Since the onset of Covid-19, many establishments have become credit card-only and no longer take cash. With this change, getting a cash allowance for doing chores or mowing the lawn is slowly becoming a thing of the past. However, it is still possible for parents to reward their children and teach financial literacy with debit cards specifically made for children. Greenlight advertises itself as a tool to help empower parents to raise financially-smart children, if you are interested in a tool to help empower you to raise digitally-smart children, check out our GKIS Screen Safety Toolkit.
What is Greenlight?
Greenlight is a debit card and money app for families that is managed by parents or legal guardians.[1] Parents are able to load money onto their child’s card and manage where, when, and how much their child spends.[1] Greenlight was first founded in 2014 and is worth 2.3 billion dollars.[2] CEO Tim Sheehan says that through Greenlight, he is teaching children financial literacy worldwide through the tools provided in his application.[2]
According to CNET, Greenlight is one of the most popular debit card apps for kids and the best choice for kids’ debit cards out of five similar cards.[3] Greenlight accumulated 10,000 users within its first five months of operation and has more than four million accounts today.[4] The Greenlight website mentions that three out of four teens do not feel knowledgeable about their personal finance, and that they were created with the mission of changing that.[5]
Features of Greenlight Debit Cards
One of the reasons Greenlight is the most popular choice among competitors is that there are a number of features that their competitors do not have.
Greenlight has three different plans that parents can choose from, each at a different monthly rate. The least expensive plan provides debit cards for up to five children and offers an educational app, core financial tools, parental controls, a one percent savings reward, fun money skill games, credit for parents, and a “lite” version of investing for parents.[6] The next plan has investing for parents, investing for kids, a two percent saving reward, one percent cash back, greenlight black card, priority customer support, and three-times protection (identity theft, purchase, and phone protection).[6] The final plan has all the aforementioned benefits plus a five percent savings reward, family location sharing, SOS alerts, and crash detection.[6]
Greenlight provides an app for both parents and kids. It is one app but allows for two different experiences.[7] Parents are able to turn cards on or off from the app, get real-time spending notifications, instantly transfer money, and control where their kids spend their money.[7] Kids using the app are able to “Level Up”, a game that teaches kids financial literacy and allows them to learn skills from budgeting to investing.[8] The games provided are full of minigames, videos, and questions that allow for learning to occur.[8]
Benefits
Financial literacy is the ability to comprehend and use various financial skills like budgeting and investing.[9] By creating strong financial literacy skills early in life, children can learn valuable life skills that will benefit them in the future. These skills include knowing how to save for retirement, purchase a home, select insurance, create budgets, invest, buy a car, save for big expenses, use credit cards, and reduce unnecessary expenses.[10]
Financial literacy empowers children and equips them with the knowledge needed to navigate unique financial situations they will undoubtedly encounter in the future. According to a national survey, of 1203 college undergraduate participants, 46.1% of respondents have credit card debt with 27% exceeding $2000.[11] More than 79% of respondents also did not know that a credit score measures your risk to banks and can have a negative impact on future financial endeavors.[11] Through financial literacy, your children can avoid these mistakes and understand how to properly manage their funds which will allow them to avoid getting into debt at a young age.
Risks & How to Mitigate Them
As with any online financial transaction, there are always risks to placing your money in the hands of a virtual bank. However, according to the Greenlight website their debit cards are federally insured for up to $250,000 and come with Mastercard’s Zero Liability Protection.[12]
Allowing your child financial freedom can be worrisome for some parents who are unsure where their child may be spending their savings. Luckily, the parental controls in the app also allow parents to know where their child is spending their money and what they are spending it on. Communicating with your child beforehand about where they can use their money helps to avoid being caught off guard if their card gets declined for a certain purchase. We can help facilitate this healthy conversation with your child through our GKIS Connected Family Screen Agreement.
The CDC recently released its Youth Risk Behavior Survey reporting that an alarmingly high percentage of American teens, particularly girls and LGBQ+ youth, are suffering from distressing mental health symptoms. With stressors like isolation from the COVID-19 lockdowns, too much screen use, frightening news reports, increasing college pressures, increasing financial strains on families, and the compare and despair dynamics that arise from social media, kids are feeling the pressure. Child experts and advocates have called for the Biden administration to declare a youth mental health emergency and are begging schools to adopt better trauma-informed health and sex education. What are the contributors, and how can we help?
