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Posts Tagged ‘EMAILS’

PROTECT YOURSELF AGAINST COMPUTER FRAUD

In History, Law, Law Enforcement, Politics, Social commentary on June 9, 2021 at 12:23 am

In 2020, the Federal Trade Commission received 4.8 million identity theft and fraud complaints. Of these, 1.4 million were for identity theft, up from 651,000 in 2019.

Identity theft complaints accounted for 29 percent of all complaints received by the FTC, up from 20 percent in 2019. About 2.2 million reports were fraud complaints and 1.2 million involved other complaints.

Of the 2.2 million fraud cases, 34 percent reported money was lost. Fraud robbed consumers of more than $3.3 billion, an increase of $1.5 billion from 2019. 

Among the online scams to be alert for:

  • Email phishing scams
  • Credit card scams
  • Bank loan scams
  • Lottery fee scams
  • Online dating scams
  • “Nigerian Prince” scams

Here’s how to protect yourself. 

  • 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. 
  • Unsolicited:  You’re told that you’ve won a lottery you never entered, or have inherited a fortune from someone you never knew existed.
  • 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: Misspellings 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 Offers: 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: 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 contacts you, it does so by letter or sending agents to your address. 
  • “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

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.
  • 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.
  • For additional information on how to protect yourself from cybercrime, check out the FBI’s page at https://www.fbi.gov/investigate/cyber.
  • If it sounds too good to be true, the odds are: It is untrue.

IF IT SOUNDS TOO GOOD TO BE TRUE, IT ISN’T TRUE

In Business, History, Law, Law Enforcement, Social commentary on February 25, 2020 at 12:06 am

In 2018, consumers were victimized in more “emotional romance scams” than any other category of fraud.

“That’s $143 million that consumers reported that they lost in 2018 to romance scams,” said Monica Vaca, of the Federal Trade Commission.

The average loss per victim amounted to $2,600—seven times higher than other frauds. Most of that money was wired or sent with gift cards.

But there are plenty of other online scams to be alert for:

  • Email phishing scams
  • Credit card scams
  • Bank loan scams
  • Lottery fee scams
  • Online dating scams
  • “Nigerian Prince” scams

Here’s how to protect yourself. 

  • 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. 
  • Unsolicited:  You’re told that you’ve won a lottery you never entered, or have inherited a fortune from someone you never knew existed.
  • 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 Offers: 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: 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 contacts you, it does so by letter or sending agents to your address. 
  • “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

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.
  • 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.
  • For additional information on how to protect yourself from cybercrime, check out the FBI’s page at https://www.fbi.gov/investigate/cyber.
  • If it sounds too good to be true, the odds are: It is untrue.

DANGER! ONLINE SCAMMERS AHEAD!

In Business, History, Law, Law Enforcement, Self-Help, Social commentary on March 21, 2019 at 12:08 am

According to the FBI, Internet scams cost victims more than $1.4 billion in 2017. Among the most popular types of fraud:

  • Email phishing scams
  • Credit card scams
  • Bank loan scams
  • Lottery fee scams
  • Online dating scams
  • “Nigerian Prince” scams

But you can protect yourself. Here’s how to spot the warning signs of fraud.

  • 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. 
  • Unsolicited:  You’re told that you’ve won a lottery you never entered, or have inherited a fortune from someone you never knew existed.
  • 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 Offers: 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

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.
  • 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.
  • For additional information on how to protect yourself from cybercrime, check out the FBI’s page at https://www.fbi.gov/investigate/cyber.
  • If it sounds too good to be true, the odds are: It is untrue.

ALERT! SCAMMERS AHEAD!

In Business, History, Law Enforcement, Self-Help, Social commentary on April 27, 2018 at 12:04 am

Receiving unsolicited, get-rich-quick emails has become a regular headache for millions of Internet users.

All too often, the result is fraud for their recipients. In 2016, losses from get-rich Ponzi schemes totaled $123 million.

Here’s how to spot the warning signs of fraud:

  • 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. 
  • Unsolicited:  You’re told that you’ve won a lottery you never entered, or have inherited a fortune from someone you never knew existed.
  • 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 Offers: 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.
  • 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.
  • For additional information on how to protect yourself from cybercrime, check out the FBI’s page at http://www.fbi.gov/about-us/investigate/cyber.
  • If it sounds too good to be true, the odds are: It is untrue.

TOO CLEVER FOR THEIR–AND OUR–OWN GOOD

In Bureaucracy, History, Politics, Social commentary on November 3, 2016 at 12:02 am

The signs were there long before Wikileaks confirmed them.

Even the most casual observer of politics could see the aren’t-we-cute? relationship between Hillary Clinton and Debbie Wasserman-Schultz.

Clinton, of course, was the former First Lady, U.S. Senator from New York and Secretary of State under President Barack Obama. She was also, by popular consensus, the candidate to beat for the 2016 Democratic Presidential nomination.

And Wasserman-Schultz was the chair of the Democratic National Committee (DNC).

Nobody expected Clinton to act impartially. But that was the expectation demanded of Wasserman-Schultz.

There were, after all, other Democrats besides Clinton seeking their party’s nomination–the most prominent of these being Bernie Sanders, the U.S. Senator from Vermont.

