ClickBank University Review- How To Make Money Online?


Making money online is not easy but it is not as difficult if you were to start offline business.  The biggest problem with making online has been not a central place to learn about systematic ways to conduct the business.  To accomplish this objective, ClickBank University (CBU) is a needed training source.  After all, ClickBank is a leading source for being affiliates for digital products.

ClickBank University 2.0 is an upgraded edition of a series of online course which aim at helping both vendors and affiliate marketers to utilize ClickBank and make money online.  The focus of ClickBank University is to teach people how to create their own digital products.  The knowledge you gain from the CBU will also enable you to market other products.

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CBU 2.0 has two main parts to their training- 8-week course to teach to how to promote other people's product on ClickBank as an affiliate; and 12-week course to teach how to develop and promote your own product on ClickBank.

The training here is quite extensive and informative. They cover a wide range of topics that include:

  • Brainstorming and researching on what niche to go into and what product to create
  • How to create a customer avatar
  • How to create a digital product
  • How to create a landing page/squeeze page
  • How to create a sales funnel
  • How to drive traffic to your landing page
  • How to get affiliates to promote your product
  • How to scale up your ClickBank business, etc…
  • Apart from the 2 core training modules covered above, there is still even more to CBU.

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The value doesn't end with the above training. 

Bi-Weekly Expert Classes – Once every 2 weeks an expert will come in and show you that the training does work. These experts have applied what they learned and our now experiencing success.

Special Curated Add-On Trainings – These trainings are very targeted and help you focus on a specific aspect of the training to truly master it. Topics covered will be video marketing or how to leverage the power of Facebook advertising, etc.

ClickBank Toolkit – This really comprises a bunch of handy tools to help you run your ClickBank business effectively – whether you're a publisher or affiliate – with things like PDFs, videos, starter guides, shortcuts and tech providers.

The Traffic Center – This is all about learning how to generate massive amounts of traffic, clicks and sales. Without traffic you have no business, because you have no visitors to your product or promotion. Traffic is everything in this game, so ClickBank's Traffic Center is an invaluable resource.

Live Events – Special events and seminars, nominal fee charged, as additional great sources of knowledge.

Exclusive ClickBank Community – Being able to freely interact with a community of like-minded people is one of the most valuable business assets you could ever have. As a CBU member you gain access to this exclusive community, where you can inspire and help each other on the path to success. You also get access to the ClickBank University 2.0 private Facebook group.

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CBU also offers special service ClickBank Builder 2.0 (CBB) to help you to create professional websites, landing pages and offer pages.  It is a ‘drag-and-drop' tool with various templates to help you craft beautiful pages. Though this is optional, it may be good idea to get if you are new in the online business.  It will give you platform to start earning immediately.

Advantages of CBU

  • Created by ClickBank for ClickBank
  • ClickBank is a reputable platform for online marketers. There are thousands of people making full time or even six, seven figure incomes from it.  The program originators, Adam and Justin have been very successful with ClickBank and thus they are working directly with CB to deliver this CBU. They really know what they are talking about.
  • Money-Back Guarantee- This is another great point for CBU. Although they don't offer a free trial, you can still get a refund within 30 days if you find this program is not for you.

Disadvantages of CBU

  • ClickBank Builder 2.0 For Only CB Products
  • CBB is good to have if you are a beginner but It's expensive compared to other similar tools in the market
  • You must host your website at ClickBank
  • The training also focuses on using this tool
  • Not upfront about requiring this tool
  • Training is Locked- You're not allowed to go through all the training videos once you join. They only allow, you to watch few and they'll unlock each one for you after some time.  However, you can email them to unlock.

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Summary: ClickBank University 2.0 has a solid course with useful tools to help people create their own digital products, market it on ClickBank and make money. They also have a set of course to guide people in affiliate marketing.

How To Make Money With Webinars?


Webinars can be awesome because sales of product are lot easier. Furthermore, you do not have to have your own product.

The combination of webinar with the affiliate product of your choice is all you need.

There is no secret to using webinars to promote any affiliate product. It works very similar to how you would use a blog post to promote a product. The only difference is for a blog you have viewers to your blog site whereas you have get audience attracted to your webinars.