The Highlights
The CDC report data comes from 17,000 U.S. high school students who were surveyed in the fall of 2021 when most schools returned to in-person teaching. The good news is that overall sexual activity, substance abuse, and in-school bullying are down. The bad news is that teen safety concerns due to violence, sadness, hopelessness, and suicidality are up, especially among girls and LGBQ+ students (trans students were not identified for this survey).
Here is the Summary of Findings from The Youth Risk Behavior Survey Data Summary & Trends Report: 2011–2021
Sexual Behavior
Substance Abuse
Experiencing Violence
Mental Health and Suicidality
Parental Monitoring
Teen Girls
The survey suggests that nearly 3 in 5 (57%) U.S. teen girls felt so sad or hopeless that they couldn’t engage in regular activities for two weeks or more. Nearly 1 in 3 (30%) seriously considered attempting suicide—up nearly 60% from a decade ago. And 1 in 5 (18%) experienced sexual violence in the past year—up 20% since 2017.
LGBQ+ Youth
Almost 70% of LGBQ+ students said they felt persistently sad or hopeless, and 20% reported attempting suicide. Fifty-two percent of LGBQ+ teens had poor mental health symptoms in the past 30 days compared to 29% of all teens.
Possible Contributors?
It’s important to consider that the survey occurred at the end of the isolation from COVID-19. Although I am still
seeing significant fallout among kids, tweens, and teens, they have recovered somewhat from that dark and frightening time.
We must also consider that this is a survey. Without experiments where we expose one group of teens to possible causal variables (e.g., social media or isolation) and don’t expose a control group, we can’t determine what is causing the distress.
Surveys simply state and analyze subject report. It’s impossible to tell the causes from this type of data. We are left to guess with our observations and experience, forming hypotheses and looking for evidence to support them. As the Founder of GetKidsInternetSafe, a mother, university faculty member, author, and clinician who has treated kids, teens, and families for over 25 years, I have some ideas.
PHONELY: Our kids are phonely. Because we were hunters and gatherers for 90% of human existence, our brains are wired to thrive with face-to-face tribalism. Online relationships just don’t do it for us long-term.
ISOLATION: With the isolation of COVID-19, kids lost friends and confidence and regressed in their social skills.
SOCIAL MEDIA: Social media and the internet offers a constant onslaught of online ads and marketing influencers for kids and teens. This unfiltered exposure can lead to chronic fears of being judged and ridiculed as well as feelings of inadequacy and exclusion. The CDC report demonstrates that there is an epidemic of online bullying and cybersexual violence, especially toward girls and LGBTQ youth.
PARENTING: Parenting strategies have become overly protective based on anxiety and fear resulting in less child independence and more fear of failure. Plus, they spend more time online than with us. It is difficult for parents to overcome the influence of strangers and taking away all screen activities has become nearly impossible.
NEWS: Sensational and divisive news expertly and manipulatively communicates fear-inducing trends like mass shootings, climate change, and inflation. This has got most of us rattled, especially the most vulnerable among us.
FINGER-POINTING: We have tolerated and participated in an ugly, divisive climate of entitlement, bullying, and blame rather than accountability and positive action.
GROUP-THINK: The internet speaks the language of mental health – but this may result in a group-think phenomenon of looping on mental health suffering instead of increasing agency and growth.
LACK OF APPLICABLE EDUCATION: Trauma-informed, evidence-based health and sex education isn’t being offered equitably among out schools. Parents don’t want to leave this important job to schools, but they’re also not doing a great job themselves in many instances.
NOT ENOUGH MENTAL HEALTH SERVICES: There aren’t enough mental health services available to our youth.
LACK OF FAITH AND COMMUNITY: Pulling together as a loving, cooperative team is critical for kids to feel a sense of belonging and community. As our families get smaller and we have fewer extended family to offer support, our kids are left to fend for themselves.
Of course, this is not an exhaustive list. But it does summarize much of the research findings and conjecture that has surrounded these issues. There are more ideas for the list. But for the purpose of solving the problem, how can we take these stressors into consideration as we discuss possible solutions?
Considering the complexity of the question, what can we do to improve the situation? Reverse Engineer!
