How to Protect Yourself from Phishing (pronounced: fishing) Scams

By Bryan Bardwell, Oxford’s Security and Privacy Officer

Don’t get hooked by crooks! Our latest blog post outlines several ways to avoid online scams.

Even in the relative safety of our homes, the world can be a dangerous place. Scammers will attempt to trick you and steal your personal information through various means, such as deceptive phone calls, going through your trash, or with fake emails, just to name a few.

In the digital age, one of the most dubious online scams is known a “Phishing”. Thieves send an email to target victims, often to thousands of people at a time. On the surface, the email appears to be a legitimate contact attempt, but is really a fraudulent message. When links within the e-mail are clicked or an attachment is opened, it triggers computer scripts that automatically download a virus or malware onto your computer. These viruses can capture personal information, such as your User ID and Password logins, bank details, Social Security numbers and credit card account information.

Phishing is a huge threat to homes and businesses because of the vast amount of important information most users store on their computer(s). They may have different messages, but ALL Phishing scams will have some sort of urgency involved in the message, such as: If you do not confirm your User ID and Password by 4pm, we will be forced to lock you out of your computer.

How To Avoid Phishing Scams 

  1. Scan your e-mails carefully and look for grammar mistakes and other inconsistencies.
  2. Verify the email sender’s address to confirm it was sent from a legitimate source. Most phishing scams will try to fool you with similar email addresses, but the email domain name (e.g. Bob@xyzbank.com) should match the web address of a real company.
  3. In addition, secure websites that require a login will all begin with https:// – That “s” indicates the site is Secure. (For example, Gmail’s email server is https://mail.google.com/mail).  Always look for https:// if you’re asked to enter a User ID and Password to access a website.  Legitimate secure sites will include all banks, credit card companies, and other email providers (such as Outlook, Yahoo, and Hotmail), as well as shopping websites like Amazon, Target, Walmart, EBay etc.
  4. Email fraud can be the easiest of all thefts – by simply adding Click Here somewhere in the email text, many victims are enticed to click on the link, and are then directed to a website that is not legitimate. The fake website may have similar graphics or logos to a real company, and will ask for your User ID, Password or to verify personal details. If you comply, it could compromise your computer. But there is an easy way to see through this type of click-through scam: To view the web address behind a “Click Here” link, hover over the link with your mouse without clicking it. A small window will pop up with a URL, such as https://www.xyzbank.com, as shown below.
  5. If you suspect that an email is a phishing attempt, play it safe – DO NOT open any attachments or click any links.

Hover your pointer over a link to see the destination website address.

What to Look For

Here is an example of a Phishing email:

Example of a Phishing email

What are the RED flags in this Phishing email?

  • Look for inconsistencies in the From: – is it a legitimate email address?
  • Check for an attachment. It will appear under the Subject: DO NOT open if you are unsure of who is sending you this information. Be very careful of .zip file attachments in any email.
  • Hover over Click Here to see the website where the link will take you. If you see a number or “http:” instead of “https:”, DO NOT click links or go to the site.
  • Note that there is no personal sender information (name, address, phone, email) signature in the email.

Failure to notice these telltale signs could result in “Phishers” gaining access to your private account information or other personal data.

Other Resources

To help combat Identity Theft, the Internal Revenue Service offers “Seven Steps for Making Identity Protection Part of Your Routine”.

  1. Review your credit card and baking statements carefully and often. Neither your credit card, bank or the IRS will send you emails asking for sensitive personal and financial information, such as asking you for updates to your account.
  2. Review and respond to all notices and correspondence from the Internal Revenue Service.
  3. Review each of your three credit reports at least once a year. Visit annualcreditreport.com to get your free reports.
  4. Review your annual Social Security income statement for excessive income reported. You can sign up for an electronic account at SSA.gov
  5. Shred any documents with personal and financial information.
  6. Review your health insurance statements; look for claims you never filed or care you never received.
  7. If you receive any routine federal deposits such as Social Security of VA benefits, you probably receive those electronically. You can use the same direct deposit for your federal and state tax refund which is safe and secure.

