(NYTIMES) – If you’re a digital native and consider yourself immune to all scams, the thieves have you right where they want you.

For years now, the Better Business Bureau‘s survey research has shown that younger adults lose money to swindlers much more often than the older people you may think of as the stereotypical victims. The Federal Trade Commission reports similar figures, with 44 per cent of people aged 20 to 29 losing money to fraud, more than double the 20 per cent of people aged 70 to 79.

When we look at the kinds of scams that work on young people, there’s nary a Nigerian prince in sight. The targeted activities vary widely, from the online shopping that these victims may do nearly every day to their once-in-a-blue-moon handling of paper cheques. Illegal schemes also target the student debt payments they must make and the jobs they seek to afford them.

So let’s lay out what these scams look like – and remind ourselves how we might best…

Read more…