Me pēhea te kite i ngā tinihanga i ngā pae dating: He aratohu mō ngā kaumātua

Ina tīmata koe ki te whakaipoipo ipurangi i muri i te 50 tau, i tua atu i te whakaaro me pēhea te whakamīharo i a koe, te kimi hoa pai, me te hanga hononga, tera atu tētahi atu āwangawanga nui me whakarite e koe: ngā tinihanga whakaipoipo ipurangi. Ahakoa kāore e taea te whakakore he huarahi whakahihiri, whai hua hoki te whakaipoipo ipurangi ki te kimi hoa i muri mai i te ao - koia te take E 60% o ngā pakeke takakau kua whakaaro ki te whakamahi i ngā pae whakaipoipo ki te tūtaki ki te tangata—me utu tō haumaru mō tēnei haerenga. 

Engari, i tua atu i ngā tāngata takitahi pono katoa, kei reira anō ngā kaipahua e whanga ana i runga i ngā papaaho whakaipoipo, e rite ana ki te whai i te hunga e rapu ana i te hoa. Hei āwhina i a koe ki te wehewehe i waenga i te tangata pono e rapu ana i te hononga me te kaipahua e tatari ana ki te whakamahi i tō ngoikoretanga hei painga mō rātou, kua kohikohia e mātou tēnei aratohu mō ngā mea katoa e hiahia ana koe ki te mōhio kia noho haumaru ai koe i te wā e whakaipoipo ana i runga ipurangi. 

Te Tauine o te Raru

Ehara i te mea he raruraru iti noa iho ngā tinihanga aroha ipurangi – he raruraru nui kua tino pā mai i ngā tau tata nei, ā, kua nui te moni me te mamae o te ngākau o Amerika, inā koa ngā kaumātua. He pēhea te whānui o ēnei tinihanga? Whakaarohia ēnei tatauranga whakamiharo:

• Ko ngā mahi tinihanga aroha kei te tihi o ngā tūtohi mō ngā mate tinihanga: He nui ake ngā mate moni i puta mai i ngā mahi tinihanga aroha i ngā momo tinihanga kaihoko katoa i tukuna ki te FTC i ngā tau tata nei. E ai ki te Federal Trade Commission (FTC), i kōrerotia e te iwi te ngaronga o te $547 miriona ki ngā mahi tinihanga aroha i te tau 2021—he pikinga 80% i tērā tau. Kātahi ka tae ki te tau 2022, tata ki te 70,000 o ngā Amerikana i kōrerotia ngā mahi tinihanga aroha me te tapeke o ngā mate i eke ki te $1.3 piriona whakamiharo​
• He tino arohia ngā kaumātua: He maha ngā wā ka pāngia ngā kaumātua e te nui o ēnei mate. Hei tauira, i te tau 2019, ko te toharite o te $10,000 i ngaro i ngā tāngata neke atu i te 70 tau te pakeke neke atu rānei i ia ki ngā mahi tinihanga aroha—he nui ake i ngā patunga taitamariki. Ā, i te tau 2022, ko te I whiwhi pūrongo te FBI mai i te 7,166 ngā tāngata i pāngia e te tinihanga whakawhirinaki/aroha i te tau 60 neke atu rānei, ā, tata ki te $419 miriona te nui o ā rātou moni i ngaro i ngā mahi tinihanga whakawhirinaki/aroha. Ko te tikanga, tata ki te hautoru o ngā mate katoa i pāngia e te tinihanga aroha i taua tau, ko ngā kaumātua te hunga i ngaro. tatauranga e tohu ana, tata ki te 6,000 ngā kaumātua i ngaro i te $100,000 ia tangata i roto i ēnei momo tinihanga i te tau 2023.
• Kua tino piki haere te raruraru: I ētahi tau kua pahure ake nei, he iti iho ngā mate. I te tau 2018, ngā ngaronga tinihanga aroha i pūrongohia tata ki te $143 miriona. I te tau 2022, kua piki haere taua nama ki $1.3 piriona—tata ki te 10 ngā wā pikinga. E ai ki ngā raraunga a te FTC, kua pūrongohia ngā mate i puta mai i ngā mahi tinihanga aroha i te US (2018–2023). I piki ake ngā mate mai i te $143 miriona i te tau 2018 ki te $1.3 piriona i te tau 2022, i mua i te hekenga paku ki te $1.1 piriona i te tau 2023.

He mea nui kia mōhiotia ko ēnei tatauranga pea kāore i te tino tika te tauine tuturu. Tata ki te haurua noa iho o ngā tāngata i pāngia i ripoata i te hara, e ai ki tēnei Pūrongo AARP, he maha ngā wā nā te whakama, nā te kore rānei i te mōhio ki hea hei ripoata. Nō reira, tera pea ka nui ake ngā mate tūturu. Kua whakatūria e ngā tari whakahaere ture pērā i te FBI he Raina Waea Tinihanga Kaumātua (833-372-8311) hei āwhina i ngā kaumātua kua pāngia ki te ripoata i ngā tinihanga, e whakaatu ana i te whānui o te take.

Kei muri i ēnei tatauranga ko ngā tāngata tūturu kua tukinotia ō rātou whakawhirinaki me ō rātou ngākau. E mōhio ana ngā kaipahua he penapena reti, he rawa rānei ā ngā kaumātua, ā, he mea e ātaahua ai rātou ki te whai. Ka whakamahia e rātou te meka he maha ngā kaumātua e rapu hoa ana, ā, he tino whakawhirinaki, he atawhai hoki ki tētahi e whakapono ana rātou e manaaki ana i a rātou. Haunga te mate pūtea, ka tino kino te pānga o te kare ā-roto. He maha ngā wā ka whakama, ka pouri, ka mataku hoki ngā tāngata i pāngia ki te whakamātau anō ki te whakaipoipo.

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Ngā Tinihanga Teití Tino Noa e Whai Ana i te Hunga Kaumātua

Kua piki haere te auaha me te matatau o ngā mahi tinihanga whakaipoipo ipurangi i roto i ngā tau. Heoi anō, kei te puta tonu mai ētahi tinihanga whakaipoipo ipurangi e aro ana ki ngā kaumātua. He maha ngā āhua o te aro ki ngā kaumātua, engari kei te puta anō ētahi kōrero noa. He maha ngā wā ka tito ngā kaipahua i ngā tuakiri matatini me ngā kōrero tangi hei whiwhi i tō whakawhirinaki, i tō aroha, ā, i te mutunga iho, i tō moni. Anei tētahi tirohanga poto mō ngā tinihanga tino noa i runga i ngā pae whakaipoipo: 

E kite ana koe, he tino ōrite ngā kaupapa: he maha ngā take kua hangaia mō te kore e taea te tūtaki kanohi ki te kanohi pērā i te noho ki tāwāhi mō te ope taua, mō te mahi rānei, mō tētahi āhuatanga ohorere, mō tētahi whai wāhitanga rānei e hiahia ana ki te moni, me te nui o te aroha me te kōrero mō te heke mai hei whakaiti i tō tūpato. Nā, me tūhura tātou me pēhea te puta o ēnei kōrero tinihanga whakaipoipo i te ao tūturu: 

1. Ngā tinihanga aroha—Ka tinihanga te hoa aroha

Koinei te tinihanga aroha tawhito: ka hangaia e te tangata he āhua rūpahu i runga i tētahi pae whakaipoipo, i tētahi pāpāho pāpori rānei, ā, ka whakatupu hononga ipurangi ki a koe, i ētahi wā mō ngā wiki, mō ngā marama rānei. Ka ringihia e rātou te aroha, ngā karere reka, tae atu ki ngā ingoa mōkai ki a koe. Ka karanga pea rātou i a koe ko tō rātou hoa wairua, ka kōrero mō te heke mai tahi, me te neke whakamua i te tere e ahua tere rawa ana. Ko ēnei katoa he mea hei mea kia arohaina koe, kia motuhake hoki, engari he mahi tinihanga kare ā-roto. Kia uru atu koe ki te kare ā-roto, ka tīmata rātou ki te hanga raruraru, ki ngā hiahia rānei e hiahia ana ki tō āwhina pūtea. Ngā tohu whakatūpato noa o te tinihanga whakaipoipo ipurangi mō ngā kaumātua:

