According to Audri Lanford, Co-director of Scambusters.org, "Consumers are less likely to be careful" during the holidays.
By Tamara E. Holmes
I know you are smarter than that but for those family members and friends of yours who may be tempted to throw caution to the wind, share these tips with them:
Gift CardsHow it works: A con artist buys a gift card, spends the balance, then sells the card online. When the recipient goes to cash in, the card has no value.
Avoid being a victim: Your best bet is to purchase gift cards directly from a retailer that you know and trust. Do not buy gift cards from online sellers that are not major retailers that you know and trust.
Holiday E-Greeting CardHow it works: A well-meaning friend or co-worker e-mails you a greeting card attachment. Opening it downloads software onto your computer that hacks your files and makes your personal information vulnerable.
Avoid being a victim: Update your anti-virus and anti-spyware software. Instead of clicking on links or attachments, type the Web address of the greeting card site in a new browser window and enter your e-mail address to view your card. This tip by Brian Trombley, product manager with McAfee.
CharitiesHow it works: A letter asks you to make a donation for Christmas gifts for needy children on for food purchases for homeless families but the imposter steals the money.
Avoid being a victim: Always request written information about the charity first. If you feel uneasy about a donation request, visit watchdog sites such as the Better Busienss Bureau's Wise Giving Alliance (give.org)
Spam SolicitationHow it works: An e-mail contains an offer to sell, at a low price, the video game your niece has been beggin for. You send money but never receive the game.
Avoid being a victim: Never respond to unsolicited email - of any kind. Be leary of anyone who tries to sell merchandise via e-mail. If your email system says it's spam, that means it's a scam.