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Casual Articles - The Risk Of Electronic Fraud & Identity Theft
A bond is a debt obligation or security, where the the holder or buyer expects the holder to repay the principal and interest at maturity (a date in the future). The bond market is a financial market where these bonds are bought and sold. To get an estimate of the size of these debt securities markets you should bear in mind that the international bond market is approximately $45 trillion and the size of U.S. bond market debt is about $25.2 trillion.How are these markets structured?Quite different from the stock, futures and options markets, most of the trading volume in bond markets takes place between brokers and large financial institutions in an over-the-counter market. But, a couple of bonds, primarily corporate ones, are listed on exchanges. This is partly due to the differences in bonds.What are the various types of bond markets?The Securities Industry and Financial Markets Association(SIFMA) classifies the bond market into the following categories:1) CorporateIn simple terms, corporate debt securities are IOU's issued by corporations so that they can use this cash to
Links
-----
http://pages.ebay.com/help/confidence/index.html
If you receive an e-mail from someone promising you millions of dollars if you assist them with their finances, delete it immediately!. Some of these scams have been running for years and new ones surface frequently. I recently saw one supposedly from the wife of the late Yasser Arafat, promising millions of dollars if someone would help her establish a trust fund in the US. The reasons these types of e-mail scams are so wide spread is
Many people want to make money online on the internet. People are becoming more aware of the need to have multiple streams of income. The internet is a favourite avenue for this. Aside from the fact that you have to be comfortable using a personal computer that is hooked to the internet, one does not need specialized education qualifications to succeed. In fact, many a guru proudly say that they are dropouts who have done well for themselves through the internet.That is good, but they will tell you that you do not need to know technical stuff which on the most part is true. As you start getting into it, they will still say you do not need it but will be very good if you did. I will say upfront, take it that you need to know. But all is not lost if you do not. Get your friend, spouse, son, daughter, nephew, niece or whoever you can get to help you. If not, you should just pay someone to help you. It is not a tremendous lot that you need to know as an internet marketer. Once you get the hang of it, you will forget how difficult it looked at the beginning.When you decide to make money online on the interne
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Human beings are pretty sensible when presented with an imminent threat or risk. That is, if it's staring us directly in the face. Many threats and risk are presented in subtle ways, and it is these subtleties we tend to overlook.
It's The Little Things We Tend To Overlook
------------------------------------------
Thousands of years ago, it was the subtle things that caused
us to take action, to error on the side of caution and
protection. A good example, the reports regarding animals
seeking refuge early on during the tsunami that claimed the
lives of over 300,000 people this past January. Over time,
most people have lost the ability to identify the signs,
determine the probability, validity, and impact of certain
threats and risk.
Making Assumptions vs. Staying Vigilant
---------------------------------------
At home, my family has given me the nickname "Safety Dad". I
tend to be hyper-vigilant when it comes to the safety and
protection of my family, probably to a fault. I take a
similar position on the security of my computer systems and
my financial well-being. On the other hand, I tend to make
assumptions about things when I should not. For the most
part, I like to think that people are good natured. I
believe the majority of people would like to think this way.
The sad fact is, this is an assumption that can impact us
greatly, and not in a positive manner.
The purpose of this article is to share with you my thoughts and position on some of the basic things you can do to protect yourself from several types of threats. Particularly those that involve electronic fraud and Internet fraud. Although some of these items are not directly related to the Internet, the moment someone has your private or financial information (identity theft), the Internet will be one of the first places they visit.
(Protect Yourself Against Electronic Fraud)
Automated Teller Machines (ATM) & Skimmers
------------------------------------------
Have you ever heard of a "Skimmer"? If you haven't, you need
to be aware the risk this presents you. Skimmer's are
devices that appear to be a legitimate part of an automated
teller machine but are in fact, fake card readers. They
capture all the information stored on the magnetic stripe on
the back of the card. Skimmer's have been around for quite
some time but their use is on the rise again. The following
link will show you what a skimmer may look like and how it
is used.
Links
-----
http://www.defendingthenet.com/Newsletters/ATMSkimmerFraud.htm
Did you know the cost to a bank or ATM vendor is minimal if their machine is compromised, but to you it may be severe? The company that owns the ATM only has to worry about the cost to replace the machine, plus the amount of money inside. You, on the other hand, stand to loose not only your bank account funds, but possibly your identity.
