Car Accident & Insurance Fraud

There's much more to road rage than most really stop to think about. Insurance fraud is often the motive behind the road rage driver. There's big money to be made with insurance fraud and there are organized insurance fraud rings that make a living at it.

Insurance companies are much wiser now in regards to staged accidents, but have you armed yourself with any information on how to avoid becoming a victim of a staged accident? Your car just may be the next target for one such scheme, but if you are armed with some basic information you may be able to avoid it.

One trick used by insurance fraudsters involves them targeting large vehicles such as semi-trucks. That's one big rig you don't want to get tangled up with on the highway. Here are some tips to help keep you safer on the road, and these tips may also save you from becoming a target from an insurance fraudster.

Stay out of a truck's blind spots or "No Zones." Actually you want to be sure to stay out of everyones blind spot!

Do not swerve in front of a truck or cause the driver to come to a sudden stop. Give trucks plenty of room.

Do not cut off a large truck or passenger bus. Some individuals have been killed by being too close to a truck by cutting them off, and getting rear ended. Others have become a victim of the insurance fraudsters by getting sandwiched between trucks! So stay clear of the big rigs, and leave them plenty of space!

Those are just a few tips to keep you safer on the road. But, what about your teen driver?

Be sure your teen driver is aware of the games people play, and make sure they don't get caught up in them. For teen drivers, GEICO added "Teens and Trucks" to its online library of safe driving materials. The brochure, developed with the American Moving and Storage Association, includes valuable information for teens on how to safely share the highway with large trucks.

Teens aren't the only ones needing access to that type of information. That's why provide educational materials at no cost to families, driving classes, law enforcement officials and state agencies. Play it safe by driving defensively.

Pay Off Your Christmas Debt

Now that Christmas is once again behind us are you able to pay off the debt quickly? Best case scenario is to not have acquired any debt for the holiday, but for most that isn't the norm. If you're a blogger, here's one way you can help reduce your debt!

Surf on over to Blogvertise and check out their program for bloggers! If your blogs qualify you can post some of their advertisements and have an opportunity to earn some extra cash from your writing efforts. It just might be enough to reduce your holiday debts, or pay the debt off completely!

Although it's not difficult to qualify with their service, be sure to read the rules of the road before you get started. Once your registration is approved they will send you offers through your email account with the instructions on what you are to write about and the url's that must be included in the post. Your obligation is to provide a post with at least 50 words and the post must remain published on your blog.

So go ahead and surf on over there and see if you qualify as a publisher for Blogvertise! It just may be what the debt doctor ordered.

Should You Lend Your Good Credit?

If you're in the position to lend someone money you may also even consider lending your good credit, but is that a good idea? A popular, yet not new trend called "piggybacking credit" is not a good idea. There are numerous online companies offering individuals with poor credit the ability to increase their credit score for a fee. So, how does it work?

The companies charge the individuals a fee for increasing their credit score. Their score is increased by utilizing the piggyback method. The person with poor credit is added to a credit card account as an additional user. The credit card account belongs to an individual with good credit. The person with the good credit is paid a fee for allowing the other individual to be added to their card, but the person with the bad credit is not given a card, nor are they provided the name of the individual who added them to their account.

Sound phishy? If it doesn't it should! Although you may be willing to add your young adult child to your credit card account for them to gain a better credit standing, why would you risk your good credit for a stranger?

The companies that are promoting the "piggybacking credit" method claim it will not harm the credit of the individual who is paid to add another user onto their card, but is that really true? I say they are wrong!

The first obvious point of concern is the fact that the individual with the good credit must surrender proof of having a good credit standing. This of course means they are going to surrender their credit history to the company promoting the piggybacking strategy. I don't know about you, but I want to protect the confidentiality of my credit history, not provide the history to a third party at any time it is not necessary!

The second point of concern is the fact that the companies promote the thought of paying the individual with good credit x amount of dollars for each user they add to their cards. So, that means the more credit cards the person takes out, the more they potentially can be paid. This strategy is a very dangerous one with a slippery path for damaging the individual who had good credit to begin with. For each credit card or open account one has it lowers ones FICO score. So, why would one with a good score want to risk lowering it in order to establish more accounts so they can get paid to add more users? This is NOT a smart way to make extra cash, and in the long run lending your good credit will most likely do nothing but harm you.

It may also be just a matter of time for ones credit to be dinged for every additional user that is established on their accounts. That would seem to be a good strategy in order to protect the lenders who rely on a credit score established the honest way.

Essentially an individual who establishes good credit through the method of piggybacking has done so in a seemingly fraudulent manner. With the piggybacking credit method, it seems the mortgage industry is not only potentially defrauded by those who practice piggybacking, but also by the credit rating agencies who allow ones credit to be boosted by piggybacking strategies.

Phishy Work at Home Scam

Another ebay scam to bait someone has been born! A lady was seeking offers for work and came across an offer on Craigs List. She then received an email back from the party. Scams are often hidden beneath a large amount of fluff, and other explanations in an attempt to make them sound legitimate. This one on the other hand didn't waste anytime to scream "scam" right from the very first sentence!

If you get this one run as fast as you can to the nearest exit, and report them to the proper authorities! Here's the scam email, which read:

Hi! Thanks for the interest. This job is basically you loaning your ebay and paypal account for us to sell products. We sell beauty products. We do all the listing, selling, customer service, and shipping.

So because we are listing on your account, we must have access to ebay and paypal. We need access to ebay to communicate with customers, see items sold, list products, etc. Same goes for paypal, we must have access to withdraw funds to our bank account, see who paid and for what items, and communicate with customers.

And in your head right now, you are probably thinking SCAM! SCAM! SCAM!. Please, DO NOT jump to conclusion, I assure you that it is NOT, it's REAL, I'm paying you monthly for using your accounts. That is, $300 a month. All your information is safe.

Actually I'm the one taking the risk here, as I will have money go into your paypal account. You're probably wondering why I don't just open an account myself. We'll, I can, and I do have an account. But I want more accounts, this way I can sell more and get more customers. Just like owning three restuarants versus one in a single town. eBay limits one account per person.

I know your concern is your ebay and paypal bank and credit card information, but I assure you that all your info is UNTOUCHED. All fees incurred on the ebay account will be paid even before its due via the paypal account.

We currently have other ebay members loaning us their accounts and if you are interested in seeing what we sell or have more questions regarding this job, contact us via instant messages: My AOL/AIM is: "name changed"

It's rather ironic the crook attempts to comfort the person to believe that it is not a scam! Yeah sure - no scam at all in that they want to access your ebay and PayPal account! Jeesh, I guess the scammers think we all fell off the turnip truck yesterday!

I think one of the most humorous statements was, "I want more accounts." Yeah, no kidding - that you can use fraudulently!

Check Out this Blog!

If there was ever a blog you will want to check out, it's the one that will tell you how you can earn money blogging! Should I keep it a secret or let you in on the news? You may have already heard the latest buzz, but then again maybe not!

Well, what do you think? Should I tell you or leave you in suspense? Gee, I love a good mystery so maybe just leaving you in suspense would be sort of fun!

Okay, I'll be nice. Here's one of the best! The PayPerPost blog will guide you in the right direction for viewing their fun videos, getting the latest scoop on how their program works, and oh - I can't forget the best part of the secret! Making money online! Did you hear that? Boost your earnings online now by surfing on over there right now! I'll see you there!

Party Line

Depending on your age, this topic may bring back memories for some of you. Do you remember the old residential phone service referred to as a Party Line? If you're not familiar with the term Party Line, or if you need a memory jogger, it was a less expensive way to have phone service in that you shared your phone line with another party, hence the name Party Line.

Party Lines were anything but private, and certainly were not secure if you were going to discuss any personal financial information. When we were younger my husband and I had a party line to reduce our phone bill, but we quickly became disappointed with the concept. It wasn't worth the meager savings on our phone bill.

Essentially here's how it worked: Although you had separate phone numbers you would share a line with another residential party. To make an outbound phone call the first step when you picked up the receiver was to listen to see if anyone else was on the line. Common courtesy would say if there was someone on the line then you would quickly and quietly hang up, and then attempt to make your call later.

It seems we are no longer living in an era where common courtesy is the foundation of communication, and a Party Line relied on the participating parties to utilize common courtesy, so I doubt they exist much today.

While engaged in a conversation on our Party Line if a person did not have respect and common courtesy they could have easily ease-dropped on our conversation, and learned much about our private lives. I don't know if that ever happened when we had our party line, but the entire concept quickly became annoying since we could not access the phone whenever needed, or when we wished to.

If a Party Line were available today, would you get one? Most I'm sure would reply, "No way!" If you are someone who would not want to share a phone line with another party, and risk your conversation being heard by a perfect stranger then you may want to re-think what is occurring when you communicate with the technology of email.

Although most think email is private, the fact of the matter is that it is not. Each time you send an email you are in affect sending the message across a huge party line, as it can become accessed by anyone who has the knowledge or the tools to hack and read your email.

