FTC Names Its Dirty Dozen: 12 Most Likely Email Scams

Written by Richard A. Chapo

Continued from page 1

The scam: If these systems worked, wouldn't everyone be using them? The thought of easy money may be appealing, but success generally requires hard work.

7. Free goods

Some email messages offer valuable goods-for example, computers, other electronic items, and long-distance phone cards-for free. You're asked to pay a fee to join a club, then told that to earnrepparttar offered goods, you have to bring in a certain number of participants. You're paying forrepparttar 146606 right to earn income by recruiting other participants, but your payoff is in goods, not money.

The scam: Most of these messages are covering up pyramid schemes, operations that inevitably collapse. The payoff goes torepparttar 146607 promoters and little or none to you.

8. Investment opportunities

Investment schemes promise outrageously high rates of return with no risk. Many are Ponzi schemes, in which early investors are paid off with money contributed by later investors. This makesrepparttar 146608 early investors believe thatrepparttar 146609 system actually works, and encourages them to invest even more.

The scam: Ponzi schemes eventually collapse because there isn't enough money coming in to continue simulating earnings. Other schemes are a good investment forrepparttar 146610 promoters, but no for participants.

9. Cable descrambler kits

For a small sum of money, you can buy a kit to assemble a cable descrambler that supposedly allows you to receive cable television transmissions without paying any subscription fee.

The scam: The device that you build probably won't work. Most ofrepparttar 146611 cable TV systems inrepparttar 146612 U.S. use technology that these devices can't crack. What's more, even if it worked, stealing service from a cable television company is illegal.

10. Guaranteed loans or credit, on easy terms

Some email messages offer home-equity loans that don't require equity in your home. Usually, these are said to be offered by offshore banks. Sometimes they are combined with pyramid schemes, which offer you an opportunity to make money by attracting new participants torepparttar 146613 scheme.

The scams: The home equity loans turn out to be useless lists of lenders who will turn you down. The promised credit cards never come through, andrepparttar 146614 pyramid schemes always collapse.

11. Credit repair

Credit repair scams offer to erase accurate negative information from your credit file so you can qualify for a credit card, auto loan, home mortgage, or a job.

The scam: The scam artists who promote these services can't deliver. Only time, a deliberate effort, and a personal debt repayment plan will improve your credit. The companies that advertise credit repair services appeal to consumers with poor credit histories. Not only can't they provide you with a clean credit record, but they also may be encouraging you to violate federal law. If you follow their advice by lying on a loan or credit application, misrepresenting your Social Security number, or getting an Employer Identification Number under false pretenses, you will be committing fraud.

12. Vacation prize promotions

Electronic certificates congratulating you on "winning" a fabulous vacation for a very attractive price are amongrepparttar 146615 scams arriving in your email. Some say you have been "specially selected" for this opportunity.

The scam: Most unsolicited commercial email goes to thousands or millions of recipients at a time. Often,repparttar 146616 cruise ship you're booked on may look more like a tug boat. The hotel accommodations likely are shabby, and you may be required to pay more for an upgrade. Schedulingrepparttar 146617 vacation atrepparttar 146618 time you want it also may require an additional fee.

In Closing

Don’t check your common sense atrepparttar 146619 door simply because you are surfingrepparttar 146620 web. If it seems to good to be true, it is. Don’t fall victim to these scams.

Richard A. Chapo is a business lawyer with SanDiegoBusinessLawFirm.com - This article is for information purposes only. Read more business law articles to help your business.

Hackers And Hoaxes

Written by Trina L.C. Schiller

Continued from page 1

Well, I contacted my go-to guy, Jim Gray, owner of Quikonnex, and asked him what his thoughts were. He told me to openrepparttar ini file, in Notepad, and read it. Sure enough, this file did have an association to another program on my system. It is part of ActivEbook Compiler. It was right there in print, atrepparttar 146504 top ofrepparttar 146505 file.

Now had I just freaked out when I foundrepparttar 146506 file, and deletedrepparttar 146507 booger, I would've trashed my ebook compiler, making it useless to me. Two points forrepparttar 146508 hacker who startedrepparttar 146509 hoax!

Hoaxes are just as dangerous as live viruses, because they inspire you to destroy your own programs. I am sure they are a particular kick forrepparttar 146510 one startingrepparttar 146511 hoax, as they are getting you to do bad things to your own system. Fear is a powerful motivator, and hoaxes, by design, are created to cause panic and fear inrepparttar 146512 less experienced Internet traveler.

So, before going and deleting files from your hard drive, go check them out. Do a search for them and readrepparttar 146513 information you find. Don't just go deleting things without learning about them first, or you just may end up cutting your own throat. And, NEVER forward these types of warning emails to others until you know for a fact thatrepparttar 146514 information is correct, or you're likely to have your friends and family after you for misinforming them.

Resources for validating virus/ hoax information:





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The Trii-Zine Ezine


Trina L.C. Schiller is the publisher of the "Trii-Zine" and owner of http://www.tlcpromotions.net, a founding publisher at http://www.quikonnex.com, and President of http://www.AdsOnQ.com. She has also authored the following ebooks: "Your Beginner's Guide To Syndication" http://www.ads-on-q.com/booksales.html RSS, Blogs and Syndication... The Facts vs The guruese" http://www.ads-on-q.com/RSS.html

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