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fraud

KN, p. 215 “Fraud Squad: Save Grandma from Bankruptcy”

 

In “Grandma Bought a Half-Price Whatsit” we pointed out a few phone scams that sadly, have worked on many Senior citizens. How can we keep our Seniors safe from fraudsters? One solution is to cut down on the possible interactions with the bad guys. Here are a few easy lifestyle changes for Seniors and their honest caregivers.

 

  1. Be aware that you are at risk from everyone – family members challenged by money problems may take advantage of a Senior’s vulnerability. Choose the person to help with your money who doesn’t need it, because unfortunately, over 90% of all reported elder fraud is committed by the Senior’s own family members – including their adult children and grandchildren! There are many reports of emptied joint checking accounts, and outright theft.

 

  1. Stay involved!

Some Senior citizens withdraw from the larger community, but then have nobody to share their concerns with. Sheila’s mom did volunteer work at a local church and made great friends there. Four of them organized a daily check-in system. They made phone calls to chat and make sure each was okay.

 

  1. Tell people on the phone: “I never give money over the phone to a telemarketer. Send me something in writing.” Always wait until you receive that written material. Don’t donate to anyone who will only take credit cards.

 

  1. Don’t open the door to people you don’t know.

Get a peephole installed so that you can see who’s standing on the doorstep. If you don’t recognize the person out there, ignore the knocking. They’ll go away. If they don’t, call the police and DON’T open the door except to the Police Officer.

 

  1. Shred all receipts with your credit card number

Buy—and use—a paper shredder. Check your bank and credit card statements every month and never give out personal information over the phone unless you had called them first.

 

  1. Sign up for the “Do Not Call” list and take yourself off mailing lists.

Do not let mail sit in your mailbox for more than one day. When sending out bill payments, drop the envelopes off at the post office or consider setting up automatic bank withdrawal for the predictable monthly utility bills. If you are going out of town for a few days, have the Post Office hold your mail until you get back.

 

  1. Use direct deposit for benefit checks.

Using direct deposit allows checks to go right into your accounts, protecting them from thieves who steal right from the mailboxes or from your home if the checks are left lying around for nosy visitors to see. Never leave cash lying around.

 

  1. Never give your credit card, banking, Social Security, Medicare, or other personal information over the phone unless you are the one that called them first.

Misuse of Medicare is one of the largest scams involving seniors. One ploy is to sell unneeded equipment to the clients at nursing homes. Sheila’s Mom did a stint in an Assisted Living place for a few weeks after she broke a hip. One day, we walked in and saw a brand-new, $1,000. wheelchair sitting in her room. A chair that she did not need, and had not been authorized by Sheila or anyone at the place. The salesman had come directly to her room, told Mom that she was entitled to it because of her injury, and that Medicare would pay for it. Since the guy had come to her room, Mom thought the whole thing had been cleared by all of her lovely people. Not needing the chair in the first place, she was confused, but thought the doctor had suggested the chair. Nope.

 

Review your Medicare statements and report suspicious activities to 1-800-MEDICARE. We did, and they investigated. The residence made some changes in how the sales people contacted the residents. The wheelchair company was in big trouble.

 

  1. Be an informed consumer. Take the time to shop around before buying big ticket items.

Read all contracts and understand all your rights to cancel and get a refund if needed. Don’t let yourself be pressured into buying anything. Get an endorsement from somebody you know for any repair work needed around the house. Don’t hire anyone that just shows up on your doorstep without having been called by you first.

 

If you are a Senior Citizen and you think your credit cards or bank accounts have been compromised,

  • Call your bank and/or credit card company.
  • Cancel any debit or credit cards linked to the stolen account.
  • Reset your personal identification number(s).

 

Every state operates an Adult Protective Services (APS) program. Anyone who suspects elder exploitation should make a report. Call them at 1-800-677-1116 weekdays. Additionally, the National Council on Aging is an excellent source of information in the USA for Senior Citizen programs.

 

*The Kerrians are a fictional family, but the wheelchair incident actually happened. Medicare fraud is a really big deal and reporting abuses to the system helps everyone.

 

*The savvy Senior in the photo is happily cared for by her loving, kind family.

 

 

 

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KN, p. 214 “Fraud Squad: Grandma Bought a Half-Price Whatsit”

 

Our local TV station anchors mentioned an upcoming segment dealing with Seniors who were being targeted by telemarketing scammers. They stated that law enforcement was very concerned that scams against the elderly were on the rise. Who would do such a thing to people at a more vulnerable stage in their lives? Unprincipled, greedy people who see our Senior Citizens as easy marks.