If you don't like the idea of another party accessing or reading your email, which you may have thought was private, then you may want to consider encrypted Internet mail, which provides you with privacy. Email is not much different than an old party line, and just as a party line lacked privacy, so does email.

Money Making Opportunity That's Legitimate!

Earning extra cash online has become a necessity for some, and once everyone spends all their cold hard cash on Christmas, and the holidays earning even more will become essential for some.

Here's a great opportunity for anyone with a blog to cash in on, and it's a legitimate company! With this opportunity you can safely dive in and also know you will be paid! I know first hand from experience. PayPerPost has been a great opportunity for me so it's only natural that I should share the information with you!

Are you ready to make some of that blogging money? Don't waste any more time with signing up! Now you can earn money in more than one way with PayPerPost!

You may already know you can post ads and be paid for them, but did you know you can also earn money through their affiliate program for referrals? Since they offer a legitimate opportunity there is no time to waste on cashing in on it! Surf on over to find out how you can earn blog money!

It Takes Two to do Money Laundering

One form of illegal activity that relies on the participation of more than one individual is money laundering. With the information age and Internet technology at their hands, money laundering is accomplished much easier than in the old days, but it still requires more than one person to do the dirty laundry.

Crooks are recruiting the ignorant to do the task for them and probably paying less than they did in the past to get it done. Now there are those who are attempting to outsmart the crooks, but in the process have become a crook themselves.

One example is a story of a fellow who figured he had outsmarted a crook that got him involved in money laundering. The crook sent the individual money using PayPal. The individual waited for the PayPal verification to confirm he indeed received the monies.

As per the crooks instructions he was supposed to forward all of the monies to the crook through Western Union, less the agreed percentage. Not wanting to comply he transferred the funds from his PayPal account into his own bank account, and then he closed his PayPal account. He never sent the crook the monies through Western Union. So, who is the crook now?

The fellow thinks he outsmarted the crook in that he now has all the money. Problem is, his assumption has major flaws in it, and he is now left holding the money bag which will be traced down by the authorities.

Moral of the story? Attempting to outsmart a crook by receiving funds from them and then closing your account might keep the crook away if he doesn't know where you live, but it won't keep the authorities from busting down your front door! The best way to outsmart a crook is to first off not get involved, and secondly report them to the authorities!

Hired to Sell on Ebay?

Be cautious if you receive an email from another ebay member wanting you to sell merchandise! If it was an offer solicited to you when you were not seeking to sell for someone then it will most likely not be a legitimate offer, but instead a front for illegal activity such as money laundering.

Recently an ebay member received a solicitation from another ebay member to sell for them. This is what she experienced:
I sell things on eBay once in a while and a couple of weeks ago someone sent me an email on eBay asking me if I wanted a part time job helping out with their eBay business. So I applied for the job and I got it.

What they want me to do is deal with customer questions during the auctions and accept the PayPal payments into my PayPal account when the auction is over. Then I keep 10% of whatever the item sells for, and send the rest on to them. They are selling high dollar items like tractors and lawn equipment.

It's a good thing this gal came to her senses and realized this situation is a scam and decided to not get involved. Since she submitted an application for employment, hopefully she also did not provide them with any private information like her social security number to enable them to steal her identity.

In that the crooks wanted her to use her own PayPal account, and then turn around and pay them all the proceeds except for 10% they would not only commit money laundering, but also would probably not deliver any merchandise to the buyer. She would have been stuck as the responsible party for refunding the defrauded buyer. That's also not to mention the fact that she could have potentially subjected herself to a money laundering conviction, and thrown into the slammer.

If it smells phishy, 99% of the time it is, and situations such as the example above should be reported to the auction site the crooks were using for their fraudulent activity.

Stupid Criminal

We all know there are stupid criminals and often they are the ones who are on drugs, which cloud their common sense. Some of you may have already seen this footage from surveillance cameras.

Things just really were not going in this guys favor and certainly proved the old saying, "Crime doesn't pay!" is true.

Keyless Entry

Have you ever walked up to the front door of your home and tried to use your automobile's remote control to unlock the door to your house? Well, as ridiculous as it may sound I have, and on more than one occasion!

We live in a push button society with many luxuries to make even the simplest tasks easier, such as opening a front door. Each time I've tried to subconsciously use my car remote to open my front door I've entertained the thought of changing the lock over to a keyless type of lock. So, what would the options be I've wondered?

The first option that comes to mind is the keyless numeric pad where you punch in some numbers rather than turning a key. However, after much thought it seems that type of mechanism would really not be better than just using a key, and the appearance of that type of technology is anything but appealing. If it's something that won't make it easier to open the door than using a key then there is not much sense in converting over to a different type. Turning the wheels in the brain once more to reconsider the possibilities I have to wonder what the other options just may be?

Of course one other important consideration is the fact that whatever the type of mechanism is that I would choose, it would need to provide effective security for my home as well. There would be no sense in replacing security with convenience when it comes to using a keyless entry.

Technology has finally caught up with the James Bond movies! Did you know you can finally purchase a fingerprint door lock for your home? That means all we would need to open our front door with would be our finger! No keys to hunt for or to try to use with our arms full of groceries! The technology is also available at an affordable price too!

Although I've never lost my keys the convenience of not having to grab for keys is certainly appealing when returning with bags of groceries in my arms. I suppose the down-side though is what James Bond would have perhaps feared - someone cutting off his finger to open the door!

Gift Card Fraud

As we head into the season that is supposed to be a joyful one, here is a tip to help you keep it that way. Are you planning to purchase gift cards for your loved ones and friends? Read on to learn about a fraud warning in regards to the type of gift cards which can be redeemed online. This is not applicable to the type of cards that are only redeemable inside a store.

Thieves are now stealing the numbers from gift cards, which can be redeemed online. They then check online to see when the card has been activated by the rightful owner. If the thief is quicker than the actual gift card holder they cash in on the use of the monies toward their own online purchase!

In light of this type of fraud I would hope the stores would require these types of gift cards to be purchased only from the customer service person at the counter. Of course whose to say they are always honest as well.

I received this warning in an email and I decided to research if it were true, and it has been confirmed.

If you would like to learn more about using gift cards, which offer more options for your recipient, take a look at this article called, "A Gift With Options Attached", from Susan's Spa. Happy Holidays!

Micro Manage Your Microwave

If there was ever an appliance that one would think operated in a rather phishy manner I would have to say it's a microwave oven! Of course kids have also gotten themselves into trouble with microwaves as well.

A bit off topic from my normal subjects, but I couldn't resist to share my microwave story. I purchased my first microwave in 1979. Now you are probably wondering how I remembered the date so well, but that's another story for another day.

The first microwave I purchased was a mega beast! It was huge! The bigger the better, right? Not so these days, but none the less that was the thought back then before electronics scaled down in size.

So, what to cook? I thought, "Hey, I could do a toasted cheese sandwich!" I grabbed two slices of bread and tossed them into the toaster to get them crisp. Then I spread on some butter and finally the main ingredient, lots of cheddar cheese. Into the microwave it goes. Read the instructions? Nah! No need to do that, right? So I zapped my sandwich and zapped it was! I had set the microwave for two minutes and turned my back. Now as I mentioned, this was my first experience with a microwave so I really didn't know you had to micro-manage a microwave!

The timer went off and my mouth was watering for the cheese sandwich....well - doh! What cheese sandwich? The cheese had disintegrated into a pile of goo oozing out from the bread all over the microwave plate. The fats and oils were separated from the remainder part of the cheese and the bread was like a chunk of leather soaked in oil. Well, okay so much for my cheese sandwich! Next time follow the instructions!

Microwaves have come a long ways and now with more experience I don't have to micro-manage the microwave oven, but it's still a good idea to use a microwave guide! If only I had read the instructions or had a guide like this one back then! They have reviews of various brands, price guides and other useful information if you are in the market for a microwave.

Although the newer ones don't require that you micro-manage them, just be sure to be realistic when setting the timer!

Off on the Wrong Foot

If you are a professional and you receive a companies attempt to recruit you, there is one type of method used for recruiting that is older than the hills and shady at best. I've recently received two such proposals, and in that they started off on the wrong foot with their attempt to recruit me I have to say, "Go away!"

Here's the line that is a true turn-off for a professional to receive, "I have been trying to reach you." Yeah, right and I fell off the turnip truck yesterday! Talk about unprofessional! It's a poor excuse for, "I don't have your phone number but I'll lead you on to believe I've tried to call you."

To add to their unprofessional statement is their approach in general. The letter comes in a plain envelope without a return address, or letterhead. The enclosed note is sloppily written by hand on a small scratch pad piece of paper, once again no letterhead.

Then out of curiosity I decide to call the phone number, which is only accompanied by a first name. A person answers only disclosing the name of the individual on the piece of paper I have received. Then I ask them what company I have called and although they informed me I won't be writing it here. My reply then pretending I'm real ignorant was, "I wonder how they got my name?" Can you believe the person then hung up on me!

