These days, most of us live much of our lives on the Internet: it's how we apply for jobs, how we communicate with our friends and family, and how we do most of our shopping. As a result, criminals have become increasingly sneaky about their attempts to steal our personal information. As you interact with the web world, here are a few tricky scams to watch out for:

Gift Card Purchases
It seems like a great deal: Web sites that offer the ability to purchase gift cards at a discounted rate. We all want to save a few bucks at our favorite shops and restaurants. But there is often a catch when the gift cards arrive in the mail and they or fraudulent--or even worse, they never arrive at all. Scammers have learned that they can prey on your thriftiness by creating fake bargains, and then leaving you empty-handed. Although it might sound like a bargain, your best bet is to make sure that you are purchasing gift cards first-hand from a business or at trusted retailers like a drug store or book shop.

Buying Coupons
This scam is similar to the offer of fake gift cards. Trying to cash in on tough financial times, many phony Web sites offer to sell bulk coupons for unbelievable discounts. Once again, your credit card gets charged, and you're left with nothing to show for it. If you want to become a smart coupon user, you'd better grab the scissors and cut them out of your Sunday paper.

Paid Job Opportunities
Have you ever heard of a job offer that could help you get rich quick while you sit on your couch? We all have! Many shifty companies will now provide job offers you can't refuse--if you're willing to invest some money upfront in expensive curriculum or training materials. Don't fall for it! An employer should be paying you--not the other way around! If you are looking for job opportunities, make sure you are checking legitimate sources like official Web sites, newspapers, and local job boards.

Senior Financial Scams
Some of the most frustrating and saddening theft attempts are those carried out against senior citizens. Many companies will attempt deceitful phone solicitations or mail campaigns that take advantage of the elderly. Be wary of any organization that attempts to manipulate power of attorney, use caution when suspicious phone calls or mail are received, and check references of all hired help. Senior citizens should be able to make informed financial decisions with the assistance of financial professionals who are trained to recognize scams.

Debt Reduction Opportunities
If you find yourself buried in debt, the offer of debt consolidation might seem like the only way out. The problem is that many companies that recommend these services end up taking advantage of people. If you are working with a debt consolidation or debt reduction agency, make sure that you research their history and ask clear, detailed questions about all fees that might be incurred. You should never have to pay extra money to get out of debt!

If you want a place that can help you recognize and avoid these and other financial scams, it is smart to start with your local credit union staff members. They are trained to recognize deceptive practices and can help you make smart choices with your money. If you live, work, worship or go to school in Delaware County, then WGE Federal Credit Union can help keep your money safe. Call or visit us today for more information!