Category Archives: Cyber/Tech

An AARP Fraud Watch Network report is alerting consumers of scams they could encounter over the holidays. Of those surveyed, 75 percent  reported they have been targeted or experienced at least one form of fraud that can be tied to the holidays.  

“Scammers are out in force during the holidays to try to steal money or sensitive information from consumers,” said Kathy Stokes, AARP director of fraud prevention programs. “Online shopping, shipping gifts and even charitable donations can become tools for scammers to use in their schemes. Knowing the warning signs is the first step you can take to spot and avoid scams.”  

Three quarters of adults surveyed said they plan on shopping online for the holidays, but consumers need to know the red flags before logging in. Over a third of adults reported they experienced fraud when buying a product through an online advertisement. Some online advertisements can download malicious software onto devices or lead the shopper to a cloned site of a legitimate store.

Officials said scams can also occur when shoppers search online for customer service contact information. Nearly half of adults surveyed believe the customer support number found at the top of an online search can be trusted. Online ads that appear to be a legitimate company’s customer service information can be a scammer’s attempt to get consumers to call them instead. 

Use a billing statement or other information obtained directly from the company to find legitimate numbers, officials advised. Also, a retailer will never ask for your log-in information when providing customer support.

By Jill NAgy
The COVID-19 pandemic has changed the dynamics of how offices run and how business meetings are held as companies work to meet health and safety standards.
“Everyone’s jumping on the Zoom,” said Rose Miller, head of Pinnacle Human Resources, an Albany company with an office in Saratoga Springs. Miller is quick to praise Zoom and other remote communication methods, but added, “We’re all looking forward to meeting face-to-face again.”
Saratoga attorney Debra Verni of Herzog Law has been presenting “webinars” on a regular basis covering such topics as “What To Do When A Loved One Dies,” “How Not To Pay For Services,” wills versus trusts, and “Aging in Place.” She has also mastered the complicated new rules for witnessing and notarizing documents remotely. Now she no longer has to meet with clients in a parking lot or back porch to have them execute documents.
“There were a few glitches in the beginning,” she said, but things are going smoothly now.
Patti Gray Whann, owner of Glens Falls Area Realty, said the real estate industry “was way ahead” using online resources for at least 10 years. In fact, one online source, Zillow, has revolutionized the industry.
“In the old days,” she said, “Realtors had the book,” which contained all the information on real estate listings. Clients had to come into the office to look at listings. Now, “Zillow took all the information we had and put it on the internet.”
COVID restrictions prevent real estate agents from attending closings, inspections, and other steps in the purchase and sale process. But transactions can now take place remotely. Also, mandatory continuing education courses are all online this year.
Tim Halliday, a Malta businessman and president of the Malta Business Association, said the current situation “put us three to five years ahead of where we would be anyway.”

A report in November from AARP shows that 26 percent of Americans aged 55-plus have been victims of identity fraud, according to the organization.
However, more are taking additional precautions to prevent losses of personal information, as 29 percent have placed credit freezes on their credit bureau information following an identity theft incident. More than half have enrolled in identity protection or credit monitoring services, the report said.
The report, “Identity Fraud in Three Acts,” was developed by Javelin Strategy & Research and sponsored by AARP.
“Older Americans are leading more digitally infused lives, with two-thirds using online banking weekly, so it’s encouraging to see that many are taking proactive steps to protect their identity following a data breach,” said Kathy Stokes, director of AARP Fraud Prevention Programs. “Passwords still represent a security threat, however; using repeated passwords across multiple online accounts makes it easy for criminals to crack one of them so that all of your accounts, including financial accounts, become accessible.”
According to the report, consumers 55-plus want to bank using stronger security authentication. Roughly 90 percent state a desire to use more fingerprint scanning, and 80 percent view facial recognition capabilities as trustworthy forms of technology for financial transactions and private business matters.
The report also said identity fraud victims age 65-plus do not necessarily change how they shop, bank or pay following a fraudulent event, with 70 percent exhibiting reluctance to change familiar habits.
“Criminals are regularly targeting Americans aged 55-plus through a combination of sophisticated scams via computer malware and also through more traditional low-tech channels via telephone and U.S. mail,” said the report’s author, John Buzzard, lead analyst, fraud and security at Javelin. “The combination of high-tech and low-tech strategies unfortunately gives the upper hand to the criminal — not the consumer.”
The report offers several tips on protecting against identity fraud, including:
• Hang up on strangers, and independently verify everything.