How To Avoid Getting Scammed

Listed below are some of the most popular and common scams:

1. Nigerian Letter Scam:
This one's been around for many years but continues to flourish. Many of these e-mails claim to be from a person in Africa, usually Nigeria. The writer claims to have access to millions of dollars, either from a relative or from knowledge of an idle account. A percentage of this money is promised to the victim if they will allow the money to be processed through their personal bank account. The victim is instructed to keep their share and send the remaining money to the scammer.

The check given to the victims is fraudulent. The victim is then liable to the bank for the check they wrote to the scammer.

Here's what will happen when you give strangers your bank account information: They will take your money. Period.

2. Phishing Scams:
"Phishing" is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number,
passwords, or other sensitive information.

Phishers send an e-mail or pop-up message that claims to be from a business or organization that you deal with--for example, your Internet service provider (ISP), bank, online payment service, or even a government agency. The message usually says that you need to "update" or "validate" your account information.

Recent phishing victims include Yahoo, Citibank, eBay, Best Buy and Bank of America among others.

If you get spam that is phishing for information, forward it to spam@uce.gov.

3. Chain Letters:
In this classic scam, you're asked to send a small amount of money (usually $5.00) to each of several names on a list, and then forward the letter including your name at the top of the list, via bulk e-mail. Many of these letters claim to be legal. They even include a section of the U.S. Postal Code on illegal schemes. Don't be fooled. They are not legal. And if you participate, not only will you be breaking the law, you'll lose your money as well.

4. Work-At-Home And Business Opportunity Scams:
These scams tempt victims with ads stating "no experience necessary," promise high earnings and claim to have inside information. The scammers usually require victims to pay anywhere from $35 to several hundred dollars or more for information, kits or materials that do not provide the promised results.

Frequently, these schemes involve making handicrafts, stuffing envelopes, medical billing, or state, "Use your home PC to make money fast in your spare time!"

In the craft making or envelope stuffing scam, after paying fees and completing the assembly of the products, victims are told their work is low quality and unworthy of compensation.

Medical billing scams require victims to purchase supplies and lists of doctors who, inevitably don't exist or are not interested in the service.

5. Bulk E-mail Scams:
These solicitations offer to sell you bulk e-mail addresses (spam software) or services to send spam on your behalf. Example: "Reach 100 million websites, $39.95"! The software is usually of poor quality. It's spam and a scam. Don't do it.

6. Auction and retail scams:
These schemes typically offer high-value items, such as Cartier watches, Beanie Babies and computers, in hopes of attracting many consumers. What happens is the victim wins the bid, sends the money and receives nothing or receives products of much lower quality than advertised.

7. Guaranteed Loans or Credit Scams:
This scam comes in a variety of flavors: home equity loans that don't require equity in your home, personal loans regardless of credit history, etc. After you pay the application fees, you receive a letter saying that your loan request was denied. Usually, you never here from these companies again.

8. Credit Repair Scams:
These scams promise to erase accurate, negative information from your credit file so that you can qualify for loans, mortgages, unsecured credit cards, etc. It doesn't work. Not only that. If you follow their advice and lie on loan or credit applications, misrepresent your social security number, or get an Employer Identification Number from the Internal Revenue Service under false pretenses, you will be committing fraud and violating federal laws. Another variation of this scam is the promise of a brand new credit file. Don't do it.

9. Vacation, Sweepstakes And Prize Award Scams:
In these scams you receive notification congratulating you because you've won a fabulous vacation, a car or some other prize award. All you have to do to collect your prize is pay a small fee (usually several hundred dollars). In return, what you end up getting is a toy car, (I kid you not) or a vacation certificate to the Bahamas or some other exotic vacation spot. It's really a lousy deal. You have to pay for your own airfare, and the accommodations that they arrange are usually in rundown hotels. Let the buyer beware!

10. Employment Scams:
Employment scammers take advantage of job seekers. They claim to offer employment services, inside information or inside contacts to jobs. After paying a fee, victims learn they only provide advice, help writing a resume--or less. Some fraudulent employment services simply sell lists of companies that they have gotten from public directories. They usually have not contacted those companies directly or know if there really are any job openings.

