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#21
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I consider it Digital Darwinism
i like it! Of course if they'd just stop selling computers at the grocery store... |
#22
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wrote in message h.net... In article , says... in reality the only real credit card scam is being run by the credit card companies themselves. if you happen to keep a balance on your card i suggest you read that multi page fine print thing called terms and conditions. that is the real scam. it is designed to get you in debt and keep you there. tony zambon grumman 9941L How do they make one buy things? Have to agree... Having to pay an interest rate is a known fact to having a credit card. Who in their right mind thinks that they will not be paying interist rates on the card? Now where i do think things get fuzzy is when they advertise a 0% 2.99% or whatever, then in the very very very very fine print you find a fixed monthly service fee, and that the rate is only valid for a few months before jumping massively. But then again... those are so common who gets a 2.9% card without the expectation that its an introductory offer? I carry two cards, I have a balance on one, and yes a rather considerable part of each monthly payment goes to pay for that interest fee, BUT i do that willingly to have the convinience of a line of credit, comes in hand now, especially in online commerce and when cash/check isn't feasable. I personally don't buy an item on the credit card unless the convinience of using the card for that purchase is worth 12.98% of that purchase price over a year. Do the cards themselves put you in debt... NOPE.... bout like blaming the pencil for spelling errors, the purchasers puts themselves in debt, its how they manage that debt that can actually affect how much interest they pay, be irrisponsible with the debt and that rate goes through the roof, pay on time and a good history and you may be able to qualify for a lower rate, the ball is in the purchasers' hands. Now you want to know of a good psuedoscam in finance? Look at home loans that offer an amazingly low interest rate, but want a points fee..... got news for you... that points fee is an interest rate you can't escape! traditional interest expenses (not rates) can be lowered by paying off a loan early, but since those points fees are wrapped up into the principle of the loan your stuck paying them, even if you pay the whole enchilada off next month (which in some states means you can be stuck paying a prepayment penalty... another load of crap if you ask me.) Bottom line... know your loan be it a credit card, HEL HELOC or whatever... if its worth it its your own damn fault you are in debt. |
#23
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Dave S wrote:
I have my email set up to forward messages from certain providers into specifid sub-mailboxes... So.. stuff that is really FROM ebay goes to an EBAY folder to be read... and stuff really from my bank goes to its own folder. Helps cut down on the riffraff.. Its not hard to set up and use... if you use Outlook or Netscape. Hmmm. So you're using a Outlook or Netscape filter to sort your incoming mail into mailboxes? ... and what field in the mail header are you using to do the sort? ... and how can you be sure that field isn't being spoofed? *No* legitimate business is going to send you an email asking for personal information. Just don't respond, no matter how legitimate the reply address looks. Dave B |
#24
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Jay Somerset wrote:
The only way to be absolutely sure would be to copy the URL to an ascii text editor that doesn't understand what a URL is supposed to be, and cxheck that way. Or save yourself a step and just set your email client to "text only" mode. -- John T http://tknowlogy.com/TknoFlyer http://www.pocketgear.com/products_s...veloperid=4415 ____________________ |
#25
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On Sun, 20 Mar 2005 07:40:12 -0600, "Jim Fisher"
wrote: "Roy Smith" wrote in message news:roy- They are also getting increasingly sophisticated. I used to be able to tell immediately from the shoddy graphics that it wasn't the real thing. Not long ago, I got one phishing for my Citibank info that I couldn't tell apart from the real thing. Well, perhaps cosmetically. There's so many other clues that it is a scam that one has to wonder at who would actually respond to these things. Recently, I received a very legitimate SunTrust Bank scam. I was bored and decided to go ahead click the links and fill out the form with required (but fake) information. Y'all ought to do it sometime. It is quite interesting. They asked for my name, address, phone number, mother maiden name, Social Security number, bank account & routing number, and other information that was very personal that no bank would ever request. It is very difficult for me to imagine someone who would be so naive or stupid enough to actually enter real information. Being a computing professional... I'd say about 90%, probably more. These schemes are making *big* money, or they'd go away. Even the spammers who use fake return addresses aren't worried. If they get fined a few million it's only a drop in the bucket compared to what they make. If I ever do get a legit request via e-mail (which would really surprise me) I'd never read it as they get trashed on the first line or two if the spam checker doesn't catch them. So, if I really do owe you money, don't bother with e-mail. :-)) You'll just get an answering machine on the telephone. What bank, credit card co, or organization would be dumb enough to ask such things in an e-mail? (they do exist) A bad one from the user end is using HTML e-mail. It looks pretty, but always set them to text only. I do get the occasional "get a capable HTML mail reader" comment though. :-)) At least every one is willing to send me plain text versions of their news letters except the NRA hasn't changed yet. But, what the hey... with the money I've come into this last week from three international lotteries, The widow who wants me to help her move her late husband's money to the US, three oil investments, and 3 or 4 lawyers, trusts, estates, (you name 'em) I should have close to $200 million USD coming in. Oh, I forgot the two guys with terminal some thing or other who want confidential help in moving their money out of their country, or the guy who is trying to get his inheritance... I should clear close to a quarter billion USD and all I have to do is send them my bank account number. Yup. In another month or two I can have all the planes I can fly and all the toys I want ... and the Easter Bunny is going to leave solid gold eggs in the front yard. Roger Halstead (K8RI & ARRL life member) (N833R, S# CD-2 Worlds oldest Debonair) www.rogerhalstead.com I consider it Digital Darwinism. Some folks just don't need to own a computer. |
