UPDATED: Strategies to Avoid Getting Scammed

The scammers are devious. They are increasingly harnessing both technological and psychological weapons to trick people out of their money – especially vulnerable people like the elderly. 

I have written about scams before, and while the articles and advice in those posts are still relevant, the scammers are escalating their tactics and we need to add some more precautions to our anti-scammer protection system. 

For those who don’t want to read much, here are my anti-scamming suggestions (this is an extenion on the list I wrote here): 

Trust your gut: If you even have a slight inkling that the phone call, email, website, text, or other form of communication is a scam: STOP! We frequently have a little voice in the back of our minds that raises the issue, but we don’t pay attention: PAY ATTENTION! 

Just because they have some information about you, even something as private as your social security number, bank account number, credit or debit card number, address, or date of birth, don’t trust them! Scammers can get this information. Bad actors can access private and personal data. Don’t rationalize that, “this can’t be a scam because they have my…”

If the message is urgent, it is likely a scam. If the message is highly sensitive, it is probably a scam. If the message is emotional, it is likely a scam. If the message is shocking, it is likely a scam. Your grandchild is most likely not in danger. No government agency is coming after you. No one has hacked into your bank account. “You can’t tell anyone,” is a huge red flag! When the person on the phone or the email screams that the house is on fire and you must trust them to put it out, hang up and do the thing next on this list. 

Contact the agency or person in question the way you normally do! If the email or caller says they are from your bank, hang up and call your bank. If they say that there has been a car accident and your relative needs help, call that relative (and if you can’t reach them, call someone close to them whom you trust). As the photo shows, links can look like they are correct and lead you to the wrong website. If you have a browser bookmark for your brokerage account, use that link– never click on links in texts or emails! 

Don’t give ANYONE your private information. Period. Don’t confirm your private information. Period. Of course, if you call your doctor, banker, broker, or other trusted source, you can do that. However, if someone contacts you and claims to be from their office – or even sounds like them – nope! 

Fakes are easy to create! Scammers can spoof phone numbers, so don’t trust the caller ID. Spammers can fake people’s voices, so just because it sounds like that person doesn’t mean it is that person. Spammers make website addresses, links, emails, and phone numbers look like the real thing. That is why you must always use the contact information that you have used in the past and know 100% is, in fact, the real thing – not the link, email address, phone number, or other method that they are feeding you. 

If there is even a tiny chance you are on the phone with a scammer: hang up! Then contact the organization using your regular contact method. Pro tip: if you are on a cell phone call and turn it to airplane mode, the person on the other end will see a “call failed” message. To really sell it, do this in the middle of a sentence or word. 

Don’t use passwords, passcodes, PIN numbers, or other private unlocking strategies in public - EVER. Don’t unlock your phone at the bar. Go inside the bank and cover your PIN number with your hand at the ATM – or better yet, use a teller. Never use passwords on public wifi networks. Learn to use passcodes like your face, fingerprint, watch, or USB keys. 

Don’t do strangers favors: Lots of scammers take advantage of your good nature. They ask to use your credit card at the gas pump because they only have cash. They ask you to loan them money. They ask all sorts of things. The answer is no! While sometimes, they really are people in need: more often, they are scammers. Give to charities and social service agencies and call them when people are in need - if people approach you directly, be suspicious. 

If you have other strategies, send them to me and I will add them here (and credit you, if you are okay with that – I can also credit you with just a first name or initials). 

Here are a few articles to give you the flavor of what scammers are doing: 

“Lake Co. Resident Nearly Loses $20K In PayPal Scam”

“AARP sounding alarm on fraud, offering helpful resources to victims”

“10 Security Settings That Protect Your iPhone From Thieves”

“How to Avoid Pump Switching Scams at the Gas Station” 

“How to Protect Your Parents From Elder Fraud and Scams”

“How to Protect Your Finances From Identity Theft”

“This 'IRS Letter' Is a Scam”

“These Financial ‘Experts’ Got Scammed, so You Can Too (Really)”

UPDATE: 

Some dear friends replied and added the following:

Beware when the person texting you says they can’t or won’t answer a phone call from you because they are “driving”… it’s really because you would instantly recognize that they are not who you think you are texting. If you think about it, people who are driving would really prefer talking over texting as that would be safer!