11. Multi-level Marketing (MLM) or Network Marketing Scams:
I know I'm going to ruffle a few feathers with this one, so let me just say right now that all MLM or network marketing companies are not scams. Obviously, there are some good, reputable companies out there. However, there are so many bad ones that I'm compelled to include the entire industry on this list. Before getting involved with any MLM or network marketing company, investigate, investigate and then investigate some more. Don't get caught up in the hype. And here's a fact no MLM or network marketing company will ever tell you--not even the legitimate ones: Unless you have outstanding sales ability and/or people skills, it is extremely difficult to make any money in MLM or network marketing.

Here are some other things you should watch out for: Make sure the website you’re visiting contains all three of the following:

1. A real persons name (not just a company or business name)

2. A telephone number

3. A street address (not just a P.O. Box)

If all three of the above are not present, walk away from the offer.

Before purchasing anything, you should always check first to see if the company has had any complaints lodged against it. The following websites publish complaints and/or scams:

http://www.scamwatch.com

http://www.worldwidescam.com

http://www.bbb.org

If you do get scammed, report it to the aforementioned websites immediately. You probably won’t be able to recover your money. Few people ever do. But at least by reporting the crime and making it public record, you make it harder for that company to scam anyone else.

In closing, always carefully investigate any business opportunity, and remember: If it sounds too good to be true, it probably is!

About the author:
Dean Phillips is an Internet marketing expert, writer, publisher and entrepreneur. Questions? Comments? Dean can be reached at mailto: dean@lets-make-money.net
Visit his website at: http://www.lets-make-money.net
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Basic Rules of Scam Baiting

The goals of scam baiting carry the pleasure of baiters and their readers. To that end, a general status symbol among scam baiters is the collection or display of a photographic "trophy," a picture apparently taken of the scammer, typically while holding custom made signs, or in odd poses with exact props (such as placing a fish on one's head). Other trophies could include documents such as oaths and the pseudo legal documents, taken as the 419 scammer as a step forward towards a hopeless goal.

There are handfuls on common sense basic rules, which a scam baiter should follow:

1. The first rules is to have a good anti-virus software running on your system all the time and do keep the virus definitions ready. This is must for any computer which has internet connection but it is most significant for the scam baiting.

2. Make sure you don’t believe in anything, which a scammer tells you until you know it is true. In case scammer tells you “here is my photo” you could argue it isn’t. If on Monday the scammer tells you its Monday, check the calendar. It’s possibly Tuesday.

3. Next you should make sure that you do not give any real personal information to the scammer. This needs to be very obvious. Any actual personal information carries your real name, real address, place of work, real bank account number, and personal e-mail address and so on.

4. Remember you should never go to meet any scammer in person, regardless of their location given. As most scammers are just nothing more than pretty cheat artists, there had been many cases of muggings, kidnappings and also murder of people who had gone to meet with 419 scammers. Please do not do it.

5. And the most important rule is, you should never involve directly any innocent third parties in your scam bait. No matter how much you may hate you boss or your ex-spouse, don’t take revenge through this. You should not take on the identity of any real person existing or do not send a scammer to meet with any real person.

About the Author:
Dany Siraz is an expert in analyzing and describing the spam’s that are making the people to fall as prey without awareness, especially the Nigerian 419 scams. He had published many articles about describing the way of spam producers to fraud the people especially through e-mails, and had advised the best ways and tips to escape from these spam frauds. For further more details of Nigerian 419 scam visit to http://www.nigerianspam.com/
Posted: 13-12-2006
Article Source: ArticlesBase.com

Phishing For Your Identity

Phishing (pronounced as fishing) is defined as the act of sending an email to a recipient falsely claiming to have an established, legitimate business. The intent of the phisher is to scam the recipient into surrendering their private information, and ultimately steal your identity.

Who hasn't received an email directing them to visit a familiar website where they are being asked to update their personal information? The website needs you to verify or update your passwords, credit card numbers, social security number, or even your bank account number. You recognize the business name as one that you've conducted business with in the past. So, you click on the convenient take me there link and proceed to provide all the information they have requested.

Unfortunately, you find out much later that the website is bogus. It was created with the sole intent to steal your personal information. You, my friend, have just been phished.

Phishing (pronounced as fishing) is defined as the act of sending an email to a recipient falsely claiming to have an established, legitimate business. The intent of the phisher is to scam the recipient into surrendering their private information, and ultimately steal your identity.