 

The phony telemarketers promise ‘Senior Emily’ a “super-duper whatsit” for a mere twenty dollars. The caller lets Emily in on a *secret* – this is half the normal price for this item and she is one of a few handful of lucky people to get this offer – then asks for a credit card # to expedite the sale. “We need to add shipping charges to get it to your house by tomorrow.” Sounds reasonable to Emily. Tomorrow comes and there is no product on the doorstep. But, the scammer now has the credit card # and is already buying electronics and whatever else his/her heart fancies. They won’t be delivered to Emily either.

 

Our Emily mentions to her son that she never got her half-price whatsit and alarm bells go off as the conversation continues. The credit card is cancelled and counseling is given, but not before thousands of dollars of merchandise has been purchased.

 

Sadly, this happens day after day all over the country, and is such a big problem in some areas that law enforcement has task forces whose sole purpose is to catch the scammers.

 

This seems like a simple problem for the family to handle. Have a chat with the Emily in your life about not giving credit card numbers over the phone to anyone? Done. The problem goes away, right? Except that most ‘Emilys’ never mention the phone call until the bill comes in. The scammers keep spending until the credit card limit is reached or the card is closed. These days, credit card companies don’t hold their customers liable for fraudulent purchases, but there are other phone scams that have the potential of wiping out Emily’s life savings with no possibility of ever recovering the money.

 

The scams include Medicare and other insurance scams, cemetery plot purchases, investment schemes, reverse mortgages, lottery scams, and in my opinion, the lousiest of all, the “relative” scam. In this one, a supposed relative calls the Senior on the phone and without identifying themselves, asks if they know who is calling. The Senior makes a guess from among the younger relatives who would call and the caller now has a real name to work with. Now they can impersonate the relative and ask for money from the Senior for a car repair, late rent, etc. and arrange to have the money sent by wire somewhere. And, sweet Emily promises not to tell the rest of the family that ‘the relative’ is experiencing tough times.

 

How despicable to prey on family connections!

 

There are many, many more scams involving Senior Citizens. The National Council on Aging lists the most common, and several of these have multiple variations.

 

And get this: According to the National Council on Aging, 60% of the financial abuse against Seniors is perpetrated by members of the victim’s own family. Not-so-nice children or siblings or grandchildren cash social security checks and keep part or all of the money. Grocery money goes missing, and the list goes on. Seniors that live alone are especially vulnerable if they have caregivers with them for part of the day who so very ‘kindly’ offer to help with finances.

 

So, what is an honest family member to do to protect Emily? The next post will reveal some tips.

 

 

P.S. The ‘Emily’ in the photo has a lovely family that takes excellent care of her needs.

 

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Kerrian’s Notebook, p.125 “Elections and Voter Fraud”

 

 

In the USA, 34 states as well as the District of Columbia open the polls for early voting, usually for about ten days before the official Election Day.

http://www.ncsl.org/research/elections-and-campaigns/absentee-and-early-voting.aspx

 

I voted earlier today and had some time afterward to look up some facts about elections and the occasional crime and misdeeds surrounding them.

 

 

Is individual voter fraud committed during modern day elections?

 

The League of Women Voters helps out at the polls in order to verify eligible voter ID, but in some areas where there are lots of voters and not enough help, errors are occasionally made, but this is not fraud. Every once in a while we hear a case about someone stuffing the ballot box or voting in place of a dead person, but that’s incredibly rare. Between 2002 and 2005 there were only 5 multiple voting cases prosecuted, and the DOJ convicted only 86 cases of ‘improper voting’ – nationwide. That’s way less than 1% of the total votes for that period of time, but election officials do make improvements as infractions occur.

 

There are serious penalties involved, because at both the federal and state level, there are big fines ($10,000 for each incident) and jail time (up to ten years in Texas).  Great motivation for folks to stay honest when at the voting booth.

 

http://www.washingtonpost.com/opinions/five-myths-about-voter-fraud/2011/10/04/gIQAkjoYTL_story.html

 

 

 

Can elections be ‘rigged’ by a candidate because of the way we vote?

 

Many parts of the country have voting machines that have curtains that close behind the voter as they enter – they are about the size of a department store dressing room and nobody can see what the voter has chosen.

The voter walks into the booth and pulls a three-foot lever to close the curtain. As the voter presses small levers next to the candidate names, votes are noted by the machine. When the curtain is opened by moving the big lever, all the votes are recorded. After the polling place closes, a polling official notes the count (the number of people who have used the machine, not the actual votes) that has been registered on the back of each machine. That final count is verified for each machine by officials from each party. But, machines break down, and the count comes under question as well as the individual votes, not because of fraud, but because of mechanical failure.

 

Other parts of the country use what can only be described as open-sided cardboard boxes that sit on desks. The voter stands in front of the box, records the votes on a paper ballot, and if he/she is tall enough, can see whatever the neighboring voter has chosen on his/her ballot. Not sure who to vote for? Check your neighbor’s answers. Those boxes are merely a nod to privacy during the voting process.