Many scammers are from foreign countries and English is not their native language. Therefore, be aware that even the SLIGHTEST English grammar or syntax error should alert you that the person is a foreign scammer who has a high level but not perfect proficiency in speaking English.  Even a SINGLE WORD misused that would not be said that way by a native English speaker should be a huge red flag to you.

If a person asks you to pay for an item via Zelle be aware that, unlike a credit card payment, money sent by Zelle cannot be retracted or credited even if you later can verify it was sent to a scammer. Never use a phone number or email link sent by the person to make a Zelle payment, as your money is probably not going to the person you think it is.

If you are purchasing an item and the main message to you focuses on receiving the payment rather than the details of the item itself that should clue you into the fact that all they want is to get your money from you.

If you are communicating with someone via Facebook messenger and then switch to texting but they won’t talk out loud by phone call that’s a clue that they are trying to hide their true identity.

If the party refuses to take a check as payment and insists on using electronic payment via Zelle, Venmo, or PayPal that’s a clue that it’s a scammer, as the scammer wouldn’t be able to cash your check, especially if located in a foreign country,

If the person selling an item says you need to pay them because other people are also trying to buy the same item, be aware that it’s probably a lie and trick to make you pay sooner rather than later.

Try to buy items from established online retailers like Amazon, Wal-Mart, etc, and not from Facebook marketplace or unknown retailers.

If someone asks you to text back a Google phone code and you do they might create a Google Voice phone number that links to your phone, thus compromising your phone! 

Beware of scammers who say that they are checking that you are not the scammer! How ironic! 

Thank you to my friends for these strategies! 

Reading for Treasure: Protecting Your Information and Privacy

Reading for Treasure is my list of articles (and other readings) that are worth your attention. Click here for an introduction.

Once again, here are some articles to keep you safe as you use your technology. Specifically, how to thwart being tracked or scammed by devices, websites, advertisers, and others. 

This video from CNN includes a password tip that is genius and I have never heard of before. I am not going to list it here, but listen for the word “salt” in the video: "Here's how to keep your passwords safe, according to a hacker.” 

Wired provided a simple and common sense list of “6 Things You Need to Do to Prevent Getting Hacked.” Read the article, but I’ll list them here: Use multifactor authentication, get a password manager, learn how to spot a phishing attack, update everything, encrypt everything, and wipe your digital footprint. If any of those terms are foreign to you, take it as a sign you need this article. 

A great compliment to the above article, Propublica’s article, “A Former Hacker’s Guide to Boosting Your Online Security.” provides a straight forward and simple list of ten things to preventing stolen data, identity theft, and other online hazards. Again, I’ll list them here, but read the article for more: stop reusing passwords, delete unused accounts, use multifactor authentication, manage your privacy settings, think before you click, keep your software up to date, limit what you’re sharing online, security your SIM, freeze your credit reports, and back up your data! 

Lifehacker is also a great source for digital safety. Here a short and simple article that lets you know “How to Tell Which Apps Can See Your Private iPhone Data.” It is an older article, but still worth reading. 

This somewhat scary article from The Conversation via Inverse is a good overview of how your use of technology may put your privacy at risk: “Here’s exactly how tech companies and apps conspire to track you 24/7.”

Yes, emails can snitch on you. Many emails report back to their senders if you opened them, when you opened them, and even for how long you engaged with them. Want to stop this? Read this article from Wired: “How to Tell Which Emails Quietly Track You.” If you use Apple devices, this Lifehacker article, “How to Stop Email Trackers on Your iPhone, iPad, and Mac” will help you with this issue and more. 

