The Federal Trade Commission reports that people in their 20s and 30s are 25% more likely to report money lost to fraud than people 40 and over. But it’s not only the elderly who fall prey. It seems easy to avoid, but identity scams cost Americans $56 billion last year, affecting around 49 million people. Once you call or click, you’re instructed to hand over remote access or to provide credit card information to fix a problem your computer never had. There’s an 800 number or a live chat window offering to help. We’ve all been there: While using your computer or phone, you get an alert or an email from a company that’s supposedly your computer or phone manufacturer. Here's a roundup of commonly used tech tricks and traps