(CNN) 2020 is finally here, and it's coming with its own set of challenges.

Not only do we have to break the habit of writing 2019, when we really mean 2020, but the dawn of a new decade also creates a unique opportunity for scammers, says Ira Rheingold, executive director for the National Association of Consumer Advocates.

How exactly, you ask?

When the year 2020 is abbreviated on official forms and documents, those looking to exploit unsuspecting people can easily manipulate those numbers and leave people potentially vulnerable to fraud.

For example, a document dated 1/4/20 can easily be changed to 1/4/2021 by adding two numbers at the end.

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