September 2026

Spot Medicare scams involving fake calls texts mail emails door knocks new card claims Medicare Number verification free genetic testing back braces knee braces medical equipment open enrollment urgency and coverage threats, including knowing Medicare does not call to verify activate or reissue cards, legitimate equipment comes from doctors not cold calls, refusing gift cards wires and phone payments, calling 1-800-MEDICARE or using Medicare.gov directly, reporting exposed Medicare Numbers, checking Medicare Summary Notices and online claims, reporting to HHS OIG, freezing credit after Social Security or bank exposure, and helping seniors review unexpected contact.

Understand the difference between malware viruses spyware ransomware worms trojans adware and browser hijackers across Windows Mac Android and iPhone, including malware as the umbrella term, viruses attaching to files and spreading, spyware secretly monitoring keystrokes browsing messages and passwords, ransomware locking or encrypting files for payment, worms spreading through vulnerabilities, trojans disguised as legitimate programs, identifying symptoms such as ransom notes slow devices popups changed homepages account logins and suspicious apps, running full scans with reputable antivirus, disconnecting after ransomware, resetting passwords after spyware, and recognizing fake virus warning popups.

Recognize lottery sweepstakes and prize scams by call letter text or email, including fake foreign lotteries Mega Millions Powerball dealership giveaways and charity raffles, knowing you cannot win a contest you did not enter, refusing upfront fees taxes processing insurance customs or release charges, understanding U.S. taxes on real prizes are paid after the fact to the IRS, avoiding gift cards wires crypto fake checks and partial money-back requests, spotting urgency secrecy and foreign lottery claims, verifying organizations through official contact information, avoiding suspicious prize checks, reporting to the FTC and USPS Postal Inspection Service, blocking without replying, understanding older adult loss patterns, and contacting banks or payment providers after sending money.

Recognize jury duty scams in the United States, including callers pretending to be sheriffs deputies court clerks police or courthouse staff, claims about missed jury duty contempt of court warrants arrest and immediate fines, knowing courts follow up by mail and do not resolve missed summons by phone payment, avoiding gift cards wire transfer cryptocurrency and payment apps, understanding caller ID spoofing, hanging up without confirming personal details, calling the courthouse using official contact information, contacting banks card issuers payment apps or gift card issuers after payment, freezing credit after sharing Social Security numbers or birth dates, and reporting to the FTC local police and court authorities.

Tell whether a job offer is fake, especially remote work-from-home offers by email text LinkedIn WhatsApp Telegram or messaging apps, including offers without real interviews, chat-only recruiters, upfront equipment training software payments, fake checks and overpayment requests, reshipping package jobs, unusually high pay for vague work, verifying company careers pages, searching recruiter names and posting text, checking sender email domains, calling the company from its official website, avoiding spending deposited checks, reversing wires or gift cards quickly, identity theft steps after sharing SSN bank accounts or ID, stopping package reshipping, and reporting to FTC LinkedIn or job boards.

Decide whether Microsoft Defender Antivirus is enough on Windows 10 and Windows 11, including independent AV-TEST and AV-Comparatives results, Defender integration with Windows, automatic updates through Windows Update, real-time protection cloud lookups and ransomware behavior detection, low performance impact, when paid suites may be useful for VPN identity theft monitoring password managers parental controls web filtering support or older unsupported Windows versions, avoiding two real-time antivirus tools at once, using Malwarebytes as an occasional second opinion, checking Windows Security Virus and threat protection status, enabling cloud-delivered protection, and running occasional full scans.

Check whether an app is safe before downloading from the Apple App Store Google Play APK files or web links, including verifying developer names, install counts, review volume, recent reviews, permissions, developer scam searches, official brand app links, risks from non-App-Store iPhone profiles and Android sideloaded APKs, keeping Google Play Protect on, avoiding modded cracked paid apps, turning off unknown source install permissions after use, removing suspicious apps, changing passwords after fake login screens, scanning phones for malware, and reporting suspicious apps through store listing pages.

Tell whether a text from a bank or credit union is real, including suspicious charge locked account and fraud alert messages, avoiding links in bank texts, calling only the number on the card or official app, never replying with full card numbers PINs passwords or one-time verification codes, understanding real bank alerts may ask simple yes or no but not login through text links, checking the official banking app for matching alerts, changing passwords after credential entry, calling the real bank after sharing one-time codes, freezing cards after card or PIN exposure, checking transactions and payees, forwarding spam texts to 7726, filing FTC reports, and using app push alerts.

Recognize Publishers Clearing House scams by phone email text letters and mail, including the rule that real PCH never asks winners to pay fees taxes shipping processing charges or release costs, knowing major Prize Patrol wins are delivered in person without advance payment calls, verifying that you actually entered, checking pch.com sender domains, spotting urgency secrecy and fake check overpayment scams, contacting PCH through official channels, avoiding checks that require money back, reporting to the FTC PCH and USPS Postal Inspection Service, warning older adults, and contacting banks or wire services quickly if money was sent.

Understand whether public Wi-Fi is safe at coffee shops airports hotels and other open networks, including how HTTPS changed old eavesdropping risks, why fake hotspots and spoofed network names still matter, risks from unencrypted apps older email setups and man-in-the-middle attacks, device-to-device exposure on open networks, confirming network names with staff, checking HTTPS and Not Secure warnings, setting Windows networks to Public, turning off file sharing, using VPNs as an extra privacy layer, using cellular or mobile hotspot for banking and tax filing, and knowing routine browsing is usually lower risk today.