Te pānui e pā ana: Me pēhea te tinihanga i tētahi tangata tinihanga aroha

• Ka hohoro te aroha: Ka whakapuaki te tangata tinihanga i ōna kare ā-roto kaha i roto i ngā rā, i ngā wiki ruarua rānei o te kōrerorero. Hei tauira, ka kī pea rātou ko koe te aroha o tōna ao, ā, ka kōrero pea rātou mō te marena i mua i te tūtaki kanohi ki te kanohi. He mea whakamīharo engari he mea koretake hoki. "te poma aroha"koe."
• Kāore e taea e rātou te tūtaki kanohi ki te kanohi ki a koe. Ahakoa he torutoru noa ngā haora e noho tahi ana kōrua, ka kitea tonutia he take e kore ai e taea e rātou te kōrero ataata, te haere rānei ki te kite i a koe. Tērā pea ka tukuna mai e rātou ētahi whakaahua (i tahaetia mai i ngā pāpāho pāpori a tētahi atu), engari kāore e puta ora mai i mua i te kāmera. He maha ngā wā ka kī rātou kei te mahi rātou i tāwāhi—ko ngā kaikōrero rongonui kei te tū ki tētahi turanga hōia tawhiti, kei te mahi i tētahi papa hinu i tai, kei te mahi kirimana rānei i tāwāhi. Mā tēnei ka whai take rātou ki te karo i ngā tūtakitanga tinana. 
• Ka pā mai he "āhua ohorere". Kia whakaaro te kaipahua kua nui tō aroha, ka tīmata ngā pātai. Ka titohia e rātou ētahi kōrero akiaki, he maha ngā wā ka mamae te ngākau. Hei tauira, ka mea pea tō "hoa", "E ai ki taku tākuta me mahi he pokanga utu nui, ā, kāore e taea e taku inihua te utu," me "I tahaetia ahau. Kei te noho pōrearea ahau i tētahi whenua ke, kāore he moni." Ko ēnei tono he mea hanga hei whakaoho i a koe kia mataku, kia hiahia ai hoki koe ki te whakaora i tō hoa aroha ipurangi.

Hei te mutunga, ka tono tika, ka tono ā-kore rānei te kaipahua i te āwhina pūtea. Tērā pea ka tono koe kia whakawhiti moni koe ki tētahi pūkete, kia tukuna he kāri koha, kia hokona rānei he moni matihiko mā rātou. Nga tangata tinihanga Romance He maha ngā wā e pai ake ana ki ngā tikanga pēnei i ngā whakawhiti waea me ngā kāri koha nā te mea he uaua ki te whai me te kore e taea te whakakore. I ētahi wā ka tono rātou mō ngā "nama rangitahi" iti i te tuatahi, kātahi ka tono mō ngā "nama nui ake". Tērā pea ka tono rātou kia whakatuwherahia e koe he kāri nama hou, he pūkete peeke rānei mā rātou, ka taea ai e tēnei te whakauru i a koe ki te tinihanga. Ko tētahi o ngā huarahi pai hei tiaki i a koe mai i ngā tinihanga o ngā pae whakaipoipo ko te mahara: ki te tono moni mai tētahi kāore anō kia tūtaki ki a koe, he haki whero nui tēnā.

Ka roa hoki ngā mahi tinihanga aroha. Ka whakapā atu ētahi o ngā tāngata ki tā rātou kaipahua mō ngā marama, mō ngā tau rānei, me te tuku moni tonu mō tētahi raruraru rūpahu i muri i tētahi. He take tonu tā te kaipahua e hiahia ana rātou kia nui ake: "Ka utua e au a koe ina whiwhi ahau i taku pōnahi," "Āwhina mai i ahau mō te wā whakamutunga kia taea ai e au te hoki ki te kāinga ki a koe," me ērā atu mea. 

2. Ngā tinihanga aroha hōia

Ko tētahi momo tinihanga aroha e tino kitea ana ko te tinihanga "hōia aroha". I tēnei horopaki, ka kī te tangata e tūtaki ana koe i runga ipurangi he mema ia nō te ope taua o Amerika, kua tukuna ki tāwāhi. Tērā pea he ingoa kōtaha tōna pērā i a "ArmyGuyMike" "NavyOfficerJohn" rānei, ā, ka whakamahia pea he whakaahua i roto i te kākahu hōia.

He aha ngā kaipahua e whakaari ana i a rātou anō he hōia? Nā te mea ka whiwhi tonu i te whakawhirinaki me te aroha. He maha ngā kaumātua e aroha whenua ana, he whānau rānei ō rātou i mahi, nō reira ka rongo rātou i te hononga me te whakaute mō tētahi mema hōia. Hei tāpiri, ko te haereere i te ope taua he whakamārama ngāwari he aha te take kāore e taea e te tangata te tūtaki kanohi ki te kanohi, ā, tera pea he wā rerekē mō te whakawhitiwhiti kōrero. Ko ētahi o ngā tohu whero o te tinihanga aroha hōia ko:

• Ka ngana tere te "hōia" ki te neke i ngā whakawhitiwhiti kōrero mai i te pae whakaipoipo mana ki te īmēra tūmataiti, ki te karere rānei. Ka mahia tēnei kia kore ai e taea e te pae whakaipoipo te aroturuki i ā rātou kōrerorero, te kati rānei i a rātou mō ngā mahi whakapae.
• He maha ā rātou kōrero he pouaru rātou, he papa takitahi/he māmā i mate tana hoa rangatira, he mea e tino pārekareka ana ki te ngākau
• Ka tukuna e rātou ngā whakaahua i roto i te kākahu hōia e āhua ngaio ana nā te mea i tangohia mai i ngā pāpāho pāpori a tētahi mema hōia tūturu, i tētahi pae tūmatanui rānei.
• I muri i tētahi wā kōrero reka, ka tīmata rātou ki te tohu i ngā hiahia moni. Ko ngā mahi tinihanga noa ko: "E hiahia ana ahau ki te tango hararei ki te toro atu ki a koe, engari kāore te Ope Taua e utu mō taku rerenga. Ka taea e koe te tuku moni mai mō tētahi tīkiti rererangi?" "Kua whakaroahia ngā putea kai a tā mātou ope, me $500 taku hei hoko taonga, ki te kore ka raru ahau." FAKATOKANGA: Kāore te ope taua o Amerika e tono ana i ngā mema o te ope taua kia utu mō ā rātou ake haerenga ki te kāinga, mō ngā taonga rānei.

Ki te mea he hōia ia, ā, ka tono moni mai i a koe mō tētahi take, ehara i te mea tika. He whatunga tautoko me ngā utu ā ngā mema hōia tūturu, ā, kāore e hiahiatia kia whakapā atu ki ngā tāngata tauhou i runga ipurangi mō te moni. He whakatūpato tonu te US Army Criminal Investigation Division kāore e whakaaetia ngā kaimahi o te Ope Taua ki te tono moni mai i te marea mō ngā āhuatanga ohorere, mō ngā haerenga rānei. Nō reira, ki te tūtaki koe ki tēnei āhuatanga, he tino tinihanga, ehara i te Kāpene Charming.

