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Your senior parents are easier to impersonate than you are

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Americans 60 and older filed 201,266 complaints with the FBI’s Internet Crime Complaint Center in 2025 and reported $7.7 billion in losses, the highest total of any age group. The average loss for older victims was nearly $38,500, almost double the figure for younger filers. The Federal Trade Commission’s December 2025 report to Congress estimated that the overall cost of fraud to older adults in 2024 ranged from $10.1 billion to $81.5 billion, depending on how underreporting is measured.

Two decades of breach dumps now sit between your parents and the systems still verifying them by date of birth, mailing address and the last four of a Social Security number. The same fields clear a bank’s call center, and they’re enough to register a Medicare account that your parents haven’t claimed online. Locking those checks down has fallen to the adult children. Most of it is an afternoon’s work.

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YOU HAVE A CREDIT FREEZE. IT STILL ISN’T ENOUGH

Older parents hold accounts at more institutions than their adult children do: banks, brokerages, Medicare, Social Security, pension administrators and mortgage holders. Each has its own verification process. A scammer who clears one of them finds a larger balance waiting on the other side.

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Combined losses reported by older adults who lost more than $100,000 climbed from $55 million in 2020 to $445 million in 2024, an eightfold jump according to the FTC.

AI voice cloning has made phone calls one more verification step a scammer can clear. The FBI counted $893 million in AI-related scam losses in 2025, with victims 60 and over accounting for $352 million. A few seconds of public audio, whether from a voicemail greeting, a church livestream or a TikTok comment, is enough to recreate a grandchild’s voice on a phone call to a parent.

Before you start locking anything down, sit down with your parent and make sure they understand each step. The goal is to help them stay protected, not take control away from them. 

All four steps below run through the credit bureaus, the IRS or USPS. Each is free and takes under fifteen minutes.

A credit freeze blocks new credit applications. An IP PIN blocks fraudulent tax returns. Neither keeps an eye on credit files after the fact, so consider adding credit monitoring for all three bureaus. Alerts can help your family spot suspicious activity faster and decide which account to lock down first.

HOSPICE FRAUD USES STOLEN IDENTITIES FOR FAKE PATIENTS

Pre-register a my Social Security account at ssa.gov in their name. Do the same at MyMedicare.gov if they qualify. Once those accounts exist, no one else can open them using their SSN. State Medicaid portals work the same way.

Also, help them turn on two-factor authentication (2FA) for important accounts and store passwords in a trusted password manager. Reused passwords make it easier for scammers to move from one exposed account to another.

Medicare Summary Notices arrive quarterly when there are covered services. Read each one with your parents for charges they don’t recognize. The Senior Medicare Patrol, a federally funded program in every state, will walk through suspicious billing with families at no charge.

In a Medi-Cal hospice case charged this April in California, prosecutors said operators bought SSNs from breach dumps and enrolled non-California residents as terminally ill hospice patients, then billed the state for visits that never happened. The fraud first appeared in beneficiary statements.

Credit monitoring can also help spot signs that personal information has already surfaced online. Some services scan the dark web, data broker sites and people-search sites for Social Security numbers, addresses, driver’s license numbers and other identifiers. Alerts can show what was found and where, helping you decide which account to lock down first.

None of the protections above stops a phone call. Two small habits can help.

A financial power of attorney signed in advance authorizes an adult child to handle bills, disputes and account changes on a parent’s behalf. With one in hand, the day-one fraud response can run without the parent on every call: pull all three credit reports, file at IdentityTheft.gov, place fraud alerts at each bureau and contact the affected creditor in writing.

Some identity theft protection services also include fraud resolution support. A specialist may help work with credit bureaus, creditors and collection agencies if someone misuses your information. Some plans also include identity theft insurance for eligible recovery costs and family coverage that can extend monitoring and support to parents in another household.

No service prevents every misuse of an older adult’s identity. The settings above shorten the time between when fraud happens and when someone in the family acts on it.

See my tips and best picks on Best Identity Theft Protection at CyberGuy.com.

Your phone holds your email, passwords, photos, banking apps and personal data. In this free, live online class, Kurt the CyberGuy will walk you step by step through simple phone security fixes you can do in real time. You’ll learn how to improve your privacy settings, spot the latest phone scams, use trusted security tools and walk away with a simple checklist to stay protected. Register here: CyberGuyLive.com 

Protecting an older parent’s identity does not require a tech overhaul. It starts with a few smart moves: freeze their credit, claim key government accounts, set up an IRS IP PIN and agree on a family code word for suspicious calls. These steps can make it much harder for scammers to use stolen personal information before anyone notices. The bigger issue is that many systems still rely on information criminals may already have, such as birthdays, addresses and partial Social Security numbers. That puts more pressure on families to act early, monitor accounts and respond fast when something looks wrong. A little preparation now can save your parents from months of stress, financial damage and paperwork later.