Phishing and Web Site Redirection
---------------------------------
This type of electronic fraud comes in many forms, and is
one of the most popular ways of collecting private
information, and money from the masses. Why? Because it is
simple to do and very effective.
If you receive an e-mail from your bank, credit card company, or other online merchant like, Ebay.com or Amazon.com, requesting information such as passwords and financial info, delete it and report it immediately. Many of these e-mails link you to web sites that look exactly like that of the real company but are in fact fakes. Take a look at Ebay's Online Security and Protection section to get an idea of what you need to do in order to identify scams like these.
Links
-----
http://pages.ebay.com/help/confidence/index.html
If you receive an e-mail from someone promising you millions of dollars if you assist them with their finances, delete it immediately!. Some of these scams have been running for years and new ones surface frequently. I recently saw one supposedly from the wife of the late Yasser Arafat, promising millions of dollars if someone would help her establish a trust fund in the US. The reasons these types of e-mail scams are so wide spread is
A strange thing has been happening to newsletters online. They have been turning into either a) promotional emails or b) web pages delivered by email. I’m sure you know what I mean. Go back a couple of years and you could look forward to receiving your favorite newsletter in the knowledge that the newsletter itself would contain some great content...something you could read and enjoy, or learn from. You could open the newsletter in your email and read it, from beginning to end. There were articles, reviews or just personal rant...well written and interesting. In short, there was real value, right there in the newsletter. These newsletters, where significant value lies in the body of the newsletter itself, are becoming harder and harder to find. Instead, more and more companies and organizations are using their ‘newsletters’ as a promotional ploy to drive you to pages on their sites. In one way, it’s understandable. As anyone with a newsletter knows, if you have one or two links to your site in the newsletter, your site traffic really spikes on the days you send
---------------------------------------
At home, my family has given me the nickname "Safety Dad". I tend to be hyper-vigilant when it comes to the safety and protection of my family, probably to a fault. I take a similar position on the security of my computer systems and my financial well-being. On the other hand, I tend to make assumptions about things when I should not. For the most part, I like to think that people are good natured. I believe the majority of people would like to think this way. The sad fact is, this is an assumption that can impact us greatly, and not in a positive manner.
The purpose of this article is to share with you my thoughts and position on some of the basic things you can do to protect yourself from several types of threats. Particularly those that involve electronic fraud and Internet fraud. Although some of these items are not directly related to the Internet, the moment someone has your private or financial information (identity theft), the Internet will be one of the first places they visit.
(Protect Yourself Against Electronic Fraud)
Automated Teller Machines (ATM) & Skimmers
------------------------------------------
Have you ever heard of a "Skimmer"? If you haven't, you need
to be aware the risk this presents you. Skimmer's are
devices that appear to be a legitimate part of an automated
teller machine but are in fact, fake card readers. They
capture all the information stored on the magnetic stripe on
the back of the card. Skimmer's have been around for quite
some time but their use is on the rise again. The following
link will show you what a skimmer may look like and how it
is used.
Links
-----
http://www.defendingthenet.com/Newsletters/ATMSkimmerFraud.htm
Did you know the cost to a bank or ATM vendor is minimal if their machine is compromised, but to you it may be severe? The company that owns the ATM only has to worry about the cost to replace the machine, plus the amount of money inside. You, on the other hand, stand to loose not only your bank account funds, but possibly your identity.
Phishing and Web Site Redirection
---------------------------------
This type of electronic fraud comes in many forms, and is
one of the most popular ways of collecting private
information, and money from the masses. Why? Because it is
simple to do and very effective.
If you receive an e-mail from your bank, credit card company, or other online merchant like, Ebay.com or Amazon.com, requesting information such as passwords and financial info, delete it and report it immediately. Many of these e-mails link you to web sites that look exactly like that of the real company but are in fact fakes. Take a look at Ebay's Online Security and Protection section to get an idea of what you need to do in order to identify scams like these.
