Imposter scams come in many different forms, but they all work the same way: a scammer pretends to be someone you trust in an attempt to get money from you. Around the holidays, when people may be feeling more philanthropic than usual, it’s important to be aware of these two common types of imposter scams:Grandparents scam: This scam has taken on many iterations over the years, but typically happens when someone claiming to be a beloved grandchild calls and asks for help, requesting money in the form of a wire transfer, prepaid debit card or gift card. There is usually an uptick in these types of scams this time of year and Tom Bartholomy, President of BBB of Southern Piedmont and Western North Carolina says, "They have a holiday twist – the “grandchild” wants to come home for the holidays but needs money for car repairs or other travel expenses." Charity scam: It isn’t hard to hack someone’s email or social media account and impersonate someone you know. In this charity scam, in an effort to take advantage of the holiday spirit, someone who you think you know reaches out and either asks for money to help their family or claims to be taking donations on behalf of a family or charity in need. In both of these scenarios, the best way to protect yourself is to take the time to verify. Reach out to your relative or friend by phone and ask if they are really in need of help. And remember that asking for a prepaid debit card or gift card is always a red flag. These types of payments cannot be traced or retrieved and are common among scammers.