Archives for June 2012

Beware of this Domain Appraisal Scam

by: Brian Holland

I recently received several e mails from domain sellers who had fallen victim to a domain appraisal scam. The scam starts with a mail the seller receives concerning a domain they own and the scammer showing interest in buying it.

The scammers find information about their targets on Ebay and on Whois.

In the first mail they tell you that they are a new player wanting to invest money in the domain market as a side business and inquire how much you want for the domain.

Next step is the mail in which they accept your asking price for the domain. The scammers tell you that they want you to get the domain appraised as they don’t want to make a bad investment. The scammers want the appraisal from a certain manual appraisal website which they believe to be a good one, ofcourse this appraisal website is part of the scam. This appraisal website gives a highly inflated appraisal value and asks a high fee for it ( up to over a hundred dollars) as they know you need the appraisal to sell the domain.

The end of this story is that once you have mailed your appraisal you never hear from your buyers again. leaving you one hundred dollars poorer and an absolutely useless appraisal richer. This is a very cunningly operated scam and to show you how such a scam mail looks i give you a real example of such an email below.

Email 1:

Hello,

We ‘ve found your domain name listed for sale..

If you are still interested in selling please send your quote and I will

consider it with my partners.

Main direction of our business is software development and technical

support.

Domain names is not our business but a new way to earn on reselling. We are

going to buy domains to resell them at higher prices since we have a large

database of clients interested in good domains.

Looking forward to do business with you.

Regards,
Email 2:

You want 13,500 USD. Ok.

Do you sell domain with a web site or just the name?

If it’s just the name it’s ok. A web site is not necessary.

Have you had your domains appraised already? Can you show me your valuation certificates? As far as I know it’s a common practice to show appraisal of domain name (even without traffic and web site) before doing business.

Without an appraisal I risk to overpay. In other words I won’t be able to make a profit on reselling this name. It’s very important for you and me to know the current market value of your domains.

Of course, we must be sure that you are engaging an appraisal company with REAL manual service. I heard many appraisal companies often made inaccurate auto-generated appraisals. I will only accept appraisals from independent sources I trust. To avoid mistakes I asked domain experts about reputable appraisal companies in a forum. (they now give you a link of a forum you have to check out)

Just check this posting.

If the appraisal comes higher you can adjust your asking price accordingly. I also hope you can give me 10 discount of the appraised value.

After I get an appraisal from you we’ll continue our negotiations.

How do you prefer to get paid: Escrow.com, PayPal.com check or wire?

Hope we can come to an agreement fast.

Looking forward to your reply.

 

So if you ever get an email like this, you know what to do. Scrap it. Just remember this wise saying that if something sounds too good to be true it probably is.

About The Author

Brian Holland works as a moderator for GoogleGoogle.net and gets first hand information on new trends and scams on the web.

http://googlegoogle.net

Internet Marketing Reality Check

by: Jeff Palmer

There are thousands of web sites, books, CD-ROM’s, cassette tapes and various other forms of communication devoted to the topic of Internet marketing. The majority of these sites profess to offer “”secret strategies”” and “”killer tactics”” which promise to increase your chances of having success on the Internet. Of course you must fork over your hard earned cash for these wonderful pearls of wisdom. (Many of which turn out to be nothing more than pyramid schemes and other scams)

With all of these so called experts lining up to take your money and fill your head with dreams of making easy millions you may find it difficult to filter out the facts from the fiction. I will take the unenviable role of fact giving, bubble burster and tell you flat out, “”There are no secrets to successful Internet marketing!””

Let me repeat myself, I said, “”There are no secrets to successfully Internet marketing””

Successful marketing, whether its online or off, requires careful planning and a lot of hard work. And no amount of marketing will ever meet with success if the product being marketed is a bad one. This is especially true of web sites, which carry the remarkable distinction of the almighty back button. I know this from first hand experience with companies that have spent ridiculous amounts of money to market web sites which were basically unusable.

Now that your dreams of sailing around the ocean sipping margaritas, while an Internet cash machine deposits six figure sums into your bank are thoroughly dashed, lets explore some of the common issues associated with true Internet marketing success as well as a few of the many misconceptions.

The same principles that govern off-line marketing practices apply to online marketing. Research, Planning, and Analysis.

Research:

Determine what makes your product or service stand out from the crowd. What do you offer that the competition doesn’t? How do your prices compare to others in the market? What features of your product are one of a kind? All of this information will help in designing your web site to reflect a unique selling proposal. A unique selling proposal answers the customer’s question, “”What’s in it for me?”” Gather all the information possible that answers this question and use it in planning your web site.

Planning:

Develop a marketing strategy for your web site.

Are you selling merchandise online? Are you advertising a service? Who are your customers? You must determine exactly what it is that you want your website to accomplish. Example: If your web site is focused on making it easier for potential customers to learn about your services, focus your attention on offering as much information about your services as possible. Price comparisons of your competition, directions to your business location, contact information, testimonials, etc.,are a good place to start. Plan your web site around a central goal.

