While scrolling through social media, you might come across a video or post discussing an “opportunity” to make money using checks. The problem? That advice could get you in trouble.

Scammers posing as government agencies or well-known businesses are increasingly going after retirees’ life savings. They weave a web of lies about some bogus crisis. Then they trick older adults into giving them tens or even hundreds of thousands of dollars.

Back to school is a great time to start having conversations with your family about creating good online habits. Rather than telling kids what they should or shouldn’t do online, consider making it a parent versus kids challenge. Find out who in your house knows more about protecting their personal information online — and bring in a little healthy competition.

Scammers are still pretending to be the police, calling to say you’ve missed jury duty and need to pay. But in a new twist, some scammers are now telling you to visit a website to enter your personal information — all so they can steal it and your money.