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.

Sam Adams Will “Buy You A Beer” If you’re vaccinated and I’ll give you $5 if you’re new to Cashapp. Here’s how

Starting April 12, Samuel Adams will “Buy You A Beer” if you’ve received the COVID vaccine. They’ll do it in the form of $7 Cashapp. You can find more details on the post from MySavings.com This will only be for a total of 10,000 people

I was slow to get on the Cashapp bandwagon. I had always used paypal and more recently Venmo. But I had to jump on with this offer. Wish I would have realized though that people got referral incentives for sigining up. I would have definitely signed up under someone.

I you want to take advantage of this Samuel Adams offer and don’t have a Cashapp yet, you can sign up using my referral link. New sign ups through my referral link will get a $5 referral bonus. So If you you sign up through my referral and get in on the Sam Adams offer you’ll get $12 free dollars in your Cashapp account!

Hey! I’ve been using Cash App to send money and spend using the Cash Card. Try it using my code and you’ll get $5. TCHNLNC https://cash.app/app/TCHNLNC

This post does contain affiliate links and referral links.

I Worked With A Personal Trainer Virtually For 2 Month Here’s What I Got Out of It

Before the spring of 2020 I had never worked with a personal trainer. It was something I had thought about but I thought it was just something for celebs and people with money. I am neither.

As some of you know I’m a bit of a sweepstakes junkie. I like to enter sweeps as one of my hobbies. I had entered a sweepstakes through Forever Fitness F2 for 2 months of personal training and nutrition coaching. I never expected to win.

You can probably guess, I did end up being one of the winners. I was both excited and nervous. I had some many questions and concerns. Things like: Am I going to have to work around the trainers schedule or will they be accommodating? What if I just can’t do it? How will virtual personal training work and why is it different than me just taking live online classes? What if I start and I just don’t like it? I’m gonna feel bad and I’m gonna feel like a quitter. What if they hand me a menu and I don’t like half the things on it? I hate mushrooms!

I wondered how to become a personal trainer, like, what all is involved?

Dwayne from Forever Fitness F2 contacted me via email (that’s how I’m most comfortable) and had me fill out my profile. Choosing foods I liked and was willing to eat and putting foods in a category I did not want to eat. Bye bye mushrooms! I was asked what days and times are better for me to work out. He got a feel for where I was at related to my fitness level. I filled out a form letting him know what equipment I had access to which, at that time was an old treadmill, a few hand weights, and one kettlebell lol

My schedule was set up that I had a half hour 1:1 personal training sessions on Monday evening (I’m an evening workout person. I hate mornings and they accommodated me). I was scheduled for 2 virtual live workout classes a week. Bootcamp on Tuesday evenings and Cardio kickboxing on Thursdays (this was my favorite class). If I had something come up I could let them know and reschedule or jump in on a different class. They were always flexible.

So what benefits did I get out of working with a personal trainer for 2 months? More than I thought actually.

#1 When I started with the trainer I had been in a weight-loss plateau for about 2 months. The trainer helped me break that plateau and I lost another 5 lbs. This was huge for me because I don’t lose a lot of weight at one time with any program.

#2 While working with the trainer I had also won a Nossk trainer. Which is a body weight suspension trainer. He noticed it in one of our training session and told me he was going to incorporate it so I can learn how to use it. It was super helpful. Turns out I was trying to do some of the exercises from the booklet wrong! But he straightened me out.

#3 For years I had been doing squats. Never once did I think I was doing them wrong. Never once did anyone teach me proper form. Thanks to my trainer, I found out I was doing squats wrong my entire life! Again he straightened me out and my knees are thankful.

#4 I don’t often lack motivation to start working out, it’s just, I tend to not push myself as much as I probably should. The trainer helped me learn that I can do more than I thought I could.

#5 I was able to ask fitness and nutrition questions that would pop up in my journey. He always answered them without making me feel stupid. I felt like if I had a concern, question, or what-if question it would be answered professionally.