Analysis:

So your web site is up and running, you have developed a marketing strategy and people are interested in your product. Now its time to figure our what is working and what isn’t. This aspect of marketing your web site can be one of the most difficult to understand. This goes well beyond simply counting the number of visitors to your site. It requires analyzing the habits of those who travel to your site. Determining what features of your site compel visitors to purchase your products, what features turn visitors away. It is important to analyze every single feature of your web site, from the sales copy to the navigation. You must understand how every feature of your web site supports or detracts from your marketing success.

Hopefully by now you realize that Internet marketing requires more than just an out-of-the-box solution. There is no magical formula to marketing online, and those who say otherwise should be scrutinized. The incredible variety of businesses online require individual marketing strategies and plans. A real estate web site should not be marketed the same way as one selling comic books. Any salesman would have a difficult time selling denture glue to a teen-ager, it just doesn’t fit. And neither do one size fits all marketing plans. Target markets have to be considered. Planning, strategy and analysis must be carried out in order to achieve any kind of lasting success.

Make your web site usable and you will gain success!

Now, if you would like to send me a check for $30 for this “”killer strategy”” please feel free to do so. Otherwise, take this bit of information and file it in the “”critically important”” category. By usable, I’m talking about such web site considerations as working links, fast loading pages, limited use of images,animations and other “”fluff”” that will make most users hit the back button faster than you can blink a virtual eye.

Fact: Most Internet users will hit their back buttons if a web page doesn’t load in 20 seconds or less. Increasing the speed at which your web site loads greatly increases the likelihood that it will ever be seen.

Submit your site to 100,000 search engines for just $29.95 !!! Beware of offers like this, the truth is there are only a handful of search engines that most people use to find things online. Concentrating your marketing efforts on these few search engines is much more effective than having your site listed in a million places that nobody will ever see Bear in mind that most of these multiple search engine submittal sites are profit driven, and the only one making a profit is them.

Fact: Google and Yahoo are currently the major players in the search engine game comprising 54% and 41% of all Internet searches respectively.(Source: Comscore Media Metrix 05/04) There are several techniques to achieving higher rankings with these two search engines none of which are secrets. Read my article on search engine optimization for more information about this important topic.

Number 1 Ranking in Google! Guaranteed!

I have seen many web sites offering search engine ranking services, making claims like the one above, The truth of the matter is that it is impossible to guarantee a number one ranking with Google’s free search engine submission. As I have stated previously there are a number of strategies and steps that can be taken to optimize your web site for search engine placement and achieve the highest rankings possible. Guaranteed results are a myth, it is possible to have the highest ranking in Google for search terms that aren’t commonly used, but then, what’s the point?

Fact: It is true that you can purchase advertising space using the Google service called AdWords. Advertisements appear in the right hand column of Google search pages.

Successful marketing of your business online requires time, effort and patience. There are no easy solutions. But, a fair amount of devotion and common sense can yield truly impressive results.

About The Author

Jeff Palmer is an internet marketing consultant and web designer with over 10 years of experience and is the process of writing what promises to be that definitive guide to online marketing. If you would like information about this upcoming book, including a sneek peek at finished chapters contact the author directly at greatempty@yahoo.com.


Employee Pricing from Auto Manufactures; Scam or Sweet Deal?

by: Peter M. Humleker

With all the employee pricing being hyped and advertised on the media I thought I would write a short article on the subject. I have also gotten a lot of questions in emails about the subject.

Here’s the deal: Employee pricing is the lowest price you will ever be able to purchase a vehicle for period.

Employee pricing is usually several hundred dollars below invoice.

So how is the auto dealer making any money selling at employee pricing?

It’s simple… They are reimbursed from the auto manufacture. For example General Motors gives $1500 to the dealer for every car sold at employee pricing.

When you combine employee pricing with the rebates your getting the very best deal possible.

Obviously the dealer is still going to try and up his profit margin in several other ways.

If you are trying to trade in a vehicle then the dealership is going to try and offer you even less than he normally would.

Because of employee pricing everyone and their brother is buying a new car right now and the dealerships are stuffed with used car inventory. Therefore unless they can “steal” your trade they are really not that interested in taking in another used car in their inventory.

If you want to buy a car at employee pricing then this would be the best time to try and sell your trade in vehicle yourself and save yourself the headache of muddying the water with your employee price purchase.

The other question I get asked a lot lately is, “How do I know I am getting the actual employee pricing?”

They are doing national advertising for employee pricing and it is coming from the auto manufacture. When the actual auto manufactures come out with an incentive program the dealers must adhere to it!

If they tried to be dishonest and sell you the car you want above the employee pricing they would be in extreme hot water with the manufacture, could lose their franchise, and get sued.

Therefore you don’t have to worry about not getting the actual employee price if it is advertised. The only time the numbers can get skewed is when you throw in your trade vehicle which you owe money on. Again, this is why I encourage you to sell your vehicle yourself.