Reverse engineering refers to the process of looking at possible outcomes (like the causes posited above) and slowly working backward for a solution. Although this is clearly a messy mission, I watch kids regain the mental health ground they lost every day in practice. Despite what some may think, effective psychotherapy isn’t simply listening and reflecting feelings of despair. As a cognitive-behavioral therapist, I employ techniques specifically designed to facilitate positive movement forward. I’ve found that, if I set the tone and get everybody started, parents can take it from there.
Here are some tips for improving mental health and well-being at home:
As a family, negotiate a set of measurable goals and revisit them often for direction and motivation. Praise and reward movement forward and maintain and warm and encouraging tone along the way.
Use storytelling and a sense of humor to normalize failure and encourage curiosity and confidence.
Turn off the news and divisive influencers who are selling toxic ideas and products.
Reassure kids that they are capable and loved and that grit is what matters the most, far more than being attractive or innate skills.
Encourage kids to detox off their phones occasionally and engage more in real-life exploration and socialization.
Stay moderate. Avoid shaming lectures and demoralizing consequences.
Offer mindfulness, problem-solving, and communication strategies to help kids gain independence and confidence.
Offer outcome- and science-based education that empowers informed action rather than create fear.
Support parents in not personalizing child behaviors and help them set fair and reasonable limits with warmth, encouragement, and love.
Lead our kids toward post-traumatic growth rather than feelings of helplessness, hopelessness, and fear with expert mentorship, fun, and opportunity.
How can GetKidsInternetSafe help?
I founded GetKidsInternetSafe so I could be part of the prevention effort – rather than just the treatment effort. If you’re not sure where to get started, we have a comprehensive suite of tools for parents, tweens and teens, educators, paraprofessionals, and professionals who work with families and kids.
Dr. Bennett’s book, Screen Time in the Mean Time, is a comprehensive and easy-to-read parenting guide for families with kids of all ages. Available on Amazon in print, e-book, and audible!
Tighten up parental controls and monitoring with the help of our GKIS Screen Safety Toolkit. This toolkit helps to empower parents and provides them with a resource list of smart tech tools to filter, monitor, and manage online behavior.
For families with younger kids, our home setup Connected Family Course is an awesome place to start.
To help your tween or teen get prepared for safer internet use and social media, help prevent digital injury, and optimize wellness, check out our most popular course, the Social Media Readiness Course.
Want to work for screen safety as a community? We’ve thought of that too! Dr. Bennett offers live presentations and webinars for adults and kids from schools, churches, corporations, and conferences.
If you want all of our supplements and courses at a low cost for parents and kids, tweens, and teens, you’ll want our mega Screen Safety Essentials Course! This online course offers a set of four modules that will help you walk your kids through the essentials of screen safety.
I’m the mom psychologist who will help you GetKidsInternetSafe.
Through their quickly consumable content, TikTok, Instagram, and Twitter have made it increasingly easy to connect with people who have similar interests to you. While this helps people to find those like them, it may become dangerous when those interests are morbid. All over social media, you can find fan accounts and fan edits for the world’s most deadly serial killers. By connecting true-crime fans all over the world, social media has caused an emergence of teens who have a cult-like obsession with killers like Dahmer, Bundy, and Manson. Today’s article covers social media’s obsession with serial killers and how you can keep your child safe from digital injury with our GKISScreen Safety Toolkit.
Fandoms and The Rise of the “Stan”
A fandom is a group built around the shared interest or enjoyment of something in popular culture.[1] Since before the creation of the internet, people have gathered to meet and obsess over their common interests. The internet has simply made it easier to do so.
Fandoms provide a space for people to be themselves without judgment, leading to higher levels of self-esteem.[2] There is a term for those who are particularly obsessed, called “Stans.” A Stan is someone who is a mix between a stalker and a fan, someone who shows extreme fandom behavior to the point of excessiveness.[3]
Typically online, you can expect to see fandoms for pop culture groups like movies, TV shows, and musicians. However, with the rise in true crime popularity, a new subgroup has formed of “Stans” with a particular interest in serial killers and their victims. These Stans continually post videos of serial killer interviews edited to music, create fan accounts, and even write serial killer self-insert fanfiction where they are the victims.[4]
Social Media’s Role in Obsession
Social media thrives on content that can get lots of views and produce lots of likes, meaning that the more scandalous and salacious content is, the more likely it is to do well. The notifications from social media likes and comments trigger the reward center of our brain, releasing dopamine and making us feel good all over.[5] When users post content that is related to their fandoms, they get a rush of dopamine and that connection between fandom content and happiness causes them to post more and interact with the content more.
