Internet fraud that targets seniors

The following list describes the most common scams that target seniors in the contemporary digital landscape, and how to avoid them.

1. Social Security Scam

Tens of thousands of seniors in the US have fallen victim to this new social security scam. Scammers create legitimate online accounts with the social security website and redirect payments to their own personal accounts. With over 59 million Americans receiving social security benefits in 2014, this scam targets many individuals’ primary source of income.

Never share your social security details with anyone, ever.

2. Funeral Invitation

As we reach more mature phases of life, we anticipate more loved ones and acquaintances passing away. Internet con artists take advantage of this sad fact of life and send out fake funeral invitations to lure in older individuals. When the victim sees the email, they click a link or open an attachment to learn the name of their deceased friend/acquaintance. Then malware attacks their computer and steals sensitive information that can be sold to cyber criminals or used immediately to steal money.

It is cruel, but scammers don’t care about your feelings. Be careful when opening any attachments.

3. Work at Home Scams

Everyone is looking to make an extra buck here and there, and seniors are no exception. Often older members of a household may want to contribute more to family finances, but this noble mission can end poorly for those who respond to fake advertisements. If it seems too good to be true, requires specialized training, or asks for “training” money, it is most likely run by a scammer looking to get access to an unsuspecting victim’s bank account (or even some free labor).
Working from home is very attractive not only to seniors, but also stay-at-home moms and individuals with limited mobility and resources.

4. Lottery/sweepstakes Scams

Since older internet users may be less experienced than their younger counterparts, they may easily fall for a sweepstakes scam, often in the form on an email informing them they have won some kind of prize (usually money). The email will ask for funds to release the prize money or sensitive personal information to allegedly pay taxes or bank fees.

If it sounds too good to be true, it probably is.

5. Fake Online Pharmacies

Seniors have more ailments, and as result, potentially high medical bills depending on the country they reside in. Other times they struggle with mobility and transportation. Either of these issues makes using an online pharmacy a tempting option. However this need makes the elderly  vulnerable to fraudulent online vendors. This can be confusing for many people, not just seniors, because legitimate online pharmacies do actually exist. But according to the NABP (National Association of Boards of Pharmacy) 96% of online pharmacies operate outside of existing legal structures, and “fuel prescription drug abuse and misuse.”

There is a thin line between cheap and fraudulent.

6. Sweetheart Scam

Many older individuals suffer from loneliness. In England alone, over 61% of all people over the age of 75 live alone. It’s natural for older internet users to turn to dating sites and social media to alleviate this loneliness.

Unfortunately, this also increases their risk of falling for a “sweetheart” scam. These cyber criminals lure in their victims with a prospect of love, usually through many back and forth messages. These fake “sweethearts” ultimately exploit the victim’s pocketbook, asking for funds to come and visit or to buy basic necessities. People have reported being scammed up to hundreds of thousands of dollars.
Love makes us happy, but it can also make us blind for fraud.

Love makes us happy, but it can also make us blind when it comes to fraud.

7. Grandparent Scam

This is an old trick that preceded the internet: an alleged “grandchild” calls from a noisy location, telling the grandparent in question that they are in trouble and need money immediately. Nowadays, this can also come in email form.

Criminals even going so far as to accurately assume the identity of the victim’s grandchild or family member and claim the matter is incredibly urgent. Desperate to help their beloved, this stops internet users from thinking twice about sending money.

Don’t let scammers tug at your heartstrings. Always call your loved ones before sending them money.


8. Investment Scams

The only person getting rich is a successful scammer.

While investments made online have become increasingly popular, so has scamming people with get-rich-quick and Ponzi schemes. These can take the form of professional looking ads, websites, and videos that detail how other individuals

have made their fortune this way. Other times it will come in the form of an email from a trusted source, like a family member or friend. Unbeknownst to them, their email account has been have hacked and a scam artist is utilizing it to

lure unsuspecting victims into paying large sums of money they will never see again.

9. Fake Check Scam


There are lots of trusted platforms that enable you to securely send and receive money for your goods. The internet can be a great place to sell that old couch or elliptical machine, but you should be wary of the offers you receive. When an unsuspecting victim puts something up for sale on the internet, they may be impatient to rid themselves of the listed item and make some quick cash. Unfortunately this is when scammers strike, offering the lister a cashier’s check that’s often made out for more than the agreed upon price. The victim will pay the scammer the difference only to find out later that the check is a fraud. Seniors are more likely to fall for this scam because they trust older forms of payments like checks over secure forms of internet-based payments.


10. Charity Scams

Looking into the eyes of a poor child makes it hard to say no or think straight…

Charity scams are old news in the realm of telemarketing, but are their increasing presence online is a cause for concern. Seniors should be wary of any emails that ask them to contribute to a charity, even if the associated website and materials appear legitimate and well designed. Most federal governments have lists of registered charities, and the representative in question should be able to provide a registration number or ID that can be cross-referenced with the appropriate national registry.

