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And while everyone is at risk, seniors can be a major target.

If you have just met someone online and they are trying to encourage a meet-up before you really know them, they may not just be overly eager.

I would suggest no less than a month of chatting online before calling them – but this should only happen when you feel totally comfortable doing so.

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It seems that you only need to pick up the newspaper or watch the news to hear about the latest financial scam and it’s something that has become an unwelcome part of modern life.