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	<title>The Article Library &#187; Scams</title>
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		<title>An Intimate Glimpe At The Puppeteers Who Are Pulling Our Strings</title>
		<link>http://articlelib.com/culture-and-society/culture-and-society-scams/an-intimate-glimpe-at-the-puppeteers-who-are-pulling-our-strings.html#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
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		<pubDate>Thu, 01 Jan 1970 01:00:00 +0000</pubDate>
		<dc:creator>johannes4</dc:creator>
				<category><![CDATA[Scams]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Just the other day I was at my local cafe and could not help overhearing a conversation between a small group of hedge fund managers at a neighboring table.  One of the young Turks was addressing his fellows, complaining about how the media painted them as the enemy.  Another chimed in with a [...]]]></description>
			<content:encoded><![CDATA[<p>Just the other day I was at my local cafe and could not help overhearing a conversation between a small group of hedge fund managers at a neighboring table.  One of the young Turks was addressing his fellows, complaining about how the media painted them as the enemy.  Another chimed in with a remark about how they did not make the rules, nor did they break them, they merely worked them to their own advantage.  A third then pointed out that no competition is perfectly fair, there will always be winners and losers, so why whine about it? With that, the first speaker proposed a toast to finding a chair when the music stops.  </p>
<p>Bravo to the players! They are the masters of the universe, the winners in the big game.  They are the magicians who create the scams, draw in the suckers, and then take them for all they are worth.</p>
<p>As one looks around the table, they are all uniformly well tailored, well coifed, and self satisfied.  Each is unashamedly out for number one, but collectively they seem to form a kind of tribe.  The all share a rigid, boxlike worldview, in which a pie can only be sliced up so thinly, there are only hard facts, you either win or lose, things are either black or white, grey is for losers and posers.</p>
<p>The linear mindset, tribal tendencies, and the cult of narcissism are mutually reinforcing. Linear thinking lays the foundation for narcissism by viewing the world in terms of discrete elements, as opposed to an integrated whole. The less of a bond we feel with our neighbour the less likely we are to see the wisdom in attending to their interests. Looking out for number one becomes the only fixed point. As each of us lives our lives in this way, we naturally assume that that those around us think the same way. This creates a game of catch as catch can, do it them before they do it unto you. The tribal paradigm takes narcissism to the collective level. The tribe, dominated by narcissists may show solidarity towards the outside world, but will be a house divided against itself. The individual in this type of tribe views their fellow tribe members in one of two ways; as tools to be manipulated to further their own personal agenda, or as competitors vying for status within the group.</p>
<p>These three elements work together to generate our current worldview. The relative strength in the mix of each one of the three may vary from culture to culture, but the overall effect is always the same. </p>
<p>Each member of the tribe is placed in a position where they must choose between two options, complicity and exile. Fear, rather than mutual respect, becomes the glue that binds the group together. An example of this is when a questionable act is committed, which furthers the interests of the group. In these situations, the security of each individual requires that everyone in the group be culpable for the act. If this is not the case, than those who are innocent become witnesses, and therefore mortal threats, to those who committed the crime. </p>
<p>Perhaps the most famous example provided by history is the assassination of Julius Caesar by the senators. It was critical that all present, Brutus among them, drive their dagger into the aspiring tyrant. The same principle applies to any powerful group, be it a crime family, political party or the senior management of a large corporation.</p>
<p>Once the tribe member has been allowed in to the inner sanctum of the tribe, the choice between complicity and exile is illusory. The insider, by definition, knows too much. They have seen the backstage machinations, which underpin the myth. Should they share what they know with those on the outside they could threaten the entire status quo. Given that the group is a collection of narcissists, for whom all others are merely means to their own personal ends, should someone become a threat they would not find it difficult to justify doing what ever it took to protect their security. Consequently, an insider who breaks rank and attempts to get out faces the spectre of almost certain annihilation. This principle applies to a Wall Street investment banker no less than to a mafia king pin.</p>
<p>What if these puppeteers sitting around the table, so pleased with their stature in this world, were no less puppets than those they deceive;  perhaps even more so because they are forever the prisoners of their own delusions of grandeur.  They are like Rosencrantz and Guildenstern, bit players in a bigger drama, suffering from the delusions that they themselves are the antagonists.  The rest of us just might wake up from the grand illusion we all share, but they never will!</p>
<p><b>John Berling Hardy</b> is author of the e-book <b><i>&#8220;Have We Been<br />
Played?- The Hidden Game Revealed.&#8221;</i></b> The insights contained in<br />
