According to the charity Citizens Advice, online scammers are preying on as many as four million people each year.
How can you protect yourself from becoming one of them? Look for these characteristics in the emails you receive:
- Unsolicited: You’re told you’ve won a lottery you never entered, or have inherited a fortune from someone you never knew existed.
- Addressed Generally: “Attention!” “Dear Friend,” “Attention the owner of this email,” “Hello, Dear.” Your name is not mentioned, because this email has been mass-mailed to thousands of intended victims.
- Appeals to religion: “Hello Beloved in the Lord” or “Yours in Christ” seeks to create a bond with those who deeply believe in God.
- Misuse of English: Mis-spellings and faulty grammar usually denote someone–probably a foreigner–using English as a second language. Examples: Run-on sentences; “you’re” for “your”; “except” instead of “accept”; “Dear Beneficial” instead of “Dear Beneficiary.”
- Appeals to Sympathy: “My husband just died” or “I am dying of cancer.” This is to make you feel sorry for the sender and lower your guard as an intended victim.
- Use of Important Titles/Organizations: “Director,” ‘Barrister,” “Secretary General of the United Nations,” “Police Inspector.” This is to impress recipients and convince them that the email comes from a trusted and legitimate organization.
- Request for Personal Information: This includes some combination of: Name / Address / Telephone Number / Bank Name / Bank Account Number / Fax Number / Driver’s License Number / Occupation / Sex / Beneficiary / Passport Number
- Claims of Deposit: “We have deposited the check of your fund to your account” is a typical line to instantly grab your attention. Someone you’ve never heard of claims he has just put a huge amount of money into an account you know nothing about. Nor can you access it unless you first pay a “contact fee.”
- The “Bank” is in Africa: Unless you know you have relatives there, this should be a dead giveaway to a scam. Africa is a continent kept alive by the charity of other nations. It’s not in the business of doling out large sums of money to Westerners.
- Overseas Phone Numbers: If you call these, you’ll have a huge bill. So many people skip calling and just send the money “required” to receive their “cash prize.”
- Highly Personal Requests: Asking you–someone they’ve never met–to assume the burden of acting as the executor of their “Last Will and Testament.”
- Love Scams: The scammer poses as a man or woman–usually outside the United States–seeking love. A series of emails flows back and forth for days/weeks, until the scammer says s/he will be glad to fly to the United States to be yours. All you have to do is put up the money for the flight cost.
- “Make Money From Home”: With most employers refusing to hire, “work from home” scams promise a way to support yourself and your family. You’re required to provide bank information or pay an up-front “registration fee.” Then you wait for job orders–that never come.
- Debt Relief: Scammers promise to relieve most or all of your debt–for a large up-front fee. You pay the fee–and are not only out of that money but still in debt.
- Home Repair Schemes: Huge down payments are required for home repairs that never happen.
- “Free” Trial Offcers: The service or product is free for awhile, but you must opt out later to avoid monthly billings.
- The Email Claims to Be From the FBI: Often the “address” includes “Anti-Terrorist and Monetary Crime Division.” One such email was addressed: “Dear Beneficiary” and offered help in obtaining a “fund.” The FBI is an investigative agency responsible to the U.S. Department of Justice. It does not resolve financial disputes or secure monies for “deserving” recipients. If the FBI wants to contact you, it will do so by letter or by sending agents to your address. The FBI’s own website states: “At this time we do not have a national e-mail address for sending or forwarding investigative information.”
- “I Need Help”: You get an email claiming to be from someone you know–who’s “in jail here in Mexico” or some other foreign country. S/he begs you to send money for bail or bribes to win his/her freedom. If you get such an email, call the person to make certain. Don’t rush to send money–chances are it will go directly to a scammer.
FBI Headquarters: Where stopping cybercrime is now a top priority.
There are several commonsense rules to follow in protecting yourself from online scammers:
- Don’t trust people you’ve never met to want to give you money.
- Shop online only with well-known merchants who have a good reputation.
- If an email from a stranger asks you to send money, don’t do it. If the sender claims to be a friend, call your friend first to make sure it came from him.
- Don’t click on unknown links–especially those in emails from unknown senders.
- If you’re required to pay an advance fee–“on faith”–to receive a big amount of money, the odds are it’s a scam.
- If you can’t find any solid information on a company, chances are it doesn’t exist.
- Under its new director, James Comey, the FBI is mounting a major effort against cybercrime. Click on its page at http://www.fbi.gov/about-us/investigate/cyber for solid advice on how to protect yourself online.
- If it sounds too good to be true, the odds are: It is untrue.

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KGB AIRWAYS: PART ONE (OF EIGHT)
In Business, History, Law, Self-Help, Social commentary on November 13, 2014 at 12:12 amDuring the Thanksgiving holiday period, 24.6 million passengers are expected to travel on American airlines.
The busiest travel day during the holiday–and the year–will be the Sunday after Thanksgiving as many travelers return from holiday visits
And many of them will become the victims of KGB Airways.
In truth, many airline personnel treat passengers the way KGB agents once treated Soviet citizens–with the arrogance that comes from holding near-absolute power over the lives of others.
Consider the following:
ESSENTIAL NEEDS DURING EXTRAORDINARY DELAYS
In the case of extraordinary events that result in very lengthy onboard delays, American will make every reasonable effort to ensure that essential needs of food (snack bar such as Nutri-Grain®), water, restroom facilities, and basic medical assistance are met.
We are not responsible for any special, incidental or consequential damages if we do not meet this commitment.
Translation: On one hand, American promises that it will try to ensure that “essential needs of food, water, restroom facilities and basic medical assistance are met” during “very lengthy onboard delays.”
On the other hand, if they “do not meet this commitment,” that’s just the passengers’ tough luck.
ACCEPTANCE OF PASSENGERS
American may refuse to transport you, or may remove you from your flight at any point, for one or several reasons, including but not limited to the following:
Translation: “American may refuse to transport you, or may remove you from your flight at any point” for just about any reason it wants to give.
Click here: American Airlines Conditions Of Carriage On AA.com
DELAYS, CANCELLATIONS AND DIVERSIONS
American Airlines will provide customers at the airport and onboard an affected aircraft with timely and frequent updates regarding known delays, cancellations and diversions and will strive to provide the best available information concerning the duration of delays and to the extent available, the flight’s anticipated departure time.
We are not responsible for any special, incidental or consequential damages if we do not meet this commitment.
Translation: On one hand, American promises to give customers “timely and frequent updates regarding known delays, cancellations and diversions.”
On the other hand, American absolves itself from any damages “if we do not meet this commitment.”
And how does all this translate into action?
After taking a seat she was told by a flight attendant that she needed to speak with the captain, who found the T-shirt “offensive.” He said she would have to change before she could re-board the plane.
The passenger claims this interaction caused her to miss her connection: Her luggage was checked and “changing shirts without spending money wasn’t an option.”
Business Insider ranked American Airlines 8th on a list of The 19 Most Hated Companies In America.
A male JetBlue employee walking down the aisle noticed Knowles. He told her he didn’t think she was wearing enough clothing.
An argument erupted when the employee put his walkie-talkie between her legs to see if she was wearing shorts underneath. When Knowles objected, the JetBlue worker brought her off the plane and to a hangar.
There she modeled for the employees, showing that she was wearing shorts.
She returned to the plane, but the same employee once again approached her and said: “The captain is refusing to fly you today. We need to remove you from the flight.”
After waiting four hours for another flight, she arrived in Florida. Apparently the crew of that plane didn’t have any problem with her attire.
Knowles has since filed a lawsuit against JetBlue.
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