Scams have become an ongoing issue for everyone. They come as calls, mail, and even get through to personal emails and cell phones. Scammers can “spoof” to manipulate what comes through on caller ID and email.

So, how do we know what is a scam and what is real? Here are a few ways to recognize a scam:

A sense of urgency or emergency, asking for payment immediately, misspelled words or grammar mistakes, not willing to meet you in person if you ask, requests many forms of identification, it sounds too good to be true.

How to avoid a scam: do not give your personal information to anyone you did not expect to hear from, look to a trusted person to help you identify the scam, do not pay someone who insists you send money one specific way, resist the urge for immediacy.