Three strikes and you're out I say! First the unprofessional envelope and scrawny piece of paper, then the outright lie trying to convince me that they tried to reach me, and then finally they hung up on me! Get real!

If you are reading this and you are with the company that is using this tactic you need to understand that the only individuals you will be able to recruit are the ones that are as shady as you, which will also mean they will be very unprofessional and not someone a quality client will want to deal with either. End of rant!

The Lemon Car

Every now and then we each run across someone that ended up with a car referred to as a "lemon". Although a lemon for a car can truly mess someones life up, there seems to be some humor in it. I think it has become a common joke that a car which turns out to be a lemon was finished on a Friday just before the whistle blew.

Maybe that's not the case, but either way you look at it I always thought a lemon car scene would have made a good story for a candid camera type of television show. Your imagination could really run with that one... As the person drives the car off the lot to test drive it many strange things could begin to happen as the salesperson attempts to convince the individual that the challenges are normal. Or how about an extreme scene where the front bumper falls off and they run over it getting it stuck under the car.

Many ideas could be implemented if it were just all a joke. Unfortunately it isn't a joke when it really happens and someone gets stuck with a lemon. That's when you really want to be sure you are dealing with a reputable dealer or honest individual when you purchase your next car.

Travel Safety Tips

This is the time of year that many will be loading into the airports to fly out for a family gathering for the holidays. It's easy to get all caught up in the excitement of departing for your trip and arriving at your destination.

Excitement often replaces common sense and can leave us vulnerable and potential victims of crime, especially when traveling to other lands we are unfamiliar with. Here are some quick travel tips to consider in order to elevate your level of safety.
1. Research your destination before you depart. Become familiar with what your surroundings will be like once you arrive, and you may even want to research the crime statistics for where you will be staying. It's better to be cautious than sorry.

2. Don't flaunt your expensive jewelry or other expensive attire. Hundreds of years ago the wealthy didn't wear their fine jewelry when traveling. They wore costume jewelry in case they were robbed the loss would be minimal. Hmm, you perhaps may think that sounds like a paranoid idea, but then again there's much wisdom to be found in doing so.

3. Be sure to have your proper documents with you such as your passport, but be very cautious in regards to where you have it stored between use, and don't have it hanging from a pocket easy to pick.

4. Familiarize yourself with some of the laws for your destination. In some parts of the world you could be in major trouble just by having chewing gum! Huh? Is that real?

5. While doing typical tourist activities like taking photos remain aware of your surroundings and others in your area. Some criminals are just waiting for a distracted tourist to take advantage of.

6. Be willing to take some sound advice from the locals. Sometimes they will share information with you in regards to places to avoid at night or other good safety tips.

7. Be prepared in case your credit cards or debit cards are stolen. Keep the phone number for the card issuer someplace else on your persons in case you need to call and report a stolen card. If your wallet or card is stolen the phone number on the back of the card will not be available!

8. Travel as lightly as possible. The less you take the less your exposure of loss if it should occur.

9. Distribute your cash in various pockets and don't keep it all in your wallet. If you are robbed or in a situation where you are forced to surrender your wallet at least they won't get it all if you have money in your pockets too!

10. If you decide to deviate from some of your tourist activities be sure you plan wisely when doing so. Impulsive decisions often cause us to make mistakes

Security Leak

Where I live we recently had an immense amount of rain along with driving winds. The water can quickly cause damage to something that is not sealed properly, and especially when accompanied by driving winds.

The other day I went to a local bank and noticed they had a black plastic garbage bag taped over their night depository drop box, with a sign on top. I had to laugh at their sign!

If you were told a bank had a leak in security you certainly would not want to subject your personal data to that environment. Although this was not pertaining to a security leak I still had a good laugh reading the sign, which said, "Sorry for the inconvenience, but our night depository has sprung a leak."

Maybe it's just me, but I found that to be humorous!

A Good Work at Home Opportunity

If you're a blogger and you are looking for a work at home income opportunity, with no phishy strings attached, here's a resource that I'm very happy with! It's PayPerPost, which you may have already heard of.

I was asked to post what I love best about PayPerPost. Of course everyones first response is probably the fact that you have an opportunity to earn money from your blog! Offers range in price and you can select which offer pays the best buck for your time, energy and creativity.

The inspiration for new creativity for me as a blogger is one of the best things I like about PayPerPost. When you have offers to select from you can choose which ones are the most appropriate for your blog. For the benefit of my readers, I like to try to stay on-topic as much as possible with my blogs. As I read through their available offers to see which ones I may choose, it will often trigger a memory or provide some other creativity or inspiration for what I could write about!

To sum it all up I like the fact that I can earn a bit from what I post, and that it inspires some new creativity for my blogs! Now don't waste any more time! Go check out payperpost!

The Email Address Harvest

Fall is here and pumpkins and squash are not the only things that are in line for a harvest! If your email address has been published on your website you may already be experiencing the downside of spam, spam and more spam!

Just last week my husband had mentioned that his employer is getting a ton of spam in their email, and they cannot figure out where it is all coming from. They had just recently published a new website replacing their old one, and that was when they began to notice a significant amount of spam. I knew right away what the answer most likely was and checked their website. Yep, sure enough their email was a prime target for a feeding frenzy by harvest hungry spam bots scraping up their newest meal off the Internet -and your email address could be next!

Only a week before this I was posting an answer to a fellows question in a forum. He had requested to have others take a look at his new directory and was wondering how it looked and if anyone would suggest any changes. First thing I noticed was his email address in the footer, which is fine for the human eye, but was it protected from the spam bots? Researching it further, no it wasn't!

In my post back to the fellow I suggested he consider protecting his email address from the spam bots. His response was one of shock! He first of all had no idea there was any such thing as spam robots who scrape and harvest emails off websites. He then stated he had three other websites with his email address posted on them, and never could figure out why he had so much spam! Well, there you have it! Many people do not realize their email addresses can be harvested from a website, forum, or even from your emails itself.

When we are at a greater risk for receiving spam, we are even more vulnerable to having our personal information compromised with malicious codes contained within the emails, viruses and other adware, so protecting your email address on your website is very important.

If you haven't already done so you will want to make your email address invisible to the spam bots so they can't move into your site for the harvest. There is a very easy tool you can use to quickly determine if your email address can be harvested from your website. With this tool, you simply write in the exact url where you know your email address is located, and send a robot to find your email address. When you run the test, make sure you use the exact and correct url. In other words if your contact information is on make sure you use that specific url in your test, not just your home page at

When you conduct the test, if the robot successfully retrieves your email address, then your email address is a prime target for the spammers who send out their robots to do their dirty work. Next thing you know you are receiving tons of spam, and it multiplies, and seems to breed to an overwhelming number each day!

One way you can stop most of the robots is by using a script to protect your email address. Your human friends will still be able to read the email address, but the robots will no longer be able to sniff out a harvest from your website. Although it sometimes is not a 100% effective solution, it will save you significant time from searching through junk mail.

Scale Down to Zero Commute?

The desire for people to work at home is growing, but unfortunately as you know there are many scam artists out there looking to capitalize on the work at home market by marketing programs, and offering them as so called "employment" opportunities. You must consider carefully what offers you may want to respond to, and do plenty of research before you respond!

Although I'm a very optimistic person I have become more skeptical over time in regards to many of the work at home opportunities, due to the amount of fraudulent offers people have to swim through in order to find a legitimate one.

One word of caution is to proceed slooooowly! Don't be too anxious to jump into an opportunity out of desperation for a work at home position. One example where I see this occur often is from reading situations people post in forums. I see it nearly every week where someone is posting a "help me" type of thread in the forum because they desperately need income, and they are looking for a work at home position to quickly commit to. This is where once again a person needs to simply sloooow down. When we are in a position of desperation, that is when we make decisions that are not sound ones, and that is when we become vulnerable to the schemes created by fraudsters.

Consider also if you should depart from your existing employment for a work at home position. You certainly want to be sure you do not leave employment that is bringing in the bacon on a regular basis, in order to take on a work at home position that turns out to be run by fraudsters simply wanting to make money off you, or to do their dirty laundering of money.

In closing I'm sure one major motivation for most people wanting to find a work at home or WAH opportunity is to scale down to a zero commute! Don't you just love that term, "Zero Commute!" I wish I could claim that clever term as my creation, but it belongs to the creativity of a fellow by the name of Chris, who has a work at home blog that you will want to read.

In one of his articles, "Skills that Pay the Bills" he is very wise with statements like, "As a researcher of the work at home marketplace..." Did you hear what he said there? There is much wisdom to be learned from that one sentence of his in regards to stressing the importance of RESEARCHER! You must become a good researcher in order to scale down to a zero commute, so do your homework!

Paying Too Much Interest on Your Auto Loan?