Social media has also created a world where content is readily available for consumption, meaning that people can see posts specifically tailored to their interests 24/7. This allows people to go from fans to superfans, spending their waking moments scouring the internet for posts related to their fandom. One Quora user shared their experience as an obsessive fan, “I’ve been addicted to a fandom for 7 years, and I haven’t been able to stop thinking about it for that long. As per my personal experience, I got sucked into several fandoms due to over-engaging in social media. I over-identified with the idols and associated my own ego with that of their public image.”[6] This idolization of celebrities creates dangerous parasocial relationships that are only made further dangerous when one’s idol is a serial killer. To learn more about parasocial relationships, check out the GKIS article, “The Dangers of Online Parasocial Celebrity Relationships”.
When Does Harmless Become Harmful
It’s easy to brush off fandom behavior as nothing more than a phase one will grow out of. But when the obsession turns into something more it can become dangerous. Cody Ackland was a 24-year-old who grew up obsessed with Ted Bundy, an interest that no one paid much attention to until he attacked and murdered 18-year-old Bobbi Anne McLeod. Just hours before attacking McLeod, Ackland had searched for “Ted Bundy dead victim’s bodies” and “Ukrainian serial killer bodies” on the internet.[7]
Teens have become more and more desensitized to serial killers and true crime content, going so far as to make fan accounts as part of a big internet joke. When 23-year-old Peter Manfredonia was on the run from the police following a double murder he committed, teens on TikTok and Instagram began making fan accounts and posting meme comments to the killer’s personal Instagram page.[8] While the people running these accounts chalk up their actions to being a big joke, there is a large community of people who genuinely run fan accounts for notable serial killers.
Reddit user IkariMonster shared screenshots of several accounts from Twitter to a sub-Reddit, stating, “These teenagers worship and treat serial killers and school shooters like e-boys.”[9] In the screenshots, you can see several fan accounts treating serial killers Ted Bundy, Jeffrey Dahmer, and the Columbine Shooters Eric Harris and Dylan Klebold as though they were celebrities. In one post a teenage girl shares a selfie next to her bedroom wall, which is covered in photos of Dahmer with the caption, “I just thought I’d share cause I think my wall looks pretty [face with hearts emoji].” These accounts and posts are just one example of content and cult-like obsessive behavior that exists across multiple social media platforms.
The victims of these killers were people with friends and family and the pain they endured it absolutely horrendous. There is no reason that serial killers and mass murderers should be praised or celebrated for their actions. The creation of fan accounts and fandom content perpetrates further violence against the families of the victims and serves as a constant reminder of the pain they suffered. GKIS does not endorse this behavior. We are mortified by it and think it is destructive to kids and teens to be so callous and to celebrate violence in this way.
What Parents Can Do
Installing management tools for social media can help you in monitoring their internet behavior. If you would like help with this process, check out our GKISScreen Safety Toolkit made to help empower and provide parents with smart tech tools to filter, monitor, and manage online behavior.
Co-view the content your child interacts with; you can scroll together to choose what content they view and enjoy.
Make it known from the beginning the type of content that is acceptable for your child to view. We can help facilitate this healthy conversation with ourConnected Families Screen Agreement to help you work with your child to create a collaborative, living document.
How do you like to use the internet? To watch videos of puppies and kittens? Or posting pictures of your family and friends? Maybe to satisfy your shopping addiction on Amazon? Maybe your internet use has not been so innocent. Many use the internet to get a thrill or get their anger out. Online harassment is not uncommon, so much so that there are websites built to support it. Kiwi Farms, for example, is a forum website where users are encouraged to harass online personalities and communities. Today’s GKIS article details the targeted harassment done by Kiwi Farms users and how the website facilitates this behavior. If you’re concerned your kids may be victimized by harassment or overstep and do the harassing themselves, check out our Screen Safety Toolkit. With this online course and resource guide, you can learn how to protect your family online.