It is not at easy as you think to spot an email phishing for information. At first glance, the email may look like it is from a legitimate company. The "From" field of the e-mail may have the .com address of the company mentioned in the e-mail. The clickable link even appears to take you to the company's website, when in fact, it is a fake website built to replicate the legitimate site.

Many of these people are professional criminals. They have spent a lot of time in creating emails that look authentic. Users need to review all emails requesting personal information carefully. When reviewing your email remember that the "From Field" can be easily changed by the sender. While it may look like it is coming from a .com you do business with, looks can be deceiving.

Also keep in mind that the phisher will go all out in trying to make their email look as legitimate as possible. They will even copy logos or images from the official site to use in their emails. Finally, they like to include a clickable link that the recipient can follow to conveniently update their information.

A great way to check the legitimacy of the link is to point at the link with your mouse. Then, look in the bottom left hand screen of your computer. The actual website address to which you are being directed will show up for you to view. It is a very quick and easy way to check if you are being directed to a legitimate site.

Finally, follow the golden rule. Never, ever, click the links within the text of the e-mail, and always delete the e-mail immediately. Once you have deleted the e-mail, empty the trash box in your e-mail accounts as well. If you are truly concerned that you are missing an important notice regarding one of your accounts, then type the full URL address of the website into your browser. At least then you can be confident that you are, in fact, being directed to the true and legitimate website.

About the Author:
Gaetane Ross has thoroughly researched the internet to locate the best High Income Business Opportunities that will enable you to start making money from your own home. http://4instant-online-business.com http://affiliates.4instant-online-business.com http://4instant-online-business.com/pips.html
Submitted on 2007-02-08
Article Source: http://www.articlesarea.com/

Spam Scams: How Not To Become A Victim

All spam emails we receive every day in tens or hundreds are annoying and disgusting. But the worst of them are scams, hoaxes, and illegal schemes aimed at defrauding you of your money, private information, and even your life. Being aware of how the spam scams work you will be able to protect yourself against the spammers-fraudsters and not to become a victim of their fraudulent schemes.

A lot of spam scams arrive in the form of a great investment offer. It usually works as a Pyramid scheme. Spammers ask you to pay money for a membership, goods, or simply to "invest" promising you much money as revenue. Your revenue will come from those people who will invest after you. Your investment is distributed to those who joined before you. At some point the pyramid ruins because there are not enough new investors to keep the money flowing. The spammer is at the top of the pyramid and he is the only one who benefits. The scan may not always look like an investment offer. The spammers can ask you to distribute some advertising letters to a list of email addresses, for remuneration. Although they will tell you that the list contains only opt-in email addresses, it’s not true, and you will be sending spam directly from your computer.

Another fraudulent scheme you may meet looks like a letter coming from a company that you do business with. Usually the spammer asks you to follow a link within the message supposedly to update your account. But actually this is done to worm you out your personal and financial information. If you click on that link, you will be brought to a page that will look like a company’s web site. While you are logging in or filling the form in, the program is recording your keystrokes and all your private information – account number, user name, password, social security number – is disclosed. Never click on the links included in such emails. Just open a company’s web site in a separate window and check your account details out.

Nigerian spam is one of the most dangerous email scams. The mechanism of the scam is simple. The spammer sends you a badly spelled letter on behalf of a government official, deposed ruler, or relative of a ruling family asking you for help. They have some goods, money, or jewels that they cannot access due to political reasons. They ask you to allow them transfer large sums of money into your bank account. They promise to remunerate you for your kindness, or even leave all money to you. Attractive offer, isn’t it? Don’t be a dolt, don’t believe them. They tempt you into a trap. Their object is to obtain your account number and bank transfer information. They also may ask you to send them a fee to bribe some corrupt government officials. Further you may receive additional officially looking letters where you will be asked to provide further documents, private information, and money. When they have “played” with you long enough, or believe that you may suspect to be led on, they will rob you and quite.

Take care! Don’t react upon any spam message whatever tempting offer it contains. Delete it at once, or let an anti-spam filter delete all spam before you download it into your inbox.

About the Author:
Julia Gulevich is a technical expert associated with development of computer software like AATools, Advanced Email Verifier, G-Lock EasyMail, Spam and Junk Email Filter http://www.glocksoft.com/sc/ More information can be found at Anti Spam Filter Resources http://www.glocksoft.net/sc/.
This article was posted on November 27, 2006
Article Source: articlecity

How To Recognize And Prevent Pfishing Scams

The warning notice you get from your bank over the internet may be a fraud. It is a scam intended to make you give up secure financial information. This article will show you how to recognize and deal with these frauds.

