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Femi Oshofowora is the chief executive officer of Mbraiz Innovations – a real estate business based in Ogolonto, Ikorodu – Lagos State. In this interview with Josephine Okojie, he spoke about what inspired Mbraiz Innovations and the state of the Nigerian real estate industry. What inspired Mbraiz Innovations? The inspiration came from the need to proffer solutions to people who have had horrible experiences buying properties. We came to preach that and let people know there are genuine people in Nigeria who can do real estate business with them with peace of mind. Secondly, I discovered that real estate is one of the ways people can build massive wealth, thereby I have been able to raise a massive number of young people who are now doing well in their businesses with real estate. What separates your organisation apart from others? At the heart of what we do are our core values, our vision, and a mindset dedicated to changing the misconceptions about real estate. We’re passionate about showing people that real estate can be a trustworthy and rewarding venture. Most importantly, we always under-promise and over deliver. How is your organisation navigating the current economic challenge? We leverage the relationships we have built with people across the years because we are very intentional about these relationships and they help drive our success. Additionally, we make use of technology to ensure that economic challenges don’t hold us back. In this part of the world, 95 percent of businesses fail within the first five years, and 98 percent fail within the next five. But the key to surviving and thriving is learning to leverage people from those you’re building with and clients at different financial levels. When you combine that with the right use of technology, you can not only overcome challenges but scale your business even through tough times. How do you cater to customers who might not be able to afford high-end properties and ensure satisfaction through the entire spectrum of your clients? Customer satisfaction is really important to us. What I’ve realized is that most businesses focus heavily on their customers while they’re still prospects, before they make a purchase. Once the deal is done and they’ve converted to paying clients, many businesses look away and move on to the next prospect. However, we take a different approach. We make it a point to stay in touch with our clients even after the sale. We reach out to collect their feedback, learn where we served them well and where we can improve our clients, also receive our email newsletters and updates, and make sure to celebrate them on their special days. This has helped build a loyal customer base for us that truly values what we do. What’s your approach to sustainability at Mbraiz Innovations? When it comes to sustainability, our approach is all about continuous learning and networking. I believe in constant growth, which is why I invest a lot in training my staff. For example, I just completed a training called Business Sustainability – a famous business coach, where I learned that 98 percent of businesses fail within the first 10 years. I also realised that a business isn’t considered to have started growing until it hits that 10-year mark. Sustainability is crucial because it’s not just about how much you have right now. You could have 10 billion in your account, but without a solid sustainability system, those billions will disappear in no time. Nigeria is being challenged with an increasing rate of brain drain across industries. How do you ensure employee retention? We prioritise training a lot. For example, every Monday, we have personal development sessions for the team. Additionally, whenever there’s a relevant training opportunity related to their department, we ensure they attend. They always come back with new skills and a broader perspective. We also give our team the freedom to make decisions. I don’t impose my views on them because they’re stakeholders too. I share my ideas, but everyone is encouraged to contribute their innovations, and together, we build something sustainable. What are the major challenges you have experienced since inception? The real challenge isn’t really about staff strength, business knowledge, or the economy, because I make sure to train myself and my team to handle economic challenges in advance. The bigger challenge, I’d say, is funding and finance. The real estate industry has been tainted by many amateurs looking to make quick cash and ruined its reputation. This has made it a bit difficult for those of us who are truly passionate to make a real difference. This is especially true for people in the diaspora who want to invest but are hesitant due to trust issues. Many who have the funds to invest are afraid because they’ve had bad experiences, and that’s a major challenge. It’s something I’m working hard to address so that people can trust us and overcome those obstacles to invest with confidence. How do you stay ahead in the very competitive world of Real Estate? In real estate, it’s crucial to understand the specific path you want to take because the industry is so broad. You need to become an authority in that area and keep building yourself in that direction. That’s exactly what I do, and I’m very intentional about it. I make sure that the path I’ve chosen in real estate is one I’m fully committed to, and I continuously acquire the knowledge and skills needed to stay afloat and succeed in that field. How do you ensure ethical business practices, especially how your staff interacts with clients? Every business, organization, or even place of worship has its own set of policies. The key is to establish a