Tag Archives: money
Beware of calls from 206-337-9266 – Big Money ATM Scammers
March 11th, 2010. Published under Business Scams, Fraud, Scams. No Comments.
I hate automated messages left on my answering machine. Last night I received a call from 206-337-9266 asking me if I needed money now. The message left by the scammers smelled all too much like a typical get rich quick scam. In the message they left a domain name (Big Money ATM .Com – i put spaces in it to prevent accidently hyperlinking). I pulled the domain registration for the domain and of course it is a private registration that hides the owners true identity. If the caller and owner were legitimate the domain “who is” record would display the actual owners. the scammers use GoDaddy registration and hosting services. It figures. Most of the email scams and robo-caller phone scams I see or hear all point back to GoDaddy.com hosting and domain registration services. If you get a call from 206-337-9266, report them to the Federal Trade Commission ( www.ftc.gov ). Maybe one day GoDaddy will actually enforce their terms of service and boot scammers like this.
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Beware of calls from 206-337-9266 – Big Money ATM Scammers
Finding a Job in 2010, Job Search, and leaning hard on who you know not what you know.
March 9th, 2010. Published under Unemployment. No Comments.
visionvictorymanifesto.com Rate, Comment, and Subscribe Please share your ideas here or on visionvictorymanifesto.com Friends of the visionvictory Channel(NOT sponsors) Cslfinancialgroup.net tell them visionvictory sent you apmex.com goldmoney.com
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Finding a Job in 2010, Job Search, and leaning hard on who you know not what you know.
“Liberals For Lindsey” List Grows – FITSNews
March 6th, 2010. Published under Political Scams. No Comments.
FITSNews “Liberals For Lindsey” List Grows FITSNews So … where is the money for this scam … err ad … coming from? We've got our people looking into the funding sources for the “American Values Network,” and … and more
Recession Obsession in 2010
March 2nd, 2010. Published under Economic News. No Comments.
The economy cannot be sustained indefinitely; the pattern of ups and downs support in history supports this. Skittish consumers and conglomerate businesses can only have so much growth before the money that is in the system just does not exist to sustain it. The current recession is one being faced by a much younger workforce for
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Recession Obsession in 2010
From the Desk!: Monday, March 1, 2010 – WTVM
March 1st, 2010. Published under Money Order Scams. No Comments.
From the Desk!: Monday, March 1, 2010 WTVM MONEY ORDER SCAM : In a News Leader 9 exclusive investigation, Lindsey Connell is revealing the latest mail-order scam to hit our area. …
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From the Desk!: Monday, March 1, 2010 – WTVM
Federal Trade Commission Issues Report of 2009 Top Consumer Complaints – Debt Collection #2
February 24th, 2010. Published under Business Scams, Fraud, Scams. No Comments.
What bothers me the most is that debt collection complaints ranks number 2, the Federal Trade Commission received 119,549 complaints and only a handful of enforcement actions in 2009. As far as I am concerned the Federal Trade Commission is as useless as “tits on a boar hog” in regards to enforcing the FDCPA and FCRA. Congress needs to light a fire under the FTC or vote the new consumer protection agency into power. —- The Federal Trade Commission today released a report listing top complaints consumers filed with the agency in 2009. It shows that while identity theft remains the top complaint category, identity theft complaints declined 5 percentage points from 2008. The FTC is releasing a new animated video showing how people can file a complaint, and offers examples of what complaints the FTC handles. To watch the video, visit http://ftc.gov/multimedia/video/scam-watch/file-a-complaint.shtm (also available in Spanish at http://ftc.gov/multimedia/video/scam-watch/file-a-complaint_es.shtm ). The report breaks out complaint data on a state-by-state basis and also contains data about the 50 metropolitan areas reporting the highest per capita incidence of fraud and other complaints. In addition, the 50 metropolitan areas reporting the highest incidence of identity theft are noted. The top complaints were: Rank | Category
Defeat cap and trade legislation – StandardNet
February 2nd, 2010. Published under Fraud, Political Scams. No Comments.
The Money Times Defeat cap and trade legislation StandardNet Nevertheless, cap-and-trade legislation has sailed through the House and awaits Senate action. It must be defeated along with efforts to fund the United … Leake and the London Times: Climate Scientists thwarted FOIA Big Government (blog) Gladstone Republican thinks climate science is 'fraudulent' Pitch Weekly (blog) Global Warming Makes the Case Against Global Government Canada Free Press Hot Air (blog) all 89 news articles
Jeremy Kyle – Unemployment and YOUR money…
January 28th, 2010. Published under Unemployment. No Comments.
