I made sure to put up a picture of my wife and me (that’s us, below) as my profile picture on social media sites (after a “less romantic” picture of us led the scammer to claim this was his niece). Some are legitimate, but others are sleeper accounts just waiting to be activated and used in the future. I can’t get them taken down unless they use one of my profile pictures, which I frequently catch them doing. I discovered that there were a dozen Facebook profiles using my name and pictures, so I started getting them taken down.Įven today, there are nearly 20 accounts on Facebook with the name “Robert Rapier” but with no profile picture. I got the profile taken down, but for a while new profiles popped up as quickly as I could get them removed. He had accrued several hundred followers. The scammer had set up a profile in my name on Instagram. That should have alerted the woman that something was wrong. The woman sent my wife screenshots of these conversations, and my wife immediately responded “My husband doesn’t talk like that.” The English was very broken. They indicated they were on an assignment overseas, and they had already pressured the woman for money.
They used my profiles at places like Investing Daily and Forbes to bolster credibility. In contrast to the message above, in this case a scammer was actually pretending to be me. I told my wife that I had no idea who this woman was, so she investigated. Let me tell you, that’s a dangerous thing to have your wife hear while you are in close proximity to her. She just wanted my wife to know that she and I were having an online affair. Three years ago my wife and I were sitting on the couch together, and a woman messaged her (again, on Facebook). I wanted you to know this because he has been using your photos deceiving me and probably others.”īelieve it or not, this didn’t come as a surprise to me. He is apparently a scammer but I don’t know who he really is or where he is from. I was very stupid and I believed he would repay me. He said his name is Bryan Shawn and he told me he lives in Livingston, Texas. I met a man on Instagram in Feb 2019 who scammed me over several months of over $80,000. “I have many pictures of you on my phone. Last week I received the following message on Facebook from a woman in Indiana: Simply put, don’t get scammed by someone pretending to be me! A Popular Scam I want to talk about a particular type of fraud that is primarily targets older widows, because it hits very close to home for me.
When targeted at retirees, it can sap you of the money that is supposed to last through your golden years. Sometimes that involves covering how to avoid being defrauded, which is what I want to discuss today.įraud costs Americans billions of dollars every year. This study supports my strategy of selling puts with 2-to-5 month expirations and buying LEAP call options with one year or longer expirations.Each week I use this column to convey a bit of investing insight or to provide some personal finance tips. At fixed 12-month or longer expirations, buying call options is the most profitable, which makes sense since long-term call options benefit from unlimited upside and slow time decay. Table 2 on page 27 of the 2006 study ranks option strategies in descending order of return and selling puts with fixed three-month or six-month expirations is the most profitable strategy. When three-month options are used, written put portfolios for all moneyness levels (OTM, ATM, ITM) generate high returns and exhibit positive abnormal performance. However, some option portfolios exhibit risk-adjusted performance which exceeds that of the benchmark stock-only portfolio. In agreement with previously presented results and prior literature, many option portfolios have risk-adjusted performance worse than the benchmark portfolio.
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