strong working system that everyone understands and can follow. As the leader, it’s crucial not to abuse the system or policies in place. We have clear standards that everyone must adhere to, and if changes are needed, I don’t make those decisions alone. I call a management meeting to discuss changes and review our standards together. We also make it a point to review our standards every quarter to see how they’re performing and to stay updated on current trends, ensuring we’re always evolving and not left behind. Have there been any instances where you had to let a customer go because they weren’t following the policies you’ve set for your brand? Yes, this has happened a few times. In real estate, it’s essential to have strong core values, and one of ours is integrity. In this business, you discover that some people get money through questionable means and try to invest in them. When someone applies for a property with us, we require their identification, address, and job details, among other documents, because this is the standard stated by EFCC to avoid money laundering. Some individuals may try to invest stolen money, and we ensure that everything is traceable to protect the business. Additionally, we sometimes encounter clients who resist following our standards because they had negative experiences with unprofessional real estate agents in the past, and in some cases, they’re the ones causing issues but just want to move on quickly, using us as an escape. For us, however, the money you want to pay doesn’t count here; it’s doing business the right and legal way that matters. Are there any challenging or bad experiences you’d like to share? In almost seven years of operation, we’ve never had to deal with any court cases, and that’s a direct result of staying true to our core values. How do you promote diversity and inclusion within your brand? It’s all about understanding and recognizing that everyone has their unique strengths. We ensure to place people in departments where they can excel based on those strengths. The head of our head of marketing is a woman, and our head of accounting is a man. We also have women who go to the site, and sometimes, we all head there as a team. It’s about creating an environment where everyone plays to their strengths, no matter their gender or role. How do you handle the risks involved in real estate? Wisdom and prayer. Real estate is a high-risk industry, especially because it’s capital intensive, but the returns can be significant. We make sure to do thorough due diligence before making any decisions. This process helps us minimize risks by giving us the right information to make informed decisions. How do you go about building partnerships with other companies? We approach partnerships in different ways. We have partnership plans for both organisations and private individuals. Right now, we have over 100 individuals partnering with Mbraiz and we also collaborate with other companies. We currently have an estate in Asaba, a partnership deal with a close friend of mine who’s also in real estate. How do you adapt to the new trends, especially in this Gen Z-driven world? Every business needs to keep up with trends because if you don’t, you risk becoming outdated. It’s important to carefully examine these trends and choose the ones that align with your brand. Some trends can even harm your brand’s identity if you’re not careful. We also leverage the onGen Z trends because they are often so tech-savvy. They’re using their skills to help promote the real estate space in innovative ways, and that’s something we embrace. Are there any ongoing projects? We just wrapped up an event last month called “Vision 30:30,” which aimed to help 30 people under 30 become landowners. We found that many people over 30 still don’t know how to become landowners, so it was a great success. We were able to help a large number of people achieve this goal. We also have another event coming up in January called “NYSC” which stands for New Year Sales Corps. It’s a program designed for people who want to earn extra income, boost their selling skills, and make money in real estate and it’ll be launching on January 1st, 2025.Former Boise State coach Chris Petersen still gets asked about the Fiesta Bowl victory over Oklahoma on the first day of 2007. That game had everything. Underdog Boise State took a 28-10 lead over one of college football's blue bloods that was followed by a 25-point Sooners run capped by what could have been a back-breaking interception return for a touchdown with 1:02 left. Then the Broncos used three trick plays that remain sensations to not only force overtime but win 43-42. And then there was the marriage proposal by Boise State running back Ian Johnson — shortly after scoring the winning two-point play — to cheerleader Chrissy Popadics that was accepted on national TV. That game put Broncos football on the national map for most fans, but looking back 18 years later, Petersen sees it differently. "Everybody wants to talk about that Oklahoma Fiesta Bowl game, which is great how it all worked out and all those things," Petersen said. "But we go back to play TCU (three years later) again on the big stage. It's not as flashy a game, but to me, that was an even better win." Going back to the Fiesta Bowl and winning, Petersen reasoned, showed the Broncos weren't a splash soon to fade away, that there was something longer lasting and more substantive happening on the famed blue turf. The winning has continued with few interruptions. No. 8 and third-seeded Boise State is preparing for another trip to the Fiesta Bowl, this time in a playoff quarterfinal against No. 5 and sixth-seeded Penn State on New Year's Eve. That success has continued through