Avoid Financial Scams: Key Tips to Stay Safe

In this post I discuss the pervasive issue of money-related scams, outlining four key signs. I explain how to report possible scams while emphasizing caution in sharing personal information to protect you and your money.

updated May 4, 2025

Listen or read the news, and you will notice that money gets people into trouble; or people get into trouble because of money.

People misuse money themselves, or trick or force someone else into making bad money decisions.

Recognize the four basic signs of a scam:

  1. Scammers pretend to be from a familiar organization or agency, like the Social Security Administration. They may email attachments with official-looking logos, seals, signatures, or pictures of employee credentials.
  2. Scammers mention a problem or a prize. They may say your Social Security number was involved in a crime or ask for personal information to process a benefit increase.
  3. Scammers pressure you to act immediately. They may threaten you with arrest or legal action.
  4. Scammers tell you to pay using a gift card, prepaid debit card, cryptocurrency, wire or money transfer, or by mailing cash. They may also tell you to transfer your money to a “safe” account.

What to do when you suspect a scam

Ignore scammers and report criminal behavior. Report Social Security-related scams to the SSA Office of the Inspector General (OIG).

www.ssa.gov/scam

If you ever question whether a message or email is legit, call the business or go to its validated website. Even then, don’t release your personal information until you are absolutely sure.

Report fraud, scams, and bad business practices here

ReportFraud.ftc.gov

Mark scam emails and texts as “junk” and delete. If options to report are offered by your phone carrier or email provider, follow those instructions.

What motivates scammers?

Scammers prey on honest people’s needs, emotions, trust, fear, and misinformation.

Fraud, cheating, stealing, scamming, hacking, counterfeiting, embezzlement, blackmail- people are endlessly creative when using and abusing money.

The Bible connects the desire for or love of money with evil.

“But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. 

But if we have food and clothing, we will be content with that. 

Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. “

For the love of money is a root of all kinds of evil. “

1 Timothy 6:6-10, NIV

Holy Bible, New International Version®, NIV® Copyright ©1973, 1978, 1984, 2011 by Biblica, Inc.® Used by permission. All rights reserved worldwide.

Advice from the Federal Trade Commission

Spot a scam

  • Scammers PRETEND to be from an organization you know.
  • Scammers say there’s a PROBLEM or a PRIZE.
  •  Scammers PRESSURE you to act immediately.
  • Scammers tell you to PAY in a specific way.

Avoid a scam

  • Don’t give your personal or financial information in response to a request that you didn’t expect.
  • Block unwanted calls and text messages. 
  • Resist the pressure to act immediately. 
  • Know how scammers tell you to pay. 
  • Stop and talk to someone you trust.  

Exploring the HEART of health

Thanks for reading and sharing this post, information we all can use; it only takes a moment of carelessness to create hours of financial hardship. Sign up to follow this blog for more information and inspiration to live safely and healthily.

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Celebrating Women: Health and Wellness Month

Mother’s Day celebrates mothers. While many enjoy meaningful family gatherings, others may experience grief and loss, which should be acknowledged and addressed. May also marks National Women’s Health Month, focusing on women’s health needs. The Women’s Health Initiative remains a vital tool for understanding women’s unique health needs and the current administration has pledged support despite recent funding concerns.

Mother’s Day

We designate the second Sunday in May to honor mothers in the United States.

Many, if not most, nations reserve a day to honor mothers. People everywhere recognize women’s value, not only biological mothers.

American Press Association, C. C. (ca. 1912) Youngest parader in New York City suffragist parade. New York, ca. 1912. 1912 May 4, May 6. [Photograph] Retrieved from the Library of Congress, https://www.loc.gov/item/97500068/.

MOTHER’S DAY -the movie

From Garry Marshall, the director of Pretty Woman and Valentine’s Day, comes MOTHER’S DAY, an all-star comedy that celebrates parenthood and family.

Jennifer Aniston, Julia Roberts, Kate Hudson, and Jason Sudeikis lead an incredible cast in a film that intersects the lives of a group of people maneuvering their way through a crazy week of difficult relationships and family dysfunction in the week leading up to Mother’s Day.