Situation: You went shopping for a newer car and you obtained financing to buy your new vehicle. How do you know you received the best interest rate for your auto financing? Finance managers in car dealers are motivated by commissions just as a car salesperson is! You may have paid more for your financing to help feed the finance manager!

You spent many hours to shop for the right vehicle, so why not shop for your best possible Auto Refinance loan? If you simply accepted the finance package with your car, and didn't research if you could have obtained a better interest rate, now you can check to see if you may be able to save lots of money!

US Treasury Identity Theft Tips Video

This is a very informative video from the US Treasury Department on steps you can take to avoid becoming a victim of identity theft. The video is nine minutes long, but well worth your time, and it just may save you tons of money in the future. If you prefer to view a shorter video on identity theft with information from the US Treasury you can find it here from a prior post.

Calculating Car Crashes

About the only place on the face of the earth that can get away with strange things has to be Hollywood. Anything goes in the world of movies and television and they of course can't stop delivering what the public wants to view.

One of my husbands favorite scenes to watch in a movie are car chase scenes. I'm sure the majority rules with voting for good quality realistic car crashes in movies. Have you ever wondered if the expense of doing a movie covers for those car crashes, or just how much damage do they rack up anyhow?

Some car chases in movies are so over the top that you might find yourself mentally trying to add up the cost of all the wreckage! I'm sure it's one automotive insurance bill you would not want to have to deal with!

If you're curious just how much they rack up with those high speed crash scenes, Progressive Direct, has done the math for you. They teamed up with Universal Studios Home Entertainment to insert a running tally of the destruction into the recent HD DVD release of "The Fast and the Furious: Tokyo Drift." As cars smacked into one another in Tokyo, a display in a small window keeps track: "Roof repair: $209, taillights: $451, fender: $618." Now there's something to think about!

The calculator is labeled "Progressive Direct: Insurance Damage Estimates." Hmm, maybe some of us might need one of those calculators in our vehicles! I'm not so sure if it's really the movie car crash scenes that are over the top, or is it the high tech calculator that is over the top? I'll let you decide which is over the top!

US Treasury Identity Theft Tip

Here's a short but informative video discussing the signs to watch to determine if you have become a victim of identity theft. Be sure to read our "One Step Strategy Against Identity Theft" article for a quick preventative measure against identity theft.

Cancer Successfully Installed

A bit off topic here, but I couldn't resist using this graphic I found so I had to work it in somewhere! There are many things on the market that we humans consume either out of sheer gluttony or due to addiction. Some of the things are purely poisoning our bodies yet we ignore the warnings. I remember all the cigarette advertisements that were on television when I was young, and now they are no longer allowed - good thing, huh?

I believe the tobacco manufacturers are claiming that the amount of smokers has declined over the years, but none the less it's still killing a large percentage of those who use tobacco. If you're a tobacco user I hope you will be able to quit soon!

Perhaps if you consider a rumor we heard when I was young. We told my mother that we heard Camel Cigarettes acquired their name because they were grown in camel crap! Hmm, it didn't motivate her to quit either. Of course, she didn't smoke Camel cigarettes, but we figured the story was worth a shot!

Were You Fooled by Fools Gold?

I was thinking about a childhood memory this evening that I'm sure many of you perhaps experienced when you were a kid. Did you ever get really excited when you found a rock that glistened and sparkled like gold? Did your ego get all puffed up as you began to convince yourself you had struck gold? Suddenly you're about to jump up and down with exuberance as you realize what you found.

I remember getting so excited over those few small golden rocks, thinking that I actually had found "the big one"! But, of course the excitement and giddiness over the event quickly dissolved into disappointment when an older kid or parent would then say, "Oh, you found a piece of fools gold!" and then your response was perhaps like mine, "Fools gold!" What is fools gold?" Wow! Did that ever burst the old bubble to be told I didn't hit pay dirt!

A foolish child I was to actually think I had struck gold! None the less as a kid it was still an exciting moment before learning the truth. I remember wanting so much to doubt the possibility of any such thing as "fools gold" and wanting to claim they were wrong! After all, it was such a disappointment to learn that you really haven't struck a gold mine! Does any of that bring back memories? Who put that fraudulent gold there anyhow? LOL!

Speaking of gold, what about real gold? No Sir, this is not fools gold that we're talking about now, but genuine real gold coins that as a kid you would have bragged to all the neighborhood about! As you know, real gold has always been desired by men of all ages and throughout all times in history.

Imagine if you were to hold not just one gold coin, but instead an entire handful or more of gold coins or bullion! In all ages, man has been fascinated with the beauty and magic of gold, and with its power to change men's lives. Gold coins are available for personal delivery in fractional sizes of ounce, ounce and 1/10 ounce, in units of 20 coins each. Just imagine if you were to present to your children real gold coins as an investment for their future. Even if you didn't know the difference between fools gold and real gold as a kid, you probably know that investing in real gold is never foolish, because it's always a good investment. With real gold in your hands you will quickly remember the excitement as a kid when you thought you found the real thing, but only this time there would be no disappointments, and no one shouting, "Oh, you found some fools gold!"

Email Processing Work at Home Scam

When it comes to making money, greed will always steer a crook into taking money from people. If you're looking for a work at home position, here is one to avoid. The first lesson to learn from this phishy business is the fact they are wanting to charge the telecommuter for training materials. A legit company will never charge their telecommuters money for training materials.

The second red flag with this scam is the responsibilities of the position. They claim they will pay a person $15.00 - $20.00 to process emails, which involves copying and pasting responses into an email. No company is going to pay someone such a high amount of money to process emails when they can utilize an auto responder service to do so automatically, and in some cases for free.

A third red flag is their statement indicating there is no contract to sign, which is most likely because they have no intentions of paying for the so-called processed emails once they've collected the $16.00 from the person for the training materials.

What it boils down to is the fact the person is scamming individuals out of $16.00 for the so-called training materials. Don't take the crooks bait! Cancel their phishing trip by not responding to their email if you receive the following, and better yet be sure to report them to the proper authorities! The email below is exactly the verbiage the crook used, complete with their incorrectly spelled words. The only change is that we deleted their actual email address and their name, which was signed at the bottom.

I just wanted to start off by thanking you for your time and interest in the position. Basically what you would be doing is "processing" emails. This means that when someone clicks on an advertisement they will enter there contact information. you will then receive an email with that information. in the subject line of that email it will tell you what advertisement they replied to. you then look up in your training materials the corresponding reply. you cut and paste that reply into the email and click send. thats it you are done. yes it really is that simple. You will get paid 15 to 20 dollars for each "processed" email. The pay is immediate there is no waiting period what so ever. You are paid to your personal paypal account. If you dont have a paypal account then sign up for one free at you will need the personal account because that one is the free account. therefor you arent charged anything for receiving money.

There is no website i can send you to or anything like that. I am an independent contractor just like you would be. This enables you to chose your own hours. There is no contract to sign you simply work when you want to or when you have the time. Like any legitimate online position there is a SMALL one time fee of 16.00 USD. This is only for administrative fees. All of your materials and training are provided to you. You are not left high and dry. In no way do I want anyone to feel miss lead. This is legitimate, there are no hidden fees what so ever. You may begin work as soon as you receive the materials. there is no waiting period. If you try this you are guaranteed to make money. With your first email you will have already made back your administrative fee.

I was skeptical at first just like anyone else, but i did my research and found that anything you would want to do at home requires a small fee. so i decided to try it, and trust me Im happy i did. I make on average 500 dollars a week. give or take. I figured hey if I could sit in my jammies all day and make money then why the heck not. there is an unlimited amount of work. If you are still interested simply open a paypal account and process the administrative fee. send the payment to scamprocessing@crooksville when you do that I will receive an email from paypal. at that time i will send you all of the information you need to get started immediately. Thanks for your time and have a great day.

We hope this example serves you well to learn by in regards to work at home email processing scams!

Tips to Avoid Phishing Scams

Situation: You're surfing along the Internet and you come upon a website that appears interesting. Perhaps you ended up on the site because an offer for a product, or a potential employment offer lured you there. Or, you may have received an email with a link to a website that you're not sure of. First off, if you receive a link to a site within an email it isn't always safe to click through. By doing so you may have just confirmed for a scam artist that a live body does exist at the email address they solicited.

After reading through their information you discover there are things about their site that just doesn't appear legitimate, and you perhaps suspect them as a phishing site, a front for a money laundering scam or other illegal activity. So, what do you do?

Should you just ignore it? Should you report it? I always vote for reporting it. You should consider who the appropriate party is to report it to such as the websites hosting service, the FBI, Secret Service, or other authorities. If for example it is a money laundering scam it should be reported to the FBI and the Secret Service.

It's never good to contact the fraudsters behind the scenes of the website or email you came across. You will want to leave that up to the authorities, and in fact if you contact the site or email the person directly on your own your actions could possibly hinder an investigation that may already be under-way.