Last but not least, just because there are great deals at employee pricing does not mean you should go out and buy a new car. If you can’t afford the car or the payments then it does not matter how good a deal you got.

You’re still putting yourself in financial hardship. Think before you buy!

About The Author

Peter Humleker is a former General Manager of an Auto Dealership and Consumer Advocate. He is the author of Auto Dealer Executive Breaks “Code of Silence!” www.CarBuyingScams.com

 

The Link Swapping Trap

by: Stephen Bucaro

If you want to make money on the web, you must get traffic to your website. If you want to get traffic to your website, you must have a high rank in google’s search results. Google ranks websites based upon the number of links that point to the site.

Many novice webmasters believe they can trick Google into giving their website a high rank by swapping links with other webmasters. One reason they believe this, is because “”wanna-be”” web marketing “”experts”” keep spouting that trash.

It’s only partially true that Google ranks websites based upon the number of links that point to the site. Google uses a highly sophisticated page ranking formula that keeps changing and evolving all the time. Google caught onto the link swapping trick years ago.

Novice webmasters put all their link swaps on one gigantically long page referred to as a “”link farm””. When Google’s robot finds a link farm, their ranking formula penalizes the websites listed in the link farm. If Google finds the same site listed in many link farms, they remove that site from their search engine.

Just about every week I get an email message saying “”I placed a link to your website on my website. Please put a link to my website on your website. Here’s where you can find your link on my website”” … followed by a link to a single webpage containing hundreds of links … a link farm.

I usually reply to such a message with a request to remove the link to my website from their webpage. The novice webmaster often responds with a message of pure astonishment. Link swap requests have become so common lately that I have been responding by clicking on the “”Delete”” button.

Every webmaster that wants to swap links has a website with zero traffic. Even if Google didn’t penalize websites for being listed in a link farm, why would I want to send traffic away from my website to a website that can’t return any traffic?

Not only are these novice webmasters not experienced in the way of the web, they seem inexperienced in the way of the world. The first rule of the universe is “”you never get a free lunch””. If you want your website to rank high in Google, you have to pay them. If you can’t afford to pay them, you have to do the work.

It’s hard work to get traffic to your website. There is only one method I know that works: put valuable, original content on your website. Other websites, blogs, and forums will post links to the valuable content on your website, not with a link swap, but as a resource to their audience.

When someone places a legitimate link to valuable content on their webpage, the webpage has low link density. Google’s page ranking formula gives the page a high score. If a link to your webpage is found on a high scoring webpage, that raises the rank of your webpage.

On the other hand, a page with a high link density, with hundreds of links and little other content, gets a negative score from Google. If a link to your webpage is found on a webpage with a negative score, that lowers the rank of your webpage.

Don’t try to scam Google by swapping links, and don’t cooperate with foolish webmasters who think there is a “”free lunch””. If you want to get a higher ranking in Google, resulting in more traffic to your website, there is only one way – good old fashion hard work.

Permission is granted for the below article to forward, reprint, distribute, use for ezine, newsletter, website, offer as free bonus or part of a product for sale as long as no changes are made and the byline, copyright, and the resource box below is included.

About The Author

Copyright(C)Bucaro TecHelp. To learn how to maintain your computer and use it more effectively to design a Web site and make money on the Web visit bucarotechelp.com. To subscribe to Bucaro TecHelp Newsletter Send a blank email to subscribe@bucarotechelp.com


Avoiding eBay Scams

by: Terry Gibbs

Read through this checklist and save yourself time and aggravation. A bit of due diligence will help you avoid eBay scams.

Only buy items with photos. The photograph is a good way to insure the seller actually has the item. No photo is a good indicator of a scam.

Check the photo against catalog photos. Many scammers use photos taken from other auctions or from online catalogs. Look for the background and lighting. Professionally taken photos have better lighting, and clearer backgrounds.

Check the seller’s user history. This is on the feedback page and will say something like this: “”Member since: Saturday, Aug 13, 2001 Location: United States”” New sellers or sellers who have been members for a long time, but not as active sellers are more likely to be committing auction scams.

Check the sellers eBay feedback. If the seller has few feedbacks or recent feedback as a buyer, but not as a seller this may be a clue. It’s easy to get feedback by buying cheap items. Check the items the seller has been buying and selling. There are links on the feedback page to the auction the feedback relates to on the right side of the page.

Do an eBay search for auctions by the seller including completed auctions. Check to see if he has sold the same thing before. If he has, ask the earlier buyer if they got theirs yet. Here’s a link to the search form.

Make sure the address you send payment to is the same as the seller’s registered eBay address. If it’s not the same address, it may be a tip off to a scam. Here’s the link to get the seller’s registered address.

If you are buying something expensive call the seller. You can get the telephone number with the link above. You have to bid on the item in order to get the contact information. This is a great way to avoid eBay scams. If you buy something and don’t feel comfortable, call the seller.

Ask for advice from knowledgeable sources. If you are buying antiques or collectibles, you should get an idea of the value and rarity before buying. Since most collectibles you see on eBay were mass produced, you will get the chance to buy others.

