Staying Out Of Harm’s Way By Avoiding Internet Scams
One thing that I think we can agree on: There are way too many scams out there, both online and off. We are going to discuss a few of the scams that plague the internet. Things like:
Email from a “millionaire” who needs help transferring large sums of money” This is one of the most popular scams online today.
How about the “You’ve won the lottery!!” emails? You know that unless you’ve bought a ticket, or registered for the lottery in question, you haven’t really won a thing. Prepare to be scammed!
Oh, and the “Free Credit Report” emails, did you know that they’re usually just someone looking to get your ssn number, or some of them even bill you for using their “free” service later?
Watch out for the E-gold and Paypal scams, where someone sends you a mail telling you that you HAVE to login, or risk losing everything. Both E-gold and Paypal have strict email policies, and neither of them would EVER ask for your login info with an email.
Then there’s “You’ve won a free gift”. How many of those do you get per week? All you have to do is pay s&h, right? Well, that means it isn’t really free, doesn’t it? You know what they get when you claim that free gift? Usually your credit card number or even your email address/phone number which can then be sold on as “leads”.
I’ve put together a bunch of links that can hopefully help you with safely marketing online, without getting scammed.
Minimize Credit Card Fraud
http://www.scambusters.org/CreditCardFraud.html
Museum of Scams and Frauds (I really love this one)
http://www.quatloos.com/
Great list of online and offline scams
http://www.crimes-of-persuasion.com/index.htm
A forum for discussing get paid programs. Good, Bad and Scams
http://www.isaaf.com/
List of scams with a touch of humour
http://www.worldwidescam.com/
What if you’ve already been scammed? Complain! Don’t just leave it. You won’t help yourself, nor others if you just leave it. Even if you don’t get your money back, you’ll be doing your bit to stop these scams and fraudsters, ultimately helping others to avoid them.
Been scammed? File a report!
http://www.econsumer.gov/english/
Where to complain (USA)
http://www.consumeraffairs.com
There’s just so much hype out there, and it’s easy to get “sucked in”. We all want to believe that we can actually make the promised 10‘s of thousands of dollars within just a couple of weeks.
In reality, things like that just don’t happen. The only person, who can possibly, if at all, make that amount of money, is the program owner. At YOUR cost. Always remember, if it looks unbelievable, it probably is.
No matter what you market online, always do your homework before signing up for anything. It‘s REALLY important to do a lot of research before you decide to pay out any money.
Don’t rely on just a couple of sources for information, find as many as you can. Check out lists and forums, see if they’ve got anything to say about the program/product you’re considering.
Ask all your friends and contacts if they’ve heard anything, good or bad. Go to marketing chatrooms, see what people there have to say about it. Ask about everything you need answers to regarding the product/program. You’ll be surprised at the amount of information you can get.
Get in touch with the owners, ask questions. If they’re elusive, or don’t answer you at all, then my advice would be to steer clear.
Identifying Scams That Look Like Legitimate Businesses
Here’s a list of some legitimate type programs that can actually be easily re-created by fraudsters:
· Web Cramming -
Promise: You get a free custom-designed website for a 30-day trial period, with no obligation to continue.
Fact: Sometimes, people have been charged on their telephone bills or received a separate invoice, even if they never agreed to continue using the service after the trial period.
Be Aware: Check your phone bills and challenge any charges you don’t recognize.
- Internet Access Services -
Promise: “You’ll get Free money, all you have to do is cash this check”
Fact: You are at risk of being “trapped” into long-term contracts for Internet access or another web service. There’s usually huge penalty fees if you cancel, or terminate the service before the “agreed” period is up.
Be Aware: If you receive a check, read both sides and look inside the envelope for any hidden conditions that you’re “agreeing” to if you cash the check. Also read your phone bill carefully for any unexpected or unauthorized charges that may be there.
· Business Opportunities –
Promise: “You can kiss your 9-5 job goodbye, be your own boss and rake in the cash.”
Fact: There’s a lot of hype out there. Unfortunately, people believe all the wild promises about potential earnings, and end up investing big bucks into a program/opportunity that turns out to be a total flop.
Be Aware: Always look for evidence to back up the earnings claims. Talk to others who’ve started businesses through the same company. Get all the promises, claims and conditions in writing.
· Investments -
Promise: Just make one investment in a day trading system or service and you’ll get huge returns.
Fact: Any promised profits come with a risk. The bigger the profits, the bigger the risks.
Be Aware: Talk to other people who invested through the program to find out what level of risk you’re assuming. Do a check on the promoter through state and federal securities and commodities regulators.
· Internet Auctions -
Promise: You can shop for a huge selection of products at great deals, from the comfort of your own home.
Fact: A lot of people have received an item that is less valuable than promised or at the very worst, nothing at all. Of course this is AFTER they’ve parted with their cash.
Be Aware: When you’re bidding through an Internet auction, especially if it’s for a large quantity, or a valuable item, check out the seller first. Also, insist on paying with a credit card or using an escrow service. An “escrow service” will act as a “paid middle-man”. They will hold your cash until you get the merchandise, then they will pay the vendor, for a fee.
As you can see, there are lots of ways to get scammed, so always make sure you ask a lot of questions, do background checks and scrutinize ALL contracts and papers before you sign anything at all. Remember, it may be easy just to sign up and wait for good things to happen, but it’s just as easy, if not easier, to lose your shirt.
For more articles on computers and technology visit my blog at http://www.plaintechtalk.com/blog . Thanks for reading Nathan’s Plain Tech Talk, stay safe online and I will see you next week.
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