Have you ever received e-mail messages that threaten to close your PayPal or Ebay account unless you send them information? It's a scam called "phishing." It is pronounced "fishing." It means what it says. Internet scam artists are fishing for information. It comes from Internet fraudsters who send spam or pop-up messages to lure personal information from you. Their objective is to extract sensitive information from unsuspecting victims.

The Federal Trade Commission(FTC) warns you that when phishers send you a fraudulent e-email, they want you to update, validate,or confirm your bank, credit card, or PayPal account, including passwords. Some phishing e-mails threaten to terminate your account if you don't respond. The messages direct you to a website that looks just like a legitimate organization's site. However, it isn't. It's a bogus site whose sole purpose is to trick you into divulging your personal information so the operators can steal your identity and run up bills or commit crimes in your name.

The FTC suggests these tips to help you avoid getting hooked by a phishing scam:

If you get an e-mail message that asks for your personal or financial information, DO NOT REPLY. Do not click on the link in the message. Legitimate companies don't ask for this information via e-mail. If you are concerned about your account, contact your bank or credit card company using a telephone number you know that is genuine.

All the scam merchant needs is for you to access his/her website. Then, you are hooked. To avoid an inadvertent mistake, stay off the internet until you have established contact with your financial institution.

Use anti-virus software and a firewall. Keep them up to date. Some phishing e-mails contain software that can harm your computer or track your activities on the Internet without your knowledge.

Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files. Anti-virus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones that can effectively reverse the damage and that updates your files automatically.

A firewall helps make you invisible on the Internet. It blocks all communications from unauthorized sources. It is especially important to use a firewall if you have a broadband connection. Operating systems like Windows also may offer free software updates to close holes in the system that hackers or phishers could exploit.

Don't e-mail personal or financial information. E-mail is not a secure method of transmitting personal information. If you initiate a transaction and need to provide such information, look for indicators that the destination site is secure. Unfortunately, no indicator is foolproof. Some phishers have forged security icons.

Review credit card and bank account statements as soon as you receive them. Check for unauthorized charges,address changes,and unexplained account balances.

Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them. These files can contain viruses or other software that can weaken your computer's security.

After you are back on the internet, forward spam e-mail that is phishing for information to spam@uce.gov. Also, forward the suspicious e-mail to the company, bank, or organization impersonated in the phishing e-mail. Most organizations have information on their websites about where to report problems.

If you believe you've been scammed, file your complaint to ftc.gov, and then visit the FTC's Identity Theft website at www.consumer.gov/idtheft. Victims of phishing can become victims of identity theft. While you can't entirely control whether you will become a victim of identity theft, you can take some steps to minimize your risk. If an identity thief is opening credit accounts in your name, these new accounts are likely to show up on your credit report. You may catch an incident early if you order a free copy of your credit report periodically from any of the three major credit bureaus.

You can learn other ways to avoid email scams and deal with deceptive spam at ftc.gov/spam

About the Author:
Bob Carper is a veteran information systems consultant specializing in verbal and written communication. He holds a BS and an MBA degree. He is an ardent railfan and belongs to the New York Central Historical Society. Visit http://www.secure-webconference.citymax.com
Submitted on 2007-02-07
Article Source: http://www.articlesarea.com/

Scams, Spams, Viruses and Spyware - Protecting Yourself Online

On the Internet, there's so much to see and do. You can communicate, shop, play and learn. It's a veritable treasure trove of information and activities for just about anyone of any age. Unfortunately, just like in the real world, everything also has a downside. For the Internet, that downside includes, scams, spam, viruses and spyware. Basically, people who want to take advantage of you. This article will give you some basics for protecting yourself online.

Scams

One of the worst scams comes to you via email, in the form of "phishing" emails. They come to you in the form of an email from banks, eBay, a store, Paypal or other business or financial institution. The email will have the name of the company in the from area and the email may look real, complete with corporate logos and official sounding text. Don't be fooled, however. A reputable financial institution or business will never ask you for your username, password, account number or other sensitive personal information via email. NEVER click on the link to the site provided in their email. If you are unsure if the email is fake, then open up your browser and manually type in the URL of the company's website. Go there and login and see if they are requesting something from you there. Chances are, they aren't. You can report these emails or simply delete them.