this series give you the Edge. To find out more about the carefully<br />
guarded secret shared by all those who enjoy power and prestige visit<br />
<a href="http://www.playingtheplayers.com">Have We Been Played.com</a>.</p>
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		<title>How To Play The Players</title>
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		<pubDate>Thu, 01 Jan 1970 01:00:00 +0000</pubDate>
		<dc:creator>johannes4</dc:creator>
				<category><![CDATA[Scams]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[We all know these people, those slick, smooth manipulators who seem to get away with murder, do as little as humanly possible and end up living a life of ease and comfort. For a number of reasons our society is set up in such a way that it is very difficult for them to lose. [...]]]></description>
			<content:encoded><![CDATA[<p>We all know these people, those slick, smooth manipulators who seem to get away with murder, do as little as humanly possible and end up living a life of ease and comfort. For a number of reasons our society is set up in such a way that it is very difficult for them to lose. It is as if life was a huge game and they were the master players. What is the average person to do when confronted with such practiced charlatans?</p>
<p>At first glance, the players seem to have an absolute hold on the game they created.  They are the majority; they hold the higher ground and with it a permanent, built in advantage in.  What then is the outsider to do against such insuperable odds?</p>
<p>We need to find a strategy that allows us to play the game from a weaker position. The strategies that the players employ are all premised upon having the higher ground, having the advantage of leverage.  This is at once the strength and weakness of the status quo.  On a daily basis it affords them the luxury of being able to win consistently with relatively little risk or effort. </p>
<p>Meanwhile, they become dependent upon this advantageous position; and when the trump is removed from their hand, they really have no idea of how to cope with the situation they find themselves in.  They will usually resort to what they know; bluff and bluster, which only serve to worsen their predicament, as they amplify the downward spiral in which they find themselves.  The outsider, on the other hand, has no such advantage.  Therefore, we must rely upon intelligence and stealth, to create our good fortune.</p>
<p>Fortunately, players are particularly susceptible to being played.  The great majority of players are nothing more than one-trick ponies. The players never expect the sheep to use their own tactics against them. The reason for this is twofold. </p>
<p>Firstly, they are fully convinced that the rest of us are fools, and as such, incapable of believing that they could be up to something. Secondly, they do not believe that those outside their ranks have the requisite shrewdness to come up with schemes to counter their own.</p>
<p>On the surface, we seduce the player, lulling them into a false sense of security while we go about their undoing.  To do this, we must first develop ways of identifying them.  Next, we must learn to understand their nuances, so that we may differentiate between various types of players and thereby better attune our movements to theirs. Next, we observe their movements to discern the underlying pattern hidden beneath.  Players are always on their game. That is to say, they never let up in pursuing their hidden agenda.</p>
<p>Believing themselves to be infallible prevents them from learning from their mistakes. Add to this their lack of interest in anything that does not immediately benefit them, causes them to lack depth.  This then severely restricts their ability to be innovative when problems do arise.</p>
<p>Finally, not being able to engage in any situation in which they are not guaranteed success makes the player into a coward and further restricts their range of movement.  It is little wonder that the players need this elaborate ruse, called the hidden game; for without it they would have nothing, and be nothing.</p>
<p><b>John Berling Hardy</b> is author of the e-book <b><i>&#8220;Have We Been<br />
Played?- The Hidden Game Revealed.&#8221;</i></b> The insights contained in<br />
this series give you the Edge. To find out more about the carefully<br />
guarded secret shared by all those who enjoy power and prestige visit<br />
<a href="http://www.playingtheplayers.com">Have We Been Played.com</a>.</p>
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		<title>Nunzio: The Anatomy of the Player</title>
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		<pubDate>Thu, 01 Jan 1970 01:00:00 +0000</pubDate>
		<dc:creator>johannes4</dc:creator>
				<category><![CDATA[Scams]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Nunzio is an electrician, or more precisely, a master electrician, as he will make sure you know. He arrives at the job site in a shiny, late model pick up truck. His truck is white, and always immaculate. When Nunzio arrives on the site, he takes the time to finish his cell phone call, in [...]]]></description>
			<content:encoded><![CDATA[<p>Nunzio is an electrician, or more precisely, a master electrician, as he will make sure you know. He arrives at the job site in a shiny, late model pick up truck. His truck is white, and always immaculate. When Nunzio arrives on the site, he takes the time to finish his cell phone call, in a leisurely fashion, and then emerges from the truck, in a relaxed leisurely fashion. Nunzio is wearing designer jeans, designer boots, and a fitted sports jacket. From what I have described so far, you might think that Nunzio is an ass. This is, no doubt a fair description of Nunzio, however there is something about Nunzio, which is infectious. One cannot help liking Nunzio. </p>