Have you or an older loved one dealt with identity theft, Medicare fraud or a suspicious phone call that sounded real?  Let us know by writing to us at CyberGuy.com.

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Obama Calls It QUITS After Wild Video Goes Viral

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Obama Calls It QUITS After Wild Video Goes Viral

Michelle Obama’s voter organization is taking its 2026 midterm strategy straight into the social media feeds of millions of young Americans.

When We All Vote, the initiative founded by the former first lady, has launched a new “Voting Squad” made up of popular social media creators who will use their enormous online audiences to distribute voter-registration information, election deadlines and issue-focused content ahead of the midterms.

It represents a distinctly modern approach to voter outreach: instead of relying primarily on television commercials, political mailers or traditional campaign operations, election messaging will appear alongside the videos and posts millions of young Americans already consume every day.

When We All Vote describes the Voting Squad as a nonpartisan network, with participating creators using their own personalities, voices and established platforms to reach younger voters.

And its potential reach is enormous.

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According to the organization, creators participating in the campaign collectively reach more than 20 million people across social media.

Among them is Brandon Edelman, better known online as Bran Flakezz, whose TikTok following exceeds 1.4 million.

The campaign also includes physician and “medical mythbuster” Joel Bervell, “plant enthusiast” Paige Tailyn and influencer Leon Ondieki, who has approximately 4.5 million TikTok followers.

Rather than asking young voters to seek out election information themselves, the strategy effectively brings that information directly into their existing social-media feeds.

Creators are expected to distribute state-specific election dates and deadlines, explain how issues important to younger voters appear on ballots and direct followers toward fact-checked voting resources.

When We All Vote argues that confusion and a lack of reliable election information remain major obstacles to Gen Z participation.

“At a time when lack of accurate information is one of the main barriers preventing Gen Z from voting, the Voting Squad will serve as trusted messengers to reach and resonate with young voters ahead of the 2026 midterm elections,” the organization said.

The initiative was announced in conjunction with National Voter Registration Day as the political battle for young voters intensifies ahead of November.

Kalisha Dessources Figures, a senior adviser for When We All Vote, made clear that the strategy is designed to insert election information directly into the online environments where younger Americans are already spending their time.

“Registering to vote takes less time than our daily doomscrolls,” Figures said in announcing the campaign.

She said the Voting Squad would bring “hope, community, and reminders of the power of our voices back into our timelines.”

The potential audience is substantial.

When We All Vote estimates that nearly 50 million members of Generation Z will be eligible to vote in the 2026 midterm elections.

That makes the battle for their attention — and ultimately their participation — potentially significant.

The strategy also reflects a major shift in how political and civic organizations attempt to reach younger Americans.

Social-media creators can develop intensely personal relationships with their audiences, often communicating in conversational formats that bear little resemblance to traditional political advertising.

That familiarity can give creators substantial influence with followers who may encounter their content every day.

It also raises the importance of transparency and accuracy when election-related information is mixed into feeds normally filled with entertainment, lifestyle advice and personal content.

When We All Vote identifies itself as a national, nonpartisan initiative focused on increasing voter participation, reducing voting gaps based on age and race, and changing the broader culture surrounding elections.

Obama founded the organization in 2018.

The Voting Squad campaign does not endorse a candidate or political party, according to When We All Vote, and its announced materials focus on voter registration, election deadlines and voting resources.

But the mechanics of the campaign are unmistakably ambitious: put election information in front of millions of young Americans without requiring them to leave the platforms and personalities they already follow.

The organization has been laying the groundwork for a broader Gen Z push throughout 2026.

Its “Pass the Mic to Gen Z” campaign has focused on identifying the issues younger Americans care about and connecting those concerns with civic participation. When We All Vote’s research found that social media plays a major role in Gen Z’s information habits, although traditional news websites and apps remain significant sources as well.

Now the organization is attempting to turn those media habits into real-world political participation.

The central question is whether millions of followers and social-media views will translate into actual registrations — and eventually ballots.

Creators may command enormous audiences, but online reach is not the same thing as voter turnout.

That is what makes the 2026 midterms an important test of the strategy.

Michelle Obama’s organization is betting that some of the most effective messengers for reaching the next generation of voters may not be politicians, campaign advertisements or traditional political organizations at all.

