According to Federal Bureau of Investigations, fraud schemes targeting Emeritus have been on a drastic increase. Emeritusare at risk sincemany own their home, and/or have excellent credit—all of which make them attractive to con artists. According tovarious experts, Emeritusare less likely to report a fraud because they do not know who to report it to, are too ashamed at having been scammed, or do not know they have been scammed. Emeritus victims may not report crimes, for example, because they are concerned.

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The Federal Trade Commission, the nation's consumer protection agency, collects complaints about companies, business practices, identity theft, and episodes of violence in the media. Your complaints can help the FTC detect patterns of wrong-doing, and lead to investigations and prosecutions. The FTC enters all complaints it receives into Consumer Sentinel, a secure online database that is used by thousands of civil and criminal law enforcement authorities worldwide. The FTC does not resolve individual consumer complaints.

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History has it that centuries ago, explorer Ponce DeLeon searched in vain for a Fountain of Youth. Even today, consumers explore store shelves, sail through a tide of TV and radio ads, and navigate the internet for an elixir to help them maintain a lean, strong body and wrinkle-free skin. Some modern marketers of pills and sprays claim to have found a Fountain of Youth. Beware of danger these products poses.People spend billions of dollars a year on fraudulently marketed health-related products and treatments that not only are unproven and often useless

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The nation's economy is increasingly dependent on the success and integrity of the securities and commodities markets. The term Securities Fraud covers a wide range of illegal activities, all of which involve the deception of investors or the manipulation of financial markets.

Types of Security Frauds:

• High Yield Investment Fraud

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The FBI and the U.S. Department of Housing and Urban Development Office of Inspector General (HUD-OIG) are urging consumers, especially Emeritus, to be vigilant when seeking reverse mortgage products. Reverse mortgages, also known as home equity conversion mortgages (HECM), have increased more than 1,300 percent between 1999 and 2008, creating significant opportunities for fraud perpetrators.Emeritus are recruited through advertisements for "free homes" and willingly participate in these schemes.

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Understand the Warning Signs

There are warning signs to these frauds. If you hear these—or similar—"lines" from a telephone salesperson, just say "no thank you," and hang up the telephone:

• " You must act now, or the offer won't be good. "
• "You've won a free gift, vacation, or prize." But you have to pay for "postage and handling" or other charges.

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Employment/business opportunity schemes have surfaced wherein bogus foreign-based companies are recruiting citizens in the United States on several employment-search websites for work-at-home employment opportunities. These positions often involve reselling or reshipping merchandise to destinations outside the United States.

How This Scam Works

Prospective employees are required to provide personal information, as well as copies

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Most doctors, health care providers, suppliers, and private companies who work with public and private health care programs are honest. However, there are a few who are not. Health care fraud occurs when fraudulent billings and medically unnecessary services billed to health care insurers. As Health care fraud is expected to continue to rise as people live longer. This increase will produce a greater demand for Medicare benefits.

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The Internet is a useful way to reach a mass audience without spending a lot of time or money. A website, online message, or "spam" e-mails can reach large numbers with minimum effort. It is easy for fraudsters to make their messages look real and credible and sometimes hard for Emeritus to tell the difference between fact and fiction. That is why you should think twice before you invest your money in any opportunity you find online.

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