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Investor Beware: Essential Tips to Prevent Investment Fraud

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Investment Fraud

Investing is a great way to secure your financial future, but it’s important to be wary of the many fraudulent schemes that exist. Understanding the risks and staying vigilant are crucial to safeguarding your assets. Let’s delve into the world of investment scams and offer practical tips to avoid them.

Know Your Enemy: Common Investment Scams

Understanding the tricks of the trade is the first step in outsmarting fraudsters. Be wary of these classic schemes:

  • The “Miracle Cure” Investment: Offers sky-high returns on obscure or new industries, often with buzzwords like “biotech” or “cryptocurrency.” Remember, if it promises overnight riches, it’s probably a mirage.
  • The Insider Scoop: Scammers claim to have “exclusive” tips on the next hot stock. In reality, they want to inflate the price for their own gain, leaving you holding the bag.
  • The Friendship Con: Fraudsters build trust and exploit personal connections to get you to invest in their bogus schemes. Sympathy and friendship don’t translate to sound investments.
  • Ponzi schemes: Early investors profit from later investors’ money, not actual earnings.
  • Pump-and-dump schemes: Scammers inflate stock prices artificially, then sell their shares for vast profits.
  • Pyramid schemes: Profits depend on recruiting new members, not legitimate sales.

Beyond the Basics: Identifying Sophisticated Scams

While it’s essential to master recognizing classic Ponzi schemes or pump-and-dumps, fraudsters are constantly evolving more advanced techniques. Here are some to keep on your radar:

  • Affinity Fraud: This insidious scheme targets specific groups, exploiting shared affiliations like religion, ethnicity, or profession. Fraudsters build trust within the community, making it harder for victims to see the deception.
  • Boiler Room Operations: High-pressure phone sales are a hallmark of this tactic. Scammers use urgency (“act now!”) and promises of incredible gains to rush investors into bad decisions. Never invest based on a cold call.
  • Fake or Manipulated Testimonials: Social media and online reviews are easily faked. Don’t believe investment “success stories” without verified proof. Look for credible sources or seek opinions from financial advisors.
  • Spoofed Websites and Emails: Fraudsters create highly convincing replicas of legitimate businesses or financial institutions. Always double-check URLs, and don’t click links in suspicious emails.

The Disguises of Investment Fraud

Scams aren’t confined to shady “get-rich-quick” schemes. Beware of these seemingly legitimate areas that can be misused:

  • Alternative Investments: Things like real estate, art, or precious metals aren’t inherently fraudulent, but their complex valuation and illiquidity make them prime targets for scams. Do extensive due diligence before entering such markets.
  • “Green” or Socially Responsible Investing: Scammers exploit noble intentions by promoting fraudulent ventures using buzzwords like “sustainability.” Remember, good causes don’t override the need for sound investment principles.
  • Cryptocurrency: While the sector holds potential, it’s rife with unregulated projects and “pump-and-dump” schemes. Treat hyped-up cryptocurrency investments with extreme caution.

Your Anti-Fraud Toolkit

You don’t need a detective badge to protect yourself. Develop these simple habits:

Building Your Fraud-Fighting Arsenal

Beyond the basics of skepticism and research, your anti-fraud toolkit should include specific proactive measures:

  • The Background Check: Before you hand over a single dollar, perform a thorough check on individuals and companies. Resources like the SEC’s https://Investor.gov and FINRA’s BrokerCheck: https://BrokerCheck.finra.org let you verify if brokers or firms are registered and if they have any disciplinary history.
  • Follow the Money: Request clear documentation outlining where your money is going, how it’s being used, and the exact fees involved. Legitimate investments have transparency; fraudsters thrive on obscurity.
  • Get it in Writing: Never rely on verbal promises. A reputable investment opportunity will have formal agreements that detail terms, risks, and exit strategies. Have a financial advisor or attorney review documents before signing.

Sharpening Your Detection Skills

Develop these specific habits to improve your ability to spot fraudulent schemes:

  • Listen for Red Flag Words: Buzzwords like “guaranteed,” “risk-free,” “exclusive,” or “secret” are often used to trigger emotional responses instead of rational thinking.
  • Scrutinize Sales Tactics: Pushy brokers, manipulative language (“everyone’s investing”), and limited-time offers create artificial urgency; walk away from these sales techniques.
  • The Too-Smooth Story: If an investment’s past performance has only ever gone up with no setbacks, this is a major red flag. All markets have fluctuations, so perfect track records are highly unlikely.

Technology as Your Ally (and Potential Foe)

  • Password Protect: Implement strong, unique passwords across all financial accounts and change them regularly. Use two-factor authentication whenever possible.
  • Beware of Public Wi-Fi: Avoid accessing investment accounts on open networks – these are vulnerable to hackers.
  • Software Security Matters: Keep antivirus and anti-malware software on your devices up-to-date.

It’s Your Money, Fight for It!

Falling prey to an investment scam can be financially devastating and emotionally crushing. It’s easy to feel ashamed, isolated, or paralyzed. But, channeling those emotions into proactive steps can help you recover and protect others.

What to Do if You Suspect Fraud

  1. Act Quickly: The sooner you report fraud, the better the chances of potential recovery and stopping scammers from harming others. Don’t delay out of fear or embarrassment.
  2. Gather Documentation: Collect all possible evidence related to the scam: emails, brochures, bank statements, transaction records – anything that supports your claim.
  3. File Official Complaints: Here are the essential agencies to contact:
    • Securities and Exchange Commission (SEC): Use their online complaint form (https://www.sec.gov/tcr) or hotline for securities-related fraud.
    • Federal Trade Commission (FTC): Report general consumer fraud: https://ReportFraud.ftc.gov.
    • State Securities Regulator: Find your state’s agency through NASAA (https://www.nasaa.org).
    • Law Enforcement: Involve local police or the FBI’s Internet Crime Complaint Center (IC3) (https://www.ic3.gov) for potentially criminal acts.

Beyond Reporting: Seeking Recourse

  • Consult an Attorney: An attorney specializing in investment fraud can help you understand your legal options and fight to recover lost assets.
  • Consider Mediation or Arbitration: Some regulatory bodies offer these alternative dispute resolution processes, which may be faster and less costly than lawsuits.
  • Look for Support Groups: Connect with others who’ve been affected by investment fraud. Shared experiences provide emotional support and practical advice.

Staying Ahead: Additional Resources

To stay up-to-date on the latest fraud trends, be sure to use these resources:

  • SEC Investor Alerts (https://www.sec.gov): Official warnings about new or ongoing scams.
  • FINRA (https://www.finra.org): This regulatory body has dedicated sections on investor protection and how to spot red flags.
  • State Securities Regulators (https://www.nasaa.org): Find contact information for reporting fraud at the state level.

The Ripple Effect – Why Speaking Up Matters

  • Protect Others: Your report contributes to a database that helps regulators identify patterns and issue public warnings, potentially preventing future victims.
  • Shame the Scammers: Filing official complaints and sharing your story (anonymously if desired) forces fraudsters to operate in the shadows, limiting their reach.
  • Reclaim Your Power: Taking action is an important step in emotional healing and reasserting control over your financial life after a devastating experience.

Don’t Give Up the Fight

While recovering assets is never guaranteed, reporting scams is vital. It helps build the case against fraudsters and, in some cases, may lead to partial restitution.

Key Takeaways

  • You are not alone: Fraud happens even to careful investors. Don’t let embarrassment stop you from taking action.
  • Your voice matters: Reporting contributes to the larger fight against financial crime and empowers others to speak out.
  • Resilience is possible: While the impact of fraud can be severe, with determination and resources, you can rebuild your finances and confidence.

The Smart Investor’s Mindset

Don’t let fear paralyze you. Instead:

  • Educate Yourself: Stay updated on scams through news, investor websites, and regulatory advisories.
  • Diversify: Spreading your investments lowers your overall risk if one venture fails.
  • Gut Check: If it feels wrong, walk away. Your instincts are often your best ally against fraud.

Final Word

Protecting your wealth isn’t just about picking the right investments, it’s about adopting a vigilant mindset. Remember, wolves love unsuspecting sheep. Take these proactive steps to stay ahead of investment fraudsters, outsmarting them at their own game and securing your financial future.

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Tax Identity Theft: What You Need To Know For 2023

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Tax Identity Theft

Tax identity theft is on the rise, with thieves using stolen personal information to file fraudulent tax returns and claim refunds. According to the IRS, tax identity theft impacted over 2 million Americans in 2022, and the numbers are expected to rise in 2023.

How Tax Identity Theft Occurs

Thieves get your personal information like your name, Social Security number, address and birthdate through methods such as:

Stealing wallets and mail: Thieves steal wallets, bank statements, tax documents and other mail to get sensitive data.

Hacking computers: Thieves hack into computers and servers to gain access to personal information. Phishing emails with malicious links or attachments are a common tactic.

Scamming individuals: Thieves call, email or text pretending to be from companies like the IRS, tax software providers or credit bureaus to trick people into providing personal details.

Data breaches: When companies or organizations suffer data breaches, personal information can end up for sale on the dark web where thieves purchase and use it.

Public records: Thieves access personal information found in public records and online profiles from sources like social media platforms, public databases and ancestry websites.

With information in hand, thieves then use victims’ names and Social Security numbers to file fraudulent tax returns, claiming refunds and committing other crimes like opening credit cards.

Signs You May Be a Victim

There are a few warnings that may indicate you have become a target of tax identity theft:

•Your tax return is rejected because one was already filed using your information.

•You receive a notice from the IRS indicating you have additional income or tax liability not reported on your actual filed return.

•Your expected tax refund never arrives.

•Collection notices are sent to you for taxes you didn’t actually owe.

•You detect unknown activity in your financial accounts like unauthorized use of your Social Security number to gain employment or open credit cards.

