at home, certain home modifications, such as installing grab bars, ramps, or stairlifts, might be necessary. These changes can range from a few hundred to several thousand dollars depending on your loved ones health needs.(Looking for affordable ways to enhance home safety? See Naborforces top 10 safety tips for under $10.)In addition to modifications, budgeting for adaptive equipment or medical technology like alert systems is crucial. These devices help ensure that your parents can access help quickly, contributing to their independence and peace of mind.5. Managing In-Home CareIf in-home care is required, costs will vary depending on the level of assistance needed. While part-time help from a home health aide may suffice initially, your parent may eventually need full-time or 24-hour care, which can cost over $100,000 per year.Before reaching that point, services like Naborforce can offer interim support, providing help with small tasks like running errands or getting to appointments. This can extend your parents independence and delay the need for full-time care.6. Know About Medicare, Medicaid, and Other ResourcesIts essential to know what benefits your parents may qualify for. While Medicare does not cover long-term care, it can provide short-term in-home care under certain conditions, such as after a hospital stay. Medicaid, on the other hand, covers long-term care but is means-tested, so eligibility will depend on a careful review of their financial standing.You should also explore local and national programs, including veterans benefits or state assistance programs, which can help offset the cost of aging in place. In some cases, if you become a caregiver for your loved one, you may be eligible for caregiver payments, depending on your states regulations.ConclusionHelping your parents age at home requires thoughtful financial planning, including income assessments, long-term care options, and preparing for unexpected medical needs. Starting early and maintaining open communication can make the process smoother, providing your loved ones with the comfort and security of aging in their own home. And remember, whenever you need an extra hand, Naborforce is here to help!What is Naborforce?Naborforce is a service designed to help seniors maintain their independence by connecting them with "Nabors"trusted community members who assist with everyday tasks such as grocery shopping, transportation to appointments, light household chores, or simply providing companionship. By offering flexible, non-medical support, Naborforce helps seniors age in place while giving families peace of mind. It's a great option for those who want to delay the need for full-time in-home care, ensuring that older adults can continue living comfortably and safely at home with just the right amount of help!Check out our page at www.naborforce.com

Local Services By This Author

The Meridian at Punta Gorda Isles

Assisted Living 2001 Aqui Esta Dr., Punta Gorda, Florida, 33950

OPENING EARLY 2023 Introducing The Meridian at Punta Gorda Isles, where our beautiful community becomes the backdrop to your new life and your fresh start. Be proud to call our community home with its well-designed, updated apartment homes with convenient features, expert care, delicious dining, lake views, enriching activity offerings, and beautiful amenity spaces. For those with loved ones with dementia, our distinctive MONTESSORI MOMENTS IN TIME memory care programming incorporates the benefits of Montessori principles into the daily experience of our residents. Through each resident's Life Story, our Memory Care Director can incorporate purposeful and meaningful activity that can bring more joy into their life. 

The Meridian at Punta Gorda Isles

Memory Care 2001 Aqui Esta Drive, Punta Gorda, Florida, 33950

Discover The Meridian at Punta Gorda Isles, where our beautiful community sets the stage for your new life and fresh start. Take pride in calling our community home, offering well-designed, updated apartment homes with convenient features, expert care, delicious dining, scenic lake views, enriching activity offerings, and beautiful amenity spaces