Scams How to spot them in Your Industry!

Protecting the consumers from the robbers!

Top Tips to Protect Yourself Against Frauds and Scams, Identity Theft and Reduce Spam Email

This article was first published on: http://www.consumerfraudreporting.org/defend_yourself.php

What can you do to defend yourself from scams, frauds and identity theft? Whether you think you have been the victim of a fraud or scam or want to be proactive in protecting yourself, here is a list of specific and simple actions that you can take, some just once, to protect yourself and your family!  We have ranked them in order that you should take them:

  1. Don’t use or carry a checkbook. Pay by cash or credit card. Paying your bills through your bank or credit union’s online bill paying service (which is usually free) is much safer than mailing a check.
  2. Buy and use a paper shredder. Shred any documents that have your social security number or other financial information, such as your bank account numbers, credit card numbers etc.  identity thieves actually go through homeowner’s trash to obtain personal information. If you don’t have a shredder, burn these  documents completely in the fireplace.
  3. Freeze your credit! It prevents scammers from opening unauthorized accounts in your name. Even if your state is one of the few that doesn’t allow a freeze, thanks to pressure from consumer advocacy groups, you can still freeze your files at the three major credit bureaus.  See this page for more information about both freezes.
  4. Sign up on the Do-Not-Call List
  5. Sign up to block credit card offers from arriving in your mailbox.
  6. Don’t carry your Social Security card with you. When you renew your driver’s license, make sure the DMV does not use your Social Security number as your driver’s license number.
  7. Use a separate email address when you post messages to any public forum, such as newsgroups and mailing lists. Free email accounts from Yahoo and Hotmail are perfect for this. Never use your personal email address for this purpose: you will be flooded with spam. You can periodically check this email account to see what’s spam and what isn’t. A bonus is that Yahoo’s spam blocker is better than those from most ISP’s! And your main personal email address won’t be as clogged with spam. Some ISP’s, like AOL and BellSouth.net give you multiple email accounts free with your paid service.
  8. Don’t give out any financial information, such as checking account and credit card numbers; and especially your social Security number; on the phone or online, unless you initiate the call and know the person or organization you’re dealing with. Don’t give that information to any stranger. In general, it is only required for medical providers, banks, mortgages and credit card companies.
  9. Don’t fill out the “win a vacation” and other promotions you see in stores and shopping malls.  That will just get you on a junk mailing list and guarantee calls from persistent, high-pressure salesmen.
  10. Don’t pre-print your driver’s license, telephone or Social Security numbers on your checks. And in states that want to use your social security number as your driver’s license number, insist on another method – most allow it.
  11. Report lost or stolen checks immediately. The bank can block payment on the check numbers that are missing. Also, review new checks you receive, to make sure none has been stolen in transit.
  12. Store new and cancelled checks, credit card statements, medical bills, anything with confidential information, in a safe place and shred them when you are done with them.
  13. Guard your Personal Identification Numbers (PINs) for your ATM and credit cards, and don’t write on or keep your PINs with your cards. You should also guard your ATM and credit card receipts. Thieves can use them to access your accounts.
  14. Be creative in selecting Personal Identification Numbers for your ATM and credit cards, and passwords that enable you to access other accounts. Don’t use birth dates, part of your Social Security Number or driver’s license number, address, or children’s or spouse’s names. Remember: If someone has stolen your identity, he or she probably has some or all of this information.
  15. Use a good anti-virus software, anti-adware software and a hardware firewall on your computer, and keep them up to date. You need all three. Almost all modern Routers (Dlink, LinkSys, NetGear, Buffalo, Airlink, etc.) have a hardware firewall built in. See the left side of this page for the current recommendation for ant-virus / anti-malware programs.
  16. Don’t put outgoing mail in or on your mailbox. Drop it into a secure, official Postal Service collection box. Thieves may use your mail to steal your identity.
  17. If regular bills fail to reach you, call the company to find out why. Someone may have filed a false change-of-address notice to divert your information to his or her address.
  18. If your bills include suspicious charges, don’t ignore them. Instead, investigate immediately to head off any possible fraud before it occurs.
  19. Check your credit report regularly. Federal law allows you to obtain one from credit report from each of the 3 major credit reporting agencies per year. See this page for more information.
  20. There are services online, some free, such as SneakMail that provide you with disposable addresses that can be deleted if they begin to receive spam messages. The disposable email addresses forwards email to a real email address of yours, but the sender can not see this. If you create a unique address for each email newsletter or forum you subscribe to you can  discard the address is it gets too much spam and just start using another email address.
  21. NEVER buy anything from a company that sends you spam. Don’t even visit their sites or ask for more information. It is like feeding a stray cat.  Give it one morsel of food, and it will be there all the time (and that may be fine with cats, but NO one wants spammers at the doorstep!).  Remember, since they send out millions of spam emails, they only need a tiny fraction of responses to be profitable.
    And if that doesn’t convince you, consider this: the vast majority of spam “offers” are in fact scams!
  22. Set up filters in your email program. Outlook does this quite easily. When you open an email and realize that it is spam, just click on Actions then Create Rule, then select an appropriate action, such as “from” then click “Move e-mail to folder” and select the “Deleted Items” folder. That’s it!  You’ll never receive email from that particular address or subject again!  More anti-spam filtering tips and information.
  23. If you have a website, do not post your address in the HTML “mail-to” format, otherwise you will be spammed, since address-harvesting spiders (programs) extract your email address from the website and add it to the spammer’s lists.  Instead use feedback forms through PHP, ASP, or JSP that hide the email address, OR post the email address as a GIF (image file).
  24. Check out this list of tips on evaluating email, letters and phone calls you receive for potential scams.
  25. Finally, if it seems to good to be true… IT IS! No one is going to send you a pile of money from a dead Nigerian president, no lottery is going to make you a winner from a “randomly selected from a database of email addresses”.  Multi-level marketing IS A SCAM, ALL psychics are nothing more than conmen, and you can not  make big money from “passive residual income in a few hours of your spare time each day”. And there is no Easter Bunny.