Related image

Bernie Sanders

Yet Wasserman-Schultz made no effort to hide her clear bias on behalf of Clinton.

On December 18, 2015, writing in The Huffington Post, political blogger Miles Mogulescu sounded a warning:

“It’s increasingly clear that Debbie Wasserman Schultz, Chair of the Democratic National Committee, isn’t acting as a neutral party Chair, trying to insure a fair and democratic primary and building the Democratic Party in the states.

“Rather, she’s acting as a shill for Hillary Clinton, doing everything in her power to ensure that no one will effectively challenge Hillary’s coronation as the nominee.”

Related image

Hillary Clinton

Two days later, on December 20, 2015, the website, U.S. Uncut published an article: 

5 TIMES DEBBIE WASSERMAN SCHULTZ VIOLATED DNC RULES AND STACKED THE DECK IN FAVOR OF CLINTON.

The article bluntly stated that Wasserman-Schultz “has made a name for herself among many Democratic voters as a shill for the Clinton machine.” And then it offered five specific examples to back up this assertion:

  1. Scheduling primary debates to garner as few viewers as possible–and thus “circle the wagons” around the front-running Clinton.
  2. Locating grassroots Clinton field offices at DNC offices.
  3. Shutting off Bernie Sanders’ access to the DNC’s voter database, thus crippling his ground strategy.
  4. Raising money for the Clinton campaign via a top DNC official.
  5. Lining up Superdelegates for Clinton before the first primary debate.

So no one should have been surprised when the full dimensions of the truth were finally revealed on July 22, 2016.

That was when Wikileaks released 19,252 emails and 8,034 attachments hacked from computers of the highest-ranking officials of the DNC.

The emails had been exchanged from January 2015 through May 2016. And they clearly revealed a bias for Hillary Clinton and against Sanders.

One email revealed that Brad Marshall, the chief financial officer of the DNC, suggested that Sanders, who is Jewish, could be portrayed as an atheist.

Sanders’ supporters had long charged that the DNC and Wasserman-Schultz had undercut his campaign. Now they had the evidence in black-and-white.

The leak badly embarrassed Clinton. About to receive the Democratic nomination for President, she found herself charged with undermining the electoral process.

Wasserman-Schultz proved the first casualty of the leak, resigning as chair of the DNC and saying she would not open the Democratic convention as previously scheduled.

Related image

Debbie Wasserman-Schultz

Clinton’s campaign manager, Bobby Mook, put his best spin on the scandal: He blamed the Russians for the leak. Their alleged motive–to help Republican Presidential nominee Donald Trump.

Cyber-security experts believed the hackers originated from Russia–and that Russian President Vladimir Putin may have authorized it.

Perhaps the worst mistake of the DNC was not putting so many embarrassing emails into computers.

Its worst was favoring Hillary Clinton above all other Presidential candidates.

On August 31, an ABC News/Washington Post poll found that Donald Trump and Hillary Clinton are the two most unpopular presidential candidates in more than 30 years.

A July 6 Fortune story sheds light on “Why Trump and Clinton Are America’s Most Disliked Presidential Candidates.”

Trump: “After making comments insulting Muslims, Latinos and women, Trump has been unable to fend off charges of racisms and sexism.”

Clinton: “Clinton is dogged by voter mistrust stoked by her handling of classified State Department information on a private email server, the Benghazi hearings, and the long-ago Whitewater scandal.”

And applying to both candidates: “People who exhibit a few instances of socially unacceptable behavior are quickly labeled as deviant and have to commit disproportionately many more acceptable behaviors to restore their reputation.”

Since October, Trump has been dogged by his admission of sexually predatory behavior toward women: “You know I’m automatically attracted to beautiful–I just start kissing them. It’s like a magnet. Just kiss. I don’t even wait. And when you’re a star they let you do it. You can do anything.  Grab them by the pussy. You can do anything.”

At least a dozen women have since charged him with making unwanted sexual advances.

Such revelations would normally prove the kiss of death for any Presidential candidate.

Had the Democrats chosen a genuinely popular candidate–or at least one who was not so widely hated as Clinton–the electoral map would now look very different.

But as matters now stand, Trump and Clinton seem locked dead-even in the polls.

In 2008, NBC anchor Tom Brokaw compared the Presidential campaign rallies of then-U.S. Senator Barack Obama to popular Hannah Montana concerts.

In 2016, not even the most partisan Democrats would make such a remark about Clinton.

PROTECT YOURSELF AGAINST EMAIL SCAMMERS

In Business, Law Enforcement, Self-Help, Social commentary on August 26, 2016 at 12:01 am

Receiving unsolicited, get-rich-quick emails has become a regular headache for millions of Internet users.

All too often, the result is fraud for their recipients. In 2013, losses from Nigerian scams alone totaled $12.7 billion.

Here’s how to spot the warning signs of fraud:

  • 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. 
  • Unsolicited:  You’re told that you’ve won a lottery you never entered, or have inherited a fortune from someone you never knew existed.
  • Appeals to religion:  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: 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: 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 Offers: 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.
  • 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.
  • For additional information on how to protect yourself from cybercrime, check out the FBI’s page at http://www.fbi.gov/about-us/investigate/cyber.
  • If it sounds too good to be true, the odds are: It is untrue.
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