Dating sites for seniors taxes

  • 5 Surprising Things that Are Different About Dating After 60
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  • When a Senior citizen aged( 60) is required to file his return
  • 5 Surprising Things that Are Different About Dating After 60

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    After a rough divorce the year before, she was thrilled to meet a man who shared her religion, interests, and love of children and animals. Then one day Eric called in a panic, saying his passport had been stolen.

    Candace wired him the small sum without hesitation — but when he contacted her a few weeks later saying he needed a much bigger sum to pay legal bills, she realized she was being scammed. Her whole relationship with Eric was a scheme to get money out of her. This story is fictional, but the scenario is all too real.

    More than 14, Americans fell victim to this kind of scam inup from fewer than 6, in And that number may only represent a fraction of the real total. Some catfishers use these fake identities to annoy or harass others online, or just to flirt without commitment.

    They lure their victims into an online relationship and use it to get money out of them — sometimes thousands of dollars. How Romance Scammers Operate Romance scammers work by setting up fake profiles on dating sites and social media. They usually claim to have jobs that keep them outside the country for long periods of time, such as working on an oil rig, serving in the military, or working for a nonprofit.

    Next, they seek out victims — usually people who are lonely and vulnerable — and work to build up relationships with them.

    They can spend months winning over their victims with regular conversations, long e-mails, poetry, gifts, and declarations of love — everything except face-to-face meetings. Often, they rely on pre-written scripts that tell them exactly what to say at what point in the relationship. Next, the scammers start asking for money. Once they know the victim is hooked, they pretend to go through some kind of crisis that requires a large amount of cash to fix, such as a robbery, a medical or legal problem, a frozen bank account, or a business opportunity.

    Often, they work with accomplices who pose as friends, doctors, lawyers, or other people who can back up their story. The victims are often happy to pay because they think helping out their love interest will make it easier for them to finally meet in person. Instead, the scammer continues to string the victim along with more requests for money, sometimes keeping up the fraud for years. When the victim finally wises up — or runs out of money — the scammer disappears. In a few cases, the scam continues even after the victim catches on.

    Then they use their emotional hold over the victim to lure them into helping them with their crimes — sometimes even turning them into accomplices in other scams. Profile of a Scammer Many romance scammers operate outside the United States. According to HuffPost, most of them are located in Ghana and Nigeria, but an increasing number originate in communities of West African immigrants in Canada, Malaysia, and Britain.

    To make this kind of money, romance scammers often have multiple victims on the hook at once.

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    HuffPost cites a case in which a single person was working 25 online romance scams at once, posing as both men and women. Some of the most successful scammers have extracted tens or even hundreds of thousands of dollars from a single victim.

    Profile of a Victim Romance scams can affect anyone. Barb Sluppik, who runs the watchdog site RomanceScams.

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    However, some people are more likely to be targeted than others. Most victims of romance scams are women. Residents of Developed Nations.

    When a Senior citizen aged( 60) is required to file his return

    Scammers find their victims all over the world. However, they tend to target people living in developed nations, who are more likely to have money to spare. However, in the area of relationships, they tend to be impulsive and open to persuasion from others. Examples include job loss, divorce, the death of a loved one, or a medical crisis in the family. During this experience, they lived in denial, finding ways to excuse the abusive behavior or even blocking out all memory of it.

    Thus, they were more likely to turn a blind eye to the warning signs of a romance scam, coming up with excuses for the suspicious behavior like they had done in the past.

    Victims of Previous Scams. Romance scammers also like to prey on people who have been victimized before. You might think that being scammed once would make people more cautious in the future, but often, their response is just the opposite. The University of Exeter study found that people who have fallen for one scam are consistently more likely to show interest in another. Scammers can also cause a lot of trouble for the people — usually men — whose images they steal to create their fake identities.

    Also, the image of a strong soldier protecting his country tends to appeal to women seeking love online. HuffPost reports that General John F. Campbell had his image used in more than fake profiles in the space of six months after assuming control of the U. Jones, had not only his image but his entire identity stolen by scammers. Jones now runs an entire Facebook group dedicated to exposing scammers who have used his image to defraud women.

    However, because so many of these crimes go unreported, this is probably only a fraction of the real total. These devastating financial losses are far from the only dangers romance scams pose to their victims.

    Victims of romance scams often end up abetting the scammers in other crimes. Scammers may use their victims to launder stolen money, transport drugs or stolen goods, or even help them scam others. In other cases, the victims are so emotionally dependent on the scammers that they willingly enter into a life of crime to help them. In other cases, they simply demand money from the victims in exchange for a promise to keep the photos private. Sunmola extracted money from at least two of his victims by blackmail and then posted their nude photos online anyway.

    Scammers living overseas sometimes lure their victims out of the country, where they can face all kinds of dangers. Some, like Armstrong, end up in foreign prisons, while others are kidnapped and held for ransom.

    Some even end up dead. A study in Criminology and Criminal Justice found that for most victims, the loss of a relationship they thought was genuine is more devastating than the financial loss. Many victims described the experience as traumatic, and most reported that friends and family showed little understanding or support.

    HuffPost reports that some romance scam victims have attempted or committed suicide. Becoming a Repeat Target. They then sell those lists to other criminals, exposing their victims to additional scams. However, for people who know what to look for, there are often red flags that reveal something is amiss. Here are some warning signs that your online flame could be a scammer: Scammers go out of their way to make themselves appealing to their victims.

    Their Profiles Are Scanty. Building a consistent fake identity from scratch is tricky, so many scammers keep their online profiles to a bare minimum. The few friends they have are usually accomplices in the con — people you might hear from later when your new love starts asking for money. Their English Is Limited. Because most romance scammers operate in foreign countries, their English skills are often limited.