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3. Ngā tinihanga tuku iho me ngā rota

I roto i tētahi tinihanga tuku iho, ka titoa e te kaipahua tētahi kōrero mō tētahi moni nui ka riro i a rātou, i a koe rānei, mēnā ka utua tuatahitia ētahi utu. Hei tinihanga whakaipoipo ipurangi, ka taea ēnei te puta i roto i ētahi huarahi:

• "Āwhina mai ki te wetewete i taku taonga tuku iho": E kī ana te kaipahua ka riro i a rātou he moni nui, he taonga rānei, heoi, nā tetahi take tari, nā tetahi whakaritenga ture o tāwāhi rānei, kāore e taea e rātou te uru atu ki ngā moni. Tērā pea ka kī rātou kei roto te taonga tuku iho i te whakawā, i tētahi pūkete tāwāhi rānei e hiahia ana kia utua ngā taake, ngā utu ture rānei. Kātahi ka puta te pātai: "Ina utua e au te $5,000 hei utu, ka taea e au te whiwhi i te taonga tuku iho. Kāore au e pai ki te tono, engari me tuku mai e koe te moni ki ahau? Ka utua e au ina whiwhi ahau i ngā moni. Whakaarohia te oranga ka taea e tāua te noho tahi." Ae, ehara te taonga tuku iho i te mea tūturu, ā, ki te utu koe, ka puta mai te kaipahua me tētahi atu utu, ka ngaro noa atu rānei. He momo tinihanga utu-mua tēnei e mōhiotia whānuitia ana, e whakakakahu ana i te aroha.
• "Kua toa koe i tētahi taonga!" I ētahi atu wā, ka kī atu pea te kaipahua ka whiwhi koe i te moni, i te taonga rānei. Tērā pea ka kī rātou kua whakaurua koe ki tētahi rota, ki tētahi whakataetae rānei i tāwāhi, ā, i toa koe. Engari hei kohi i ngā wikitoria, me utu e koe he utu tukatuka, he taake rānei i mua. Koinei te whakatakotoranga tinihanga rota tawhito. I ētahi wā, ko te tirohanga a te kaipahua aroha ko tā rātou hiahia ki te tohatoha i tētahi taonga ki a koe hei hoa, ki te hiahia rānei rātou ki te tuku atu i tētahi koha nui ki a koe, engari me utu e koe ngā utu tikanga. Ina kī mai tētahi me utu koe i te moni hei whiwhi i te moni nui ake, he tinihanga tēnā. Ka tangohia e ngā rota tika ngā taake mai i ngā wikitoria; kāore koe e utu i a rātou mai i te pēke hei kereme i tētahi taonga.
• Ngā tinihanga mōkihi/tukunga: Ko tētahi atu mahi tinihanga ko te kī a te kaipahua kua ngana rātou ki te tuku atu i tētahi koha tino motuhake (he utu nui hoki) ki a koe pērā i ngā whakapaipai, i ngā hikohiko rānei, engari kua mau te kete ki te tari tāke. Kātahi ka tono atu rātou kia utua e koe te utu whakawātea tari tāke, te utu inihua rānei hei tuku i te kete. He mea noa tēnei whakapae "tuku nui", e ai ki te FTC, e 18% pea o ngā mahi tinihanga aroha kua pūrongohia. Kāore he mōkihi; ko tā te kaipahua anake e hiahia ana.

4. Tautoko hangarau, tinihanga "whakatikatika" rānei

Ehara i te mea ko ngā mahi tinihanga katoa i runga i ngā pae whakaipoipo he mea e ahu mai ana i te aroha. I ētahi wā ka aro atu ngā kaipahua ki ngā kaumātua i runga i ngā papa whakaipoipo mō ētahi atu mahi tinihanga, pērā i ngā mahi tinihanga tautoko hangarau, ka taea te taupatupatu ki ngā mahi tinihanga aroha. Anei te āhua o tēnei:

• Te tangata tinihanga e whakaari ana i a ia hei tautoko hangarau: Tērā pea ka whiwhi karere koe mai i tētahi tangata kāore e ngana ana ki te whakawai i a koe i runga i te aroha, engari e kī ana ia he "kaiwhakahaere" he māngai tautoko rānei nō te pae whakaipoipo. Tērā pea ka kī rātou he raruraru kei tō pūkete, kua toa rānei koe i tētahi ohaurunga moni kore utu, kātahi ka tono mō ō taipitopito takiuru, ō taipitopito kāri nama rānei hei "whakatika" i te raruraru, hei tukatuka rānei i tō taonga kore utu. Ko te mea pono, kei te ngana noa rātou ki te tahae i ō kupuhipa, i ō mōhiohio pūtea rānei. Kāore he kaiwhakahaere pae whakaipoipo tika e tono mō tō kupuhipa mā te kōrerorero, e tono rānei kia tangohia e koe he pūmanawa. Mēnā ka whiwhi koe i ngā karere pēnei, me ripoata ki te pae.
• Ka huri te tinihanga aroha hei tinihanga tautoko hangarau: I ētahi wā, ka whakamātau pea tētahi hoa aroha ipurangi i tētahi tinihanga tuarua ina whakawhirinaki koe ki a rātou. Hei tauira, ka kī pea rātou ka taea e rātou te āwhina i a koe ki te "whakamarumaru i tō rorohiko" waea atamai rānei kia taea ai e koe te kōrero haumaru ake. Ka tohutohu rātou i a koe ki te tāuta i tētahi kaupapa, taupānga rānei. Tērā pea he taputapu urunga mamao taua kaupapa e hoatu ana ki a rātou te mana whakahaere o tō pūrere. Kātahi ka taea e rātou te tahae i ngā raraunga tairongo, te tāuta rānei i ngā pūmanawa kino/pūmanawa utu. Kaua rawa e tāuta i ngā pūmanawa, i ngā taupānga rānei i runga i te akiaki a tētahi i tūtaki koe ki te ipurangi ki te kore koe e tino whakamana he tika. Ka kī pea ngā kaipahua, "Tikiake i tēnei taupānga kōrerorero ataata kia taea ai e tāua te kōrero," engari ki te kore e rongonui te taupānga, kia tūpato.
• Ngā tinihanga kua whakaritea: Ka taea hoki e ngā kaipahua whakaipoipo ipurangi te tohatoha i ngā kōrero mō ngā tāngata i pāngia. Mena kua uru koe ki tētahi kaipahua aroha, tera pea ētahi atu kaipahua e whai ana i a koe mō ngā mahi rerekē, pērā i te tinihanga tautoko hangarau, nā te mea e mōhio ana rātou he kaumātua koe e ipurangi ana. Tērā pea ka whiwhi koe i ngā waea matapōkere, i ngā īmēra rānei e kī ana he tautoko Microsoft, Apple rānei koe, e kī ana he huaketo tō rorohiko, ā, me utu koe i a rātou hei whakatika. Ahakoa kāore tēnei e pā tika ana ki te whakaipoipo, he wāhanga tēnei o te pūnaha tinihanga e whai ana i ngā kaumātua. Kia tūpato tonu ki ngā whakawhitiwhiti kōrero tautoko hangarau kāore i tonoa. Kāore ngā kamupene tūturu e waea mai i te rangirua, e tono utu mō ngā take hangarau kāore koe i ripoata.

Hei whakarāpopototanga, kia tūpato ki te tangata e tono ana kia whakakitea e koe ō kupuhipa, kia tukuna mai he urunga mamao ki tō pūrere, kia tukuna mai rānei he moni hei āwhina hangarau. Ka whakamahia e ngā kaipahua te mataku kei "he hē" tō pūkete, tō pūrere rānei, hei tinihanga i a koe kia tere ai te mahi. Ki te ngana tētahi ki te whai i a koe i tētahi ara ōrite, manawa hōhonu, kaua hoki e tukua kia akiakihia koe e tetahi ki te mahi i tētahi mea i runga i tō rorohiko, i tō waea rānei.