Educate yourself. Learn about the items you are interested in. Go to antiques stores and shows to see what is available. When you factor in shipping costs and uncertainty about the condition many items are cheaper to buy locally. You will make new friends who share your interests, and will not fall prey to eBay scams.

Have a friend go over and look at the item. I bought some trains last year out of Northern California. (I live in Arizona.) I had one of my friends drive over and look at them. He paid the seller and then mailed me the trains. I sent my friend a check to cover the purchase price and then gave him something for his trouble. This is a bit more work, but much safer than sending large sums of money to a stranger.

Search for information online. Use Google.com to find out more about the specific item you are interested in. You might discover it cheaper at a store, or find out the item is really common and be able to find one later from a less risky source.

Ask the seller questions. This will give you some information about the character of the seller. If you are unsure about the condition, ask for additional photos. The best way to avoid an eBay scam is by getting to know the seller.

Check the payment options. If the seller only takes money orders or wire transfers it might be an eBay scam. If you can pay with a credit card, this will give you additional protection. Almost any- I wanted to all, but am sure there are exceptions- credit card transaction can be reversed by calling the issuing bank. Some sellers only take money orders to avoid bounced checks. If a seller refuses to take anything but a wire transfer run.

Check the description and the tone of the ad. Does the person sound eager to sell? Does the person sound like they know what they are selling?

If the item is valuable because of its color, ask the seller for pictures with a common household item for contrast. My dad bought a rare maroon train car that was actually light red. The seller’s poor lighting caused the car to appear much darker in the photos. If my dad had asked for a picture of the car next to a can of Campbell’s soup he would have seen it was the picture making the car darker because the can would be darker.

Ask the seller about his return policy. Many sellers sell as is with no returns, some sell with returns only if the item is not described correctly. Saying the item is sold with no returns in the auction does not allow the seller to misrepresent the item, but will make it harder for you to press a claim.

Ask yourself “”If I saw the item at a show, would I buy it?”” Many times people bid on eBay auctions for items they would otherwise ignore . Some reasons for this are greed, ignorance, and impatience. Greed because “”It’s a low price, and I can always resell it at a profit.”” Ignorance is when you buy items without knowing enough about them. Impatience causes buyers to buy when they are ignorant.

Remember the seller is selling. Descriptive words like rare, uncommon, and unique are subjective and quite over used. Some items are hard to find, but most eBay auctions are for common or relatively common items. Unique is probably the most over used word in describing collectibles. Unique means there is only one. These descriptions are sales techniques to get higher bids by making you think the item is harder to find than it is. Ignore them.

Know in advance what you are willing to lose. I’ll buy any train auction for under a hundred dollars without checking the seller out because I won’t lose much sleep over a hundred dollars. You need to know your attitude and personality to answer this question.

Know when to cut your losses. If you get a eBay scam over a $50 auction, it’s not worth hundreds of hours of lost sleep. I know the scammers count on this attitude to allow them to continue ripping people off, but it’s really not worth the time to pursue a small loss. File a complaint with eBay, leave a negative feedback, then move on.

Don’t leave feedback until the item is received and you are satisfied with it. Feedback is your leverage to get a return if the item is not as described.

ALWAYS leave negative feedback when the seller is deceptive or unwilling to correct his mistakes. This is your way to warn other bidders. If you had been warned, you could have saved your money and time. The feedback system won’t work unless you are willing to leave negatives for bad transactions.

Use separate eBay accounts for buying and selling. This way your selling account won’t be damaged by retaliatory feedback when you leave negatives for others. You have to use accurate contact information when creating each account. EBay will remove feedback from accounts without accurate contact information.

Don’t fall in love with your eBay account. I use a buying account until it gets 30-40 feedbacks and then start a new one. This way no one knows what I am buying. Also, because I know I will be using a new account in a few months, I can be honest when leaving feedback.

If you have been ripped off do not threaten the seller. Ebay calls this “”user to user threats”” and will suspend you immediately. Some eBay scammers exploit this. They will provoke you into threatening them, then forward the e-mail to eBay and your account will be cancelled. If you have filed a fraud compliant with eBay it will be closed because “”eBay does not investigate complaints from non-members.””

If you feel taken by a seller have a friend read your e-mails before you send them. Have your friend make sure they are polite and do not include accusations. Be polite and explain why you are unhappy. Name calling will not help. People make mistakes when listing items, and many sellers will make them right. When you open with an attack, you put the seller in a different frame of mind. For the same reason, don’t threaten the seller with negative feedback in the first email.

Don’t try to renegotiate the price after you receive your purchase. Explain clearly and politely why you are unhappy and tell the seller you would like to return it. I refund the purchase price and shipping both ways when I make a mistake. Sometimes I send the buyer the shipping money instead as a make good. I never do this when the buyer opens with a demand for a lower price.

In closing, remember, most items you see on eBay are common. You will see them again and again. Don’t jump to purchase something, but rather take your time and wait for the right seller and the right item.