 

Paper ballots are still hand counted in many parts of the country, allowing for human error to come into play. Ballots stick together, counting doesn’t start until late into the evening, vision gets blurry when hundreds or even thousands of ballots need to be checked and rechecked at 3am.

 

In some states, completed ballots are handed directly to polling place officials; in others, a wooden box with a slot in the top is available. Sis voted in a room in Texas that had a big open bucket for the completed ballots because the wooden boxes were full. My North Carolina cousin used a paper ballot that had bar codes at the top. When he was done voting, he slid that paper into an electronic box that grabbed it like an ATM machine and recorded it. He assumes that someone emptied the box periodically, because he said it was only the size of his home printer. Where are those ballots kept during the many days of early voting? They are collected and locked up.

 

While there have been changes made to the ‘booth’ over the years, the scandal involving the style of ballot itself during a Presidential election, resulted in court cases that went on for months. Remember the ‘chad’ recount in Florida in 2000? Bush was elected, but Gore supporters declared foul.

http://cseweb.ucsd.edu/~goguen/courses/275f00/abc-chads.html

 

Throughout most political campaigns during my voting life (more years than I’d like to admit) there has been mud slinging from all sides, some campaigns more vicious than others, some better funded than others, some making up ‘facts’ about the other side.

 

As we get closer to Election Day, some of the nasty rhetoric has been scaled back, but if you believed everything being said, the ballot would look like this:

 

 

Then there are the authentic candidate scandals that rock our sensibilities. Sexual indiscretions, illegal drugs, corruption – the stuff worthy of an expose – all brought to our attention so that we can ‘throw the bums out’ or ‘keep the bums out.’ In these days of instant media coverage it’s hard to imagine why/how a sitting government official or a potential candidate thinks they can get away with some of the stuff we hear about. The thing is, we have to sort through the junk in the ads and figure out what is true and what is merely a vicious smear campaign. Just because the info is on the internet or in a TV ad, doesn’t make it true. Fact checking with three or more non-affiliated sources might help.

 

A recent article in the Washington Post (October, 2016) points out some of the problems with current accusations about voter fraud and election rigging:

https://www.washingtonpost.com/news/the-fix/wp/2016/10/29/is-this-proof-of-voter-fraud-or-election-rigging-a-user-guide/

 

 

What does entertainment media have to say?

Hollywood does not always look upon Election Day with favor, perhaps because there are so many colorful candidates, hot button issues, and actual scandals that just beg for a great script. Here are five popular election themed movies:

 

The Candidate (1972) – candidate has no hope of winning, and he’s in the race so that he can speak up about the issues. But, his ideas resonate with the voters and he wins.

http://www.nytimes.com/movie/review?res=9807E6DA1F3EE63BBC4850DFB0668389669EDE

 

 

All the President’s Men (1976)- based on investigative journalism concerning the real-life Nixon/Watergate scandal that eventually caused the downfall of the administration. People went to jail as a result of the illegal activities uncovered.

 

http://www.cbsnews.com/news/all-the-presidents-men-at-40/

 

 

Wag the Dog (1997)- dark comedy involving a Presidential sex scandal about to be exposed the day before election, and a fake war staged to distract the voters.

http://www.rogerebert.com/reviews/wag-the-dog-1998

 

 

Swing Vote (2008)-  ‘every vote counts’ taken to its extreme. Some say, conceptually based on the actual Humphrey/Nixon 1968 Presidential campaign, where the voting was so close that one more vote in each precinct nationwide might have changed the result.

http://www.rogerebert.com/reviews/swing-vote-2008

 

 

Ides of March (2011)- a look at the inner workings of a state level campaign, and how staffers create the media image of a candidate, sometimes with terrible results. Integrity in politics is explored. http://www.sonypictures.com/movies/theidesofmarch/

 

 

If reading about elections interests you, any bookstore will have several non-fiction titles written by the campaigners themselves, most notably Presidential contenders and winners. At this time of year? They’re probably on display near the front of the store.

 

Whatever your party, whatever your ‘hot button’ issue, whomever your favorite candidate – get out there and vote. If you suspect irregularities at your polling place, report the problem to the entity in your state that oversees elections – either the Secretary of State or the State Board of Elections.

 

If you think that it’s time to ‘throw the bums out,’ then vote. It’s the only way to change the status quo. In my opinion, if you don’t vote, you don’t have a right to complain about the outcome. Thank goodness there are plenty of honest, good-hearted candidates that want to serve. They need your vote to make and/or support good programs for your community.

 

Then, after you vote, thank a veteran. They helped protect our right to continue to do so in this great, free country in which we live.

 

*Ballot design by Patti Phillips. No actual wombats were listed on Kerrian’s ballot today.

*Updated November, 2016

 

 

 

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