To spot and avoid these types of scams, here are some things to remember:

• The government won’t get in touch out of the blue about grants. It won’t call, text, reach out through social media, or email you. In fact, real government grants require an application, are completely free to apply for, and are always for a specific purpose.
• All investments have risks. No one can guarantee a specific amount of return on investment, or that an investment will be successful.
• Honest employers won’t ask you to pay to get a job. If someone claims you can make a lot of money in a short time with little effort — you just need to pay for starter kits, “training,” or certifications — that’s a scam.

4 Signs That It’s a Scam

1. Scammers PRETEND to be from an organization you know.

Scammers often pretend to be contacting you on behalf of the government. They might use a real name, like the Social Security Administration, the IRS, or Medicare, or make up a name that sounds official. Some pretend to be from a business you know, like a utility company, a tech company, or even a charity asking for donations.

They use technology to change the phone number that appears on your caller ID. So the name and number you see might not be real.

2. Scammers say there’s a PROBLEM or a PRIZE.

They might say you’re in trouble with the government. Or you owe money. Or someone in your family had an emergency. Or that there’s a virus on your computer.

Some scammers say there’s a problem with one of your accounts and that you need to verify some information.

Others will lie and say you won money in a lottery or sweepstakes but have to pay a fee to get it.

3. Scammers PRESSURE you to act immediately.

Scammers want you to act before you have time to think. If you’re on the phone, they might tell you not to hang up so you can’t check out their story.

They might threaten to arrest you, sue you, take away your driver’s or business license, or deport you. They might say your computer is about to be corrupted.

4. Scammers tell you to PAY in a specific way.

They often insist that you pay by sending money through a money transfer company or by putting money on a gift card and then giving them the number on the back.

Some will send you a check (that will later turn out to be fake), tell you to deposit it, and then send them money.

What You Can Do to Avoid a Scam

• Block unwanted calls and text messages. Take steps to block unwanted calls and to filter unwanted text messages.
• Don’t give your personal or financial information in response to a request that you didn’t expect. Legitimate organizations won’t call, email, or text to ask for your personal information, like your Social Security, bank account, or credit card numbers.
• If you get an email or text message from a company you do business with and you think it’s real, it’s still best not to click on any links. Instead, contact them using a website you know is trustworthy. Or look up their phone number. Don’t call a number they gave you or the number from your caller ID.
• Resist the pressure to act immediately. Legitimate businesses will give you time to make a decision. Anyone who pressures you to pay or give them your personal information is a scammer.
• Know how scammers tell you to pay. Never pay someone who insists you pay with a gift card or by using a money transfer service. And never deposit a check and send money back to someone.
• Stop and talk to someone you trust. Before you do anything else, tell someone — a friend, a family member, a neighbor — what happened. Talking about it could help you realize it’s a scam.
  
  

Be Aware of Scams

Awareness is a good start to staying informed about current scams. Sign up for FTC Consumer Alerts to further ensure your safety.

Report a Scam

If you come across a scam, report it to the FTC at ReportFraud.ftc.gov. While the FTC uses reports to investigate and bring cases against fraud, scams, and bad business practices, it can’t resolve reports on behalf of individuals. However, the FTC will share your report with more than 3,000 law enforcement partners.

Additionally, check out what scams are happening by state by visiting ftc.gov/exploredata.

Don't Be A Victim of a Scam

As prices rise, so do scams. Keep an eye out for scammers, and remember: If it looks or sounds suspicious or too good to be true, don't click the link, and don't take the call.

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 Sources:  Federal Trade Commission (FTC) and Federal Trade Commission and Consumer Advice