EBay is a great forum for buying interesting items for your collection, and you can get some great deals. In the few instances I have felt ripped off, most of the time it was my greed that caused the problems. If I would have asked the seller some questions and gotten more information before bidding, I would have saved myself some grief. While there are eBay scams, a bit of prior prevention will protect you.

Have fun buying on eBay, but remember, a bit of caution will do more to protect you than anything else.

About The Author

Terry Gibbs writes about antiques, collectibles and eBay in his monthly Collector Strategies Newsletter. You can sign up for his free newsletter and get additional information about his books on collecting and eBay at his website: http://www.iwantcollectibles.com


A Phisher Is Trying To Steal Your Identity!

by: Lisa Smith

Sooner or later everyone with an email account will receive a phishing attempt from some internet scammer. What is phishing? How can you protect yourself? These are some of the questions this identity theft article will provide, along with some free resources and practical advice on how to protect your online identity.

The Anti-Phishing Working Group estimates that 75 million to 150 million phishing emails are sent every day on the internet. Phishing (pronounced fishing), is online identity theft that uses spoof emails, fraudulent websites and crimeware to trick unsuspecting internet users into providing financial data, credit card numbers, social security numbers, account logins and passwords, etc.

A spoofed email looks like it is from a legitimate company, usually banks, credit card companies, paypal, ebay, etc. These fraudulent emails look like they are from the “real” company, and generally try to get you to log into your account through the links in the email. The spoof email may state that there is a problem with your account and if you do not log in and update your information your account may be suspended, restricted, closed, etc. Generally these emails try to convey a sense of urgency; if you don’t correct this problem your account will be suspended.

Trojans are increasingly being used as a phishing technique according to Sophos, a security firm. The Brizilian police recently arrested a phishing gang of 18 people who stole $37M from online banking accounts. This phishing gang would send out emails that included Trojans. Once a Trojan infects your computer, all internet activity can be monitored and transferred to the phisher. This is a serious threat as you probably won’t know that you are infected with a Trojan.

According to David Jevans, Chairman of APWG, “Attacks can, and are, coming in a variety of other flavors. Instant Messaging, exploited websites, P2P networks, and search engines are all being used to download and run key logging malcode and/or be directed to websites which may contain malcode or be fraudulent. Attackers are also not just interested in username and password access to bank accounts. Social security numbers, credit cards and other identity information are also being stolen.”

Protecting yourself against phishing scams.

Do not give out personal or financial information through an email request.

Always log on to your sensitive accounts by opening a new browser and typing the actual URL directly into the address bar. For example, if you receive a suspected phishing email from ebay, open a new browser and type www.ebay.com in the browser bar.

Do not click on any link in a suspected phishing email.

Only use a secure website to submit sensitive data. A secure sites’ address will begin with “https://” instead of “http://”

Check the activity of your online accounts regularly.

Make sure your browser is up to date and all security patches are installed.

Report phishing and spoof email to: reportphishing@antiphishing.com, spam@uce.gov, and forward the email to the company that is being spoofed.

Keep your pc protected with updated anti-virus software, anti-spyware software, and a firewall.

You may also want to install anti-phishing software.

Earthlink ScamBlocker is a free browser toolbar that alerts you to known phishing sites. It’s free and can be downloaded at www.earthlink.net/earthlinktoolbar.

Webroot has a beta version of PhishNet which you can download at www.webroot.com/products/phishnet/

PC Tools Spyware Doctor offers protection against known phishing sites, spyware and blocks popups.

With the consequences being identity theft, it is imperative that you learn to protect your pc and your identity by exercising caution and installing the proper tools. Hopefully, this identity theft article has given you the information you need to avoid being the next phishing victim. Remember, legitimate companies don’t ask for personal or financial information in an email – so don’t give it to them!

About The Author

Lisa Smith is the webmaster of 1stSpywareRemoval.com. This website offers information on spyware, adware, internet safety, as well as indepth reviews and news. http://www.1stspywareremoval.com/Identity_Theft_Article.html.

5 Killer Steps to avoid Credit Card SCAMS!!!!!

by: Tom Levine

In August, 2004, the Federal Trade Commission issued their findings of a recent study, which showed that nearly 25 million adults were victims of fraud.
Now, most importantly, If you are a victim of fraud, please do not feel like you did anything wrong. It happens to all of us at one point or another, as the FTC’s study clearly shows. Everyone likes a magic trick, and none of us are fully capable of noticing the con-artists’ slight of hand. So, if you’re a victim, take a deep breath. You’re normal.
But, there’s an old saying that goes something like this: Fool me once, shame on you…Fool me twice, shame on me!”
Here are 5 KILLER STEPS to protect yourself from Credit Card SCAMS!

