COVID-19 Scams Targeting the Elderly

There are always scam artists but they always seems to come out in force when people are most vulnerable. There’s always increased scams around the holidays. Recently COVID-19 has created a new angle for these scam artists.

C&N is partnering with the American Bankers Association Foundation’s
Safe Banking for Seniors campaign in a nationwide effort to help older customers and their
financial caregivers understand the current scams and how to protect themselves and their
loved ones. Throughout the month of May, which is Older Americans Month, C&N will share
articles and tips to help eliminate the almost $2.9 billion that older Americans lose each year to
fraud.

Times of crisis leave the elderly more vulnerable to scams and coronavirus scams are
becoming more ingenious every day. Here are a few of the current scams targeting older
Americans.

 Phishing and supply scams. Scammers impersonate health organizations and
businesses to gather personal and financial information or sell fake test kits, supplies,
vaccines or cures for COVID-19.
 Stimulus check or economic relief scams. The government is preparing to ease the
economic impact of the virus by sending money by check or direct deposit. However, the
government will NOT ask for a fee to receive the funds, nor will they ask for your
personal or account information.
 Charity scams. Fraudsters seek donations for illegitimate or non-existent organizations.
 Delivery of malware. Often through “virus-tracking apps” or sensationalized news reports.
Charity Frantz
570-724-0225
charityf@cnbankpa.com

 Provider scams. Scammers impersonate doctors and hospital staff, claim to have treated
a relative or friend of the intended victim for COVID-19 and demand payment for
treatment.
 Bank/FDIC scams. Scammers impersonate FDIC or bank employees and falsely claim
that banks are limiting access to deposits or that there are security issues with bank
deposits.
 Investment scams often styled as “research reports.” Fraudsters claim that products or
services of publicly traded companies can prevent, detect or cure COVID-19.

10 Tips for Seniors

  1. Watch out for phishing scams. Phishing scams use fraudulent emails, texts, phone calls and
    websites to trick users into disclosing private account or login information. Do not click on links
    or open any attachments or pop-up screens from sources you are not familiar with, and NEVER
    give your password, account number or PIN to anyone.
  2. Ignore offers for a COVID-19 vaccine, cure or treatment. Any medical breakthrough will not
    be first reported through unsolicited emails or online ads.
  3. Rely on official sources for the most up-to-date information on COVID-19. Visit the websites
    from the Centers for Disease Control and Prevention and your state’s health department to keep
    track of the latest developments.
  4. Remember that the safest place for your money is in the bank. It’s physically secure and it’s
    federally insured. When you deposit your money at a bank, you get the comfort of knowing that
    your funds are secure and insured by the government. You don’t have the same level of
    protection when your money is outside the banking system.
  5. Do some research before making a donation. Be wary of any business, charity or individual
    requesting COVID-19-related payments or donations in cash, by wire transfer, gift card or
    through the mail.
  6. Keep your computers and mobile devices up to date. Using the latest security software, web
    browser and operating system is the best defense against viruses, malware and other online
    threats. Turn on automatic updates so you receive the newest fixes as they become available.
  7. Recognize and avoid bogus website links. Cyber criminals embed malicious links to download
    malware onto devices or route users to bogus websites. Hover over suspicious links to view the
    actual URL where you will be routed. Fraudulent links are often disguised by simple changes in
    the URL. For example: www.ABC-Bank.com vs ABC_Bank.com.
  8. Change your security settings to enable multi-factor authentication for accounts that support
    it. Multi-factor authentication—or MFA—is a second step to verify who you are, such as a text
    with a code.
  9. Before you make any investments, remember the high potential for fraud right now. You
    should be wary of any company claiming the ability to prevent, detect or cure coronavirus. For
    information on how to avoid investment fraud, visit the website of the Securities and Exchange
    Commission.
  10. Help others by reporting coronavirus scams. Visit the FBI’s Internet Crime Complaint Center
    at ic3.gov to report suspected or confirmed scams. You can also stay up-to-date on the latest
    scams by visiting the FTC’s coronavirus page at ftc.gov/coronavirus.

Remember
Never give your Social Security number, account numbers or other personal financial
information over the phone unless you initiated the call.

As your local community bank, C&N is always here to help you and protect you and your loved
ones. If you have any questions or concerns, please do not hesitate to contact us.

