Essentials — Seniors
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The 5 golden rules
A real institution never threatens you over the phone.
The one on your card or statement — never the one given in the message.
Neither your bank nor the police will ever ask for it. Ever.
Before any unusual payment, a second opinion changes everything.
Surprise refund, lottery, inheritance: that's the bait.
The 3 most common scams
"Grandma, I've had an accident, send money fast" — often with an AI-cloned voice. Hang up and call your relative at their usual number.
Text or email pretending to be from "the tax agency" with a link. Government agencies don't send refunds by text.
"Microsoft" call or pop-up: your computer is supposedly infected. Close it, turn it off, don't call.