Ingredients: Chocolate, cocoa powder, cocoa butter, milk, sugar, vanilla extract, salt, saltwater, vegetable oil, soybean oil, natural and artificial colors, vitamins and nutrients, sunflower oil, cocoa fiber, fruit extracts, carrageenan, vegetable protein, wheat protein, potato starch, carrots, carrots, celery, citrus, lemon peel, lemon zest, lemongrass, parsley, nutmeg, orange peel, rosemary, sp...
It’s a common refrain among scammer-owners: It’s easy to tell if someone is trying to scam you.
And, while the risk may be small, the likelihood of you getting scammed by someone is always there.
Here’s a list of ways to be safe when dealing with a scammer.
Ask before you speak If you’ve received a phone call from someone claiming to be from a bank, it’s worth asking them who they’re calling from.
“We recommend you first check their bank’s website to make sure they are legit,” said Maryanne Calkins, a certified financial planner who runs Calkens Financial Advisors.
You’ll also want to call their office or the company that’s selling them a product.
If you do call, be sure to get a response in writing, which can help you identify the scammers, Calkans says.
Ask for proof of your identity You can also check with a financial institution to see if the caller has a credit card or bank account.
If they do, you can also ask to have your money reimbursed.
This may also help if you’ve already paid off a debt or owe money on a credit line.
Be wary of calls from strangers It’s possible to be duped into believing a scam is being perpetrated by a relative or friend of yours.
That’s why it’s important to know who’s calling you.
“If the caller is a friend or relative of yours, you should definitely not answer the phone,” Calkers says.
“You’re putting yourself at risk for fraud, and you should always be wary of strangers calling you.”
Be sure to follow up with the caller to make it clear that you are only answering a call from the company you are buying the product from.
Take action Immediately You may have been scammed, but you should not let your guard down.
“Don’t just leave the scumbag at the door,” says Calkings.
“Be proactive, call the company or the customer service representative, and ask them to take action.”