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in General Elder Fraud
yahoo.com
· 2025-12-08
"Blessing scams" targeting elderly Asian women are rising globally, particularly in Chinese communities across the UK, US, Australia, and Canada. The scam involves groups of women using scripted Cantonese conversations to convince victims that spiritual blessings can save their family members, then persuading them to surrender valuables in exchange for fake "blessed" items. Victims have lost life savings and possessions, while police investigations in major cities have resulted in few arrests despite multiple reports.
foxnews.com
· 2025-12-08
Americans lost $5.6 billion to cryptocurrency scams in 2023, a 45% increase from 2022, with over 69,000 complaints filed to the FBI's Internet Crime Complaint Center. People aged 60 and older were disproportionately affected, reporting over $1.6 billion in losses across 16,806 complaints, primarily through investment fraud schemes and relationship-building scams that use fake websites and recovery schemes. Common tactics include scammers promising unrealistic returns via unsolicited contact, building trust through dating apps and social media before pushing crypto investment, and impersonating recovery specialists to steal additional funds from victims.
710keel.com
· 2025-12-08
Louisiana residents over age 50 are nearly six times more likely to be targeted by scams, with older Americans losing approximately $3 billion to fraud between 2019-2020. Scammers exploit this demographic because they hold 85% of the nation's wealth, have higher credit limits, and tend to be more trusting, with nearly 60% of elder financial exploitation cases perpetrated by their own adult children. The article recommends that family members and friends educate older relatives about current scams, encourage reporting of attempted fraud, and advise contacting local law enforcement if victimized.
aol.com
· 2025-12-08
Tennessee's Department of Disability and Aging is working to combat scams targeting seniors, a growing concern as the state's population over 60 is rapidly increasing and projected to reach 28% by 2030. Commissioner Brad Turner emphasizes that caregivers should monitor loved ones' communications and social media accounts for suspicious activity, particularly on Facebook where page cloning and identity theft scams are accelerating. The state offers resources through TN.Gov/disabilityandaging to help victims report scams and recover damages.
rollingout.com
· 2025-12-08
An 81-year-old grandmother from Washington D.C. lost her entire life savings of $109,000 to a phone scammer posing as a Social Security Administration agent who convinced her that her personal information had been compromised and instructed her to transfer funds to secure her accounts. Despite red flags including grammatical errors in a fake Supreme Court certificate and the scammer's requests for unusual payment methods, Baxley made multiple transfers totaling $109,000 before her son discovered the fraud. This case reflects a broader trend in which scams targeting seniors aged 60 and older resulted in over $3.4 billion in losses last year, with experts advising that legitimate government agencies communicate
patch.com
· 2025-12-08
This article is not relevant to the Elderus elder fraud research database. It is a local events listing for the Peekskill-Cortlandt, New York area featuring concerts, holiday celebrations, workshops, and community activities. It contains no information about scams, fraud, elder abuse, or related topics.
states.aarp.org
· 2025-12-08
AARP Louisiana hosted an "Unmasking Fraud" educational event with nearly 150 attendees to equip older adults with knowledge to recognize and prevent scams, featuring expert speaker Paul Greenwood, a stakeholder roundtable, and resource fair. The Louisiana Attorney General's Office received the inaugural Fraud Fighter of the Year Award for its fraud-prevention efforts, and the event was broadcast on AARP Louisiana's Facebook, YouTube, and The Advocate's platforms to reach wider audiences. The event aims to inform future legislative solutions and strengthen Louisiana's protections against the fastest-growing threat to the state's aging population.
abc17news.com
· 2025-12-08
October is Cybersecurity Awareness Month, and experts advise consumers to protect themselves from increasingly sophisticated scams by remembering the "three S's": stay suspicious, stop and think, and stay protected. Common scam tactics exploit fear, urgency, and money; frequent targets include seniors and vulnerable populations through robocalls, phishing emails, impersonation of authorities, and romance scams—with one 70-year-old woman losing tens of thousands over several months to a romance scammer. Experts recommend hanging up on unsolicited calls and texts, calling official numbers to verify requests, and asking trusted younger relatives to reverse-image search suspicious photos.