NATIONAL NO-CALL REGISTRY.
TELEPHONE SOLICITATION
1-900 NUMBERS.
ANNUAL FEES, INTEREST RATES, ETC.
THE UNITED STATES FEDERAL TRADE COMMISSION

1. NATIONAL NO-CALL REGISTRY:
There’s nothing more annoying then those credit card offers that you get over the phone. I don’t know about you, but the last thing I want to be doing, while having dinner with my 1 year old daughter and my beautiful wife, is to be annoyed by phone calls from solicitors that just want to make money off me. Legitimate or not, these calls are a nuisance. If you’re like me, and you would rather live without dealing with these calls, then go do this:

The FTC has created the National Do-NOT-CALL registry. Go find out more information about it. The website is: http://www.donotcall.gov
If it makes sense, complete the online form.
Take a deep breath, and relax. Within 30 days, the list will start working for you. I can personally attest that, while the solicitations have not stopped completely, they have significantly, significantly decreased.

Join the FTC No-CALL-Registry, and enjoy a reduction in telephone solicitation phone calls.
2. TELEPHONE SOLICITATION:
Believe it or not, the vast majority of lenders out there are legitimate. Also, believe it or not, a lot of these lenders utilize telemarketing as a method of reaching out to potential customers.

But beware of a wolf in sheep’s clothing. Legitimate Lenders never ask for a processing fee in order to complete your application (this does not include appraisals during a real estate transaction in Escrow…We are discussing credit cards here).
Keep your personal information to yourself! Don’t give out bank information, credit card numbers, social security numbers, etc., to someone you don’t know, on a telephone call. Use your common sense.
If you don’t have the offer in hand, or confirmed in writing, then don’t pay. This is fraud. Who is this person on the phone anyway? Get their phone number, their address, their federal tax ID number, and then tell them you’ll call back. If they’re legitimate, they’ll give it to you. If you question them, then I say trust your instincts. You’re probably right on target.

Who is this on the phone? Don’t trust people you haven’t had a chance to get to know. Don’t let one enticing offer on a phone call, be your guide…
3. 1-900 NUMBERS:
A 1-900 number is, of course, a phone number that charges the caller per minute for making the call. Whether it’s a 1-900 number, or a future manifestation of the same type of telephone service, be wary of doing business this way.

The most common Credit Card SCAM, in all of its different forms, is called an “ADVANCE FEE LOAD SCAM”. Typically, you will find these in the classified section of your local newspapers and trade magazines, and unfortunately, you’ll also see them floating around the internet.

In a nutshell, the perpetrator will guarantee you a loan, but you have to pay them an upfront fee first. The fee can range from $100 to several hundred dollars. The charges can be extracted using telephone services like 1-900 numbers. Beware of courier services, and transactions that avoid the US Postal service, often conducted so as to avoid detection. The scam is that once the fake company has your money, they disappear from the planet, leaving you a victim of their con. You are out money, and no credit card.

Now lets’ not confuse Advance Fee Load Scam artists with legitimate lenders and institutions. I can attest that there are real companies out there, trying to help you to get the credit, loans, and consumer debt services that you need. I believe in many of these services, and I believe in the convenience and power of the internet. However, use your common sense in all your business transactions in life, and that includes credit. Never give someone money without getting anything back in return. Never trust someone that you don’t know. Never get enticed into a deal that’s too good to be true.

Use your common sense, and don’t fall prey to the con artists slight of hand, such as the Advance Fee Load Scam…

4. ANNUAL FEES, INTEREST RATES, ETC.:
Credit Card Scams come in all different shapes and sizes. Many of them are, arguably, not scams at all, but let’s just call them credit card offers involving consumer unfriendly terms.

Read the fine-line. Every Credit Card Offer must provide the Consumer with written documentation on the terms of the offer.
Check the Annual Fee, the Interest Rates, the Cash Advance Fees, the Late Fees, and all other terms of the offer.
c) Make sure you know what you are getting. Some offers are for secured cards, some are for unsecured cards, and some offers are for shopping portals online and offline (Like a department store card). So, while none of these are scams, by definition, it is important that you fully understand the terms of the credit card offer that you are agreeing to.

Be a responsible consumer, and read the terms and conditions of your credit card offer…

5. THE UNITED STATES FEDERAL TRADE COMMISSION::
The best place to go for direct consumer information, protection, and remedy, is the United States Federal Trade Commission…

The FTC website is: http://www.ftc.gov
The FTC can provide you with TONS of free information about Credit Cards, and other consumer related concerns. They can help you learn more about what to avoid, how to be a smarter consumer, and what to do if you believe that you are a victim of fraud, and what your remedies may be.

The FTC is there to help…

SUMMARY:
Use the No-Call Registry to cut down telephone solicitations in your home and places of business. While many legitimate lenders utilize telemarketing, be careful. Don’t give out personal information to people you don’t know, don’t pay up-front processing fees over the phone, and get everything in writing. Consider yourself an advised consumer on “Advanced Fee Load” Scams, and look out for the signs, when these scams regrettably make their way to you. Read the terms of the offers that you are considering, and utilize the FTC website for trusted information, resources, and all related materials on consumer credit card issues.
We’ve enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.
Publisher’s Directions: This article may be freely distributed so long as the copyright, author’s information, disclaimer, and an active link (where possible) are included.
Disclaimer: Statements and opinions expressed in the articles, reviews and other materials herein are those of the authors. While every care has been taken in the compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.

