内容摘要：He recalled feeling overwhelmed in a new country where he couldn’t speak the language and didn’t understand social norms. He didn’t even know how to get around or make a living.

He recalled feeling overwhelmed in a new country where he couldn’t speak the language and didn’t understand social norms. He didn’t even know how to get around or make a living.

When a scammer contacts you via phone or email, they use language that makes it seem like there is a problem that you need to solve. For example, a scammer contacts you over email telling you that your tax return has an error and if you don’t fix it you’ll get in trouble.Because scammers are good at creating a sense of urgency, people tend to rush, which makes them vulnerable. Scammers often tell people they need to act right away, which can lead to them sharing private information such as their Social Security numbers.

Scammers use money as bait, Efstathopoulos said. They might impersonate tax professionals or the IRS saying you will get a bigger tax refund than you expect if you pay them for their services or share your personal information.Simply being aware of typical scams can help, experts say. Robocalls in particular frequently target vulnerable individuals like seniors, people with disabilities, and people with debt.“If you get a robocall out of the blue paying a recorded message trying to get you to buy something, just hang up,” said James Lee, chief operating officer at the Identity Theft Resource Center. “Same goes for texts — anytime you get them from a number you don’t know asking you to pay, wire, or click on something suspicious.”

Lee urges consumers to hang up and call the company or institution in question at an official number.Scammers will also often imitate someone in authority, such as a tax or debt collector. They might pretend to be a loved one calling to request immediate financial assistance for bail, legal help, or a hospital bill.

often target lonely and isolated individuals, according to Will Maxson, assistant director of the Division of Marketing Practices at the FTC. These scams can take place over longer periods of time -- even years.

Kate Kleinart, 70, who lost tens of thousands to a romance scam over several months, said to be vigilant if a new Facebook friend is exceptionally good-looking, asks you to download WhatsApp to communicate, attempts to isolate you from friends and family, and/or gets romantic very quickly.“It’s perfectly okay,” he said. “The IRS deals with every single taxpayer. They have dealt with this before. There’s nothing they haven’t seen.”

The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on

of your parents’ house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma.“Entering a new year doesn’t erase all our financial challenges from the prior year,” Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.”