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Archive for the Scams and Identity Theft Category


Phishing Scams That Imitate cPanel and Target Webmasters

Phishing scams are abundant on the internet. Many persons have become victims of identity theft, for example, due to phishing emails that steal their personal information. Now, phishing has taken on a new face. There are individuals out there who are now imitating web hosting companies by using look-alike web pages to trick webmasters to release their FTP information. For more detailed information, please read the following articles:

Phishing Scam Imitates cPanel

CyberCrime and Doing Time

Take action now to prevent any disruption to your website and save yourself lots of heartache.

Work At Home Job Scams On The Rise

As times get harder and the economy in many countries are in recession, more and more persons are losing their jobs and thus looking for new ways to make money. Many of them are seeking work from home jobs that would enable them to stay at home and spend more time with their families. Even persons who still have their jobs are seeking ways out of the 9-to-5 hassle, looking for jobs that they can do from home. Unfortunately though, there are individuals out there who are seeking to scam such persons out of the little money that they have, promising “jobs” that in the end never live up to the hype and expectations that are promised. I posted articles on two of my other blogs about job scams that everyone should look out for. Here are a few of my previous posts on this issue:

1. http://www.kgbiz05.com/businessblog/tag/scams/
2. http://www.kgbiz05.com/blog/tag/scams/

I have stated time and time again that if someone is offering you a job, there is no way that they can rightly ask you, the job seeker, to pay them money in order for you to secure a position with their company. I like how Sharon Davis of “The Work At Home Blog” put it in one of her recent posts entitled Work at home scammers are targeting the jobless: “You go for a job interview and the interviewer introduces himself and then says, ‘Before we get started, Iâ₉„¢m going to need 39 bucks from you. Just to make sure that youâ₉„¢re serious.’ Wait, what? That would make no sense at all right, and youâ₉„¢d walk right out of there. An online or work at home job is no different.” Many of the ads placed online in classifieds, blogs, newsletters and on websites promise fantastic earnings that would allow you to live like a king in just a matter of months. There are also those that tell you from the start that you will not get rich quickly working for them but that you will be able to comfortably pay your bills each month and have a little to spend and save a little after paying your bills. For all these job opps, you are required to pay a “small” fee that will allow you to gain access to their programs. The truth be told, though, is that the majority of these work from home jobs NEVER meet up to the expectations of those who sign up for them. Far from it, they are simply the means by which scam artists use to fleece people of their hard-earned cash.

My advice to all of you who are seeking jobs that allow you to work from home, in fact any job at all, is that you should NEVER pay someone to hire you. That is plain stupid and makes no sense. If someone came to me offering me a job and then asked me for a small “processing fee”, I would smack him upside the head! People, be smart. I have tried a few of these job opps in the early days and never got anywhere with them. Been there, done that! So, please, if you see an email come to you offering a work from home job that you have to pay to secure, delete it immediately. Report such emails to the Better Business Bureau and your local fraud authorities.

All I am saying in short is this: NEVER pay for a job that is being offered to you. It is the person who is offering you the job that should be forking out any money, NOT YOU. You have been warned!

Anti-Identity Theft

Each year, there are millions of persons who are victims of Identity Theft. It certainly is not a trivial mater and definitely cannot be fun for those who have fallen victim to it. Some pay the consequences many years after the incident. Individuals who spend a lot of time online need to be aware of the threat, but unfortunately many are not. As such, they do not have any systems in place to prevent it from happening to them. Scarily enough, the average victim spends over 600 hours and $16,000 sorting out the problem. And Internet users are FIFTY TIMES more likely to become a victim.

I would not want that to happen to you. That is why I am going to suggest that you check out Anti-Identity Theft Software STRAIGHT AWAY. This could happen to you TODAY, so please take 5 minutes to educate yourself. The site explains what Identity Theft is, who is at risk and offers what I believe is the best protection available to you today. Make sure this NEVER happens to you. I am sure that those who have fallen victim in the past would willingly pay 1000 times the cost of this protection to have avoided the problem in the first place. Isn’t hindsight a wonderful thing? Don’t be a victim! Protect yourself for good, RIGHT NOW! Get your own Anti-Identity Theft Software TODAY.

Credit Card Fraud Scenarios

This post is for informational purposes and is based on the experiences of persons in the past. Please read it all carefully and pay attention to how easily they became victims of credit card fraud. Learn from the lessons that they learned the hard way:

SCENARIO 1:

This is a new one.

People sure stay busy trying to cheat us, don’t they?