Step Out Walk to Stop Diabetes

stepoutwalklogo

By Meagan Ennis, RN, Oxford’s Diabetes and Neurology Coordinator

Some things you might not know about Diabetes:

  • According to the American Diabetes Association, 29.1 million Americans have diabetes, and 21 million of those people are undiagnosed.
  • Another 86 million people have pre-diabetes, with only 11% of that population having been told they have this disease.
  • Every year another 1.4 million Americans are diagnosed.
  • Diabetes is the 7th leading cause of death in the United States, and it can lead to many complications, including blindness, kidney disease, amputation of limbs, stroke and heart attack.
  • Diabetes costs Americans $245 billion annually. Direct medical costs account for $176 billion, and another $69 billion is lost through decreased productivity.

On Saturday October 1, 2016, the American Diabetes Association chapter located in Springfield, Missouri will be hosting Step Out: Walk to Stop Diabetes. This is the 25th year for this walk for the ADA. Its mission is to provide vital information, resources, and opportunities for those diagnosed with Type 1, Type 2, Gestational, or pre-diabetes.

Whether you are battling this disease, have a loved one who is fighting or know anyone dealing with Diabetes, we at Oxford HealthCare encourage you to come join the fun.

Help make this the year we STOP Diabetes!!!

For more information please visit www.diabetes.org or call 1-800-DIABETES (800-342-2383).

Don’t Get Scammed by Home Repair Schemes

By Pam Gennings, Executive Director Special Projects*

Just like migrating birds arrive as the weather warms, so do the scammers. Home repair con artists are out in force this time of year—“flocking” to your neighborhood. These scammers are looking to make a quick buck; and unfortunately, older adults are most vulnerable.

 

According to the National Consumer League, the most common types of home repair scams are:

  • Duct cleaning
  • Driveway sealant
  • Leaky foundations
  • Landscaping
  • Furnace and roof repair

Don’t be a victim—know the signs!

  1. A contractor shows up uninvited, or will call or email out of the blue.
  2. The contractor tells you he/she is in the neighborhood and has “extra material” left over.
  3. The person pressures you to make a decision today because the “special offer” is for today only.
  4. The contractor points out a “problem” or offers a “free” inspection. Some scammers have been known to break something on purpose so they can be paid to “fix” the problem.
  5. The person demands full payment up front and usually wants cash.
  6. The individual has no identification or permits from the county or city.
  7. You are offered a discount so your home may be used as a “model”.
  8. The contractor wants to show you the “damage”, while an associate steals valuables from your home.

 

Tips to avoid being scammed by home repair con artists:

  1. Don’t allow yourself to be pressured. You have the right to say NO!
  2. Get several estimates on any home repair job.
  3. Check references including checking with the Better Business Bureau.
  4. Never pay in full up front, especially if paying by cash.
  5. It is very important that the contractor is insured and bonded—ask to see proof.
  6. Make sure everything is put in writing. Carefully read all the contracts and be sure you fully understand the scope of the work to be done, cost and time necessary to complete the job. Have in writing how payment will be handled. Make sure you understand the contract cancellation and refund terms.
  7. Ask for advice from a trusted friend or family member, especially if you are feeling pressured or have questions and concerns.

If you suspect you have been the victim of a scam, don’t be afraid or embarrassed to tell someone you trust. You can turn to the police, go to your bank if money has been taken from your account or seek help from adult protective services. In Missouri the adult protective service toll free number is 1-800-392-0210. To find the adult protective service contact information in other states, call the Eldercare Locator, a government sponsored resource line, at 1-800-677-1116 or at www.eldercare.gov.

 

Excerpts from National Council on Aging and National Consumer League

 

*Pam Gennings has a Bachelor’s of Arts and has worked in the field of Geriatric Social Work and Care Coordination for more than 30 years. She started working for Oxford HealthCare in 1993. During the course of her career she has helped thousands of people find resources to remain in their homes as well as provided guidance to families that were facing difficulties with their aging loved ones.

