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Email Scams 101: How to help protect yourself and your assets

Email scams are on the rise and have increased 111% from 2018 to 2022, with losses totaling over $2.7 billion in 2022, according to the FBI Internet Crimes Report.

Using social engineering, email scammers gain the trust of a targeted person with the goal of getting them to send funds to a different person or entity than originally intended. Here are some things to know about email scams, so you can help protect yourself and your assets.

How they target you

Scammers typically interject themselves into your normal transactions to change the destination of the funds.

Common occurrences include:

  1. Real estate closings: Scammers will impersonate the identity of the title/real estate agent, or closing attorney, and send different payment details.
  2. Vendor impersonation: They can also pose as representatives of a company or government agency and advise that an invoice must be paid immediately to avoid a negative consequence. They often ask for a wire transfer to a fraudulent bank account or other means of payment, such as a check or ACH transfer.
  3. CEO/executive impersonation: Scammers will also impersonate the CEO or executive of a company. They request that an employee within the accounting or finance department transfer funds to an attacker-controlled account

What to know and do

Knowing what to do and what to look for is critical to avoid becoming a victim of an email scam.

Account changes: Always verify and confirm details with the parties involved, especially with messages regarding funds transfers. Some email scammers use hacked email accounts, so it’s important to use a different method to verify that the sender is not a scammer. You can call or text an associated phone number or interact on a trusted mobile app or chat channel.

Email sender validation: Scammers can also use fraudulent email addresses that closely resemble a legitimate email address that you may have been communicating with previously. The addition or removal of a single character in an email address may be difficult to spot at first glance:

  • Go‍og‍le‍.‍co‍m vs. Google.corn‍:‍ In this case, the scammer replaced .com with .corn, with the letters “r” and “n” replacing the letter “m”
  • JONDOE@BUSINESS vs. JON.D0E ‌@‌ BUSlNESS‍: For this example, the scammer used a zero instead of a capital O, and added a period in between “JON” and “D0E”. They also used a lowercase “L” in place of the capital “i”

Urgent or priority emails: Emails may contain a header in the subject line or phrases in the content of the email, such as “urgent” or “confidential.” If you receive an email marked urgent or confidential, please review it carefully for accuracy and reach out directly to the individual to validate the request.

Bookmark our new site, citi.com/fraudprevention, and visit often for the latest updates on common scams and how to spot them.

Remember: When in doubt, do not act.

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Mount Rushmore

Mount Rushmore is one of the United States’ most recognizable landmarks, but it contains a hidden secret: a 70-foot-long tunnel located behind Abraham Lincoln’s head. The tunnel was created as the entrance to a Hall of Records conceived by sculptor Gutzon Borglum. The idea was to build a chamber inside the monument that housed important documents such as the Constitution and Declaration of Independence, which would be accessible by an 800-foot granite stairway that stretched up the mountain from Borglum’s studio to the chamber. Work began on the Hall of Records in July 1938 as crews constructed the 70-foot tunnel. However, in 1939, Congress halted work on the chamber and instructed Borglum to focus on carving the Presidents’ heads instead. Borglum died two years later in 1941, effectively putting an end to the side project and leaving the Hall of Records unfinished.

Almost 60 years later, the Mount Rushmore National Memorial Society brought part of Borglum’s vision to life, installing a box at the chamber’s entrance containing 16 porcelain enamel panels. The panels explain the story of the United States and include biographies of the Presidents featured on Mount Rushmore. They were sealed beneath 1,200 pounds of granite capstone as an homage to Borglum’s initial vision.

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A Morning Ritual

Eat the Frog

According to a famous quote attributed to (but probably not actually spoken by) Mark Twain, “If the first thing you do each morning is to eat a live frog, you can go through the day with the satisfaction of knowing that that is probably the worst thing that is going to happen to you all day long.” Put in simpler (and less gross) terms, get your most difficult task out of the way as early as possible so that it doesn’t hang over your head all day and you know, even on an off day, that you accomplished something. What that task is up to you — if you work from home and are prone to being sedentary, maybe it simply means working out shortly after waking up rather than waiting until the evening. The truly important thing is to start your day with a feeling of accomplishment rather than procrastinating for as long as possible.  “Wishing you a bless productive Day”

The last sentence I added.

