We are all living in an era of rampant fraud. Scammers work overtime to develop new approaches to take advantage of people such as you and me. They involve ways to take our money or our personal information. Scams take many forms. The message and methods are convincing. They may pretend to be from a government agency, such as Social Security or the IRS. They may pretend to be from your bank or other financial institution with word that your account is overdrawn. They may pretend to be calling on behalf of a relative who needs emergency cash. Or they...

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