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Here are the steps to hold webinars:

  • Identify a product you would like to promote to your audience as an affiliate.
  • Create a presentation related to that product. The presentation should be helpful and useful.
  • Set up a landing page to invite people onto your webinar.
  • Drive traffic to the webinar.
  • Deliver the webinar. Record it as you do it.
  • Edit your recorded webinar professionally. Make newly recorded webinar available to drive additional sales even after the live event is over. You could generate extra profit by replaying the webinar on autopilot.

Webinars Partnership You Can Bank On!

What you have done is that you have converted your webinar as your product through which you promote your affiliate product. In addition, as you promote your webinars, you are building list and your traffic. If you can put few of webinars together, you will have money generating system put together.

It gets even better, because now you will be able to promote many proven professional webinars. You can partner with the various professional presenters. The proven webinars that you are able access are:

  • Think and Grow Rich
  • Women Entrepreneurs
  • Health and Wellness
  • Marketing, Startups and Business Opportunities

You can check out professional webinar presentation opportunity here.

Webinars Partnership You Can Bank On!

Secret to Great Opportunities Is From People You Haven’t Met Yet

Have you checked out your social circle? Surely, you are likely to say you have huge network. But when you check out that is a narrow social circle with similar people. Your circle is likely to be of same ethnicity, similar likes and dislikes, etc.. In all probability, they resemble you in some manner.

Tanya Menon, Organizational psychologist, questions about people’s circles and encourages them to widen their social universes at her TED talk. Tanya Menon considers how you can be more intentional about expanding your social universes — and how it can lead to new ideas and opportunities.

You Can Be Part of Top Four Percent

If you think about it, check back and see special moments in your life (other than special family events), you will realize that those came from people you met for the first time or places where you have never been to. Those were your new connections.

Tanya Menon states that these weak ties — or new connections — are “your ticket to a whole new social world”. She encourages people to break their social habits by making life a little more inefficient and straying from their daily routines. She suggests visiting new social hubs including coffee shops.

You Can Be Part of Top Four Percent

Have you wondered how did you get your job? Most likely you found the job through weak ties- from people you just met recently. According to sociologist Mark Granovetter, most people don’t secure job opportunities through strong ties — think mother, father, significant other.

It is interesting phenomenon in today’s changing world. As more people seek to be on their own rather than depend on a company for their livelihood, networking is essential. It entails on reaching out to the people who may not be in your “circle”. To network effectively, you will need to affirm yourself with positive statements regularly. That can only happen if you have confidence in yourself about who you are. You will be surprised how positive you can be when you liberate from conventional way. You will realize your uniqueness as you reach out.

You Can Be Part of Top Four Percent

Simply put, you are already aware of the universe within, reach out to the universe beyond.

Why Americanism Is The Only “Ism” Needed For Greatness of America?


The Americanism is defined in the context of America not based on where people came from, nor what their gender or religion is, nor what their color is.  Americanism is also about recognizing right of every citizen is protected as defined in the Constitution. Americanism is also something else. Call it an ideology, a philosophy, a view of the world; at heart it is about the American republic, its empire, and supremacy in the world.

The last thing America needs is anti-Americans attitude within the country manipulated by media, pundits, politicians and special interest advocates. It is high time American people see America as their country and it's about time we as Americans figure out how not to succumb to unwanted divisive forces.

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Make America Great Again (MAGA) movement caught on because country has been methodically hijacked by divisions by people with special interests.  Americanism needs to be emphasized.  Americanism is not about emphasizing of being White but about everyone who is willing to keep America great through each one's exceptionalism within.

Americanism means attaining in greatness by mixing best values from all cultures.  Americanism is about blending of values so that mixture is set of best values to blend as part of Americanism.

It is America's tolerance that has led to a number of special groups to create divisions in the country. Since our childhood, we have been trained to see things ‘relatively'. Someone else's failure is seen as an essential condition of our success. The special interest folks do not propagate what is good in America but how America has been bad.  No longer is the pride in America emphasized.  Even media goes at length giving elaborate coverage to those who protest and make mockery of America.

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There is absolutely nothing wrong in propagating one's religious or ethnic ideals. After all connection with one's own roots is what keeps us true to ourselves. But when such propagation despises the American ways, it goes against the true spirit of ‘Americanism'.

The “Americanism” is not intended as a ‘Nationalist' concept but recognizing, and ultimately accepting, that ultimately we are all Americans first.  It does not matter which religion we belong to.  It doesn't matter where we immigrated from.  We are Americans and the country's interest comes first.