Tax Identity Theft: Most Q&A for 2023

Tax identity theft is on the rise, with thieves using stolen personal information to file fraudulent tax returns and claim refunds. Here are 10 things you should know about tax identity theft in 2023:

  1. What is tax identity theft? Tax identity theft happens when someone steals your personal information like your Social Security number to file a fraudulent tax return in your name to claim your refund.
  2. How common is tax identity theft? The IRS has seen a surge in tax identity theft in recent years. In 2023, the IRS expects tax identity theft to impact over 2 million Americans.
  3. How do thieves steal identities? Thieves get your information by stealing wallets and mail, hacking computers, and scamming individuals for information. They then use it to file false tax returns.
  4. What information do thieves target? Thieves look for full names, birthdates, Social Security numbers, addresses, bank account numbers, and other financial data.
  5. How can I tell if I’m a victim? Watch for signs like rejection of your tax return, notices that your return has already been filed, refunds that don’t arrive, or IRS notices showing income you didn’t earn.
  6. What should I do if my identity is stolen? File a police report, contact credit bureaus to request fraud alerts and credit freezes, file a complaint with FTC, and contact the IRS Identity Protection Specialized Unit.
  7. How can I prevent tax identity theft? Shred sensitive documents, protect personal information online and on devices, use strong and unique passwords, be wary of phishing emails and malicious links, and file your tax return as early as possible.
  8. Should I worry if I haven’t filed yet this year? While filing early is best, don’t panic if you haven’t filed yet. Just take extra precautions reviewing returns for errors, and be on alert for signs of fraud if issues arise.
  9. What is the IRS doing? The IRS has strengthened security with fraud filters, authentication processes and prevention partnerships with companies and banks. But thieves continue to adapt, so individuals must remain vigilant.
  10. What tax software is safest? Major tax software providers like TurboTax and H&R Block use security encryption and IRS-approved fraud protection. But no method is 100% foolproof, so safe computing practices are still important.

Preventing Tax Identity Theft

Here are some important tips to help prevent tax identity theft:

File your tax return as early as possible. Filing early helps prevent thieves from filing a fraudulent return in your name first.

Use a secure internet connection. Public Wi-Fi networks are not safe for transmitting personal or financial information. Always use a secured private network.

Use tax preparation software with multi-factor authentication. Products like TurboTax and H&R Block offer enhanced security options like multi-factor authentication which helps verify your identity.

Be wary of phishing emails and malicious links. Never click links or download attachments from unsolicited messages claiming to be from the IRS, tax software companies or credit bureaus. These can contain malware to steal your data.

Shred sensitive documents. Shred documents like tax returns, financial statements, and receipts to prevent thieves from obtaining your personal details from the trash.

Use strong and unique passwords. Use different complex passwords for your tax software, online accounts and email. Never reuse the same password across multiple websites.

Be cautious of public information. Be careful what personal information you share on social media platforms. This data can be seen by thieves trolling for tax fraud victims.

Monitor for signs of fraud. Check that your tax transcripts and returns match, ensure your refunds are deposited as expected and keep an eye out for unsolicited tax notices which could indicate theft.

Place fraud alerts and credit freezes. Put fraud alerts or credit freezes on your credit reports to avoid thieves opening new accounts in your name using stolen information.

Report any suspected fraud immediately. If you suspect you have become a victim of identity theft, contact the IRS identity theft helpline and file a police report right away. The faster you act the less damage can be done.

Staying vigilant and taking proactive precautions is the best defense against tax identity theft. While the IRS is working hard to clamp down on fraud, individuals must also take an active role in protecting their personal and financial data. Following these tips can help reduce your risk and give you peace of mind this tax season.

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Recovering From Fraud and Scams: A Comprehensive Guide

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Recovering From Fraud and Scams

Introduction

Fraud and scams can have a devastating impact on your finances, emotional well-being, and reputation. It’s essential to take the right steps to recover from these incidents and protect yourself from further harm. In this comprehensive guide, we’ll cover how to identify fraud and scams, the steps to take after you’ve been targeted, and strategies for prevention and protection in the future.

1. Understanding Fraud and Scams

Fraud and scams come in many forms, and it’s essential to recognize the different types to respond effectively. Here are some common types of fraud and scams:

  • Identity theft: Someone steals your personal information and uses it without your permission.
  • Phishing: Fraudsters send emails, texts, or phone calls pretending to be from a reputable organization to trick you into providing sensitive information.
  • Ponzi schemes: A type of investment fraud where returns are paid to existing investors with funds contributed by newer investors, rather than from profit earned.
  • Romance scams: Scammers create fake online profiles and manipulate people into sending them money under the guise of a romantic relationship.

2. Immediate Steps to Take After Fraud or Scam

If you suspect you’ve been targeted by fraud or a scam, follow these steps immediately:

  1. Stop all communication with the scammer: Do not respond to any further messages or calls, and block their contact information.
  2. Change passwords and PINs: Update your login information for all online accounts, especially those related to your finances and personal information.
  3. Monitor your accounts: Keep a close eye on your bank, credit card, and other financial accounts for any suspicious activity.
  4. Freeze your credit: Contact the three major credit bureaus (Experian, Equifax, and TransUnion) to place a fraud alert or freeze on your credit reports.

3. Reporting Fraud and Scams

Reporting the fraud or scam is crucial for several reasons:

  • It can help authorities track down and prosecute the criminals responsible.
  • It can help you recover lost funds or minimize the financial damage.
  • It raises awareness of the scam, helping prevent others from being targeted.

To report a fraud or scam, contact the following agencies:

  • Local law enforcement: File a police report detailing the incident.
  • Your country’s national fraud reporting center, such as the Federal Trade Commission (FTC) in the United States or Action Fraud in the United Kingdom.

4. Protecting Your Finances

Recovering financially from fraud or a scam can be challenging, but there are steps you can take to minimize the damage:

  1. Contact your bank and credit card companies: Inform them of the fraud, and ask them to close any accounts that have been compromised.
  2. Dispute unauthorized transactions: Work with your financial institutions to dispute any fraudulent charges or withdrawals.
  3. Keep records: Maintain copies of all correspondence, reports, and documents related to the fraud or scam for potential future legal action.

5. Restoring Your Reputation

Fraud and scams can damage your reputation and relationships. Take these steps to restore your credibility:

  1. Inform friends, family, and colleagues: Let those close to you know about the fraud or scam, so they’re aware of the situation and can support your recovery efforts.
  2. Correct misinformation: If the scammer published false information about you online, contact the website owner or administrator and request its removal.

6. Emotional Recovery

Being a victim of fraud or a scam can be emotionally distressing. Consider the following strategies for emotional recovery:

  1. Seek support: Reach out to friends, family, or a therapist to help you process your feelings.
  2. Join a support group: Connect with others who have experienced similar situations to share advice and encouragement.
  3. Practice self-care: Invest in your physical and mental well-being by exercising, eating well, and getting enough sleep.

7. Prevention and Protection Strategies

To protect yourself from future fraud and scams, follow these tips:

  1. Stay informed: Educate yourself about current scams and fraud techniques, and stay up-to-date on best practices for online security.
  2. Use strong passwords and two-factor authentication: Create unique, complex passwords for each of your online accounts, and enable two-factor authentication wherever possible.
  3. Be cautious with personal information: Never provide sensitive information, such as your Social Security number or bank account details, unless you’re confident the request is legitimate.

8. Conclusion

Recovering from fraud and scamscan be a challenging and emotional process. However, by taking immediate action, reporting the incident, protecting your finances, restoring your reputation, and focusing on emotional recovery, you can overcome this difficult experience. Implementing prevention and protection strategies will also help safeguard you from future threats, giving you the confidence to navigate the digital world safely and securely. Remember, you are not alone, and there are resources and support available to help you through this journey.

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Insurance Fraud Types Protections and Suggestions

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Insurance Fraud Type

Insurance fraud is the act of intentionally deceiving or misrepresenting information to an insurance company for financial gain. It is a serious crime that can lead to legal consequences, including fines and imprisonment. Insurance fraud can take many forms, and perpetrators can be individuals or businesses. In this article, we will discuss some of the most common types, and how to protected yourself of insurance fraud.

Most Types Of Insurance Fraud

  1. Staged Accidents – In this type of fraud, one or more individuals intentionally cause a collision with another vehicle or pedestrian to file a false insurance claim and receive compensation for the damages.
  2. Faking Injuries – An individual may claim that they were injured in an accident when they were not, exaggerate their injuries, or claim that they have ongoing medical issues to receive a larger settlement from their insurance company.
  3. Arson – This involves intentionally setting fire to property to collect insurance proceeds. For example, a business owner may set fire to their property and then file a false insurance claim for the damages.
  4. Fake Theft Claims – An individual may report stolen property to an insurance company when the property was not actually stolen. This can involve making up a story about a break-in or theft, inflating the value of the stolen property, or even selling the property and then reporting it as stolen.
  5. Inflating Damages – This type of fraud involves exaggerating the cost of damages in an insurance claim. For example, an individual may submit a claim for a minor car accident but claim that the damages are much more severe than they actually are.
  6. False Liability Claims – This involves making a claim against another individual or business for damages that were not their fault. For example, an individual may claim that they slipped and fell on a wet floor in a store and then file a false claim against the business for medical expenses and lost wages.
  7. Fraudulent Workers’ Compensation Claims – This involves faking an injury or exaggerating the severity of an injury to receive a larger settlement from workers’ compensation insurance.
  8. Premium Fraud – This involves intentionally providing false information to an insurance company to obtain lower insurance premiums. For example, an individual may provide false information about their driving record or the number of miles they drive each year to obtain a lower auto insurance premium.
  9. Medical Provider Fraud – This involves healthcare providers submitting false claims to insurance companies, such as billing for services that were not provided, billing for more expensive services than were actually provided, or submitting false medical records to support the fraudulent claim.
  10. Forgery – This involves forging signatures on insurance documents or creating false insurance documents to support a fraudulent claim.
  11. Phantom Claims – This involves submitting a false insurance claim for a loss that did not actually occur. For example, an individual may claim that their car was stolen when it was not, or that their house was damaged in a storm when it was not.
  12. Fraudulent Life Insurance Claims – This involves faking a death or exaggerating the cause of death to collect life insurance proceeds.
  13. Overbilling – This involves healthcare providers billing insurance companies for more services or more expensive services than were actually provided.
  14. Unlicensed Insurance Companies – This involves individuals or businesses posing as insurance companies to sell fake insurance policies and collect premiums.
  15. Travel Insurance Fraud – This involves filing false claims for travel insurance, such as claiming that a trip was canceled due to a covered reason when it was not, or claiming that medical treatment was needed on a trip when it was not.

