Identity Theft Insurance

Identity theft has quickly become one of the largest organized financial crimes. Although we are all targets, few have purchased any type of identity theft insurance. Even though you may keep a large sum of funds for emergencies and short-term needs, one episode of identity theft can quickly clean out your account in more ways than one. It's bad enough that a victim may lose money to a thief accessing their accounts, but then it adds even a deeper blow to the pocket-book when one needs to hire legal assistance to get the problem resolved.

Consumers now have more options for purchasing identity theft insurance. It's important to note that you must purchase the identity theft coverage BEFORE you become a victim of that crime. If you are already in the midst of the mess the coverage will be of no use, at least not this time around.

Some people are not aware that their homeowners or renters insurance may provide the option to purchase identity theft insurance. For example, you may be able to acquire $15,000 of identity theft protection for a mere $25.00 per year - less than the price of a meal at a nice restaurant. Farmers Insurance is one company that offers identity theft protection on their homeowners insurance, but shop around because many other insurance companies offer identity theft coverage as well.

Do some research, and consider your options to acquire identity theft coverage. Whichever route you choose, it's a cheap solution to a potentially expensive challenge.

Chicago Realestate

Thank you for reading our blog! Here's a quick word from one of our sponsors making our blogging possible:

If you live within the Chicago land market or if you are planning to move there, NewCastle Realty Group covers the Northeastern region of Illinois, and has over 20 professionals to assist you. When considering a move there are many things to consider about the area you are moving to.

One of their realtors who can provide you with details on important issues and demographics such as population, school systems, nearby churches, and other points of interest in the Chicago real estate market is Schaumburg Real Estate.

When considering a move to another town, there is much to ponder, and it is best to contact professionals to assist you with getting the information you need to make an informative decision. Other professionals they can recommend are local attorneys, mortgage consultants, and home inpectors. Collectively, they can all work together to handle your relocation needs. So, if you are considering a move to their area, contact them today!

Fake Designer Purses Launder the Money

Do you sell on Ebay? Beware of this illegal scam! It is becoming very common for people to fall into the trap of selling merchandise that is utilized to launder money. A woman had looked into selling some designer replica purses on Ebay. One resource she found responded with this information via email. What are the tell-tale signs of this being a problem?

RED FLAG #1.
The merchandise is not purchased by the seller, but rather sent to the seller as "gifts" from overseas to sell.

RED FLAG #2
The seller collects the funds from the auction proceeds and forwards 70% through Western Union to the crook overseas, thereby laundering the money the crook purchased the handbags with. Crooks don't have a problem giving up 30% to get dirty money cleaned.

RED FLAG #3
Not a great way to earn extra cash unless you're planning to be on the run from the Secret Service and the FBI once they catch up to your involvement in money laundering. Dirty money always needs to get cleaned, but you don't want to be involved in the dirty work of criminals.

RED FLAG #4
The middle-man concept is always used to launder money. The main flag is the fact that the organization could sell the handbags on Ebay themselves. The reason they are willing to send the handbags to a middle-man free of charge is due to the fact that they are not looking to market purses, but rather looking for the person to complete their laundering money process.

Perhaps you don't believe the email below is an example of money laundering? Simply go to the FBI or Secret Service website links in our sidebar and research their information. Anytime an operation wants you to resell, repackage or receive funds for some service and then return to them a certain percentage, it is money laundering. Don't get involved unless you have prison time in your future plans! Money laundering supports terrorism, drug dealers and other illegal activity. Therefore, you can bet the authorities will not go easy on someone involved in assisting those individuals or organizations with their criminal activity.

Now that we've already provided the red flags, here's the context of the email the woman received:

The purses are sent directly to you from overseas. They're sent as gifts so you don't have to pay any customs or anything. They're shipped by express so it's really fast. Also, they're shipped in small amounts, like around 2 or 3 purses to start off, maybe increasing to 4 or 5 after a couple of weeks.

Basically, you would be responsible for taking pictures, setting up the listing, answering questions and finally shipping the purse to the winner. The purses are Louis Vuitton replicas.

Once the purse sells, the winner sends you the money as usual. You take your share (30%) and send the rest via Western Union to the overseas supplier (Oh, you also DON'T pay the Western Union fees; its around 20 bucks as I remember, but you DO pay the eBay selling fees.

In my case, each purse usually sold for around $170, so I got to keep around $50 per purse. Once the money is received for the first batch, the next shipment is sent almost immediately, so the faster you send the money, the sooner you can start making more sales. As I said, it's always in small amounts, so its easy to manage, and since you have the money already, there's no risk of losing any money.

