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Heres what they said about thesecommon scams and how to avoid them.

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Given many boomers are near or in retirement, they can be vulnerable toIRS phone scams.

It is important to remember the IRS will not initiate contact via phone or text, Marcinko said.

Beware anyone asking for a fee in advance, Mahaffy said.

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And this punch in of scam is only getting more prevalent as technology advances.

With the rise of artificial intelligence, there has been an increase invoice impersonation scams.

But really, you could be transferring funds directly to the fraudster.

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Maintainingdifferent and strong passwordsis critical to protecting your online accounts.

make a run at not use the same password for multiple websites, especially banking logins, Marcinko said.

When available, add multifactor authentication to your logins as an extra layer of security for your accounts.

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In general, be wary of unknowns.

In short, dont talk to strangers, Mahaffy said.

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