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The Learning Hub
Every course, guide, and article in one place — courses, guides & cheat sheets, articles, and real scam stories. No account needed to learn; a quiz or certificate needs one.
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Free Courses
25 short, self-paced courses across Spot the Scam, Digital Skills, and Safe Online Work. Start anywhere, finish at your own speed, and repeat any lesson as many times as you need. Every course is free, and none of them expire. Start with whichever one matches what you need right now.
Spot the Scam
The habits that stop phishing, tech-support, romance, job and gift-card scams.
See courses →Digital Skills
Set up email, accounts, and get comfortable online, one small step at a time.
See courses →Safe Online Work
Find legitimate remote work, avoid fake-job traps, and actually get paid.
See courses →By format
Guides & Cheat Sheets
37 downloadable, one-page guides you can print, save, and keep. No account needed to download; a quiz or certificate needs one. Each one ends with the one habit that actually protects you. Every guide is free, start to finish. Print one, or save it to your phone for later. Either way, it is yours to keep, with no account required.
Fake Investment Offers
How "pig butchering" scams build trust for months before asking for money.
View guide →By format
Articles
17 plain-language reads on the everyday questions, protecting someone you love, video calls without the confusion, and using AI chatbots safely. New articles are added as real questions come in. Check back any time you have a new question. Chances are we have already answered it.
Protecting Someone You Love Online
A caregiver's guide to helping a parent or loved one stay safe.
Read article →By format
Real Scam Stories
It happens to everyone. See how each scam actually happened, and the one habit that would have stopped it. Real stories make the lesson easier to remember than any warning does. Read one, then check your own habits against it. It only takes a few minutes.
The Full Library Index
Every free course, guide, and cheat sheet Lumoset offers, organized by the three things we teach. No account, no cost, no catch.
Spot the Scam
Recognizing and recovering from phishing, tech-support, romance, job, identity, and money scams.
Courses
Spot the Scam · Level 1: Protecting Yourself Online
The one question that stops a scam + the biggest scam types: phishing texts/emails, tech-support & pop-ups, romance, job/work-from-home, government impersonation & gift cards.
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Protecting Your Family Online
Helping the people who protect a parent or loved one — set-up, conversations, and habits that keep family members safer online.
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Spot the Scam · Level 2: Money Fraud, Gift Cards, Wires and Crypto Kiosks
Why scammers love certain payment methods, the gift-card rule, wires and "move your money" scams, crypto kiosks/QR scams, and the first 15 minutes to stop a payment.
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Spot the Scam · Level 3: Investment Fraud and Recovering After a Scam
How investment scams persuade, the romance-to-investment trap, verifying before you invest, the first 48 hours after a scam, and helping a loved one recover without shaming them.
Start the course →Guides
Lumoset's 2026 Top 5 Scams in the US
Five current scams: toll/DMV texts; Geek Squad/Norton/PayPal invoice; grandparent/AI-voice; USPS/package; bank/Zelle/gift-card — plus an 'if you already paid' recovery closer.
View this guide →
Money Scams: Gift Cards, Wire Transfers & Crypto Kiosks
Why scammers always ask for gift cards, wire transfers, or a crypto-kiosk deposit, and how the irreversible-payment-method pattern gives away almost any scam.
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Fake Investment Offers & the Romance-to-Investment Trap
How “pig butchering” scams build a fake friendship or romance before introducing a fraudulent trading app or investment, red flags, and recovery steps.
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Scammed? Your First 48 Hours
The exact order of recovery steps after realizing you've been scammed: stopping payment, locking down accounts, where to report, and watching for follow-on recovery scams.
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Protecting Someone You Love Online
A caregiver's guide to helping a parent or loved one stay safe online: starting the conversation, safety nets vs.
View this guide →Cheat sheets
Protecting Your Family Online
One-page printable: family emergency scam checks, safe-word habits, and what to do if money was already sent.
Download PDF →Money Fraud Red Flags
One-page printable: gift-card, wire, crypto-kiosk, and payment-pressure red flags.
Download PDF →Investment Scam Recovery
One-page printable: investment-scam checks, first recovery steps, and support after a scam.
Download PDF →
Plain-English Glossary
Every confusing scam and tech term used across the library, in plain language.
Download PDF →Digital Skills
Getting comfortable with email, accounts, AI tools, banking, smartphones, staying connected, and care online.