Resources lists and guides – lists of domain extensions for other countries, telephone country codes, area codes, etc.

The bottom line is, if you want to live like a Prince or Princess in a fairy tale, then use common sense, work hard and work smart to achieve your goals.

Advertisements

March 17, 2010 Posted by | Business, Consume, Consumer Scams, Courses, fraud, government resources, Real Estate, Report a Scam, Research sites, Seminars, Share Trading, State Resources, Superannuation, Training | , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

I’ve been scammed!!! What do I Do?

First of all go to your local police or authorities and report the scam, then go to http://www.scamwatch.gov.au/scamstargetyou/help.php

They will show you how to report it their.

Remember that there are many types of scams and just because one area of government won’t follow it up there are more that will. Depending on the scam will depend where you go as well make sure you take the time to report and suport others with your findings.

protect yourself

protect yourself and others from scams

March 9, 2010 Posted by | Consume, Consumer Scams, Report a Scam, Research sites, State Resources | , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Real Estate Lead Generation SCAM Spot them the How To here.

Hi http://www.scam.com/ you have really written a bad article here, boo who? Timhead well that is his name on top of the article, http://srv349.rackco.com/showthread.php?p=798710.

Titled Real Estate Lead Generating Scams,

Free real estate posting sites, Its Free, FREE, FRE to post your Real Estate on our site.

QUOTE: This Back door marketing trap catches visitors by utilizing unsuspecting Realtor Companies Listings as the Bait to harvest leads.

Okay Timhead why is the sale of information such a big deal, you buy the new paper don’t you and they do a lot worse with peoples names then an agent calling a prospect back who wants to list their house. If you new anything about lead generation and the sale of leads it is governed quite strictly and no one interested in buying a lead that could be worth thousands would be harvesting mass generated low targeted leads.

A lead generation process happens on a very defined market niche where the prospect or the consumer is looking for very specific information, a lead generated from a random question is not only worthless but is considered spam and for you so called big business these leads are lucky to be worth cents per thousand.

If a real estate lead is generated in mortgage broking it will be a cost to a seller of that service from $40 to $130 per lead, do you think that someone is going to buy that if the consumer is going to say “how did you get my details” “I didn’t sign up for this” are you kidding or just living in the 90’s Timhead. Also a lead for an agent looking to sell / buy property can be worth up $5000 for a buyers agent and a percentage of the agents commission if someone is looking to sell. Please tell me what person would buy a real estate lead of that value, that would have a consumer not be happy to have this person contact them?

Check out the first comment:

This really doesn’t sound like a scam to me. If you sign-up for something you have to read the privacy policy or else your information probably will be used in ways you don’t know about.
It’s a common practice among all types of sites.