Young unemployed youth infuriates Jeremy to the point where he just gives up on him. On a serious note, this clip is very sad.
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Jeremy Kyle – Unemployment and YOUR money…
Stick It To Sue Happy Debt Collectors Book Now Available in Print Edition
January 9th, 2010. Published under Fraud. No Comments.
Allen Harkleroad’s latest book, “Stick It To Sue Happy Debt Collectors” is now available in print. Synopsis Beat Greedy Lawsuit Filing Debt Collectors At Their Own Game. Learn to Fight Debt Collection Lawsuits and WIN! Have you been sued by a debt collector or law firm over a debt?
Question to the Masses or anyone who reads this
January 8th, 2010. Published under Tea Party. No Comments.
With all the money being put towards alternative power by our leaders, how many can actually affored to put their home on wind, or solar power? I think only the rich can afford it. What do you say?
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Question to the Masses or anyone who reads this
NOW AVAILABLE – New Book – Stick It To Sue Happy Debt Collectors
December 31st, 2009. Published under Business Scams. No Comments.
I Allen Harkleroad, have released a new book titled “Stick It To Sue Happy Debt Collectors”. This is my second consumer book and I believe is a much needed resource for consumers having financial difficulties. To purchase or for more information go to www.BeatDebtCollectors.com . What you will read in my book is based on own personal experiences and what I learned from dealing with debt collector lawsuits over the last couple of years. For the record I have been sued so many times over the last couple of years that I have literally lost count. I can tell you one thing with one hundred percent certainty; I win in court and stick it to sue happy debt collectors, attorneys and law firms. It took a while to learn out how to how to fight a debt lawsuit, represent myself in court and win. Most consumers have no idea how to deal with debt lawsuits and most cannot afford to be represented by an attorney. This is why I wrote this book. In this book I will cover original creditor lawsuits and junk debt buyer lawsuits. Both are very similar in the way that you will deal with them. I will also cover how to keep debt collectors off your back before any lawsuits are filed. I also cover how and when to sue a debt collector for violations of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). My ultimate goal is to show you how to overwhelm the opposing attorney and to show them that the burden of proving the debt is going to be an arduous, long, tiring and expensive (for them) journey. Most attorneys will bailout (voluntary dismissal) once they see that they have to spend time and money to prove the case. I am not an “easy money target” and after you read my book neither will you. My goal when responding to either an original creditor or junk debt buyer lawsuits is to overwhelm the opposing attorney and forcing the burden of proof on them. As I said earlier my debt collector attorneys and law firms are looking for easy money (default judgments). I turn the tables and show them that they must actually work to get a judgment. Did you know in upwards of ninety-percent (90%) of credit card debt lawsuits that are filed the attorney has insufficient proof that you owe the debt? The reason is that the proper documentation was lost or never transferred to the law firm or the debt buyer. Did you know that one in ten (1 in 10) consumers served with a debt lawsuit will never respond or show up (for whatever reason). In some cases the consumer was never made aware of the lawsuit or possibly it could be because of embarrassment or fear. You’ll see results like this TABLE OF CONTENTS Foreword – written by Chris Gleason a prominent consumer protection attorney Acknowledgements Introduction Chapter One – Important Things You May Not Know About Debt Lawsuits Chapter Two – Defending Yourself (Pro Se) Is Mostly Paperwork Chapter Three – Original Creditor Lawsuits Answering the Complaint and Affirmative Defenses – Deny Everything Example Answer and Affirmative Defenses Explanations of the Affirmative Defenses and Other Affirmative Defenses Filing a Motion to Dismiss and Sworn Denials Using the Federal Truth in Lending Act to Your Advantage Breach of Contract not Suit on Account The Motion to Dismiss and Sworn Denial Bombshell Motion to Strike Affidavit of Debt or Affidavit of Account Discovery – Interrogatories, Request for Production of Documents, Request for Admissions Responses to Plaintiff’s Discovery Chapter Four- Debt Buyer (junk debt collectors) Lawsuits Answering the Complaint and Affirmative Defenses – Deny Everything Explanations of the Affirmative Defenses and Other Affirmative Defenses The Motion to Dismiss and Sworn Denial Bombshell Motion to Strike Affidavit of Debt or Affidavit of Account Discovery – Interrogatories, Request for Production of Documents, Request for Admissions Chapter Five – Dealing with Debt Collectors Before They Sue You The Never and Always Tips for Dealing with Debt Collectors How to Pay Collection Agencies or Creditors How to Sue Debt Collectors for Violations of the FDCPA Or FCRA Fair Credit Reporting Act (FCRA) Violations Whether you owe a debt or not, this book will give you tools that you can use to get these lawyers off of your back. An attorney friend of mine once told me, “This is America so make them prove you owe them, if they can’t you win”. In as many as ninety percent (90%) of credit card debt lawsuits, the lawyers filing the suits don’t have the documentation to prove that you owe the debt. This book also shows you how and what to file in court to make them back off. REMEMBER: Credit card lawsuits are civil lawsuits. They CANNOT put you in jail even if you lose. So if you are worried or scared, DON’T BE. Most of these sorts of lawsuits are scare tactics by debt collectors (and debt collection law firms) to scare you (to keep you from answering or responding). When they see that they must work for the money, often times they’ll go away. To purchase or for more information go to www.BeatDebtCollectors.com .
