Retirement Planning Strategies - August 2019

Ring, Ring — It’s a Robot

WHAT YOU CAN DO TO PROTECT YOURSELF FROM PHONE SCAMS AND ROBOCALLS

Two of the most common scams are phone scams and robocalls. These calls are incredibly annoying and can trick you out of valuable information if you’re not careful. While it might seem like these swindles are inescapable, there are some precautions you can take to avoid their traps.

calling without picking up, don’t answer. Let it go to voicemail. If it’s important, the person will leave a legitimate message and you can respond afterward. PUT UP SOME DETERRENTS. You can even go a step further and block the calls. Many phone service providers offer call-blocking options, including AT&T, Sprint, T-Mobile, and Verizon. You can sign up for this service in-store or on your service provider’s website. Each service costs about $4 per month. There are also a number of call-blocking apps available on Android and Apple devices, but if you subscribe to a blocking service through your phone provider, these apps are unnecessary. Finally, you can sign up for the Federal Trade Commission’s “Do Not Call” program (DoNotCall.gov). While the Do Not Call program can help cut back on calls, this list is largely ignored by scammers. If you’re getting a ridiculous number of robocalls every day, signing up can offer you a brief respite. Thankfully, Congress is already attempting to fix this problem by making it harder for scammers to call you. But until they are able to pass tough, effective legislation, it is up to us, as consumers to remain vigilant and do what we can to keep our personal and financial data safe and secure..

GIVE THEM THE SILENT TREATMENT. One thing you can do to avoid these fraudulent, time-wasting calls is to simply hang up. If possible, it is best to not answer at all. It’s always good to have a list of numbers you can reference, so you never have to guess who is calling. Think of it as going one step beyond caller ID. In some cases, answering and then hanging up can actually do more harm than good. Answering the phone gives the scammers confirmation that the number works and that they should try again. Once your number is confirmed as active, it often gets put on an “active number” list that can then be sold to other scammers who market these types of phone numbers. If you can’t verify who is

Train Your

BRAIN!

Roasted Corn Salsa INGREDIENTS

Inspired by Bon Appétit magazine

• 1/4 bunch cilantro leaves, sliced • Juice of 1 lime • Kosher salt, to taste

• 2 medium ears of corn, shucked • 1 jalapeño or Fresno chile, seeded and thinly sliced • 1/2 red onion, diced • 1 large tomato, cored, seeded, and finely chopped

DIRECTIONS

1. Heat a cast-iron skillet to high. Char corn, turning occasionally, for 10–14 minutes until kernels begin to blacken in spots. 2. Using a sharp knife, remove corn kernels from cobs and transfer to a large mixing bowl. 3. With a wooden spoon or potato masher, gently crush corn to release starch and juices. 4. Add jalapeño, onion, tomato, and cilantro. Mix to combine.

5. Top with lime juice and season with salt. 6. Serve alongside your favorite tortilla chips.

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