Be Financially Independent

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Reverse Diabetes Today- Review


Follow the money and you will know why things are the way they are.

That is the truth even around people’s health. It seems that “money” (as usual) has blinded doctors and medical practitioners to the degree that they are now willingly suppressing the truth regarding diabetes – its control and even its cure!

It appears there is debate whether one can say you are “cured” if something treats or helps offset some health conditions or disease.

Ever wonder why no one ever talks about “curing diabetes”? Everyone seems to be content with finding ways to “control diabetes” or “live with diabetes”. And for good reason. There is no money to make I people are cured.

Check out Reverse Diabetes Today.

Instead, keeping you sick and marginally pain-free is the goal of the medical system. In doing so you are being compelled to buy all the same drugs repeatedly, and again! But if a cure came along it would mean you buy it one time and you can’t be targeted for more money. Have you heard the expression in the medical circles, “Cures Kill Profits”?

Let us be straight about it. Do you really want to depend on some big drug company to keep you alive and healthy? It is not matter of conspiracy. But keeping you healthy is not financially lucrative to the drug industry.

Simply put, it is in your interest to take control of your health and find a way to manage diabetes. In fairness, there are number of doctors, medical scientists and researchers armed with “real answers” and “real solutions” are stepping up and are tackling the drug industry.

Check out Reverse Diabetes Today.

Matt Traverso has helped individuals beat the disease to the point that proven sufferers have gotten re-diagnoses as “no longer having the disease at all!”

But you will not hear this information from the American Diabetes Association? The truth is, the American Diabetes Association are benefiting hugely from the current trend in diabetes. They are funded by pharmaceutical companies who would lose out if people reversed the diabetic conditions they are experiencing.

The treatment of Diabetes brings in over $10 Million Dollars EVERY SINGLE HOUR of the day to Doctors, Pharmaceutical companies, and testing supply businesses. With that kind of money at stake Big Pharma is going to extreme lengths to silence information about natural cures and alternatives for treating diabetes.

Check out Reverse Diabetes Today.

But if you are victim of diabetes or at pre-diabetes stage, your concern is focused on how you can get better. Of course, it is wise to consult your physician. At the same time, you may want to check out what other options you may have tackling the diabetes. Check out what Matt Travesrso’s Reverse Diabetes Today.

Just be aware that Big Pharma may not want you to know about the options outlined by Matt Traveso. Don’t be surprised if one day soon you return to find this site completely removed with a US Flag waving in its place.

Check out Reverse Diabetes Today.

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Vital Credit Card Review- Earn Endless Cash Rewards


You know that many credit cards offer great perks such as reward points, discounts and/or cash.

So, what is different about recently launched Vital Card you ask?

The newly launched Vital card is expected impact the credit industry in a major way. The Vital credit card, Visa backed, earns you cash back. But the cash back is for getting other members to sign up.

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Vital Card, based in New York City, is a new concept envisioned by Chris Bridges, Chairman, and Vincent Bradley, CEO. The team members of the company have worked with Google, Charles Schwab, and other major companies. The mission of the company is to offer a credit card with a community-based rewards system.

How Does VITAL Credit Card Work?

VITAL is a credit card that offers referral-based cash rewards. For each person you get to sign up, you’ll earn VITAL points that determine your VITAL score. It gets even better because you will also get cash rewards when your referrals get additional users to sign up. Furthermore, you’ll get 1% cash back on all your purchases.

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There is no cost to sign up for the card. When you sign up, you will get access to the VITAL potential earnings calculator.

Eligibility Requirements

The VITAL card requirements are:

  • You must be 18 years of age or older. Residents of Nebraska and Alabama must be 19 or older.
  • You must be a permanent resident of the United States.
  • You must have a physical address in the US.
  • You must pass a credit check.

The Vital card has few additional undisclosed qualifications to meet underwriting criteria. It is to be noted that signing up for early access is just the first step. You’ll need to fill out a full application during the late 2018 launch. In the meantime, you can start referring others and building your VITAL score.

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Some may wonder what happens if you are denied the Vital card. Believe it or there is clarification provided by the company. Even though every single application is not approved, if you are eligible for most entry level credit cards, you are very likely to be approved. In the event you are not accepted, VITAL Card will let you transfer your VITAL Score to someone else with good credit. You can choose any friend or family member for this.