highcountryshopper.com
· 2025-12-08
This educational article outlines four common scams affecting individuals today: work-from-home scams that exploit job seekers through fake employment offers and requests for upfront payments or personal account access; tech support scams initiated by unsolicited pop-ups or calls impersonating companies like Microsoft or Apple to steal data or demand payment; romance scams where fraudsters build trust online before fabricating emergencies to solicit money; and grandparent scams targeting vulnerable individuals with urgent requests for untraceable payments. The article advises readers to verify unsolicited job offers and tech support contacts, be cautious with online contacts requesting money, and report suspected fraud to law enforcement, the FTC, FBI's Internet Crime Complaint
globalnews.ca
· 2025-12-08
October is Cybersecurity Awareness Month, and security experts outline key scam prevention strategies as sophisticated fraud tactics continue to evolve. Scammers commonly exploit fear, urgency, and money as bait through phishing emails, spoofed caller IDs, robocalls, romance scams, and impersonation schemes targeting vulnerable populations including seniors and isolated individuals. The article recommends staying suspicious, stopping to think before acting, and staying protected by verifying requests through official channels and using tools like reverse image searches to identify potential fraud.
thehindu.com
· 2025-12-08
**Summary:**
Former Chief Minister V. Narayanasamy criticized the Puducherry government, citing recent arrests and CBI investigations into corruption cases involving government officials and employees, including a data entry operator found to possess approximately ₹106 crore in assets. He alleged that ruling party members have acted with impunity, pointing to temple land encroachments and cases of officials acquiring disproportionate assets as evidence of systemic corruption that the current administration has failed to address.
lamilano.it
· 2025-12-08
**Operation "Game Over" Scam Bust** — Italian Carabinieri arrested three men (a 40-year-old and two 20-year-old sons from Caserta) who operated an organized "Carabiniere scam" targeting elderly victims aged 75-81. The gang stole approximately €70,000 in cash and jewelry between January and June 2024 by posing as police or lawyers in phone calls claiming a family member had been arrested, then collecting payment in person; much of the stolen property was recovered and returned to victims.
timesofindia.indiatimes.com
· 2025-12-08
A 54-year-old woman from Bengaluru was defrauded of Rs 47 lakh and 857 grams of gold by a police head constable, his wife, and an associate who promised to secure government jobs for her two children between November 2021 and June 2024. The accused claimed connections with senior police and IAS officers that did not exist; when the children's names did not appear on the official KPSC selection list, the accused issued cheques worth Rs 58 lakh that subsequently bounced.
express.co.uk
· 2025-12-08
A text message scam is targeting vulnerable UK residents by impersonating the "UK Government Living Allowance Office" and falsely claiming recipients can receive a winter heating subsidy, with fraudulent links directing victims to fake government websites designed to steal personal information. The scam exploits recent government cuts to Winter Fuel Payments that reduced eligible recipients from 11.4 million to 1.5 million pensioners, creating confusion and urgency that scammers weaponize to pressure victims into acting quickly. Security experts advise recipients to verify messages independently and avoid clicking unsolicited links, especially those claiming to be from government bodies.
azcentral.com
· 2025-12-08
Americans lost an estimated $12.5 billion to online scams in the past year, with artificial intelligence-generated "deepfake" videos making investment frauds increasingly difficult to detect—the FBI estimates 39% of victims fell for deepfake-based schemes involving fabricated videos of business leaders, celebrities, or romantic interests. Scammers exploit AI to duplicate voices, crack passwords, and process large volumes of data, while most stolen money goes unrecovered, particularly when criminals demand payment in cryptocurrency and operate from overseas. Common defenses include using strong passwords, enabling two-factor authentication, and scrutinizing videos for unnatural movements, inconsistent lighting, and mismatched lip movements
nbcphiladelphia.com
· 2025-12-08
**October is Cybersecurity Awareness Month, and experts emphasize protecting yourself from increasingly sophisticated scams using three key tactics: stay suspicious, stop to think, and stay protected.** Common scam methods exploit fear, urgency, and money incentives—such as fake tax return errors, impersonation of authority figures, and romance scams that can last years and target vulnerable individuals including seniors. Defensive measures include avoiding robocalls and suspicious texts, verifying contacts through official numbers, and using reverse-image searches to identify stolen photos used in romance scams.