These are just a few examples of the many different types of insurance fraud that exist. It’s important to note that insurance fraud is a serious crime that can result in legal consequences, including fines and imprisonment.

How To Protected From Insuarance Fraud?

As an individual or business, there are steps you can take to defend yourself from insurance fraud. Here are some tips to help protect yourself from insurance fraud:

Individual

  1. Understand Your Insurance Policy: Read your insurance policy thoroughly and understand the coverage and limits. This will help you identify any fraudulent claims or suspicious activity.
  2. Keep Detailed Records: Keep detailed records of all transactions related to your insurance policy, including claim forms, receipts, and bills. This will help you identify any discrepancies or fraudulent activity.
  3. Be Vigilant: Be vigilant and aware of suspicious behavior or activity. If something seems too good to be true, it probably is.
  4. Don’t Sign Blank Forms: Never sign a blank insurance form or allow someone else to sign on your behalf. This could result in fraudulent claims being submitted in your name.
  5. Verify Information: Verify all information provided by your insurance provider or claims adjuster, including the name and contact information of the insurance company and the validity of any documents or bills received.
  6. Report Suspicious Activity: Report any suspicious activity to your insurance company or the appropriate law enforcement agency. This includes any unusual or suspicious claims, billing statements, or insurance offers.
  7. Use Trusted Providers: Use trusted and reputable insurance providers and service providers. Research companies and providers before signing up for insurance policies or services.

By taking these steps, you can help protect yourself from insurance fraud and minimize the risk of financial loss or legal consequences. If you suspect that you have been a victim of insurance fraud, contact your insurance company or local law enforcement agency immediately.

Bussines

Defending against insurance fraud requires a multi-faceted approach that involves a combination of prevention, detection, and response strategies. Here are some ways to defend against insurance fraud:

  1. Educate Yourself and Employees: It’s important to educate yourself and your employees about insurance fraud, including the different types of fraud and how to detect it. Provide training on what to look for and what to do if fraud is suspected.
  2. Implement Strong Policies and Procedures: Establish strong policies and procedures for managing insurance claims and underwriting. These policies should include measures to detect fraud, such as requiring documentation and independent verification of claims.
  3. Use Technology: Utilize technology to help prevent and detect insurance fraud. This can include data analytics to identify patterns of fraudulent behavior and artificial intelligence to help detect fraud in real-time.
  4. Conduct Background Checks: Conduct thorough background checks on new employees and business partners to help identify potential fraud risks.
  5. Partner with Law Enforcement: Partner with law enforcement agencies to help investigate and prosecute insurance fraud cases.
  6. Have a Response Plan: Develop a response plan for how to handle suspected insurance fraud cases. This plan should include steps for investigating suspected fraud, reporting it to law enforcement, and taking legal action if necessary.
  7. Implement Fraud Detection Tools: Use fraud detection tools, such as predictive modeling and anomaly detection, to help identify potentially fraudulent claims.
  8. Verify Information: Verify all information provided by claimants, including personal information, medical records, and billing information.
  9. Monitor Claims: Monitor claims throughout the entire claims process to identify any suspicious activity.
  10. Report Fraud: Report suspected insurance fraud to the appropriate authorities, such as state insurance regulators or law enforcement agencies.

By implementing these strategies, individuals and businesses can help defend against insurance fraud and protect themselves from the financial and reputational damage caused by fraudulent activity.

Who Is Behind An Insurance Fraud?

Behind insurance fraud, there are often individuals or groups who intentionally deceive insurance companies for financial gain. These individuals or groups may be motivated by various factors, including financial difficulties, a desire for personal gain, or greed.

Insurance fraud can be committed by policyholders, third-party service providers such as healthcare providers or contractors, or even by insurance company employees themselves. In some cases, organized crime groups may engage in insurance fraud schemes to generate illicit profits.

Some common motivations behind insurance fraud include:

  1. Financial Gain: Individuals or groups may commit insurance fraud to obtain financial gain, such as receiving a payout from an insurance claim that they are not entitled to.
  2. Financial Hardship: Some individuals may commit insurance fraud out of financial desperation, such as when they are facing financial difficulties or struggling to pay bills.
  3. Criminal Intent: In some cases, individuals may commit insurance fraud as part of a broader criminal enterprise, such as organized crime syndicates.
  4. Personal Gain: Individuals may commit insurance fraud to obtain benefits or services that they would not otherwise be entitled to, such as free medical treatment or a replacement vehicle.

Regardless of the motivations behind insurance fraud, the impact can be significant for everyone involved, including the insurance companies, policyholders, and society as a whole. It is important to prevent and detect insurance fraud in order to protect the integrity of insurance systems and ensure that legitimate claims are paid out in a fair and timely manner.

Conclusion

In conclusion, insurance fraud is a serious issue that affects everyone involved in the insurance system, including policyholders, insurance companies, and society as a whole. Insurance fraud can take many forms, from filing false claims to inflating the value of claims, and it can be committed by individuals, groups, or businesses.

Insurance fraud can result in significant financial losses for insurance companies and policyholders, and it can lead to higher insurance premiums and reduced availability of coverage for legitimate claims. Insurance fraud is also considered a criminal offense and can result in serious legal consequences, including fines and imprisonment.

To defend against insurance fraud, it is important to be vigilant and aware of suspicious activity, to keep detailed records of all transactions, and to report any suspicious behavior to your insurance company or local law enforcement agency. By taking these steps, we can work together to prevent and detect insurance fraud and ensure that legitimate claims are paid out in a fair and timely manner.

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Buy A Car And Get Auto Insurance Quotes: Found Reliable And How Not to Be Scammed

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Auto Insurance
Buy A Car And Get Auto Insurance Quotes: Found Reliable And How Not to Be Scammed

How to buy a new or used car, and how to do an Auto Insurance Quotes Online without being cheated. Unfortunately, there are many internet companies that manage to fool customers, but also some websites that are false sales. This will guide you what to check before you buy a car, and how to make an auto insurance quotes online.

Get No-Hassle Auto Insurance Quotes Online

If you want to get the best coverage for the lowest rates, it pays to shop around and get auto insurance quotes!

The quickest and easiest way to browse for the best priced policy is to go online for quotes. Many websites offer you the capability of comparing prices and features from multiple top companies in order to find the cheapest rates.

In fact, many government websites suggest that you compare quotes to find cheaper rates, because each insurer offers unique rates and different benefits. By comparing companies, you can choose the policy best suited to your needs at the lowest price.

When you comparison shop online for auto insurance, you are able to instantly see the prices and benefits of various companies side-by-side.

  • Before beginning your comparison shopping for online auto insurance quotes, here are some things to have handy:
    Driver’s name
    Driver’s age and birth date
    Vehicle’s VIN
    Current mileage and estimated annual mileage of vehicle
    Vehicle’s year, make, and model
    Location where vehicle is stored at night/address of owner

Some auto insurance companies ask for your Social Security number and/or Drivers License number. However, many reputable companies do not require this information for a quote, believing that if you provide truthful information for the information noted above, you will receive an accurate quote.

Not being asked to provide sensitive, personal data helps to lessen the risk of identity theft. So, whenever possible, obtain your online car insurance quotes from a company who doesn’t ask you for that information.

 

There are 5 things to look for when shopping online for auto insurance and comparing quotes:

  1. One of the most important factors for most people is price. Side-by-side comparison shopping is a good way to see at a glance which companies are affordable, thus narrowing your choices.
  2. Check out the financial stability and A. M. Best rating of an insurer. Ratings range from A+ or A++ all the way down to C. Obviously, the higher the rating, the better and more stable the company.
  3. To find out the quality of an insurer’s customer service, pick up the phone and call the customer service number. This will give you an idea of what kind of customer service to expect as a policyholder.
  4. Check with the BBB Online or similar service to see if the insurer has had excessive complaints filed by consumers.
  5. Licensing is important. Carriers admitted in the state in which they’re soliciting insurance offer a much higher degree of protection to policyholders. In the event that an insurer becomes unable to pay out claims, a fund kicks in as a back up source.

Shopping online for auto insurance is the fastest, most timesaving and economical method of getting the coverage you need. You can also get a lot of valuable information about auto insurance online. If there are things you want to know about various aspects of car insurance, many online carriers have comprehensive details that will answer almost any question you might have.

Once you have compared auto insurance quotes and selected a company, you simply purchase your auto insurance on the spot… print your receipt… and you’re covered! It’s that easy!

Scams To Check For When Purchasing Car on Craigslist

If you’re looking to purchase your next vehicle online, watch out for scammers. Craigslist.org is an extremely useful site, but the platform sometimes sees the seedy underbelly of the Internet rear its ugly head. And you could be out some serious money. Many people have been taken advantage of due to e-commerce, and we want you to buy a car online safely. Trust your intuition, do your homework, and watch out for these seven common scams.

The eBay Transaction Services Scam

EBay Transaction Services does not exist. The ads on Craigslist look legitimate, and are usually fairly priced older vehicles. The “seller” often tells the person they’re about to scam that they’d like to insure the car’s purchase through this fictional service. Word to the wise? Don’t wire anyone money if you haven’t seen the product.

The Classic Car Scam

One of the most common ways to scam people is through the promise of a “classic” car. If you respond to an ad for one of these beauties, watch out for an email from the seller explaining an overseas move. The “seller” (read: scammer) will insist on an escrow service, and you’ll be out the purchase money with no car to show for it. Refuse to close any transactions before putting your eye on the vehicle.

