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星期三, 12月 14, 2016

全新AARP防範詐騙手冊介紹常見行騙手法及自我保護方式

New AARP Fraud Prevention Handbook
Outlines Common Scams and How to Protect Yourself
全新AARP防範詐騙手冊介紹常見行騙手法及自我保護方式
Download the free AARP Fraud Prevention Handbook in English and Chinese at aarp.org/aapi.
下載免費AARP 防範詐騙手冊英文中文版本,請瀏覽網站:aarp.org/aapi


WASHINGTON, D.C., December 14, 2016 – Approximately 15 million people are victims of identity theft every year. AARP’s new free Fraud Prevention Handbook outlines how to protect yourself from common types of fraud. It uncovers the strategies that scammers use and provides resources to help you defend yourself against their tricks.

“Con artists often target immigrant communities because they are particularly vulnerable, but knowing how they work can help you spot and avoid scams,” said Daphne Kwok, AARP Vice President of Multicultural Leadership, Asian American and Pacific Islander Audience Strategy. “AARP launched the Fraud Watch Network to provide people with information about what makes them vulnerable and the tools they need to outsmart con artists before they strike.”

Common scams include:
  • An immigration scammer might place an advertisement in the newspaper or online offering to provide legal advice, help with paperwork, or other tasks involved in the immigration process. The scammer usually asks for an upfront fee, takes the money, and disappears immediately.
  • Some scammers might use a natural disaster or current event to appeal to their target’s emotions. Setting up a fake charity, they solicit generous contributions using standard methods to collect “donations.”
  • Blessing scams appeal to people’s superstitious beliefs. They first appeared in China and have seen a rise in the United States in recent years. Posing as a fortune-teller, the scammer will say that he or she can sense a curse on the target or a member of the target’s family.
  • Most telemarketing scams involve offering targets highly attractive deals like vacations, trial offers, loans, or subscriptions that end up having hidden fees. A scammer may pose as a charming salesperson, making small talk and claiming to work for a reputable company.

A few steps to protect yourself against scams and identity theft include:
  • Never give personal information, credit card numbers, or Social Security number to telemarketers who call you on the phone. If they pressure you, they could likely be a scammer.
  • Double-check references for door-to-door sales, home repair offers and other products. Verify that businesses and others who contact you are who they claim to be before you provide any personal information. If you think the request for information is legitimate, contact the company at a number you know is valid to verify the request.
  • Check out a charity before donating to make sure they are legitimate at charitywatch.org or charitynavigator.org.
  • Don’t carry your Social Security card in your wallet, and limit the number of credit cards you carry.

To download the free AARP Fraud Prevention Handbook in English and Chinese, visit aarp.org/aapi.


【華盛頓哥倫比亞特區2016年12月14日訊】每年大約有1500萬人是身份盜竊的受害者,為了杜絕各種騙案,AARP特別推出免費的全新⎡防範詐騙手冊⎦(Fraud Prevention Handbook),向民眾介紹常見的詐騙手法和自我保護方式。 此手冊揭露騙徒慣用的技倆,並提供相關資源以幫助你保護自己避免墮入他們的圈套。

“騙徒常常瞄準最為弱勢的移民社區,但只要知道他們如何行騙,便可以幫助你明辨真偽和避免受到詐騙,”AARP多元文化引領亞太裔受眾副總裁Daphne Kwok(郭為婉)說“AARP 推出監控詐騙網絡(Fraud Watch Network),就是要向人們解釋為何他們容易受到欺騙,以及向他們提供所需要的工具,在騙徒伸出魔掌前便讓他們碰釘,知難而退。” 

常見詐騙手法包括:
  • 移民騙子會在報紙或網上刊登廣告,聲稱可以提供法律諮詢、幫助處理文件、或者協助移民過程中涉及的其他事務。這些騙子通常要求受害者先付一筆費用,但拿錢後便立即消失。
  • 也有騙徒利用天災或者一個特別時事以牽動目標受害人的情緒。例如設立一個假的慈善機構,然後按照一般的方法向慷慨的民眾收集「捐款」。
  • 「祈福黨」則是利用人們迷信的觀念行騙。他們最初在中國出現,但近年來美國的同類騙案也上升。騙徒扮作為算命師,並告訴目標受害人本身或者家中有親人被詛咒。
  • 電話詐騙大多數涉及極為吸引的好處,例如假期旅遊、試用優惠、貸款或訂閱服務等,但當中含有隱藏費用。騙子可能裝成為一個能言善道的銷售人員,並自稱在一家信譽良好的公司工作,然後透過輕聲細語令人失去防備。

保護自己免受欺詐和身份盜用的幾個步驟包括:
  • 切勿將個人信息、信用卡號碼或社會安全號碼告知來電的電話推銷員。 如果他們向你施壓,他們很可能就是騙子。
  • 仔細檢查上門銷售、家居維修服務和其他產品的參考資料。在你提供任何個人信息之前,驗證這些企業和與您聯繫的人實屬他們所聲稱的機構。如果你想知道對方向你索取個人信息是否正當,可以先致電一個你肯定正確的電話號碼向該公司驗證。
  • 向一個慈善機構捐贈之前,先通過網站charitywatch.org或 charitynavigator.org 了解它們是否合法。
  • 不要將社會安全卡放在你的錢包中,並限制所攜帶的信用卡數量。

下載免費的AARP 防範詐騙手冊英文中文版本,請瀏覽網站:aarp.org/aapi


Former investigator Audrey Moy shares with AARP simple tips and guidance to help others protect themselves against fraud, identity theft and scams. (Watch the video in EnglishMandarin 普通話 or Cantonese 廣東話版.)

舊金山地檢處前偵查員Audrey Moy(梅綺蘭)向AARP介紹一些簡單的提示和指導,以幫助民眾保護自己免受欺詐、身份盜竊和其他各類騙局。觀看視頻:英語、普通話廣東話版