Lastly, here is a site called PhishTank to consider reporting a site if it is involved in a phishing scheme. On their site you can research sites that have already been reported, report a suspected site, and follow-up on what happens to sites you report. It's a great tool!

Just to serve as a reminder to those who have not yet become familiar with phishing schemes, here's some information in regards to what the crooks seek to accomplish by setting up a phishing scam: They will be seeking to gain things such as passwords, banking, or other private personal information so they may gain access to your money, or information to steal your identity. Many phishing scams come through emails and will provide a link to a spoof website, such as a fake ebay or PayPal site attempting to get you to disclose your identity and password.

Be careful as you surf the Internet or as you consider offers within emails. Someone may be phishing to pull you under, and we hope you will be armed with the right information to cancel the crooks phishing trip!

Many Ways to Legally Make Money Online!

If you've been looking on the Internet for ways to make money you have already discovered the long line of fraudsters and scam artists looking to lure you in. We've shared many stories with you about some of the scams out there. We have also shared some legitimate money-making strategies with you and this is one of those we would like to let you know about.

If you're new to blogging and wonder how you can make some money online, or if you don't have a website then this short article is for you! First I'll address one way to make money online if you have a blog. You can receive income by posting advertisements on your blogs, and receive pay for each post where you have presented an offer. One way to do that is through a program offered by USWeb called Blogitive. Their service allows you to make money online by writing Blog postings. In order to do this you will need a blog that qualifies with their expectations, but it is an easy way for you to make money online just by writing!

Now I'll address how to make money online even if you don't have a blog or some other website! That's right, you read that correctly! You would not even need to have a blog or website. If you like to write you could consider becoming a ghost writer. Ghost Writing will be launching from their site soon, and that service will allow you to earn money for writing in general!

Yet another system they are establishing will be called NewsNerve. NewsNerve is a service that you can utilize on your blog or website. The service will display relevant syndicated news headlines, and allow you to earn money from every click that your visitors make.

So there you have it! A full meal deal on various opportunities to make money online.

The Galloping Bridge

Once upon a time there was a bridge, and her name came to be "Galloping Gertie" because gallop she did. Built in 1940 the first Narrows Bridge in Tacoma, Washington was not built stout enough to handle the tough winds she would encounter in the area. Spanning the Narrows of Puget Sound, only 4 months after she was built she collapsed.

On the windy day of her demise, she was violently tossed and twisted as she succumbed to the prevailing 42 mph winds, and finally collapsed into the Narrows. Due to improper engineering the bridge did not allow the winds to pass through it so it swayed, buckled and galloped in heavy winds. As cars crossed the bridges span the drivers would see the cars in front of them disappear as they would drive down into a hill or trough in the bridge created by gusts of wind twisting the bridge like spaghetti. Obviously the bridge was improperly engineered, and ten years passed before a new Narrows Bridge was completed in 1950.

The engineering company who designed the bridge surely cost the city a large amount of cash when she went down. To make matters worse, the insurance agent who wrote the insurance policy on the bridge committed fraud, and he therefore never submitted the premium funds to the insurance company, leaving the bridge uninsured!

Thankfully today technology is far better and bridges are built without a galloping problem. In fact, due to an increase in population there is a second Narrows Bridge being built today, right next to the Narrows Bridge built in 1950.

If you plan to build a bridge, make sure the engineering is top-notch, you have enough funds, and make sure the insurance company has issued the contract before anyone drives across your new creation. Hopefully there will never be another Galloping Gertie!

Woman Really Do Make Better Drivers

Okay guys, for all of you who think woman make lousy drivers, this video proves in this case - you're right - lol. Wow - crazy! So much drama to simply park a car!

Should You Do-It-Yourself?

My husband and I began a renovation of our home years ago. Much of the work we've done has been done ourselves, which has been a significant undertaking. On the other hand much of the work we hired out presented challenges of its own. From our experience, if you are a handy do-it-yourself type of person I encourage you to do as much as you can on your own.

The largest draw-back to doing the do-it-yourself projects on your own, is the time involved, and especially if like most of us you have to work for a living and can't renovate your home full time.

Why do I encourage you to do the work on your own? The number one reason is the significant amount of sweat equity you can build up. Another reason is you just may be more pleased with the work done in comparison to if you hired out the work. There is a substantial amount of self-satisfaction when you know you accomplished it on your own. Another reason why is because you can avoid hiring what can end up being shady characters, and having them in your home. Or, you may end up with carpenters who really can't do any better of a job than you do.

If you are going to renovate your home, do your homework before you begin. If you decide to hire out the work don't always trust that the company with the biggest advertisement is your best choice; as I can attest to a bad experience with that one! If you do hire a contractor for some of the work, make sure it is an individual you can communicate with effectively and ask for references.

Leaning more toward the decision to renovate your home? Are you going to do an extreme makeover? What about entering to win a $50,000 Extreme Home Makeover? Just click on the link below for an opportunity to win $50,000, and if you win you can use the money from the offer to remodel your kitchen, deck, bathroom, bedroom, family room, or any other room!

For home repairs and help with makeover ideas be sure to research what your plans will require before you begin. For some you may be able to accomplish only the easier tasks such as painting, wallpapering, adding decks, and installing flooring, which is fine because the worst thing you can do in a do-it-yourself project is to either bite off more than you can chew, or to hire shady characters to do it for you. Do your research and if you do hire contractors, watch out for the shady ones! Every industry has their fair share of people wanting to take advantage of you.

Phishing for a Laptop

Here's a strange character who tried to get away with stealing a laptop, but the thief chose the wrong place, and the owner of the laptop reeled it in!

Check Out the PPP Forum

Several weeks ago we became a proud member of PayPerPost, aka PPP to the blogging community. They have a great amount of opportunity to offer to bloggers. Prior to joining I surfed over to the PayPerPost forum. I found all the information there quite helpful and inspiring!

Along with alot of other buzz going on in other forums about PayPerPost I finally decided to join. I'm very glad I did! So far I've had alot of fun with their program, but most importantly it is a wonderful way to get some new inspiration for subjects to present to you!

If you're a blogger, go on over and check out their message board and become more acquainted with their services. Like me, I'm sure the forum will enforce the fact that there is nothing phishy about PayPerPost!

Tyra Banks Modeling Fraud Tips

Tyra Banks is on a mission! Tyra helps woman avoid getting taken by a scam artist, posing as a modeling agency. She identifies who the scam artists are and tapes their operations.

For every girl who dreams of being a model there is a person wanting to take advantage of them, either by taking money from the aspiring model, or to convince them to take their clothes off.

If you are a young lady wanting to pursue a modeling career, don't get taken by scam artists phishing for your potential talent with their con artist techniques of persuasion. Take a look at the information available to you on the Federal Trade Commissions site for further information about modeling fraud.

Borrow Money Without a Bank

I thought this was an interesting site for someone looking to borrow or lend money. Generally most people go to a bank to borrow money, but this UK based company unites those who need to borrow money with a private party who has money to lend.

In that their program provides services to members of the network, one can borrow money for far less than what it would cost to borrow from a bank or other typical lending institution.

Other than reviewing some basics on their site, I haven't done any extensive research, so if you are interested in their services do your homework as you would when working with any other lender. On the other hand, if you are looking to lend money, you can research their site as a potential online investment strategy to make a return on lending money.

100 Years Ago Today

I thought it would be interesting to take a look at what happened 100 years ago today. I came across some events, but since we are only one week from elections, here are some facts with what happened 100 years ago on November 1st 1906 to politicians. Since politics often gets phishy, I figured you would like to check out the Political Graveyard.

Take a Trip Down Memory Lane

Here's something for fun to think about. Have you ever wondered what happened to all the drive-through theatres? Is there a strange reason most of them have disappeared? Probably not, in that home theatre has come onto the movie watching scene. But what ever happened to the days of (now classic) cars parked row after row in front of the movie screen?

It's been quite a few years since my husband and I have watched a movie at a drive-in theatre, but one story I recall was when we were trouble-makers in our younger years before we were married.

Now keep in mind this story is from our teen years , and of course like us, most people in that age group do things they are not suppose to do! We had a car-load of us ready to drive into the theatre, but several blocks down the road our friend who owned the car pulled over. This was part of our plan since several of us were going to sneak into the theatre inside the trunk of the car to cut down on the expense. After all you wanted to make sure you had enough money for popcorn and pop, right? So there we were up to something phishy and off to the theatre we went with two of us in the trunk.

We made it through the ticket booth and thought we were home free. However, it of course is not that easy to have two people climb out of a trunk and not be noticed, once the car is parked in front of hundreds of others! Naturally there were many eyeballs focused on the fact that two people popped out of the trunk! So as you have guessed, to bring the story to a close - yes we were caught, and rightfully so! That was one movie we didn't watch as we were commanded to drive right back out of the theatre. No surprise, huh?