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NOW AVAILABLE – New Book – Stick It To Sue Happy Debt Collectors
New Book – Stick It To Sue Happy Debt Collectors
December 28th, 2009. Published under Business Scams. No Comments.
I (Allen Harkleroad) am about to release a new book titled “Stick It To Sue Happy Debt Collectors”. This is my second consumer book and I believe is a much needed resource for consumers having financial difficulties. What you will read in my book is based on own personal experiences and what I learned from dealing with debt collector lawsuits over the last couple of years. For the record I have been sued so many times over the last couple of years that I have literally lost count. I can tell you one thing with one hundred percent certainty; I win in court and stick it to sue happy debt collectors, attorneys and law firms. It took a while to learn out how to represent myself in court and win against lawsuit happy debt collection law firms and debt collection companies. Most consumers have no idea how to deal with debt lawsuits and most cannot afford to be represented by an attorney. This is why I wrote this book. In this book I will cover original creditor lawsuits and junk debt buyer lawsuits. Both are very similar in the way that you will deal with them. I will also cover how to keep debt collectors off your back before any lawsuits are filed. I also cover how and when to sue a debt collector for violations of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). My ultimate goal is to show you how to overwhelm the opposing attorney and to show them that the burden of proving the debt is going to be an arduous, long, tiring and expensive (for them) journey. Most attorneys will bailout (voluntary dismissal) once they see that they
I Can’t Say This Enough: When Sued By a Debt Collector You Need to Respond and Show Up
December 25th, 2009. Published under Business Scams. No Comments.
According to a Scripps News article ( read it here ) upwards of 70 percent of consumers sued over credit card (or other) debts never show up, either because they don’t think showing up will help any, or they are too embarrassed or never receive notification of the lawsuit. Debt collectors are filing lawsuits and winning judgments against thousands of Americans every year, often without having any concrete evidence to support their claims. That’s because the defendants often don’t appear at the hearing. Not showing up in court results in an automatic win for the collectors, and that, in turn, often gives them the legal right to tap a debtor’s bank account or salary. “I’m behind the eight ball,” said James Flanagan, a Suffolk County, N.Y. judge who oversees 25 debt collection cases a day. In all but one or two of Flanagan’s cases, the defendant does not show up, Flanagan said. “I can’t do anything about it.”
Those CRU emails expose Copenhagen as a farce – First Post
December 18th, 2009. Published under Political Scams. No Comments.
First Post Those CRU emails expose Copenhagen as a farce First Post Wondering why the chatter is about carbon and not hunger, ' carbon credits ' and not effective malaria control? Then follow the money as Mr Cockburn suggests … and more
Business Bureau’s top 10 scams – Agassiz Harrison Observer
December 17th, 2009. Published under Political Scams, Scams. No Comments.
Business Bureau's top 10 scams Agassiz Harrison Observer Remember that money transfers and direct debit are two of the main methods by which scam artists seek to obtain your money. to charge fees to credit cards. … and more
Inheritance Scams
December 16th, 2009. Published under Scams. No Comments.