a series of coaches, though with a lot more of a common thread than readily apparent. Dirk Koetter was hired from Oregon, where Petersen was the wide receivers coach. Not only did Koetter bring Petersen with him to Oregon, Petersen introduced him to Dan Hawkins, who also was hired for the staff. So the transition from Koetter to Hawkins to Petersen ensured at least some level of consistency. Koetter and Hawkins engineered double-digit victory seasons five times over a six-year span that led to power-conference jobs. Koetter went to Arizona State after three seasons and Hawkins to Colorado after five. Then when Petersen became the coach after the 2005 season, he led Boise State to double-digit wins his first seven seasons and made bowls all eight years. He resisted the temptation to leave for a power-conference program until Washington lured him away toward the end of the 2013 season. Then former Boise State quarterback and offensive coordinator Bryan Harsin took over and posted five double-digit victory seasons over his first six years. After going 5-2 during the COVID-shortened 2020 season, he left for Auburn. "They just needed consistency of leadership," said Koetter, who is back as Boise State's offensive coordinator. "This program had always won at the junior-college level, the Division II level, the I-AA (now FCS) level." But Koetter referred to "an unfortunate chain of events" that made Boise State a reclamation project when he took over in 1998. Coach Pokey Allen led Boise State to the Division I-AA national championship game in 1994, but was diagnosed with cancer two days later. He died on Dec. 30, 1996, at 53. Allen coached the final two games that season, Boise State's first in Division I-A (now FBS). Houston Nutt became the coach in 1997, went 4-7 and headed to Arkansas. Then Koetter took over. "One coach dies and the other wasn't the right fit for this program," Koetter said. "Was a really good coach, did a lot of good things, but just wasn't a good fit for here." But because of Boise State's success at the lower levels, Koetter said the program was set up for success. "As Boise State has risen up the conference food chain, they've pretty much always been at the top from a player talent standpoint," Koetter said. "So it was fairly clear if we got things headed in the right direction and did a good job recruiting, we would be able to win within our conference for sure." Success didn't take long. He went 6-5 in 1998 and then won 10 games each of the following two seasons. Hawkins built on that winning and Petersen took it to another level. But there is one season, really one game, no really one half that still bugs Petersen. He thought his best team was in 2010, one that entered that late-November game at Nevada ranked No. 3 and had a legitimate chance to play for the national championship. The Colin Kaepernick-led Wolf Pack won 34-31. "I think the best team that I might've been a part of as the head coach was the team that lost one game to Nevada," Petersen said. "That team, to me, played one poor half of football on offense the entire season. We were winning by a bunch at half (24-7) and we came out and did nothing on offense in the second half and still had a chance to win. "That team would've done some damage." There aren't any what-ifs with this season's Boise State team. The Broncos are in the field of the first 12-team playoff, representing the Group of Five as its highest-ranked conference champion. That got Boise State a bye into the quarterfinals. Spencer Danielson has restored the championship-level play after taking over as the interim coach late last season during a rare downturn that led to Andy Avalos' dismissal. Danielson received the job full time after leading Boise State to the Mountain West championship. Now the Broncos are 12-1 with their only defeat to top-ranked and No. 1 seed Oregon on a last-second field goal. Running back Ashton Jeanty also was the runner-up to the Heisman Trophy. "Boise State has been built on the backs of years and years of success way before I got here," Danielson said. "So even this season is not because of me. It's because the group of young men wanted to leave a legacy, be different. We haven't been to the Fiesta Bowl in a decade. They said in January, 'We're going to get that done.' They went to work." As was the case with Danielson, Petersen and Koetter said attracting top talent is the primary reason Boise State has succeeded all these years. Winning, obviously, is the driving force, and with more entry points to the playoffs, the Broncos could make opportunities to keep returning to the postseason a selling point. But there's also something about the blue carpet. Petersen said he didn't get what it was about when he arrived as an assistant coach, and there was some talk about replacing it with more conventional green grass. A poll in the Idaho Statesman was completely against that idea, and Petersen has come to appreciate what that field means to the program. "It's a cumulative period of time where young kids see big-time games when they're in seventh and eighth and ninth and 10th grade and go, 'Oh, I know that blue turf. I want to go there,'" Petersen said. 