wccftech.com
· 2025-12-08
An elderly California man lost $25,000 to a sophisticated grandparent scam that used AI voice generators to impersonate his son claiming he was in an accident. The scammer, posing as the son and then as multiple lawyers, convinced Anthony he needed to pay bail money through escalating demands, ultimately requesting between $15,800 and $25,000 after claiming the accident victim died. Law enforcement notes that AI-powered voice synthesis makes these fraud schemes increasingly convincing and dangerous, particularly when victims cannot verify the caller's identity through other means.
onmanorama.com
· 2025-12-08
**Digital Arrests Scam in India**
Scammers in India are conducting "digital arrest" fraud, impersonating law enforcement officers via video calls to falsely accuse victims of crimes and extort money while confining them to their homes. High-profile victims include Malayalam actor Maala Parvathi (who avoided loss) and former church leader Dr. Geevarghese Mor Coorilos (who lost Rs 15 lakh), while an atomic energy institute employee was defrauded of Rs 71.33 lakh; Kerala Police advise victims to use common sense, noting that India has no law permitting arrests over phone or
foxnews.com
· 2025-12-08
A widow named "Beatrice" fell victim to a romance scam during the COVID-19 pandemic after matching with someone posing as a Spanish lumberjack on a senior dating site; after four months of building trust, the scammer requested money. According to the FTC and DHS, over 70,000 people reported romance scam losses in 2022, with older adults losing $240 million that year, as scammers use fake identities and emotional manipulation to extract savings from vulnerable individuals, often operating from West African countries. The article identifies warning signs including claims of living abroad, poor grammar despite English proficiency, excuses to avoid video calls, and requests to move conversations to
pentictonherald.ca
· 2025-12-08
The Palmyra Women's Institute is hosting a scam prevention education session featuring Chatham-Kent Police Special Constable Brenda Koldyk to address rising fraud losses in the community, including grandparent scams, romance scams (one victim lost $250,000), and various other schemes targeting seniors and vulnerable individuals. The November 7 session will cover warning signs, prevention strategies, and common scam types such as tax fraud, home renovation fraud, and impersonation scams, with Koldyk advising victims to verify requests with family members before sending money or gift cards.
semissourian.com
· 2025-12-08
Cape Girardeau police warned of the "Grandparent Scam," in which scammers posing as lawyers or government employees call victims claiming a grandchild has been arrested in Mexico and demanding large sums of money for their release. Two victims lost a combined $100,000 in the past month. Police recommend verifying the claim by contacting the alleged victim directly or the U.S. Embassy before sending money.
aba.com
· 2025-12-08
The American Bankers Association Foundation announced seven 2024 Community Commitment Award winners, recognizing banks for exceptional corporate social responsibility programs across categories including affordable housing, financial education, and protecting older Americans. American Riviera Bank in Santa Barbara won in the "Protecting Older Americans" category for its Fraud and Financial Exploitation Prevention program, which trains frontline staff and collaborates with law enforcement to prevent elder financial abuse while providing online educational resources.
unionleader.com
· 2025-12-08
A New York man was indicted on attempted theft by deception charges for acting as a courier in a bank impersonation scam targeting a 77-year-old New Hampshire man. Scammers impersonating bank fraud department employees called the victim claiming his account was compromised and instructed him to withdraw $20,000 cash for pickup; the defendant attempted to collect at least $1,500 from the victim's home. The defendant was arrested in July and scheduled for arraignment in November.
aarp.org
· 2025-12-08
This AARP article advises retirees to regularly monitor their credit reports even after paying off major debts, as errors and fraud can damage credit profiles built over decades. Free weekly credit reports are available from the three major bureaus at AnnualCreditReport.com, and seniors should check every few months to catch errors (which occur in 44% of reports checked) and signs of identity theft, taking action to dispute inaccuracies in writing with supporting documentation.
financial-planning.com
· 2025-12-08
An 80-year-old Texas man, Willard Holgate, had $460,000 stolen from his TD Ameritrade accounts after scammers in Hong Kong hacked his computer and initiated unauthorized wire transfers. His attorney secured a $97,200 FINRA arbitration award against TD Ameritrade (now owned by Charles Schwab) in 2024, arguing the firm failed to detect multiple red flags including unusual liquidation of long-held retirement accounts and Holgate's evident confusion during recorded calls with representatives. The case highlights how financial firms continue to do minimal fraud prevention without legal consequences, as elder fraud losses exceeded $3.4 billion in 2023
observertoday.com
· 2025-12-08
Assemblyman Clyde Vanel introduced legislation in New York that would elevate theft and fraud crimes targeting seniors over 60 to felony status, responding to an estimated $1.5 billion in annual elder financial exploitation in the state and $28.3 billion nationally. The bill aims to address the prevalence of scams targeting elderly victims, who lose an average of $33,915 per incident, by allowing prosecutors to treat age-targeted crimes more severely than similar offenses against younger victims.
