There are a variety of modern scams effecting individuals who use the internet for honest purposes. The internet has become one of the most valuable resources to modern civilization. Unfortunately, there are new crimes being committed, new scams to become familiar with, and little resources for a beginner or common user to learn about the scams people use. With some general knowledge and a cautious eye, you can keep your Internet experience friendly and enjoy the vast array of information and networking the Internet offers. There are three basic elements to keep you protected. Email Phishing Scams
They will generally indicate that your user account needs to be updated, and provide a link to take action. You can generally pick-these-out by analyzing the link. For example, if the site in question is www.mjmls.com, but the link provided is pointing at mjmls.something.com, it is not taking you to the Mjmls server. An individual simply named a file folder on their host, “Mjmls,” for the purpose of tricking users. This is referred to as a Sub-domain. Webmasters can call a Sub-Domain anything they want. For example, we could easily make a Sub-Domain called, “YourbanksName.mjmls.com”. This Sub-domain could point to any folder on our server. This is similar to a Desktop Shortcut on your computer. You are free to name the Shortcut anything you want, but it will still point to the same folder within your computer. The pages that are contained on these Sub-domains are clones. Many Scam Artists will go through great extents to make their pages look identical to the actual companies Web pages. Users may find similar graphics, logos, terminology, and addresses. In addition, they follow in unison with the Email messages that where sent. For example, they may say, “Update Your Profile,” on top of the page. They may even go through the trouble to have your username displayed on the page. The fraudulent pages will almost always contain a form asking you for sensitive information. If you complete the form, it will store all the details entered on their server. Now the person running the Phishing campaign can access your account at the actual site they targeted. Phishers may ask that you provide credit card details on a fake form. This opens the doors to a whole new realm, if a user complies. Random Phishing
Several of these messages went to the extreme of saying my account may have been compromised. They indicated that I need to update my profile with the bank. One afternoon, I decided to follow one of the links, just to see what the scam artist was doing. As suspected, when the page opened there was a simple form. It asked for my full name (as indicated on my credit card). In addition, it asked for my old password, and provided a space to enter the new password of my choice (How nice of them). It had a space to enter my 16 digit Credit Card Number, and asked for the three digit pin number on the back of the card. I hate to think of how many credit cards this individual may have gained access to with this Phishing Campaign. I forwarded the message to the Bank that was in question. A tip, almost all online businesses have an Abuse department. They can generally be reached at abuse@CompanyName.com. Money Laundering Scams
These individuals will generally target high dollar items that are for sale. This includes Automobiles, Boats, Campers, and Motorcycles. High dollar items are an easy way to launder a large sum of money. In addition, titled property can be sold in the future for a loss, or simply resold. If you have a high dollar item for sale, these individuals will generally provide an, “off the wall,” story about having a substantial amount of money in a foreign bank account. They seem to always mention, “they are from a foreign country”. The potential buyer asks the seller if he or she would accept a bank drawn check from another country. Their offers are generally much higher than the asking price, and may include money for transport services of the item being sold. We have had messages pass through www.Mjmls.com that asked the seller of an item to return a personal check for $20,000 + dollars, as a refund to an over-payment. While their intentions are obvious to most, a distressed seller may be eager to get rid of their property and abide to the launderers offer. In most cases, the seller will find they are in trouble with the Authorities, later down the road. The best way to avoid this is to only do business with individuals that do not make strange requests, and reside in the same country. High Dollar Shipping Scams
In most cases the seller will modestly accept their full price offer. Most people would try and haggle a few dollars off the top. As promised, the seller receives their modest payment for the Automobile, and makes arrangements to transport the Automobile with the, “Approved,” transportation service.The seller’s bank may indicate that the money has been deposited and the funds are available to him or her. Shortly following, the honest seller receives an invoice for the shipment of the Automobile, in the amount of $2,500. He or she pays the bill as promised. The invoices generally require the seller to send the money through Wire-Transfer. This ensures prompt payment for their service. After a few weeks pass, the seller is notified that the Buyers check did not clear. Meanwhile, the seller no longer has the Automobile that was for sale. In addition, he or she has lost $2,500 for shipping the high dollar item overseas. Keeping it safe online
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