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By Chukwuma Umeorah Nigeria may be losing billions of naira, if the Federal Government fails to urgently reform the gaming and lottery industry, which presently contributes an estimated $250 million (approximately N500 billion) to the nation’s GDP annually. According to the National Union of Gaming and Lottery Workers (NUGLOW), this contribution highlights the sector’s potential to drive economic growth, create jobs and serve the public good in Africa’s largest economy. Speaking at a press briefing in Lagos, NUGLOW’s National Treasurer, David Omaghomi, emphasized the need for reforms to harness the industry’s full potential while ensuring fairness, professionalism, and improved conditions for workers and stakeholders. He noted that Nigeria’s gaming market outpaces that of neighbouring countries, including the popular Ghana Games, which contributes only $64 million annually. “Our potential is huge, our population is huge, and our market is huge. Beyond the contribution to GDP, the industry employs 650,000 people, with Lagos being the highest contributor,” he said. Omaghomi pledged to improve working conditions, stating: “Better workers mean better results, and better results mean better contributions to societal development.” He also highlighted the underutilized potential of the industry, pointing out that unregulated operators exploit the market, depriving the government of revenue and workers of fair benefits. Omaghomi criticised foreign operators for exploiting the local market, evading taxes, and failing to contribute to Nigeria’s economy. He pledged the union’s collaboration with regulatory authorities to address these practices and uphold the industry’s integrity. The union also underscored the significance of a landmark Supreme Court ruling that nullified the National Lottery Act, enabling states to regulate gaming activities within their jurisdictions. The NUGLOW’sTreasurer, described the ruling as a pivotal development that will “change the interface of gaming” by fostering collaboration with state regulators, who are better positioned to oversee activities at the grassroots level. He noted that the ruling clarified gaming and lottery regulation as outside the exclusive legislative list, paving the way for a more decentralised and inclusive framework. However, despite its economic contributions, the industry faces numerous challenges, including illegal operators, underage betting, multiple taxation, worker exploitation, public harassment, and fraudulent activities. The union expressed concerns over poor working conditions and the lack of representation for workers in regulatory policies. “Appointments are made, positions are given, and decisions are made, yet the workers of the industry are not captured,” Omaghomi lamented. To address this, NUGLOW plans to advocate for amendments to the National Lottery Act to ensure workers’ rights and welfare are adequately protected. To further tackle these issues, the union announced two key events: a Stakeholders Summit scheduled for December 14, 2024, and a National Delegates Conference from January 23 to 25, 2025. The summit, the union said will provide a platform for open dialogue on industry reforms and policies, while the conference aims to establish a new leadership framework for the union. These events will focus on fostering transparency, professionalism, and growth within the sector. The union also called for a paradigm shift, emphasizing the critical role of workers as ambassadors of the industry. Initiatives such as accreditation of the Gaming Workers Institute, micro-pension schemes, health insurance coverage, and thrift and savings programs were announced to improve workers’ welfare and professional standards. Additionally, the union criticised cultural and religious stigmatisation of gaming, arguing that it is widely misunderstood. Omaghomi urged stakeholders to highlight the industry’s positive contributions instead of perpetuating negative stereotypes. In line with President Bola Ahmed Tinubu’s Renewed Hope Agenda, NUGLOW pledged to align its efforts with the administration’s goals of fostering job creation, spurring economic growth, and promoting societal development.African Union chairperson candidates advocate for permanent UN Security Council seats

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Taylor Swift has made a surprise stop at a Kansas City children’s hospital, shocking parents and patients alike as she laughed with them, posed for photos and exchanged gifts. All parent Cassie Thomas was told beforehand was that she might want to brush her hair and teeth because there was going to be a special visitor. But she was stunned when Swift, fresh off her Eras Tour and one day before her 35th birthday, walked into her son's son Beckett Thomas' room on Thursday at Children’s Mercy Hospital in Kansas City. “No rumors. Like, we literally had absolutely no idea this was happening,” Thomas recalled. Her 13-year-old son, Beckett Thomas, is a cancer patient and a fan of Swift's Kansas City Chiefs tight-end boyfriend, Travis Kelce. Beckett uses a 3D printer to make earrings bearing his and Chiefs quarterback Patrick Mahomes' names, walking around the hospital unit selling them to nurses. Now, Swift has a pair as well. “She was amazing,” Beckett's mom said. “So down to earth.” Another patient told Swift that her favorite song was “Love Story" and had some questions about San Francisco quarterback Brock Purdy, whose team played the Chiefs in the Super Bowl earlier this year. Surprised, Taylor, muttered: “Brock Purdy, What? I mean, I don’t mind Brock Purdy.” She then continued: “He put me through a lot last February.” Asked before the Super Bowl whether he was prepared to disappoint Swift, Purdy responded: “Yes.” The game ended with Mahomes rallying the Chiefs to second straight Super Bowl title, 25-22 over the 49ers in overtime. “I was very stressed for a second but it all ended up fine,” Swift told the girl, their recorded conversation posted online. The girl then chimed in: “I like Travis now.” Swift responded with: “Me too. That’s an absolute yes on that one." There is no word on whether Swift will be in the stands when the Chiefs play the Browns on Sunday in Kelce’s hometown of Cleveland.

