Okay, Vicki. So most of the time, if a vacation offer seems too good to be true, you say it probably is, right?

That is so true. In fact, there's a brand new scam I want to tell you about, Andrea, that I just heard about. It was through a friend of a friend who said she was working with what she thought was a legitimate travel agent. This person would say, "Book your travel through me. I will put it on my," quote, "corporate card and that's how you get the discounts." And this victim told friends, they told family, and over the course of a year or so, people were booking vacations that were extremely discounted and they were paying via Zelle to this travel agent.

Oh.

Now, this is something I am in the process of investigating. I had never heard of a scam like this before, but I have talked to multiple victims who say they're kind of left holding the bag because what the banks will say is, "You willingly transferred this money to someone." So, my first piece of advice is if the price is too good to be true, be very, very careful. But it's not just price. It's also how are they asking you to pay? Are they asking you to pay with a gift card, with Venmo or Zelle or Cash App, some kind of peer-to-peer payment system that may not have the kinds of protections as a credit card? I would be very, very wary.