<p>After the sales meeting, during which he stresses personal service to his clients, as his winning formula, you are not likely to hear from him until it is time for a progress payment. Despite being a master-electrician, Nunzio devotes his time to selling and collecting exclusively. </p>
<p>I have known Nunzio for several years. One of his favorite lines is: Johnny, I have got your back.  Over the years, one thing I have come to count on is that anytime I really do need Nunzio, he will give me a compelling reason why he cannot do what I am asking of him. At least, not right then. Despite this, in his own mind, Nunzio is fully convinced that he has had my back for a long time, for which he is owed a debt of gratitude. Gratitude is a bit of a sore spot for Nunzio. He spends a lot of time dwelling on how much he does for others and how little he receives in return. The construction industry is cyclical and contractors are going out of business all the time. Many truly worthy electricians close up shop. Nunzio not only endures; he thrives. Nunzio is a player!</p>
<p>Players come in all shapes and sizes. They can be the Wall Street tycoon, but they can just as easily be the local real estate agent, school principal, or, as in the case of Nunzio, a contractor. The degree of finesse with which they ply their trade may vary, but at heart they are all essentially the same. So then, what are these distinguishing features, which make the players so different from the rest of us?</p>
<p>Firstly, players are born, not made. The player is compulsive; they cannot but play. Their manipulations, their deceitfulness, their twisting and bending the truth to always reflect well on them and further their aims is more of a reflex than a conscious choice. Being a player is not a matter of choice, but destiny.</p>
<p>The player lies and manipulates with such facility that, in a very real sense, they cannot truly distinguish between fact and fiction. Their fabrications are as real for them as the veritable facts are for the rest of us. There is none among us who does not in some way bend the truth to suit. Nonetheless, even though our variations of a particular event may vary, they will not diverge completely. </p>
<p>For a player, the facts are the bare canvas upon which they paint masterpieces, which have only the vaguest relation to what actually took place. In a sense, the player is as mad as a hatter, but their particular brand of psychosis is so socially adaptive that if we were to brand them as insane, we would be indicting the entire society we live in. </p>
<p>One quality common to all players worth highlighting is an absolute absence of empathy.  This cannot be stressed strongly enough.  To say that players lack empathy is actually a gross understatement.  The player is wholly indifferent to the suffering of anyone but themselves.  Nunzio is completely blind to the fact that he never follows through on his extravagant commitments, yet he is acutely aware of even the pettiest slight to his reputation. To the extent that another strokes their vanity, or is useful in some way, they are tolerated.  If these conditions are, for whatever reason, no longer met, the other simply ceases to exist. </p>
<p>Another quality that players share is an uncanny ability to stay on message. Be it O.J. Simpson protesting his innocence, or Dick Cheney justifying the Bush doctrine, they live by the famous quote from Talleyrand: he who excuses himself, accuses himsel. No matter what information is provided to refute their claims, they stick to their guns to the bitter end.  As much as this sounds pathological, it actually works very much in their favor.  The sheer relentlessness, with which they maintain their position, eventually makes us unsure of our own.</p>
<p>Players have a healthy disdain for anything approximating work. Be it creative, intellectual or menial, it is simply below them. You will always find them well away from the din of battle. They occupy themselves with selling, promoting, and marketing on the one side and with all things related to money, on the other. Anything between the two, the actual creation of the product, for instance, is of no interest to them. Being free from the pressures most of us experience in trying to meet deadlines and just keeping on keeping on, players are the picture of cool, unwavering composure; never in a rush, never flustered, and never busy.</p>
<p>Players are naturally drawn to wealth and power. It makes sense that those jobs, social settings and tribes with the highest status will attract the greatest concentration of players. </p>
<p>So the next time you watch a sales pitch on television, a political address, or a sermon from a charismatic preacher, take amount and ask yourself : Is this a player? Am I being played?</p>
<p><b>John Berling Hardy</b> is author of the e-book <b><i>&#8220;Have We Been<br />
Played?- The Hidden Game Revealed.&#8221;</i></b> The insights contained in<br />
this series give you the Edge. To find out more about the carefully<br />
guarded secret shared by all those who enjoy power and prestige visit<br />
<a href="http://www.playingtheplayers.com">Have We Been Played.com</a>.</p>
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		<title>Investigators Probing Slip and Fall Accident Scam</title>
		<link>http://articlelib.com/culture-and-society/culture-and-society-scams/investigators-probing-slip-and-fall-accident-scam.html#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
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		<pubDate>Thu, 01 Jan 1970 01:00:00 +0000</pubDate>
		<dc:creator>rreeves</dc:creator>
				<category><![CDATA[Scams]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Investigators in Wisconsin and Illinois are looking into a widespread slip and fall accident fraud involving at least 60 claims.
