Scams separate millions of Americans from their money this time of year, and experts have some tips on how to avoid being defrauded.

One of the biggest holiday-season scams involves gift cards, where someone has scratched off the back to reveal the code, often replacing it with a small sticker. Once you buy it, they drain the card almost instantly.

Strat Maloma, associate state director for AARP California, advised people to buy gift cards online, or at least to pay attention to where they are sold in the store.

"Try to buy gift cards that are behind the counter," Maloma recommended. "Avoid the ones that anybody who walks into the store can pick up."

Another common scam involves fake charities, or groups spending up to 90% of their donation on so-called "administrative costs."

You can research groups you are considering on websites such as Give.org, charitywatch.org or charitynavigator.org. There are also great tips on AARP's FraudWatch Network site, and you can get tips or file a complaint on the Federal Trade Commission's website.

Maloma also pointed out for online shopping, you must go directly to the seller's website. Do not click on a link in a marketing email, text or social-media post.

"You enter it several times find it is not taking you to the link," Maloma outlined. "What the scammer is doing, they're getting your personal information with allows them to shop in your name or take over your account. "

In addition, experts warn against the legion of porch pirates who roam neighborhoods looking for packages to steal. FBI data showed last year during the holidays, consumers filed 17,000 complaints about undelivered packages worth $53 million.

Three projects in Idaho have been selected to receive grants from the AARP Community Challenge. Among them is the Anne Frank Human Rights Memorial in Boise.

Dan Prinzing, executive director of the Wassmuth Center for Human Rights, which oversees the memorial, said they received a grant of more than $21,000 to install a permanent sound system.

"The Community Challenge grant enables us to really finalize a dream that we've had for a number of years, and that's how to amplify the sound within the memorial," Prinzing explained. "We're literally amplifying the message of the memorial."

The memorial is the only Anne Frank memorial in the United States, and is one of the few places in the world displaying the full text of the Universal Declaration of Human Rights. It is also recognized as an international site of conscience. Prinzing pointed out about 120,000 people visit the memorial each year.

Prinzing hopes the memorial site can have the sound system installed by August 16, which will be its 20th anniversary. He added many people often come to the site to stand in solidarity with each other.

"The memorial is often used for community vigils when something happens nationally," Prinzing noted. "The memorial represents a place where we can come together."

AARP is funding 260 projects across the country through a total of $3.4 million dollars in grants. They selected projects to make cities more livable for people of all ages. The efforts must be completed by Nov. 30.

The other projects in Idaho include a remote locker system for the Emmett Public Library and an electric cargo bike, which will carry games and other items around Boise this summer.

A new tool aims to help older adults in Arkansas and beyond who receive Medicare track what happens at their doctor appointments. It also can help spot and prevent Medicare fraud.

My Health Care Tracker is provided by Senior Medicare Patrol and instructs recipients on how to compare the health care services, tests and medical equipment items they receive to what was billed on their Medicare statements.

Seth Boffeli, adviser for the AARP Fraud Watch Network, said Medicare fraud can be committed against both the government and against seniors enrolled in the programs. He advised the best way to stay safe from scams is to be your own detective.

"The way a lot of Medicare waste, fraud and abuse is caught is that people are careful," Boffeli observed. "They get that statement, they go through it, and they say, 'Hey wait. I didn't get this drug, or I didn't get this treatment.' And they're able to flag that."

As of late 2021, there were nearly 652,000 residents enrolled in Medicare in Arkansas, which is more than 21% of the state's population.

Arkansans can request My Health Care Tracker, in Spanish or English, by contacting the Arkansas Senior Medicare Patrol at 866-726-2916.

Boffeli explained catching fraud early is crucial because not only does it save people money, it could have ramifications for access to future care. He added there are small things Medicare recipients can do to prevent scams.

"It's just really important that when you're giving out your Medicare information, or you're agreeing to a test or a device that Medicare is going to pay for, that you're doing that in consultation with your doctor," Boffeli recommended.

AARP's Fraud Watch Network offers tip sheets on more than 70 kinds of scams affecting older adults. My Health Care Tracker also gives information about State Health Insurance Assistance Programs, which provide local insurance counseling and assistance to Medicare-eligible individuals, their families and caregivers.

This Friday, Iowa's new elder abuse law goes into effect. Those who pushed for its passage hope victims are aware of the added protections and will speak up about their situation, and supporters said the law covers a lot of gaps in state statute dealing with elder abuse.

The changes include a new crime addressing financial exploitation of an older individual, and there are enhanced penalties for assault as well as theft, when a person is targeted because of their age.

Anthony Carroll, advocacy manager for AARP Iowa, said such crimes often go unreported. Not only do they want to prevent incidents, they also want to inspire action.

"If you live in a community, you're concerned that someone that may be abused or isolated," Carroll explained. "Really making sure that you're being that good neighbor and coming forward. "

Carroll pointed out the law strikes a good balance in establishing accountability, while still allowing older adults to seek services from financial institutions and donate to trusted fundraisers. In addition to law enforcement, Iowa's six Area Agencies on Aging offer guidance, and AARP Iowa put more details of the new law on its website.

Laura Kriegermeier, elder rights coordinator for Heritage Area Agency on Aging in eastern Iowa, said they often receive calls from people concerned about abuse. She added seniors being taken advantage of by a loved one often worry about getting them in trouble. She hopes the new law convinces them authorities need to step in.

"Just like it's wrong for someone to abuse a child or to take advantage of a child," Kriegermeier emphasized. "There's consequences ... people go to jail."

Kriegermeier added in past situations, victims were often limited to seeking justice in civil court but lacked the resources to see the process through. She pointed out the new law provides tools for others to push these cases forward, if the person feels comfortable filing a report.

"The potential for this, with it being criminal, there could be a lot more justice," Kriegermeier predicted.