 

About The Author
Tom Levine provides a solid, common sense approach to solving problems and answering questions relating to consumer loan products. His website seeks to provide free online resources for the consumer, including rate-watch, tips and articles, financial communication, news, and links to products and services. You can check out Tom’s website here: http://loan-resources.org, or you can email Tom at info@loan-resources.org.

Copyright 2004, by Loan-Resources.Org

FRAUD & CORRUPTION IN NEW YORK COURTS ARE NOW ON THE RADAR OF THE WHITE HOUSE AND THE DEPARTMENT OF JUSTICE

Scams Inc has recently learned that thanks to the efforts of many of the persistent Reports and Exposes of the despicable acts of Bribery, Tampering, Collusion, Back Room Fixes and deceit, dishonesty, immoral and wicked acts by Corrupt Judges, Corrupt Lawyers, Corrupt Court-Referees; the DOJ and the White House have begun to really open the New York Can of Worms ongoing for years in the Courthouses.

Bribery, fixes, cheating and collusion in the NY Courthouses have been rampant since Boss Tweed, and continues today, unabated.
Many qualified News Organizations both Print and Internet have qualified and Reported the dastardly acts of many NY Judges who have been bribed and otherwise tampered with by corrupt lawyers.

Scams Inc and Scamraiders have provided Washington with car-loads of documentary proof of corruption, ex-parte thefts, bribery, manipulation of the laws, preclusion of material evidence and worse to rob litigants and favor the fixers.

Scams inc has proved that the Commission on Judicial Conduct is for the most part a charade and a frasical Agency going afier “small-fry” and ignoring the proofs of major corruption ongoing in the Supreme Courthouse in NYC, Brooklyn, Westchester and bryound in the Unified Court System.

Now there is evidence that the DOJ and the White House are taking seriously the despicable conduct ongoing in the NY Courts. IT PROVES THAT PERSISTENCE PAYS OFF.

We will post along with this Report a current Article from Expose Corrupt Courts and related comments regarding the current interest by Washington in the misuse of the Courts by some of the Judges, Lawyers and Referees——–These despicable acts of corruption and Courthouse back-room FIXES affect all of our Rights under the United States Constitution and our Bill of Rights——–stay tuned

SEE http://exposecorruptcourts.blogspot.com/2012/06/nys-court-corruption-may-help-president.html 

JOHN SIEBERT MD–DUMPED BY CASTLE CONNOLLY MEDICAL LTD AND REMOVED FROM THEIR LISTINGS IN TOTAL

John Siebert MD has been expunged and removed in total from CASTLE CONNOLLY MEDICAL LTD listings of qualified doctors and surgeons. Siebert is a disgraced sex-pervert butcher-doctor who has been fired from New York Hospitals including NYU-Langone Hospital, Lenox Hill Hospital, Manhattan Eye and Ear Hospital for illegal use of narcotics, sexually abusing patients and for medical insurance thefts and fraud and malpractice. Siebert has been discharged and deleted from all aspects of these Hospitals facilities and not permitted entry into any of them for any purpose whatsoever.

Siebert has also been evicted out of 5 NYC medical offices and evicted by Brown Harris Stevens from one of their Park Avenue buildings for illegal occupancy, squatting in a property without Board approval and illegal use of the medical office to molest patients and illegal use and dispensing of narcotics by prescriptions.

Dr Siebert was recently evicted by Brown Harris Stevens and put out on the Street in NYC.

Siebert has been sued by Patients Muriel Karass, Barbara Pao;ucci, Diane Kleiman and many others for malpractice, fraud, Medicaid fraud and thefts, and sexual abuses. Siebert has been accused by others including Linda M, Ms Rachel and others as being a PEDOPHILE, a thief, a sex pervert and worse.

The proof of these charges against pervert Siebert are in Scams Inc and Scamraiders Archives, which include Sworn-to Affidavits, Hospital Letters confirming Siebert’s didcharge, Eviction Documents and much more.

In addition to Siebert’s sex offenses Siebert is a documented perjurer, thief, an admitted con-man in Corporate Resolutions in a Corporation that Siebert stole over $20,000,000.00 from Jim Couri that he unconditionally agreed to pay and that due to Russo and Burke Esq’s and Joseph M Burke Esq tampering, bribery and fraud on the NY Courts have up to now allowed Siebert to avoid Judgments.

Siebert is a psychopath, a sociopath, and a amoral dishonest nut-case.

Siebert is a incompetent Doctor and a butcher who has been finally found out by Castle Connolly Medical Ltd who have removed and expunged Siebert in Total from the Data-base of Castle Connolly Listings of Qualified Doctors.

Meanwhile Dr Siebert is now under investigation by NY State Department of Health for the termination of his Medical License in Total.

