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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THE COMING IMPEACHMENT
In Bureaucracy, History, Law, Politics, Social commentary on November 11, 2014 at 12:48 amSome Republicans–like Rep. Jason Chaffetz, R-Utah–want their new majorities in the House and Senate to make “producing legislation” a top priority.
But others will soon make the impeachment of President Barack Obama their top priority.
Here’s how it will happen.
“We now have the votes and we have the ability to call the agenda, so stop name-calling and let’s actually produce some legislation that helps jobs and the economy and moves our country forward,” Chaffetz said in an interview after Republicans captured the U.S. Senate on November 4.
Rep. Jason Chaffetz
“I think the country has figured that out, and they’ve given us the mandate to do it, and we better produce, or they’ll kick us out too.”
Obama has vowed to act unilaterally before year’s end to reduce the number of deportations and grant work permits to millions of illegal aliens living in the United States.
After promising to take executive action on immigration by the end of the summer, Obama delayed his plans until after the elections. Democrats–especially Senators from conservative states–had warned him that such administrative moves could threaten their reelection.
Illegal aliens crossing American borders by the millions
But on November 4, most of those Democrats lost anyway, leaving immigration advocates–and their millions of illegal alien constituents–feeling that the delay was needless.
“What I’m not going to do is just wait,” the president said as immigration legislation that the Senate passed in June 2013 remained stalled in the House.
Kentucky’s U.S. Senator Mitch McConnell–who will become Senate Majority Leader in January–has warned that this would be an in-your-face affront to the new majority GOP:
Mitch McConnell
“I think the president choosing to do a lot of things unilaterally on immigration would be a big mistake,” McConnell said. “It’s an issue that most of my members want to address legislatively and it’s like waving a red flag in front of a bull to say, ‘If you guys don’t do what I want, I’m going to do it on my own.’ …
“I hope he won’t do that because I do think it poisons the well for the opportunity to address a very important domestic issue.”
To which Obama responded: “I have no doubt that there will be some Republicans who are angered or frustrated by any executive action that I may take.
“Those are folks, I just have to say, who are also deeply opposed to immigration reform in any form and blocked the House from being able to pass a bipartisan bill.”
Barack Obama
Republicans could use spending bills to restrict or stop such executive action, by cutting appropriations to those agencies that would be tasked with carrying out Obama’s directives on immigration.
Several Republicans hold the deep-seated view that Obama already has been abusing his constitutional authority.
“Abuse of power” is an impeachable offense under the United States Constitution. So making this assertion would provide Republicans with the weapon they’ve long sought to drive Obama from the White House.
Republicans, in fact, have a tainted history of using impeachment to remove a President who dared to thwart their agenda.
After the assassination of President Abraham Lincoln, in 1865, Republican President Andrew Johnson tried to carry out Lincoln’s humane policies to reunify the nation after the Civil War.
He issued a series of proclamations directing the former Confederate states to hold conventions and elections to re-form their civil governments. In response, Southern states returned many of their old leaders, and passed Black Codes to deprive freed slaves of many civil liberties.
Andrew Johnson
Congress refused to seat legislators from those states and advanced legislation to overrule the Southern actions. Johnson vetoed their bills, and Congress overrode him, setting a pattern until he left the White House in 1869.
As the conflict grew between the executive and legislative branches of government, Congress passed the Tenure of Office Act, restricting Johnson in firing Cabinet officials. Johnson then tried to fire Secretary of War Edwin Stanton–with whom he had an antagonistic relationship.
An enraged Congress impeached Johnson in the House of Representatives. He avoided conviction and removal from office in the Senate–by one vote.
If President Obama tries to end-run Congress on immigration policy, history will likely repeat itself with another round of impeachment hearings.
It was Mitch McConnell who infamously vowed–immediately after Obama’s election in 2008–to make him “a one-term President.”
Moreover, there is actually no reason for Obama to risk his Presidency by granting the privileges of American citizenship to millions of illegal aliens.
Democrats–and especially Obama–had counted on millions of illegal aliens to retain Democratic control of the Senate. But those masses of Hispanic voters never showed up at the polls, thus giving Republicans control of both houses of Congress.
If Obama practiced ruthless “Chicago politics” as charged by his enemies, his response would be: “You [illegal aliens] didn’t live up to your end. Therefore, I have no further responsibility to you.”
Unfortunately for the President, he seems unable to break with his past of backing unpopular causes for little in return.
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