When you splurge on a luxurious beef tenderloin for the holidays, consider reverse searing as the cooking method. Reverse searing is a foolproof way to respect the integrity of a rich and tender cut of lean meat. While the term may sound intimidating, it’s a straightforward technique that ensures a luscious, evenly pink interior and a browned outer crust. Reverse searing requires a long, slow cook for the meat to reach temperature, followed by a hot sear to finish and brown the exterior. The technique is simple; all you need is a meat thermometer to rely on to gauge doneness. For extra ease, you can have your butcher truss the meat for an even cook. To truss the meat yourself, trim the tenderloin of any fat and silver skin. Fold the narrow end under the filet for even presentation and truss with kitchen string in 1-inch intervals. Begin the night before cooking: Evenly salt the meat. Then refrigerate it overnight, uncovered, to air-dry. The overnight rest allows the salt to penetrate the meat, and air-drying ensures browning when cooking. Let the meat rest at room temperature one hour before roasting. Finish with a sauce of your choice. This recipe includes a rich port wine sauce, worthy of a special meal. Reverse Seared Beef Tenderloin with Port Wine Sauce Yield: Serves: 4 to 6 1 center-cut beef tenderloin, 2 to 3 pounds Kosher salt 3 tablespoons unsalted butter, divided, plus 2 tablespoons chilled unsalted butter 1 shallot, chopped, about 1/4 cup 1 large garlic clove, chopped 2 cups beef stock 1 cup ruby port wine 1 cup full-bodied red wine 2 rosemary sprigs 2 teaspoons balsamic vinegar 1/4 teaspoon freshly ground black pepper Thyme sprigs 1. Evenly season the meat with the salt. Place the beef on a rack over a rimmed baking sheet. Refrigerate, uncovered, for 24 hours. Remove from the refrigerator 1 hour before roasting and let stand at room temperature. 2. To make the sauce, melt 1 tablespoon butter in a wide saucepan over medium heat. Add the shallot and saute until soft without coloring, 2 to 3 minutes. Add the garlic and saute until fragrant, about 30 seconds more. Add the beef stock, port wine, red wine and rosemary. Bring to a boil and continue to boil until the liquid is reduced to about 2 cups, about 25 minutes. 3. Strain the sauce through a fine-meshed sieve into a small saucepan, pushing down on the solids to extract as much liquid as possible. Add the vinegar and bring the sauce to a simmer over medium heat. Simmer until reduced to about 1 cup and slightly syrupy, about 10 minutes. Season with 1/4 teaspoon each salt and black pepper. Taste for seasoning and set aside. 4. Heat the oven to 250 degrees. Place the baking sheet with the rack and meat in the oven. Roast until an instant-read thermometer inserted into the thickest part of the roast registers 115 degrees, about 60 minutes, depending on the thickness of the meat. Remove the beef from the oven and rest for 10 minutes. Carefully remove the twine. 5. Melt 2 tablespoons butter a large skillet over high heat. Add the tenderloin and thyme. Sear the meat on all sides until well browned and the temperature registers 125 degrees to 130 degrees, basting with the butter and thyme. Transfer the meat to a cutting board and let rest for 10 minutes. 6. While the meat is resting, gently reheat the sauce over medium-low heat. Whisk in the 2 tablespoons chilled butter, 1 tablespoon at a time, until emulsified (do not boil or the sauce will break). Remove from the heat. 7. Cut the tenderloin across the grain in thick slices. Stir any juices from the cutting board into the sauce. Serve the meat immediately with the sauce. Lynda Balslev is an award-winning writer, cookbook author and recipe developer, and authors the blog TasteFood, More recipes can be found at chicago.suntimes.com/taste .