Ann

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Get Gas in the Morning or at Night

When you head to the gas station does indeed make a difference. Filling up your tank early in the morning or late at night can save you some money over time, but not because prices are lower at different times of day — it’s because of temperature. Gas expands when heated, meaning filling up in the middle of the day, when the temperatures tend to be highest, could result in paying more for less gasoline. 

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The microwave was invented by accident.

Did you know?

The microwave was invented by accident.

During World War II, Allied forces gained a significant tactical advantage by deploying the world’s first true radar system. The success of this system increased research into microwaves and the magnetrons (a type of electron tube) that generate them. One day around 1946, Percy Spencer, an engineer at the aerospace and defense company Raytheon, stepped in front of an active radar set and noticed, to his surprise, that microwaves produced from the radar melted a candy bar in his pocket. After getting over his shock — and presumably cleaning up — Spencer conducted a few more experiments using eggs and popcorn kernels, and realized that microwaves could be used to cook a variety of foods. Raytheon patented the invention a short time later, and in 1947, the company released its first microwave.

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Family Preparedness – 4 Tips to keep your family safe

Family Preparedness Tips from Ann Jones Real Estate

1. Awareness: If you have a cell phone, it is set up to send you Wireless Emergency Alerts (WEA) warning you of impending danger. Public alerts will also come through your television.

2. Establish family meeting spots: It’s important to stick together in an emergency. You will need four different meet up places: (a) In the event of a natural disasters, like a tornado or a hurricane, there needs to be an in-home meeting spot in (a) a windowless room, closet or bathroom, a safe room, or a basement. (b) There needs to be a pre-determined neighborhood meeting spot; i.e., a tree, the end of a driveway, or a neighbor’s house. (c) A regional meeting spot is needed; i.e., a school, a church, a community center, or a relative’s house. (d) In case of an evacuation, you will need an out-of-town meeting spot; i.e., the home of relatives or friends, a hotel, or a landmark.

3. Develop a family communication plan: In emergency situations, cell phones and text communication usually work better than email and landlines. Make sure everyone has everyone else’s contact information, including out of town contacts.

4. Everyone will need proof of identification: name, Social Security, blood type, medical information, medical contacts, medical insurance, list of needed medications, family contact information, emergency contact persons, etc. One way to do this is for everyone to have an ICE (“In Case of Emergency”) card. See www.GetICECard.com. It is also a good idea to have family member’s ICE information stored in your cell phones.

Information courtesy of http://www.jimsdailyawakenings.com/webdisplay.cfm?jdaid=3030 and edited for clarity.

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Home Resolutions in Brownwood, TX

5 Home Resolutions to Improve Your Lifestyle in 2019

In honor of the New Year, for our first post of 2019 we have compiled this list of resolutions that will help you make your home more beautiful, eco-friendly, and easier to maintain that ever:

clear-the-clutter

One of the best and least expensive ways to feel better about your home is to clear it of clutter.

Each year, especially around the holidays, most of us acquire a mountain of stuff. Without some regular purging, cabinets, drawers, and even surfaces start to overflow. Eventually, it becomes hard to find the things you use and enjoy the most. (All that clutter also makes your house look dated and dirty, designers say.)

This year resolve to go room-by-room periodically clearing anything that you don’t use, wear or love and donate it to charity. After that, think twice about what you bring in; fill your home with the things that raise your energy level and make you feel good, and get rid of things that drain your energy or are broken,” she says.

Stash useful (but not beautiful) items such as DVDs, remotes and those kicked-off shoes in simple woven baskets. Group similar items together on sleek trays for a modern look.

Clear your counters of everything you don’t use on a daily basis. And get ready to breathe a little easier in your own home.

safe-and-sound

Your home may be beautiful, but is it safe? There are a few things that every homeowner should do to ensure that they’re not living with a potential health hazard or fire risk.

First, check your house for radon. This colorless, odorless gas causes about 21,000 lung cancer deaths each year from the radioactive particles it traps in your lungs as you breathe, according to the U.S. Environmental Protection Agency. One in every fifteen homes has elevated levels. And with test kits costing as little as $20 at your local hardware store, there’s no reason not to get right on that.

While we’re on the subject of deadly gas, install a carbon monoxide detector on every bedroom floor. If a chimney flue or furnace vent gets blocked or leaks, carbon monoxide could back up in your house and kill you. Like a radon test, this is a small investment — $40 or more — for such an important safeguard.

