SCAMS

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tention to delivery notifications and email updates, and refrain from clicking any links from addresses or phone numbers they do not recognize. UPS and FedEx will never ask for personal information via email.

• Too-Good-To-Be-True Deals: There may appear to be deals galore over the holidays, especially on social media. Make sure to read reviews and research unfamiliar retailers. Use a credit card for online payments and keep the receipt in case an issue arises. If a seller asks to be paid by Zelle, Cash App, or another similar app, be wary. Once the money is sent, it’s gone.

• Baby Formula Scam: In this recently popularized scam, women, often accompanied by a child, will approach people in grocery stores asking them to buy them baby formula, insisting they cannot afford it. Feeling sympathy, the victim purchases the baby formula, which is usually quite expensive. The scammer will then get the receipt and return the formula for cash. If they are not able to get the receipt, they sell the formula, which is in high demand.