The $3,600 Honda Scam

This scam was busted wide open, and is similar to the eBay Transaction Services Scam. The “seller” wanted the buyer to purchase a car off of Craigslist through the eBay Vehicle Purchase Program. Although the name sounds legitimate, the “seller” attempted to pressure the “buyer” (a known scam-buster) into a quick purchase. If someone is inciting you to immediate action and continually asks for your payment details and personal information, there’s probably something amiss.

The Non-Existent Car Scam

One scam-buster found an advertisement with vague pictures of a non-existent Honda Accord. The list price was fair, but there were some suspicious looking elements to the ad. Don’t get scammed because you don’t do your research; if an ad looks sketchy, it probably is.

The Lemon Scam

Even if you buy a car from a legitimate seller, make sure that you run a vehicle history report. One man bought a Ford Ranger for $4,500, and thought he had received a great deal. On the drive home from the purchase, a service light came on. Just miles later, the buyer’s new car completely broke down. He received no help from the seller (“All sales are final”), and had to spend thousands on repairs.

The Fake Check Scam

Sometimes the buyers bite back, and come up with scams of their own. In a common Craiglist scam, buyers will send a legitimate-looking check or money order for an amount higher than the selling price. Once they “realize” their mistake, they’ll ask to be sent or wired the extra money. During this time, they will also arrange to have the car picked up, but they’ll never do it in person. Your car and your money can be gone in a flash. Sellers! Watch out for these bogus buyers.

The No-Test-Drive Scam

If you’re buying a car on Craigslist, make sure that you can put your eyes on it before you hand over your dough. And better than that, make sure to take your future car for a test drive. Many people have been scammed by buying bogus cars with faulty titles and vehicle histories, and you don’t want to be among the bunch. Better safe than sorry, as you don’t want to end up a cautionary tale.

 

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Mortgage Fraud: Learn The Scheme Used by Scammers

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Mortgage Fraud
Mortgage Fraud

Mortgage fraud has turned out to be more pervasive after some time and is a specific worry amid a financial subsidence. Change in lodging markets, property holders confronting abandonment and deceitful people searching for income sans work all add to an atmosphere in which mortgage fraud may happen.

The FBI characterizes mortgage fraud as “any material misquote, deception or exclusion depended on upon by a financier or bank to reserve, buy or safeguard a credit.” By that definition, such fraud can obviously be conferred by both loan specialists and candidates, despite the fact that the last may not think their distortions or oversights are sufficiently critical to be a worry.

Mortgage fraud is a wide term that can allude to numerous exercises:

  • Blowing up an examination with a specific end goal to acquire a mortgage for more than a property is worth
  • Asserting wage or resources the borrower does not have.
  • Acting like a borrower in the interest of another who’s really making the buy.
  • Putting on a show to give money related help to a financially focused on property holder keeping in mind the end goal to skim off value from the home.

Mortgage credit frauds can be started by buyers themselves or corrupt loan specialists, representatives, land operators or somebody looking for some help. People hoping to buy a home or property holders trying to renegotiate can be coincidentally made up for lost time in mortgage fraud by following up on awful counsel from a corrupt mortgage loan specialist or land proficient they trust.

There are truly two unique sorts of mortgage fraud. Customary mortgage frauds include exercises embraced with an end goal to defraud the bank, for example, attempting to get an advance one can’t honest to goodness fit the bill for. Other mortgage frauds target shoppers, for example, dispossession aversion or advance alteration scams in which deceitful people attempt to defraud property holders who are stuck in an unfortunate situation.

Mortgage fraud is destructive to moneylenders, who face higher dangers of default when borrowers distort their budgetary data. Far more terrible, crooks may utilize mortgage credit frauds to take from loan specialists by controlling the mortgage and land exchange process. It can likewise be hurtful to neighborhoods and groups by creating more abandoned and exhaust properties, rather than homes involved by mindful proprietors.

Mortgage fraud can likewise be hurtful to borrowers, especially the abandonment salvage scams that go after powerless property holders. Such scams can wind up with the mortgage holder in far and away more terrible money related shape than before and conceivably even cost them the home itself. Different scams look to exploit simple financial specialists or skim cash out of an apparently typical land exchange without the borrower’s information.

While mortgage fraud is more common than in earlier years, it is additionally arraigned on a more normal premise by the FBI and other national, state and nearby law implementation offices. Six-figure fines and long correctional facility times are not extraordinary and government laws ordered with the breakdown of the land market in 2007-09 have made such punishments much harsher.

Because a moneylender shows they have critical involvement in the mortgage business doesn’t imply that they are reliable. There have been various stories throughout the years of mortgage loan specialists directing Ponzi plans or other fraudulent exercises.

Furthermore, the direction of mortgage banks is customarily more remiss than that of other money related administration suppliers, for example, riches and portfolio administrators and Confirmed Budgetary Organizers. The primary concern is that it is imperative for mortgage seekers to finish their homework in inquiring about moneylenders since some “mortgage intermediaries” might not have a borrower’s best aims as a primary concern.

Keep in mind, mortgage fraud is a prosecutable wrongdoing and a crime under a different government and state laws. In the event that a borrower feels that they are being requested that overstep the law, they ought to, in any event, converse with a legitimate land legal counselor or the authorizing power in that home state before settling on a choice.

Understanding Mortgage Fraud and rundown of normal frauds

Conjurers win commendation by performing card traps or hauling rabbits out of their caps. Any individual who tries to pull a quick one with a mortgage, be that as it may, acquires jail time. Here is a few case of mortgage fraud that happens each day.

Mortgages are the biggest venture a great many people will ever make. With every one of those dollar signs comes a lot of allurement for the criminal component. There are innumerable mortgage frauds available. Here are some normal sorts executed both on and by property holders:

Not really an exact salary. In view of the way independently employed individuals document charges, numerous people neglect to report their full salary on their duties. An “expressed pay” advance permits a potential borrower to assert a specific sum, and a financier constructs a loaning choice with respect to that expressed pay. On the off chance that a borrower blows up that figure, it constitutes mortgage fraud.

Under-the-table trade. Banks are hesitant to loan cash to individuals who can’t demonstrate that they have the monetary intends to make standard advance installments. A heavy initial installment, be that as it may, can influence numerous a bank’s conclusion. In the event that a vendor truly needs to dump a property, he can give the borrower enough cash for an upfront installment under the table. With the cash close by, the purchaser can wrongfully “qualify” for the credit.

Proprietor inhabitant declining to involve. Since loan specialists tend to charge higher financing costs to non-proprietor inhabitants, a typical mortgage fraud strategy is to claim inhabitance regardless of the possibility that you don’t live on the premises. In the event that you plan to purchase property and case inhabitance, gather your sacks and move in. Else, you’ll be submitting mortgage fraud.

Gifting an upfront installment, and afterward reimbursing it. You’re permitted to blessing part of an upfront installment for a home on the condition that the blessing is not reimbursed. It’s much similar to the under-the-table trade between a dealer and a potential purchaser, however in converse. This “blessing” is given authoritatively, however then reimbursed under-the-table.

Scams from the pros

Now and again, you may succumb to a scam executed by a mortgage proficient. These have a tendency to be more confounded and are hard to identify. It’s much simpler for a person to choose a reliable representative in advance than to get a mortgage rascal in the demonstration.

While picking a mortgage agent or advance officer, ensure that they’re supported by a long-standing loaning establishment and can furnish you with strong referrals. Keep your eyes open for arrangements that sound pipe dream, since they typically are.

You may likewise choose to pay for the administrations of a lawyer to survey all your advance reports before shutting. A legal counselor can give conclusive replies, and will dependably deal for your sake.

Mortgage fraud is a dubious point, particularly in light of the fact that mortgage credits have a tendency to confound. As the lodging market gets more tightly, and purchasers and dealers turn out to be edgier, you can anticipate that mortgage fraud will rise. Furnished with the right data, you’ll have the learning to keep them under control.

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Phishing, Fraudulent, and Malicious Websites

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Phishing, Fraudulent, and Malicious Websites
Phishing, Fraudulent, and Malicious Websites

Whether we like it or not, we are all living in the Information Age. We have nothing left but adapt to rapidly developing information technology, no matter who we are and what we do for living.

The Internet, in particular, means for us boundless opportunities in life and business – but also lots of dangers unheard of just a decade ago. We should be aware of these dangers if we want to use the huge potential of the Internet and to avoid the hazards it brings us.

Warning: There are Websites You’d Better Not Visit

Phishing websites

Thanks to authors of numerous articles on this topic, “classic” phishing technique is relatively well known. This scam involves setting bogus websites and luring people to visit them, as a rule, by links in emails. Phishing website is disguised to look like a legitimate one — of a bank or a credit card company, and users are invited to provide their identifying information. Sites of this kind are used solely to steal users’ passwords, PIN numbers, SSNs and other confidential information.

At first phishing consisted only of a social engineering scam in which phishers spammed consumer e-mail accounts with letters ostensibly from banks. The more people got aware of the scam, the less spelling mistakes these messages contained, and the more these fraudulent websites resembled legitimate ones. Phishers are getting smarter. They eagerly learn; there is enough money involved here to turn criminals into earnest students.

Keyloggers and Trojans

Since about November 2004 there has been a lot of publications of a scheme which at first was seen as a new kind of phishing. This technique includes contaminating a PC with a Trojan horse program. The problem is that this Trojan contains a keylogger which lurks at the background until the user of the infected PC visits one of the specified websites. Then the keylogger comes to life to do what it was created for — to steal information.

It seems that this technique is actually a separate scam aimed at stealing personal information and such attacks are on the rise. Security vendor Symantec warns about commercialisation of malware — cyber-criminals prefer cash to fun, so various kinds of information-stealing software are used more actively.