atlantafed.org
· 2025-12-08
In 2023, Americans over 60 lost more than $3.4 billion to fraud—an 11 percent increase from 2022—with investment, tech support, email, and romance scams being the most common schemes. The author emphasizes that decline in financial judgment is an early sign of dementia, and recommends that families maintain regular voice contact with elderly relatives, monitor credit reports, apply credit freezes, and stay informed about legal and financial documents to prevent scams and elder fraud. Early intervention through personal relationships and periodic check-ins can help stop scammers before victims suffer financial loss.
wbrz.com
· 2025-12-08
The East Baton Rouge Seniors and Law Enforcement Together (SALT) hosted its annual SALT Expo at the Baker Municipal Auditorium to educate local seniors about current financial fraud schemes and scams. The event featured vendors and law enforcement personnel from around the area who provided resources and contact information, emphasizing the importance of seniors reaching out to authorities or trusted contacts when encountering suspicious activities.
newschannel9.com
· 2025-12-08
Tennessee seniors made over 1,500 digital fraud complaints to the FBI in 2023, with tech support scams being the most costly type of fraud affecting older adults. The Enterprise Center and "Tech Goes Home" are offering digital literacy classes to teach seniors about internet safety, password security, phishing scams, and how to avoid fraudulent emails and pop-ups that exploit their unfamiliarity with technology. These educational programs aim to reduce fraud victimization among seniors aged 60 and older, who are particularly vulnerable due to fixed incomes and limited digital knowledge.
aws.amazon.com
· 2025-12-08
This article describes Wipro and AWS's development of an Intelligent Financial Fraud Detection (IFFD) solution designed to address gaps in traditional fraud detection systems. The system uses AI and deep learning to detect fraud in real-time, with particular focus on elder fraud, which the FBI reported affected over 101,000 people age 60+ in 2023 with losses exceeding $3.4 billion. IFFD aims to reduce false positives to under 5% while identifying emerging threats like investment scams, romance scams, and grandparent scams before funds are transferred.
newportdispatch.com
· 2025-12-08
A 48-year-old New York resident, Wenhua Zhuo, was indicted on felony charges of attempted theft by deception for allegedly serving as a courier in a scheme targeting a 77-year-old Richmond, New Hampshire man. The scam involved a fraudulent call claiming to be from the victim's bank, instructing him to withdraw $20,000; Zhuo allegedly traveled to the victim's home to collect money, with over $1,500 in currency present at the time of the attempted pickup. The case was investigated by the Attorney General's Elder Abuse and Financial Exploitation Unit, with Zhuo's arraignment scheduled for November 7.
yahoo.com
· 2025-12-08
A New York man, Wenhua Zhuo, was indicted on attempted theft by deception charges for acting as a courier in a bank impersonation scam targeting a 77-year-old New Hampshire man. Scammers posing as bank fraud department employees called the victim and instructed him to withdraw $20,000 in cash for a courier to collect, though Zhuo only obtained over $1,500 before the scheme was interrupted. Zhuo was arrested in July and was scheduled for arraignment in November.
berkshireeagle.com
· 2025-12-08
A 75-year-old North Adams man lost over $400,000 in a tech support scam that operated from June to September, in which a caller posing as a federal agent convinced the victim to withdraw cash and hand it to couriers, claiming he was implicated in money laundering. Boston resident Urvishkumar Vipulkumar Patel, 21, was arrested after an FBI sting operation at the victim's home and charged with conspiracy to commit wire fraud; he claimed he was hired to pick up packages and deliver them for a cut. The FBI advises that legitimate federal agencies never request money by phone or send couriers to collect funds
boston25news.com
· 2025-12-08
A 48-year-old New York man was indicted for attempting to steal $20,000 from a 77-year-old New Hampshire resident as part of a bank impersonation scam, where he posed as a courier to pick up cash after a fraudster called the victim claiming his bank account was compromised. Wenhua Zhuo traveled to the victim's home in Richmond and was arrested after approaching the victim who had withdrawn over $1,500 in cash, and he faces a class A felony charge of attempted theft by deception.
