The Nigerian Prince wants to meet your mother.

As my sister and I try to unravel the details and records of my mother’s nearly 90 years, we both have concluded that she would have been an easy mark for scammers and frauds if she didn’t have two lawyer offspring reviewing her decisions. The number of elderly, mentally-failing Americans who lose their life’s savings to these predators is a national tragedy. They are particularly prominent on the internet. I was very frustrated with my mother’s resistance to e-mail and the Web…now I’m not sure it wasn’t too dangerous for her to navigate.

The F.B.I. has an excellent and informative web page that should be shown, read to, and explained to every senior in your life. From the introduction:

“Senior citizens are most likely to have a “nest egg,” to own their home, and/or to have excellent credit—all of which make them attractive to con artists...People who grew up in the 1930s, 1940s, and 1950s were generally raised to be polite and trusting. Con artists exploit these traits, knowing that it is difficult or impossible for these individuals to say “no” or just hang up the telephone. Older Americans are less likely to report a fraud because they don’t know who to report it to, are too ashamed at having been scammed, or don’t know they have been scammed. Elderly victims may not report crimes, for example, because they are concerned that relatives may think the victims no longer have the mental capacity to take care of their own financial affairs.”

The site goes on to describe how various scams work and how to spot them; indeed, you don’t need to be a senior to be vulnerable. The list is daunting: Continue reading →