Te pānui e pā ana: 10 Ngā Pae Teití Haumaru Pai rawa atu mō te hunga neke atu i te 50 tau te pakeke | 2025

5. Ētahi atu tinihanga noa i ngā pae whakaipoipo

He pono kei reira ētahi atu tinihanga, ā, kei te puta tonu mai ētahi mea hou. Anei ētahi atu tinihanga noa i runga i ngā pae whakaipoipo me tūpato koe ki: 

• Ngā tinihanga aroha "Haumitanga Crypto": Ko tētahi ia o ngā mahi e tipu haere ana ko ngā kaipahua e aroha ana ki a koe, kātahi ka whakatenatena i a koe ki te haumi ki tētahi haumitanga "tino pono", he moni matihiko, he moni ke rānei, i raro i te āhua o te āwhina i a koe ki te whakapūmau i tō kōrua heke mai pūtea. I ētahi wā ka kiia tēnei ko te "patunga poaka" - ka whakamomona koe i a koe ki te aroha, kātahi ka ārahi i a koe ki te patu moni. Tērā pea ka whakaaturia e rātou ki a koe ngā whakaahua rūpahu o ngā hokinga nui, ā, ka ārahi i a koe ki tētahi paetukutuku haumi rūpahu, ki tētahi taupānga rānei. Ka tāpui moni koe (he maha ngā tekau mano), ka kite koe i te tipu rūpahu, ā, i te wā e ngana ana koe ki te tango moni ka mōhio koe he tinihanga. He maha ngā tāngata i pāngia i roto i ō rātou tau 50, 60, me tua atu kua ngaro ā rātou penapena reti i tēnei ara. Mēnā he tino hiahia tētahi tangata aroha ki te āwhina i a koe ki te whiwhi moni mā tētahi kaupapa haumi e mōhio ana rātou, kia tino tupato. Kāore ngā hoa tika e akiaki i a koe ki ngā haumitanga uaua, inā koa i te tīmatanga o te whanaungatanga.
• Ngā tinihanga mō te moepuku: I ētahi wā ka huri te tangata tinihanga aroha ki te pahua mena he rauemi tinihanga ā rātou, ā, kāore hoki ngā kaumātua e ārai i tēnei. Koinei te wā e whakatenatena ana tetahi i a koe kia mahi tohaina ngā whakaahua piripono rānei ka uru atu ki te kōrerorero ataata moepuku, kātahi ka whakawehi ki te tuku i ngā rekoata, i ngā whakaahua rānei ki tō whānau/hoa mēnā kāore koe e utu i a rātou. Kia tūpato tonu ki ngā mea e tohaina ana e koe. Ahakoa kei te whakaaro koe kei te aroha koe, kia mōhio rā anō koe ki tētahi, karohia te tuku i ngā whakaahua/ataata tairongo. Ki te ngana tētahi ki te tango moni mai i a koe, kaua e utu - he maha ngā wā ka akiaki noa i ngā tono. Engari, kati te whakawhitiwhiti kōrero, ka rapu āwhina mai i ngā mana whakahaere.
• Ngā tono a te muera moni: Kāore pea te kaipahua e tono moni mai i a koe, engari ka ngana ki te whakamahi i a koe hei huarahi mō ā rātou moni, he mea tahaetia i te nuinga o te wā. Hei tauira, ka mea pea rātou, "Kei te tumanako ahau ki te utu mai i taku kamupene, engari kāore e taea e au te whakamahi i taku pūkete i a au e noho ana i tāwāhi. Ka taea e koe te tiki i te moni tāpui ka tukuna mai ki ahau?" Ka tukuna atu pea e rātou he haki tinihanga, he whakawhiti rānei, ka tāpui koe, kātahi ka tono kia tukuna atu e koe ngā moni ki tētahi atu pūkete (mā te pūkete rānei). Ā muri ake nei, ka huri te utu taketake i riro i a koe hei rūpahu, ā, kei te mau koe i te moni i tukuna e koe.

Te pānui e pā ana: Te Tikanga Whakakorikori: He Mea Tuturu, He Tinihanga Anō Rānei?

Ngā Tohu Whakatūpato mō te Tinihanga Teití Ipurangi mō ngā Kaumātua

He mea nui kia whai ngā kaipahua i ngā tauira e taea te matapae, he rongo pai tēnei māu nā te mea mā te mōhio ki ēnei tauira ka taea e koe te kite i ngā mahi tinihanga i runga ipurangi me te karo, me te arotahi anō hoki i ō kaha ki ngā hononga pono. Anei ētahi tohu whakatūpato nui o te tinihanga i runga ipurangi mō ngā kaumātua:

• Ka tere tonu tā rātou whakapuaki i te aroha, i te aroha nui rānei: Tērā pea ka tīmata rātou ki te karanga i a koe "e taku aroha" me te kōrero rānei mō te heke mai tahi i roto i ngā rā o te whakapā tuatahi. te aroha i te kitenga tuatahi He rautaki te mahinga o ia rā hei whakatere i tō whakawhirinaki. He roa te wā e whanake ai ngā whanaungatanga tūturu
• Te āhua nei he "tino tika" rawa tā rātou kōtaha, he rerekē rānei tā rātou kōrero: Tērā pea he rite ā rātou whakaahua ki tā te tauira, ki tā te kaiwhakaari rānei. Tērā pea e kī ana rātou he mahi whakamiharo tā rātou. Engari kāore tetahi mea e tika ana, tērā pea he iti iho ō rātou pūkenga kōrero i te mea he tangata mātau rawa, he koretake rānei ā rātou kōrero mō ngā āhuatanga o tō rātou ao. Ki te mea he pai rawa atu ki te whakapono, he tino hē pea.
• Ka pana rātou kia nekehia te kōrero mai i te tūāpapa. He maha ngā wā ka tono ngā kaipahua i tō nama waea, īmēra, WhatsApp rānei i muri tata mai i te taurite. Tērā pea ka mea rātou "Kāore au e tirotiro pinepine i ngā karere ki konei, me kōrero tāua mā te īmēra/karere kuputuhi." He kaiwhakahaere me te kimi tinihanga kei ngā pae whakaipoipo, nō reira kei te hiahia ngā kaipahua ki te kawe i a koe ki ngā hongere kāore i te aroturukitia.
• Kāore rātou e kōrerorero ataata, e tūtaki kanohi ki te kanohi rānei: Ki te whakaaro koe kia waea ataata, ka whai take rātou: he pakaru te kāmera, he raruraru te whānui o te hononga, he tino māia. Ki te whakaaro koe kia tūtaki kanohi ki te kanohi, kei tāwāhi tonu rātou, kei te pukumahi rānei. He tohu whakatūpato nui te kore e tūtaki, e kōrero ataata rānei. Tērā pea ka taea e ētahi kaipahua matatau te waea ataata poto ki a koe engari he maha ngā wā he ngoikore te hononga, he huna rānei te ataata.
• E kī ana rātou kei te haereere, kei te mahi rānei ki tāwāhi: Tērā pea ka mea te tangata tinihanga aroha nō Amerika rātou (nō tō whenua ake rānei) engari kei tāwāhi rātou mō te mahi, mō te ope taua rānei. Mā tēnei ka tawhiti atu rātou i te taha tinana. Ahakoa he pono kei te haere ētahi tāngata tūturu mō te mahi, kia tūpato mēnā ka tūtaki rātou ki tētahi arai whenua. He nui te ōrau o ngā tinihanga kua pūrongohia e pā ana ki tētahi tangata nō waho o te whenua.
• Ngā tauira wetereo, ngā tauira whakawhitiwhiti kōrero rerekē rānei: He maha ngā kaipahua aroha e mahi ana i tāwāhi, nō reira, he rerekē pea te āhua o tā rātou kōrero i tā te tangata whenua. Mena he rerekē ngā kupu i roto i ngā karere a te tangata, he maha ngā hapa tuhituhi, he whakamahinga hē rānei o te reo Pākehā, he tohu tēnā. Heoi anō, he tino pai te reo Pākehā a ētahi kaipahua, nō reira kaua e whakawhirinaki ki tēnei anake.
• He kōrero ohorere, he kōrero tangi rānei tā rātou e hiahia ana ki tō āwhina: He tohu nui tēnei mēnā ka puta i roto i ētahi wiki, i ētahi marama rānei i muri i te mōhio ki a rātou. Ko ngā mahanga noa ko te raruraru hauora ohorere, te tahae, te aukati i te pūkete putea, te noho ki tāwāhi, te tamaiti e mate ana, ā, ka arahina tonutia te tangata ki te rapu i tō āwhina pūtea. He tohu nui tēnei mō te tono pēnei.
• Ngā tono mō ngā tikanga utu motuhake: He pai ake ki ngā kaipahua ngā utu he uaua ki te whai, ā, kāore e taea te whakahoki mai. Ki te tohutohu tetahi i a koe kia hoko kāri koha Walmart, Amazon rānei, ka pānui i ngā waehere, kia tukuna rānei he moni mā Western Union/MoneyGram, kia whakawhiti Bitcoin rānei, kati i reira – he tinihanga tēnei. I kitea e te FTC i te tau 2021 he nui ake te hunga i utu i ngā kaipahua aroha me ngā kāri koha i tētahi atu tikanga, ā, ko ngā utu moni matihiko te mea tino nui rawa atu ngā mate
• Ka wehea koe e rātou i ētahi atu: Ka akiaki ētahi kaipahua i a koe ki te kia huna tō whanaungatanga rānei, me kī atu rānei ki a koe "Kaua e kōrero i tēnei ki ō tamariki, ki ō hoa rānei – e kore rātou e mārama ki tō tāua aroha." Ka pērā rātou nā te mea he nui ake te tūponotanga ka kitea te tinihanga e te kaimātakitaki o waho. Ki te pēhia koe kia huna ngā mea ngaro mai i tō whānau, kia whakatau rānei i ngā whakataunga nui pēnei i te tuku moni me te kore kōrero ki tētahi, he tohu kino tēnā. E kore rawa te hoa pono e tono i tēnā ki a koe. 
• Ka ārai, ka karo rānei rātou ina pātai koe ki a rātou: Ki te pātai koe i ētahi pātai whakamātautau, ki te whakaatu rānei i te ruarua, ka ata whakautu mai rātou, ka ārai rānei? He maha ngā wā ka ngana ngā kaipahua ki te huri i te tuhinga, ka whakama koe mēnā ka whakaatu koe i te ruarua. "Kāore au i te whakapono kāore koe e whakawhirinaki mai ki ahau – ki taku whakaaro ehara tō tāua aroha i te mea pono ki a koe." Tērā pea ka tere tonu tā rātou ngana ki te whakamarie me te pupuhi aroha i a koe kia kaha ake ai te huna i ngā rerekētanga. Kaua e tukua kia whakakorikoria e te tinihanga kare ā-roto ina kore ngā meka e ōrite.
• Ngā kupu whakaari mō ngā hokinga mai nui, ngā mahi tahi ā-pūtea rānei ā mua. Mena i te tīmatanga o te reta kei te kōrero tetahi mō te haumi tahi, me pēhea rānei e utua rua ai koe, i tētahi atu āhuatanga rānei e ka hoatu e koe ināianei, ā, ka whiwhi anō koe i muri mai, he tinihanga pea. Ahakoa he tohutohu haumi, he tuku iho koura, he hoko whenua rānei, kaua te hoa aroha hou e whakararuraru i ō pūtea.

Ka taea e koe te whakamahi i te rārangi i runga ake nei hei rārangi arowhai ina tīmata koe ki te kōrero ki tētahi tangata hou i runga ipurangi. Mēnā ka kitea e koe kei te tirotiro koe i ngā tohu ārai maha, whakamutua te tirotiro, whakaarohia rānei te tapahi i te whakapā atu. 

Whakaaroa e kore e pā ki a koe, whakaarohia anō

Ina rongo tātou i ngā kōrero mō te hunga e taka ana ki te tinihanga whakaipoipo, ko te whakaaro tuatahi ka puta ake ki te hinengaro ko, "E kore rawa tēnei mea e pā ki ahau" me "E kore rawa ahau e taka ki te mea pēnei." Mena koinei ō whakaaro mō ngā tinihanga aroha, whakaarohia anō. Ko ēnei tāngata i kī mai kua tinihangatia rātou, tera pea i pērā anō ō whakaaro:

Ko Meri rāua ko te “Romeo kua tukuna”

I uru atu a Mary, 68 tau te pakeke, he kuia pouaru i Florida, ki tētahi pae whakaipoipo kaumātua, ā, i tūtaki ia ki a "Robert," he hōia hōia 61 tau te pakeke e kī ana kei te haere ia i tētahi kaupapa pupuri rangimārie i Hiria. He tangata ataahua, he aroha hoki ia, e tuku karere ana ki a ia i ia rā, ā, e karanga wawe ana i a ia ko tana "āngera." I roto i ngā wiki, ka kōrero a Robert mō te tīmata tahi i tētahi oranga—engari kāore i whakaae ki te kōrerorero ataata, me te whakapae i te ipurangi hōia ngoikore.

I muri i te marama, ka kī a Robert ka hoki wawe mai ia ki te kāinga, engari e $5,000 te utu e hiahiatia ana mō ngā pepa tuku i te hōhipera me te rere. I te wā i whakaroa ai a Mary, ka pēhia e ia ngā kare ā-roto: "Kāore koe e hiahia kia hoki mai ahau ki te kāinga? Ka oati ahau ka utua e au." I te hiahia ki te whakapono ki te aroha, ka tukuna e ia te moni ki te waea.

I te wiki i muri mai, ka kī a Robert nā ngā utu i pau te whakawhiti moni, ā, ka tono kia $500 anō—i tēnei wā mā roto i ngā kāri koha. I kōrero a Mary ki tana tamāhine, ā, ka pōhēhē ia. I te rapunga whakaahua whakamuri o te whakaahua kōtaha a Robert, i kitea he whakaahua taketake noa iho. I te mamae o te ngākau, ka tapahia e Mary te hononga, ā, ka ripoatahia te tinihanga ki te FTC. I ngaro i a ia te $5,000—engari tera pea he kino ake.

Te pānui e pā ana: Ngā Tūponotanga Tūturu e Whakaatu Ana i ngā Mōrearea o te Teití Ipurangi e Pa Ana ki ngā Wahine

Bob me te "kaipupuri moni aroha"

I tūtaki a Bob, 72 tau te pakeke, he tāne kua whakarerea mai i Texas, ki a "Linda" i roto i tētahi rōpū takitahi i runga i te Pukamata. He hoa aroha, he tangata whakaipoipo a Linda, 60 tau te pakeke, me te kī kua reti ia. Whai muri i ētahi wiki o te kōrerorero, ka kōrero ia ki a Bob mō tētahi tūāpapa hokohoko moni matihiko e whiwhi ana ia i ngā hua nui - ā, ka tuku atu ia ki te āwhina i a ia ki te haumi. I ruarua a Bob engari he hiahia nui. I ārahi a Linda i a ia ki te whakatū i tētahi pūkete, ā, i "hoatu" e ia he $500 ki roto i te moni matihiko. 