Speaking of drive-in theatres, if you are into Street Racing SPEEDtv will be featuring Speed's own "Lost Drive-In" Marathon on Nov 25 at 3pm EST featuring Grand Prix and Rebel Without a Cause". So there you have it, the inspiration for me to take you on a trip down memory lane! One last word, is that I need to mention, "this post sponsored by" to you!

Car Theft Tips

One of the most popular items stolen are cars. New or used, they are a great temptation for a car thief, especially if they are a popular type of vehicle. Some models of cars are a prime target because parts are easily obtained for a chop shop. In fact, some chop shops specialize in just one type of car so they always have plenty of parts on hand to convert cars for resale.

Another method used by car thieves is to trash the car completely, and strip every part of potential value from the vehicle for parts resale. Obviously stereos are very popular, but leather seats and other valuable parts are also a target. Here's a story shared by one of my blogging friends Kathy. She had her car stolen and it was a complete loss. After you read her story there are some quick tips to learn in regards to guarding against car theft.
Some years ago my car was stolen. My neighbor was listening to local police cars and overheard that my car had been found! Apparently there is a few days gap between the time the car is reported found, and the time the police tow comes and tows it to their impound yard.

My poor car was "restolen" before the police could get their tow out for it! They made me call 911 a second time to report it restolen! They of course had never heard of this before, and I had to go through this whole long story a couple times. When it was recovered again it was totally gutted.

Many times when a car is stolen there are theft prevention tips to be learned. Here are just a few tips to keep in mind:
  1. Obviously the first one is to keep your car locked, regardless of where it is
  2. If the car is parked at night be sure to park under a well lit space. Most criminals don't like well-lit areas because they can be seen too easily
  3. Do not leave items inside the car to potentially attract someone to break in
  4. If you have a road-side tool kit inside your car, store it in the trunk. Otherwise, a thief may use your own tools to hot-wire your car
Those tips are just a few steps of prevention one can practice so their car is not stolen. Unfortunately, in Kathy's situation her car was stolen from her own garage! If our motor vehicle isn't safe in your own garage, I don't know where it would be safe! Her situation is one where the theft could not have been prevented, and was certainly a unique situation in that her car was stolen a second time before the police were able to tow it away! Thank you Kathy for sharing your story for the benefit of our readers!

Job Offer Too Good to Be True?

Life on the Internet for a job seeker can be rough. How many times have you looked into a job listing and discovered that it was an offer too good to be true? The Internet has become a breeding ground for fraudulent offers from scam artists, crooks wanting someone to assist them with money laundering or repackaging of merchandise they purchased to complete money laundering. Either way it's become a nightmare for someone looking for a legitimate job offer.

For those of you looking for a reliable site on the Internet that doesn't allow any work at home scams to be posted, here's one to consider! provides listings where employers and potential employees are able to contact one another directly, cutting out any middle men head-hunter companies, and cutting out any scam artists looking for trouble.

The Skeleton Dance

Ready for something just plain silly for Halloween? No grave robbers here, but some unsavory souls from six feet under do come out to play! A classic by Disney, this 1929 Skeleton Dance cartoon will surely shake your bones! Time to take a quick 5 minute break, and enjoy a good laugh with this old classic. Looks like phishy business to me, don't you think?
Kick off your shoes and operate your finger bones a bit on the mouse to hit the play button below. Give those old leg and foot bones a rest, while your back bones chill and your eyeballs take a gander.

So You Bought a Lemon?

Some people are simply prone for bad luck, and even when it comes to buying a car. Have you ever bought a car only to find out that you really bought a lemon on wheels? What could be worse? When we purchase a different car one of the most important goals is to buy something of greater dependability, so to end up with a lemon on wheels is quite a disappointment.

Buying a car is always a major investment, and for most people not one that they can waste any money or time for dealing with a lemon law car that may have been manufactured with second-rate quality and dependability.

If you find yourself to be a victim of a lemon on wheels, don't continue to suck on that sour taste! Learn how to take action and get relief from your sour purchase. Find local lemon law code and law firms, and stop suffering as you try to keep a lemon on wheels running.

Have a Safe Halloween!

If you allow your children to participate in Halloween, have you made plans for a safe evening? Over the years less people have been taking their children trick-or-treating door to door due to safety concerns.

If you're just not sure what to do for Halloween, but want to allow your children to participate in some fun here's several tips on how one mother Susan, provided a safe way for her children to enjoy the evening.

Never take your kids trick-or-treating to a stranger's home when they are young

Only take them to the homes of neighbors and friends that you know

Take them to safe trick-or-treating at a local mall where they allow parents with small children to go store to store for treats.

Get together with a group of moms and have a Halloween party just for the little ones with healthy treats, and easy crafts for them to do.

This way my children were able to share in the fun of Halloween, but they were kept safe.

Thank you Susan for sharing those great tips on how to create a fun and safe Halloween for children! If you would like to enjoy more of Susan's great tips, and other ideas, Susan is one of my blogging friends and her blog is called Susan's Spa. She will pamper you with all sorts of relaxing tips for a stressful life, and give you the latest scoop on all sorts of things.

A Child Predator's Favorite Tool

Attention all parents! Here's a quick tip for protecting your child from potential approach from a predator. I'm sure you are very proud of your child, and love to show your child off. When doing so please keep in mind that there are some ways you may make your child a greater target to unwanted friends, and dangerous individuals.

One of the quickest ways to encourage a predator to prey on your child is by providing the person with the easiest tool for them to approach your son or daughter, in order to gain their trust. What is the tool you may be freely handing out to predators to approach your child? Your child's name! Please think twice before placing your child's name on an article of clothing, backpack or on any other item your child carries or wears in public.

With your child's name publicly displayed a predator can easily gain your child's trust. When they're able to gain the attention of your child by calling them by their name the predator has an instant edge in winning their trust. An individual that is able to refer to your child by name will form an instant bond with your son or daughter, making it far easier for them to sway your child toward trusting them.

Though your child may remember they have their name on the garment they are wearing, in their mind their name spoken by an individual provides them with a false sense of security. So before doing so, please consider the potential consequences of publicly displaying your child's name!

Avoid Mortgage Madness & Fraud

Have you ever found it to be the least bit confusing when shopping for a mortgage, or determining which mortgage broker you should work with? How do you know which mortgage broker you can trust to disclose all the information to you?

In order to avoid becoming a victim of mortgage fraud and abuse, you need to do your homework! Be aware of laws such as the Truth in Lending Act, and know your rights. The Truth in Lending Act is a federal law that was enacted as part of the Consumer Protection Act. This law requires lenders to reveal all information to the borrower and detail all costs associated with the transaction. If the lender is not willing to provide full disclosure to you then walk away from the loan offered.

For example, if you were to sign documents for an equity loan today that would balloon in five years, do you fully understand the potential ramifications of that agreement you are entering into? A good mortgage broker will be willing to explain the details to you as they know they are required to provide you with full disclosure.

If anything less than full disclosure is provided you need to consider asking some tough questions or to walk away from the offer, otherwise you may be subjecting yourself to lender abuse.

Were You Cheated From Signing a Valid Petition?

You know the scoop here on this one: You open your email inbox folder and you discover a friend or family member has sent you a petition. Each time I receive one of those I grumble and I'm amazed at how many submit their name in faith believing the petition to be valid.

If you added your name to one of those, you are not alone. The first time one of those came around I too was fooled by it, but thereafter I began applying common sense to the concept by first off recalling the definition to the word petition, which is: "A formal written request made to an authority." Immediately you are then able to realize the petition is a hoax when in fact there is no authority that the petition is going to and essentially the email is just set up as a chain letter.

Is there any harm done by the individuals who started a petition hoax? I feel they are harmful. If an individual adds their name to the fraudulent petition thinking it is valid, then most likely they would be cheated out of signing a valid petition. For example, if someone started an emailed petition in regards to the subject of abortion and individuals add their names to it, then when the real deal comes along they will perhaps think, "Oh, I don't need to sign that because I already did that through email." If that were the case the individual essentially was cheated from exercising their right as a registered voter to sign a valid petition.

You may be wondering if the person who started the petition was intending deliberate harm. Maybe, maybe not, but the point is they can deceive someone into believing that they have exercised their opportunity to sign a petition, when in fact it was nothing more than a hoax, and more definitive, a form of fraud.

A person may have started a fraudulent petition as their own rant trying to sway others toward their own political view. Worse yet, a person may start a fraudulent petition in order to detract people from signing a valid petition, in hopes their own political agenda would be successful.

What should you do when you receive a petition within an email? I personally think you may want to consider sending it back to the individual who mailed it to you, and kindly inform them that e-petitions are not valid!

There are valid petitions online, which you can add your name to, but they will never be in the form of an emailed chain letter.

This may seem to be a subject of little importance, but you may save someone from being deceived into believing they expressed their rights as a registered voter, when in fact they did nothing more than become a victim of a senseless act of fraud or a hoax, and in turn may have been cheated from signing a valid petition.