wgal.com
· 2025-12-08
The Federal Trade Commission's "Protecting Older Consumers" report found that older adults reported losing over $1.9 billion to fraud in 2023, though the true total is estimated at $61.5 billion when accounting for unreported cases. Seniors are reluctant to report fraud due to embarrassment and fear of losing independence, and they suffer significantly higher average losses ($918) compared to younger victims ($432). The three most common scams targeting older people are tech support scams, lottery/sweepstakes scams, and romance scams, with payments typically made through Bitcoin or gift cards.
startribune.com
· 2025-12-08
Dodzi K. Kordorwu, 38, of Brooklyn Park was sentenced to 5¼ years in prison for his role in a nationwide romance fraud scheme that defrauded dozens of primarily older victims of more than $2.1 million over four years. Operating under fake personas like "Dr. Carmen Williams," Kordorwu built false romantic relationships with victims to convince them to send money, exploiting their emotional vulnerability and isolation. He was ordered to make full restitution and serve three years of supervised release.
inews.co.uk
· 2025-12-08
Hundreds of pensioners lost their life savings to pension scammers in recent years, with 559 reported cases in the last year resulting in £17.75 million in losses and an average loss of £46,959 per victim. Pension scams take various forms—including fake pension reviews, unauthorized early withdrawals, and fraudulent transfer schemes—and have proliferated through social media and online advertising, exacerbated by economic uncertainty and the cost-of-living crisis. Experts argue the UK's pension fraud reporting system is inadequate and call for greater preventative measures and bank protections for vulnerable older customers.
wnyt.com
· 2025-12-08
A 21-year-old Boston man was arrested for his role as a courier in a tech support scam that defrauded a 75-year-old Berkshire County resident of approximately $420,000 between June and October 2024. The victim was targeted via a computer pop-up claiming to be from Microsoft, then deceived into believing he was involved in money laundering and instructed to withdraw cash in installments and hand it to couriers; the suspect was arrested after delivering a box of cash to an undercover officer posing as the victim. Urvishkumar Vipulkumar Patel was charged with conspiracy to commit wire fraud and release
aol.com
· 2025-12-08
A New York man, Wenhua Zhuo, 48, was indicted on attempted theft by deception for acting as a courier in a bank impersonation scam targeting a 77-year-old New Hampshire man. Scammers posing as bank fraud department officials called the victim and instructed him to withdraw $20,000 in cash for a courier to collect, and Zhuo appeared at the victim's home to retrieve at least $1,500 in cash that had already been withdrawn. Zhuo was arrested in July and was scheduled for arraignment in November.
newrepublic.com
· 2025-12-08
Elderly Americans with dementia were defrauded of millions of dollars through aggressive automated political messaging campaigns that created false impressions of direct communication with Republican candidates, particularly Donald Trump. Victims—primarily in their 80s and 90s—made thousands of repeated donations totaling hundreds of thousands of dollars each, with one 83-year-old woman giving over $350,000 and an 80-year-old man donating over $440,000 across 15,000 transactions. The Republican fundraising platform WinRed received nearly seven times more FTC complaints than its Democratic counterpart ActBlue, with Trump being the single largest beneficiary of these donations.
fox17.com
· 2025-12-08
Tennessee seniors are at high risk for online fraud due to limited digital literacy, with over 1,500 complaints filed to the FBI by Tennesseans 60 and older in 2023. Digital literacy classes, including programs like "Tech Goes Home," aim to educate seniors on internet security, password protection, phishing scams, and tech support fraud—the most common schemes targeting this population. The initiative addresses a critical gap, as seniors with fixed incomes face devastating financial and emotional consequences when defrauded.
dailycitizen.news
· 2025-12-08
A senior scam awareness seminar will be held at the Whitfield County Senior Center on Friday from 11 to 11:45 a.m., led by Detective Brandon Fincher from the Sheriff's Office. The seminar will cover personal safety tips, how to recognize scams, and methods to avoid common fraud, with registration available by calling (706) 278-3700.