A friend went to the local gym and placed his belongings in the locker. After the workout and a shower, he came out, saw the locker open, and thought to himself, ‘Funny, I thought I locked the locker. Hmm, ‘He dressed and just flipped the wallet to make sure all was in order. Everything looked okay – all cards were in place. A few weeks later his credit card bill came – a whooping bill of $14,000!
He called the credit card company and started yelling at them, saying that he did not make the transactions. Customer care personnel verified that there was no mistake in the system and asked if his card had been stolen. ‘No,’ he said, but then took out his wallet, pulled out the credit card, and yep – you guessed it – a switch had been made. An expired similar credit card from the same bank was in the wallet. The thief broke into his locker at the gym and switched cards.

Verdict: The credit card issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them. How much did he have to pay for items he did not buy? $9,000! Why were there no calls made to verify the amount swiped? Small amounts rarely trigger a ‘warning bell’ with some credit card companies. It just so happens that all the small amounts added up to big one!

SCENARIO 2:

A man at a local restaurant paid for his meal with his credit card. The bill for the meal came, he signed it,and the waitress folded the receipt and passed the credit card along. Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and behold, it was the expired card of another person. He called the waitress and she looked perplexed. She took it back, apologized, and hurried back to the counter under the watchful eye of the man. All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier immediately looked down and took out the real card. No exchange of words — nothing! She took it and came back to the man with an apology.

Verdict: Make sure the credit cards in your wallet are yours. Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time. Many people just take back the credit card without even looking at it, ‘assuming’ that it has to be theirs.

FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!

SCENARIO 3:

Yesterday I went into a pizza restaurant to pick up an order that I had called in. I paid by using my Visa Check Card which, of course, is linked directly to my checking account. The young man behind the counter took my card, swiped it, then laid it on the counter as he waited for the approval, which is pretty standard procedure. While he waited, he picked up his cell phone and started dialing. I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded like my phone sounds when I take a picture. He then gave me back my card but kept the phone in his hand as if he was still pressing buttons. Meanwhile, I’m thinking: I wonder what he is taking a picture of, oblivious to what was really going on. It then dawned on me: the only thing there was my credit card, so now I’m paying close attention to what he is doing.

He set his phone on the counter, leaving it open. About five seconds later, I heard the chime that tells you that the picture has been saved. Now I’m standing there struggling with the fact that this boy just took a picture of my credit card. Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened. Needless to say, I immediately canceled that card as I was walking out of the pizza parlor.

All I am saying is:

1. Be aware of your surroundings at all times.
2. Whenever you are using your credit card take caution and don’t be careless. Notice who is standing near you and what they are doing when you use your card.
3. Be aware of phones, because many have a camera phone these days.
4. When you are in a restaurant and the waiter/waitress brings your card and receipt for you to sign, make sure you scratch the number off. Some restaurants are using only the last four digits, but a lot of them are still putting the whole thing on there. I have already been a victim of credit card fraud and, believe me, it is not fun. The truth is that they can get you even when you are careful, but don’t make it easy for them.

Conclusion: I hope that the experiences of the people just mentioned has helped to make you even more aware and alert when using your credit card to make purchases. It is always better to be even a little prepared than not prepared at all.

LifeLock Identity Protection

Can you truly say that you are able to guarantee your good name? Not many people can because they have suffered from what everyone hopes will never happen to them – identity theft. The truth be told, there are millions of persons who have their identities stolen every year, resulting in loss of good credit and their names being tagged to fraudulent activities that they never committed. Identity theft is the fastest growing crime in the United Stares with over 9 million persons becoming victims each year. It is simply not enough to just be careful as this does not prevent identity theft, and even more so not enough to help you to detect it. To help persons protect their identity, lifelock has a wonderful program that has helped thousands prevent identity theft from happening to them.

Before I even mention about the services that lifelock has to offer, let me first of all say what Identity Theft means to me. Identity Theft is the unauthorized use of another persons identity, including social security number, address, credit cards, image or photograph, and any other personally identifiable items, in an attempt to commit fraud with said items. The main purpose of the thief is to use the stolen individual’s identity to conduct business or pleasure activities without exposing his or her true identity. These fraudsters use other persons credit cards to buy things in the the name of the cardholders, usually these purchases being objects and items that the defrauded person would never buy. For instance, can you imagine a 96 year old man with severe arthritis and a bad lower back buying a 2008 Kawasaki motorcycle? Now, that would certainly raise an alarm.