Other scam emails may come to you from foreign countries asking you to hold a large sum of money for them, in return you get a percentage of the money, usually millions of dollars. If it sounds too good to be true, it is. This scam has been around for years, don't fall for it. It's just a way to get your bank account information and to empty it before you even realize what has happened.

Scam websites are also a problem, whether it's a fly by night store, a phony eBay seller or a store that's actually just trying to get you to give them your personal information for marketing purposes, you can easily avoid these by checking eBay feedback, store reviews via Google and the BBB and other consumer complaint websites.

The solution to scams? Be vigilant. Never click a URL in an email that looks the least bit suspicious. Always check the feedback, reviews and ratings of sellers before buying and never, ever give away your personal information to a website that looks suspicious.

Spam

Spam can be a huge problem if you have had your email address for any length of time. No matter how well you protect your email address by not giving it out to anyone you don't know, you're still going to get spam. You can, however, minimize the time you spend dealing with spam by adjusting the options in your ISP or web mail preferences section. For most web email addresses, like Yahoo Mail, Gmail and Hotmail, you can adjust or train the spam filters so that spam rarely makes it to your main inbox but instead ends up in your Bulk Mail or Junk Mail folder. For AOL users, they have a similar Spam Mail folder and email options which you can adjust to your liking. For stand alone email programs using POP email boxes, any good email program will have spam and junk mail filters as well as allow you to set rules for which mail is deleted, flagged or sent in to the Junk Mail folder according to preferences you set. If you still have a problem, you may consider a third party program like MailWasher at mailwasher.net or SingleFin from singlefin.net. Both programs are free and should help solve or minimize your spam problem.

Viruses

Viruses are a common problem if you spend any time online. That greeting card attachment your friend forwarded you contained more than a greeting card, you've now got a virus! Viruses can slow your computer down, slow down your web surfing or they can do more serious damage like relay sensitive information like your bank login information to a hacker or at the worst end, erase your entire hard drive! To prevent these problems, you should never open attachments unless it's been scanned by a virus program first, also don't download any files from suspicious websites, stick to the well known download sites instead, like download.com. To help keep your computer clean of viruses, download and install one of the many anti-virus programs available. Some good ones are AVG Free Anti-Virus, from grisoft.com and Avast Anti-Virus from avast.com. Both programs are free and will automatically check for new versions of their virus databases so you are protected from existing and new viruses.

Spyware

Spyware is also a common problem that can slow your computer down tremendously and run programs on your computer without you even knowing. Spyware can come from websites, even well known and reputable websites but usually spyware is contained in certain free programs, like games and software that is free due to banner ads or other advertising inside the program. Since spyware can slow down your computer, it's a good idea to download and install at least one program that will protect you from spyware. Two good ones are Spyware Doctor from pctools.com and Ad-Aware SE from lavasoft.de.

Once you have downloaded and installed your anti-virus and spyware protection software, be sure to schedule a full scan of your computer often, at least once a week or more to help keep your computer running fast and smooth.

About the Author:
Lydia Quinn writes for PaidSurvey24.com, a free and comprehensive paid survey directory list. Visit us at: http://www.paidsurvey24.com.
This article was posted on November 21, 2006
Article Source: articlecity

Common Spam Emails

Spam comes in many forms and spammers will pull out all the stops to try to trick you into clicking on their email and hopefully making a purchase. Below are some of the most common forms that spam comes in – how many of them do you recognize?

Application Accepted – These emails are supposed to make you think that your loan or other application has been accepted. Of course, you won’t be fooled by this if you never applied for anything online.

Business Opportunity - These are the emails that claim you can make thousands with little effort. Like most anything else, if it sounds too good to be true it probably is.

Chain Letters - Do you have a friend that relentlessly forwards you these emails? Not only do they suck up internet bandwidth and disk space, but they can potentially be a way for spammers to get your email address.

Magical Health Products - Magical diet pills and miracle cures are just hype and the products don’t usually match up to their claims.

Free Stuff - You’ve probably figured out by now that nothing in life is free. Usually these free offers require you to join a site with a monthly fee or have so many restrictions that you never actually get your “free” gift.

Loans and Credit Repair - You can apply for your own loan and repair your credit yourself. No one else will be able to work any special magic that you can’t do on your own.