Watch out for dryer lint. We know you clean the little trap inside the door, but most people neglect to clean the vents and ducts behind the dryer. Lint may seem innocent, but it’s highly combustible, according to the U.S. Fire Administration, accounting for more than 15,000 building fires a year.

Make sure your house can breathe. Many people’s bathrooms and attics aren’t vented to the outside (or the vents are covered over with shingles.) This makes you a prime candidate for mold.

And if you’re considering a remodel, consider testing for lead paint and asbestos flooring. It will have to handled properly during removal, or particles can be released into the air for you to ingest.

lower-bills-go-green

When people think of going green, they often think it takes solar panels or a hybrid car to make a difference. But all it really takes is a little good old-fashioned common sense.

The best place to start is by cutting your energy usage in your home:

– Remember your mom’s advice and switch off the lights when you leave a room.

– Turn off your air conditioner when you leave the house and dial your heater down to 55 degrees at night.

– Install LED bulbs and low-flow shower-heads.

– Try drying some of your clothes on the line. Also, wait for the dishwasher or washing machine to be full before you run them.

– Turn off your power strips and/or set your home computer to revert to sleep mode when not in use.

– Water your yard less. Put in drought-tolerant landscaping if necessary.

– Give composting a try. Your garden will thank you.

clean-schedule

Here are a few tips for keeping the mess under control from Jeff Campbell, author of the book Speed Cleaning.

Daily: Dishes go in the dishwasher every night – no excuses! Dirty clothes go in the hamper and jackets or clean clothes are hung in the closet. Bring everything back to its assigned place.

Weekly: Clean your entire house, using these tips:

– Keep all of your cleaners, as well as rubber gloves and spare cleaning cloths – in a portable carryall that moves with you from room to room.

– Stash cleaning implements such as a toothbrush, scraper, sponge, cloths and plastic bags in an apron that you wear when you clean. Hook your glass cleaner and all-purpose cleaning spray on the loops to keep your hands free as you work around the room clockwise, cleaning from high (cabinets) to low (floors.)

– Focus on one type of cleaning at a time. It’s faster, Campbell says. Wipe down fingerprints on all of the cabinets, for instance, before moving on to spraying and wiping counters. Then move on to windows and mirrors and appliances. Once that’s done move on to sweeping and then mopping floors.

– For optimum efficiency, enlist the help of your family. If you can, divide the jobs among at least three parties. One of you can do the dusting/vacuuming and changing beds, another can do the bathroom cleanup, leaving only the kitchen and trash emptying for you to handle. The upside? You can get the whole house done in 45 minutes, Campbell says, leaving more time on the weekends for the park or the movies.

prepare-to-entertain

Each year most of us vow to spend more time with family and friends. To make you feel like inviting people in, why not give the areas you entertain in a little update?

You don’t have go for broke here and invest in a new kitchen remodel. All it takes to get a fresh new look is a little bit of rearranging and a few updates, says designer McCormick.

McCormick also suggests the addition of plants, as they are an easy update that makes your home seem more “finished”.

“They bring in new energy and help clean the air,” she says. “And it’s a great way to decorate if you’re on a budget.”

A couple of dramatic presentations like a large flowering agapanthus (Lily of the Nile) or potted palm in a bright ceramic planter can do the wonders.

Pulling out a new accent color from your existing decor can make the whole room seem fresh. Pick an underused color in the room and add more of it in the form of a new pillow or throw to update your look, McCormick advises. A colorful rug or runner can also help anchor your space.

Lastly, take some time to rearrange your furniture so it is oriented in conversation groups and not just facing the television. That just might up for chances for real conversation and connection in the New Year.

We hope these tips and tricks help make your 2019 a happy and healthy year!

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Welcome to Our Blog!

Hello!

And welcome to the Ann Jones Real Estate blog! We’ve been working on this for a while, wanting to create a place for our clients and community members to go for real estate advice, news, and two-way communication about specific topics.

We want our little corner of the internet to become a source for anything and everything home related. Here are some categories we’ll be writing about:

  • Decoration tips for homes of any size
  • Seasonal recommendations on home maintenance for homeowners
  • Focused explanations to common questions about the buying/selling process
  • Local events and people

As we continue to build our blog, we’ll also create specific content based on comments and questions posted by blog visitors. Any comments posted during company hours (9 a.m. – 5 p.m., Monday – Friday), will get a response on the same day.

We look forward to getting to know you as we embark on this new journey.

See you soon!

-Ann Jones

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