Anyways, I think that's all I need to explain. Like I said, its very simple and a great way to earn extra cash. If you want to do this, please let me know ASAP. I'll need your address of where to send them to, and your eBay name that you'll be using. I can have the first bunch sent in about a week.

Trix Rabbit Not So Innocent

Everyone is innocent until proven guilty. In this case the old familiar Trix rabbit has committed a serious crime. Guard your cereal! Caution: Viewer discretion advised.

Legit Business Degree

Several years ago I heard that people could go online and have fake degrees and fake certificates created in order to boost their potential job prospects. Phishy people aren't just those who carry guns and robb people. Sometimes they're just an everyday Joe doing something as stupid as obtaining a fake degree, and for every stupid phishy person in the world, there seems to be a site on the Internet wanting to sell them a fake degree or certificate. With that being said, it is best to provide you with some information on how you can obtain a REAL degree!

If you are seeking a legit place to obtain a real business degree online, you may want to try Capella University, which was founded in 1993. Capella University is an accredited* online university that offers graduate degree programs in business, information technology, education, human services, and psychology, and bachelor’s degree programs in business and information technology. Within those areas, Capella offers 76 graduate and undergraduate specializations and 16 certificate specializations. They currently serve students from all 50 states, and 63 countries. It is a national leader in online education, committed to providing high-caliber academic excellence and pursuing balanced business growth. So, if you are looking for a REAL degree with a REAL certificate, they can help you achieve that dream.

*Capella University is accredited by The Higher Learning Commission and a member of the North Central Association of Colleges and Schools, located at 30 N. LaSalle Street, Suite 2400, Chicago, IL 60602-2504, (312) 263-0456, www.ncahigherlearningcommission.org.

Hackers Can't Take All Your Treasure

Since the dawn of the Internet many have become quite comfortable with online banking and investing over the Internet. There are also those who are not at all comfortable with the process of investing online or banking due to potential security breaches from hackers. Some of those people are also the ones who wish to diversify their investments and not have all their eggs within one basket.

If you prefer to not have all your treasure eggs in one institution or you fear the potential of hackers looting your money from your accounts perhaps a more tangible investment is what you are comfortable with.

One form of treasure to invest in is gold bullion, and the hackers can't touch it! Where would you stash your gold? You can purchase gold or other precious metals for immediate personal delivery, or arrange for convenient and safe storage at an independent bank or depository. Buying gold has been recognized for centuries as one of the best ways to preserve one's wealth and purchasing power. Gold bullion is a unique investment, and one that computer hackers can't get to! So if you are looking for something to invest in without having to worry about someone hacking into your account, just go for the gold!

Phishing For YOUR Information

Every angle and approach to get your bank account information, and for people to find others to launder their dirty money is out to get someone if they don't keep a look-out. With the fact that many of the crooks that come up with these ideas are stupid criminals I guess that's why they seem to think everyone else is ignorant too.

Yet another email is now circulating to attempt to capture peoples banking information by claiming you are owed a measly $20.00 and some odd cents. Here is one of the latest scams coming through emails to phish for bank account information. We changed the name of the individual, but of course his name was most likely bogus to begin with:

Attn: CEO/ MANAGER,

I am Dr. Ripoff Man, my office monitors and controls the affairs of all banks and financial institutions concerned with foreign contract payments. (Yeah, right dude, and I'm Alan Greenspan).

I am the final signatory to all foreign transfers of huge funds moving within banks both the local and international levels in line to foreign contracts settlement. I have before me the list of foreign contract payment files, which are due to be transferred to their nominated accounts.

Meanwhile, we identified some of these accounts to be ghost accounts, unclaimed deposits and over-invoiced sum etc. Your name was among the under listed contractors expecting their funds to be transferred into their accounts, on this note; I wish to have a deal with you as regards to the unpaid fund. (Yeah, I'm sure you would like to strike a deal to get someone's bank account number dude, but we aren't all as ignorant as you think!)

I have the file before me and hope the data's are correct and un-tampered unless you reconfirm your banking details for me to properly authenticate them. As it is my duty to recommend the transfer of these surplus funds to the federal Government Treasury and Reserve Accounts as unclaimed deposits.

I have the opportunity to write you based on the instructions I received two days ago from the Senate Committee on Contract Payments / Foreign Debts to submit the List of payment reports expenditures and audited reports of revenues. Among several others, I have decided to remit the contract sum to your nominated account following my idea that we have a deal/agreement and I am going to perfect the paperwork legally. (Well, at least one thing he has right is where he states this whole thing is his idea! And, yeah right, like HE'S concerned about doing things "legally").