According to the Chicago Tribune, the scam was easy to operate. The fraudsters worked in groups, and while one person placed liquid or paper on the floor of a retail store, another person would step on [...]]]></description>
			<content:encoded><![CDATA[<p>Investigators in Wisconsin and Illinois are looking into a widespread slip and fall accident fraud involving at least 60 claims.</p>
<p>According to the Chicago Tribune, the scam was easy to operate. The fraudsters worked in groups, and while one person placed liquid or paper on the floor of a retail store, another person would step on it, slip and fall. A third person would act as a lookout to ensure that store employees remained unaware of the accident. They would then file a claim for a slip and fall accident resulting in an average payout of between $4,000 to 8,000. The scam involved 33 people who seem to have filed at least 60 fraudulent claims with 16 insurance companies that targeted big retailers in Illinois and Wisconsin between August of 2005 and February of this year.</p>
<p>Insurance investigators initiated a probe after they began to notice frequent and suspicious claims. Officials at Zurich North America have said that they worked with postal inspectors to unravel the scam. According to officials at Zurich North America in Schaumburg, the con artists would strike as often as three times a day. A US attorney has been assigned to the case, and so far, no arrests have been made. The con artists filed the case under the retailer&#8217;s medical payment policy, meaning that they had compensation checks directly mailed to the clinic.</p>
<p>According to Steve Bernas, who is the president and chief executive officer of Better Business Bureau, he has seen an increased number of scams with the economic recession. In fact, Bernas says that the number of frauds he sees right now are much higher than at any previous time in the 22 years he&#8217;s  been with the Better Business Bureau.</p>
<p>California premises liability lawyers constantly represent victims injured in a slip and fall accident and other premises liability claims. News of this fraud is extremely distressing. Premises liability lawyers frequently come across people who have been seriously injured with fractured bones, head injuries and back injuries through unsafe conditions in retail stores, hotels, malls and other public areas. These people deserved to be rightfully compensated for the injuries, and when scammers pull a fast one on the authorities, it makes it that much harder for genuine victims to obtain the justice they deserve.</p>
<p>A slip and fall accident is just one way a person can be injured on another person&#8217;s premises. However, this is the most common mode of injury. Premises owners are required to make sure that walking surfaces are slip resistant, spaces are well illuminated and that stairways and other areas are safe to use.  There must be adequate guardrails and hand rails to prevent accidental falls, and any spills must be mopped immediately. Store shelves must be stacked safely to prevent goods from toppling over.</p>
<p>Besides slip and fall accidents, premises owners are also required to reasonably secure their premises, and help prevent the possibility of violent assaults and rapes on visitors, guests, shoppers, patients, diners and other people on the premises.</p>
<p>The Reeves Law Group is a law firm with offices throughout California dedicated exclusively to the representation of personal injury victims Please visit our website at<br />
<a href="http://www.trlglaw.com/">trlglaw.com</a>. If you desire a free consultation on a personal injury matter, please call us at (800) 644-8000 or <a href="http://www.trlglaw.com/CM/Custom/Contact.asp">email us</a>.</p>
<p>The Reeves Law Group is not acting as legal counsel for any party in the matters discussed in this posting.</p>
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		<title>The Real Secret Revealed</title>
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		<pubDate>Thu, 01 Jan 1970 01:00:00 +0000</pubDate>
		<dc:creator>johannes4</dc:creator>
				<category><![CDATA[Scams]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[While some people try so hard to get ahead in life, barely keeping their head above water, others have a secret edge, effortlessly getting whatever they want. At best, these winners are mediocre imbeciles, yet they rise to fame and fortune while the virtuous and talented fall by the wayside.