Haha nice one http://www.scam.com/ super article, maybe you just wrote some poor article because you thought you maybe able to generate some traffic on you site in that area then hoping they click on your masses of google ads, sounds like the article should be on click fraud because that is all you are enticing, article that make people want to leave your site by clicking on your ads.

Here are 30 reasons why people loose money in real estate

February 26, 2010 Posted by | Consume, Consumer Scams, Courses, fraud, Real Estate, Real Estate Buying, Real Estate Selling, Real Estate Seminars, Real Estate Trading, Real Estate Wealth Creation | , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Neil Jenman Scam? Consumers Alert or Just MASSIVE EGO…

The consumer protector in real estate he says, protecting consumers from scams and fraud in real estate. He has left a trail of destruction all over the place and our friends in New Zealand don’t like him ether.

Don’t tread on his ego because he will go to work on you with his  SEO works online, first article from consumer warning talks about how he just set off to tarnish a person credibility online with his sites. Then property investing forum suggest that they will not advise anyone to consider information on his site and they just want to say away from him.

To quote http://trialbyinternet.blogspot.com

If you seek legal advice, the first step of course is to have a cease and desist letter sent which Jenman simply laughs at. In some cases, Jenman further ridicules his victim by boldly publishing his mocking remarks relating to their attempted defense. “If what I said is really untrue then sue me!” This bold response from Jenman gives the impression that he must be telling the truth about his victim, but actually like most intelligent and pre-meditated doers of evil, Jenman knows that the chances of a conviction are slim. Defamation is one of the most expensive and high risk areas of law to defend yourself against and if you lose you have to pay not only your own legal costs (which can vary between $100,000 and $300,000) but you have to repay around 65% of the other sides costs as well. Even if you do win, damages are hard to quantify and there is no guarantee that you will get them. On top of that, it can take 1 – 2 years to get a result. Is it any wonder that most people Jenman defames never go past their first letter of demand? They have little choice but to remain guilty – unable to prove innocence. They suffer in silence or they change their name. The simple fact is, Jenman can say what he likes and unless you have the cash, the time and the will, Jenman wins.

A comment on the article: September 3, 2008 2:09 AM Well written … and well researched. I have been on the receiving end of such bullying tactics of gutter journalists and self-promotion egomainiacs. People like Jenman and Current Affair journo’s like Ben Fordham are the scum of the earth and have no moral values beyond their own egos. They never do real research, they find a person that they think they can destory then create lie after lie to build their case, hidding behind the walls of solicitors and TV cameras. For all those people who have been attacked by these scum, stand tall in the truth, they will be brought to judgement eventually. “Greater is He who is in me (God) than he who is in the world (satan).”

The comments seem to go on and on he really dose not have any fans here..

Then jump on over to a PDF from the Real Estate Institute of New Zealand (REINZ) They have an article here is the first little bit;

The real estate institute of New Zealand (REINNZ) today cautioned people not to accept at face value the extravagant assertions of self-styled consumer advocate Neil Jenman. Jenman, the controversial Australian auther and seminar promoter, who positions hinself as a consumer advocate is currently visiting New Zealand running seminars questioning the ethics of real estate Practitioners. The real purpose of his seminar is to enable him to build his business of “accredited” Jenman system real estate practices.

So here is a bit more on how he works the online world in his favor, a very small amount of his site;

JenmanFightsBack.com.au registration to “THE NEIL JENMAN GROUP PTY. LIMITED” then,

Jenman.com.au registration to “The Jenman Winners Circle Pty. Limited” also

RealEstate-Help.com.au registration to “THE NEIL JENMAN GROUP PTY. LIMITED” then

RealEstateMonitors.com.au registration to”The Neil Jenman Group Pty.”

they are all title in a way to build his authority in the search engines, you should go to,  JenmanFightsBack.com.au tag line ‘protecting the man who protects consumers’… has been build to protect is so called reputation?? Why whould a man that protect consumers need a site like that?? hmmm maybe to rank in areas that people slander his name, great key words their Mr. Jenman. His wife and daughter have put together this site it says;

Quote by Reiden Jenman,

To the cowards who make these claims and to one coward in particular (who places our home address on the Internet and puts my family’s safety at risk), I say this to you.