Once you get your own Vita card, you need to spend a minimum of $250 each month to be eligible to get cash rewards from your referrals. This can be achieved easily by using VITAL card for your basic monthly purchases – groceries, fuel, and so on. Then you need to pay it off each month to keep your credit in good shape.

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How Will You Get Paid?

The money that is paid out comes from the VITAL cash rewards pool. Each month, 1% of user spending is added into the VITAL cash rewards pool. Your payment is dependent on your Vital score. Your VITAL score based on the number of VITAL points you earn. You earn points by referring friends and family to sign up for VITAL. Here’s a layout of the points system. I’ve used a small scenario to make it easier to understand.

  • Direct Sign-Ups: You earn 4 points per person you get to sign up.
  • Second Tier Sign-Ups: You earn 2 points per person when your direct referrals get others to sign up.
  • Third Tier Sign-Ups: You earn 1 point per person when your indirect referrals get others to sign up.

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To sum it up, your points are based on a basic three tier referral system. There’s no limit to the number of friends and family you can refer. This essentially means you have endless chances to keep growing your VITAL score. Simply put, the higher your score, the higher your monthly cash rewards will be.

There is no definite number that can be predicted how much any one can earn. VITAL adds up the total scores of every user at the end of each month. How much cash you’ll receive depends on two factors. It depends on your individual VITAL score and the overall size of the cash rewards pool.

However, Vital card provide a very detailed scenario. You can also access a VITAL potential earnings calculator once you sign up. It is recommended that you try out the calculator before you sign up.

Tax-FREE Earnings

The earnings to you will be distributed from out of the rebate pool, thus it is likely that your earnings may be tax-free.  Check out the company statement.  It is also recommended that you consult your accountant or tax representative.

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In short, major points are divided into pros and cons list to keep things simple:

Pros

  • There’s no annual fee.
  • You’ll earn 1% cash back on all of your purchases.
  • The referral-based system is unlimited; you can refer and earn permanently.
  • Earn cash rewards when your referrals get new users to sign up.
  • You can build your credit score with responsible use.
  • Your referrals only must spend $1 per month for you to keep earning.

Cons

  • To keep earning rewards, you need to spend $250 per month or more.
  • It’s possible that your application will be denied after prelaunch.
  • The amount of cash you earn each month will fluctuate.

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Verdict: Is the VITAL Credit Card Worth It?

If you use the VITAL credit card responsibly, Vital card offers a great opportunity. You earn cash back on purchases and cash back for referrals. That means there’s a lot of potential to make extra money with very little effort.

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Payza Shutdown- Problem For Online Business


Online business may be easy and simple, but when it comes to get your earnings may not be as guaranteed. Simply because most online business entities depend on payment processors. It is imperative that you need to find out how (and if) you will get paid. Firstly, you need to check the business opportunity by checking out reviews of the business and its owners and then check out how they will pay you.

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Most online business opportunities rely on third-party payment processors to accept money as well as pay commissions. There are main players when it comes to processing credit and debit card payments, whether online, via phone sales, or even in person.

  • Online Business Entity: To accept credit and debit card payments from online customers on the processor. Once the payment is processed, the third-party processor deposits the money in the business entity’s account after transaction fees are taken out.
  • Customer: Customer pays for your goods and services via a credit or debit card. The bank that approves the customer for the card is called the issuing bank.
  • Payment Gateway- Software that links online business entity site’s shopping cart to the processing network.
  • Payment Processor- the main merchant service responsible for moving the transaction through the processing network, sending a billing statement, working with associated banks, etc.

The payment process is performed very quickly, and it may seem easier. Believe it or not, it is very intricate process. There are two stages to payment processing: the authorization (approving the sale) and the settlement (getting the money in your account).

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The authorization process goes roughly like this:

  • Your customer buys an item on your site with a credit or debit card.
  • That information goes through the payment gateway, which encrypts the data to keep it private, and sends it to the payment processor.
  • The payment processor sends a request to the customer’s issuing bank asking for the money to pay for your stuff
  • The issuer responds with a yes (an approval) or a no (a denial).
  • The payment processor sends the answer back to you that the sale was approved and tells your merchant bank to credit your account.