If you receive an email, or notification via regular mail, from an ‘estate locator’ claiming that there may be an unclaimed inheritance to which you are entitled then don’t get excited too quickly. Sure, there are times when someone dies and leaves a sum of money to people who didn’t know them, or didn’t expect to inherit anything from them, but that tends to be the exception rather than the rule. So, if you do receive such a notification from an ‘estate locator’ suggesting that you have an inheritance due then remember that if something sounds too good to be true it typically is. THE INHERITANCE CON Con artists will adopt any scheme that they think will part a fool from his money. They will tell you that you are due an inheritance and that they have found you by undertaking extensive research. Don’t feel flattered that they have found you though – inheritance scammers bulk mail the same message to hundreds, or even thousands, of people at the same time, hoping that one or two may reply. Those people who do reply are then enticed into a classic advanced fee scam , being told that they need to pay for various expenses before they can claim their inheritance. Such fees can include estate reports, legal costs and processing fees. Needless to say, this money disappears without a trace and no inheritance is ever forthcoming. PREVENTION Keeping yourself safe from inheritance scams is relatively easy and just requires some commonsense. If you receive mail from an ‘estate locator’ then check sources other than the ones they quote to you, such as relatives and obituaries. Additionally, business services such as the BBB and the AG’s office could tell you if you are being approached by an individual or company that has been investigated in connection with inheritance scams. Remember too that legitimate law firms and executors of wills will never require you to pay a fee in order to determine whether you are entitled to an inheritance or not. If you have been unfortunate enough to become a victim of such a scheme then report it to the authorities so that others do not have to experience the same fate. Inheritance Scams is a post from: Scam Types dot Com Check out The Best Internet Security Programs Of 2009
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Inheritance Scams
Protecting forests through democratic institutions – Livemint
December 6th, 2009. Published under Political Scams. No Comments.
Protecting forests through democratic institutions Livemint Finally, India and other governments propose that much of this money can come through carbon trading. Companies here can earn “ carbon credits ” by Redd …
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Protecting forests through democratic institutions – Livemint
Congressman Nadler Defends ACORN, Again – Big Government (blog)
December 3rd, 2009. Published under Political Scams. No Comments.
Congressman Nadler Defends ACORN, Again Big Government (blog) They did it for the money! it was inthe fox news the other day that GE would be forced out of bussiness if the new cap and trade bill doesn't pass because … and more
Why do climate deniers hold sway in Australia? – guardian.co.uk
December 2nd, 2009. Published under Political Scams. No Comments.
Why do climate deniers hold sway in Australia? guardian.co.uk You want to follow the money, well it seems carbon credits make some alarmists rich, book sales others and research grants make yet others tell porkies. … and more
What Is Disability Fraud?
November 15th, 2009. Published under Fraud, Scams. No Comments.
Its a sad thing to say but it seems that earning money illegally is becoming easy these days. One such method I’ve noticed, and it really upsets me, is disability fraud. Personally I think it is right that we, as a society, look after those who are unfortunate to be disabled. However, there are many individuals who feel that it is ok to play the system and claim benefits for disabilities they do not have . In both legal and medical terms disability does not mean that a person is physically handicapped. Just because a person is able to do all the things that a normal man can do it does not really imply that the person is not disabled. There are a number of medical conditions which are not physically visible but they are still termed as disabilities. Invisible Disabilities Such disabilities are known as “invisible disabilities”. This is the area in which criminals are taking advantage of the system and literally cashing in. Below are some of the common types of invisible disabilities – Chronic Dizziness: This kind of disability is related to an improper functioning of the inner ear. Such a problem would cause problems to a person whilst performing some of the basic tasks like walking, sleeping or working. Chronic Fatigue: If a person does not feel like working and always feels totally tired, then he might be suffering from Chronic Fatigue. This can have a very negative impact on the person’s daily life routine. Mental Illness: Some forms of this disability can make a person mentally so vulnerable that they find basic and common daily tasks very had to perform. Disabilities like agoraphobia, depression, lack of concentration and schizophrenia are categorized under mental illness. Chronic Pain: Some bone or physical injuries and back problems can lead to chronic pain. This kind of pain or disability might not be visible to everybody but people linked with the medical fraternity will easily detect such disability. Of course there are a great many people with invisible disabilities such as those above who are perfectly genuine and who are suffering. Unfortunately, however, there are also many people who fake such conditions for financial gain. Types Of Disability Fraud Below are some of most common types of disability fraud – Doing legitimate work despite claiming to be suffering from disability: It has been found that people suffering from various invisible disabilities are working in jobs they claim they cannot do while enjoying the benefits offered for the disabled. Pretending to be suffering from any kind of Injury: People do pretend to be suffering from some kinds of illness and even doctors can’t prove that wrong. So they intentionally pretend to be disabled, in order to enjoy the benefits offered to them by various agencies. Continuing to claim benefits even after recovering from disability: Not all disabilities are permanent and people are cured every day. Some, however, continue to claim benefits for many years afterwards regardless though. Tackling Disability Fraud Disability fraud is extremely hard to prove and prosecute. Many governments have already initiated various methods to tackle disability fraud but cynics, such as myself, wonder if they are doing enough, especially when recategorising such people as being merely unemployed could prove detrimental to their boasts of keeping jobless figures to a minimum. Doctors cannot always detect whether a claim of disability is genuine or not and the politically correct society we live in now means you really ought to be very careful about questioning whether benefits claimants are legitimate or not. Having said that, here in the UK we are encouraged to grass on our neighbours (another ploy designed to destroy society no doubt) but could you tell whether the disabled person living next door to you was faking it? Probably not. I don’t know what the answer is but I do know that we need to cut out disability fraud. I’m of the opinion that far too many people claim benefits for fake disabilities in order to avoid working and we really ought to get them off their lazy backsides and into work so that they can contribute to society, allowing us to divert the money saved to those who really need it.