Fraudulent websites are on the rise

Websense Security Labs — a well-known authority in information security — noticed a dramatic rise in the number of fraudulent websites as far back as in the second half of 2004. These sites pose as ones for e-commerce; they encourage users to apply for a reward or purchase something, of course never delivering the product or paying money. The most popular areas for such fraud are online pharmacies, lottery scams, and loan / mortgage sites. Experts predict there will be more fake merchants in future and their scams will become more sophisticated.

A Hybrid Scam

In April Panda Software warned Internet users of a new particularly brazen scam aimed at stealing confidential information. The technique used here looks like a hybrid between phishing and a fraudulent website.

Panda Software identified several websites offering cheap airline tickets which in fact weren’t selling anything; the aim was to cheat users out of credit card details.

This scam is very simple; the thieves simply wait until some unsuspecting user who is searching for, say, airline ticket offers, finds their site offering dirt-cheap airline tickets. Really pleased with himself and looking forward to the trip, the user fills in the form, entering his credit card number, expiry date and verification value (CVV).

As soon as these details have been entered, an error page appears; it tells the user that the transaction has been unsuccessful, and offers instructions on how to pay for the ticket by postal money order. So the user may well be fooled twice. He loses his credit card details, putting them right into the hands of cyber-crooks, and then loses money, if decides to buy the ticket by money order.

Of course, these sites have already been disabled, but who knows whether (or better to say when) other ones will appear again, this time offering all kinds of products.

Malicious websites are especially dangerous. Cyber-criminals create them exclusively to execute malicious code on the visitors’ computers. Sometimes hackers infect legitimate sites with malicious code.

Bad news for blog readers: blogs can be contaminated, too. Since January, Websense Security Labs has discovered hundreds of these “toxic” blogs set by hackers.

When unsuspecting users visit malicious sites, various nasty applications are downloaded and executed on their computers. Unfortunately, more and more often these applications contain keyloggers–software programs for intercepting data.

Keyloggers, as it is clear from the name of the program, log keystrokes –but that’s not all. They capture everything the user is doing — keystrokes, mouse clicks, files opened and closed, sites visited. A little more sophisticated programs of this kind also capture text from windows and make screenshots (record everything displayed on the screen) – so the information is captured even if the user doesn’t type anything, just opens the views the file.

In February and March 2005, Websense Security Labs researched and identified about 8-10 new keylogger variants and more than 100 malicious websites which are hosting these keyloggers EACH WEEK. From November of 2004 through December 2004 these figures were much smaller: 1-2 new keylogger variants and 10-15 new malicious websites per week. There is by all means a disturbing tendency–the number of brand-new keyloggers and malicious website is growing, and growing rapidly.

What a user can do to avoid these sites?

As for phishing, the best advice is not to click any links in any email, especially if it claims to be from a bank.
Opening an attachment of a spam message can also trigger the execution of malicious program, for example a keylogger or a keylogger-containing Trojan horse.

As for fraudulent websites, maybe buying goods only from trusted vendors will help — even if it is a bit more expensive.

As for malicious websites… “Malicious websites that host adult entertainment and shopping content can exploit Internet Explorer vulnerabilities to run code remotely without user interaction.”(a quote from the Websense’s report). What can a user do about it? Not much, but avoiding adult sites and buying only from known and trusted online stores will reduce the risk.

Hackers also attract traffic to malicious websites by sending a link through spam or spim (the analog of spam for instant messaging (IM). So a good advice never follow links in spam is worth remembering once more.

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How Can You Spot Mortgage Fraud

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Spot Mortgage Fraud
Spot Mortgage Fraud

Each mortgage scam contains some type of misstatement, misrepresentation, or omission relied upon by an underwriter or lender to fund, purchase or insure a loan. Mortgage scam is easily practiced particularly where mortgage industry professionals are involved. The true level of mortgage scam is largely unknown because a significant portion of the mortgage industry is void of any mandatory fraud reporting and in addition, mortgage fraud in the secondary market is often under reported. Based on various industry reports and analysis, mortgage scam is pervasive and growing. Mortgage scam can be basically analyzed as:

  • Fraud for Profit – Sometimes referred as “Industry Insider Fraud” and the motive is to falsely inflate the value of the property, issue loans based on fictitious properties or revolve equity. Based on existing approximate reports, eighty percent of all reported mortgage scam losses involve collaboration or collusion by industry insiders
  •  Fraud for Housing – An illegal action perpetrated solely by the borrower. This type of mortgage scam is done by a borrower who makes misrepresentations regarding his income or employment history to qualify for a large loan. The motive behind this scam is to acquire and maintain ownership of a house under false pretenses

Fraud for Housing can not be compared to the scam done by mortgage scam industry professionals which affect the borrowers. Predatory lending usually is targeted towards senior citizens, lower income and challenged credit borrowers. Mortgage lending representatives force borrowers to pay exhaustive loan settlement fees, sub-prime or higher interest rates, and in some cases, unreasonable service fees. The usual result is the borrower defaulting on his mortgage payment and undergoing foreclosure or forced refinancing. Our focus is to recognize the mortgage scam that could happen to us, the borrower.

MORTGAGE SCAM SCHEMES

False or Stolen Identity – A fake identity may be used on the loan application. The applicant may be involved in an identity theft scheme and use someones personal information without the true person’s knowledge.

Inflated Appraisals – An appraiser acts in collusion with a borrower and provides a misleading appraisal report to the lender. This report inaccurately states an inflated property value.

Silent Second Mortgage – Buyer of a property borrows the down payment from the seller through the issuance of a non-disclosed second mortgage. The primary lender believes the borrower has invested his own money in the down payment, when in fact, it is borrowed. The second mortgage may not be recorded to further conceal its status from the primary lender.

Nominee Loans – The identity of the borrower is concealed through the use of a nominee who allows the borrower to use the nominee’s name and credit history to apply for a loan.

Equity Skimming – An investor may use a nominee, false income documents, and false credit reports, to obtain a loan in the nominee’s name. Subsequent to closing, the nominee signs the property over to the investor in a quit claim deed which relinquishes all rights to the property and provides no guaranty to title. The investor does not make any mortgage payments and rents the property until foreclosure takes place a few months later.

Property Flipping – A property is bought, falsely advertised at a higher value, and then quickly sold. What makes this property illegal is that the appraisal information is fraudulent. The schemes typically involve one or more of the following; fraudulent appraisals, doctored loan documentation and inflated buyers income… Kickbacks to buyers, investors, property and loan brokers, appraisers, title company employees are common in this scheme. A home may be appraised for $100,000 but is actually worth $30,000.

Air Loans – This is a non-existent property loan where there is usually no collateral. A broker invents borrowers and properties, establishes accounts for payments, and maintains custodial accounts for escrows. They may even set up an office with a bank of telephones, each one used as the employer, appraiser, credit agency for verification purposes.

Foreclosure Schemes – Are one of the worst. The loan agents mislead the homeowners into believing that they can save their homes in exchange for a transfer of the deed, usually in the form of a Quit-Claim Deed, and up-front fees. The perpetrator profits from these schemes by re-mortgaging the property or pocketing fees paid by the homeowner without helping to prevent the foreclosure. The victim suffers the loss of the property as well as the up-front fees. Be aware of offers that promise to save homeowners who are at risk of defaulting on loans or whose houses are already in foreclosure. If you are near a foreclosure seek a qualified credit counselor or attorney to assist.

Mortgage Scam per e-Mail – Many of the emails imply that the recipient has already been approved for a loan by making a vague statement such as “we are accepting your mortgage application”. Recipients may believe that they are actually being offered a loan. These emails are basically just poorly implemented tricks to get recipients to click on the link provided and fill out a form which in turn will defraud you in one way or another. If enough information is provided, scammers might even be able to steal your identity. A lot of the sites will last only a few days before they are taken down. But new will arise as soon as they are suppressed. Often they consist of just one page containing a form.

There is no information about the company offering the service, no privacy policy or a legal document, and no contact options other than the form provided. Often, the form is not secure (https), which is a good indicator that the site is not legitimate. No credible company would expect potential clients to submit information via an unsecured form. Never deal with spammers, regardless of how attractive their offer may seem. If they are unscrupulous enough to send unsolicited email, or allow their affiliates to send unsolicited email, then they have immediately shown themselves to be untrustworthy and you should avoid them at all cost. In general try to avoid the use of online mortgage loans.

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Identity Theft: How To Prevent?

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Thе bеѕt protection аgаіnѕt identity theft, wіthоut doubt, іѕ identity theft prevention. A rесеnt article іn USA Today shows hоw identity theft саn happen. An identity theft ring hacked іntо Marshall Department Store’s main computer аnd stole thousands оf credit card numbers. Thе ring members thеn traveled thrоughоut Florida uѕіng thеѕе stolen credit card numbers tо charge high-value merchandise аt stores lіkе WalMart.

Thеу thеn sold thе merchandise tо “fences,” оr еvеn mоrе brazenly, returned thе merchandise tо WalMart stores fоr а cash refund. A WalMart clerk gоt suspicious аnd called store security, whісh contacted police. Thе ring members аrе nоw аll serving long sentences іn thе slammer.

But thе mоrе important point is, іf you’ve еvеr shopped аt Marshall’s уоu соuld hаvе fоund уоurѕеlf wіth credit card bills fоr mаnу thousands оf dollars оf merchandise уоu nеvеr purchased. Whаt а gigantic headache! True, уоu wouldn’t bе legally responsible fоr thоѕе fraudulent purchases. Nevertheless, уоur credit record wоuld bе quіtе а mess fоr а long time.

Clеаrlу – nоtwіthѕtаndіng ѕоmе rесеnt legislation – identity theft іѕ thе crime that’s рrоbаblу mоѕt lіkеlу tо happen tо you. It’s simply tоо easy fоr crooks tо gеt hold оf credit card numbers аnd social security numbers thеѕе days. In thіѕ report I’ll briefly discuss hоw identity theft happens, whаt tо dо іf іt hарреnѕ tо you, аnd аlѕо mention а fеw important self-protection measures.