The Start of Kiwi Farms
Joshua Conner Moon, a former administrator of the 8chan message board, started Kiwi Farms in 2013. It was first established as a forum website to troll and harass a webcomic creator. Before the term “Kiwi Farms” was coined in 2014, Kiwi Farms was known as “CWCki Forums.”
Organized Harassment
The Kiwi Farms website targets a wide range of victims, including Internet celebrities, minorities, women, neurodivergent individuals, LGBTQ people, members of the far right, and people who Kiwi Farms users believe to be “mentally ill” or “sexually deviant.” Both Moon and the Kiwi Farms user base have been labeled as anti-Semitic.[1]
swatting (reporting crimes at their addresses to have police dispatched to their homes)
real-life attacks
People Who Have Fallen Victim
U.S. Representative Marjorie Taylor Greene claimed in an interview with NewsMax on August 24, 2022 that she had been swatted twice by someone posing as a Kiwi Farms moderator “AltisticRight.” She urged for the website to be taken down. In reaction, Cloudflare shut off a feature on the website that lets users modify error messages.
Clara Sorrenti, a transgender advocate and Twitch broadcaster who goes by the handle “Keffals,” was doxxed on Kiwi Farms as well. Users of the website shared both her personal information and those of her friends and relatives, including addresses and phone numbers. Users also threatened her life and leaked sexually explicit images of her. In August 2022, after someone hijacked her identity and sent false emails to local lawmakers threatening widespread violence, she was later swatted, imprisoned for more than ten hours, and arrested. She was ultimately exonerated of all charges, and authorities determined that the incident was a swatting effort.
Users also shared the address of a stranger who lives in the same city and has the same last name as Sorrenti. Police were subsequently dispatched to his home. Sorrenti claimed that she left her house and checked into a hotel for her protection following the swatting event. After she uploaded a picture of her cat lying on a hotel bed, Kiwi Farms members recognized the establishment from the bedsheets and sent several pizza orders to it using her dead name.
Later, Sorrenti left the country after her whereabouts were discovered, allegedly by someone who had hacked her Uber account. Sorrenti says that she intends to file a lawsuit and that the occurrences were being investigated as criminal harassment.
Suicide
A hate campaign against transgender game creator Chloe Sagal was started in 2013 by Kiwi Farm users. Sagal is well-known for creating the well-liked, independent horror game Homesick. After Sagal started raising funds for gender reassignment surgery, they began to attack her. Users hounded and harassed Sagal for years after they started a post specifically to target her. Sagal lit herself on fire in 2018 in a park in Portland and died at 31 years old.[3]
According to images of chat boards and videos published by DropKiwiFarms.net, an initiative was passed to shut down the website after Moon posted a live YouTube video celebrating Sagal’s passing while other Kiwi Farms users laughed and made fun of the game developer.
The Short End of Kiwi Farms
After the harassment effort by users of Kiwi Farms against Sorrenti, a movement to persuade Cloudflare to stop hosting the site was launched in August 2022. Cloudflare is a company that provides hosting and online security services. This, according to NBC News, was done to allow Kiwi Farms to be the target of “debilitating virtual attacks.”[2]
Although Cloudflare first defended its choice to continue working with Kiwi Farms, the company formally banned the website from utilizing its services on September 3, 2022. However, on September 6, VanwaTech supplied content delivery network services to the website, returning it online according to The Daily Dot.[4]
How to Protect Your Child
Unfortunately, many parts of the internet are unregulated. And when children have easy access to it, they can fall victim to being harassed online or fall down a dark path of harassing people themselves. Luckily, Dr. Bennett can help you protect yourself and your family from online harassment.
One helpful tip for parents is to make it a habit to hold GKIS Family Meetings with a teaching agenda that covers important online issues that your children will face. This provides opportunities for mutual education and skill building, and it also builds a close family alliance. Get ideas for your discussion with our GKIS Blog and learn parenting strategies with Dr. Bennett’s Screen Time in the Mean Time Parenting Guide.
Thanks to CSUCI intern, Liliana Esquivel, for detailing the targeted harassment done by Kiwi Farms users and how the website facilitates this behavior.
I’m the mom psychologist who will help you GetKidsInternetSafe.
