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While 2022 is winding down, scams targeting the public are unrelenting. Many are facilitated through emails and social media so exercise caution responding to ads about discounted items, event promotions, job opportunities, donation requests and direct messages. If you are asked for payment by wire or e-transfer, through third parties, by prepaid debit or gift cards, this is a red flag.

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Need gift ideas to help with the ladies in your life? This list will surely help you make the grade.

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