MY CONDITIONS
1. The total sum of USD $20.8M will be transfered into your account I will provide you after you have confirmed the transfer of the fund into your account by telegraphic Transfer (T/T), confirmable in 3 working days.

2. This deal must be kept secret forever, and all correspondence will be strictly by private email / telephone and fax, for security purposes. (Oh, yeah we want to be sure to keep this a secret from the FBI, right dude?)

3. There should be no other third parties as most problems associated with such payments are caused by their agents or representatives. (Oh, you mean like by the representatives of the FBI, Secret Service, or a legit banking institution?)

If you AGREE with my conditions, l will advise you on the next line of action and immediately the fund transfer will commence without further delay as I would proceed to fix your name on the Payment schedule instantly to meet the 10 working days. (So, you really think we are all so stupid to believe that you will deposit money into our account once you receive our account information? Maybe if you hang a bigger carrot than a measly $20.00 you'll actually get someone to take the bait).

Dr. Ripoff Man

Chalk another one up for the stupid criminals!

Nothing Phishy About Fish

There's nothing phishy about wanting a good fishy meal, so here's a quick word from one of our sponsors:

For mouth-watering food take a trip on over to La Jolla Cove in San Diego, California and hop into one of the best Italian cuisines in the area featuring fish so fresh it's served within 24 hours of being caught! Fresh from the Mediterranean Sea, and swimming right over onto your dinner plate, their seafood will captivate your tastebuds as you are immersed in bright color schemes and rich Italian music in the background.

Trattoria Acqua is one of the finest La Jolla restaurants you can enjoy. The locals know Trattoria Acqua as the best place for Italian food in La Jolla, and the word is out. There's nothing phishy about that! Take a look at their website. It’s enough to make your mouth water!

Legit Use for a Car Dummy - Buddy on Demand

Have you ever thought it was the least bit strange when you see an inflatable dummy in the passenger seat of someones car? Generally people have done that to get away with using an HOV commuter lane, but here's a reason to use it for safety!

Women worried about driving alone can now get an instant companion to deter road rogues. With the push of a button, the driver is joined by a blow-up male passenger which inflates instantly beside her! The "Buddy on Demand" idea is from a women's car insurance company, one of which provides cheap auto insurance.

That's one good way to ward off any phishy people approaching your car, but just don't expect the inflatable dummy to get out and fight for you. His ego will quickly be deflated!

Work at Home Scam Man

When you are looking for a WAH Work at Home position be sure to check out the company thoroughly before you begin. Never pay to join a program. The only exception would be if there is licensing or certification required by law in order to operate, but those are generally not paid to the company offering the WAH job.

The old standby that you can always rely on for information about a company is the BBB Better Business Bureau. Keep in mind that if they don't have information on a company that it does not mean they are trustworthy. The company may be new and not have anything reported yet, and you wouldn't want to be the first to be scammed, although life doesn't always work out that way.

When you research a business through the BBB you can quickly learn if something is phishy with what they are doing. To see how effective the BBB can be when you research a company or individual, here is a great example. In this example, this man has scammed many people looking for a WAH job. He does so under nearly 30 different company names! Here is the link to the page with the BBB to see the list of companies and names the person operates under. If you have surfed the Internet for work at home jobs some of these names may look familiar, or you may actually be involved and not yet realize that it is a scam.

I hope this information proves valuable to you to protect you from falling for a phishy scam. It all boils down to one main point - do your research first to avoid being scammed by people like the work at home scam man!

Going Nuts? Try Acorn!

All profit minded bloggers need to take a break now and then and provide some space for their sponsors. If you're also a profit-minded individual you will want to take a look at profit optimization services. If your profits seem to be getting away from you, Acorn Systems' software and unique methodology makes elusive profitability information readily available for ongoing cost reductions and profit improvements throughout your business. Their profit analyzer is the leading profitability analytics solution available. You may have discovered that it's time to focus on net profits rather than revenues to take your business to the next level, so stop driving yourself nuts and try Acorn today!

Is it Just a Phishy Story?

Now that Christmas will be here before we know it, how many of you are looking forward to your kids making out the Christmas list? Are you ready to send the list to the elves in the North Pole? So, just how much of the St. Nicholas story is really true? Here's some information and you can decide for yourself. In the meantime you'll also get a great gift idea, so read on.