Just Trivia

Would you like to find something interesting to read? What about trivia? Everyone likes trivia! You can instantly become the life of a party or put an end to a silent room if you know enough trivia.

For example, you can find trivia on what the odds are for certain events happening to you. One trivia statistic you can learn there is the fact that you have a 7 in 10 chance of becoming a victim to some type of online security breach, and running into unwanted predators online.

There is also an interesting trivia post called, "The Paper Chase - Forgeries for the Masses" where you can learn about fraudulent hoaxes such as tampered documents and literary fraud. So if you're in the mood for some trivia stop on over to their blog!

Are You SURE You Won the Lotto?

How excited would you get if you received a check in the mail informing you that you won the lotto? Most people would get pretty excited and the check would burn a hole in their pocket fairly quick.

Unfortunately there are individuals receiving such a check in the mail along with instructions for claiming the remainder of their prize. Why is it unfortunate to receive a check in the mail informing you of winning the lotto? It's unfortunate because it is most likely a scam, and when many people receive those checks, they get all excited and hopeful over it. Even if their excitement and hope is only for a moment and they realize it's a scam, it's certainly a cruel trick to the emotions.

If you receive notification through the mail of winning the lotto, you should immediately be leary. The various lottery commissions don't notify people through the mail of lotto winnings, but none the less the scam artists send out letters with checks in a manner similar to this woman's experience:

I received a check in the mail for $1750 that is for tax and clearance fee from supposedly the "XYZ LOTTO COMMISSION", and a letter instructing me on how to claim the remaining amount of 163,220.00 by Oct 27.

That is a typical example of the type of letter an individual may receive through the US Mail. If you receive one of these types of letters through the US Mail you will want to take that to your local Post Master and report it to them. Please don't just throw it into the garbage! Scams like this need to be reported in order to help protect others who may actually think the scam is legitimate.

Cashing one of those checks will bring terrible consequences, as well as responding to their offer on how to collect the remainder of the fake winnings. Please help others to not take the bait by reporting it to the necessary authorities.

Catch the Burglar at Night

Is it just me or is there a mysterious appeal to be a private investigator? I'm not a snoopy person but it sure does sound fun. Of course the Internet has changed the scope of things when it comes to digging up dirt on criminals, but there are some things that just can't replace the thrill of hands-on work.

Imagine if you had the right tools and equipment to squash a crooks plans while they're prowling around at night. Would you have to be a super sneaky detective to accomplish that? What if you could temporarily transform yourself into an animal with greater vision like a dog or cat, and be able to see at night?

Okay, we aren't talking Halloween here or the tales of werewolves that are told on such a night. We're talking about night vision! If you were assigned neighborhood watch think of how much more effective you could be with night vision! What a trip to be able to see like a dog or cat at night! Now that would be some super sleuth detective work if you could catch a crook at night. You would be the hero in your neighborhood.

Perhaps you aren't the type to snoop around at night to see whoever you could catch, but either way night vision is a very cool tool to have access to. Night vision could also be something you could carry in your toolbox for out on the road if your vehicle breaks down. If you put your mind to it, the ideas are endless with how night vision could be of benefit. Just be sure to use it in a responsible way.

Auto Anti-Theft Quick Tip

As we approach winter it's easy to make a mistake, which provides a car thief easier access to our vehicle. None of us like to be cold or drive our vehicle without warming up the engine a bit, but we need to remember that a motor vehicle unattended with the engine running is a favorite among car thieves!

Where we live auto theft is not a stranger to our county. We all have to take necessary precautions. If you need to pre-heat your car and engine make sure you have a spare key so you can lock the car while it is left running. Also, make sure it is parked where you can visibly see it until you return to the vehicle. It's nice to have your car interior warmed up before you get in, but if your car is stolen in the process suddenly that luxury of a warm vehicle wasn't such a good idea.

How Some Become a Criminal

For those who wonder just how crime comes to be and how people just suddenly snap, one example is the fact that in highly populated areas some people just can't seem to deal with the simple challenges of life!

Here's a short video that is rather comical, and perhaps is a great example of how some days people just snap! (Sorry, video no longer available online).

Relocation Tip

A new year is approaching and for some it will represent a time for a fresh start. If crime has increased in your community significantly then perhaps it's time to consider a move. Prior to making a move there will be many things to consider. If crime is a major concern for you then be sure to do your research for statistics in the area you are planning to move to.

Another precaution to take is to consider how you will store your household items or motor vehicles if you are moving across country. Moving to a destination that is distant from your current residence presents some unique challenges. Often those challenges require the use of a storage facility of your personal belongings before you are able to access your new home.

Even though you may have access to your new home, you may be faced with a situation that does not allow you to immediately move into your home. In that case it is probably best to place your items in a secure storage facility rather than leaving them in your new residence unattended for too long.

If a moving service or storage is needed your first place to shop could be online with a site such as a Self Storage Directory as it will save you a great amount of time. Consumers can log on and search for storage by city, state, or zip code. They will provide up to four local storage quotes, and give you competitive bids. Their site is easy to navigate, and easy to send your contact information, but only to the companies which you choose. Another added benefit of accessing their site is the information they provide in regards to moving tips.

If you are planning a move, work smart to be sure your belongings will be stored in a secure manner away from the temptation of thieves. Leaving household belongings in a vacant home before you can move in is never a good idea. Especially if you are not yet acquainted with the neighborhood where your new home is located.

Another Puzzling Piece

Are you ready for another piece to the puzzle for the payperpostbluemonster? PayPerPost stated, "This puzzle contains a sneak peak at a super secret PayPerPost program code named Blue Monster." What do you suppose the Blue Monster may be? When will the Blue Monster be revealed and unleashed from his hiding place? If you are into blog marketing you better come back to find out the answer to this mystery!

Motor Vehicle Title Transfer Tip

Title Transfer

Each day we have to work smarter to do a better job of protecting ourselves from thieves and from unfortunate situations. When a person sells their car to a private party there are necessary steps one needs to take after completion of the bill of sale. Although we offer you a quick tip below, if you have concerns or questions about completing the transfer of a title you should contact your local Department of Licensing. Laws and procedures may also vary by state.
When you sell your automobile you need to quickly submit the title transfer releasing your interest to the Department of Licensing. Generally on the bottom of the title transfer form it instructs you to submit the title transfer information within 3 days of the sale of the car. Some people who sell their car rely on the buyer to complete that process, but by doing so the seller of the vehicle is leaving the door open for potential liability.

The worst case scenario would be if the new owner of your old vehicle gets into an automobile accident, and injures or kills another person. When the accident occurred, if your name is still showing as the owner of the vehicle you could be held liable! The same is true if you allow an uninsured person to drive your vehicle or an underinsured person.

Some individuals who purchase a vehicle deliberately don't intend to transfer the title of the vehicle into their name, which is illegal, but easy enough for them to pull off. Therefore, if you as the seller do not submit the proper document to the Department of Licensing, don't bet on the new owner doing that for you!

Here's one example of one such nightmare that a friend of ours experienced. His van was getting old and tired and he sold it to a private party with the understanding that the van was no longer in good running condition. Post completion of the bill of sale, he did not go to the Department of Licensing to get the transfer completed, nor did the new owner.

A month or so later our friend suddenly received notification from a towing company attempting to collect $2,000.00 from him. The reason? Our friend never legally released his interest in the vehicle and now he was being held liable. Apparently the van broke down, and the new owner of the vehicle didn't have the funds to fix the vehicle so he left it parked at the side of the road. It doesn't take long for a vehicle to end up in an impound yard, and someone has to pay the bill for each day it is there! In this case the towing company was contacting who they believed was the owner of the car, and who technically was still showing as the legal owner with the Department of Licensing!

Our friend was able to produce a copy of his bill of sale to the towing company, and fortunately they were kind enough to not hold him liable for the towing and impound yard storage fees. Although he was fortunate he had quite a few phone calls and hours into getting himself out of the mess. He was also lucky that it was only a towing company that he had to deal with. Things could have been worse. For example, if the new owner of the van had been involved in an auto accident resulting in injury or death, our friend could have been faced with terrible consequences.

In summary, be sure to quickly release your interest in your sold vehicle by submitting the appropriate forms to the Department of Licensing. Generally the form to release your interest is attached to the title, and you will want to make sure you tear off that portion before releasing the title to the new owner.

A quick trip to the Department of Licensing may save you from a huge hassle, potential financial liability, and the potential responsibility for the lives of those injured or killed in an automobile accident which you did not commit. Take the time to safeguard yourself when you sell your vehicle!

Puzzling Event

Since it's Friday I'll give you something to ponder just for pure fun. If you are a blogger you probably have heard of PayPerPost! They currently have a puzzle contest going on called payperpostbluemonster where a blogger has the opportunity to post puzzle pieces that are gathered up and assembled to reveal PayPerPost's latest secret! So here's our puzzle piece for you to match up with the others! It's all about blog marketing so be sure to check them out if you're a blogger!