A new form of hacking is to use free USB charging stations. Apple Insider discusses, “What juicejacking and trustjacking are, and how to protect yourself.” The basic piece of advice here is, if your phone asks you “Do you trust this computer?” or “Allow this device to access.. and you are not connected to your home computer, say, NO! 

How many of us have lost our phones or have had our phones stolen?  We may feel safe because our phone is locked with a passcode, fingerprint, or our face. Lifehacker says, “Your iPhone Is Still Vulnerable When It Is Locked” and then helps you secure it! 

And it is worse than that: Lifehacker provides instructions on how to use screen time on the iPhone to prevent a stolen phone from becoming a stolen Apple account or worse: "How Screen Time Can Save You When Your iPhone is Stolen." 

I am currently reading The Paper Menagerie and Other Stories by Ken Liu

Reading for Treasure: Articles I Can't Stop Thinking About

Reading for Treasure is my list of articles that are worth your attention. Click here for an introduction!

My theme this month is articles that have taken up residence in my head, that I cannot stop thinking about. I strongly recommend you read them. Many of them will probably end up being the seeds of my own writing on this blog. 

Lifehacker contrasts two thinkers who have confronted evil: Dietrich Bonhoeffer and Donald Ewen Cameron. The piece asks what is the difference between being evil and stupid: “Why Stupidity Is More Dangerous Than Evil.”

When I was first hired as a teacher, I told my department chairman that I wasn’t going to give grades. He said I had to, so I said I would give everyone A’s. He said that wasn’t going to work either. So, I tried to make the idea of grades fit with real student-centered education. These two pieces about how institutions of learning are rethinking grades are excellent discussions of this issue: KQED’s “Some colleges mull the idea of 'Ungrading' for freshman students” and Wired’s “The End of Grading.”

Similarly, I struggled with kids’ use of their smartphones in the classroom. I ended up hanging a shoe tree near the door and requiring my students to relinquish their phones during class. This also made taking attendance quick and easy. This wonderful article in The Atlantic looks at “The Schools That Ban Smartphones.” 

This quick article from The Daily Herald addresses a question I have been asking since I moved next door to the school at which I taught and my children attended: “It’s Good For Kids and the Environment. So Why Aren’t More Students Walking to School”

As a follow-up to several sets of articles about gun violence, The Chicago Tribune addressed a part of this issue that does not receive enough attention. While we hear about people killed and injured by shootings, we don’t hear about how those who are shot cope afterward: “Doctors: A firearm-related injury is a chronic and expensive condition, but many victims are forgotten.” 

Two very political articles from The Atlantic fascinated me. As a former debate teacher, the “Gish Gallop” technique that the former president uses is both effective and highly problematic. “How To Beat Trump in a Debate” is a great analysis of more than Trump’s rhetorical style, but the philosophy behind it. Similarly, “Why Fox News Lied to Its Viewers” looks at how ratings and pandering to the desires of an audience were more important than journalistic ethics on the Fox News Channel. Is there a connection here? 

Finally, two more articles from The Atlantic (can you tell that I am a huge fan of that magazine?) about reading. First, “The People Who Don’t Read Books” looks at some high-profile people who are proud that they don’t read. Second, “A New Way to Read ‘Gatsby’” was fascinating to me as I finished Nghi Vo’s magical spin on Fitzgerald’s classic, The Chosen and the Beautiful. Read them both and you will see why this book has staying power. 

Besides The Atlantic, I am reading Stars in My Pocket Like Grains of Sand by Samuel Delany. 

Reading For Treasure: An End of the Year Digital Grab Bag!

Reading for Treasure is my list of articles (and other readings) that are worth your attention. Click here for an introduction!

Since we are all sending so much time on our digital devices, here is a grab bag of articles to make both your online and offline life safer, healthier, and better.

If you use an iPhone, it is time to retire those old “in case of emergency” designations in favor of the phone’s built-in emergency contacts. You can make any contact an emergency contact by editing it and selecting “emergency contact.” In addition, this article from Apple World goes one step further and explains “How to Send Your Medical ID to First Responders in an iPhone Emergency Call.” During a pandemic, this seems like a feature to activate. 