The most common payment processors are- PayPal, Payza, SolidTrustPay, Payoneer, or Stripe, or 2Checkout, or Google Wallet, or ClickBank. These processors charge for all transactions whether accepting payment or withdrawing payments. Often that is overlooked by most online business folks. The transaction fees can be much higher than what banks charge. This expense can’t be ignored when you are getting commissions on your online business programs.

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Recently it was announced that Payza, payment processor, is no longer available to USA residents. The US Department of Justice (DOJ) has charged Payza.com with laundering over $250 million connected to criminal ??activities ranging from Ponzi schemes to child pornography?

The charges against Payza co-founders Firoz Patel, 43, and Ferhan Patel, 37, were already filed in November 2016. The Canadian brothers stand accused of operating the cryptocurrency-friendly platform beyond the ??regulatory confines of the United States. ?
They are still in operation in other countries. However, major countries are likely follow the United States.

Without going into details, it is fair to say that Payza is in legal battle. The Payza stance is, “We are currently working on resolving this legal matter in the United States, affecting US Payza members, but cannot give any specific details at this time.  Please be aware that this is an accusation and it is NOT evidence of guilt. Right now, we are working on a solution to this and we do not want you to worry.”

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What is bottom line, you ask?

No one knows for sure. It is very possible that Payza may resolve their issues return to normal.

Be that as it may, however, your most prudent course of action at this point would be to go to the members area of all programs, products and services of which you are a member and update your subscription payment information AND your commission payment information.  Simply change to a NEW payment processor.

It is to be noted that processors having some issues with the government. Online business is practically free for all thus it relies on individual owners to pursue ethical aspects in their business. So, some use online business activities for money laundering around the world. In 2016, PayPal experienced crisis which resulted several business opportunities were forced out of business. It is believed that processors like when they are scrutinized by the government, because the charges are normally associated with business opportunity owners. Thus, processor entity gets to keep the money.

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Considering Payza crisis, be sure to work with multiple payment processors if you are the business owner. If you are an affiliate, be sure to check what processors are being used to get your commissions. There are many online opportunities related to crypto currencies promising high returns, so you may want to pursue with extreme caution.

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Webinars Earn Money Online

There are numerous ways to market online to generate revenues.  Surprisingly, you may be able to earn substantially higher with webinars than many other methods.  Furthermore, presenting webinars helps you generate opt-in leads and maintain opt-in list current.

What Is Webinar?

A webinar is a free, usually live presentation that is delivered virtually online to your viewers from all over the world.  You can either create a slide presentation, or just show yourself live on camera teaching, or even be streaming yourself doing something hands-on live!

Webinars You Can Bank On!

When you do a webinar, you're providing tons of highly valuable information for free up front. Then you give your audience a way to take they information you've just shared to the next level (with more support or more detailed instruction) by purchasing your program, course, done-for-you service, coaching, etc.

Why do webinars work, you ask.

The webinar presentation, itself, is free. Most webinars have super relevant information for free. Webinars offer a paid product at the end thus producing revenue.  If you have aroused their interest, your viewers are able to purchase your product. If your viewers are taught well and delivered a pitch that made sense, they will buy your product live.  In addition, the webinars can also be replayed at regular intervals to gain more viewership as well more revenue.

Webinars You Can Bank On!

On the webinar, you present your best, super relevant information for free for about 45 minutes. You want to pack in as much valuable free information as you can! You need to blow your audience away in that short period of time so that they feel confident in you, your expertise, and want to work with you more or buy your product.

Webinars can be biggest factor in growing your business quickly! Webinars can be a shortcut to grow your email list quickly. Interestingly, emails collected from webinars have a higher rate of conversion.

In webinar viewers can hear excitement of the product or service! With joint webinars, you'll be able to create relationships with the influencers, bloggers, and other top people in your niche. With joint venture, you are not alone but part of a team of like minded experts and viewers who understand your business and can support you.

Webinars You Can Bank On!

HOW DO WEBINARS MAKE MONEY?

Webinars make money by the offering a product at the end of the free webinar. The product that is being offered at the end of the webinar with special promotional price. Of course, not everyone will be purchasing. But you can follow up with those who didn't buy live and offer them a special limited time bonus.

