Retirement Planning Strategies - November 2017

to These Financi l Scams Don’t Fall Victim

Counterfeit Prescription Drugs Most commonly, counterfeit drug scams are found on the internet. Those who fall victim find themselves paying money for a drug that does not help their medical condition, and some run the risk of unknowingly purchasing unsafe substances. This scam can be hard on the wallet and the body. Telemarketing and Phone Scams Fake telemarketing calls are one of the most common types of scams. With no face-to-face interaction and no paper trail, they are incredibly hard to trace and identify. Also, once a deal has been made, the buyer’s name is then shared with similar scammers looking for targets. Examples of telemarketing fraud include the following: The pigeon drop: A con artist tells the victim that they have found a large sum of money and are willing to split it if the person makes a “good faith” payment. Fake identity ploy: The con artist gets the victim to wire or send money on the pretext that the victim’s relative is in the hospital and needs money.

Charity scams: The con artist solicits the victim for money for fake charities. This often occurs after natural disasters. If you have fallen victim to a scam, notify the police, the Better Business Bureau (bbb. org/consumer-complaints), and the Federal Trade Commission (1-877-438-4338). Also, obtain the contact information for the Adult Protective Services organization in your area by calling the Eldercare Locator national hotline at 1-800-677-1116 or visiting eldercare. gov to file a complaint. You are not alone. There are people who can help.

Financial scams often go unreported, and because they are difficult to prosecute, they’re considered a “low-risk” crime. However, they can still be devastating to those ensnared by them, leaving victims, often seniors, in a vulnerable position because of the shorter time frame to recoup financial losses. Here are some common scams and what you can do to avoid them. Medicare and Health Insurance Scams In these types of scams, perpetrators may pose as Medicare representatives to obtain personal information. Other times, they will provide bogus services at makeshift mobile clinics and then use the personal information the patients provide to bill Medicare and pocket the money. To avoid this scam, know that a legitimate Medicare employee would never ask for your personal information over phone or email since they already have it on file. If you suspect that Medicare is being charged for a service you didn’t request, call the federal government’s official Medicare hotline at 1-800-MEDICARE.

Train Your


WITH SAUSAGE BRUSSELS SPROUTS Looking for an easy, delicious Thanksgiving side dish? This gem requires only a few ingredients.

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Recipe courtesy of



• Salt and pepper

• 1½ pounds Brussels sprouts • ½ cup water

• 2 tablespoons olive oil • 3.3 ounces fresh, hot Italian sausage

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stirring just once or twice, for a couple more minutes. The

salt and pepper. Cover and cook 10 minutes or until just tender. Check them periodically and add a bit more water, if necessary. 4. When sprouts are just

1. Trim sprouts and cut in half. 2. Heat oil in a large skillet over medium heat. Add sausage and cook, stirring occasionally, 3–5 minutes. 3. Add sprouts to skillet. Add ½ cup water. Add

liquid should evaporate, and the sprouts should start to brown.

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5. Add more salt and

pepper to taste. Serve hot or warm.

about done, remove cover and raise heat to medium-high. Cook, | 3

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