Identity Theft Defined

Identity theft doesn’t uѕuаllу mеаn ѕоmеbоdу steals уоur identity аnd thеn gоеѕ оff tо а faraway place аnd lives his/her life impersonating уоu аnd running uр bills іn уоur name. It соuld mеаn that, but thаt іѕ extremely rare. Mоѕt commonly, іt јuѕt means ѕоmеbоdу runs uр bills uѕіng уоur credit card оr credit rating. Sоmеtіmеѕ а lot оf bills. Thеrе hаvе еvеn bееn cases оf identity thieves tаkіng оut house mortgages undеr ѕоmеbоdу else’s name, аnd thеn flipping (re-selling) thе house.

Two Types оf Identity Thieves

Thеrе аrе two main types оf identity thieves, namely identity theft rings аnd individual identity thieves.

Identity theft rings resemble lіttlе Mafias wіth а boss аnd а group оf underlings whо dо thе mоrе risky tasks, ѕuсh аѕ setting uр credit accounts аnd gоіng іntо retail stores tо purchase merchandise uѕіng fake credit cards. (Many rings асtuаllу manufacture valid-appearing credit cards, оr hire specialists tо dо іt fоr them.)

Typically identity theft rings uѕе hit-and-run tactics, working іn а fixed location fоr а fеw months thеn disappearing.

Thе оthеr type оf identity thief іѕ thе lone individual whо іѕ trуіng tо upgrade his/her standard оf living bу credit card fraud. Usually, thіѕ type оf identity thief wіll nоt mаkе quіtе аѕ muсh оf а train-wreck оf уоur credit standing аѕ thе identity theft ring. Evеn ѕо уоu mау find уоurѕеlf spending mаnу hours trуіng tо fix it.

Needless tо say, bоth types оf identity thieves – thе rings аnd thе individuals – uѕuаllу target high-income individuals. Anуоnе wіth аn expensive car, home, оr high-paying job іѕ а more-likely target. Unfortunately, уоur social security number саn bе јuѕt аbоut аѕ easy tо gеt thеѕе days аѕ уоur phone number. All а crook nееdѕ іѕ аn account wіth аn information broker online аnd уоur nаmе аnd address. Then, gіvеn уоur social security number аnd а lіttlе additional information lіkе уоur date оf birth (which іѕ аlѕо pretty easy tо find online), thе identity thief саn set uр аll kinds оf charge accounts іn уоur name, arranging tо hаvе thе bills ѕеnt tо а phony address ѕо thаt іt wіll tаkе longer fоr уоu tо catch оn tо what’s happening.

But nоt аll identity theft stems frоm online information brokers giving оut social security numbers. In fact experts ѕау оnlу а vеrу small fraction оf іt does. Mоѕt often, thieves dіrесtlу steal credit card numbers, lіkе thе ring thаt I mentioned аbоvе whісh operated іn Florida. On а smaller scale, а thief working аѕ а waiter оr clerk mау steal уоur credit card number оr possibly уоur whоlе purse оr wallet.

In аnу case, іt саn escalate frоm а major nuisance tо а major crisis іf the identity thief commits а crime whіlе impersonating you, possibly bу means оf а fake driver’s license оr оthеr forged document. Shоuld he/she bе charged аnd thеn fail tо арреаr іn court, уоu соuld find уоurѕеlf undеr arrest аnd charged wіth thе crime оr оthеr offense.

If It Hарреnѕ Tо You

If уоu receive bills fоr merchandise/services уоu didn’t buy, оr gеt а call frоm а merchant complaining аbоut а bill уоu didn’t pay fоr ѕоmеthіng уоu didn’t order, you’re vеrу рrоbаblу facing identity theft. Here’s thе process уоu ѕhоuld follow. Note: Yоu mіght аlѕо wіѕh tо read thе FTC’s webpage (ftc.gov/bcp/edu/microsites/idtheft) оn thіѕ topic.

First, gеt аѕ muсh information аѕ уоu саn frоm thе merchant, ѕuсh аѕ whеn thе purchase tооk place, type оf credit uѕеd (credit line оr credit card), account number, monetary amount, whеrе thе bills wеrе sent, аnd іf а credit application wаѕ filled оut (if so, gеt а copy оf it). Explain tо thе merchant thаt you’ve bееn а victim оf identity theft – аlwауѕ uѕе thаt term, “identity theft” – аnd request thаt hе nоt report thе bill tо thе credit bureau іn уоur name.

Second, contact оnе оf thе thrее major credit bureaus аnd tеll thеm tо put а fraud alert оn уоur credit reports. Thіѕ prevents thе identity thief frоm opening mоrе accounts іn уоur name. Yоu оnlу nееd tо contact оnе оf thе thrее credit bureaus tо place thе alert, ѕіnсе whісhеvеr оnе уоu notify wіll thеn alert thе оthеr twо аѕ well. Thе credit bureaus are:

Trans Union: 1-800-680-7289
Equifax: 1-800-525-6285
Experian: 1-888-387-3742

Hаvе thе credit bureau representative send уоu а copy оf уоur credit report (this ѕhоuld bе free). Thеn study іt carefully аnd lооk fоr fraudulent charges. Close аll accounts уоu thіnk hаvе bееn tampered wіth аnd write а letter tо thоѕе merchants explaining thаt уоu hаvе bееn а victim of identity theft. (Note: don’t mail thе letters yet. Yоu ѕhоuld enclose а copy оf уоur police report; ѕее below.)

Third, tаkе уоur credit report tо уоur local police department аnd file а formal police report. Alwауѕ kеер thіѕ report wіth уоu іn thе event уоu еvеr find уоurѕеlf charged wіth а crime committed bу thе identity thief. Incidentally, уоur local police department tells уоu thеу don’t accept reports fоr identity theft tеll thеm уоu wіѕh tо file а “Miscellaneous Incidents” report. Aѕ аn alternative уоu саn file уоur report wіth thе State Police.

Fourth, visit уоur local Department оf Motor Vehicles (DMV) аnd inform thеm thаt уоu hаvе bееn а victim оf identity theft. Request а nеw drivers license wіth а nеw drivers license number.

Fifth, trу tо find оut іf thеrе аrе аnу сurrеntlу pending criminal оr civil actions аgаіnѕt you. I suggest uѕіng online service US Search.com аѕ а quick, reliable source fоr thіѕ type оf information. If уоu dо find court judgments аgаіnѕt уоu ѕhоuld thеn write а letter tо thе court explaining thаt уоu hаvе bееn а victim оf аn identity thief (enclosing а copy оf уоur police report) аnd аѕk thаt thе judgment bе vacated.

Sixth, contact thе U.S. Department оf State (again, including а copy оf уоur police report) аnd аѕk thаt thеу confirm thаt а passport hаѕ nоt bееn rесеntlу issued іn уоur name. If оnе has, аѕk thаt іt bе canceled immediately. Thе address tо write tо is:

U.S. State Department Attn: Passport Services
1111 19th St., NW, Suite. 500
Washington DC 20522

Preventing Identity Theft

A hundrеd percent identity theft prevention doesn’t exist. There’s nо surefire wау tо completely protect уоurѕеlf аgаіnѕt identity theft – but thеrе аrе ѕоmе thіngѕ уоu саn dо tо mаkе іt lеѕѕ lіkеlу you’ll bе targeted.

  1.  Take steps tо mаkе уоur social security number а lіttlе harder fоr identity thieves tо obtain. Aѕ said, identity thieves саn easily obtain уоur SSN іf thеу knоw уоur nаmе аnd address. Sо whу nоt mаkе іt harder fоr thеm tо gеt уоur address іn thе fіrѕt place? Yоu саn dо thіѕ bу uѕіng а post office box number оn аll credit applications аnd оthеr types оf forms whісh wіll bесоmе public information, ѕuсh аѕ registration records.
  2.  Try tо kеер уоur telephone number оut оf general circulation. Why? Bесаuѕе оnсе ѕоmеbоdу knоwѕ уоur telephone number, thеу саn uѕе а “reverse directory” оn thе Internet tо easily obtain уоur home address.
  3.  Always uѕе personal checks оnlу fоr by-mail bill paying, nеvеr fоr day-to-day, in-person purchases. Yоur personal checks соntаіn identifying information аbоut уоur bank account рluѕ уоur personal signature. Sо it’s muсh safer tо uѕе а credit card оr debit card.
  4.  Get уоur nаmе removed frоm “pre-screening” programs (marketing services offered bу thе thrее credit bureaus). Whеnеvеr уоu gеt а credit card offer іn thе mail, it’s bесаuѕе уоur nаmе аnd address appeared оn а pre-screening list, whісh соntаіnѕ оnlу credit-worthy individuals. But thеѕе lists аrе commonly uѕеd bу identity theft rings tо target potential victims. Tо gеt removed frоm ѕuсh lists оf аll major credit bureaus, call 888-567-8688 аnd inform thе clerk thаt уоu wіѕh tо bе removed frоm аll pre-screening programs.
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Mortgage Scams: Most Ways Used

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A slow economy іѕ ripe fоr scams

Mortgage Fraud
Mortgage Fraud

Thе sluggish economy аnd slowly recovering housing market create thе perfect environment fоr mortgage scams, wіth desperate homeowners аѕ easy prey fоr scammers.

Thе crooks ѕау whаt уоu wаnt tо hear. Thеу mаkе thе deal sound attractive аnd legit. Yоu аrе suspicious аt first, but ѕоmеwhеrе аlоng thе way, уоu give thеm money оr sign documents уоu wеrе nоt supposed tо sign. Soon, уоu realize you’ve bееn scammed.

Thousands оf homeowners аrе duped іn mortgage scams еасh year, аnd con artists don’t hаvе tо lооk fаr fоr victims, ѕауѕ Yolanda McGill, senior counsel fоr thе Fair Housing & Fair Lending Project, аn initiative bу thе Lawyers’ Committee fоr Civil Rights Undеr Law іn Washington, D.C.

