Learn the Risk Factors During Suicide Prevention Month

September is Suicide Prevention Month, September 8th to 14th is National Suicide Prevention Week, and September 10th is World Suicide Prevention Day. It’s less than two months until the next American Foundation for Suicide Prevention’s Out of the Darkness Community Middlesex County Walk at Thompson Park in Jamesburg, New Jersey. I invite you to join my team and walk with me on November 3^rd.

According to the AFSP website, there are several reasons someone may commit suicide. It most often occurs when stressors and health issues converge to create an experience of hopelessness and despair. Depression is the most common condition, and it can go undiagnosed or untreated. Conditions like depression, anxiety, and substance problems, especially when unaddressed, increase the risk of suicide.

AFSP wants everyone to know the risk factors, characteristics or conditions that increase the chance that a person may try to take their life.

They include mental health conditions such as depression, substance use problems, bipolar disorder, schizophrenia, aggression, mood changes, poor relationships, and conduct or anxiety disorders. Other factors include serious physical health conditions including pain and traumatic brain injury.

Other factors include access to firearms and drugs, prolonged stress, such as harassment, bullying, relationship problems, or unemployment, and stressful life events, like rejection, divorce, financial crisis, other life transitions or loss, exposure to another person’s suicide, or accounts of suicide.

There are protective factors such as access to mental health care, feeling connected to family and community support, problem-solving and coping skills, and limited access to lethal means. Something to look out for when concerned that a person may be suicidal is a change in behavior or the presence of entirely new behaviors. Most people who take their lives exhibit one or more warning signs, either through what they say or what they do.

If a person talks about:

Behaviors that may signal risk, especially if related to a painful event, loss or change:

People who are considering suicide often display one or more of the following moods:

I hope you can join us on November 3^rd. Get more information or join my team here.

Scams are a scary thing, so you should know these new scams that are trending. It's easy to think that you could never fall for a scam, but the truth is that scammers are getting better and better and what they're doing, so it's getting more difficult to stay safe.

Before we get into the new scams that are trending, it's worth reminding ourselves of some age-old scams. Some scam artists just keep doing the same thing, and they keep getting successful results. The IRS has some good information out about tax-related scams and how to avoid them. On the agency's official website, they warn that seniors are often targeted in scams. This was true years ago and is still true. On their site, they warn taxpayers not to fall for scams targeting older adults. "Scammers pretending to be government officials, aim to steal sensitive personal information and money," they state. "By posing as representatives from agencies such as the IRS, or other government agencies, these fraudsters use fear and deceit to exploit their victims."

Another big scam that's been around forever is scammers claiming their services are needed to settle with the IRS and "that their debts can be settled for 'pennies-on-the-dollar' or that there is a limited window of time to resolve tax debts through the Offer in Compromise (OIC) program." The IRS says "these promoters are often referred to as 'OIC Mills.'" In a release, the IRS adds that an Offer in Compromise "mill" will "usually make outlandish claims, frequently in radio and TV ads, about how they can settle a person's tax debt for cheap. In reality, the promoter fees are often excessive, and taxpayers pay the OIC mill to get the same deal they could have received on their own by working directly with the IRS. This takes unnecessary money out of the taxpayer's wallet."

"Too often, we see some unscrupulous promoters mislead taxpayers into thinking they can magically get rid of a tax debt," IRS Commissioner Danny Werfel said in a statement. "This is a legitimate IRS program, but there are specific requirements for people to qualify. People desperate for help can make a costly mistake if they clearly don't qualify for the program. Before using an aggressive promoter, we encourage people to review readily available IRS resources to help resolve a tax debt on their own without facing hefty fees."

Now, let's move onto the new scams to avoid.

The AARP warns of a new scam called the "check cooking scam." The AARP states, "In check cooking, thieves take a digital picture of a stolen check and then use commercially available software to alter it." It can look super real, but it's fake. So, how do you stay safe? "Consider using a safer payment method, such as a credit card," they suggest.

The AARP states also warns of a new sweepstakes scam where "instead of trying to get you to pay taxes or other fees in advance to collect the nonexistent prize, the scammers will ask for personal information so that they can validate you and set up the payout." Just say no.

These days, AI scams are big. Experian.com says today, scammers use technology to "write more convincing and natural-sounding phishing emails and text messages." They can also "Impersonate the victim's friend or relative and ask for money as part of a grandparent scam." It's scary stuff. Beware of anything that sounds too crazy, as these can often seem far-fetched, but AI makes them look real.

Experian.com says that student loan forgiveness scams are on the rise. They note that, "scammers may contact you via phone or create phony application sites aimed at stealing your Social Security number or your bank account information." Don't give out your information. If it sounds too good to be true, it is.

This one is really wild. With the games on the way, scammers can use the games to scam you. The AARP states, "A scammer hacks someone's email account, and shortly after, all of that person's contacts will receive the same message — something to the effect of, 'Hey guys, I'm over in Paris and my wallet got stolen! Can anyone please help me out by sending gift cards or a Venmo deposit?"

Whether the scam is new or old, the best way to avoid it is to stop and think about what's happening. These scam artists are super good at what they do, but if you just stop for a moment and really think out any actions, you can avoid making a rash decision that could cost you.