The 50+ crowd is especially vulnerable to phone scams because we are a trusting lot. The easy rule is this; if you don’t know the person calling you, you MUST assume that it is NOT a legitimate call. Tell them to send you information in the mail or give you a number that you can call them back at. Just these simple ideas will thwart most scammers. Lastly, don’t be afraid to just HANG UP.
Here is a hilarious video of how someone who knew the caller was a scammer made them nuts. It will make you laugh, but the lessons are real.
Here is a good book about how to be smart about scams; Outsmarting the Scam Artists: How to Protect Yourself From the Most Clever Cons