Five scams that target adults over 50 — and one fridge cheat sheet.

Someone calls, or texts, claiming to be your grandchild in trouble. They ask you to send money right away, often as gift cards, and beg you not to tell their parents. The right move is to hang up and call your grandchild on the number you already have saved.

A loud message pops up on your screen saying your computer is infected and gives you a phone number to call right away. The people at the other end are not Microsoft, Apple, Google, or anyone you actually paid. Close the browser; if you're worried, run a real scan or call us.

Someone slides into your messages, on a dating site or a social platform, and quickly becomes very attentive — long messages, big compliments, urgent reasons to move off the platform. Money, gift cards, or 'help' with a sudden emergency are the ask, even though you've never met in person.

A text says a package couldn't be delivered and asks you to tap a link to reschedule. The link is not USPS, UPS, FedEx, or Amazon — it just installs bad software or tries to take your card. Open the delivery app yourself or wait until the real tracking number lands in your email.

A caller says they're from Medicare or the IRS, that something is wrong with your account, and that you owe money — usually in gift cards or a wire transfer. Neither agency ever calls unprompted to collect money. Hang up; call the number on your Medicare card or at irs.gov.