Many of us are spending hours and hours on our devices. If these devices break or lose our data, we may have significant problems. That is why it is critical to back up everything – and I mean everything. Wired Magazine has a good overview of this: “How to Back Up Your Digital Life.” If your answer to “what would happen if your computer crashed?” Is that you would be up the creek, consider reading this and backing up everything! Remember, you probably want to back up your phone, too! 

Often the weakest link in your digital armor is your password. Some of us use the same password all the time. Some of our passwords are easy to guess, even if you don’t know us well. Some of us have answered quizzes or done those Facebook questionnaires and shared the answers to every possible security question with the world. The key to good passwords is making them long and complex, but that means they are difficult to remember (and to crack). The key to making long passwords usable is a good password manager. I use 1Password, but there are many to choose from. Here is an Engadget article to get help you start using one: “It’s time to start using a password manager: Here’s how”

Finally, two good pieces from one of my favorites, Lifehacker. First and most important, “Never Email Your Social Security Number, I Am Begging You.” The title says it all, but I will add this: please think of any unencrypted email (which is probably all of our emails) as a postcard, not a letter. There is no envelope and anyone on all the systems it passes through (and there are many) could look at it. 

Finally, since we are sitting in front of screens all the time, we need to protect our necks, backs, wrists, eyes, and the rest of our bodies. Lifehacker also provided a good guide to make sure that you are not making yourself sick by the way you are using your computer: “How to Ergonomically Optimize Your Workspace”

I am currently reading The Peripheral by William Gibson

Reading for Treasure: February

Reading for Treasure is my list of articles that are worth your attention. Click here for an introduction! Here are some articles to read discussing how we can both mentally and physically protect our children and ourselves:

10 Reasons Teens Have So Much Anxiety Today: This quick article from Psychology Today lists specific reasons that teens today may be much more anxious than we were at their age. It is a good checklist for parents!

Teach Your Kids To Value Empathy Over Tenacity: Years ago, my congregational rabbi’s High Holiday sermon asked, “Would you rather your children be successful or good?” Kids know what we really value by our behavior, even if our actions don’t always match. This short Lifehacker article provides a good example of why empathy should be higher on most parents’ lists.

Encourage Teens to ‘Speak Before You Send’: This Lifehacker article is a great companion to the one above. I think we hear language very differently than we see it. When I just read my text or email in my head, it sounds fine. When I read it aloud, I hear it very differently. This is makes reading aloud a great editing tool – not only for writing skills but for empathy as well.

Bicyclists Should Be Shamed Into Wearing Helmets: This Chicago Tribune column takes a humorous angle on a very simple message: wear a helmet when riding a bike. I love the old man voice in this article. When my kids were growing up, we always said that you only needed to wear a helmet if you had something to protect…

10 quick thoughts on mobile phones in schools: This quick list from Dangerously Irrelevant really says that the problem is not phones. There are other issues and classroom phone struggles are really about teaching, the structure of schools, and the use of technology for learning. I agree!

I’m currently reading The Fated Sky by Mary Robinette Kowal

Eight Rules to Prevent Public Self-Stimulation

It must have been an interesting sight; from the performer’s point of view, the three people at the back of the recital hall were looking at their laps, making small movements with their arms and hands, and periodically smiling and sighing. What might they be doing?

If you are thinking what you might be thinking, you aren’t far from correct. Although it would not get them arrested, they were involved in the new socially acceptable form of self-stimulation: use of their smart phones.

I was sitting next to them. While every singer in the recital may not have ready for Orchestra Hall, none deserved to be upstaged by texting, solitaire, or Facebook. And while they may have only been there to watch one performer, when that child was done, the polite and respectful thing to do would be to quietly listen to other singers. Their act was not as egregious as public masturbation, but it was inappropriate and rude nonetheless.