#26
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"Roger" wrote in message
But, what the hey... with the money I've come into this last week from three international lotteries, The widow who wants me to help her move her late husband's money to the US, three oil investments, and 3 or 4 lawyers, trusts, estates, (you name 'em) I should have close to $200 million USD coming in. Hey! Butt outta my territory! I'm handling the widow thing. I also have an ex-prince wanting my help. Top that! -- Jim Fisher |
#27
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On Sat, 19 Mar 2005 09:44:56 -0700, "Matt Barrow"
wrote: George Patterson wrote in : AOPA warns that someone is trying the scam of spamming pilots saying that MBNA needs for them to verify their account info. These mails are not from MBNA. Do not click on the link. I've discovered that most of them come from Korea and China. They pick the images from a legitimate site but post your information to some site in Seoul. What? The South African connection is missing? I assume that tracing such transaction would be fairly easy; is the problem then that the host COUNTRIES are the laggards here in enforcing fraudulent activity? I can't recall any news about prosecutions for this "industry" that is ripping off $$BILLIONS. Very few are prosecuted, but they are making millions. I guess the "zero tolerance" for pot users is MUCH MORE important. Tis a bit difficult to grab someone out of a thrid world country. Roger Halstead (K8RI & ARRL life member) (N833R, S# CD-2 Worlds oldest Debonair) www.rogerhalstead.com |
#28
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On Sat, 19 Mar 2005 07:42:40 -0500, Roy Smith wrote:
In article , "Steve Foley" wrote: What they've been doing recently is opening the real site with the address bar showing, and opening a login popup, showing no address bar. More often than not, the popup doesn't work. They're getting shut down pretty quickly, but I'm sure some people are going for it. I usually type in a few obscenities after I send the report to the correct party. They are also getting increasingly sophisticated. I used to be able to tell immediately from the shoddy graphics that it wasn't the real thing. Not long ago, I got one phishing for my Citibank info that I couldn't tell apart from the real thing. It also used to be that you could be careful and look in the status bar (or wherever your particular browser shows you a preview of a link the mouse is hovering over) to make sure it was real. The text on the screen would say "www.citibank.com", but the URL preview would say "123.456.78.90" and you'd know it was a fake. Now they're building URLs in the links with non-ascii characters which display in your browser looking like the real thing, but resolve to a different IP. They've even gone farther than that, with redirects. I've gone to sites that looked and felt real. The URL was real, but the site actually wasn't. This is one of the hazards of using HTML e-mail. I use text only. Clicking on the link can take you to the bogus site while typing in will not. Usually with plain text you see the actual link, rather than the bogus one. But they are getting very sophisticated. Roger Halstead (K8RI & ARRL life member) (N833R, S# CD-2 Worlds oldest Debonair) www.rogerhalstead.com |
#29
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On Sun, 20 Mar 2005 07:40:12 -0600, "Jim Fisher"
wrote: "Roy Smith" wrote in message news:roy- They are also getting increasingly sophisticated. I used to be able to tell immediately from the shoddy graphics that it wasn't the real thing. Not long ago, I got one phishing for my Citibank info that I couldn't tell apart from the real thing. Well, perhaps cosmetically. There's so many other clues that it is a scam that one has to wonder at who would actually respond to these things. My profession has been computers since 1990. I've noted the scams have gotten far more realistic in the last 6 months. Only some one who knows enough not to use the new ones even if they do appear to be legit would escape. That means the vast majority of usres are vulnerable and without a clue. Roger Halstead (K8RI & ARRL life member) (N833R, S# CD-2 Worlds oldest Debonair) www.rogerhalstead.com Recently, I received a very legitimate SunTrust Bank scam. I was bored and decided to go ahead click the links and fill out the form with required (but fake) information. Y'all ought to do it sometime. It is quite interesting. They asked for my name, address, phone number, mother maiden name, Social Security number, bank account & routing number, and other information that was very personal that no bank would ever request. It is very difficult for me to imagine someone who would be so naive or stupid enough to actually enter real information. I consider it Digital Darwinism. Some folks just don't need to own a computer. |
#30
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On Sun, 20 Mar 2005 10:46:04 -0500, Roy Smith wrote:
"Jim Fisher" wrote: They asked for my name, address, phone number, mother maiden name, Social Security number, bank account & routing number, and other information that was very personal that no bank would ever request. It is very difficult for me to imagine someone who would be so naive or stupid enough to actually enter real information. Con games have been going on forever. I first heard of the "I found some money and I'll split it with you, but you have to put up $X to show your good faith" scam when I was a kid (my father told me how it worked). I next heard of it a bunch of years later when a woman I was working with fell victim to it. She came in one morning and started telling a strange story of how somebody approached her and said they had found $10,000 or some such. She was flabbergasted when I finished the story for her. These days, the same scam is still going around, the only difference being that email has taken over as the transmission mechanism. These scams survive because they continue to work. They survive and continue to work because people are greedy and are then embarrested too much to say they were scamed. As you say, they are nothing new, but the delivery method has changed. Roger Halstead (K8RI & ARRL life member) (N833R, S# CD-2 Worlds oldest Debonair) www.rogerhalstead.com |
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