If my identity was stolen, I would be utterly devastated. I would surely have to cancel all my credit cards immediately and report the matter to the police. I would even go as far as registering with a company like lifelock who, from the moment you are enrolled with them, contact credit bureaus to request fraud alerts be sent to you, set locks on your credit by asking banks to call you to ensure that you are the one who is applying for the credit, restrict junk mail sent to you, and block pre-approved credit offers from reaching you. There are many other services that they offer that are of great benefit to their members. If you are serious about protecting your identity, then LifeLock is a name you can trust. Their highly trained specialists are available 24 hours a day, seven days a week at 1 800 LIFELOCK (543-3562). Give them a call right now or check their website for more information and to enroll today.

Beware Of Liars On The Internet

I got an email today from someone whose list I subscribe to. In the interest of helping all you webmasters out there, I am posting parts of that email that I believe you need to be aware of. It is as follows:

Why are there so many liars on the internet?

I did some research on some of the ‘Top Earners’ on the internet…and what I found was unbelievable!

One of them who ‘Made $426,000 in 4 Months Online with _______’ lives in a studio apartment in a tiny town in Texas for $280 per month.

Another one who is the ‘Top Internet Millionaire’ with the _______ home business is actually still living with his parents-

Is lying necessary ?

In addition, this other email is quite helpful in sifting out those sites that make false claims. Many persons have been caught by them, but you need not be the next victim:

There’s turmoil in the online advertising arena right now, so
please be careful when choosing where to place your ads. Here are
a few suggestions that may help you to avoid the blatant scams:

1. Try to avoid traffic and advertising sources that do not provide
contact information on the site. At the very least the website
owner should provide an email address, and he/she should answer
their email in a timely manner. Shoot them off a question just to
test their response time…you shouldn’t have to wait more than
48 hours for a reply.

2. Avoid sources that use the term “blaster” to describe their
service. Blasters don’t work, they never did.

3. Avoid sources that claim to have access to email addresses for
customers of the following companies: PayPal, Ebay, MySpace,
YouTube, Google, Yahoo, etc.. Come on people, do you really think
these “big guys” allow their customers to be spammed by internet
marketers???

4. Although Alexa.com isn’t foolproof, it shouldn’t be disregarded
as a method for checking the popularity of a source, especially when
that source claims to be able to generate visitors to your site.
After all, if they can’t get visitors to their own site, how are
they going to get them to yours??? On many occasions you’ll find
these sources have Alexa rankings well over one million. We like
to see sites with rankings of 500,000 or less, however there are
good sources out there that fall well over this limit. Remember,
Alexa isn’t an exact science, but sometimes it can be a good
research tool.

5. Do a quick “scam check” on Google. Simply search for the name
of the source followed by “+ scam”. For example, if we were
researching a source by the name of “RedHotTraffic” we would enter
the following search term in Google: RedHotTraffic + scam

Also, here’s a quick “head’s up” on a few programs that are
questionable at the moment:

Bulldog Safelists – The owner has reportedly fell ill and is not
answering emails or running campaigns…even though they continue
to accept new orders.

10000FreeVisitors – Not answering emails or filling orders.
Apparently, they are under new ownership, but this is NOT the way
to start a business.

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Sneaky Email Scams That You Should Be Aware Of

Scam Emails

In order to get people’s money and identities nowadays, there are thieves out there who will “go the extra mile” to gain ill-gotten profits for themselves. What has become a very common way of doing this is through email messages sent to unsuspecting individuals telling them that they have won money in online lotteries after their email address was picked from a million others. The amounts people are said to “win” varies, and as I have seen for myself can go up to $20,000,000, and even more. I have received so many of these emails that if they were all true, I would be a multi-billionaire by now! In any case, if you should happen to get one of these emails in your inbox, disregard it and delete it immediately. DO NOT RESPOND TO THE QUERIES OF THE EMAIL. They generally ask that you send them your name, address, occupation, telephone number, etc. in order to “claim your funds” – in reality it is the way in which they get info on you and thus try to get money by pretending to be you.

Another popular scam is where you receive an email from someone who addresses you as “Dearly Beloved” or comes to you in “The Name of Jesus”. These phrases are used to fool people into believing that the sender of the email has your best interest at heart or that they are desperately in need of funds for a non-existent charity or to fund a “life-saving” surgery. Many even go as far as putting up fake websites which they make reference to in their emails so as to appear legit. You may find these sites online for a while, but they quickly fade away and soon become non-existent. Do not be fooled. These people are only seeking ways to get your money. Do not send them any money nor respond to their request for your personal information.

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