Could there be some other force [...]]]></description>
			<content:encoded><![CDATA[<p>While some people try so hard to get ahead in life, barely keeping their head above water, others have a secret edge, effortlessly getting whatever they want. At best, these winners are mediocre imbeciles, yet they rise to fame and fortune while the virtuous and talented fall by the wayside.</p>
<p>Could there be some other force at work here? Could there be a hidden game that circumvents the rules we learned as children?</p>
<p>Imagine being in a dark room full of people. With your natural eye you can barely make out their silhouettes, but with night vision goggles, you would have an advantage over the entire crowd. </p>
<p>If you are one of those whose head is barely above water, I offer you a pair of social-vision goggles, so to speak, a peek at the real secret.  </p>
<p>You see, there is a game being played right before our very eyes, a game most of us will never see. We find it around the water cooler at work. We find it with the regulars down at the local bar. We even find it in our own homes around the dinner table at holiday dinners.</p>
<p>Life is too often a game designed to lure in the suckers. Those among us who are the most virtuous, the most diligant and most decent are are the ones who often end up the loser. Those who believe in fair play; that what goes around comes around, place themselves at an enormous disatvangage in the game.</p>
<p>While we, the rank and file, are busy grasping at the brass ring, a small group of insiders, the players, are coolly and cynically, manipulating the strings.These are the people who ride the slipstream of those more talented than themselves, and then conspire with others to dispace the trailblazer and place themselves at the helm.</p>
<p>Players take the better share of the rewards life has to offer: the beautiful homes, the cars, the svelte spouses, and leave the rest for us to fight over the crumbs.</p>
<p>Most life-skills coaches seem to ignore this reality, preferring to preach the gospel of goals, positive attitude and focused application of our strengths, and there is some merit to such an approach. It is true that without a goal we have no direction, and without skills based on your strong suit, no success is sustainable. So yes, with a life-skills coach you could grab a few more crumbs than your neighbor. However, that approach alone will still keep you in the dark as to what is really going on around you. As you rejoice over your newly acquired crumbs, the Players slip by unnoticed, their hands full of stolen goods.</p>
<p><b>John Berling Hardy</b> is author of the e-book <b><i>&#8220;Have We Been<br />
Played?- The Hidden Game Revealed.&#8221;</i></b> The insights contained in<br />
this series give you the Edge. To find out more about the carefully<br />
guarded secret shared by all those who enjoy power and prestige visit<br />
<a href="http://www.havewebeenplayed.com">Have We Been Played.com</a>.</p>
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		<title>Disneyland Packages: Beware of Scam Artists!</title>
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		<pubDate>Thu, 01 Jan 1970 01:00:00 +0000</pubDate>
		<dc:creator>julianlenox</dc:creator>
				<category><![CDATA[Scams]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Visiting Disney can be a graceful and magical experience in the life of any child or adult. For many children, going to Disney is like a dream come true. And as much as parents want their children to experience that dream, prices and costs do not help. That is why people tend to fall for [...]]]></description>
			<content:encoded><![CDATA[<p>Visiting Disney can be a graceful and magical experience in the life of any child or adult. For many children, going to Disney is like a dream come true. And as much as parents want their children to experience that dream, prices and costs do not help. That is why people tend to fall for scam artists offering great and unbelievable prices for Disney packages.</p>
<p>Not long ago, a woman was arrested for selling fake Disney vacation packages. She operated through Craiglist website through a fake name. She collected over seven thousand dollars from her victims and failed to provide the vacation package she advertised on the website. </p>
<p>Another company you should be aware of is Holiday Management Group. They contact their victims through unsolicited faxes offering great deals for Disney vacation packages. According to these faxes, if you purchase their package you will be saving up to five hundred dollars. The only thing they ask in exchange for that great deal is that you take a real estate tour and listen to a 2 hours sales speech.</p>
<p>The vacation package this company offers is called a Touch of Magic. These passes do not exist. This company is not associated in any way with Disney. Skybus, is an online company that offers many products. Among them, they offer Disney Vacation packages, which are really inexpensive. When you select on the website the option to purchase this package, it will redirect you to a page with a phone number for you to call. </p>
<p>Once you call this number, an agent will &#8220;assist you&#8221;, and try to get as much information about you as possible, ranging from your marital status to your monthly income. Of course that information is not relevant to the purchase of a Disney vacation package. </p>
<p>But it is relevant for this company, since what they are really trying to do here is to sell you a time share package, and they will do whatever is necessary to get you to go to their presentation. Scam artists are very clever and they know exactly what to do to get your money. </p>