Smart phones are ubiquitous. Despite the constant reminders to turn them off, they ring in cinemas, theaters, religious services, and other inappropriate places. Worse, people use them in ways that are distracting, disrespectful, and dangerous. Why do they do this? Why can’t we keep our hands off our phones?

I am a gadget guy. I like electronic toys. I understand how much fun it is to have a new phone and explore the new tools it presents. However, smart phone novelty does not seem to wear off for some people. The rude use of smart phones is not about the gee-whiz factor.

Blackberries were called crackberries because their users became addicted to them. Is that what is happening? Do we feel compelled to check our emails, text messages, Facebook posts, and fantasy sports leagues? Do we start to sweat and shake if we aren’t connected to the people who aren’t physically in front of us? Do we worry that our clients or followers will leave us if we don’t reply to them immediately? While some people may have jobs that require constant communication, I do not think that staying in touch is the key cause either.

Frequently, I see children with smart phones or tablets in restaurants. Their parents often have them out while pushing the kiddies in the strollers. They are all over subway trains. Why do we feel the need to finger our devices or give them to our children?

Many of us are building up a tolerance for real world engagement. The actual physically present world is not enough. It does not provide us with the gratification and entertainment that our electronics do when we jack in.

Our public use of smart phones and other electronics is a sign that people no longer find adequate stimulation in the environment around them. The movie (even if it is on a huge IMAX screen) is not entertaining enough. We must text. The dinner, lecture, service, or conversation pales in comparison to Candy Crush.

What do we do about this? We could increase the razzle-dazzle of day-to-day life. We could have video cells on our clothing; we could play music from our shoes and project engaging images from our bow ties. We could amp up the real world so it competes more favorably with the little screen in our laps.

Or we could exercise self-control. After all, we don’t have people masturbating or having sex in public even though that would be more “interesting” than boring old mundane life.

So here are eight suggestions for polite and appropriate use of smart phones:

1. Do not use smart phones when there are people physically present: interact with them.

2. Do not check email, texts, or other forms of communication in public. Move to a private area and wash your hands afterward.

3. Keep your phone on silent when you are with other people. Set your default ringtone to silent and only assign ring tones to people whose calls would be important enough to answer right away.

4. No phones on the table. A phone on the table means you are waiting to use it. When we are eating or meeting, phones should be out of sight and hearing!

5. Never let your electronics come between you and an interpersonal interaction. Would you like someone to step between you and the person with whom you were talking? That would be rude! Don’t let your phone do that either. Why is the phone more important than a live person in front of you?

6. Be considerate about how your use of electronics may affect others around you. While you may feel alone in the theater, your texting is distracting to the other members of the audience.

7. Pledge to never touch your phone while you are the driver in a car. Insist the same of anyone driving a car in which you are riding. Reinforce this rule with young drivers.

8. Talk about cell phone use when it comes up. Ask the person who has whipped out his phone, “Why do you think people are constantly on their phones?” While this may seem difficult and even rude, is it as rude as the act of letting the phone interrupt the conversation? Perhaps the person on the phone’s child is ill, or his parent is in the hospital. That provides an opportunity for real human interaction. If he is just checking the Cubs score, it says that you were just too boring. You need to know that. So does he.

Let’s think about why we feel compelled to use our phones. Let’s critically examine how phones are affecting our relationships and our public environments. Let’s reassess our need for stimulation. And let’s reconnect to each other, and bring back a sense of public responsibility, decency, and discourse.

Put Down the Phone!

Not long ago, I was in an Imax movie and there were several teenage girls sitting next to me. The screen was BIG and the sound was LOUD. It was a very engaging experience. Yet, these girls were texting through it!

I came home to find that my son had a few friends over. They were seated at the kitchen table playing games on their phones. They were in their own worlds. The boys without smart phones were left out and eventually went home.

At my daughter’s college orientation, there were many parents who, despite having traveled to learn about their child’s college, were on their phones throughout important presentations.

Then there are those who cannot put down their phones even when it endangers their own or others’ physical safety. There are far too many drivers with their eyes on their phones instead of the road!  

