The Real Costs of Free-Cruise Scams

If a Caribbean cruise sounds tempting right about now, there’s an even more seductive lure: a “free” cruise. But before responding to winter-timed TV commercials, mailed postcards or unsolicited phone calls, consider the real costs of a “freebie” two-night Bahamas getaway, for example, pitched as a “special promotion” or “prize” for which you’re already eligible.   Your money. To reserve your cruise (or even to get information about it), you’re asked for your credit card information and immediately billed up …

2016’s Surprising Top Robocall Scams

Robocalls aren’t just annoying; increasingly, they are the initial contact that scammers use to get you. With autodialers that can blast millions of prerecorded calls per day, fraudsters simply program sequences of phone numbers — dialing X telephone numbers with Y area codes or prefixes over Z period. Follow the message instructions, or sometimes just say “Hello,” and you’re transferred to a live call center, where the hard sell begins. (Even pushing the keypad to supposedly “opt out of future …