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There are a lot of scam being perpetrated not only in Malaysia but also around the world. Comparatively, this country is exposed to more scams compared to a lot of other countries, especially developed ones. The famous scam artists are the well known Nigerians. They will tell you they have treasures locked up in their country and you can have a piece of the action by depositing a small sum. That small sum can run into the hundreds of thousands. I am sure a lot of you have heard that one. The other favorite is that they have a chemical that can wash black notes to become legitimate US notes. You would have to pay a bomb for that chemical.

A lot of money is being lost everyday to scam thieves. This money could otherwise be used to help the many charity organizations in Malaysia. As it is, some charities are finding it hard to raise funds for their daily operations.

Senior citizens are a favorite target of both legitimate charities, and scam artists. Some say this is because seniors tend to be more trusting of other people, and in general, more polite to strangers. Unfortunately, these excellent qualities are often exploited.

Seniors, like many others, hesitate to call the authorities when they have been cheated because they are embarrassed. If this sounds like you, or someone you love, you are far from being alone. The Federal Trade Commission reports that people over 60 are a frequent target of telephone scams. Reporting scams can mean putting the perpetrators out of business and saving your neighbor from becoming the next victim.

Here is what one fraud attorney advises to help people of all ages avoid being victimized by fraudsters:

1. Remember, scam artists prey on your emotions, such as patriotism. Before you agree to help an individual or a charity, take the time to find out what you are getting into. If the need is legitimate, they will be willing to call back after you have had time to think.

2. Always ask questions. Find out what options are available. For example, if a caller told you that you have won something, will they confirm it in writing? Will they provide a phone number so you can call them back?

3. Do not feel you have to be courteous. If someone calls or comes to your door asking about your finances, feel free to hang up or shut the door in their faces. After all, finances are very personal.

4. If you are recently widowed, you may be target of some scam artists who are hoping that your knowledge and experience with finances is limited. Again, your finances are very personal. If there is something you do not understand, call your local senior center and ask for help from a financial counselor.

5. Keep track of our own finances at all times. It is easy to allow someone else to do it for you, but unless you are completely sure that the person can be trusted, you are playing with fire.

6. You should know that most victims of fraud report that the reason they believed the frauds was because the person seemed so nice. That is how they get in the door, especially for seniors who may be lonely and have limited contact with other people.

If a call comes in which you suspect is a scam, the police advise that you should just hang up. Then notify your police department.

If you are concerned about a senior citizen in your life being the target of a charity scam, here are some warning signs,

a. Do they get frequent calls and letters requesting donations? If so, they are probably on a list of willing donors.

b. Has the senior made a lot of donations to an obscure charity you have never heard of?

c. Is the senior experiencing trouble paying for their monthly expenses, even though they have not had a change in income to justify it?

If you suspect there has been fraud, go and lodge a police report at the nearest station.

Here are some possible scenarios of scams that target senior citizens,

1. Thieves scan obituaries looking for names of recent widows, particularly those who live alone. The caller claims to be a representative from the Welfare Department, or from a credit card company, bank, or credit bureau, seeking to help the widow settle her financial affairs. In the process, they ask or phishing for personal financial information such as account and identification numbers.

2. Scam artists can call seniors offering assistance to help them enroll in the new prescription drug benefit plan. To receive help, the senior must provide personal identification information which the callers then use to steal assets.

3. A couple can approach elderly women who are getting in their cars. They tell her that her car is leaking gas, but of course, the man can fix this very dangerous condition. Once they have her trust, they steal from her.

Elderly citizens in Malaysia should be aware of charity scams operating in various parts of the country. This should prevent their hard earned money from falling into the hands of unscrupulous individuals. They may even donate their money to deserving charitable organizations in Malaysia.

Courses For Senior Citizens

Mature adults are the fastest growing demographic segment of the population and at age sixty-five, 23% are still working for a variety of reasons ? to supplement their income or their health insurance benefits; to not have to be dependent upon relatives; or just to continue to make use of their talents and abilities by working. (1)

Private Industry Taking Notice

Privately-held corporations are taking notice. A Clearwater, Florida-based corporation, PostcardMania, started hiring more senior citizens. When the CEO's mother passed away due to cancer, Gendusa started looking for something for her father to do.