What is going on here?  Why are we so obsessed with our phones? Why does using our technology supersede all other concerns? We make a statement with our phone use. We tell the people around us what is REALLY important to us.

Here are some my guidelines for smart smart phone use:

1. No use of the phone while driving. Not at stoplights. Not hands free. Not voice command. While I am driving, I drive. If my phone rings and I need to use it, I pull over.

2. I don’t do phone “work” in public amidst social gatherings. If I must send an email or text, I excuse myself and go to a private spot and do my business.

3. I do not use my phone as a toy when I could interact with the people around me. Waiting rooms, airports, and other solitary places are good spots to play games, read newsfeeds, or check websites. If it would be rude to read, it is not okay to use the phone.

4. I think it is acceptable to use my phone as a point of conversation. For example, I may show people photos on my phone or use its resources to find a restaurant, look up the answer to a question raised in conversation, or demonstrate something. In this way, the people around me are sharing my phone.

5. When I am having a phone conversation, I speak more quietly and go to an area away from people having face-to-face conversations.

6. I do not pull out my phone during public performances, presentations, or events. If there is an unavoidable reason to use my phone during a concert, speaker, or movie, I leave the room. And my phone is completely silent from the moment I enter a performance space!

7. The people present may not be ignored. If my phone rings and interrupts a conversation, I treat the people around me with the same respect I would give callers I am about to put on hold – and I do not leave them hanging for long. This is similar to the situation where, when I am talking to someone, my child comes up to me and asks for my attention. It is socially acceptable and appropriate to say to those with whom I am talking, “Excuse me for one minute, my kid needs me. I’ll be right back.”  The key here is that it must be this kind of situation. Which leads me to:

8. I am highly selective about which calls I will take. My default ring tone is silent. Only people I want to hear from are assigned a ringtone. My family and my close friends have individual ringtones. So I know who is calling without looking at my phone and many callers are simply directed to voice mail when I am otherwise engaged.

The big rule is people first, phones fourth.

My Rules of the Road

My niece is just learning to drive. My daughter has been driving for almost than two years. It is critically important to teach them to drive well since what they see on the road is often dangerous, rude, and thoughtless. I start with my three driving commandments:

• If in doubt, don’t. If you are wondering if you have enough time to turn left, don’t. If you think it might not be legal to make a U-turn, don’t. If you aren’t sure about any move behind the wheel, don’t do it!

• You are never in a hurry behind the wheel. Even if you are about to miss the train, curtain, or opportunity, you have all the time in the world once you get in the car. If you are pulled over or get in a crash, you will be far later (double meaning intended) than if you took your safe and slow time.

• Nothing fast. Don’t drive fast. Don’t make fast decisions behind the wheel. Don’t try to out maneuver other vehicles. Fast quickly creates problems.

Beside my commandments, I have my car-dinal sins. If my young drivers see these as selfish and hazardous, perhaps they will be less likely to drive badly and more likely to arrive home in one piece.

• Failure to use signals: Turn signals serve two functions: safety and courtesy and both important. Nonetheless, never trust turn signals: wait for the vehicle to make the actual turn first.

• Throwing your butt out: Although I don’t use them, most cars have ashtrays. There is no reason to throw cigarette butts out the car window. People are free to pollute their bodies, but they shouldn’t pollute the world our children drive through.

• Squeaking through the intersection after the arrow or light has changed: How many times does an extra vehicle (or two) zip through a busy intersection after the light is red or the arrow is gone? Are a few saved seconds worth a crash?

• Not taking your turn at a stop sign: It goes without saying that one should actually stop at a stop sign. However, many drivers think that is all they have to do regardless of other vehicles. Many cars stop briefly and then move through the stop sign even when others are waiting. The car that arrived first goes first. If two cars arrive at the same time, the car going straight has the right of way.