Courses
Email & Online Accounts · Level 1: Getting Started Safely
Email basics, a passphrase you can remember, setting up email safely, two-step verification, spotting fake login pages, and what to do if locked out or hacked.
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Using AI Tools · Level 1: Safely and Wisely
Using ChatGPT, Google Gemini and Microsoft Copilot safely; what AI is good/bad at; privacy cautions; and how AI shows up in scams (AI-written phishing, voice clones).
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Money & Banking Online · Level 1: The Basics
Banking online safely: logging in, checking balances, avoiding bank-impersonator scams, and safe habits.
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Staying Connected · Level 1: Video Calls, Texting & Sharing Photos
Everyday ways families keep in touch — sending a first text and photo, making a video call on iPhone or Android, joining a family group chat, and doing it all safely.
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Your Smartphone · Level 1: iPhone & Android Basics
Smartphone basics from the very beginning — buttons, taps and swipes, the home screen and apps, connecting to Wi-Fi/cellular, accessibility settings, keeping the phone safe (lock/u...
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Getting Care Online · Level 1: Telehealth & Patient Portals Made Simple
Using health care online with confidence — what a patient portal is and how to log in safely, what you can do there (results, messaging, refills, booking), preparing for and gettin...
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Email and Online Accounts · Level 2: Password Managers, 2FA and Spotting Account Takeover
Moving to a password system, 2FA done properly, signs of account takeover, more convincing phishing, and what to do if an account is at risk.
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Email and Online Accounts · Level 3: Locking Down After a Breach and Securing the Household
Thinking in account chains, the first hour after a breach, recovery codes/backups, securing the whole household, and handling new/unseen threats.
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Using AI Tools · Level 2: Using AI for Real Tasks and Checking Its Work
Practical everyday AI uses, asking better questions, checking AI's work, safe AI workflows, and knowing when a human should take over.
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Using AI Tools · Level 3: Spotting AI Fakes, Deepfakes, Cloned Voices and AI Images
What AI fakes change, cloned-voice family-emergency scams, deepfake video/images, AI-written messages and fake authority, and verifying the story not the surface.
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Money and Banking Online · Level 2: Alerts, Statements, Disputes and Chargebacks
Setting up and reading account alerts, reviewing statements, disputing charges, and chargebacks.
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Money & Banking Online · Level 3: Protecting Your Money Long-Term (fraud alerts, credit freezes)
Long-term fraud protection: fraud alerts, credit freezes, reducing exposure, and recognizing old scam patterns in new packaging.
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Staying Connected · Level 2: Privacy in Messaging and Photo Sharing
Messaging and photo-sharing privacy: who can see what, group-chat boundaries, scam risk from oversharing, and the settings that matter most.
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Staying Connected · Level 3: Helping a Family Member Get Set Up and Stay Safe
Helping a loved one get set up safely: respectful support, screen-lock basics, family rules, and repeatable check-in systems.
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Smartphone Basics · Level 2: The Settings That Matter (permissions, storage, updates, accessibility)
The phone settings that actually matter: permissions, storage, updates, accessibility, and making the device easier and safer to use.
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Smartphone Basics · Level 3: Full Device Hardening (lock screen, Find My, backups, permissions audit)
Device hardening for the long term: lock screen, Find My, backups, recovery planning, and a practical permissions audit.
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Getting Care Online · Level 2: Patient Portals in Depth (records, prescriptions, messaging)
Using patient portals as working tools: records, results, prescriptions, messages, and private everyday use.
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Getting Care Online · Level 3: Managing Care for Someone Else (proxy access, health-data privacy)
Managing care for someone else online: proxy access, privacy, visit prep, and repeatable care-support systems.
Start the course →Guides
Lumoset's Top 5 Digital Skills to Learn in 2026
Five starter skills: email + password; two-factor authentication; banking online safely; video-calling the grandkids; using ChatGPT/AI safely.
View this guide →
Using AI Tools Safely — guide page
Companion guide page to the Using AI Tools course.
View this guide →
How to Use ChatGPT
Five steps to a useful answer, a first prompt to copy, and how to check what it tells you.
View this guide →
How to Use Claude
Five steps for long documents and careful rewriting, plus a first prompt to copy.