Protecting yourself from Internet scams

Reading about all these scams may have you thinking that you should just turn off your computer for good! But protecting you and your loved ones from over hundreds of internet scams is just a matter of taking a number of simple

precautions:

    * Set up financial accounts online with a trusted family member
    * Create complicated, un-memorizable passwords for all of your accounts
    * Install trustworthy anti-malware
    * Always learn the whereabouts of your family when you suspect their identity has been stolen
    * Be wary of “officials” contacting you stating they are from a financial institution or the government
    * Never open an attachment from an unidentified source
    * Be suspicious of emails, ads, and websites that offer you money in exchange for personal information or an upfront payment
    * Learn what precautions to take when dating online

Scams can bring lots of stress to your entire family, but they don’t have too. A combination of adopting the habits listed above and communicating regularly about your safety concerns can significantly reduce your exposure to internet fraud.

Just remember, a healthy dose of suspicion goes a long way. Not everyone is trying to take advantage of your trust online, but few things are worth the risk.


found at Emsisoft Blog.  [  http://blog.emsisoft.com/2015/07/06/top-10-senior-citizen-scams-that-affect-the-whole-family/ ].

Is Your Windows 10 Activated

Windows 10 has been out for a little over a week now, and a good portion of Windows users have already utilized their free Windows 10 upgrade. As soon as you upgrade your system, Microsoft automatically activates your Windows 10 copy in the background, assuming that you’ve upgraded from genuine Windows 7 or 8 versions.

Since the Windows system doesn’t display any “Successfully Activated” type of messages, there will be a bit of confusion whether the installed or upgraded version of Windows is activated or not. The confusion is particularly true if you’ve reinstalled Windows 10.

So, if you ever need to, here is how you can check to see if your Windows 10 system is activated or not.

Check Activation Status through System Window

One of the easiest ways to check the Windows 10 activation status is to look at the System applet window. To do that simply press the keyboard shortcut “Win + X” and select the “System” option. Alternatively, you can also search for “System” in the Start menu.

Once the System window has been opened, scroll down and you will find the wording “Windows is activated” under the Windows Activation section if your system is activated.

This window even displays the option to change the product key if you ever need it, like when you are upgrading from one edition to the other.

By Vamsi Krishna for MakeTechEasier

Windows 10 Ransomware attacks.

Just days after Microsoft released its latest operating system, hackers have begun targeting soon-to-be Windows 10 users with an emerging kind of malware.

Cisco security researchers are warning users against opening email attachments purporting to be from the software giant. The "ransomware" malware, which encrypts files until a ransom is paid, is being sent as part of an email spam campaign.

In a blog post, Cisco researcher Nick Biasini said the attackers are "impersonating Microsoft in an attempt to exploit their user base for monetary gain."

The emails claims its attachment includes an installer that allows users to get the new operating system sooner.

"The fact that users have to virtually wait in line to receive this update, makes them even more likely to fall victim to this campaign," said Biasini.
Once a user downloads and opens the attached executable file, the malware payload opens, encrypting data on the affected computer, and locking the owner out.
Often, the user is forced to pay in bitcoin, which is far more difficult to trace than using a traditional bank account. And, because attackers are communicating with a command server over the Tor anonymity network, it makes them almost impossible to trace.Biasini said the malware payload, called CTB-Locker, is being delivered at a "high rate." The functionality is standard however, using asymmetric encryption that allows the adversaries to encrypt the user's files without having the decryption key reside on the infected system," said Biasini.That means that there's no clear way to get the decryption key until the ransom is paid.

Ransomware attacks have been on the increase since the start of 2015 as a quick, easy, and often near-untraceable way to generate vast sums of money in a short space.
In more than a year, a division of the FBI received almost 1,000 complaints related to crypto-locking malware, costing consumers $18 million in losses.

Post by Zack Whittaker ,znet.com.
http://www.zdnet.com/article/windows-10-scam-email-will-encrypt-your-files-for-ransom/?tag=nl.e539&s_cid=e539&ttag=e539&ftag=TRE17cfd61

Here is a direct link to download Windows 10 that works.

If you haven't been added to the Windows 10 download queue or if you haven't received notification that Windows 10 is available, you can do it yourself online using Microsoft's own tools. Just go to:

 http://windows.microsoft.com/en-us/windows-10/media-creation-tool-install?ocid=ms_wol_win10

 You need to know if you have a 32- or 64-bit copy of Windows. Click on the link at the bottom of the page, and the updater kicks in. You have two choices: Either Upgrade this PC now, or Create installation media for another PC.

