Prevent fraud by slowing down: it’s not just about the Internet.

Yesterday I wrote about the problem with “shortened” web addresses on Twitter and other social media outlets—namely, that the actual web addresses are obscured, which could lead to malware infections on your computer.

I suggested using a shortened URL decoder, sort of a “reverse lookup,” such as LongURL, to check links before you click. It takes a few extra seconds now, but it can save you massive headaches later.

I also spoke about the need to back off a little when it comes to instant online gratification. Phishing attacks, for example, thrive on getting victims to respond without thinking.

Today, though, I came across a small article about yet another set of mystery shopper scam victims. The details aren’t that important for our purposes today. Suffice it to say they lost around $4,000 they couldn’t afford (assuming they’re like most of us).

I started thinking about how the concept of slowing down doesn’t just apply to shortened web addresses. Think about the mystery shopper scam setup, and how each approach plays out.

Scenario #1: You receive an email offering lucrative employment as a mystery shopper. Not wanting to miss out on a big payout, you immediately respond. You are mailed a cashier’s check and instructed to cash it, keep some, use some for purchases at Walmart, and wire the rest back as quickly as possible, or you’ll miss out on future opportunities to work for them again. You rush out the door to your financial institution, hit the Wal-Mart and wire a few thousand dollars back via Western Union. About a week later, you find out the check was fraudulent and that you owe your financial institution $2,600. Life goes on, but with a painful “learned that one the hard way” lesson under your belt.

Scenario #2: You receive that same email, but decide to take a moment and check it out first. You Google a snippet of the message or the name of the company, and find thousands of people telling you it’s a scam. You delete the message and life goes on.

Bonus Scenario: You’re an avid Fraud Prevention Unit reader, and already know without checking that it’s a scam. You delete the message and life goes on.

There are a lot of scams that depend on victims who either act without thinking or who haven’t taken any time to be educated first. In fact, a vast majority of these crimes seem to hinge on a quick response from their victims.

I’m a big advocate of stepping back and taking a moment to think. There was an auto advertisement on television several years ago that just offended my every sensibility. I think it was for some kind of Toyota SUV, but I can’t quite remember. What I do remember is that it featured sped-up footage of a generic “supermom” (that’s not a compliment—I feel sorry for these people and their kids) dropping her children off at a million different places. The tagline had something to do with “your supercharged family.”

I could not believe they were depicting this lifestyle as something you should strive for. Now, if you honestly enjoy constant stress, then I guess I can’t vouch for you, but when I hear 99% of people talk about how frantic their lives are, they’re complaining, not bragging.

The thing is, many people think they don’t have a choice. I say you do. You can find space to slow down and take some time to think, but not if you’re convinced that you’re powerless to do so. Tell the kids to pick one sport they love, instead of signing them up for ten just to show off how busy you are.

That frantic, stressed-out, hollow-eyed, constantly-on-the-go way of living doesn’t lend itself to thinking before you act. It’s not only bad for your health, it will make you more susceptible to phishing and lottery scams and every other type of fraud under the sun.

So the same idea that applies online goes for your offline life, too: just take a second and relax, think about your decisions. It’s when you’re in a hurry that preventable mistakes happen. I’ll loan you some live Dead tapes if you need some mellow tunes, okay?