 

MAY IS NATIONAL STROKE AWARENESS MONTH

By Pam Gennings, Executive Director Special Projects*

Every 40 seconds someone in the United States has a stroke. A stroke occurs when a blockage stops the flow of blood to the brain or when a blood vessel in or around the brain bursts. Strokes are the leading cause of long-term disability in the U.S. and according to the CDC (Centers for Disease Control and Prevention) it is the fourth leading cause of death. A stroke can strike people of all ages, in fact the CDC reports that nearly a quarter of all strokes occur in people younger than 65.
Strokes are largely PREVENTABLE.
• According to the American Stroke Association, one in three Americans has high blood pressure, which is the number one controllable risk factor for stroke. It is important to keep your blood pressure under control.
• Cigarette smoking contributes to one in every five strokes in the country. Exposure to second hand smoke can also contribute to a higher stroke risk.
• Exercise regularly. To help lower or control blood pressure, get 40 minutes of moderate to vigorous physical activity three to four times a week.
• Prevent or control diabetes.
• Get your cholesterol checked regularly and manage it with diet/physical activity or medication if needed.
• Eat a healthy diet. Watch your sodium intake.
• Limit your alcohol intake.
• Ask your doctor if taking aspirin is right for you.
Strokes are TREATABLE, but every second counts. The sooner a patient receives medical treatment, the lower the risk of death or disability.

As an easy way to remember the sudden signs of stroke, the American Stroke Association wants everyone to learn F.A.S.T. When you spot the signs you will know to call 9-1-1 immediately.

F = Face Drooping – Does one side of the face droop or is it numb? Ask the person to smile. Is the person’s smile uneven?
A = Arm Weakness – Is one arm weak or numb? Ask the person to raise both arms. Does one arm drift downwards?
S = Speech Difficulty – Is speech slurred? Is the person unable to speak or hard to understand? Ask the person to repeat a simple sentence, like “The sky is blue.” Is the sentence repeated correctly?
T= Time to call 9-1-1 – If someone shows any of these symptoms, even if the symptoms go away, call 9-1-1 and get the person to the hospital immediately. Check the time so you will know when the first symptoms appeared.

Beyond F.A.S.T., other warning signs include:
• Sudden numbness or weakness of face, arm, or leg.
• Sudden confusion
• Sudden trouble seeing in one or both eyes
• Sudden trouble walking, dizziness, loss of balance or coordination
• Sudden severe headaches with no known cause

Remember getting immediate medical attention for stroke is crucial to prevent disability and death.
For more information go to www.strokeassociation.org

*Pam Gennings has a Bachelor’s of Arts and has worked in the field of Geriatric Social Work and Care Coordination for more than 30 years. She started working for Oxford HealthCare in 1993. During the course of her career she has helped thousands of people find resources to remain in their homes as well as provided guidance to families that were facing difficulties with their aging loved ones.

Your Heart Needs TLC Year-Round

By Pam Gennings, Executive Director Special Projects*

February is a time to celebrate Valentine’s Day, love and American Heart Month. However, focusing on your heart and providing it some TLC is something to do year-round.

According to the Centers for Disease Control, cardiovascular disease (CVD)—including heart disease, stroke and high blood pressure—is the number one killer of women and men in the United States. CVD is a leading cause of disability and heart disease is a major threat to senior health. The American Heart Association reports that approximately 83.6 million adults have at least one type of CVD. For those 60-79 years old, 70.2% of men and 70.9% of women have CVD.

While one in four deaths is due to heart disease, many CVD deaths could have been prevented through healthier habits and managing risk factors like:

  • Diet
  • Physical activity
  • Tobacco use
  • Obesity
  • High blood pressure
  • High blood cholesterol
  • Diabetes

Steps toward a healthy heart are a journey that requires lifestyle changes, determination and patience. Things that can help include:

  • Staying encouraged – every healthy choice makes a difference.
  • Asking for help—get friends and family involved; heart health is for everyone.
  • Rewarding yourself—decrease stress by discovering fun and new things to do.

Little changes add up; as Ben Franklin said, “An ounce of prevention is worth a pound of cure.”

