•Grandparent scams: Callers pose as grandchildren who need money for bail or because they're stranded in another country.
•Sweepstakes: A letter, check or e-mail announces the victim is a winner. First, however, the senior must send money for taxes or fees.
•Telemarketing cons: These include come-ons for products victims don't need.
•Phishing: E-mails from fake websites that persuade victims to provide their bank accounts, Social Security numbers or passwords.
•Health-care fraud: Seniors are asked to send their Medicare cards for replacement, pay someone to help them obtain Medicare rebates or buy worthless supplemental insurance.
•Work at home: First, however, the senior must send money for training or materials.
Sources: Sentinel research