<p>So the brightest thing for you to do is research. Make sure you are working with legitimate companies or agencies. Disney vacation packages can save you lots of money, but be realistic, if the package you are looking to buy seems suspiciously cheap, do a little digging. </p>
<p>Sometimes what seems to be cheap ends up being more expensive than regular price packages. This does not mean that you should avoid all Disney vacation packages; it only means that you should make sure you are working with legitimate agencies.</p>
<p>CEO of <a href="http://www.advertizia.com">Advertizia</a>, Julian J. Lenox writes articles and website reviews for <a href="http://www.travel-and-tourism-top100.com">Travel and Tourism Top 100, a websites reviews repository specializing in tourism</a>. Sources for this article: <a href="http://www.disneyland-packages.com">Disneyland Packages</a>.</p>
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		<title>Avoiding Fraud When Accepting Online Payments</title>
		<link>http://articlelib.com/culture-and-society/culture-and-society-scams/avoiding-fraud-when-accepting-online-payments.html#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
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		<pubDate>Thu, 01 Jan 1970 01:00:00 +0000</pubDate>
		<dc:creator>anutt1</dc:creator>
				<category><![CDATA[Scams]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[If you run an online business, fraud is one of your biggest fears. You lose money and products when fraudulent purchases are made, and sometimes it feels as though there is nothing you can do to fight it. While fraud is a very real problem, there are things you can do to fight if you [...]]]></description>
			<content:encoded><![CDATA[<p>If you run an online business, fraud is one of your biggest fears. You lose money and products when fraudulent purchases are made, and sometimes it feels as though there is nothing you can do to fight it. While fraud is a very real problem, there are things you can do to fight if you do your homework beforehand.</p>
<p>Recognize Fraudulent Orders</p>
<p>While you may not be able to recognize all fraud, there are some clues to watch for. Look out for orders with the following characteristics:</p>
<p>- Placed late at night<br />
- Orders for huge volumes of merchandise<br />
- Address that does not match credit card billing address<br />
- ISP in a different area than the customer&#8217;s address<br />
- Email addresses from free email programs that are not assigned an ISP<br />
- Repeat purchases using a credit card number with different expiration dates</p>
<p>Obviously, it would be impossible to block all attempts that had some of these characteristics, but if you can learn to identify them, you may be able to fight back.</p>
<p>Fighting Fraudulent Credit Card Purchases</p>
<p>When fighting fraud, you must look for a balance between fighting crooks and making it possible for people to make purchases without going through too many loopholes. Remember, requiring your customers to do too much to prove their identity may cause them to not make the purchase, thus lowering your profits. You will have to decide what steps to take, but consider these:</p>
<p>- Require customers to provide full information, including phone numbers and billing address.<br />
- Consider calling customers using the phone number they provide in order to verify their identity and the fact that they placed the order. If you do this right, the customer will not mind, because they will view it as an attempt to protect them from identity theft.<br />
- Use a database to block credit card numbers that are identified as high-risk.<br />
- Ask for the security number on the card. On MasterCard or Visa cards, this is on the back on the signature lines. It is on the front of American Express cards.<br />
- Consider blocking customer who use free email programs. Keep in mind that this will hurt many legitimate sales, because millions of people use these as their primary email addresses.<br />
- Ask customers to use an online payment gateway like PayPal that provides some protection from fraud.<br />
- Delay delivery until the payment clears.<br />
- Never offer cash or check refunds. Some scammers will make a credit card purchase on a fraudulent card, then immediately ask for a refund via check or cash. If refunds are required, put the money back on the card.</p>
<p>Go through this list, and put in place the protections you feel comfortable with. Remember, you may not be able to avoid all fraud, but with the right steps, you can prevent much of it, protecting yourself and your customers. When you do face fraud, remember that even the best traditional merchants occasionally deal with it, so fight the crook as well as you can, put extra security in place, and move on. There are more sales to be made and more money to earn!</p>
<p>Leading <a href="http://www.moneris.com">credit card processing</a> company securely process <a href="http://www.moneris.com">online payments</a> with confidence and avoid fraudulent payments by using trusted merchant services.</p>
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		<title>ID Theft: Now, You Can Be Copied Too</title>
		<link>http://articlelib.com/culture-and-society/culture-and-society-scams/id-theft-now-you-can-be-copied-too.html#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
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		<pubDate>Thu, 01 Jan 1970 01:00:00 +0000</pubDate>
		<dc:creator>BillNBPI</dc:creator>
				<category><![CDATA[Scams]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Identity theft, or ID theft, has become the bane of modern society and its propensity to keep personal and public records online and in different institutions. In the yesteryears, identity theft was kept at a minimal level because physical, tangible records were in use, such as paper and documents, and that no one ever thought [...]]]></description>