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What Is Disability Fraud?
Kaspersky Internet Security 2009
October 23rd, 2009. Published under Fraud, Scams. No Comments.
If you use a computer and have ever searched for an internet security program or antivirus then you will almost certainly have come across the name Kaspersky. The Russian Security specialist has earned a respectable name in a very short period of time. As you hopefully know by now, a computer without an antivirus program is much like a bank vault without a door. Enter Kaspersky Internet Security 2009 – one of the best all-in-one security packages for all types of users. Kaspersky Internet Security 2009 integrates all the significant programs that can protect your computer from a wide range of external threats. This is achieved through the inclusion of – a robust anti-virus scanner a strong firewall an anti-spyware scanner and parental controls. The quality of these components has led to Kaspersky Internet Security 2009 winning several awards. From the moment you install this internet security program on your computer, you will surely find life easier, as well as being protected from virtually all current threats. Features Below are some of Kaspersky Internet Security 2009’s features which make is a hot favorite in this competitive market – User-friendly graphical interface This is a feature on which the designers have obviously worked really hard. Kaspersky Internet Security 2009 has got a very clean and intuitive interface that is easy to navigate. All it’s features and options are well laid out and this can only help you take care of your computer better. Antivirus Program, Spam and Anti-Phishing Program I’ve said it before, and I’ll say it again, you must have an antivirus program installed if you are a Windows user. Kaspersky’s antivirus component is supported with a huge database (which can also be updated), which makes sure that your computer is safe from all the latest viral infections. KIS 2009 goes beyond some of the alternative antivirus programs as it is provided with e mail scanner which detects and deletes spam and phishing emails too. KIS 2009 also introduces Secunia vulnerability scanning, which is one of it’s best features. KIS 2009 scans all the applications that are installed on your computer to let you know about the vulnerable programs and by removing those applications you can enhance the security parameters of your computer. This makes KIS 2009 far more advanced than some other basic antivirus programs that you could get elsewhere. Robust Firewall Having an alternative firewall to the default Windows one is always beneficial. Kaspersky Internet Security 2009 offers its users robust Firewall protection against many different types of rogue applications and programs. KIS 2009 also allows its users to customize the settings of the Firewall as per their own individual requirements. Proactive defense tool and Parental Control If standard antivirus programs are meant to protect your system from standard viruses then KIS 2009 features its Proactive defense tool which detects any king of suspicious activity on your computer and terminates such applications. Parental Control features enable you to customize the settings of your computer to ensure a safe browsing environment for your kids. The Kaspersky brand is highly popular because they ensure a high level of trust in the minds of their users when it comes to protecting their computers for any viral threats such as rootkits, spam, malware and adware. Kaspersky Internet Security 2009 is extremely worthy of your money and is undoubtedly one the best options available on the market today. Kaspersky Internet Security 2009 is a post from: Scam Types dot Com Check out The Best Internet Security Programs Of 2009
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Kaspersky Internet Security 2009
Pique’n yer interest – Pique newsmagazine
October 21st, 2009. Published under Political Scams. No Comments.
Pique newsmagazine Pique'n yer interest Pique newsmagazine Now carbon neutrality is a scam all its own. Part of Whistler's effort to get there is spending the money on carbon credits to offset its emissions. …
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Pique’n yer interest – Pique newsmagazine
What Exactly Is Scareware?
October 19th, 2009. Published under Fraud, Scams. No Comments.