Links
-----
http://pages.ebay.com/help/confidence/index.html
If you receive an e-mail from someone promising you millions of dollars if you assist them with their finances, delete it immediately!. Some of these scams have been running for years and new ones surface frequently. I recently saw one supposedly from the wife of the late Yasser Arafat, promising millions of dollars if someone would help her establish a trust fund in the US. The reasons these types of e-mail scams are so wide spread is
So you have sorted out your web space and you have a catchy name with a memorable tagline. So now your thoughts should turn to website design. You don't need a design degree to develop a high performing and stylish website. There are some simple rules of thumb to follow that will appeal to your readership on a subconscious level, which in turn will make your website a high achieving advertising tool.Different colours give off different subliminal messages. Take time to choose the colour of your website and the colours of the fonts used within the website to create the right feeling and mood for your subject matter and your target audience.Red is associated with love, passion, danger, warning, excitement, food, impulse, action, adventure.Blue is associated with trustworthiness, success, seriousness, calmness, power, professionalism.Green is associated with money, nature, animals, health, healing, life, and harmony.Orange is associated with comfort, creativity, celebration, fun, youth, affordability.Purple is associated with royalty, justice, ambiguity, uncertainty, luxury, fan
(Protect Yourself Against Electronic Fraud)
Automated Teller Machines (ATM) & Skimmers
------------------------------------------
Have you ever heard of a "Skimmer"? If you haven't, you need
to be aware the risk this presents you. Skimmer's are
devices that appear to be a legitimate part of an automated
teller machine but are in fact, fake card readers. They
capture all the information stored on the magnetic stripe on
the back of the card. Skimmer's have been around for quite
some time but their use is on the rise again. The following
link will show you what a skimmer may look like and how it
is used.
Links
-----
http://www.defendingthenet.com/Newsletters/ATMSkimmerFraud.htm
Did you know the cost to a bank or ATM vendor is minimal if their machine is compromised, but to you it may be severe? The company that owns the ATM only has to worry about the cost to replace the machine, plus the amount of money inside. You, on the other hand, stand to loose not only your bank account funds, but possibly your identity.
Phishing and Web Site Redirection
---------------------------------
This type of electronic fraud comes in many forms, and is
one of the most popular ways of collecting private
information, and money from the masses. Why? Because it is
simple to do and very effective.
If you receive an e-mail from your bank, credit card company, or other online merchant like, Ebay.com or Amazon.com, requesting information such as passwords and financial info, delete it and report it immediately. Many of these e-mails link you to web sites that look exactly like that of the real company but are in fact fakes. Take a look at Ebay's Online Security and Protection section to get an idea of what you need to do in order to identify scams like these.
Links
-----
http://pages.ebay.com/help/confidence/index.html
If you receive an e-mail from someone promising you millions of dollars if you assist them with their finances, delete it immediately!. Some of these scams have been running for years and new ones surface frequently. I recently saw one supposedly from the wife of the late Yasser Arafat, promising millions of dollars if someone would help her establish a trust fund in the US. The reasons these types of e-mail scams are so wide spread is
Are you earning enough now in your internet business? Are you satisfied with the results of your sales? Or are you just starting up and worrying already how you will generate revenue with your internet business? Are you freaking out if you’ll really make it with your internet business?The competition is becoming tougher. Millions are online, but hundreds and thousands of internet businesses are also out there. Customers are able to demand more because they know there are many alternatives out there for them. With so many others to struggle with and against, how will you stand out? How will you make it with flying colors to the top?Let us count the ways to earn towers of profit!1. Website Development Is a Must!DesignThe appearance and content of the site must be pleasant enough to attract people to read on and buy.Don’t mess up your page with too much information. The message may not get across if there are too many confusing details seen in your page.The page must load easily. The text and graphics should be clearly viewed. It should not be too large that would make th
Links
-----
http://www.defendingthenet.com/Newsletters/ATMSkimmerFraud.htm
Did you know the cost to a bank or ATM vendor is minimal if their machine is compromised, but to you it may be severe? The company that owns the ATM only has to worry about the cost to replace the machine, plus the amount of money inside. You, on the other hand, stand to loose not only your bank account funds, but possibly your identity.
Phishing and Web Site Redirection
---------------------------------
This type of electronic fraud comes in many forms, and is
one of the most popular ways of collecting private
information, and money from the masses. Why? Because it is
simple to do and very effective.
If you receive an e-mail from your bank, credit card company, or other online merchant like, Ebay.com or Amazon.com, requesting information such as passwords and financial info, delete it and report it immediately. Many of these e-mails link you to web sites that look exactly like that of the real company but are in fact fakes. Take a look at Ebay's Online Security and Protection section to get an idea of what you need to do in order to identify scams like these.