How did the kindly Christian saint, good Bishop Nicholas, become a roly-poly red-suited American symbol for merry holiday festivity and commercial activity? The first Europeans to arrive in the New World brought St. Nicholas. However, St. Nicholas had a difficult time during the 16th century Protestant Reformation which took a dim view of saints. Even though both reformers and counter-reformers tried to stamp out St. Nicholas-related customs, they had very little long-term success; only in England were the religious folk traditions of Christmas permanently altered.

Because the common people so loved St. Nicholas, he survived on the European continent as people continued to place nuts, apples, and sweets in shoes left beside beds, on windowsills, or before the hearth. Now, I don't know about you, but who wants to eat out of someones dirty shoe?

After the American Revolution, New Yorkers remembered with pride the colony's nearly-forgotten Dutch roots. John Pintard, influential patriot and antiquarian, who founded the New York Historical Society in 1804, promoted St. Nicholas as patron saint of both society and city. The New York Historical Society held its first St. Nicholas anniversary dinner on December 6, 1810.

John Pintard commissioned artist Alexander Anderson to create the first American image of Nicholas for the occasion. Nicholas was shown in a gift-giving role with children's treats in stockings hanging at a fireplace.

Fighting Animation Crime

When it's time to fight back crime you might be able to learn a few tips from this hilarious and clever animation that takes control of his creator.

Get Away From it All

Our world can be quite a stressful place when you have to constantly be on the look-out for criminals and thieves trying to dive into your pocket-book. So here's a quick escape from reality that you can take while you plan a way to get away from it all!

Take a moment and imagine locating the best Hawaii Vacation Rentals you can find. When you visit the Hawaii Vacation Rental website featuring premiere Hawaii resort and ocean front vacation homes for rent, you can find a place to go on either the Big Island , or Maui.

For example, Hale Nani Loa Maka, the Kolea Villa, is a penthouse located at the Waikoloa Beach Resort. One of the finest condominiums in all of Hawaii, it offers a gourmet kitchen, an extensive collection of Hawaiian art, and outstanding views of Anaeho'omalu Bay and Kileaua.

You could also consider a location so close to the ocean that you can frequently feel the spray from the ocean as waves break against the coastline! So go ahead and select a Hawaii vacation rentals to meet your every expectation and give you the luxury, convenience and comfort not found in most other vacation rentals or standard hotels!

Money Launderers Anticipating FBI Involvement

Another crock of crap has seeped through the cracks in the Internet! A lady looking for a work at home position was approached by an offer through email, which is shown below. Please note that we changed the company name prior to posting this. Here again, the crooks are phishing for someone to launder their money, although this one is quite humorous in that they inform the person, "The FBI will surely be interested and get involved." Well, at least this time the money laundering criminals have something right! Sure, why not tip off the ignorant that the FBI will most likely get involved. I think they cancelled their own phishing trip with that statement! What do you think?

EMPLOYMENT OFFER!!! OFFICER REPRESENTATIVE NEEDED
Date: September 07, 2006 Job Type: Full Time Work From: Home

Description:

NAME CHANGED TEXTILE LTD

I saw your advert on the web for employment and will be so glad to have you as our agent if you're still looking for job.

We need someone who would be helping in receiving payments from our clients in the States. An agent who is responsible and reliable that will be handling the payment aspect. The payment will be addressed and sent to you and all you need do is to get it cashed, deduct your percentage and wire the balance back to any of our accountants lawyers in our regional warehouses. The problem we have is getting someone that is really capable and trustworthy as though we surely have our way of getting anyone that tried to get away with our money. The FBI will surely be interested and get involved.

This offer is not going to cost you any amount because all you need to do is to receive payments which will be sent to you via delivery courier from our clients, which would come in form of a money order or check get it cashed and send the cash to our accountants and lawyers via MONEYGRAM MONEY TRANSFER OR WESTERN UNION MONEY TRANSFER, and required charges for all transfer should be deducted from the money. Please indicate your interest and reply to us at namechanged@namechanged.com


Requirements:

1. FULL NAMES

2. CONTACT ADDRESS INCUDING PHONE/FAX NUMBERS,

3. OCCUPATION/POSITION.

4. AGE/SEX OR SEND US YOUR RESUME

5. BANK NAME

Compensation:

- Basic salary of 60,000 United States Dollars per annual (Negotiable, i.e., 5,000.00 USD monthly) and

- 4% bonus on total sales of company products quarterly upon sales office establishment at the end of year,

- Plus 10% commission on proceeds made to you on behalf of the company by our customers/clients via your regional sales office


Like me, you are probably laughing at their comment in regards to needing to find someone that is "trustworthy," and their comment about the FBI. Chalk up another one for stupid criminals.

