PHOENIX – Una investigación reciente de la AARP encontró rasgos característicos en la gente que tiene más peligro de ser víctima de un fraude por internet. El estudio examina conductas clave y experiencias vividas que podrían aumentar las probabilidades de ser blanco de estos delitos.

Así pues, el riesgo de que usted sea víctima de un fraude por internet, pudiera depender de ciertas conductas y de la cantidad de tensión negativa que haya en su vida. Cynthia Fagyas, vocera de la AARP Arizona, dice que el estudio identificó 15 conductas clave y experiencias de vida que pudieran aumentar la posibilidad de que una persona sea estafada.

"Cliquear en las ventanas emergentes, esas que todos hemos visto aparecer en nuestras pantallas. A todos nos intriga abrir un correo de alguien desconocido. Inscribirnos en ofertas con período de prueba gratis, también es una conducta riesgosa."

La investigación también encontró que las víctimas de fraudes en línea han tenido 53 por ciento más vivencias negativas, como perder un empleo, dificultades financieras o el aislamiento.

De cada 10 arizonianos, nueve confesaron sentir temor de dar información personal o financiera por internet, y aún así Fagyas dice que el reporte detectó que casi la cuarta parte de ellos descuidan un simple paso de seguridad.

"No cambian sus contraseñas seguido. Eso es algo que pudiera evitar que nos ocurra un timo o un fraude por internet."

Y aunque casi el 80 por ciento de los arizonianos manifiestan miedo de ser timados por internet, Fagyas dice que la mitad de ese grupo tenía ideas erróneas sobre cómo son las cosas en el mundo del internet.

"Los bancos no mandan correos a sus clientes pidiéndoles que pulsen un enlace para verificar su información personal. Los arizonianos por lo general tampoco tienen conciencia de que una política de privacidad no siempre quiere decir que el sitio de internet no compartirá su información con otras empresas."

Para ayudar a reducir el problema, Fagyas dice que la AARP creó una Red de Vigilancia del Fraude (Fraud Watch Network), en la que expertos, agentes del orden y arizonianos comunes comparten información.

"Si te inscribes en esa red, puedes recibir alertas sobre los timos que estén sucediendo en tu área en particular."

Para esta investigación la AARP entrevistó a más de 11 mil personas en todo el país, incluidas 962 en Arizona.

El estudio puede consultarse en AARP.org.



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Wisconsin lawmakers recently debated reforms for payday loans. Efforts to protect consumers come amid new research about financial pain associated with cash advances offered through smartphone apps. The Center for Responsible Lending is out with findings that detail how "earned wage advances" from digital platforms come with extra costs disguised as things like tips. Traditional payday lenders are often criticized for charging excessive interest rates on loans that are usually around $500.

Lucia Constantine, a researcher with the Center for Responsible Lending, said customers are usually seeking smaller amounts from the apps, but she warns they can be just as costly.

"They are trapping consumers in a cycle of borrowing that is similar to that of a payday loan, " she said.

The report said after using these financial products, customers are seeing overdrafts on their checking accounts increase by 56% on average. Industry leaders deny they're barraging consumers with hidden fees, stressing that features such as suggested tips are optional. More broadly, a bipartisan payday loan reform bill in the Wisconsin Legislature failed to advance this month.

Constantine said like longstanding payday lenders, these cash advance apps can be hard to regulate. Meanwhile, she urged those in a bind to explore other options.

"[They should] try talking to their friends and family as a first source. The other option which I would recommend is reaching out to their credit union or banking institution to see if they can get some sort of small-dollar loan," she said.

She noted places such as credit unions typically provide more transparency on loan costs. According to the report, three-quarters of consumers took out at least one advance on the same day or day after a re-payment was posted.


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Food prices remain high, in Montana and across the country.

A new report by the Federal Trade Commission says the country's largest grocery companies are gouging consumers, by keeping prices artificially high.

Many grocers, retailers and wholesalers have consolidated to cut costs. Grocers continue to blame supply chain problems, even though regulators have said most of those issues have been resolved.

President of the advocacy group Farm Action, Angela Huffman, said retailers were doing more than making up for lost revenue during the pandemic-era supply chain disruptions - and the FTC report says they continue to do so.

"In 2021, the retailer revenues, they rose to more than 6% higher than their total costs, and that those profits are still going up," said Huffman. "So, in the first nine months of 2023, the profits increased to 7%."

At nearly 6.5%, Montana had the nation's ninth-highest grocery price increase in 2023.

The FTC data show Amazon, Kroger and WalMart each gained market share during and after the pandemic - while profits continued to rise.

Other large retailers and wholesalers have consolidated, which they say gives them more buying power and the ability to pass those savings on to customers.

Huffman said that isn't what's happening, and calls on regulators to fine the grocers, or more.

"This would be kind of the farthest extent of what they could do, but go so far as breaking them up," said Huffman. "In years past, they broke up the telephone companies and the railroads and, you know, that would be the ideal outcome for us, is to take away their excessive power."

Huffman also points to a 150% increase in egg prices in 2023, which producers blamed on the avian flu. The FTC says the disease did not justify the drastic price hike.

April is Financial Literacy Month, when the focus is on learning smart money habits but also how to protect yourself from fraud.

One problem on the rise in the Southeast is the "impostor" scam, when scammers represent themselves as fake government agents or bogus businesses. They are really on the prowl for your cash and personal info, costing victims in North Carolina almost $190 million last year alone.

Natalya Rice, Southeast Regional attorney for the Federal Trade Commission, listed some key red flags to look out for.

"Utilizing a payment app, sometimes even cryptocurrency, things like that," Rice noted. "Anyone who contacts you from what seems like it could be a legitimate company or business, if they're asking you to send them money or some type of payment through one of these type of payment methods, that is a red flag that you're dealing with a scammer."

Other warning signs include requests to transfer your funds or even demands for a verification code to access an account. If you have concerns, Rice advised it is best to stop communication and contact the actual company directly. Still other scams big in the Southeast include online shopping, investments and job offers.

Nationwide, a record $10 billion was lost to scams in 2023.

More than 25,000 North Carolina residents reported possible identity theft last year. Rice recommends acting promptly when you realize or suspect you have been scammed. The first step is to contact your financial institution and report the incident to its fraud department. She added it is crucial to notify federal and state agencies for further investigation.

"You can go to reportfraud.ftc.gov and fill out a report there and let us know what happened," Rice noted. "In the state of North Carolina, there's also another place you'll want to report it to, and that's the North Carolina Attorney General's Office."

If you suspect your identity has been compromised, Rice stressed the FTC can assist you in developing a recovery plan. She added getting your money back is never guaranteed but the sooner a scam is reported, the sooner it can be investigated and other people can be warned.


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