West Lafayette, INDIANA — Imagine this: Two days before your family holiday party, you get a text about an online order you placed a week ago, saying the package is at your door. It comes with a photo – of someone else’s door. When you click the attached link, it takes you to the online store, where you enter your username and password. Somehow that doesn’t work, even though you answered your security questions. Frustrated, you call customer service. They tell you not to worry since your package is still on the way. You receive your package a day later and forget all about the earlier hassle. In the end, it was just a mistake. You are unaware of the terrifying thing happening in the background. You’ve fallen for a classic package-delivery scam , and a form of “ smishing ,” or SMS phishing. And you’re not alone. One in three Americans have fallen victim to cybercrime, according to a 2023 poll. That’s up from 1 in 4 in 2018. As cybersecurity researchers , we want to spread the word to help people protect themselves. Old-fashioned threats haven’t disappeared – identity thieves still steal wallets, dumpster dive for personal information and skim cards at ATMs – but the internet has made scamming easier than ever. Digital threats include phishing attacks that use fake emails and websites, data breaches at major companies , malware that steals your information , and unsecured Wi-Fi networks in public places. A WHOLE NEW WORLD OF SCAMS Generative AI – which refers to artificial intelligence that generates text, images and other things – has improved dramatically over the past few years. That’s been great for scammers trying to make a buck during the holiday season. Consider online shopping. In some cases, scammers craft deepfake videos of fake testimonials from satisfied “customers” to trick unsuspecting shoppers. Scam victims can encounter these videos on cloned versions of legitimate sites, social media platforms, messaging apps and forums. Scammers also generate AI-cloned voices of social media influencers appearing to endorse counterfeit products and create convincing but fraudulent shopping websites populated with AI-generated product photos and reviews. Some scammers use AI to impersonate legitimate brands through personalized phishing emails and fake customer service interactions. Since AI-generated content can appear remarkably authentic, it’s become harder for consumers to distinguish legitimate online stores from sophisticated scam operations. But it doesn’t stop there. “ Family emergency scams ” exploit people’s emotional vulnerability through deepfake technology. Scammers use AI to clone the voices of family members, especially children, and then make panic-inducing calls to relatives where they claim to be in serious trouble and need immediate financial help. Some scammers combine voice deepfakes with AI-generated video clips showing the “loved one” in apparent distress. These manufactured emergency scenarios often involve hospital bills, bail money or ransom demands that must be paid immediately. The scammer may also use AI to impersonate authority figures like doctors, police officers and lawyers to add credibility to the scheme. Since the voice sounds authentic and the emotional manipulation is intense, even cautious people can be caught off guard and make rushed decisions. HOW TO PROTECT YOURSELF Protecting yourself against scams requires a multilayered defense strategy. When shopping, verify retailers through official websites by checking the URL carefully – it should start with the letters “HTTPS” – and closely examining the site design and its content. Since fake websites often provide fake contact information, checking the “Contact Us” section can be a good idea. Before making purchases from unfamiliar sites, cross-reference the business on legitimate review platforms and verify their physical address. It’s essential to keep all software updated, including your operating system, browser, apps and antivirus software. Updates often include security patches that fix vulnerabilities hackers could exploit. For more information on the importance of software updates and how to manage them, check out resources like StaySafeOnline or your device manufacturer’s official website. Regular updates are a crucial step in maintaining a secure online shopping experience. Make sure you only provide necessary information for purchases – remember, no one needs your Social Security number to sell you a sweater. And keeping an eye on your bank statements will help you catch any unauthorized activity early. It may seem like another chore, and it probably is, but this is the reality of our digital world. To protect against family emergency scams, establish family verification codes, or a safe word, or security questions that only real family members would know. If you do get a distressed call from loved ones, remain calm and take time to verify the situation by contacting family members directly through known and trusted phone numbers. Educate your relatives about these scams and encourage them to never send money without first confirming the emergency with other family members or authorities through verified channels. If you discover that your identity has been stolen, time is critical. Your first steps should be to immediately contact your banks and credit card companies, place a fraud alert with the credit bureaus, and file a report with the Federal Trade Commission and your local police. In the following days, you’ll need to change all passwords, review your credit reports, consider a credit freeze , and document everything. While this process can be overwhelming – and extremely cumbersome – taking quick action can significantly limit the damage. Staying informed about AI scam tactics through reputable cybersecurity resources is essential. Reporting suspected scams to relevant authorities not only protects you, but it also helps safeguard others. A key takeaway is that staying vigilant is critical to defending against these threats. Awareness helps communities push back against digital threats. More importantly, it’s key to understand how today’s scams aren’t like yesteryear’s. Recognizing the signs of scams can provide stronger defense during this holiday season. And as you develop your threat identification techniques, don’t forget to share with your family and friends. Who knows? You could save someone from becoming a victim.None

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