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There are many ways to make sure that your finances are in good health, as the new year gets underway.One of them—knowing how to spot a scam—is often ignored.For example, scammers could exploit the VTech data breach, which compromised the profiles of 6.4 million kids around the world, to hack identities for years.Because kids have no credit history and their parents generally don’t check their credit reports regularly, the theft might not be noticed until the kids grow up and apply for a credit card or financial aid for college.Broaddrick, now a 73-year-old grandmother living in Van Buren, Arkansas, claims Clinton, now 69, raped her in a Little Rock hotel room in 1978.Clinton's lawyers have called her claim 'categorically false'.

Here’s what you need to watch out for in 2015 was the year of the IRS scam: Scammers impersonating the IRS and intimidating consumers into paying penalties for “back taxes” accounted for nearly a quarter of all scams reported to the Better Business Bureau. Buried in the Congressional budget bill was a provision allowing debt collectors to use robocall technology to pursue anyone owing government debt—think overdue student loans and Freddie Mac and Fannie Mae mortgages.Until now, consumers were advised—correctly—that the government would never initiate contact by phone, and just this past June the Federal Communications Commission strengthened protections against debt collectors calling a cellphone to dun late-paying loan holders.In 2016, that will no longer be true—and new scams will likely take advantage of this.At a certain point, the call is interrupted and you’re asked to press #1 to make a donation. Not only have you handed over money to an unknown entity, you have opened the door to identity theft.By this time, your emotions are involved and you think, “Yes! Last year’s data hacks at extra-marital matchmaker Ashley Madison and toymaker VTech proved that scammers are after more than your credit card number.

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