I roto i ngā rā torutoru, ka piki te toenga o tana pūkete ki te $750. Nā te whakatenatena, ka tīmata a Bob ki te haumi atu—ā, ka tukuna e ia he $50,000 mai i tana IRA i roto i ngā marama e rua. I tohu a Linda i ngā kare ā-roto aroha engari he take tonu tana kia kaua e tūtaki—e tiaki ana ia i tētahi tuahine e mate ana, e ai ki tāna. I te ngana a Bob ki te tango i ētahi o ana whiwhinga, ka tono tuatahi te papaaho i tētahi "taake" nui. I te mataku, ka ngana a Bob ki te whakapā atu ki a Linda, engari kua ngaro atu ia. I mukua tana kōtaha Facebook, ā, i momotu tana waea. Kāore i roa ka mōhio ia kua tinihangatia ia. He rūpahu te papaaho, ā, kua ngaro tana moni. I ripoata a Bob i te tinihanga, engari ko te nuinga o ngā moni kāore i taea te whai. 

Ko Elaine me te "mahanga tuku iho"

I tūtaki a Elaine, 66 tau te pakeke, nō California, ki a "Victor" i runga i tētahi taupānga whakaipoipo mō ngā kaumātua. I kī ia he kaipakihi kua reti ia nō New York, kei Dubai i tēnei wā mō tētahi kaupapa hanga wā poto. I kōrero rāua mō te marama kotahi, ā, i kitea e Elaine he tangata mātau, he tangata whakaute ia.

I tētahi rā, ka kī a Victor kua waiho e tētahi whanaunga tawhiti he taonga tuku iho nui māna i Ūropi. I harikoa ia—engari he ārai kei reira. Hei whiwhi i te moni, me utu e ia te $8,000 hei utu ture me ngā taake. I "herea" āna moni i Dubai, ā, ka tono ia ki a Elaine kia tukuna he nama. I tukuna atu e ia ngā tuhinga i rite ki ngā pepa tuku iho mana. I oati a Victor ki te whakahoki i a ia i roto i ngā wiki, ā, ka haria ia ki tētahi hararei Ūropi hei mihi.

I whakamatautauria a Elaine engari i whakatau ia ki te pātai ki tōna tungāne, nāna i whakatūpato he rite ki te tinihanga. I te tono a Elaine kia kōrero ki te umanga ture e whakahaere ana i te take, ka tae mai he īmēra mai i tētahi rōia—engari i whakakahoretia e ia te waea mai, ā, ka riri. Nā tēnā i whakaū ōna whakapae, ā, ka motuhia e Elaine te whakapā atu. Ahakoa i ohorere ia i te taha hinengaro, i harikoa ia kāore i tukuna he moni.

Te pānui e pā ana: Te Hī Ika - Te Tikanga, Ngā Tohu me Ngā Tohutohu Hei Whakaora i a Koe Mai i Tērā Mea

Me pēhea te tiaki i a koe i a koe e whakaipoipo ana i runga ipurangi

Ināianei pea kei te whakaaro koe, "Āe, he tini ngā tinihanga kei reira, me pēhea rā e taea ai e au te kia noho haumaru i roto i aku mahi whakaipoipo ipurangi?" Ko te whakautu, me te whakauru i te mōhiotanga, ngā mahi ārai mahi, me te horopeta hauora o te ruarua. Anei ngā mahi pūmau ka taea e koe te mahi hei tiaki i a koe mai i ngā tinihanga o ngā pae whakaipoipo:

1. Puritia ōu mōhiohio whaiaro māu anake

Ina tīmata ana koe ki te kōrero ki tētahi i runga ipurangi, me noho tonu ki te taupānga whakaipoipo. Kaua e whakapuaki wawe i tō nama waea, īmēra, wāhitau, ingoa katoa rānei. Ka taea e ngā kaipahua te whakamahi i ngā taipitopito iti hei whai i a koe. Puritia te kōrerorero a te taupānga kia tino mōhio koe, ā, ki te neke atu koe i te papaaho, whakamahia he mea pēnei i te nama Google Voice. Ahakoa he aha tā rātou e kī ana, kaua rawa e hoatu he mōhiohio tairongo pēnei i ngā taipitopito peeke, ngā nama haumaru pāpori, ngā kupuhipa rānei.

2. Whakatakotoria te tere, kaua hoki e tukua tetahi kia tere atu i a koe

Ki te ngana tetahi ki te nekehia ngā mea kia tere rawa—te tango atu i te taupānga, te tūtaki kanohi ki te kanohi, te kōrero moni rānei—te whakaroa i ngā mahi. He maha ngā wā ka whakamahia e ngā kaipahua ngā kare ā-roto hei turaki i ō rohe. Kia ata noho. Ki te tino pai tetahi ki a koe, ka pai ki a rātou te whai i tō tere.

3. Rapua he whakaahua tere mō ā rātou whakaahua

He maha ngā wā ka whakamahia e ngā kaipahua ngā pikitia tahae. Nō reira, ko te ako ki te kite i ngā whakaahua a ngā kaipahua e pā ana ki te whakaipoipo ipurangi he huarahi pai ki te wehewehe i waenga i te hunga pono me te hunga tinihanga. Mō tēnei, ka taea e koe te whakahaere i tētahi rapunga whakaahua whakamuri i runga i a Google, i a TinEye rānei kia kite ai mēnā kei te whakamahia tā rātou whakaahua i tētahi atu wāhi ipurangi. Ki te kitea e koe i runga i tētahi pae hokohoko, i te kōtaha rānei a tētahi atu, he tohu nui tēnā. He torutoru noa ngā pāwhiri hei tirotiro.

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4. Tirohia ngā mōhiohio e homai ana e rātou ki a koe

Ki te mea ka kōrerotia mai e rātou tō rātou wāhi noho, tō rātou wāhi mahi rānei, rapua wawetia. Tirohia mēnā kei te puta mai tō rātou ingoa i te wāhi e tika ana kia puta mai. Ka taea hoki e koe te rapu i tā rātou īmēra, i tā rātou ingoa kaiwhakamahi rānei—tērā pea kua tohua e ētahi atu i ngā huihuinga tinihanga. Ki te kore ngā taipitopito e ōrite, me whakaaro he whakatūpato.

5. Tonoa he waea ataata i mua i te wā

I te whanaketanga o te hononga, tīmatahia te tono waea ataata i te wā tōmua. I mua i te urunga o te ngākau ki roto i a koe. He huarahi māmā noa iho tēnei ki te kite mēnā e ōrite ana te tangata ki ā rātou whakaahua me ā rātou kōrero. Ki te karohia e rātou, ki te rapu whakamārama rānei, he mea whakapae tēnā. Kāore he raruraru o te tangata pono ki te tīmata i tētahi waea ataata tere.

6. Kaua e tuku moni, koha rānei ki tētahi kāore anō kia tūtaki koe

Ahakoa te āhua pono o te hononga, kaua rawa e tuku moni ki tētahi i tūtaki noa koe i runga ipurangi. He maha ngā wā ka tito kōrero ngā kaipahua hei āwhina i a koe ki te whiwhi moni tere. Ka mārama te tangata tūturu mēnā ka whakakahore koe. E ai ki te FTC—kaua e tuku moni, koha, tetahi mea rānei e whai uara ana ki tētahi kāore anō koe kia tūtaki kanohi ki te kanohi.

7. Kia tūpato ki ngā hononga me ngā tango

Ki te tukuna atu e tetahi he hononga, he kōnae rānei ki a koe, kaua e whakatuwheratia mēnā kāore koe i te tino mōhio kei te haumaru. Tērā pea ka arahi ēnei ki ngā pae hītinihanga, kei roto rānei he pūmanawa kino. Mēnā kei te hiahia rātou ki te tohatoha whakaahua, puritia ki runga i te taupānga whakaipoipo, ki tētahi tūāpapa pono rānei. Me tirotiro anō ngā URL i mua i te whakauru i ngā mōhiohio takiuru.