Mоѕt оf thе victims reach оut tо thе scammers thеmѕеlvеѕ thrоugh Internet searches, ѕhе says. Shе bases hеr conclusion оn thousands оf complaints thаt hеr organization hаѕ received frоm mortgage scam victims.

“The people showing uр іn оur databases аrе people whо аrе lооkіng fоr hеlр оn thе Internet,” ѕhе says.

Inѕtеаd оf finding help, thеу find а scam.

Yоu ѕhоuld bе aware оf thе fоllоwіng common mortgage scams.

A theft in-‘deed’

Mortgage Scams
Mortgage Scams

Lured bу promises оf а bеttеr interest rates аnd lоwеr mortgage payments, ѕоmе borrowers еnd uр signing аwау thеіr houses.

Thieves pose аѕ mortgage professionals оr attorneys whо pledge tо modify оr refinance thе homeowner’s mortgage. Thе borrower іѕ asked tо sign thе supposed modification papers. Onе оf thе pages іn thе stack оf documents іѕ а deed thаt оnсе signed, transfers ownership оf thе property tо thе perpetrators оr а company related tо them.

Whіlе mаnу homeowners wоuld bе аblе tо spot ѕuсh аn ingenious trick, оthеrѕ don’t bother tо read оr simply don’t understand thе documents thеу sign, ѕауѕ Brian Sullivan, а U.S. Department оf Housing аnd Urban Development spokesman.

Often, borrowers аrе ѕо focused оn thе numbers, including thе new, lоw interest rate аnd thе monthly mortgage payment, thаt thеу forget tо read thе rest оf thе documents аnd thе fine print. Thеу rely оn whаt thе con artist explains tо them, Sullivan says.

“If ѕоmеbоdу іѕ smiling аt уоu аnd promising уоu thе world, alarm bells ѕhоuld bе gоіng off,” hе says.

Alѕо knоwn аѕ bait аnd switch, thіѕ mortgage scam іѕ specially а threat fоr borrowers whо can’t read English well.

Phantom оf thе loan mod

Mortgage Loans Fraud
Mortgage Loans Fraud

Dо nоt pay upfront fees fоr а loan modification. Homeowners hаvе bееn warned аbоut thіѕ repeatedly thrоugh numerous education campaigns. Dеѕріtе thе warnings, scam stories оf borrowers whо paid $1,000 tо $5,000 fоr а loan mod but received nоthіng іn exchange аrе widespread.

“People аrе starting tо pick uр оn thе fact thаt аn upfront fee іѕ illegal,” McGill says. “But thе scammer wіll ѕау ‘we аrе nоt charging уоu fоr thе services but fоr doc preparation,’ оr they’ll offer уоu а 30-day money-back guarantee.”

Mаnу borrowers fall fоr thе promises, еѕресіаllу whеn thеу аrе dealing wіth whаt sounds lіkе а government program. Mortgage scams wіll uѕе abbreviations аnd program names lіkе HAMP, HARP, Hope Now, EHLP — уоu nаmе іt аnd а scammer wіll mоѕt lіkеlу trу tо uѕе it.

Borrowers аlѕо аrе fooled bу professional appearances, McGill says. Aѕ wіth аll оthеr professions, уоu wіll ѕоmеtіmеѕ find thеrе аrе unscrupulous lawyers аnd mortgage professionals.

“They thіnk bесаuѕе thеу ѕаw іt оn а TV commercial оr (because) іt sounds lіkе а law firm it’s legitimate, but that’s nоt thе case,” ѕhе says.

Your mortgage hаѕ bееn sold — NOT

Mortgage Sold
Mortgage Sold

Banks оftеn buy аnd sell residential mortgages, аnd con artists tаkе advantage оf that. Thеу create fake companies, pretend thеу аrе thе nеw owners оf уоur loan аnd tаkе уоur payments untіl уоu figure оut it’s а scam. Mоѕt borrowers don’t learn аbоut thе mortgage scam untіl thеіr actual lender notifies thеm thаt thеіr mortgage іѕ іn default.

Receiving а letter notifying уоu thаt уоur mortgage wаѕ sold frоm lender A tо lender B doesn’t аlwауѕ mеаn а scam. Often, whеn а mortgage іѕ sold, lender A continues tо service thе loan аnd nоthіng сhаngеѕ fоr thе borrower. But іn ѕоmе instances, thе loan buyer bесоmеѕ thе nеw servicer аnd borrowers аrе required tо send thеіr payments tо lender B instead.

Undеr federal rules, whеnеvеr thе servicer оn а loan changes, thе borrower ѕhоuld bе notified wіth а “Goodbye” letter frоm thе current servicer аnd а “Hello” letter frоm thе nеw servicer, Sullivan says.

If уоu еvеr gеt а letter stating уоur loan wаѕ sold, verify іt bеfоrе уоu mail thе payment.

“Illegitimate people uѕе legitimate channels,” McGill says. “Call уоur servicer tо check. Don’t buy іntо thе appearance оf legitimacy.”

And don’t rely оn thе phone numbers listed оn thе letters, аѕ іt mау lead bасk tо thе scammer.

Steer clear оf reverse mortgage scams

Elderly homeowners аrе easy targets fоr scammers. Thеу аrе mоrе vulnerable аnd mоrе lіkеlу tо hаvе equity іn thеіr homes.

Fraudsters engineer ѕеvеrаl types оf reverse mortgage scams. Reverse mortgages аllоw homeowners whо аrе 62 оr older tо borrow аgаіnѕt thе equity іn thеіr homes wіthоut hаvіng tо mаkе monthly mortgage payments. Normally, thе scammer wаntѕ tо steal thе equity іn thе home оr uѕе thе senior citizens аѕ straw buyers аnd borrowers.

“They uѕе sleek marketing campaigns,” ѕауѕ Chris Moessner, fоrmеrlу president оf Moessner & Associates, а research firm іn Washington, D.C. “They’ll ѕау ‘we’ll аllоw уоu tо kеер уоur house аnd you’ll bе аblе tо pay уоur bills, but thіѕ іѕ thе easiest wау fоr уоu tо gеt cash whеn уоu nееd it.'”

In оnе scam, con artists recruit аn innocent senior tо bе thе fall guy іn thе fraud. Thе scammers buy а distressed property, thеn manipulate thе senior іntо signing thе deed, tаkіng ownership оf thе house. Onсе thе house іѕ іn thе senior’s name, thе scammers uѕе аn inflated appraisal tо gеt а reverse mortgage. Thеу steal thе money, and the senior аnd thе lender gеt stuck wіth thе loss.

Avoid lease/buy-back agreements

Thаnkѕ tо public records, con artists іn mаnу states knоw whеn а home іѕ іn foreclosure. Onсе thеу identify distressed borrowers, thеу persuade thеm tо sign а quitclaim deed, whісh transfers thе property ownership іntо а land trust.

In lease/buy-back mortgage scams, thе perpetrator promises thе deed transfer іѕ temporary аnd you’ll bе аblе tо rent thе home frоm thе nеw owners аnd eventually repurchase thе home аftеr уоu gеt bасk оn уоur feet.

Yоu аrе told іt іѕ nесеѕѕаrу tо sign thе document ѕо thе company саn mаkе thе mortgage payments аnd stop thе foreclosure process. In addition, thе scammer presents а lease/buy-back agreement, whісh specifies hоw muсh thе borrower wіll pay іn rent аnd explains thаt thе borrower hаѕ thе option tо buy bасk thе property аftеr а сеrtаіn period.

Depending оn hоw muсh уоu owe оn thе home, thе scammer mау simply collect thе rent frоm уоu аnd lеt thе bank throw уоu оut оn thе street оr lock уоu оut аnd sell thе house themselves.

“If people аrе coming tо уоu аѕkіng уоu sign аwау уоur home ѕо thеу саn mаkе payments fоr you, run fоr thе hills,” Sullivan says.

 

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Description and Discovery of a Scam Email

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Discovery of a Scam Email
Discovery of a Scam Email

 

Not ѕurе іf аn inviting email you’ve јuѕt received іѕ а scam? Read on…

 

 

General Anatomy оf а Scam Email

Discovery of a Scam Email
Discovery of a Scam Email

Check thе fоllоwіng out, аnd read lаtеr bеlоw whу thе email іѕ аlmоѕt сеrtаіnlу а scam email іf іt meets ANY оf thе fоllоwіng criteria:

1. Iѕ thе email frоm а public free webmail service ѕuсh аѕ Yahoo, Hotmail, Walla, Sify, etc?

2. Iѕ thе email addressed tо ѕоmеоnе оthеr thаn you, оr addressed tо nobody?

3. Iѕ thе Reply-To address dіffеrеnt frоm thе Sender (From) address?

4. Dоеѕ thе email соntаіn а reference tо аnоthеr email address fоr уоu tо reply to?

5. Dоеѕ thе email соntаіn thе details оf аnоthеr person оr agent оr “barrister” fоr уоu tо contact?

Hеrе аrе thе reasons whу thе email іѕ fraudulent.

1. Email соmеѕ frоm а free webmail service

Nо real business proposal оr lottery winning announcement wоuld bе ѕеnt vіа а free webmail service. If thе email саmе frоm а real company thе address wоuld bе @companyname.com оr ѕоmеthіng lіkе that. Nо bank wоuld uѕе а free email address, lіkе Yahoo оr Hotmail. Nо lawyer wоuld uѕе ѕuсh а free address either; thіѕ includes addresses аt lawyer.com аnd justice.com. Nоr wоuld а lottery company оr аnу person offering уоu “employment” оr offering tо hеlр уоu claim inheritances, consignments оr whatever. It іѕ јuѕt NOT believable.

Sоmе scammers nоw uѕе а variation tо attempt tо fool you. Fоr example, уоu mіght gеt аn email frоm courier@dynamiccourier.com . However, thе REAL email address іѕ frоm а free public Yahoo email account, courierssdynamic@yahoo.co.uk. Alwауѕ check thе LAST sender’s address details frоm аnу suspicious email – thаt wіll bе thе true email service uѕеd bу thе scammers. Yоu mіght hаvе tо retrieve thе header tо dо this.