DR JOHN SIEBERT HAS BEEN RUN-OUT OF NYC AS A DISGRACED BUM AND THIEF AND SEX PERVERT. SIEBERT IS A QUACK, A THIEF AND A FRAUD WHO HAS LIED, CHEATED, ABUSED AND MOLESTED MANY, AND WHO HAS USED AND ABUSED THE COURT SYSTEM TO AVOID REPRISAL AND JAIL BY BRIBERY, TAMPERING, PERJURY AND CHEATING. SIEBERT’S TRANSGRESSIONS HAVE CAUGHT UP WITH HIM SO STAY TUNED

KENNETH V GOMEZ ESQ—-PUT UP OR SHUT UP

Kenneth V Gomez Esq is a PROVED psychopath, perjurer, stalker and thief. Gomez is a paid pimp working for George Pavia, John Siebert Md and Joseph M Burke, who desperatly need a “buffer” to malign and smokescreen the documentary proof published now all over the place, proving the charges Reported about these criminals and who they bribed.

Gomez has as yet to SPECIFICALLY deny the charges Jim Couri and many News Organizations have published about Pavia, Gomez, Siebert and Burke. Gomez in his self styled soap-box all alone tries to whitewash the PROOF and FACTS.

Here are the undenied FACTS supported by Court Records, Hospital Records of Siebert’s Discharge for sex abuses, healthcare insurance thefts and narcotics abuses.

Evidence of Siebert’s eviction from 5 NYC Medical offices, Siebert’s Tax Evasion,

Evidence of PAvia’s Bribery of Courts, proof of Pavias perjury and forgery at the ECB Court and NYC dept of Bldgs; Pavia’s tax evasion re Janna Pierce’s East 77th Street NYC property, Pavia’s mother in law’s property converted and stolen by the Pavias and his son Jullian evading Federal and State Taxes.

Gomez Medicare thefts, perjury, stalking, extortion, bribery and frauds —-

Dr John Siebert’s documented by Diane Kleiman’s Affidavit Sworn-to confirming Siebert is a sex predator and thief.

The State of Conn, Dept of Childrens and Family Report on Siebert as a Pedophile after Investigation.

Soon after Siebert was RUN-OUT of CONN and NYC as Siebert was FIRED from NYU LANGONE HOSPITAL, LENOX HILL HOSPITAL AND MANHATTAN EYE AND EAR HOSPITAL—

Siebert was EVICTED by REALITORS BROWN HARRIS STEVENS from MEDICAL OFFICES IN NYC and Siebert was also EVICTED OUT OF 5 OTHER MEDICAL OFFICES.

Siebert is accused by other patients in Affidavits of sex abuses, malpractice—ie MURIEL KARASS,
LINDA M, MISS RACHEL, DIANE KLEIMAN, BARBARA PAOLUCCI—and others.

Siebert is a target by NY STATE DEPARTMENT OF HEALTH FOR THE TERMINATION OF HIS MEDICAL LICENSE.

Siebert has been found to have commited perjury and fraud in NY State Court and by PAOLUCCI in NY CIVIL COURT. SIEBERT TAMPERED WITH REFEREE JACK SUTER AND WITH BURKE ENGAGED IN ILLEGAL EMAILS AND COLLUSION—-THE EVIDENCE AND EMAILS ARE IN THE HANDS OF FEDERAL LAW ENFORCEMENT ALONG WITH A PLETHORA OF OTHER PROOFS TAPE RECORDINGS OF JUDGES AND MUCH MORE——–

WHERE ARE GOMEZ, PAVIA, BURKE SIEBERT DENIALS?—— THEY DONT EXIST!!!!!

GOMEZ CONTINUES HIS LIES, WIND-BAG MINUTIA, RAILROADINGS, FORGERY AND UNDOCUMENTED ATTACKS—-

YET GOMEZ AND HIS SOCIOPATH BUDDYS HAVE FAILED AND REFUSED TO DENY THE DOCUMENTED REPORTS AND CHARGES ABOUT THIS SCREWBALL GROUP OF FOUR NUTCASES WHO HAVE CONTAMINATED BY BRIBERY, GRAFT AND BLACKMAIL THE COURT SYSTEM AND THE INTERNET—–

BY FORGERY, BASELESS SCAM ALLIGATIONS SOLELY TO COVER-UP THE REAL AND PROVED TAMPERING, CRIMINAL UNDENIED CRIMINAL ACTS, EXTORTION, THREATS OF PAVIA, SIEBERT, BURKE AND GOMEZ HIMSELF—

MS RACHEL HAS CALLED MR GOMEZ A ASS-HOLE AND A EXTORTONIST IN WRITTEN DOCUMENTS—SHE CALLE DR SIEBERT A SEX PERVERT AND PEDOPHILE IN AFFIDAVITS—–ALL UNDENIED BY GOMEZ, SIEBERT OR MAFIA, CORKSCREW GEORGE PAVIA—–STAY TUNED