About the Author:
Lee Dobbins
Visit http://www.spam-canned.com to find out more about spam and how you can protect your email address. Browse the free article database at http://www.spam-canned.com/spamarticles1.html
Article Source: www.iSnare.com

Stock Spams Are Often Stock Scams

While most people find spam an occasional annoyance, it’s also becoming the main way to target individuals and take money from them. With convincing stock tips and market advice, these scams are luring investors into their games and making them feel as though they could make a lot of money for almost no effort. That’s why every investor needs to know how to protect themselves.

The definition of spam is an unsolicited piece of information that is sent to the person’s email box. Most spam emails are sent to hundreds and thousands of recipients, hoping that one or more are convinced by the bogus offer and give their money to the scam artist. In terms of stock scams, these are emails that give the reader tips about stocks in an effort to create a high enough demand for the stock that the price goes up. During the process, the scam artist sells their own shares of the stock for a tremendous profit (also known as the pump and dump scam).

Many people already have filters installed on their email boxes that will weed out the junk emails and prevent them from being seen in many cases. However, some spam can get through even the toughest filters by looking as though it were information that you might have requested.

Another scam that is the ‘risk free’ scams that might guarantee that the person will reap the benefits of the described information. While there may be some legitimacy in this kind of scam, the investor should realize that things are never guaranteed in the realm of stocks and other financial matters—thus probably a scam.

Inside information is illegal in the investment world, so any spam that might include wording such as that is only trying to create a demand in a particular stock so that they can reap the benefits of that false demand. This is very similar to the pump and dump as the investor is being ‘pumped’ full of information that is useless.

A more complicated spam that may be received deals with IPOs (initial public offerings). This is when a company approaches an investor with an opportunity to receive free stock credits (with an administrative fee) when the company completes the IPO. However, the scam is that the later transaction never takes place and the fees are kept.

Any spam that might be received offering riches and promises of great stock tips is something that an investor should be wary of. In most cases, these are spam messages that the investor never requested, and thus the information is probably not in that investor’s best interests.

If an investor should be scammed in any stock transaction, they should contact the SEC investor complaint center.

About the Author:
Joel Arberman is the Managing Member of Stock Aware, LLC. We publish a free investment research and analysis newsletter. Learn more at www.StockAware.com
Content Provider: http://www.my-articles.com

Don't Get Caught By This Stock Tips Spam Scam.

Spam emails have been the scourge of the Internet for a number of years now and the problem is still growing despite legislation, zealous spam filters and all sorts of clever techniques to prevent it.

I'm sure that most of us have been subject to unsolicited email messages (spam) promoting medications, virility enhancers, impotence cures, mortgages, loan consolidation schemes, gambling and pornography to mention just a few.

Now we have a another subject hitting our inboxes - the unsolicited "hot stock tip" or to give it it's more meaningful description, the "Pump and Dump" scam.

If you're not familiar with the term "Pump and Dump", let me explain how it applies to spam email...

"Pump and Dump" scams are email campaigns offering "hot stock tips" designed to engineer a buying frenzy for a particular company's shares, thus rapidly inflating the stock's market value. The spammers (read "scammers") then dump their shares back into the market and make a fast exit with their profits from the artificially inflated price.

Once the scammers have dumped their shares and stop promoting (pumping) the stock, the price drops rapidly and investors lose their money.

This is not a new scam by any means. "Pump and Dump" schemes have been around in the offline world for a long time. However, the Internet, and in particular email, has added a whole new dimension to this scam, making it simpler and cheaper to promote these "hot stocks" to vast numbers of potential investors.

How do you recognise these "Pump and Dump" scams for what they are?

Generally speaking it's relatively simple. These "hot stock" promotions usually centre around a company whose shares are traded for just pennies on the Over-The-Counter (OTC) market where "normal" trading in them is extremely modest. In addition to this there is often little or no information available about the company.

The reason this type of company is favoured by the scammers is because it's a lot easier to manipulate the stock prices, and the returns for the scammers can be hundreds of percentage points above the starting price when they dump their shares back into the market and take their profits.

Hundreds of percentage points above the starting price!

This sounds like a great way to make money - right?

Well for the scammers it certainly is. But what about those investors who are "not" part of the scam?