The term ‘Scareware’ is often applied to software that is in some way deceptive. (Scareware can also be known as fraudware and includes rogue scanners) A future article will look at how scareware has evolved into ‘ransomware’. What Is The Point Of Scareware? The aim of scareware is quite simply to frighten people into buying something that they otherwise wouldn’t want. In many respects scareware acts like a Trojan, deceiving recipients into installing an unwanted program. Whilst scareware can refer to many different types of products it is typically associated with antivirus scams in which the tactic is to suggest that your computer is either at risk or already infected. Naturally, the scareware then offers the solution – a highly overpriced piece of software which offers to right all the wrongs that have been identified on your system. In fact, only today, I read an interesting article on the BBC website which claims up to 40 million people have fallen victim to such scams in the last year! Its no surprise then that scareware scams are a growth industry – too many internet users have insufficient knowledge to protect themselves and are easily duped by such schemes, spending their money on fake antivirus products that either do not work or, in some cases, actually install Trojans and viruses themselves. How Does Scareware Work? There are 3 main ways in which scareware will trick you somehow – Getting you to pay up – You buy the fake antivirus product, which is bad enough, but then the scammers take your credit card details too! Zombie time – Many scareware programs will ensnare the victim machines into a botnet which can then be used for sending spam or engaging in DDoS attacks. Identity theft – Scareware can install keystroke loggers and Trojans which will record what you do online and search your files for anything containing your private or financial information. How Do I Protect Myself Against Scareware? Avoiding scams isn’t so hard – common sense and inquisitiveness go a long way. If a popup window appears on your computer then you should question it and never, ever buy online unless you yourself have taken your browser to the page you wish to buy from. Here are 3 more tips for avoiding scareware and fake antivirus scams – Only use antivirus programs that have come from a legitimate security vendor – here are the best 10 free ones . Always read your email in plain text – this looks horrible but will display links as they really are, rather than disguised by fancy pictures. Be wary of email attachments – unless you completely trust the sender then do not open them and never be tempted by email offers of free antivirus programs from companies you’ve never heard of. Once again, only buy or download security software from trusted sources – here are 10 more that I trust – and stay safe!
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What Exactly Is Scareware?
The surpression of Truth from a liberal political front
October 14th, 2009. Published under Tea Party. No Comments.
Well, it looks like Rush Limbaugh’s money is worth nothing to those who love their money and politics over this country. How ironic, this political affront to anyone who doesn’t think as they do. Ye
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The surpression of Truth from a liberal political front
Fighting Back Against Spam
October 7th, 2009. Published under Fraud, Scams. No Comments.
Spam wastes your time, and when you’re using your mobile device, it wastes your money. Of course I’m not talking about Hawaii’s favorite canned meat. I’m talking about unsolicited commercial e-mail, junk e-mail in fact. Once your e-mail finds its way onto a spammer’s list, your inbox is inundated with spam advertising from personal enhancement ads to car loan notices and everything in between. Spam Filters Many e-mail service providers provide some sort of anti-spam service that filters out spam messages with varying degrees of success. If you have access to one of these services I suggest that you use it, but monitor it to make sure that it doesn’t mistake your legitimate e-mail for spam. Spam filters usually move suspected spam to a junk folder where you can view it at your convenience, just to make sure that no real mail gets deleted by mistake. Spam Prevention The best way to reduce spam is to prevent your e-mail address from getting on a spammer’s e-mail list in the first place. When one spammer has it, they will all get it sooner or later. Also, once you’re on a list there’s no way to get off of all of them; you’re going to get spam forever. There are a few ways that you can avoid getting on spam lists though – Don’t ever give out your real e-mail address when filling out online forms, especially when you’re entering contests or claiming “free” prizes. Don’t post your e-mail address to Web sites or discussion and news groups. Don’t post to discussion or news groups from your real e-mail account. Consider setting up a throwaway or junk e-mail account that you can use as the address you give out when you sign up for stuff online. This way once the address starts finding its way onto spammer lists, the spam doesn’t wind up in your real inbox. Periodically, you can log in and check the spam account to delete piled up messages and make sure that no important mail is waiting there among the spam. Also, if you use a free e-mail service you’ll have to log in periodically to keep the account active. If you participate in Usenet or other discussion groups, don’t post from your real e-mail account. Spammers use automated software that scans groups and compiles lists of e-mail addresses. Post from your throwaway account, and keep your inbox spam-free. The automated software that spammers use also can detect and copy e-mail addresses from Web pages and the bodies of news postings. If you post from your junk account but list your real e-mail address in the message body you’ll end up on the junk e-mail lists. If you must post your real e-mail address, obfuscate it so that the spammers scanning software won’t recognize it as an address. For example, if your e-mail address is you@yourisp.com, you could post it as “you at yourisp dot com” or “youNOSPAM@yourNOSPAMisp.com.” Either one would be decipherable by a reasonably intelligent human being, but not by a spam-bot. Reporting Spam Besides filtering, another step that you should take is to report spam. Rather than ducking and hiding we should start hitting back. Many spammers use (abuse) someone else’s mail server, often without their knowledge. If you take the time to report the spam, mail administrators can take action and stop spammers from abusing their servers. Web sites that use spam to advertise may be in violation of their service agreements and reporting the spam can get them shut down. The best reporting tool I have found is Spamcop.net . Once you register, you can report spam through an online form or by forwarding spam to an e-mail address that they assign you. You also can get a spamcop.net e-mail address, which spamcop.net monitors to filter out spam.