Surely, if it is your own webinars you will get to keep all of the revenue. But with the team efforts, you will be given percentage of collection based on your number of invitees attending the webinar. With the joint venture webinars, the webinars are professionally prepared and most of the selling and delivering of product or service is done by the presenters.

Webinars You Can Bank On!

There are many proven webinars that yield results repeatedly. Simply because they provide valuable information at the onset. Then the presenter intensifies viewer’s desire to attain higher level of knowledge to, so they can enhance their life further. The proven webinars that you are able access are:

  • Think and Grow Rich
  • Women Entrepreneurs
  • Health and Wellness
  • Marketing, Startups and Business Opportunities

In summary, presenting successful webinars you will be a partner, not just an affiliate to share substantial revenue. Wouldn’t you want to bank on webinars?

Webinars You Can Bank On!

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Scams Against Seniors On The Rise

You can look forward to retirement days as you no longer the end of rat race is not too far. As lucrative as that may be, you need to be prepared to face scammers that are out there to take advantage of savings that you may have gathered.

Crimes against the elderly continue to skyrocket each year. Con artists are particularly fond of elderly widows. The scam is to find those who may be lonely or infirm, and slowly shower them with attention and small gifts to gain their confidence.

Ultimate Retirement Earning System

Sadly, seniors being scammed is very alarming. According to True Link research study (2015) seniors lose $36.48 billion each year to elder financial abuse.

Senior Scams You Need to Know About

Telemarketing

Telemarketing scam can include phone calls, snail mail and emails. Scammers will send out official-looking emails or letters, then stage a follow-up call to victims, asking for updated information, such as a password or account numbers.
With that information in hand, scammers will either charge seniors’ bank accounts or attempt to assume their identities.

Senior citizens could also receive phone calls from people trying to use deceptive tactics to sell them product. A “salesperson” will use complex wording and hidden fees to charge seniors an extra $20 or so.

Fake Charities

Fake charities scam entails in Retirees getting a call from someone saying they represent a charity, asking for a donation. The caller is not really raising money for any charity.

Sweepstakes

In a Sweepstakes Scam Seniors are likely to get an official-looking check in the mail. An accompanying letter may tell them they won a contest. To claim the prize, the winner will need to send back a few hundred — or thousand — dollars for processing the prize. The check could even look like an IRS tax refund. They’ll ask the victim to send back a portion of the money and let them keep the rest.

Ultimate Retirement Earning System

The scam happens two weeks later, when the check bounces and the senior become liable for all the money.

Identity Theft

Identity theft scamming is extensive form of telemarketing scheme as it involves scammer calling and asking for the last four digits of a senior’s Social Security number.

The scammer can then can match that information up to the rest of what they know about their victims, like their name, address and phone number. Scammers then use the stolen identity to open new credit cards or loans and rack up debt — and the senior will end up footing the bill.

Health Care Fraud

Health care fraud involves scammers to explore medical issues of the senior and promise to send relevant medication or supplies if the seniors provide insurance information. The scammers will then use that info to assume the victim’s identity.

Ultimate Retirement Earning System

This is a special type of fraud known as medical identity theft. Patients can end up getting billed for prescriptions or services they didn’t use, making the senior liable for medical debts incurred by the scammer.

Scammers have targeted seniors for numerous rip offs surrounding the Affordable Care Act and Medicare enrollment. Since every U.S. citizen over the age of 65 qualifies for Medicare benefits, seniors are an easy target for medical scams, because criminals don’t have to do any research around their insurance provider. Many of these scams operate via door-to-door or over-the-phone solicitations by someone claiming to be a Medicare representative.

Fake anti-aging products

No one likes to get old. That even applies to seniors as they want to cling on as much as possible. They are vulnerable to products that claim to be the perfect solution to signs of aging or other unwanted physical changes.

Ultimate Retirement Earning System

Seniors often feel the need to look younger to keep up in social circles or to fill some other void in their life. This leads them to seek out new treatments, medications and other remedies — making them vulnerable to scammers who capitalize on this demand. The scam normally starts with anti-wrinkle cream ‘Free’ trial offer.

Financial Exploitation

Financial exploitation scam takes many forms- telemarketing, home repairs, investment, money making opportunities scams.

Scammers sometimes show up at seniors’ homes, offering to provide services and then overcharging them — whether the work was done or not.