About C&N: C&N is an independent community bank providing complete banking, financial, investment and
insurance services through 30 full-service offices located throughout Bradford, Bucks, Cameron, Chester, Lycoming,
McKean, Potter, Sullivan and Tioga, counties in Pennsylvania and Steuben County in NY. C&N also operates two
loan production offices in Elmira, NY and York, PA, which offer commercial, residential and consumer lending
services. C&N can be found on the worldwide web at www.cnbankpa.com. The Company’s stock is listed on
NASDAQ Capital Market Securities under the symbol CZNC.

Star-Studded Virtual Gala for Covenant House May 17, 8 PM EST

**This post contains affiliate links and I will be compensated if you make a purchase after clicking on my links.For more information about FTC disclosure requirements, please see here. 

We all know that homelessness is an issue in our country. A section of homeless are homeless youth. That’s where Covenant House steps in with street outreach programs, meeting immediate needs, mentorship, resources, medical care, and more.

There will be a star-studded virtual gala event May 17 at 8 pm EST featuring Ryan Reynolds, Vanessa Williams, Jon Bon Jovi, Jewel and more. This event is FREE! Celebs are hoping to raise awareness for this great cause. You can RSVP to this virtual event now

FREE Star-studded Virtual Event! Join an all-star lineup of artists and powerhouse youth advocates from Broadway, TV, film and more to support Covenant Houses mission to protect young people facing homelessness.

I think this is a great cause I’d love to support. It’s awesome seeing all these celebs come together to help homeless youth in our country.

Who are you excited about seeing. I just found this add with Morgan Freeman on it. I feel like he really can’t make any event bad lol

Will you be watching? Do you already donate to Covenant house? I want to know!

Please consider sharing this post to raise awareness for this cause. Last year over 1 million people tuned in!

Teach My Toddler Giveaway

This information is brought to you by Teach My Learning Kits. All opinions are my own. #homeschool #remotelearning #distancedlearning

  If you are looking for a fun way to teach your toddler – you need to check out the Teach My Toddler Kit! I really love that it has everything you need to have fun and teach your toddler!

  • 68 pieces to teach your toddler the alphabet, numbers, shapes, and colors
  • Kit includes 4 board books, 4 posters, 7 puzzles, and 55 flashcards
  • It promotes literacy, numeracy, spatial reasoning, hand-eye coordination, and fine motor skills
  • Step by Step Teaching Guide To Ensure Successful Learning and Development Bond.
  • Teach. Play. 20 Minutes A Day!

  You will look forward to spending this time with your toddler while you play and learn together! Another thing you will really LOVE about these kits are they 100% screen-free!! Our kids are too connected and you will love having non-tech products available to help them learn and have fun!   

Teach My Toddler would be a fun Valentine’s Day gift. It’s a gift that will help them learn and lets you spend more time with them! 

This fun kit helps your toddler feel like they are part of the new remote learning time. And you will enjoy having a way to connect with your toddler during this crazy time!   

About Teach My Toddler:

Teach My Toddler is the multi-award-winning all-in-one learning kit for toddlers 18 months+. Requiring no screens, the kit has everything to give your toddler a head start and teach the basics. Teach My Toddler is divided into four sections; The Alphabet, Numbers, Shapes, and Colors. The teaching tools are fully coordinated to encourage repetition and interaction. Teach My Toddler is designed around the concept of matching, which is a key pre-reading skill!

  Check out all the Teach My Kits they have available.   

Easy to use educational materials have become popular during the pandemic with parents and grandparents. With parents’ worries of their kids falling behind or missed educational opportunities, parents want easy to understand and engaging educational products.

Giveaway Details:

  • Open to US Residents
  • Ends February 14, 2021, 11:59 pm EST
  • Prize: Teach My Toddler Kit

Blogger is not responsible for fulfilling the prize. This is organized by SavingYouDinero.com and sponsored by TeachMy Products.          

If You Experience Cold Winters, You Probably Keep These Things In Your Car

I have two fairly new drivers in my family. My oldest son has been driving for about a year and a half. My middle son just got his license in June. Living in Pennsylvania, our winters can get pretty bad. Snow, ice, occasional blizzards, occasional subzero temps. Not only do I worry about them hitting a patch of ice but I also worry about them breaking down or getting stuck when it’s 10 degrees outside.

While at the grocery store I pick up a jug of kitty litter. I bring it home and tell my oldest son to put it in the trunk of his car. He looks at me funny. Then I realize he probably doesn’t understand the purpose. I also realize that for people that might not live in a colder climate, they might not do the odd things we do when prepping for winter. Whether you’re on your way to work at car dealership in Yonkers, NY, taking a drive in Duluth Minnesota, or going to the grocery store in the Laurel Highland of Pennsylvania, here are things people in colder climates keep in their vehicles and why.