			<content:encoded><![CDATA[<p>Identity theft, or ID theft, has become the bane of modern society and its propensity to keep personal and public records online and in different institutions. In the yesteryears, identity theft was kept at a minimal level because physical, tangible records were in use, such as paper and documents, and that no one ever thought of combining a persons medical, financial, personal, or criminal information in a single file. </p>
<p>With the advent of technology however, man has come up with ways to make transactions and identification more easy and convenient within all sectors of society. With the right user name, password, E-mail address, bank account number, PIN codes, or credit information, any authorized institution of the Western world can access a persons financial information and hordes of confidential data. Society is only one step away to consolidating a persons information into a single account, and jumbles them all together within a supposedly impenetrable database of sorts. </p>
<p>Malicious people, hackers, and identity stealers are in no short supply however. It is the nature of men to destroy what they have built. And so, in the increasingly wired world we live in, and the information that flows between the channels, it is only a matter of time before someone, somewhere, intrudes through the channels of information and steals somebody elses identity. </p>
<p>Identity theft is defined as a criminal action that seeks to use, in a deceitful way, another persons identity for unlawful financial or medical gain, or simply to evade lawful authorities. Whatever the type of ID theft, the impetus behind the criminal act is always to exploit the resources and privileges of the victim, or implicate the victim with particular sort of unlawful act. </p>
<p>Actually, identity theft is a misnomer, since nobody can really steal an intangible concept such as an identity. Identity thieves can only use another persons identity. There are fives ways in which identities can be used. One is for business or commercial exploits. A common practice is to use another financial institutions identity to secure a credit. </p>
<p>Second is masquerading as someone else to get a persons financial information for his own use either to withdraw funds or to obtain goods and services in the name of the victim. Third is for a criminal to assume an identity to acquire medical benefits. The unlawful user can steal an identity and use the medical privileges of the victim such as medicine, health insurance benefits, medical care, and use them for his/her advantage. </p>
<p>Fourth, criminals can use another persons identity when apprehended for a crime. Through the use of a victims public records or through a fake ID, a criminal can present that information to the authorities and not come later for the court hearing. Being scott-free, the criminal can elude the authorities for another time. </p>
<p>Fifth is the use of another persons identity for use in day-to-day life. With this type of ID theft, one can partially or completely assume the identity of another person in various areas of life; from important things such as shopper information, to something as trivial as a social networking account.</p>
<p>Matthew Stanton writes an article about an ID Theft and why it is important for people to know about this crime and what it can do to their lives. Simply visit this site for information at http://www.identitytheftlabs.com/</p>
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		<title>Foreclosure Scams You Need To Know</title>
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		<pubDate>Thu, 01 Jan 1970 01:00:00 +0000</pubDate>
		<dc:creator>zakskinner</dc:creator>
				<category><![CDATA[Scams]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[The collapse of the housing market coupled with the meteoric rise in consumer debt has dramatically increased the number of annual foreclosures. Last year there were both record number of home foreclosures and bankruptcies reported across the US. Those who endure the hardship of foreclosure face possible loss of their home and this in turn [...]]]></description>
			<content:encoded><![CDATA[<p>The collapse of the housing market coupled with the meteoric rise in consumer debt has dramatically increased the number of annual foreclosures. Last year there were both record number of home foreclosures and bankruptcies reported across the US. Those who endure the hardship of foreclosure face possible loss of their home and this in turn causes them to seek out assistance.</p>
<p>Those facing foreclosure face tremendous emotional distress much more so than those facing bankruptcy. The extraordinary stress of foreclosure causes ones judgment to become clouded and makes it easy to fall victim to scammers.</p>
<p>It always astonishes me that no matter how bad off an individual might be there is inevitably another individual willing to exploit that persons suffering for their own financial gain. Con artists and scammers have wasted no time in preying upon the extraordinary distress of those facing foreclosure.</p>
<p>Scammers attempting to siphon money from those facing foreclosure primarily rely upon two scams: the equity scam and the fake counseling scams. </p>
<p>An equity scam is where an unsolicited offer is made to those facing foreclosure to find a buyer for their homes and immediately solve their financial problems. The individual making the offer will even offer to take over the debt in exchange for their deed to the house.</p>