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8. Whakamahia ngā kupuhipa pakari, kia mataara tonu

Kia motuhake ō kupuhipa, inā koa mō ngā īmēra me ngā taupānga whakaipoipo. Kaua e whakamahi anō i ngā mea ngāwari ki te matapae, ā, whakakāhia te manatoko rua-wāhanga ki ngā wāhi e taea ai e koe. Ki te whiwhi koe i tētahi waehere matapōkere mā te karere kuputuhi i te wā kāore koe i te ngana ki te takiuru, kaua e tohaina—i ētahi wā ka ngana ngā kaipahua ki te tinihanga i a koe kia tukuna te urunga.

9. Kia tūpato hoki ki ngā pāpāho pāpori

Kāore ngā tinihanga aroha e puta noa i ngā pae whakaipoipo. Ka taea hoki te puta i runga i a Pukamata, Instagram, tae atu ki ngā huihuinga kōrero. Ki te tuku karere whakaipoipo tētahi tangata tauhou, ki te hiahia rānei ki te hono atu ki tētahi atu, kia tūpato. Tirohia tā rātou kōtaha mō ngā tohu ārai pēnei i te iti o ngā whakaahua, ngā mahi tata rānei. Ki te whakapae koe kei te ngana ētahi kōtaha ruarua ki te hono atu, whakawhāitihia ō tautuhinga tūmataiti kia kore ai tō oranga e tino kitea.

10. Kōrero ki tētahi e whakawhirinaki ana koe

Ki te mea he āhua hē tō whakaaro, kōrero ki tētahi hoa, ki tētahi mema rānei o te whānau. Ka taea e rātou te tuku tirohanga me te āwhina i a koe ki te kite i ngā mea e ngaro ana i a koe nā ngā kare ā-roto. Ka taea hoki e koe te tuku kōrero huna i roto i ngā huihuinga pēnei i te r/Scams a Reddit, i ngā papa AARP rānei—he maha ngā wā ka taea e te hunga o reira te kite wawe i ngā tinihanga.

11. Kōwhiria ngā papaaho whakaipoipo e whakanui ana i te haumaru

Whakamahia ngā taupānga whakaipoipo e aro nui ana ki te haumarutanga. He whakaaro pai hoki te tūhura i ngā taupānga e whakatapua ana ki te whakaipoipo kaumātua, pērā i a SeniorMatch, ehara i te mea he mea hanga noa hei whakangāwari i te whakatere i te whakaipoipo ipurangi engari hei whakarato rauemi hoki ki ngā kaiwhakamahi hei whakaako me te tiaki i a rātou anō mai i ēnei momo tinihanga. He maha ngā taputapu a ngā tūāpapa kua whakapumautia pēnei hei tohu i ngā tinihanga, hei manatoko rānei i ngā kaiwhakamahi. Ko ētahi ka taea e koe te manatoko i tō ake kōtaha—whakamahia aua āhuatanga. Mena he ahua hē tetahi mea, ripoatahia te kōtaha. Ka āwhina pea ki te tiaki i ētahi atu.

12. Whirinaki ki to puku

Ki te kore tetahi mea e pai ki a koe, kia aro ki taua kare ā-roto. Ahakoa he karere tauhou, he aroha tere rānei, whakawhirinaki ki a koe anō. Kāore he aha te pātai, te ruarua, te haere atu rānei. He pai ake te noho haumaru i te pouri.

Mā te whai i ēnei tikanga, ka tino whakaitihia e koe te tūponotanga ka taea e te kaipahua te tinihanga i a koe. Ka ārai koe i a rātou (ka mōhio rātou ehara koe i te ūnga ngāwari ka mutu), ka mau rānei koe i a rātou i roto i te teka i mua i te pānga o tētahi kino.

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Ngā Utauta me ngā Ratonga hei Āwhina

Ka taea hoki e koe te whakamahi i ngā hangarau me ngā ratonga hei tiaki i a koe mai i ngā tinihanga o ngā pae whakaipoipo. He maha ngā ratonga tiaki tuakiri ngāwari ki te whakamahi ka taea te aroturuki i ō mōhiohio whaiaro me te whakatūpato i a koe ki ngā tinihanga pea. Kāore ēnei ratonga e ārai i te tinihanga aroha, engari ka taea e rātou te whakawhāiti i te kino mēnā ka riro mai i te kaipahua ō raraunga, ā, ka taea e rātou te āwhina i a koe ki te whakaora i a koe mēnā ka tahaetia tō tuakiri. He rite ki te whai pūnaha haumarutanga mō tō oranga matihiko. Anei ētahi kōwhiringa ka taea e koe te tūhura: 

1. Mā LifeLock koe e āwhina ki te hopu wawe i te tahae tuakiri

Ka aroturukihia e LifeLock ō mōhiohio whaiaro—pēnei i tō nama Haumaru Hapori, tō ingoa, me tō wāhitau—ā, ka whakatūpato atu mēnā ka whakamahia hei tono nama, hei tono ratonga rānei. Ka matawaihia hoki e ia te tukutuku pōuri mō ō raraunga, tae atu ki ngā mōhiohio mai i ngā pae whakaipoipo kua takahia. Mēnā ka tahaetia tō tuakiri, ka āwhina tā rātou tīma tautoko i a koe ki te whakaora, ā, ka hipokina e ngā mahere taumata teitei ake te āwhina ture me ngā moni kua tahaetia. Ka tāpirihia hoki e ētahi mahere he ārai huaketo Norton me te VPN hei tāpiri i te haumaru ipurangi. Ka taea hoki e koe te tūhura i ētahi atu ratonga VPN pēnei i a NordVPN hei pupuri i te haumaru o ō mahi matihiko. 

2. Ka whakakotahi a Aura i te tiakitanga tuakiri me te haumarutanga matihiko

Ka tirotirohia e Aura ō pūrongo nama puta noa i ngā tari e toru, ā, ka aroturukihia hoki ngā mea pēnei i ngā pūkete peeke, ngā rekoata taihara, me ngā mahi tukutuku pōuri. Kei roto hoki ngā taputapu pēnei i te pūmanawa ārai huaketo, he VPN, he kaiwhakahaere kupuhipa, me ngā aukati pāme waea/karere. Kei te wātea ngā mahere mō ngā tāngata takitahi, ngā tāne me ngā wāhine, ngā whānau rānei (tae atu ki te rima ngā pakeke), e māmā ai te tiaki i tō whare. Ka whiwhi hoki koe i te $1 miriona inihua tahae tuakiri me te urunga atu ki te tautoko 24/7 kei te US.

3. Ka whakamahia e IdentityGuard te AI hei tere kite i te tinihanga

Ka whakamahia e IdentityGuard a IBM Watson hei kimi i ngā mahi whakapae e pā ana ki ō mōhiohio whaiaro me ō mōhiohio pūtea. Ka tukuna he aroturuki nama (kotahi, e toru rānei ngā tari i runga i te mahere), me ngā whakatūpato mō ngā pūkete peeke, ngā kāri nama, tae atu ki ngā pūkete reti. He toronga pūtirotiro hei āwhina i te aukati i ngā nganatanga hītinihanga, ā, kei roto i ngā mahere katoa he inihua $1 miriona. Me ngā mahere whānau ngāwari me te tautoko 24/7, he kōwhiringa pai tēnei mēnā e hiahia ana koe ki tētahi tīma mahi-ā-ringa me te hangarau e mau tonu ana.