It’s a comedy that will make you laugh, cry, and cheer! (This is an affiliate income-generating link)

Mother’s Day-a sad reality

But life isn’t a sitcom; sometimes family dysfunction, unexpected tragedies, and unfilled dreams can make this and other holidays difficult.

While many will buy flowers and cards for mothers and attend family brunches honoring motherhood, many will also spend Mother’s Day in grief and envy.

Many will spend the day mourning the absence of a loved and longed-for child. On a day dedicated to motherhood and maternal bonds, many will spend the day grieving over what they don’t have or never got to experience.

Elizabeth A Grill, Psy.D,

Dr. Grill offers advice on how to cope at this link.

Joannie DeBrito, Ph.D., offers this approach for women when Mother’s Day hurts.

If this Mother’s Day brings you hurt rather than joy, I encourage you to be honest with trusted family members and friends. Let them know you’re struggling and be willing to ask for help.

You’ll probably find that your honesty will encourage others in your life to open up and share their hurts with you. 

Joannie DeBrito, Ph.D.

If you struggle with depression, anxiety, or other issues that limit your enjoyment of life for any reason, consider seeking professional help. Start by talking to your physician, who may refer you to a mental health professional. You may also want to consider an online source for help available through Brightside.

)This is an affiliate link provided for your convenience. )

Women’s Health Month

The NCCC designates May as National Women’s Health Month.

Every year in May we shine an especially bright spotlight on the unique health needs of girls and women.

New policies and programs make quality healthcare accessible for millions and we want to make sure you take advantage of all that’s available.

You deserve to be well cared for in mind and body!

National Cervical Cancer Coalition -NCCC

National Women’s Health Week

Every May beginning on Mother’s Day, the U.S. Department of Health and Human Services’ (HHS) Office on Women’s Health (OWH) leads National Women’s Health Week (NWHW).

This observance aims to highlight women’s health issues and priorities and encourage women of all ages to prioritize their physical, mental, and emotional well-being.

Women’s Health Initiative

The Women’s Health Initiative (WHI) is a long-term national health study funded by the National Heart, Lung, and Blood Institute, or NHLBI. (An agency of the National Institutes of Health, NIH.)

The original WHI study began in the early 1990s and concluded in 2005. The study continued as Extension Studies in 2005 and 2010. The program was groundbreaking because it focused on women’s health when most medical studies focused on men.

The main research areas are cardiovascular disease, cancers, and osteoporotic fractures. Studies also focus on strategies to prevent the major causes of death, disability, and frailty in older women.

On April 22, 2025, multiple news media reported that the current administration was “gutting” funding for the WHI, shocking the medical research community.

However, barely two days later, the decision was reversed. According to CNN, HHS Secretary Robert F. Kennedy Jr. said, “we are not terminating this study.”

Preeclampsia Awareness Month

Thousands of women and babies get very sick each year from a dangerous condition called preeclampsia, a life-threatening high blood pressure disorder that occurs only during pregnancy and the post-delivery period.

Preeclampsia and related disorders such as gestational hypertension, HELLP syndrome, and eclampsia are most often characterized by a rapid rise in blood pressure that can lead to seizure, stroke, multiple organ failure, and even death of the mother and/or baby.

Post Images

The featured image was created by the AI feature of WordPress.

The photo of suffragettes with a baby is from the Library of Congress Free to Use collection.

Graphics used in this post are from the Office on Women’s Health, U.S. Department of Health and Human Services, womenshealth.gov
(last updated February 27, 2025)Accessed at [https://womenshealth.gov/nwhw]

The PDF available for download is from the National Cancer Institute.

Exploring the HEART of health

I’d love for you to follow this blog. I share information and inspiration to help you transform challenges into opportunities for learning and growth.

Add your name to the subscribe box to be notified of new posts by email. Click the link to read the post and browse other content. It’s that simple. No spam.

I enjoy seeing who is new to Watercress Words. When you subscribe, I will visit your blog or website. Thanks and see you next time.

Dr. Aletha

Choose a useful gift for Mom or Grandma

The perfect gift for a computer-savvy mom or grandma is a secure password manager like

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The Berenstain Bears book series was one of my sons’ favorites. I still like them.

Happy Mother’s Day

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