<p>Once the house is deeded over to the scammer, the house is then rented out while the foreclosure proceedings remain in progress. Foreclosure proceedings can take many months offering the scammer the potential to earn thousands. Those who deeded over the home ultimately do not discover the scam until their home has been auctioned off. They are then stuck with the original mortgage debt and the loss of their home.</p>
<p>With the fake counseling scam, an unsolicited offer is made for expert advice and assistance in exchange for a small fee. The &#8216;experts&#8217; will then figure out a way to reduce your monthly payments and even reduce the original mortgage debt. What really ends up happening is that the money is turned over to experts who offer advice that could have found freely been on the Internet.</p>
<p>Often times the consulting fees for such a service can cost hundreds and even thousands of dollars. The best a consultant can really do is get you a short grace period, usually of no more than a couple of months. Again, information for the grace period could have easily been retrieved from the internet or by a quick trip to the local library.</p>
<p>The easiest way to avoid being scammed while enduring foreclose is to remember the golden rule marketing; if it sounds to good to be true, it probably is. If someone offers &#8216;expert&#8217; advice and assistance, you should do a search for the information they provide on the internet. More than likely you will find the very same information that the &#8216;experts&#8217; have access to but without the price tag.</p>
<p>If you need more foreclosure help then quickly head over to <a target="_new" href="http://elite-webmarketing.com/foreclosurehelp/"> Foreclosure Help and Advice</a> where you will find helpful foreclosure tips, advice and resources including information on foreclosure plans, negotiating and more Foreclosure Information.</p>
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		<title>How To Get A Reliable Emergency Cleaning Service Provider</title>
		<link>http://articlelib.com/culture-and-society/culture-and-society-scams/how-to-get-a-reliable-emergency-cleaning-service-provider.html#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
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		<pubDate>Thu, 01 Jan 1970 01:00:00 +0000</pubDate>
		<dc:creator>breezer46</dc:creator>
				<category><![CDATA[Scams]]></category>

		<guid isPermaLink="false"></guid>
		<description><![CDATA[Homeowners who are facing a cleaning crisis are desperately in need of any help or assistance that they can get. This is because many homeowners are very busy with their jobs and other personal activities. Promises of efficient service by many emergency cleaning service providers can be very enticing to a homeowner who has a [...]]]></description>
			<content:encoded><![CDATA[<p>Homeowners who are facing a cleaning crisis are desperately in need of any help or assistance that they can get. This is because many homeowners are very busy with their jobs and other personal activities. Promises of efficient service by many emergency cleaning service providers can be very enticing to a homeowner who has a lot of cleaning tasks waiting at home. Thus, it is very easy for homeowners to fall prey to the many fraudulent acts and gimmicks perpetrated by shrewd emergency cleaning scammers.</p>
<p>To avoid being victimized by con artists or real cleaners who perform unsatisfactory jobs, homeowners must remain vigilant and must watch out for the empty promises and unproven claims of some providers.</p>
<p>The following tips must be kept in mind when hiring an emergency cleaning service company:</p>
<p>1. Find out if they are legal and are authorized to operate in your locality. This means that you have to check if they have a business license that is valid and effective in your place. If they do, this means that they have met the minimum standard for operation of such business and that they are at the very least qualified and capable to perform their cleaning job.</p>
<p>2. Check your insurance policy and see if you have sufficient coverage in case anything accidents happen during the performance of the cleaning service. Your insurance should be enough to cover big structural damages as well as the small ones. Any bodily injury during the occasion must also be covered by the insurance policy.</p>
<p>3. Check the insurance policy of the cleaning company as this is another form of guarantee that they will be careful and meticulous in the performance of their services. It will also lighten any financial responsibility that may be put on your shoulders if any structural damage or personal injury occurs in your home in the course of the cleaning.</p>
<p>4. Request from the emergency cleaning service company a list of the complete names of their employees who will be entering your home and performing the service. This will allow you to do a background check on the profiles of such individuals. It is important that the people you let into your home have no relevant criminal records as this may prove to be unsafe for your family. It will also put your belongings at risk of being stolen especially if you will be out when they do the cleaning.</p>
<p>5. Carefully read any contract or agreement that you sign with the cleaning company so that you know what responsibilities they can be made accountable for. You should also ask for the total cost of the job so that you will not be charged with any surprise expenses in the course of the service.</p>
<p>Richard Barthallo shares How-To tips and other information for <a href="http://www.emergencycleaningservicelouisville.com">Emergency Cleaning Service Louisville</a> and <a href="http://www.emergencycleaningservicehartford.com">Emergency Cleaning Service Hartford</a></p>
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