Me pēhea te āwhina a ēnei ratonga i te tangata e manukanuka ana mō ngā tinihanga whakaipoipo? Whakaarohia he tinihanga i hopukina ō taipitopito whaiaro e te tangata tinihanga i te wā e ngana ana ki te tinihanga aroha - tērā pea i tohaina e koe tō ingoa katoa, tō wāhitau, me tō rā whānau. I te wā kino rawa atu, me kī atu i tinihangatia koe e rātou kia hoatu ō taipitopito peeke, Medicare rānei. 

Mā te ratonga tiaki tuakiri koe e whakatūpato mēnā kei te whakamahia ō mōhiohio hei whakatuwhera kāri nama, mēnā he rerekētanga rerekē kei tō pūkete putea, mēnā rānei ka puta ake tō SSN ki tētahi wāhi kāore i tika. He maha ngā wā ka hopukina e rātou ngā mea kāore pea koe e kite tae noa ki te wā kua roa rawa. Mā te whai ratonga kei te wāhi, kāore koe e hiahia ki te mataara tonu. Ka taea e koe te arotahi ki ngā hononga tūturu i a tō "kaitiaki" mamati e whakahaere ana i te toenga. 

He aha te mahi mena kua tinihangatia koe

Ahakoa ngā mahi whakatūpato katoa, tera pea ka taka koe, tetahi rānei e mōhio ana koe ki tētahi mahi tinihanga mō te whakaipoipo. Tuatahi, manawa hōhonu. He mea nui kia mahara kāore koe i te mokemoke, kaua hoki e whakapae i a koe anō mō ​​te "tino kuware" me te "kuware". He tino whakapono ēnei kaihara, ā, ka taea e rātou te hopu i te hunga tino mātau. Ko tāu arotahi tonu i muri i te mahi tinihanga mō te whakaipoipo ipurangi ko te kimi i te mea hei mahi i muri mai. Anei tētahi aratohu taahiraa-i-te-taahiraa hei whakawhāiti i te kino, hei ripoata i te hara, me te tīmata ki te whakaora:

1. Whakamutua te whakapā atu ki te tangata tinihanga

Kia whakapae koe kua tinihangatia koe, kati te whakawhitiwhiti kōrero. Kaua e whakautu ki ngā waea, ki ngā tuhinga, ki ngā īmēra rānei, ā, kaua rawa e tuku moni atu. Āraia rātou ki ngā wāhi katoa—waea, īmēra, taupānga whakaipoipo, me ngā pāpāho pāpori. Mena kua tohaina e rātou ētahi hononga, taupānga rānei, kati te whakamahi i aua mea. Mā te tapahi wawe i aua mea ka whakaiti i te tūponotanga o te kino.

2. Kōrero ki tētahi e whakawhirinaki ana koe 

Kāore koe e hiahia ki te aro atu ki tēnei mea ko koe anake. Kōrerotia ki tētahi hoa tata, ki tētahi mema whānau rānei te mea i tupu—ka taea e rātou te tuku tautoko kare ā-roto me te āwhina i a koe ki te whakaaroaro mō te mea hei mahi i muri mai. Kāore he tangata e ātete ki ngā tinihanga. 

3. Tiakina ngā taunakitanga katoa

Puritia ngā karere, ngā īmēra, me ngā tuhinga utu. Kaua e muku i tetahi mea i te whakama—he mea whai hua mō te ripoata. Tangohia ngā whakaahua mata e whakaatu ana i te kōtaha me ngā kōrero a te kaipahua, ka tuhia tōna ingoa, tōna kōrero, me ngā taipitopito pūkete i homai e ia. Ka āwhina pea ēnei mōhiohio mēnā ka ripoata koe i te tinihanga, ka ngana rānei koe ki te whakahoki mai i tō moni.

Te pānui e pā ana: 10 Ngā Hipanga hei Whakaora Mai Mēnā kei te Māmingatia Koe e te Tangata e Arohaina Ana e Koe

4. Pūrongohia te tinihanga

 Mā te whakamōhio atu ki te hunga tika ka āwhina i ētahi atu, ā, tērā pea ka āwhina anō hoki i a koe. Tukuna ngā pūrongo ki:

• FTC: Haere ki reportfraud.ftc.gov
• FBI IC3Tukuna he amuamu ki ic3.gov
• Pirihimana roheKa waihangahia he pūkete, hei āwhina i te inihua, i ngā tautohe rānei
• Taupānga TeitíPūrongohia te kaiwhakamahi kia kore ai ētahi atu e tinihangatia
• Ngā kamupene e whai wāhi anaPērā i a Western Union, ngā kaiwhakarato kāri koha, ngā taupānga moni rānei

5. Kōrero atu ki tō peeke i te wā e taea ai

 Ki te tuku moni koe, ki te tohatoha rānei i ngā mōhiohio pūtea, waea atu ki tō peeke, ki tō kamupene kāri nama rānei. Pātai atu mō te whakamutu, te whakakore rānei i ngā utu. Mena i tohaina ngā taipitopito o tō pūkete, whakaarohia te kati i taua pūkete. Whakakorehia, whakakapia hoki ngā kāri nama, me te huri i ngā kupuhipa i tohaina e koe.

6. Whakatakotoria he whakatūpato tinihanga, he aukati rānei i te nama

Mena i whiwhi te kaipahua i ō mōhiohio whaiaro—pēnei i tō nama Haumaru Hapori—me whakatūpato tinihanga, me aukati rānei i tō nama. Mā tēnei ka kore rātou e whakatuwhera i ngā pūkete hou i raro i tō ingoa. He kore utu, he ngāwari hoki mā roto i tētahi o ngā tari nama e toru.

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7. Kia tūpato ki ngā mahi tinihanga whakaora

Heoi, i ētahi wā ka rua ngā mahi a ngā kaipahua. Kia tūpato ki te hunga e tuku ana i te āwhina ki te whakahoki mai i tō moni mō te utu. Kāore ngā tari whakahaere ture tūturu e utu mō ngā tirotirohanga. Me pātai tonu ki tētahi e whakawhirinaki ana koe i mua i te hono atu ki tētahi hou.

Thoughts Final

He wheako whakamiharo te whakaipoipo ipurangi i roto i ō tau koura—kaua e mataku, kia rite noa. Mā te ako i ngā tohu ārai me te whakatakoto i ngā rohe hauora, ka taea e koe te pārekareka ki ngā hononga hou me te noho haumaru. Anei ētahi mea hei maumahara i ngā wā katoa:

• He roa te wā e whakawhirinaki ai, ā, ka whakautehia tō tere e te tangata tūturu e aro nui ana ki a koe. He tohu kino te tere o te tangata e tere ana i a koe.
• Kei a koe te tika ki te kī "kāo." Kāore te hoa pono e akiaki i a koe ki te tohatoha kōrero, ki te tuku moni rānei.
• Kia mau ki te mana whakahaere. Māu e whiriwhiri te wā me te pēhea e kōrero ai, e tūtaki ai rānei. Ka ngana ngā kaipahua ki te whakahaere—kaua e tukua rātou
• He mana te mātauranga. Nā te mea kua mōhio koe ki ngā mahi tinihanga, he uaua ake te tinihanga i a koe.
• He pai te nuinga o te tangata. Mā te tūpato me te māia, ka taea e koe te tūtaki ki ngā hoa aroha, pono hoki i runga ipurangi.

Whakawhirinaki ki ō kare ā-roto, kia mataara, kia pai hoki te haerenga. E tika ana kia whiwhi koe i te aroha—ā, kua rite koe ki te kimi haumaru i taua aroha.

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Kāore tō koha e kiia he kaupapa aroha takohaMā tēnei ka taea e Bonobology te kawe mai i ngā mōhiotanga hou me ngā mōhiotanga hou ki a koe i roto i tā mātou whainga ki te āwhina i te tangata katoa o te ao ki te ako me pēhea te mahi i tetahi mea.

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