Safety Tips for Your Teens on MySpace

Is it any surprise that sexual predators have found their site of dreams on Myspace? A recent investigation determined with minimal effort, that there are well over 744 registered sex offenders who have found a home on MySpace.

The discovery of the 744 sex offenders on MySpace is only a small handful sampling of how many are actually a registered user of the site, as the study was not completed. MySpace is home to over 100 million users, so there are undoubtedly many more lurking there. In addition to the concern over the registered sex offenders, there are of course predators who have not ever been caught and therefore are not a registered sex offender, but obviously still of great concern. It certainly poses a problem for parents who allow their children to participate in MySpace.

If you wish to allow your children to continue to have a MySpace profile, there are some safety tips you can learn to give you greater peace of mind.

Pain Killer Addiction Can Lead to Crime

Various forms of theft in our society have increased due to drug addiction. Drug addiction leads to many crimes as the addicts become thieves to find ways of supporting their debilitating habits. Throughout the world, drug addiction is ravaging the lives of many innocent people. Individuals who would normally not be considered to be an at risk individual, have become addicts to various drugs and have turned their lives into one of wanting for more drugs daily.

Just how do some people become addicted to drugs and illegal substances? Unfortunately many become addicted to drugs beginning with an addiction to pain killers. The innocent pursuit of finding relief for pain slowly can take someone down the path of drug addiction, which can sometimes contribute to various forms of theft as well.

There is an increased amount of awareness in our country for the need to help those who have become addicted to pain killers, by providing efficient drug detox centers for help. One method provides the ability for the person to detox without having to go to an expensive hospital or to a 30-day rehab to do so.

One option, the Meditox Method involves a new medicine called Suboxone (or Buprenorphine). Combined with personal client management and just one doctors appointment, the person is well on their road to recovering from their addiction to pain killers. So if you know anyone with the challenge, I encourage you to help them pursue a remedy for their challenge. A life of drug addiction often leads to a life of crime and theft, so resolving issues with drug addiction can help reduce crime.

Automobile Vehicle Identification Number Protection

How vulnerable is your automobile VIN to potential thieves? Theives are becoming clever these days and they may be after your car or truck Vehicle Identification Number to make it easier to steal your vehicle. If they can view your VIN easily from the exterior of your car then a thief could produce a fraudulant title to your car.

So here's a quick tip for the day:

VIN's are viewable from the exterior of most cars by looking through the lower corner of your automobile windshield. To shield the VIN from being viewed simply take a piece of tape such as black electrition tape and place it over the VIN plate.

There are not too many times an owner of a vehicle needs to access their VIN so it won't create much of an inconvenience for you, but it will be an inconvenience for a car thief!

What's Your Dream Career?

You may have read some of our posts on some of the work at home jobs that you need to be careful with since there are so many scams out there. Many are looking for a work at home position or opportunity, but there are many other opportunities you may be over-looking if you don't consider the other options.

What if you could figure out what your dream career would be? So many people are absolutely miserable with their current employement or career, but it doesn't have to be you! Why suffer year after year in a job that you hate or in a position representing a product or service that is either questionable or doesn't line up with your personal values?

Imagine being able to actually enjoy your work! In that we spend the majority of our hours sleeping and working, wouldn't it make sense to take the time and energy to look into what your dream career would be?

Okay, you may be saying, "I'm totally clueless as to what my dream job or career might be!" If that is the case, here is the perfect book for you to identify what your dream career may be! You will have the opportunity to look at many Dream jobs as you read this book. You will identify a career that's ideal for you through fun and insightful exercises, quizzes, and advice. You will discover 101+ dream careers that are rarely advertised and get specific strategies to help you break in. So stop suffering and start dreaming again!


If you like videos be sure to check back to see what we've added to our list of videos to watch.

This Guy Needs an Identity Theft Attorney

Surprise Package

One thing I truly love about blogging is the fact that I have the opportunity to meet new people and friends through exchanging ideas for one another's blogs, and by meeting people in forums. One of my forum blogging friends Becky, provided this story, from her own experience dealing with a scam. Essentially this last summer, she began receiving what I'll refer to as "surprise packages," through the mail. Here is her story and one scam that we can all learn from:

All of a sudden I found that I was getting "welcome packages" from several companies, thanking me for "enrolling" or becoming a "member". The funny thing is, none of these were anything that I would have ordered - example: Maxim for men subscription. Um, I'm a woman; why would I order that? Another was for an auto club, like Triple A. (I would not have signed up for that because my husband owned his own hauling truck!)

I got suspicious, and started calling these companies. Every one of them told me that a certain "marketing agency" had sent in my order, at my request. (Remember, I had ordered NONE of these things.)

Well, to make a long story short, I was finally able to get the name of this so-called "marketing agency". Turns out they were some outfit operating out of Florida.

When I called to notify them that I had NOT ordered anything, they swore that I did, and that they had proof. Here's the most shocking thing: They told me that they had me on a taped phone call and that they would play it back for me. I nearly fell over when I heard it! It was a BLATANTLY falsified phone call with a woman's voice, not mine, saying "yes" each time the marketer asked if she'd like to sign up for something. You could easily tell that they had "cut and pasted" voices into a phone conversation. I was LIVID! They had even gotten my credit card number somehow. I do not know how they got it either, because I use this card ONLY for purchasing items online, and I always purchase from secure sites. Obviously, something wasn't secure somewhere.

Straightening out this mess wasted a lot of my time last summer. I had to cancel my credit card, contact all these different companies to get my name taken off their records and credits back to my account, etc. I was hoping our state's attorney general's office could help me go after these guys, but they were really no help at all, so I'm sure this bunch of crooks is STILL freely operating out there.

As you read, unfortunately the authorities have failed to address the crooks operating the marketing company, so watch out!

Did you catch a very important point Becky made in regards to her credit card? Becky stated that the card the items had been charged to is a card she uses only for online purchases. That is a very smart tip for all who make purchases online. This way it provides a card holder the opportunity to identify how their card had been compromised. As she also stated she is very cautious to make sure the site is always a secure line when she does make a purchase online, but as she mentioned somehow it was compromised somewhere. To ensure you are making a purchase on a secure line you should be able to see the little icon that resembles a pad lock show up in your taskbar. Be sure you proceed with caution when making any purchase with your credit cards. The con artists are out there waiting to see what new scheme they can come up with.

Thank you Becky for sharing your story for our readers! If you establish a new blog please provide us with a link to send our readers there.

Quick Quote Safety Tip

Just a quote with a funny anti-theft tip:

I have six locks on my door all in a row. When I go out, I lock every other one. I figure no matter how long somebody stands there picking the locks, they are always locking three.
Elayne Boosler

Super Hero Fighting Fraudsters

We live in a world where thieves are working over-time to cash in on funds that don't belong to them. Fraudulent credit card transactions occur daily, and the costs of such purchases ends up costing us each as consumers. Credit card theft has become a household word and concern, and the fraudsters have been winning the war. That is until now! A Super Hero has come onto the scene and is taking on the fraudsters and the credit card industry and they are winning the fight!

Certified Payments allows a merchant to rest assure that the purchase was made in a legitimate manner. If you are an online merchant you will want to quickly add the ammunition this Super Hero fighting fraudsters can offer your business.

Keep Your Eyes Peeled

We all want to believe that the world is full of honest people. Thank goodness many are honest, but unfortunately there seems to be far more who just never caught on to the fact that life is more rewarding when we're honest than when we are dishonest.

All thieves are of course lacking the honesty trait, and they are always on the look-out for a quick way to make a buck without any regard for others. A quick lesson to learn is that either we must keep our eyes peeled for what a thief will do, as they keep their eyes peeled open for opportunity. One of my forum and blogging friends Tricia, shared this story:

A friend and I were traveling, and we stopped at a McDonalds in a fairly
safe town to eat. We were sitting there and my friend needed more ketchup. He left his seat, and a woman came up to me asking directions on how to get somewhere.

Since I've traveled the area often, I started explaining what way she needs to go and even turned around and pointed what way she needs to go when she leaves the McDonalds. She thanked me, and left.

My friend came back and asked me where his wallet was. Unknown to me, he had set it on his tray and I didn't even notice that he had left it there. The woman took it while distracting me for information.

We looked for the woman, but she was gone. He never did recover his wallet. Luckily, he didn't have too much money in it and he remembered the telephone number for his credit card to cancel it.

Just goes to show you need to be careful everywhere.

This story serves as an excellent example that we must keep our eyes peeled, and also keep our valuables so potential thieves cannot be tempted. Thank you Tricia for sharing your story!

If you were to lose your wallet or handbag it certainly can put a damper on the budget if you lose a wad of bills in the process. Another way to lose quite a bit of money is with too much debt. If debt reduction is your focus, be sure to hop on over to this Debt blog for some great debt reduction ideas.