?His whole life revolved around my mother,? said Joy, ?I noticed that without something to create on, he was not as happy.? Joy hired her father, not expecting the surprising outcome.

?The staff loved him ? and he loved them. I saw him light up when he got to contribute to the overall expansion of the company.?

Not only did Joy's father, Bernie Lebowitz, get attention, but he was invaluable in working on a much needed project to identify reasons for failed sales calls so that targeted marketing messages could be tailored to those past prospects and clients to generate more revenue.

?He was so conscientious - he would work on the weekends to ensure that he got his job done and ensured it he did more than he did the week before - every week,? said Joy.

Bernie, a successful entrepreneur in the shipping industry before retirement, recommended his friend, Murray Schact, for hire to the PostcardMania employee roster as well. Schact, a former IBM executive, applied and came on board to help PostcardMania maximize their database for increased sales.

Before hiring her father, the majority of PostcardMania was a large percentage of young aspiring adults with little or no experience. That younger demographic ? willing, eager minds that could learn a trade - excelled into Gendusa's top executives, being paid well above the norm. Gendusa quickly boomed her enterprise into the fastest-growing direct mail marketing firm in the nation recognized by Inc. Magazine in 2005. But bringing experienced, well-educated, elderly employees into the mix changed the chemistry of the company ? a change that was a welcome to Joy.

?It's not that I thought that elderly employees would not be an asset,? Joy said, ?Senior citizens rarely came in to apply for jobs here.? Since the hire of Bernie and Murray, PostcardMania's Human Resources has expanded its hiring pools to more mature applicants. There is a bevy of older generation employees that work at PostcardMania now ? many on their 2nd and 3rd careers.

The prevailing thought around the country is that people want to quit working when they are done with their 25, 30, or 50 year career. ?I have found that the majority of seniors that apply (at PostcardMania) still want to be able to contribute to be useful in their lives,? said Cindy Wilson, PostcardMania's VP of Human Resources.

Murray, now a Boca Raton citizen who in his career-life at IBM created the flight software for the airline industry, had been retired for over 15 years. He now works for PostcardMania remotely from home. PostcardMania's IT division set Murray up to be able to access the company's database and continue his work from afar.

?I am so thankful to be able to work on something worthwhile and meaningful,? said Murray, ?It (PostcardMania) literally gave me my life back ? I mean that.?

Corporate Giants Also Take Heed

Corporate giants are also taking notice of the elderly as a valuable resource and enlisting senior citizens for help ? not just in volunteer activities, but in creating new careers that allows them to exercise their hard-won experience and expertise. Likewise this ?help? is giving these veterans their 2nd and 3rd careers.

Publix, the largest employee-owned supermarket chain in the United States, founded by the late George W. Jenkins in 1930 in Winter Haven, Florida, has a corporate philosophy to provide a diverse workforce and is known for its employment of senior citizens, where one of out every five Publix employees are older than 50. These ?mature associates? are a large part of the Publix workforce and make up 30,000 of their 141,000 total employees.

?Mature Associates offer valuable skills, maturity and experience,? said Shannon Patten, Publix Media and Community Relations Manager. ?They have a strong work ethic, many skills and job knowledge that they share with our younger associates.? Shannon says the corporate philosophy is such that they encourage an environment where senior citizens will want to apply.

Even Wal-Mart, despite their recent bad rap in the media, is one of the leading employers of senior citizens in the United States, employing nearly a quarter million associates - just less than 20% of Wal-Mart's workforce is at least 55 years old.

Senior citizens or ?mature associates? are becoming an integral part of the workforce and is one of the ways corporations can take responsibility for the social and economic welfare of our country.

(1) taken from www.seniorjobbank.org

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Karla Jo Helms has sinced written about articles on various topics from Modelling, Types of Cancer and Business Cards. Karla Jo Helms is the Vice President Public Relations for PostcardMania (http://www.PostcardMania.com). PostcardMania is a full service postcard direct mail marketing c. Karla Jo Helms's top article generates over 1600 views. Bookmark Karla Jo Helms to your Favourites.

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