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Fighting Back Against Spam
What Exactly Is A HYIP Scam?
September 28th, 2009. Published under Fraud, Scams. No Comments.
Firstly, for those of you who don’t already know, HYIP stands for High Yield Investment Program. HYIPs are one of the most common scams on the internet today, though they became a source of income for scammers well before the digital age. There are a huge number of people looking to make extra money, for many reasons, including becoming debt free or in the hopes of giving up their day job. A large proportion of those people have internet access and will come across some of the thousands of HYIPs that are circulating the net at any time. The allure of HYIPs is the promise of large returns on small investments, the type of investment a lot of potential internet investors may believe they can afford. With some HYIPs offering returns from 10% to even 50% per day on an investment of as little as $10, it is easy to see why some people get suckered into them, especially when it is known that some people do make the quoted returns. The downside of HYIPs, however, is that a larger number of people lose all their money. In order for the HYIP to pay out to some investors, they use the money invested by the newer members. In other words, a high yield investment program is nothing more than a Ponzi scheme. Whilst anyone getting in early could make a profit, the truth is that the only people consistently making money from HYIPs are those that start them. As no-one really knows how much money is circulating at any time it is impossible to predict when the HYIP will crash, as it surely will. Therefore, investing in one is not much different to flipping a coin – ‘HEADS’ I win : ‘TAILS’ you lose
How Craigslist Scams Can Be Avoided With Common Sense
September 17th, 2009. Published under Scams. No Comments.
Have you ever shopped on Craigslist? If so, then you probably know that they offer tons of deals (including wives – see Yuliyana Kalinina And The Green Card Marriage Scam ). Sometimes, people buy stuff and then they don’t want it after a period of time and sell it for cheap. Other times, people receive gifts and sell those gifts back for cash. Everything seems ideal, right? Like the old adage goes, “One man’s trash is another man’s treasure.” However, if you’re a Craigslist shopper you need to beware of all the scammers. For example, I read an article about a man in the UK trying to sell a car to a man in the US, and when the money was sent, there was no car and no trace of the man who claimed to want to sell the car. Further, there was a case about a person who bought a 500 dollar gift card for Macy’s for only 50 bucks! But it turned out, the card had a balance of zero dollars and zero cents on it – the buyer should have called to check. As you can see, these cases teach us a lot about scams and scammers. Most of the scams you will come across are often very obvious – I mean, who would sell you a 500 dollar gift card for 50!?! And scammers tend to be very distant and compromising when it comes to it. So, watch out if you’re going to buy stuff on Craigslist!
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How Craigslist Scams Can Be Avoided With Common Sense
FREE – Consumer Credit DVD Available to Consumers
September 9th, 2009. Published under Scams. No Comments.
The Center for Consumer Law at the University of Houston has produced an educational DVD entitled “Money, Credit and the Law–Know Your Rights.” Funded in part by grants from the Texas Bar Foundation and Money Management International, the video shows consumers how the law protects them from abusive practices. It also explains how knowing your legal rights can resolve some credit problems, and let you work out a reasonable payment plan. The DVD is available to be viewed online at www.peopleslawyer.net , or, will be sent free to anyone who requests one from me, alderman@uh.edu Thanks to the Public Citizen Blog for the info
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FREE – Consumer Credit DVD Available to Consumers
Read My Mind For These 8 Tips On Avoiding Psychic Scams
August 26th, 2009. Published under Fraud, Scams. No Comments.