Links
-----
http://pages.ebay.com/help/confidence/index.html
If you receive an e-mail from someone promising you millions of dollars if you assist them with their finances, delete it immediately!. Some of these scams have been running for years and new ones surface frequently. I recently saw one supposedly from the wife of the late Yasser Arafat, promising millions of dollars if someone would help her establish a trust fund in the US. The reasons these types of e-mail scams are so wide spread is
Is it really that important to raise your credit score? Maybe. Lenders have "break points" between scores that get you one interest rate or another. Suppose you have a score of 688, and the lender drops the mortgage rate by .5% at 690. Those two points can cost you an extra $20,000 in interest on a $170,000 loan (over 30 years at 6.5% instead of 6%). Is that important enough for you? What can you do?Eight Ways To Raise Your Credit ScoreThere are ways to raise your credit score. Some of them take more time than others to have an impact, but if you start working on it now, you can boost that score before long.1. Check credit reports for errors. If there are errors that are hurting your score, contact the credit reporting agency that issued the report and challenge them. The agency is obligated to investigate and correct any mistakes within thirty days. If a creditor doesn't respond to their inquiries, they have to automatically remove the item in question (you may have to remind them about this part of the law).2. Pay off balances every month. It is just good for your future, as a way
Links
-----
http://pages.ebay.com/help/confidence/index.html
If you receive an e-mail from someone promising you millions of dollars if you assist them with their finances, delete it immediately!. Some of these scams have been running for years and new ones surface frequently. I recently saw one supposedly from the wife of the late Yasser Arafat, promising millions of dollars if someone would help her establish a trust fund in the US. The reasons these types of e-mail scams are so wide spread is because they are highly effective and relatively easy to do. Thousands of people get ripped off by these scams every day. To see examples of several recent scams, take a look at the following Phishing Scams page.
Links
-----
http://www.defendingthenet.com/NewsLetters/RecentPhishingScams.htm
Another good source of information on these types of scams can be found at the State of NY Banking Department.
Links
-----
http://www.banking.state.ny.us/index.htm
Credit Card Fraud
-----------------
Never place your credit card face up when paying for
something. Many people will simply place their credit card
on the table, face up, when paying for a meal, for instance.
In the time it takes for the server to pick up your check,
someone walking by can visually scan your card for
everything they need to go on an Internet shopping spree.
There are thieves that specialize in this type of fraud.
When paying for something, particularly at a restaurant, check to see if the full or partial credit card number is on the merchant receipt. In most cases, only the partial number is visible. However, when the full number is there, I cross out all but the last four digits with a pen. The merchant has already scanned the card at this point, they should not need a paper backup of the number.
If your credit card is stolen, lost, or used fraudulently, you can call your card company and speak with the fraud department. However, I recommend you contact your card company's credit line department first. This is the department that can extend your credit almost instantaneously. They can also decrease it within seconds as well. If you have a limit of $5,000, they can reduce it to $100 immediately, then pass you to the fraud department. Call your card company and request the direct number to this department and make a record of it.
If you notice someone swiping your card more than once when paying for an item, ask them why. Regardless of how sensible the answer is, call your card company and request a list of the last few transactions, you might be surprised what you find.
If your card company sends you checks to use for cash advancements and you don't plan on using them, don't keep them around, shred them immediately. We get these all the time in the mail. As far as shredders go, everyone should have one. You can pick up a small one for under $30 and it is well worth the investment.
Any statements or correspondence you have regarding your credit cards should be in a secure place or shredded.
Credit Reporting & Monitoring
-----------------------------
Thoroughly review your credit report at least every 90 days,
more frequently if possible. It's better to find out sooner
than later if someone else's actions are negatively
impacting your credit report, trust me. There are three
major credit reporting agencies, Equifax, Experian, and
TransUnion. They all have reporting and monitoring solutions
available. Some of these services may be free of charge.
Links
-----
http://www.transunion.com
http://www.experian.com
https://www.econsumer.equifax.com
If you find something strange on your credit report, contact the credit reporting agency immediately. In addition to calling them (if possible), send them a certified letter describing what you have found. It's very important to document any and al
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