wpxi.com
· 2025-12-08
During Medicare open enrollment, seniors are targeted by scammers through unsolicited phone calls, texts, and phishing links seeking their Medicare numbers, which are as sensitive as Social Security numbers. Common tactics include offering lower plan prices, requesting payment for plan selection help, or promising free gifts in exchange for personal information. The Better Business Bureau advises seniors to hang up on unsolicited callers, verify requests directly with legitimate companies like Healthcare.gov or Medicare, and watch for red flags such as pressure to act immediately or offers that seem too good to be true.
cnn.com
· 2025-12-08
Hundreds of elderly Americans, including those with dementia, have been victimized by deceptive political fundraising tactics from both Republican and Democratic campaigns, with vulnerable donors unknowingly giving away millions of dollars through relentless text messages and emails that automatically enrolled them in recurring donations. A CNN investigation identified over 1,000 government complaints and found that elderly donors lost more than $6 million in a small sample alone, with some individuals giving away six-figure sums from their life savings, predominantly to Republican candidates and former President Donald Trump. The predatory practices exploit cognitive decline by making false urgent pleas for money appear to come directly from major candidates, draining bank accounts without donors' knowledge or consent
boston25news.com
· 2025-12-08
Seniors reported losing more than $1.9 billion to fraud last year, with actual losses potentially reaching $61.5 billion when accounting for unreported cases, according to an FTC report highlighting romance scams, business impostor schemes, and cryptocurrency fraud as major threats. Older Americans face particular vulnerability due to retirement funds, life insurance proceeds, and assets that criminals target, and many victims avoid reporting due to shame or fear of being perceived as incapable. The FTC is strengthening protections through the Scams Against Older Adults Advisory Group and seeking congressional amendments to expand refund authority, while experts emphasize the need for banks and law enforcement to deploy advanced technology and increase criminal prosecution efforts.
mcknightsseniorliving.com
· 2025-12-08
Older adults reported $1.9 billion in fraud losses in 2023, though the FTC estimates actual losses may have reached $61.5 billion when accounting for underreporting. Adults aged 60+ are significantly more vulnerable to specific scam types, including tech support scams (5x more likely), prize/lottery scams (3x more likely), and investment scams (which increased 34% year-over-year), with romance and business imposter scams also rising notably. The FTC and Senate Special Committee on Aging are expanding consumer education programs and partnerships to combat these increasingly sophisticated scams.
kiro7.com
· 2025-12-08
According to the FTC, seniors reported losing more than $1.9 billion to fraud last year, with bank transfers and cryptocurrency being the most commonly exploited payment methods; however, the agency estimates total senior fraud losses could reach as high as $61.5 billion when accounting for unreported incidents. Romance scams and business impostor schemes are prevalent, with victims often reluctant to report due to shame or fear of being perceived as incapable by family members. The FTC has launched the Scams Against Older Adults Advisory Group and is seeking congressional amendments to strengthen its ability to recover funds for victims and prevent criminals from retaining illegally obtained profits.
newsaegis.com
· 2025-12-08
This educational piece outlines cybersecurity best practices for Cybersecurity Awareness Month, emphasizing three core strategies: staying suspicious, stopping to think, and staying protected. The article identifies common scam tactics targeting all consumers—particularly elderly, lonely, and disabled individuals—including fear-based language, artificial urgency, and false promises of money, and recommends protective measures such as using password managers, enabling multi-factor verification, avoiding personal information requests in online quizzes, and reporting suspected fraud to the FTC or free resources like the AARP Fraud Watch Network.
pmg-ky3.com
· 2025-12-08
Scams and fraud have surged nationwide, with the Federal Trade Commission reporting scams more than doubled in 2020, Kentucky alone losing $13 million in 2021, and elder fraud reports to the FBI increasing 62% between 2020-2021. Elderly residents are disproportionately affected but often fail to report incidents due to embarrassment, while criminals employ evolving tactics including skimming devices, robocalls (60% of U.S. calls in 2022), phishing emails, and business impersonation schemes. Detective Dean Hutchinson recommends verifying caller identities independently, ignoring unsolicited bank emails, and being cautious with payment apps
kyma.com
· 2025-12-08
Arizona Attorney General Kris Mayes is hosting a townhall on November 1 in Yuma to gather community input on how elder scams and fraud impact local residents. The event will take place at Community Christian Church from 1 p.m. to 3 p.m., and attendees can RSVP in advance.