They may be the influencers already appearing on millions of phones every day.

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Ilhan Omar Removal Vote Is In — Decided By Razor Thin Margin

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Ilhan Omar Removal Vote Is In — Decided By Razor Thin Margin

Rep. Ilhan Omar scored a major victory with a congressional ethics watchdog — but the staggering numbers that triggered scrutiny of her finances haven’t simply vanished.

The Office of Congressional Conduct voted 5-1 to recommend dismissing allegations that the Minnesota Democrat filed false or incomplete financial disclosures after a filing dramatically overstated her household wealth.

The controversy began with a disclosure that listed Omar’s household assets at somewhere between $6 million and $30 million.

That was an eye-popping figure compared with previous disclosures showing dramatically smaller holdings, much of them tied to businesses owned by Omar’s husband, former political consultant Tim Mynett.

Then came the correction.

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Omar amended the filing and slashed the couple’s reported assets to between just $18,004 and $95,000 — a massive difference from the original figure that reached as high as $30 million.

Despite the enormous discrepancy, OCC investigators concluded there was insufficient evidence to support allegations that Omar had filed false or incomplete information.

The watchdog said there was not “substantial reason to believe” Omar violated applicable financial-disclosure requirements.

Omar’s office quickly seized on the decision as vindication.

“From day one, we have been clear: the Congresswoman is not a millionaire,” her office said.

“This vote clearly underscores that the Congresswoman did nothing wrong,” the statement continued.

Her office also accused “the far right” of trying to “manufacture controversy” surrounding the disclosure mistake.

But the numbers that launched the controversy were dramatic.

At the center of the questions were businesses controlled by Mynett.

Omar’s 2023 disclosure valued Mynett’s stake in Rose Lake Capital at between $1 and $1,000.

The following filing valued the same Washington-based venture-capital management business at somewhere between $5 million and $25 million.

Mynett’s California winery, eStCru LLC, had previously been valued at between $15,001 and $50,000.

Those dramatic increases caught the attention of House Oversight Chairman James Comer, who demanded financial records from Mynett in February.

Comer’s committee noted that the two businesses appeared to jump from a combined value of no more than roughly $51,000 to potentially $30 million in the span of a year.

The Kentucky Republican raised questions about whether undisclosed investors could potentially use Mynett’s companies to seek influence involving a sitting member of Congress.

Comer demanded records detailing the companies’ finances, investors, ownership interests and the enormous reported increases in value.

“It’s not possible. It’s not. I’m a money guy. It’s not possible,” Comer said about the increase.

Omar’s office has consistently maintained that the extraordinary figures were the result of accounting mistakes — not hidden wealth or misconduct.

Her representatives said the original filing relied on incomplete information and reported business assets without properly accounting for liabilities.

Once those liabilities were included, both of Mynett’s businesses were listed as having no net value on Omar’s amended filing.

But the corrected disclosure still reported between $102,502 and $1,005,000 in income from the businesses during 2024.

The winery generated another $2,501 to $5,000, according to the corrected disclosure.

Omar’s attorney told investigators that members of Congress routinely rely on accountants and other professionals when preparing required financial disclosures.

The attorney insisted “there is nothing untoward, and nothing illegal has occurred” regarding the mistake.

Omar has also repeatedly rejected claims that she possesses substantial personal wealth, previously saying she “barely have thousands let alone millions.”

Her newest disclosure paints a financial picture far removed from the multimillion-dollar numbers that initially set off alarms.

That report lists household assets of roughly $20,000 to $125,000, along with student-loan and credit-card debt.

Omar reported between $15,001 and $50,000 in student debt, while Mynett reported credit-card liabilities within a similar range.

The OCC’s decision is significant: its board voted 5-1 to recommend that the House Ethics Committee dismiss this particular financial-disclosure allegation.

But the recommendation addresses this specific ethics allegation. It does not change the fact that the original filing contained valuations Omar later acknowledged were incorrect, nor does it itself resolve separate questions raised by the Republican-led House Oversight Committee.

The Office of Congressional Conduct serves as an independent congressional watchdog, reviewing misconduct allegations and determining whether matters warrant further consideration by the House Ethics Committee.

In Omar’s case, investigators ultimately determined there was not sufficient reason to believe she violated financial-disclosure requirements.

That gives Omar and her allies substantial grounds to push back against accusations that the filing discrepancy amounted to misconduct.

Republicans, meanwhile, continue pointing to the sheer size of the correction and arguing that lawmakers bear responsibility for the financial disclosures they certify.

