“A fool and his money are soon parted” is a saying often attributed to Thomas Tusser, an English poet and farmer, who first wrote a version of it in his 1573 book Five Hundreth Pointes of Good Husbandrie. If only he could have envisioned today’s internet. AI will test your ability this year to differentiate the fake from the real more than ever.

As we scour the internet for bargains, hard-to-find items, and the best possible shipping terms, charities are making their annual push for donations, including major online solicitation campaigns. Scammers of all sizes are also using all sorts of AI tools to get between you and the companies you want to buy from or donate to.

Succumbing to a scam doesn’t make you a fool; the scammers and their tools are really, really good. AI helps them create exceptionally good graphic and video deep fakes. It helps them replicate flawless logos and improve their grammar, spelling, and syntax, all of which used to be dead giveaways of a scam.

But it would be foolhardy not to raise your antennae and harden your common sense with renewed vigilance. The cardinal rule remains the same: If something looks too good to be true, something is likely wrong.

Let’s look at some things that should raise a red flag:

• Links: Whether in an email or especially on a website popup, don’t click on a link from a person or entity you don’t know or can’t verify. It’s the quickest way to allow a bad actor to plant malicious code that can compromise your data and that of anyone in your contact list.
• Emails from Businesses, Charities or People You Don’t Recognize: The sender’s name may look legitimate, but you can hover your mouse over the sender’s name and see the real email address. If you’re not sure about anything you see, you have two options:
  • Delete the email.
  • Open a new browser window and type in the name of the business or charity as you know it to be. You should be able to find a phone number to call to verify if it’s from a legitimate organization.
• Unsolicited Text Messages: This is another form of phishing known as smishing. Treat them the same as an email.

Be careful of really good prices when shopping for all products and services. Prices that are too good to be true may be outright fraudulent or carry terms and conditions that are extremely unfavorable to you. Check closely to make sure a product or even an airline ticket or hotel room is not offered by a gray-market or third-party provider. Read the terms and conditions and look for authentic user reviews. Again, if something looks funny, it should raise a red flag.

No matter what you’re looking to do online, it’s more important than ever to use two-factor authentication (2FA) for all the websites you can. While a code sent to your computer or phone is better than nothing, more advanced forms of 2FA, such as authenticator apps or biometrics, rely more on information stored on a specific device, making them more secure.

If you think you may have been hacked, call us – 973-433-6676 – as soon as you possibly can to assess the breach and take steps to close up your security holes.