This is where the problem lies and the big losses are made. Why? Because those investors outside the scam never know when the "Pumpers" are going to "Dump" their stock and leave the price to plummet back to it's normal trading levels, resulting in losses for a large number of investors.

So how do you avoid getting ripped off by these scam artists?

To my mind that's quite simple. Most reputable companies don't use spam as a marketing tool, so you can be pretty certain that if you received the "hot stock tip" unsolicited it's from a "Pump and Dump" scammer. Just delete the email and save your money for a legitimate investment.

About The Author:
Andre Anthony owns and operates 101 Online Trading a resource for online investors. Visit http://www.101onlinetrading.com today to find strategies, tips, tools, products and resources for effective online trading. For Real-time Stock Picks that will allow you to trade like a Pro subscribe to : http://www.101onlinetrading.com/sl/soler-stock-picks.htm
Submitted: 2006-10-27
Article Source: GoArticles

The Threat Of Spam And Basic Preventative Measures

Everyone who uses the internet has more than likely been targets of spam at one time or another. At first they are easy to dismiss for internet experienced persons, however for the inexperienced user of the internet, the messages contained can sometimes be intimidating and in some instances lead to trouble (I will come onto a personal example later).

Spam can take several forms; email and search engine spam are just two, but the one we will concentrate on in this article, and also the one you will, and have most likely encountered, is via email.

Spam is defined as unsolicited bulk mail, much of which is caught in your “bulk” or “trash” folder found in your email service provider control panel. You have probably often seen a mass of these types of emails in you bulk folders when checking for email that you actually have consented to receive, as many emails are caught by spam filters even though they should not. The majority of spam you may receive will be of a sexual or gambling nature, however over the past few months I have noticed an ever-increasing number of scam emails asking for sensitive information, claiming to be someone they are not.

Paypal and eBay scams are a prime example of these types of emails known as “phishing scam emails”. The email will be along the lines of:

“We have noticed an irregularity in your account details and require you to update them immediately. Failure to do so will result in the permanent closure of your account”

You can see how these emails can be pretty alarming to an inexperienced internet user who may only occasionally use the internet to sell or buy items on eBay for example. Some of the emails will look very convincing, and will use the images and symbols of the respective company, however be very cautious and take heed to the following important point:

If you are unsure of the legitimacy of the email, do not follow any link contained within the email to an external website. Instead, type the website address that you know is correct into your browser directly, so that you are safe in the knowledge that you are not using a fraudulent website.

Failure to do this may result in your account being hijacked by the scammer; it’s as easy as this. You follow the link in the email to a website claiming to be, and also looking very much like one where you have an account. The website will ask you to input your username and password to access your account and voila, you will have now sent this information to the scammer, allowing them access to your account containing sensitive information about you.

Another type of email scam that has been very popular is where you are notified to be the very lucky winner of a lottery, even though you have never entered the lottery in the location claiming your success! This is where the example of a personal experience comes in. Many people reading this will be thinking “I’ll never fall for one of these scams”, however the unfortunate reality is that many people will do so. An elderly relative of mine received one of these lottery scams from Spain, and then insisted on following up with the email scam, even though they had never even entered the lottery draw. The only stumbling block was that the bank account details required, needed to be sent by fax, which she couldn’t do, and despite the frustration that this caused I of course refused to help send it.

There are measures that you can take to help avoid being targeted by spammers; a few have been mentioned here. However, in addition never reply to a scam email as it will notify them that the email address is live and also that you have read the email, leading to further spam.

Of course there are many other threats from spam that are not discussed here, such as viruses and trojans being sent via email attachments.

About the Author:
Justin Brown owns and runs http://www.spam-blocker-online.com where visitors can find spam blocker information and purchase anti spam software and books. He also runs http://www.idealauto.co.uk where you can sell or buy any.
Article Source: www.iSnare.com

How To Get Rid Of Spam Stock Market Tips

Junk email, spam, is getting worse than ever. Even with an anti-spam filter, some junk emails that show up in the inbox are disgusting, deceptive, and aimed to con you out of your money. In addition to traditional spam emails promoting medication, mortgage, pornography, new ones such as stock scams are growing. The deceptive and unsolicited nature of these e-mails qualifies them as spam.

Stock scams, combined with traditional spam techniques, can cause a significant financial loss to victims of these swindles.