Even with parental oversight, children are often exposed to harmful and dangerous ideas on the internet. It’s too easy for an online influencer to gain a large platform to spread radical ideas and infect highly impressionable kids. Andrew Tate, a person who skyrocketed to internet fame in 2022, is one of these influencers. Tate is well-known for creating violent and sexist online content and has amassed billions of views. Children have unprecedented, unfiltered access to this information everywhere, particularly on social media platforms. But with Dr. Bennett’s Social Media Readiness Course, you can help your tween or teen learn to navigate social media more safely. Even one view is too many. Check out our Social Media Readiness Course today. Today’s GKIS article describes the wildly popular platform of Andrew Tate and details the risks that may be posed to your child online – and how to avoid them!
Who is Andrew Tate?
Andrew Tate is a hugely popular American-British social media personality who gives men and young boys dating, financial, and life advice. He was a four-time world champion kickboxer that appeared on the TV show Big Brother in 2016. This was short-lived as Tate was fired from the show due to a video that surfaced on the internet of him beating a woman with a belt.
Tate then founded a website called Hustler’s University where he offers online courses about how to make money from online business. You also get access to his private Discord server, where there is more information about making money through crypto, E-commerce, and stocks. Various reviews about Hustler’s University allege much of the information being sold can be found on other websites for free. Many people have also described it as a multi-level marketing scam.
Tate claims his financial success is from his webcam business and crypto. However, the ethics of how he gained his wealth is questionable. In April 2022, Tate and his brother Tristan were raided by the Romanian police due to a tip from the US embassy that a young American woman was being held hostage in their home in Romania. Authorities have stated that there is an ongoing investigation into human trafficking and rape allegations.
His Meteoric Rise (and Downfall) to Internet Fame
It is almost impossible to be on social media without seeing a clip of Andrew Tate voicing his controversial opinions. He started gaining popularity during the early summer of 2022. His popularity skyrocketed on various social media platforms such as Instagram, Tiktok, and Twitter. He has appeared on multiple popular podcasts and Twitch streams. He also has his own YouTube channel called Tate Speech.
Involuntary Celibates
The statements Tate has shared on social media follow the ideology of the involuntary celibate (incel) movement, an online subculture of self-identified involuntarily celibate men who express hateful attitudes towards other men who are successful with women and hold misogynistic beliefs. In the article, Could Your Son be an Incel in the Making?, we deep dive into the incel movement and explain how to protect your children from online hate groups.
In a clip discussing the #MeToo movement, Tate said, “If you put yourself in a position to be r***d, you must bear some responsibility.” In another viral TikTok video, he says, “It’s bang out the machete, boom in her face, and grip her by the neck. Shut up bitch” if a woman were to accuse him of cheating. He has gained 4.3 million Instagram followers with many of these videos reaching billions of views.
Rightfully so, Tate’s rhetoric has sparked enormous public outcry. Yet many people post support for his outrageous statements. Unfortunately, even bad attention is good attention on social media. Too often the loudest and most controversial influencers attract the biggest followings. Many social media platforms such as Tiktok, Twitter, Facebook, Instagram, and YouTube banned him.
Potential Risks Children May Face
Sadly, kids don’t have the cognitive skills or experience to successfully maneuver through the complex moral dilemmas posed on social media. Sometimes they emulate influencers because they see that it attracts attention. Teachers have been sharing their experiences of hearing young students repeating things Andrew Tate has said to other students and are alarmed about his influence.
Potential risks children may face when exposed to inappropriate online hate speech include:
a sense of inferiority and shame
hateful attitudes and beliefs about women that can have long-term impacts on the ability to develop healthy relationships
low self-esteem
desensitization to immoral ideas
exposure to scammers and those intending to exploit kids
mental health problems
Here’s What You Can Do
Andrew Tate is not the first and won’t be the last to spread dangerous rhetoric on the internet. Get equipped with the proper tools to help you and your children stay safe while surfing the wild web. Check out our most comprehensive parent and family course, our Screen Safety Essentials Course. This course provides you with parenting and family coaching videos, support, and other valuable information to help you build a safer screen home environment.
Thanks to CSUCI intern, Liliana Esquivel, for discussing the popular platform of Andrew Tate and detailing the risks that may be posed to children online.
