There are so many scams out there now, especially aimed at those of us who are "seasoned citizens" --

-- that it's hard to keep track of them. It's best to view the internet as if it were a bad neighborhood at 3 AM...you have to be extremely situationally aware at all times.
There are some basic things you can do to avoid being victimized...
* If you receive a text message from someone you don't know, who is not on your contact list, do not respond to it. Do not reply back or call the number...delete it. No matter how tempting it might be to call the number and tell the sender what you think of him, remember: the sender is a criminal who already has your phone number...do not provoke or antagonize him.
* Never open any link or attachment in any text message or email unless someone you know is sending you a link you're expecting.
* Beware of "phishing" attempts, wherein a scammer will pretend to be a legitimate sender in order to get you to give him access to your computer. For example...let's say you have a credit card issued by "Mastervisa", and you get your account statements from "mastervisa.com". A scammer sends you an email from "masterviso.com" and you open it...boom, he's in.
* The IRS will never call you if there's a problem with your tax return; they communicate by first-class mail.
* If your online accounts offer "two-factor authentication", consider signing up for it. Once activated, when you log onto a particular account, it will text a numeric code to your phone which you must then enter into your computer in order to open your account. This is just about a foolproof way to protect your accounts.
* Check your bank accounts and credit cards online regularly to ensure no unauthorized charges escape your notice.
* Do not use the same password for different accounts, and make your passwords as difficult as possible. (Using an entire sentence as a password can be easy for you to remember, but almost impossible for even a sophisticated hacker to figure out.)
* It goes without saying: Do not give your credit card password or PIN to anyone.
There's a special place in Hades for people who make a living by scamming others...but don't make it easy for them.