View this guide →
How to Use Gemini
Five steps for Gmail, Docs, Drive and Android, plus the privacy setting worth checking.
View this guide →
ChatGPT vs Claude vs Gemini in 2026
The full comparison. Which of the three to pick, how to start, and prompts you can copy.
View this guide →
Online Banking Safety Basics
Companion guide to Money & Banking Online L1: getting to the real bank, locking the account, reading statements, alerts, moving money carefully, what to do if something looks wrong...
Download PDF →Your Smartphone Basics
Companion guide to Your Smartphone L1: buttons, gestures, apps/search, Wi-Fi & settings, phone safety, everyday wins.
Download PDF →Cheat sheets
Using AI Tools Safely
One-page printable: safe AI-tool habits, which free tools to use, and spotting AI in scams.
Download PDF →Bank Online Safely
One-page printable: safe bank login habits, red flags for bank-imposter scams, and where to report.
Download PDF →Alerts, Statements, Disputes and Chargebacks
One-page printable: alerts, statements, disputes, chargebacks, and fake fraud-department checks.
Download PDF →Account Takeover Warning Signs
One-page printable: password-manager basics, 2FA, account-takeover clues, and what to do fast.
Download PDF →After a Breach, What Matters First
One-page printable: first-hour breach response, account-chain thinking, and household follow-through.
Download PDF →Use AI, Then Check It
One-page printable: practical AI use, better prompts, checking work, and when a human should take over.
Download PDF →AI Fakes: Pause and Verify
One-page printable: cloned voices, deepfakes, fake images, and what to verify before reacting.
Download PDF →Protecting Your Money Long-Term
One-page printable: fraud alerts, credit freezes, account separation, and longer-term money-protection habits.
Download PDF →Messaging & Photo Privacy
One-page printable: sharing boundaries, group-chat privacy, fake-family-message checks, and simple privacy rules.
Download PDF →Helping Someone Stay Connected Safely
One-page printable: respectful setup help, safe defaults, family rules, and a simple support plan.
Download PDF →Phone Settings That Matter Most
One-page printable: permissions, storage, updates, accessibility, and the phone settings worth checking first.
Download PDF →Phone Lost or Overexposed
One-page printable: lock screen, Find My, backups, permissions review, and what to check before trouble happens.
Download PDF →Patient Portal Basics That Matter
One-page printable: records, results, refill requests, secure messages, and privacy while using a portal.
Download PDF →Helping Someone With Care Online
One-page printable: proxy access, question lists, shared follow-up, and privacy when helping manage care.
Download PDF →Safe Online Work
Finding legitimate remote work, avoiding fake-job traps, and actually getting paid.
Courses
Online Work · Level 1: Finding Legitimate Work Without Getting Burned
What online work really is, the biggest fake-job red flags, never paying to get a job, protecting money & identity, where to actually find legit work, and getting paid safely.
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Finding Legitimate Online Work · Level 2: Getting Paid, Invoices, Contracts and Payment Safety
Getting paid safely, simple agreements, invoices/records/proof, safe payment methods and red flags, and what to do when payment gets weird.
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Finding Legitimate Online Work · Level 3: From First Gig to Steady Income
Telling a good opportunity from a bad one, pricing/scope, building repeatable systems, diagnosing unfamiliar offers, and recovery/reputation after a bad client.
Start the course →Guides
Your First Freelance Profile
How to build a trustworthy freelance/gig profile with zero reviews: pick a niche, write a client-first bio, build proof, verify your identity, and avoid profile habits that invite...
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What to Charge: Pricing Your Online Work
A simple cost-plus method for setting a freelance rate: why new freelancers underprice, the cost-plus calculation, hourly vs.
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Getting Paid Safely for Online Work
Payment safety for freelancers: written agreements, milestones/deposits, the overpayment/fake-check trap, professional invoicing, and which payment methods are safe vs.
View this guide →Cheat sheets
Getting Paid Safely Online Work
One-page printable: safe payment methods, invoice basics, proof, and payment red flags.
Download PDF →First Gig to Steady Income
One-page printable: offer checks, scope clarity, repeatable systems, and client-risk habits.
Download PDF →Articles
Practical, plain-English answers to specific questions, updated as things change across every topic above.
Browse all articles →Real Scam Stories
True stories, from famous people and everyday families alike, showing how each scam worked and what stops it.
Read real stories →