Really i’m confused about this so called consumer protector?? who’s family is at risk! sounds like he has over step and over stayed his welcome with the real estate industry. So how do you evaluate this kind of person when a normal search on a personal name, then scam or scams after it would bring up information about the person that they would not like others to see, his search just brings up every article on everyone else he has named and shamed…what do you think of that Reiden?? And then every other avenue has his sites like ‘RealEstateMonitors.com.au’ sites that are built to support his other article sites and written to deceive consumer by implying that his site is, ‘an association develop’ by the industry or the government. Here is a bit from the ‘about’ section on this site.

We monitor agents and salespeople, looking for those who provide the best service for consumers.

In conjunction with Neil Jenman, we also monitor property investment advisers. really is that right? that you monitor agents and salespeople? because it is owned by “The Neil Jenman Group Pty.” and they would recommend agents that only have completed his course or seminar (the Jenman System)  hmm the plot thickens Jenman. or maybe I’m wrong, maybe your motoring site that is owned by you is put there for another reason… what if you jump in the comment or courts and prove me wrong ops that is Jenmans line.

Well drop your thoughts and make your own judgement, i’m done with using his site for any research.

P>S also someone has taken this site down haha good one everthing is always online, so goto: http://web.archive.org then search http://www.jenman.org

more comments at: http://www.propertyinvesting.com/forums/community/opinionated/15267

February 25, 2010 Posted by | Business Seminars, Consume, Consumer Scams, Courses, fraud, Real Estate, Real Estate Buying, Real Estate Selling, Real Estate Seminars, Real Estate Trading, Real Estate Wealth Creation, Report a Scam, Research sites, Scam Games, Seminars, State Resources, Training | , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Spotting a corporate scam in the industry your investing in!

Roy McDoanld has given me one of the greatest gifts that I could ever receive, and that is the gift of learning, Roy said that in order to move forward you need to learn from the past. In one of Australia’s biggest corporate scandals there can be a lot of learning. The asbestos scandal with James Hardie Industries took a turn for the worse when in 1995 the chief operating company was quietly stripped of its assets. Trade names, patents, huge management fees  and dividends flowed to the parent company.

“GREG COMBET, SECRETARY, ACTU: This is one of the most morally and legally repugnant acts in Australian corporate history.” ABC’s 730 Report

If we are to learn from this we could be to look into to corporate scams and frauds, Matthew Johnston from the University of Melbourne has written a great article on how “study shows how best to bust corporate fraud” this with research form KPMG. They also have some grate articles on fraud risk management and Unmasking the face of corporate fraud. Will help you gain a quick grasp on what can really go on in the corporate world.

Roy McDonald mentions that corporate fraud and scams are driven by greed and this is a trait of the ego as you start looking and researching you will find far more information then you need or will ever need, though once you have a basic understanding of how to spot a scam in the industry then turn your research attention to the people in control of the company and the character traits of them. Once you have your research then you can paint a clearer picture of where the company might be heading and if you should go and invest your super or money into it.

February 19, 2010 Posted by | Business, Business Buying, Business Selling, Business Seminars, Business Trading, Consumer Scams, fraud, Report a Scam, Research sites | , , , , , , , , , , , , , , , , , , , , | Leave a comment

Scam Report! How to report one?

If you are in Australia and you have been a victim of a scam or have observed scam or fraud and are looking at where to go online to report the scam or where to go in general to report the scam or fraud, this site will provide you with direction in the different areas of scams and fraud, so you can get your voice heard for enforcement. There can be a few different law enforcement agencies that you may need to go to and report the scam as some will cross over into other industries.

If you are looking for somewhere to report the scam or fraud in you state click on your state listed below:

Reporting scams in New Zealand

If you are a resident in New Zealand or you are an Australian and have been a victim or observer of a scam or fraud that could effect people in New Zealand contact the following depending on how broad you believe the scam or fraud to be;

How to report different types of scams

When you feel you have been scammed by someone online or by a website, or even if you are using a service provided by a website and you feel someone (a third party) on that service is scamming you or conducting fraudulent activity then go to the “Privacy Policy” or the “Help Center” to report it you will find things like, security, warnings, intellectual property, then they will probably have selected areas that you may use on the site like “chat” or “application” the site offers. Click on the area that you have been scammed in and look up the details to, first inform them, then inform the appropriate people. The site may have a procedure for you to follow so you can minimize the risk to you and others.

February 17, 2010 Posted by | Report a Scam | , , , , , , , , , , , , | Leave a comment