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◆ For Your Money & Life · spotting scams

Spotting scams & bad advice

Scams don’t look like movie villains; they sound like rushed, friendly shortcuts to money, safety, or love.

97ready prompts
freeto start
~1 mineach
See them ↓All of it

What AI quietly does for you

97 of them — tap, copy, paste
Check if this is a scamPaste the exact message, email, or ad you got here: [paste text]. Tell the AI: “Explain in…+
Paste the exact message, email, or ad you got here: [paste text]. Tell the AI: “Explain in simple terms what this person is asking me to do, what they get, what I lose, and list clear red flags if it’s a scam.”
when the reply comes backAsk the AI to rewrite the scammer’s pitch as: “I want your money and here’s how I’m tricking you.”
Test a ‘too good’ investmentPaste the investment offer or summary here: [paste]. Ask: “Explain exactly how this…+
Paste the investment offer or summary here: [paste]. Ask: “Explain exactly how this investment makes money, who controls the money, what could realistically go wrong, and whether the promised returns are believable compared with normal bank deposits and index funds in [my country].”
when the reply comes backIf the AI can’t clearly explain how money is made, treat the offer as unsafe and walk away.
Do a 60‑second company checkWrite: “Look up this company: [company name, website, country]. Check government…+
Write: “Look up this company: [company name, website, country]. Check government registries, financial regulators, and scam-warning sites in that country. Tell me if it’s registered, what licenses it should have to do what it claims, and any warnings about it.”
when the reply comes backIf it’s unregistered or licensed for something different than it’s selling you, don’t send any money.
Verify a ‘broker’ or adviserWrite: “I’ve been contacted by a broker/adviser: [name, company, country, website, phone].…+
Write: “I’ve been contacted by a broker/adviser: [name, company, country, website, phone]. Tell me which regulator in this country licenses brokers or advisers and how to search their register. Then list the exact steps I should take to check if this person is genuine.”
when the reply comes backActually follow the steps and confirm the name, number, and firm details yourself, not via links they send.
Sanity‑check amazing returnsWrite: “Someone is offering me returns of [X% per month or year]. Compare that to typical…+
Write: “Someone is offering me returns of [X% per month or year]. Compare that to typical safe returns (bank deposits, government bonds, big diversified funds) in [my country]. Explain in plain language how risky this level of return usually is and common scams that use numbers like this.”
when the reply comes backIf returns are far above normal with ‘no risk’, assume it’s a scam until proven otherwise.
Spot fake ‘guaranteed’ profitsPaste any line that says ‘guaranteed’, ‘can’t lose’, or ‘safe high returns’: [paste]. Ask:…+
Paste any line that says ‘guaranteed’, ‘can’t lose’, or ‘safe high returns’: [paste]. Ask: “Explain why genuine investments almost never guarantee high returns. List the few exceptions (like government bonds, insured deposits) and why this pitch is almost certainly misleading.”
when the reply comes backIf the word ‘guaranteed’ is tied to high returns, your default answer is no.
Check a crypto or NFT pitchPaste the entire crypto/NFT pitch here: [paste]. Ask: “Explain what this project actually…+
Paste the entire crypto/NFT pitch here: [paste]. Ask: “Explain what this project actually does, how the token or NFT gets its value, who controls it, what can go wrong, and whether this looks like a Ponzi, pump‑and‑dump, or rug pull based on common scam patterns.”
when the reply comes backIf value depends mainly on ‘more people joining later’, treat it as gambling money at best.
Review ‘AI trading bot’ claimsPaste the sales page or message about the AI trading bot: [paste]. Ask: “Explain in…+
Paste the sales page or message about the AI trading bot: [paste]. Ask: “Explain in everyday language how this bot supposedly makes money, whether similar tools exist from trusted firms, and list scam red flags specific to trading bots.”
when the reply comes backIf they want you to send money to them instead of connecting to a known broker, back away.

Real questions

honest answers

Scams work because they go around your logic and straight for your emotions: fear, excitement, shame, or the wish to help or belong. Good scammers sound patient, friendly, and ‘professional’; they use bits of real information, fake websites, and rushed deadlines to stop you thinking too long. People get caught when they’re tired, stressed, lonely, or under time pressure—not because they’re stupid. The goal is not to be perfect and suspicious of everything, but to slow down any time money is moving, double‑check through another channel you control, and have a simple routine—like the tasks above—that makes it harder for someone to catch you off‑guard.

Real opportunities in money—whether that’s a fair investment, a good job, or a grant—do not vanish just because you take a day or two to read the details and ask questions. Only scammers and very pushy salespeople insist you must decide right now, pay today, or never see such a chance again. Quiet, long‑term ways to build wealth—workplace pensions, index funds, SIPs, ISAs, 401(k)s, government bonds, building a business—will still be there next week. If saying “I need time to check this properly” makes someone angry or they push harder, that reaction itself is your answer: they are more interested in speed than in your best interest.

Losing money to a scam is painful and embarrassing, and scammers count on that shame to keep you silent and isolated. It doesn’t mean you can never trust again; it means you now use trust differently. You can still use banks, brokers, apps, and online shops—but you lean on clear rules: only deal with firms you can find on official government or regulator lists, never act on surprise calls or DMs, never share codes or passwords, and never rush big decisions. Treat recovery services, ‘scam refund’ offers, and miracle fixes with even more suspicion—many are second‑round scams. Talk to your bank and local consumer or financial authority; they have dull, safe systems for help, and dull and safe is what you want now.