Cash Back for Online Shopping

Now here's an offer that is not something phishy, plus it operates to support charitable organizations. With online coupons this Internet retailer gives consumers cash back every time they shop online. They announced the fact that members can automatically donate the cash back they earn by shopping, and have the funds provided to their favorite charity!

Consumers can shop at more than 800 stores including Barnes & Noble, Office Depot, Circuit City and Target, to name just a few. Members also save an average of 5 percent on every purchase at participating online stores, and up to 25 percent at some stores. So why pay retail? It's so easy, that CNN says using Ebates is a "No-Brainer!" With the latest online coupons and hottest deals on the web, you'll never pay full price again.

What Will the Crooks Think of Next?

Money laundering has become quite a successful crime thanks to the Internet. It's too bad the Internet has become such a breeding ground for illegal activity, but it is no surprise since our world is filled with crime.

Here's a tip for what to watch for if you are selling a car or other item. Keep your eyes and ears open to recognize money laundering scams when you are selling merchandise. The quick characteristic to recognize their scam is their desire to send you more money than the asking price along with a request that you return the excess to them with a money transfer.

The other day a young lady placed her car up for sale and quickly received an email from a potential buyer. Fortunately she had the wisdom to recognize the signs of the money laundering scam within the email. Here is the email she received from the criminal:

HELLO

The reason I am sending you this email is to make final confirmation and also to let you know that payment will be by Check. In view of this I need you to email me any information that may be required to send the Check, as I do not want to send the Check to a wrong location lest they gets into the wrong hands, so i am sending you the amount of {7,000} and so when the check get to you you are to refund the amount of {4,750}.

Regarding the shipping, I have a company that takes care of the pick up of my consignments for me and ship to my destination anywhere in the UK, you do not worry about shipping, the company will send down a representative to arrange the sales documentation and the pick up from your end for onward transfer to my destination.

I also want to alert you on the fact that you will be receiving an overdraft Check,which will cover the money for the pickup (pickup and shipping to the final destination,with testing charges) as well as the money to be paid to the company that will take care of the pickup and the documentation with you. So please, as soon as you receive the Check, go and cash it immediately, deduct the money that accrues to you, and send the balance to the Head Office of the company that handles the shipment in UK via the nearest Western Union agent in your area. Deduct the Western Union charges from the balance and send the remaining to UK immediately.

The Check will be in your name to make it easier for you to receive payment, deduct your money and send the balance via Western Union as regards my earlier direction, please reconfirm your details one more time.

I will give you the details of the company that you will send the balance of the money to in Canada once I get a reply and agreement that you will send the money to Canada via Western Union money transfer immediately you cash the CHECK, Once the money is received by the agent in UK, the shipping agent will contact you immediately to arrange the documentation as well as the pick up immediately. So in view of the above, here are some of the details I will need for final issuance of the CHECK to you:

{1}FULL NAME:
{2}STREET ADDRESS:
{3}CITY:
{4}STATE:
{5}COUNTRY:
{6}ZIP CODE:
{7}PHONE NUMBER:

Once you get back to me with all the above, the CHECK will be issued out immediately and it will be sent to you. Hope to hear from you immediately.


What will the crooks think of next to launder their money? Be sure to check our other articles of information regarding money laundering. Remember, you never want to get involved in receiving funds from a scammer because crime doesn't pay!

Take a Break Today!

Time to take a quick break from one of our sponsors! Consider taking a couple days off to take a much deserved break from the day to day hassles of life. Treat yourself to a relaxing little getaway to a fun new destination. With package pricing, you can’t afford not to! For Discount Vacation Packages Fairfield Getaways offers weekend getaways, family vacations, and travel packages that include hotel accommodations and extra goodies to top destinations. Book your package today!

Halloween Candy Thief

Now that we are approaching fall, Halloween will soon be here. When it arrives, many families will have a candy thief in their home. Guard your candy wisely little ones! Your mom and dad are going to sneak into your candy, and spare you from the sugar blues. Better hide your candy or the thieves may be sneaking around at night to find it! The candy thief video below will show you what to watch out for.

Are They Plastic People?

Getting a new face is about much more than just looking younger. For some individuals, it could be part of acquiring a new identity. Perhaps the individual witnessed a significant crime, and was given a new identity through the witness protection program. I don't know about you, but if that were me I would want much greater protection that just a new name and relocation. Have you ever wondered if those individuals had plastic surgery? Imagine starting a new life with a new identity and a new face.