• No lights when the weather requires wipers: In Illinois, the law states that, if you are using your wipers, you must turn on your headlights. Duh! In the rain, fog, and snow, lights permit drivers and pedestrians to see oncoming traffic. I have my headlights on 100% of the time. It doesn’t save power or money to keep them off. Would that be any consolation if you hit someone?

• Put down the phone! My biggest driving sin is use of phones. Whether drivers are dialing, sending text messages, or talking, it is the most dangerous distraction. Every driver can tell stories of seeing people driving inappropriately because they were yakking away on phones. Most of us have had frightening moments due to drivers on phones. Towns and states should ban hand held phones while driving. I wish they’d stop more drivers and use traffic cameras to catch these fools. I hope that people change their habits before someone I love is one of their many victims.

Most traffic crashes aren’t accidents. Most are due to selfish and thoughtless driving. Our kids are watching. They are hearing what we say but more importantly, seeing how we live up to our professions. There are too many poor examples for them to follow. Let’s provide them with good models.

Street Smart or Street Stupid?

When we say, “street smarts,” we are usually talking about practical knowledge. People who are street smart, as opposed to book smart, have practical knowledge and can handle themselves in rough and tumble situations.

I want to talk about street smarts in a more literal way. I am concerned that people are not smart in the street. In other words, that their behavior as the drive and bicycle makes me wonder if we need a new term: street stupid. My daughter is a brand new driver and is often shocked at how poorly many people drive. I told her, “Not all people are poor drivers, but most of them are.” I think too many of us are street stupid and it could be deadly.

Yesterday, I saw a dad riding bicycles with his two children. Both children were wearing helmets but Dad was not. I can see the situation: Dad hits one of the many potholes in our streets and is incapacitated. Now what do the kids do? Perhaps dad is either so hardheaded or stupid that a helmet won’t make a difference. If we want our children to take proper safety precautions, what message do we send them when we fail to take those precautions ourselves? Unless there is nothing in your head worth protecting, why not wear a helmet? We need to model street smarts for our kids!

As I continue to teach my daughter to drive, I instructed her to always assume a bicycle will ignore the traffic rules. It is such a wonderful and rare exception when a bike stops at a stop sign. It is my experience that many bikes don’t even stop at traffic lights. Forget about riding in a single file line, many bikes are all over the road. Too many times, I come around a curve or turn a corner to find a bicycle heading directly toward me. Usually that rider has no helmet. Duh!

Street stupidity by bikers is liable to get them hurt or killed. When car drivers are street stupid, they are more likely to kill innocent people. How hard is it to turn on the headlights of your car? The car creates electric power, so there is no cost. The bulbs last for a long time. In my state, the law requires motorists to use their headlights if they have their windshield wipers on. Wait a minute. Isn’t that common sense? Next time it is raining or there is fog, count the number of cars without headlights on. Stupidity is rampant.

However, the place where street stupidity is an epidemic is the use of cell phones while driving. There has been a great deal of coverage of this issue in the popular press - using a cell phone, even if it is with some kind of hands-free device, is a driving distraction akin to drunk driving. How many times have you passed a driver going too slowly, driving dangerously, or not paying attention only to see that driver talking on a phone? But of course, we are better than that. We can talk on our phones and drive safely. Can we? Really? Always?

Driving while texting boggles my mind. It is in another universe from any of the other forms of street stupidity. According to the New York Times, people sending text messages will look away from the road for as much as five seconds. Think about how far a car going only thirty miles an hour can travel in five seconds. Think about the damage it can do. According to a Pew Research Center report, 27 percent of all adults and 26 percent of teens report sending text messages while driving! That means that one or more of the drivers near you on the road is probably looking at the phone and not the road.

So here is the gambit: is the cell phone call or text message worth an accident? Is it worth someone’s life? That is a loaded question. I thought about starting this posting with a quiz on each of these issues. But everyone knows the right answers. No sane, reasonable person would say that a text message or phone call was worth the pain an accident, even a minor one, would cause. Then why are so many people street stupid?

We can only hope that they don’t hurt people close to us.