Steps to Heart Disease Prevention

  • Get a regular check up from a health care professional. Know your numbers!
    High blood pressure often has no symptoms; so check it on a regular basis.
  • Know your family history—if heart disease runs in your family, be proactive about heart health.
  • Take your medicine.
  • Eat a healthy diet, including: plenty of fresh fruits and vegetables; nuts like walnuts and almonds; and, limit saturated fats and foods containing cholesterol.
  • Maintain a healthy weight.
  • Exercise regularly— Mayo Clinic recommends at least 30 minutes of physical activity every day.
  • QUIT smoking.
  • Limit alcohol use.
  • Minimize stress in your life.

Find more Heart Health information at: http://www.everydayhealth.com/conditions/heart-health OR http://www.heart.org

 

*Pam Gennings has a Bachelor’s of Arts and has worked in the field of Geriatric Social Work and Care Coordination for more than 30 years. She started working for Oxford HealthCare in 1993. During the course of her career she has helped thousands of people find resources to remain in their homes as well as provided guidance to families that were facing difficulties with their aging loved ones.

 

 

WHEN WINTER WEATHER STRIKES – ARE YOU PREPARED?

By Pam Gennings, Executive Director Special Projects*

When winter temperatures drop significantly below normal, exposure to the cold—whether indoors or outside—can cause serious or life-threatening health problems. Infants and the elderly are most at risk, but anyone can be affected.

Be safe and be prepared for hazards associated with extremely cold weather.

Winter Weather Prep Tips:

Have a winter survival kit in your home that consists of:

  • Food that needs no cooking or refrigeration such as bread, crackers, cereal, canned foods and dried fruits. If you have young children, don’t forget baby food and formula.
  • Water stored in clean containers or bottled water. The Centers for Disease Control (CDC) recommends 5 gallons per person on hand in case pipes freeze or rupture.
  • Medicines that any family member may need.

Remember, if your home is isolated, stock up on additional food, water and medicine.

Have an emergency supply list. Some handy and essential items to include:

  • an alternate way to heat your home during a power failure
  • blankets
  • matches
  • fire extinguisher
  • flashlight or battery-powered lantern and extra batteries
  • battery-powered radio and clock/watch
  • non-electric can opener
  • snow shovel
  • rock salt
  • special need items (diapers, hearing aid batteries, medications etc.)

Your ability to feel a change of temperature decreases with age, and older people are susceptible to health problems caused by cold. If you are 65 years of age or older, check the temperature of your home often during winter months. If a warm, indoor temperature cannot be maintained, make temporary arrangements to stay elsewhere.
Infants less than one year old should never sleep in a cold room. Provide warm clothing for infants and try to maintain a warm indoor temperature. If a warm indoor temperature cannot be maintained, make temporary arrangements to stay elsewhere.

If you are using a fireplace, wood stove or kerosene heater, always install a smoke detector and a battery-operated carbon monoxide detector near the area to be heated. Heat your home safely!

Conserve heat. Keep as much heat as possible in your home. Close off unneeded rooms, stuff towels/rags in cracks under doors, close drapes, cover windows with any extra blankets at night.
Dress warmly and stay dry. Do not ignore shivering—it is an important first sign that the body is losing heat. Persistent shivering is a sign to return indoors.
Avoid exertion. Cold weather puts an extra strain on the heart. If you have to work outside, dress warmly and work slowly.
Eat and drink wisely. Eating well-balanced meals will help you stay warmer. Do not drink alcohol or caffeinated beverages—they cause your body to lose heat more rapidly.
Listen to weather forecasts regularly. Weather forecasters often give several days’ notice when impending cold weather is approaching. Check your emergency supplies when periods of extreme cold are predicted.

GET PREPARED! DON’T BE LEFT OUT IN THE COLD!

Excerpts from the CDC Extreme Cold Prevention Guide

*Pam Gennings has a Bachelor’s of Arts and has worked in the field of Geriatric Social Work and Care Coordination for more than 30 years. She started working for Oxford HealthCare in 1993. During the course of her career she has helped thousands of people find resources to remain in their homes as well as provided guidance to families that were facing difficulties with their aging loved ones.