Kitty Litter or Bags of Sand

Seriously, a lot of us that live in areas that get frigid winters keep either a bag of non-clumping kitty litter or bags of sand in the trunk of our vehicles. For those with only front or rear wheel drive it helps to weigh down the vehicle a little bit for traction. But mostly it’s used for when your vehicle get stuck in some snow or wheels are spinning on an icy patch. Pour some sand or some kitty litter in front and behind each tire. This helps to gain traction.

Emergency Shovel

Most of us have small shovels to throw in the trunk or back of our vehicle. A small metal one is best. If you look up emergency shovels you’ll see what they look like. This can be used to serve several different purposes. It’s not unheard of to park your car at work, have snow dump down while you’re working, and come out to your vehicle buried in snow. Having an emergency shovel makes life a little easier to dig your car out. A good metal shovel can also be useful when freezing rain happens to break up ice around tires or pry things out of the ice.

Blocks of Wood or Wooden Boards

I don’t personally do this but I know people that do. Some people keep blocks of wood or shorter wooden boards in their vehicle or truck. This one I didn’t really know about until recently. The blocks can be placed in front of the tire if stuck in a ditch, mud, or a snow drift. Wedge in front of the tire. Hopefully it lift your vehicle up enough to get out of where you’re stuck.

Emergency Blankets

My husband had actual emergency blankets from a survival kit in his vehicle. Some people just throw an extra fleece blanket or two in their car. The idea, if your car breaks down, it might be a while until help arrives in bad winter weather. You can’t keep your car running forever. If you’re low on gas this statement is very true. Emergency blankets could mean the different being ok until help gets their or going straight to the emergency room once help arrives do to hypothermia or frostbite.

Bottles of Water and Energy Food

Ok so maybe this one isn’t so different but it hits different when it’s 20 degrees outside and you’re broke down in the middle of nowhere. Foods that store for a while and might be considered energy food are helpful. Things like protein bars, nuts, or granola bars. Again if you’re gonna be there a while you grab your emergency blanket and have water and food for at least a little while.

Yes it’s true the water bottle can freeze but it will typically start to melt while driving hopefully having melted enough by the time a car breaks down. It’s also helpful if your car is overheating.

Vehicle De-Icer and/or Winter Washer Fluid

Vehicle De-Icer comes in handy a lot. De-icing windows, frozen locks, windshield wipers froze to the windshield, etc. They typically come in convenient spray cans or squirt bottles to make de-icing easier.

There is also special winter windshield washer fluid that can help melt snow and ice while cleaning your windshield. Some people will fill their washer reserve with the winter wash fluid and keep a container of vehicle de-icer but the washer fluid can also help de-ice locks in a pinch.

Closing Tips

Whether you live in a cold climate or not, have a car emergency kit is always a good idea. Most include things like emergency triangles, jumper cables, a couple basic tools, roadside flares, flashlight, etc. Some more elaborate ones will even have the emergency shovel I mentioned and air compressors. It’s a good idea to keep your phone charged and even carry a back-up battery or power bank with you in bad weather. Have the name of your mechanic or roadside service handy just in case. Always let someone know where you’re going and approximate time of return so if you do break down or get stuck there’s a better chance someone will know where you are to get you help.

These are just a few things I know people do to prep for winter driving emergencies. If you have idea I’d love to hear them!

This post is sponsored by Central Ave DCJR . This post also contains some affiliate links. I will earn a small commission from sales made through my posts.

Enter To Win $40K Towards Yours or Your Child’s Education

If you follow me on social media you’ll know that one of my favorite hobbies is entering sweepstakes. I don’t win too often and rarely ever the big prizes. But I go by the saying “You can’t win if you don’t enter”. It’s statistics right? If you enter so many your bound to win a few here and there.

This one I could not pass up. My oldest son is a freshman in college. Just started college about a month ago. While he was lucky to get a scholarship that covers some and a couple small loans, the rest we’re paying out of pocket. It would be so nice to to win this and just pay off his education.

Scootchy app is offering an amazing sweepstakes. Scootchy College Savings and Debt Repayment Sweepstakes. The winner gets $40,000 that can be used towards yours or your child’s education. That is amazing! I know I’m not the only one who would be interested in this so here is the link so enter for yourself. This could be a big help for one lucky winner, especially in these times.

Scootchy College Savings and Debt Repayment Sweepstakes

The sweepstakes is open until October 27, 2020. Open to legal residents of the USA excluding Florida and New York. No purchase or payment necessary. Purchase will not increase odds of winning. See sweepstakes rules on their page for more info.

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