If you choose Upgrade this PC directly, your "genuine" Windows 7 SP1 or Windows 8.1 Update machine will be updated to W10. It may take a while, but you don't need to be part of the upgrade reservation program to do so.

If you choose Create installation media, Windows asks if you want Home or Pro. (There's a handy list of free upgrades on the official Installation Tool page that basically says that: Win7 Starter, Home Basic, Home Premium, 8.1 and 8.1 with Bing get Windows 10 Home; Win7 Pro, Ultimate, Win 8/8.1 Pro, 8/8.1 Pro with Media Center get Windows 10 Pro.) Once you've made your choose, its language, and its bit count, the Installation tool offers to either (a) create a USB drive that you can use as a boot drive or (b) download the corresponding ISO file, which you can use any way you normally use ISO files.

Click Next and wait ... and wait....In the end, you'll either be upgraded in-place, or you'll have a USB drive or ISO to run it yourself.

How to Cancel the Windows 10 Upgrade If you Changed Your Mind

Microsoft has made it incredibly easy to opt into the upgrade to Windows 10, but it’s equally a breeze to cancel out of it if you’ve changed your mind. All you have to do is use the app you used to upgrade with – we’ll show you how.

While Windows 10 offers great new features like Cortana, a modern design, connected Xbox gaming, and more, there’s no need to rush into upgrading when most current Windows owners will be able to get it free within the year.

If you had reserved your copy of Windows 10 and have now changed your mind, please pop into the comments section after the article to let us know why.

Get Windows 10 App

If you haven’t used it already, you’ve probably noticed the Windows icon on your Taskbar encouraging you to upgrade to  Windows 10. If you can’t see it, read our guide on how to enable the upgrade notification.

Click the Windows logo and you’ll be invited to reserve your copy of Windows 10 for when it releases on July 29th through the Get Windows 10 app. The new operating system is free for many existing Windows users and Microsoft is keen to get as many people upgrading as they can.

By reserving Windows 10, installation files will be downloaded to your system at some point prior to the official release. Rather than have everyone slam Microsoft’s servers on launch day, it’s better for them to dish the files out in batches. Come July 29th, those who have reserved their upgrade will be able to move to Windows 10.

Why Cancel?

You may have already opted in for the upgrade and now want to cancel. There are varying reasons why one might want to remove themselves from the reservation list. Firstly, the installation files take up 3GB of hard drive space (not the actual operating system itself, which will be 16GB and 20GB for 32-bit and 64-bit respectively), and that space might need reclaiming.

Secondly, it could be that you reserved prematurely and now you’ve decided that Windows 10 just isn’t for you. For my money there are many reasons to upgrade to Windows 10, but perhaps some recent feature announcements have turned you off. The idea of all updates being forced has been a controversial one, for example.

Thirdly, it’s always difficult to judge how an operating system is going to perform when released to the masses. Although Windows 10 has been through a public preview program, allowing Microsoft to whittle away any bugs that get reported, that’s nothing compared to the problems that could be encountered by the wider consumer base. Holding off on the upgrade will mean that Microsoft can resolve any teething problems, allowing you to jump in down the line.

Finally, perhaps you or someone you know just simply accidentally upgraded without appreciating what it was. Especially for those who aren’t so technology proficient, the changes coming in Windows 10 might be too bothersome for them to get to grips with and it could be easier to keep using the same operating system.

How to Cancel

Whatever the reason for cancelling the upgrade reservation, it’s incredibly easy to do. First, click the Get Windows 10 app icon in your taskbar, which will then launch in a new window. Now, click the hamburger icon (the three horizontal lines) and select View confirmation from the menu. Then click Cancel reservation, at which point you’ll be asked if you’re sure. Since you are, go ahead and select Cancel reservation again.

And that’s it! Told you it was easy. The upgrade is now cancelled and you won’t be prompted to move over to Windows 10 come launch day. However, if you have a change of heart then don’t worry. Just follow the original steps you took to opt int for the upgrade, using the app, and you’ll be back on board for Windows 10.

On the other hand, if you want the upgrade icon to go away entirely and wipe your hands clean of all things Windows 10, be sure to check out our guide on how to remove the notification.

Windows 10, Be Gone

Windows 10 is apparently going to be the final version of Windows, so it’s conceivable that the majority of systems in the future will be running it. And even if you decide to opt out of the free upgrade for the first year, it’ll still be available at retail for a cost.

If you’re in no rush to get Windows 10, you probably may as well cancel the upgrade. Let the operating system find its feet with the mass market and work out any kinks before diving in later on. The upgrade app will stick around, since Microsoft is keen to move everyone over.

Written by Joe Keeley 

http://www.makeuseof.com/tag/cancel-windows-10-upgrade-changed-mind/