I’ve said it before and I’ll say it again : I don’t believe that psychics are genuine. A huge number of my friends do though and I respect their opinion so here are some more tips for them, and you, on how to avoid a psychic scam – 1. DO NOT MAKE JUDGEMENTS BASED ON PHYSICAL APPEARANCE If you are meeting your psychic face to face then check out their physical appearance as well as their choice of clothing. If they have gone over the top with their make-up or are adorned in fancy robes and feathers then ask yourself why? If a psychic is in any way genuine then they wouldn’t need to resort to such amateur dramatics in order to convince you of that fact would they? 2.BEWARE OF BOGUS NAMES AND FANCY TITLES A psychic, if such a thing does truly exist, is someone who was born with a special gift. If they need to hide behind an obviously false or fancy name then you should wonder why. If they are using mystical names then perhaps it is because it is all part of their ‘act’. As for qualifications, well beware once again, as fake diplomas and degrees are a dime a dozen on the internet these days and so are quite meaningless unless you have the ability to check their authenticity. 3. WATCH OUT FOR HIGH PRICES Getting value for money is a good idea in every are of life of course. Its not always true that you get what you pay for so if your psychic is charging a couple of hundred bucks an hour then you should be curious as to why. The famous psychics of the world may be able to justify their high fees as they are used to good earnings from working on tv, etc. Other psychics may feel that they are worth it because of their level of experience and the years of training they have completed. Scam artists just don’t care though and will charge exorbitant prices to anyone they feel are sufficiently stupid to pay them. 4. DEMAND COHERENT READINGS, NOT BABBLE A psychic cannot possibly know every last detail about you but they should be able to convey what they do know in a simple manner that you can understand. If your psychic babbles on in a strange manner, spewing forth garbage that makes no sense whatsoever then remember you are paying for it. Whilst you may not be able to get specific answers you certainly should be able to get coherent answers from them. 5. GET YOUR MONEY’S WORTH If you are paying top dollar for a service then its only fair that you get maximum value from it. Its no good trusting everything to memory so take something you can record the reading with. A genuine psychic would, I’m sure, have no problem with you making a recording for your own future reference. If you then later play the reading back and come across something you are unsure of then you could call the psychic for further clarification. 6. DON’T BELIEVE EVERYTHING YOU ARE TOLD People who believe everything they are told probably deserve to get scammed. So don’t do it! A little skepticism goes a long way. If a psychic starts saying bad things are going to happen and the only way to prevent them is by paying them additional fees then are you going to believe that? 7. RELY ON WORD OF MOUTH This is probably the simplest tip on offer here. If you have friends or family members who use psychics then talk to them. If they are happy with the service they receive then there is a fair chance that you would be too. 8. WATCH OUT FOR COLD READINGS Cold readings are a psychic scam artists best friend. These people use psychology to learn as much about you as possible and they can do it in a mere moment. Got a Ferrari key ring? They know you are rich. Wearing a ring? They know you are married. White band where a ring used to be? They know you have relationship problems. Etc, etc, etc. Your clothing, accent and general body language give much away and these people will use that information to tell you what you are already expecting to hear. Not sure you can do much to mask who you really are but beware all the same.
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Read My Mind For These 8 Tips On Avoiding Psychic Scams
Mid state Group Financial of Jonesboro Georgia 770-473-6976 Email Spamming
August 4th, 2009. Published under Business Scams, Scams. No Comments.
This state of Georgia spammer claims to be Mid State
National Health Care Reform – A Convoluted Prostitution of our Constitutional Rights
July 30th, 2009. Published under Fraud, Scams. No Comments.
I am one of the nations uninsured. Back in November 2008 my wife broke her foot, the healing process was quite long (about 6 months). We paid out of pocket for the physicians care, x-rays and the walking cast boots she had to wear. Being uninsured we found that everyone we dealt with gave us a very nice cash discount for not using insurance. What a blessing that was. For the last two years my family has lived below the national poverty line. Things are tough. Both my wife and I are self-employed and we felt the economy going downhill nearly three years ago. In fact last year my wife closed her business (hair salon) and went to work for another salon. Closing the salon got rid of a huge amount of overhead. However, our combined income dropped because consumers were spending less and doing without. So far June and July has been the worst for us than we can ever remember in the past. We are just barely squeaking by, if you can even call it getting by. More like doing without many, many things. The main point of this is, I and my family cannot afford to buy insurance, nor do we want to have someone decide for us. It’s either pay our house payment, food and utilities or purchase health insurance. I bet you can guess where our money goes. If I don’t buy insurance, according to H.R. 3200 ( 1,017 page Bill in PDF format ) I could be penalized. Hey congress, just exactly where are you going to get money from me if I don’t? Are you going to force me to default on my home in order to pay, or are you going to garnish my bank account (then I can’t pay my bills or buy food for my family). Just exactly what are you (Congressional) idiots thinking? Congress can’t even (or won’t) fix Medicare or Social Security. Try fixing the things that are broken before you legislate more things that you will break and can’t fix. Put that in your pocket for a while and think about it. I don’t want anyone to dictate how, when or where I and my family get healthcare. I am a citizen of the United States and I have a freedom of choice. It doesn’t matter how much honey and perfume you pour over this bill, it still stinks as bad or worse than the TARP bailout from earlier this year.