I’m the mom psychologist who will help you GetKidsInternetSafe.
Scams can cause extreme financial and emotional distress to victims and their families. With technology, scammers have become more creative in accessing their victims by offering quick clicks and false credibility. Even young teens that navigate effortlessly online have a hard time distinguishing legitimate situations from scams. To help you and your family avoid becoming the victims of a scammer, I interviewed “William”* who shared his mother’s story. She was an educated professional that fell victim to multiple scams over five years. You won’t want to miss the true story about what happened to her. If your family hasn’t taken steps for increased awareness and cybersecurity, you’ll want to check out our Cybersecurity & Red Flags supplement. The perfect compliment to our free Connected Family Agreement, you can take the extra steps you need to protect your loved ones right now. Our guide offers tips to avoid hacking, scamming, malware, and phishing and is a must-have for today’s modern family. Today’s GKIS article shares the story of an elderly woman victimized by scammers, the types of scams to look out for, and tips on how to avoid becoming a victim yourself.[1]
*Names were changed to protect the privacy of the victims.
What are scams?
A scam is a dishonest scheme to cheat someone or steal money. With the help of technology, scammers have been able to target their victims in more creative, easier, and faster ways than ever before. According to an FBI report, 2020 scams resulted in a loss of over 4.2 billion dollars. With more baby boomers retiring and the pandemic resulting in more at-hone isolation, I suspect those losses rose in the last few years.[1,2]
Who Scammers Target
Although anyone can become a scam victim, research has shown that scammers tend to target kids, teens, and the elderly. A study conducted by the University of Iowa confirmed that a certain area of the prefrontal cortex of the brain is responsible for processing information and solving problems – tasks that help people consider whether information is true or not. Young people tend to be vulnerable to scams because this part of the brain is still developing, and older individuals are vulnerable when they demonstrate poor technological fluency, are isolated, or suffer from a decline in problem solving ability.[3]
The Story of William and His Mom
William is a middle-aged man who generously shared his story with us about his elderly mother, Mrs. Thorn, who was scammed out of tens of thousands of dollars over a five-year period. Despite his best efforts to protect and rescue her from the scammers, he struggled to keep her safe. Once one scammer got ahold of her and convinced her to send money, many other scammers started approaching her too. William suspects that the scams were somehow linked as if they shared her information with others. Below are some of the scams she fell victim to.
Different Types of Scams
Charity Scams
William described his mother as a generous individual. She was a nurse in Japan during the 1950s, and, after she retired, she continued helping others by volunteering at church and other organizations. As she got older, she would receive postcards in the mail from different charities, a common scam targeted at elders. Although her income from social security and savings was not a lot, she began “donating” money to those she perceived as less fortunate than herself.
Piecing together what happened with his mom’s checking and bank documents, William found that she initially sent small amounts of money ranging from $5-10. Once the scammers had her on the hook, however, they would groom her for larger and larger “charitable” donations.[4]
Lottery/Sweepstakes Scams
Another scam that William’s mother fell victim to was the lottery/sweepstakes scam, which also commonly targets elders. These types of scams claim that the victim has won a large amount of money or other prizes such as a new car. Once the victim is excited and eager to collect their prize, scammers require that they pay a fee or taxes. As the scammer reaches out with details, the victim often adopts an illusion of intimacy, meaning they feel they have a personal, caring relationship with the scammer. This false intimacy pulls the victim in deeper, often eliciting more and more personal information from the victim.
William confirmed that Mrs. Thorn spoke to the scammers about his efforts to block their access and protect her safety. Mrs. Thorn’s scammers not only instructed her not to tell anyone because it could be a nice surprise for her family, but they also offered specific suggestions on how to work around the safeguards her son put in place. They seemed to play on her wishes for independence and worked to create and escalate conflict between her and her son.
Our GKIS Connected Family Course can help you close screen risk gaps and improve family cooperation and closeness. If you have school-age children at home or love somebody who does, check it out. Not only does the course offer amazing safety home setup tips, but it helps parents create fun dialogues for better, healthier parent-child relationships.[4]
Government Impersonation Scams
William noticed that some of the scams his mom was involved with may be linked with others. For instance, to pay the taxes of her “prize,” the scammer would set Mrs. Thorn up to talk to an “IRS agent.” These types of scams are known as government impersonation scams which are types of very popular imposter scams. According to the FBI, government impersonation scams typically involve the scammer impersonating a government official who threatens to arrest or prosecute victims unless they pay a fee. William shared that they even tried to trick him with false threats of prosecution and arrest unless he agreed to cooperate.