You might have noticed that many spams are touting a particular stock. These touts are sometimes made as part of a Pump and Dump scheme. Pump-and-dump scams are email campaigns which encourage people to invest in a particular company's stock, in order to quickly inflate its value and enable the spammers to make a fast profit. It is thought that these scams take place unbeknown to the company involved. The purpose of the pump-and-dump stock spam is to quickly and cheaply disperse false information about a company's stock, along with information obtained from recent press releases, to potential investors. Usually this is a slimly traded stock on a small exchange for only pennies a share.

By implying that recipients of spam emails are in possession of privileged information – such as news of an acquisition before a general announcement – spammers seek to persuade the gullible into purchasing particular stocks. If a significant enough number of easily-led individuals invest in the touted stock, a spammer can ramp up the share price so that existing shareholders can sell their shares at a profit. But when the fraudsters dump their shares, and then stop advertising the stock, the price often falls, and investors ultimately lose their cash.

What to do if you get spammed? How not to become a victim of stock scams?

The first thing you can to protect yourself against stock scams on the Internet and against spam on the whole is to setup an anti-spam filter, which will filter your messages before you receive them into your inbox. Most pump-and-dump spam emails contain the words like "stock", "invest", "investor reports". But to bypass spam filters, spammers can use the variations of the word "stock" such as "st0ck" or "stox". So, if your inbox is flooded with penny stock tip, ignore it. Delete it. Do not believe anyone who tells you, "Invest quickly or you will miss out on a once-in-a lifetime opportunity." Just don't go thinking this is your big chance to hit pay-dirt. It is sounds too good to be true. The only ones profiting from these "spam e-mail tips" are the senders themselves – in this case spammers.

The history of the stock market has shown that the best and most trusted way to build wealth is to invest in high-quality businesses with excellent growth opportunites.

Investigate before you invest. Find out who sent the message to you. Ask whether the claims can be documented. Verify whether the claims are true before you send a nickel of your money.

But if you yielded to temptation and became a victim pf a stock scam, you can hire a lawyer to try to get your money back, but you need to know that recovery is rare. Just remember that the best protection is to take no action and stay away from bad deals in the first place.

About The Author:
Julia Gulevich
Author is a technical expert associated with development of computer software like AATools, G-Lock EasyMail, Anti-Spam Software. More information can be found at Anti Spam Filter Resources
Posted: 23-10-2006
Article Source: ArticlesBase.com

Five Scams You'll Want To Avoid

Many websites claim to offer home business opportunties. Some people do make money at home through online jobs, but many of these so-called opportunities are scams. How do you know the difference? Here are some tips for avoiding home business scams.

First, use some common sense. If you are looking because you're short on funds, it can be easy to talk yourself into believing the promises you will read online. Try to look at the offers objectively. Many scams try to convince you that you will become wealthy with little effort, and you might even see on the website that this is some "secret" for making money that is just now being revealed. Much later they reveal the cost for learning the secret. Before buying this kind of information, take a moment to wonder why it's being sold. If it's really that effective, the person selling it should be wealthy and not need to sell anything.

Second, don't get involved in a pyramid scheme. These are programs that pay you to recruit but don't really have a product to sell. You make money by getting other people to join the system. This only works for those who start the pyramid scheme, and is illegal in several states. Note that this is not the same as home party or similar plans where you get a percentage from what you sell in addition to a percentage from those you recruit.

Third, don't pay to stuff envelopes or make products. In fact, don't pay to work for anybody.

Forth, getting paid to do Survey's. While some companies may pay you, I have found that the majority do not. They offer a entery into a sweepstakes where "you could win" but in my experience the sweepstakes even has a catch as well where if you do win they want you to pay a registration fee of let's say $600.00 then you will get the "All inclusive trip for 2 to the Bahama's". Don't buy into it. There are way better things to waste your time on.

And lastly, anything with the word "Blaster" in it is a SCAM, unless you want your email filling up with spam don't do it. I had a campaign with Ad Blaster and I'm still unsubscribing to spammers.

Avoiding home business scams means avoiding anything that offers easy wealth. It also means avoiding paying to work for somebody. Don't expect anything online that makes no sense in the real world. Don't get scammed.

About the Author:
Brice Mattson
To Get the Best Internet Home Businesses, Work at Home Ideas and Opportunities visit: www.siriusfreehomebiz.com
Article Source: NewFREEArticles.com