Episode 16 – Protecting Yourself from Online Fraud
Tech & Digital Literacy – Season 3
Ecclesiastes 7:12 – “For wisdom is a defence, and money is a defence: but the excellency of knowledge is, that wisdom giveth life to them that have it.”
This is JUST STRAIGHT TALK, and I’m your host, R-E SAMPLE. Today we’re dealing with a topic that affects too many people — especially seniors — and that’s **online fraud**.
Now listen, if you’re over sixty, you’re one of the main targets of online scams. These folks out here are clever, cruel, and calculated. They send emails that look real, texts that sound urgent, and messages that pull at your emotions. All of it designed to trick you into giving up your money, your identity, or your peace of mind.
But as the scripture says in Ecclesiastes 7:12, “Wisdom is a defence.” That means if we walk in knowledge, we can walk in safety. Let’s get wise together.
Jehovah God, help us sharpen our minds and calm our hearts. Give us discernment in this digital age, so that we may protect what you have given us. Let no scheme succeed against your people. May we walk with eyes wide open and trust fully in you. In Jesus’ name, Amen.
What Is Online Fraud?
Online fraud is any dishonest scheme meant to take your money or information through a digital platform — like emails, text messages, social media, or even fake websites.
It may come in the form of:
– A message saying your account has been compromised.
– An email from a fake “bank” asking you to verify your information.
– A pop-up on your screen saying you’ve won a prize or need to call tech support.
– A text message that says your package is delayed and asks you to click a link.
These scams are carefully designed to look legitimate. They’ll use official logos, proper grammar, and even your real name. That’s why it’s important to stay alert — not afraid, just alert.
How to Spot and Avoid Online Fraud
Let’s talk about practical ways to protect yourself.
**Verify Before You Trust**
– If you get a call, text, or email asking for information — STOP!
– Call the real company yourself using the number on your statement or card.
**Watch for Urgency**
– Scammers love to pressure you. “Act now or lose your account!” Don’t fall for it.
– Real institutions don’t pressure you to move fast or secretly.
**Don’t Click Suspicious Links**
– Hover over a link to see where it leads before clicking.
– Better yet, go directly to the website yourself by typing the address.
**Use Strong Passwords**
– Avoid using names, birthdays, or easy combinations like “1234.”
– Mix letters, numbers, and symbols. Write it down and store it safely.
**Enable Two-Factor Authentication**
– Many services offer this feature. It adds a second layer of protection.
– Even if someone steals your password, they still can’t log in without a special code sent to your phone.
**Keep Software Updated**
– Updates fix security holes. Always update your phone, computer, and apps when prompted.
**Install Trusted Antivirus Software**
– This helps block known threats and alerts you to dangerous websites or downloads.
Real-Life Examples
Let me give you a few examples of real scams targeting seniors:
– **Fake Tech Support:** You get a pop-up that says, “Your computer has a virus. Call Microsoft now.” You call, and someone asks for remote access to your device. Once they get in, they steal your information.
– **Romance Scam:** Someone starts messaging you online, saying sweet things. After weeks of building trust, they ask for money. Be cautious — love doesn’t come with a price tag.
– **Social Security Scam:** A call comes in claiming your Social Security number is suspended. They demand payment to fix it. That’s not how the government operates.
– **Phishing Email:** You get an email from what looks like your bank. It says you need to confirm your password. But the link goes to a fake site.
Using Wisdom and Faith Together
Let’s talk spiritually for a moment. The Bible tells us that both wisdom and money are a defence. That means it’s not just about protecting our finances — it’s also about guarding our peace, our mind, and our walk with God.
When scammers succeed, they don’t just take money — they steal confidence. They bring confusion and shame. But Jehovah gives us wisdom. And when we walk in His light, darkness can’t trick us so easily.
Pray before you respond to anything online. Ask God for discernment. Ask Him to guide your decisions — even the little ones. That small check in your spirit? Don’t ignore it. That’s God working.
To anyone listening who’s been scammed before — you’re not foolish. You’re not alone. You’re human. These scammers are professionals. They study human behavior. But now you’re learning too.
If something feels off, it probably is. Trust that feeling. Slow down. Ask questions. Get a second opinion.
It’s okay to ask your children, your neighbor, or even a store clerk, “Does this look right to you?” It’s better to pause than to regret.
Remember: anyone who mocks you for asking questions isn’t someone you need in your circle. Protect your peace, your wisdom, and your digital space.
Jehovah, thank you for your word that gives us strength and your wisdom that protects us. Help us guard what we’ve earned, guard what we love, and guard what we believe. May we never fall victim to the lies and schemes of this world. And if we’ve stumbled before, help us get up, get smart, and grow stronger. In Jesus’ name, Amen.
I’m R-E SAMPLE, and this has been JUST STRAIGHT TALK. Be watchful. Be wise. Don’t give away what you’ve worked hard for — not to anyone, and certainly not to a scam. I’ll see you next time.
Remember– Truth Don’t Change. JUST STRAIGHT TALK