So how is working with a trainer different than taking live fitness classes? Listen I’ve done live classes. If I sign up and pay for a class and don’t show up they usually just take my money and run or sometimes offer me to reschedule. If I didn’t show up I got texts lol. One time I mixed up the time for a class. I thought it started at 7 pm but it actually started at 6 pm. at 6:05 I got a text “I don’t see you in class” lol Sometimes i need someone to help me stay on track and hold me accountable.

I think most people get the idea that they have to have a personal trainer for months until they reach a goal or to get the benefit. But, I really got a lot out of the 2 months working with Dwayne. I’d recommend it to anyone thinking about it, even if it’s just a month or two like me to get on the right rack. You might even learn a few things! Being able to do my training sessions virtually was a huge convenience for me too. No worrying about finding a sitter, driving there and back, forgetting something, the usuals of going to a gym.

This post is brought to you by Diamond Bloggers. Any opinions expressed are my own.

GoodRx Gold 30 Day Free Trial

You may have seen the commercials. GoodRx Gold is a monthly membership plan that offers even more discounts on prescription drugs and healthcare services for individuals and families.

So what is GoodRx Gold? Think of it as an Amazon Prime or Sam’s Club members. It might not be for everyone but if you or your family purchase multiple generic prescriptions, you’ll probably find that it saves you a lot more money with the savings far exceeding your membership fee.

So how much is membership? It’s only $5.99/mo for individuals or $9.99/mo for families. You can include up to 6 people on your membership including pets. So if you have pets that take generic prescriptions, you can save on that too!

Still not sure if GoodRX Gold is for you? That’s ok, they’re offering a free 30 day trial for new members only. GoodRX gold is accepted at thousands of pharmacies including CVS, Costco, Krogers, Albertsons, and many more.

You can use GoodRX Gold whether you have insurance or not. If you’re looking for something to help with the cost of your generic prescription costs, why not try it for the 30 day?

This post does contain affiliate links. I will earn a commission for anyone that stays on after the 30 day free trial.

I’m Trying the Most Recommended Hemp CBD

It turns out I’ve become somewhat of a CBD oil connoisseur, self proclaimed. I’ve tried so many different brands of CBD oil. Some of them were really good, some of them were, meh. I’ve tried flavor and unflavored tinctures, CBD rubs/ointments, and sprays.

I take CBD to help with my anxiety, ulcerative colitis symptoms, and IBS. This is not medical advice, I just feel it helps me get some relief of some of my symptoms and helps with sleep.

I was contacted by Calm by Wellness to try their CBD. My favorite way to take CBD is via tincture with a few drops under the tongue. Flavored or unflavored it really doesn’t matter to me. I received a bottle of their tincture to try in strawberry lemon-aid flavor.

Before I accepted I had to do a little research. One thing I always worry about is any amount of THC. I’m a healthcare worker and mom of 4. I have no desire to be high or fail a drug test. Calm by Wellness products are 100% THC free.

Calm by Wellness grows their own hemp which is non-GMO certified, organic, and uses USDA certified seeds. They also have the highest level of food grade certification possible with ISO9001 and CGMP certification. There’s a lot more info on the Calm by Wellness About Us page.

They also advertise about features on different sites. Perhaps the most interesting to me was the article on the American Sleep Association site that included Calm by Wellness.

I took my first dose last night and again this morning. The strawberry lemon-aid flavor (I’m not misspelling it, that’s their flavor name) is pleasant. It’s not tart or overwhelming. It’s more of a subtle hint of flavor that made it pleasant to hold under my ton for a few seconds as you should with tinctures.

I’m gonna do an update post in about a week and let you know my continued feeling on Calm by Wellness CBD tincture. Until then, I encourage you to check out their site to learn more about them and a little more about CBD in general and decide for yourself if it’s for you.

CBD Oil Tinctures from Calm by Wellness provide all-day relief with delicious natural flavors

I received the sample at no cost in order to complete a review. Any opinions expressed are my own. This post is in no way providing medical advice, simply my opinions. I encourage you to do your own research and talk with a medical professional if you have questions or concerns. This post also contains affiliate links. I will earn a commission from sales made through my links