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Deception is a ghastly game, Yet, played by many all the same. Our hearts were blind to their intent. Our trust in others now is spent. We have all heard different versions of how a well-educated, respectable member of the community was somehow duped into sending large quantities of money to a complete stranger. Sometimes the person in the story has even lost their entire life savings. The scammer convinces their victim that they are in love and uses these emotions to bilk money from the unsuspecting person—oftentimes a lonely senior. This is all brilliantly orchestrated, like a maestro conducting a symphony. People often wonder how someone could be so foolish as to get involved with a stranger and send them money. Although almost any age group can be lured into this game of deceit, the number one target of sweetheart scams is usually men and women over age 40; the older the better.

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You can set up a file, deposit everything in a desk or bureau drawer, or list the information after that location of papers in a jotter. If your papers are in a bank safe deposit box, keep copies in a file at home. Assessment each year to see if there's anything new to add. Tell a trusted family member or friend anywhere you put all your important papers.

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