The broader scrutiny has also unfolded alongside investigations into social-services fraud in Minnesota. The House Oversight inquiry referenced that wider controversy, but its letter did not establish that Omar herself participated in fraud.

For Omar, the watchdog recommendation is a clear political victory in this particular ethics fight.

For her critics, however, one question remains at the center of the controversy: How did a congressional financial disclosure go from reporting household assets potentially worth $30 million to less than $100,000?

Omar’s explanation is that accounting errors produced the inflated figures. The congressional watchdog found insufficient evidence to conclude that she violated disclosure rules.

The House Ethics Committee will determine what happens with the OCC recommendation, while Republican lawmakers continue pressing for answers about the financial numbers that sparked the scrutiny in the first place.

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FINALLY! Americans Get Some MUCH Needed Good News

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FINALLY! Americans Get Some MUCH Needed Good News

Oil prices took a sharp turn Monday, tumbling to their lowest levels in 11 days as traders reacted to signs of possible diplomatic movement between the United States and Iran — while Saudi Arabia finds new ways to keep massive amounts of crude flowing despite mounting turmoil across the Middle East.

Brent crude for November plunged $2.69, or 2.6%, to $101.18 a barrel by 12:54 p.m. GMT after briefly touching its lowest level since September 10.

U.S. crude fell even harder.

West Texas Intermediate’s October contract, which expires Tuesday, dropped $2.69, or 2.7%, to $97.61 a barrel. The November WTI contract stood at $93.49.

The sudden retreat came despite continued fighting across the Middle East and another exchange of threats between Washington and Tehran over the weekend.

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But markets received a potentially significant signal Sunday.

President Donald Trump said he would be open to meeting Iranian President Masoud Pezeshkian, who is expected to travel to New York for this week’s United Nations General Assembly.

Iran has also reportedly conveyed conditions to mediators for potentially reopening negotiations, according to a report citing Iranian security chief Mohsen Rezaei.

Those signals raised the possibility of renewed talks between Washington and Tehran, reducing some of the immediate fears that further escalation could threaten global energy supplies.

But on the ground, the situation remains volatile.

Iran-backed Houthi forces in Yemen said they attacked Riyadh and a Saudi Aramco facility in the Red Sea city of Yanbu while continuing efforts to expand their control in Yemen.

China has also pressed Iran to help restrain the Houthis following an appeal from Saudi Arabia, according to sources familiar with the discussions.

Meanwhile, Saudi Arabia is making major adjustments to keep its oil moving.

Attacks disrupted the kingdom’s East-West pipeline and complicated shipments through Yanbu, but Saudi Aramco has responded by increasing exports through the Strait of Hormuz this month and next.

That shift appears to be having a significant impact on global supply concerns.

“Middle East oil flows remain surprisingly strong despite the disruption to Saudi Arabia’s East-West pipeline,” JPMorgan analysts said in a September 18 note.

The numbers behind the shift are dramatic.

“The most notable pivot has come from Saudi Arabia,” the analysts said, as satellite data indicated Saudi oil moving through the Strait of Hormuz averaged 2.9 million barrels per day over the previous six days.

In August, that figure had been just 700,000 barrels per day.

That massive increase has helped ease immediate fears that the escalating conflict could trigger a much more serious supply crunch.

Oil producers are also increasingly turning to ship-to-ship transfers near Oman to keep crude moving through the region.

Those workarounds have helped prevent a more severe disruption in global supplies, but they aren’t coming cheaply.

Shipping costs have surged as tankers navigate increasingly complicated and potentially dangerous routes.

There are supply concerns elsewhere as well.

Libya’s National Oil Corporation said production at the country’s Sharara oilfield had been partially reduced, although officials did not provide a reason for the reduction.

Monday’s selloff leaves Brent hovering just above the closely watched $100-per-barrel threshold after prices surged above $108 last week.

That puts global oil markets at a critical point.

On one side, continued fighting, attacks on energy infrastructure and disrupted shipping routes are keeping geopolitical risk elevated.

On the other, Saudi Arabia’s ability to reroute enormous quantities of crude — combined with the possibility of renewed diplomacy between Washington and Tehran — is easing fears of an immediate supply shock.

Now traders are turning their attention to New York.

This week’s United Nations meetings could provide the next major signal about whether Washington and Tehran are moving toward negotiations or whether tensions will escalate again.

At the same time, Saudi Arabia is racing to keep crude flowing through one of the world’s most strategically important — and increasingly volatile — energy corridors.

With Brent sitting barely above $100, either development could quickly send oil markets moving again.

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