Ultimate Retirement Earning System

Scammers also get seniors to sign up for long-term securities or stocks, anticipating the victims either won’t look at or understand the fine print. Seniors can get conned into buying securities or stocks that won’t mature for another 20 years. If the senior needs the money before the securities mature, they’ll pay penalty fees that end up in the scammers’ pockets.

The Grandparent scams

This is a slick scam in which scammers call senior citizens and impersonate their adult grandchildren to hit them up for money. Here’s how a typical conversation might go:
The phone rings and the senior pick up…
Scamster: (in a low tone) Grandma?
Senior: Is that you, Jimmy?
Scamster: Yes, it’s me and I’m in trouble. I’m in jail. I need you to wire money, so I can get out.

Ultimate Retirement Earning System

The typical take on this scam is anywhere between $3,000 and $4,000. There’s even a ‘reload’ on this one. If the scamster gets money, they’ll have another person call up impersonating a police officer and ask for additional funds for their grandchild to be released. They claim there are extra charges for property damage. Once the money is taken, you’ll never see it again.

Here are some actions that can be taken to avoid becoming a victim of a scammer.

Add Phone Numbers to the Do Not Call Registry

Register the senior’s phone number with the National Do Not Call Registry.
Sales calls should stop within 31 days of a number being registered, according to the Federal Trade Commission.

Ultimate Retirement Earning System

If they still receive sales calls while on the registry, hang up and submit a complaint to the FTC. It is to be noted that this registry is it only stops sales calls. It doesn’t put limits on charitable, political or survey calls.

Do Not Give Information

The best rule to follow is to never provide information in a phone call or email that was not initiated by you. It is essential to ensure the senior knows to never give personal information or money over the phone.  This includes sending checks or a “deposit” to companies to claim a prize or accept an offer to work from home.

Check the Better Business Bureau

Before the senior acts on any offers, payments, donations or investments, check the Better Business Bureau for information on the company. Be cautious of letters and calls that look like they’re from the Social Security Administration or the IRS.

Keep Mail Safe

If a senior pays their bills via mail, don’t leave it sitting in the mailbox.
Take the payment to the post office or a freestanding postal service mailbox instead of leaving it laying around where it could potentially be stolen.  Opt for online bill statements — it’s safer and more convenient than mailing in payments every month.

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If a senior continues to receive mail that’s clearly from scammers, take it to the post office and it’ll be sent to the U.S. Postal Inspector. You could also file a mail fraud complaint online.

Remain Cautious and Ask Questions

Ask any calling salesperson for their name, business address, phone number and business license number. Verify this information before conducting any business with them, as scammers will often provide fake names and license numbers.

Don’t blindly trust people — scammers can get outrageous, even claiming they’re a “law enforcement” official trying to solve a crime that involves you, and they ask for personal information.

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Make sure seniors won’t agree to anything they don’t fully understand. Never respond to sweepstakes, prize or lottery letters and phone calls. These are all scams to get personal information.

Stay Safe Online

Only make purchases from websites known to be safe and legitimate. If the safety of the site is questionable, do some research to make sure it isn’t a scam.

Educate seniors on what spam emails look like — and be sure they don’t respond to them. Personal information should never be given out via email, especially account or credit card numbers.

What Happens If Your Loved One is Scammed?

What happens if they end up getting scammed and losing money? How do you report fraud against seniors?

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The first thing to do is file a police report. You’ll need a copy of the report when the fraud is reported to credit companies.

Close any accounts affected by the scam. Call the banks, explain what happened and file a fraud report if any transactions were charged to the account.

File a complaint with the FTC. It helps with fraud investigations by collecting complaints and sharing them with local police forces, credit companies and other government agencies.

If the scam involved credit card charges, report the fraud to the three major credit bureaus. Contacting all three may seem like a hassle, but it’s the only way to know the fraudulent activity will be quickly reflected on the account.

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Report any identity theft to the FTC’s Identity Theft website — this includes new accounts being opened in the senior’s name, charges to current accounts or even false medical services. The FTC offers comprehensive steps to take depending on how the victim was affected.

Be Aware

Most people are raised to be polite and trusting. The con artist exploits these traits, knowing that it is difficult or impossible for these individuals to say “no” or just hang up the telephone,” it continues. It is essential that the seniors are made aware of the abundance of scams out there and educate them on ways to protect themselves and their finances.

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