Dr. Bennett shared that immigrants can easily be targeted with this type of scam as well. She shared a story of a colleague who was a Chinese immigrant who worked as a software engineer. This victim’s scammer posed as a member of the Chinese government and threatened the safety of her family if she didn’t pay overdue fines. The scammer demanded that she not tell her friends and family and immediately pay. She lost over $150,000 that was never recovered before she realized she’d been scammed.[4]
Phone Scams
William explains that although his mother’s scams initially started by mail, they soon turned into phone calls. He allowed me access to his mother’s journal which included notes on the people she spoke to and what they had asked her to do. Her notes reveal that she would talk to the same people over and over and eventually trusted them more than her own family and friends. The scammers were very persuasive and would instruct her how to wire funds to unfamiliar places and people, even going so far as giving her directions to wiring locations that her son had not blocked yet. William spent countless hours visiting banks, local wiring locations, and friends begging them to not help his mom transfer money or provide transportation. Although he spoke to his mom many times, he found that the scammers would get to her anyway with relentless pressure and creative arguments.
Scammers have no limits.
It was not until William caught his mom almost wire transferring $200,000 that he finally got the information he needed to gain conservatorship over Mrs. Thorn. By then, the scammers had even instructed her to how to send money from q reverse mortgage loan on her home to complete the transaction!
William said the scammers had no shame and would even help her find ways to continue participating in the scams even after he took steps to stop them. He shared that they would pressure her with false deadlines and threats, making her so anxious that she would rush into performing workaround instructions. Her journal reflects moments of intense anxiety as she tried to complete the complex transactions.
To emphasize how far scammers would go, he shared that, after he lowered his mom’s allowance to $25 a week and there was not much to get from her anymore, they still tried one last thing – the 976 phone scam. According to William, this is a scam where you call back a number with an area code of 976 and get charged a huge per-minute fee. The longer the scammer keeps the victim on the phone confused and anxious, the more money the scammer gets.
Avoid Being Next
William shared that his mom was scammed out of about $70,000 before it stopped. If it was not for her son’s compassionate and tireless commitment to protect her, it could have been far more. Other popular scams include shopping scams and job opportunity scams. If you are worried that bad actors can access your family members, check out our Screen Safety Toolkit. Our resource guide is perfect for those that need smart tech tools for filtering, monitoring, and management.
Tips to Outsmart the Scammers
Contact your phone carrier and internet service provider to research helpful tools for blocking unwanted and unknown calls, texts, and emails.
Remember, if it sounds too good to be true, it probably is.
Don’t act immediately, take a moment to research the situation and talk to someone who you trust.
Don’t give out personal information like your name, date of birth, social security number, address, or usernames or passwords. Legitimate organizations will not text, call, or email you to obtain private information.
Don’t complete forms from an email link. Instead, go directly to the website of the company you are dealing with and complete the business from there.
Call the company directly to confirm the request was legitimate before you offer information or complete forms. The IRS communicates through US mail, not by telephone or email. Call 800-366-4484 to report IRS-related phishing attempts and fraud.
Be sure to keep up with device updates for security patches, delete unused and unwanted apps, and change your passwords frequently.
Review your credit card statements regularly to catch unauthorized charges and periodically review your credit report.
Consider freezing your social security number for new financial transactions with Experian, Equifax, and TransUnion to escape identity theft.
Lastly, Google “scams” or a quote from any communication that may be a scam to learn more about the common scams that may target you.
Scams are no joke. Once you become a victim, serious damage can occur that can take years and years to repair. Check out our other GKIS article Child Identity Theft is on the Rise. Protect Your Family Against Cybercrime, to learn more about how fraudulent purchases made with your private information can change your life
Here are some other related articles offered on our GKIS website for more information on hacking, scamming, malware, and phishing. Learn more about the dangers of online to be prepared for anything that comes your way.
Thanks to CSUCI intern, Katherine Carroll for researching Greenlight debit cards for kids.