    Romance scammers try to move the online romance forward as fast as possible. They declare their love for the victim quickly, sometimes after just one or two conversations. They Move the Conversation to Another Site. Although scammers typically meet their victims through dating sites or social media, they prefer not to pursue the relationship through these channels. Instead, they persuade their victims to communicate through e-mail or messaging apps.

    This makes it easier for them to keep their real identity hidden and also allows them to organize all their communications with their various victims. They usually claim to be living outside the country — traveling, working abroad, or stationed overseas as part of the military.

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    They Forget Important Details. Because online romance scammers often have multiple victims on the hook at once, they sometimes have trouble keeping all their stories straight. Scammers often ask their victims for intimate photos or videos, which they later use as blackmail. The biggest, brightest red flag of all is that your online lover keeps asking you for money to deal with one emergency or another.

    They have health problems, emergency travel expenses, losses from a robbery or other crime, family emergencies, and so on. Protect Yourself From Online Romance Scams None of this means that finding love online is impossible; however, it pays to be careful. How to Avoid Being Scammed Here are a few tips experts recommend to protect yourself when meeting people online: Check Out Their Story.

    When you first meet someone, do a little digging to see if they are who they claim to be. Run their name through a search engine and see what pops up. Do an Image Search. Ask lots of questions and learn as much as you can about them. Meet in Real Life. Lay out the whole situation to a family member or friend and ask whether it seems suspicious to them. Those images you thought were private could be used to blackmail you later.

    However, be aware that if the person on the other end really is a scammer using a false name, enforcing the agreement could be difficult or even impossible. Steve Jones, the New York man who had his image stolen for hundreds of fraudulent profiles, has posted a public service announcement on YouTube about how to protect yourself from this form of identity theft. Check out their profiles to see how many friends they have, and especially how many friends they have in common with you.

    Another way to protect yourself is to run periodic reverse-image searches for your own photos. Search online to find instructions for doing this on different dating and social media sites. However, there are a few things you can do to improve the odds of recovering your cash, catching the criminal, and protecting yourself in the future:
    When scammers know how to confuse and gain the trust of the elderly, they have virtual free reign of bank accounts, personal information, and even assets.

    Then, if someone approaches you or your loved one with a potential investment or opportunity, it will be easier to determine the legitimacy of the offer. Prescription Drug Scams Seniors often take a myriad of prescription medicationwhich can be quite expensive. Sure, Medicare helps with the costs, but some seniors are still left paying hundreds of dollars per month for prescriptions.

    Investment Scams Plenty of seniors are eager to multiply their nest eggs to provide for a more comfortable retirement. A Pew Research Internet use study found that many adults over the age of 74 use the Internet solely for health information, news, and buying products, and are not as savvy when it comes to email, social networking, and online safety.

    When a senior receives an email promising big returns for a small investment, it can be easy to become excited. Even if you can spot an Internet or email scam from a mile away, an unsuspecting senior might hand over his or her personal information without a second thought.

    They might also ask for bank routing and account numbers and other highly personal information, which is then used for theft. Reverse Mortgage Scams Reverse mortgages have made it possible for some seniors to have a more comfortable retirement by turning their home equity into a reliable stream of income from the bank. Even a legitimate reverse mortgagehowever, should be considered carefully, as in many cases, you must eventually turn your deed over to the bank.

    In other words, the bank — and not your heirs — could get your home when you pass away. Seniors can fall prey to a scam artist who proposes a reverse mortgage — and then steals the equity. Charity Scams Scammers posing as charity workers contact seniors and offer up a sad story which, of course, concludes with a plea for funding. Seniors are taken in by the tale, and send along money to help. This gives a senior virtually no time to investigate the supposed charity and contemplate whether they should give.

    The scammer then asks that the check be cashed, and the excess funds returned. Of course, the check is fraudulent, but if the money is returned before the seller realizes this, they have lost the funds — as well as the item they put up for sale. Help Scams This is a scam that often confuses the elderly, as it causes them to panic and act without calmly considering the situation. A scam artist calls up the unsuspecting target, and with some basic information convinces the senior that he or she is a grandchild in a dire situation.

    Then, the scammer asks for financial help because of an accident or other emergency. The scammer then has money wired directly into his or her hands. Of course, the real grandchild is perfectly fine, oblivious that his or her name has been used to execute a scam.

    Take the time to explain the possible scams to your loved ones, and suggest the following techniques to help them avoid potentially devastating thefts: If you or a loved one is generally trusting, being skeptical can be difficult. However, being generally suspicious of cold calls and unsolicited letters and emails that promise huge benefits is an effective way to stay protected.

    Ask Questions and Get Information. Just asking a few questions can be enough to scare some con artists away. Become Familiar With Online Safety. Surf only reputable websites, adjust email spam settings to the highest level, and never share personal information like Social Security numbers with anyone online — even if it seems as though your bank is requesting it. Call the bank first. Never Give Personal Information Online. An investment company or charity will never ask for a Social Security number via email.

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    If a telemarketer pressures you to make an immediate decision, hang up the phone. The Better Business Bureau is a fantastic tool for confirming the legitimacy of financial institutions, charities, and other organizations. Always check with the BBB before offering up funds. A quick Internet search might also turn up information from people who have been scammed by a similar scheme.

    The most fool-proof investments are done with the assistance of a financial advisornot a random acquaintance or someone who cold-calls your house. It takes only a few minutes to contact your bank or planner, and it could save hundreds or even thousands of dollars. Find a planner or counselor you can trust, and run all investment ideas by him or her first.

    Never provide money to gain a prize. If you think you or a loved one has been the victim of a scam, contact your local police department to file a report. Remember, if an offer seems to good to be true, it probably is.

    Have you ever been affected by any of the above schemes? How did you protect yourself or your family?

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