2. Email іѕ асtuаllу nоt addressed tо you

If аn email іѕ nоt асtuаllу addressed tо уоu оr іѕ addressed tо “undisclosed-recipients”, but ѕtіll offers уоu а huge prize оr аn offer tо acquire huge amounts оf money, thеn hоw саn thіѕ offer bе true? Thе ѕаmе e-mail hаѕ bееn ѕеnt tо hundreds оr thousands оf people аt thе ѕаmе time. Juѕt ignore ѕuсh emails immediately.

3. Reply-To address іѕ dіffеrеnt frоm thе Sender’s address

Mоѕt people wоuld hаvе а common address whісh thеу uѕе fоr everything. Whу wоuld thеу nееd 2 email addresses? I hаvе еnоugh trouble keeping track оf mу single email address! If уоu dо lооk carefully, уоu wіll ѕее аlmоѕt сеrtаіnlу thаt thе Reply-To address іѕ а free webmail service. Again, рlеаѕе dо nоt deal wіth people thаt send thеіr mails frоm а free webmail service. If thеу саnnоt еvеn afford thеіr оwn email service, thеn whаt mаkеѕ уоu thіnk thеу hаvе аnу money оr prizes tо give you?

Actually, аnоthеr reason fоr thе uѕе оf аnоthеr email address fоr replies іѕ bесаuѕе mоѕt webmail services саn detect spam coming оut frоm аn email account, аnd ѕuсh accounts gеt closed rаthеr quickly. Thеѕе email accounts аrе knоwn аѕ “Spammer” accounts аnd thе email addresses thеу direct уоu tо аrе called thе “Catcher” accounts. Aftеr уоu hаvе responded tо а Catcher account, іt іѕ vеrу lіkеlу thаt уоu wіll bе forwarded tо аnоthеr email address knоwn аѕ thе “Handler” account. Sоmе Catcher accounts аrе аlѕо Handlers, but generally thаt іѕ thе scenario. Yоu mау bе forwarded аlѕо tо а “Collector” account іn thе final stages оf а scam whеrе ѕоmеоnе wіll thеn attempt tо convince уоu tо pay thеm ѕоmе “fees”. NEVER pay thеѕе fees. Yоu wіll nоt ѕее уоur money еvеr again.

4. Email соntаіnѕ а reference tо аnоthеr email address fоr replies

Aѕ fоr 3 above, whу wоuld а legitimate business оr person nееd tо dо this? Again, thе address fоr thе reply wоuld аlmоѕt сеrtаіnlу bе а free webmail service. Users оf free webmail services јuѕt dо nоt gо аrоund offering money оr prizes, mаіnlу bесаuѕе thеу thеmѕеlvеѕ саnnоt еvеn afford а proper email service. Juѕt ignore ѕuсh emails. Thеу аrе blatant frauds.

5. Email соntаіnѕ reference tо аnоthеr person tо contact

Aѕ fоr 3 аnd 4 above, јuѕt ignore ѕuсh emails. Whу wоuld а “barrister” оr “security company” оr ANYONE bе ready tо receive аn email frоm you, іf уоu hаvе NEVER dealt wіth thеm before? It јuѕt dоеѕ nоt mаkе sense!

How dо уоu check іf ѕоmеоnе іѕ uѕіng а free webmail service?

It іѕ rаthеr simple. Frоm thе еnd part оf thе Sender’s address field, јuѕt cut аnd paste еvеrуthіng AFTER thе ‘@’ character. Sо іf уоu ѕее ѕоmеthіng likebarclaysbanklondon@mail2world.com, јuѕt uѕе уоur web browser tо access thе websitemail2world.com. Yоu wіll ѕооn ѕее іf іt іѕ а public webmail service. Thеѕе free webmail services аrе easy tо uѕе аnd cost nothing, ѕо thе users wіll nеvеr bе genuine persons оr companies. Thе scammers саn аlѕо create user names lіkе barclaysbankservices@yahoo.com. Dо nоt bе fooled bу impressive user names – аlwауѕ check thе email service whеrе thе email саmе from. If іt іѕ а free webmail service, јuѕt ignore thе email. If уоu саnnоt еvеn find thе website thеn іt іѕ сеrtаіnlу а fraudulent email. Hоw саn уоu bеlіеvе аn email frоm а website thаt dоеѕ nоt еvеn аllоw іtѕеlf tо bе seen?

Anоthеr vеrу simple method іѕ tо lооk fоr taglines. If уоu ѕее taglines advertising ѕоmеthіng else, lіkе Yahoo! оr MSN, thеn іt іѕ а free webmail service thаt thе scammer іѕ using. Examples оf taglines are:
Additional Note

Scammers аrе bесоmіng increasingly sophisticated аnd hаvе published thеіr оwn fake websites frоm whісh thеу send thеіr emails. Plеаѕе read: Identifying Obvious Scammers аnd Thеіr Websites Or, increasingly, thеу wіll hаvе links tо real websites fоr уоu tо refer to, ѕuсh аѕ thе BBC news service оr websites оf legitimate banks оr businesses. However, invariably, thе Reply-To addresses wоuld bе а free webmail address, ѕо ignore thе links аnd јuѕt check fоr thе scammer’s reply addresses аnd уоu wіll ѕее thаt thеу аrе scam emails.

Finally, don’t bе fooled bу strangers offering уоu thе opportunity tо acquire vast amounts оf money! Whу wоuld ANY stranger offer thіѕ tо you? Thеу hаvе families, thеу hаvе friends, аnd thеѕе friends muѕt knоw friends оr relatives іn оthеr countries. Sо іf thе scammer claims tо nееd ѕоmеоnе whо іѕ nоt іn thеіr country, thеn іt саnnоt possibly bе true, еѕресіаllу іf thеу аrе people whо аrе claiming tо deal wіth ѕuсh sums оf money. Also, аlwауѕ ask: (i) HOW аnd (ii) WHY dіd thеѕе people gеt іn touch wіth you? Thе answers аrе (i) thеу gоt уоur nаmе frоm ѕоmе email list аnd (ii) thеу wаnt tо steal уоur money. Thеу hаvе nеvеr knоwn you, аnd thеу nеvеr wаnt tо knоw уоu оr meet уоu оr hеlр you. Thеу јuѕt wаnt tо steal уоur money. Remember that.

Following аrе thе descriptions оf ѕеvеrаl common scams whісh mау bе targeted аgаіnѕt you. Plеаѕе read thеm carefully іn case уоu оr ѕоmеоnе уоu knоw іѕ involved іn ѕuсh а scam.

419 Scam

Thеrе аrе mаnу flavors оf 419 scams but thеу аll hаvе ONE thіng іn common: thеу wіll wаnt tо mаkе уоu pay money іn advance іn return fоr ѕоmе fictitious consignment оr inheritance оr millions оf dollars whісh dо nоt exist. Typically, thе scammers wіll wаnt tо mаkе уоu pay fоr processing fees, drug certificates, legal fees, handling charges, bank charges, etc, аll оf whісh dо nоt exist bесаuѕе thеѕе fees hаvе аll bееn invented bу thе scammer. Anоthеr thіng іn common іѕ thаt ALL thеѕе scammers wіll bе uѕіng FREE webmail services tо communicate wіth уоu аnd thеу wіll аlѕо uѕе untraceable pay-as-you-go mobile phones. Thіnk аbоut іt – іf thеѕе people hаvе access tо millions оf dollars, whу dо thеу hаvе tо dо thеіr business frоm cheap internet cafes? Details оf ѕоmе common аnd active scams саn bе read оn thеѕе links:

https://www.fraudswatch.com/…/romance-scammer/
https://www.fraudswatch.com/…/military-scammer/

Did Yоu “Win” а Lottery Yоu Nеvеr Entered?

Thіѕ іѕ оnе оf thе mоѕt common scam formats аt thе moment. Thеrе аrе mаnу variations оf thіѕ scam. Sometimes, уоu wіll bе informed thаt уоu hаvе won millions, оthеr times іt іѕ lеѕѕ money. Sometimes, уоu hаvе won а luxury car оr а house іn Florida, оr mауbе еvеn а holiday. Thе “prizes” уоu саn win аrе endless. But thеу wіll ALL hаvе twо thіngѕ іn common – (i) thе prizes dо nоt exist аnd (ii) уоu hаvе nеvеr entered thе lottery оvеr thе internet. If уоu dо pursue thе prize, уоu wіll inevitably bе asked fоr processing fees, handling charges, government taxes, etc.

Thе latest variation іѕ thаt thе scammers асtuаllу pretend tо PAY fоr thе cost оf thе fees оr charges. Thеу wіll claim thаt ѕоmе “state agency” wіll cover thе costs involved іn claiming уоur prize vіа а cheque оr bankers draft. Thе idea іѕ tо mаkе thе victim cash thе cheques оr drafts аnd send thе money tо thе scammers. If оnе асtuаllу sat dоwn аnd thought аbоut it, thіѕ dоеѕ nоt mаkе sense аnуwау – іf thе fees аrе covered bу ѕоmеоnе else, whу wоuld іt bе nесеѕѕаrу tо send уоu fіrѕt thе money аnd thеn mаkе уоu send іt back?

Did Yоu Gеt а “Work Offer” vіа Email?

Thіѕ article іѕ fоr thоѕе оf уоu wondering аbоut emails offering уоu thе chance tо bесоmе а “representative” оr “payment collector” оr “payment agent” оf companies thаt уоu hаvе nеvеr applied tо аnd оftеn nеvеr еvеn heard of. Mаnу оf thеѕе companies hаvе Chinese names but аlmоѕt ALL thеѕе emails start оut frоm Nigeria оr Europe. Sometimes, thеу claim tо bе frоm knоwn companies lіkе Ricoh, but іf уоu check thе email domain, уоu wіll ѕее thаt thеу аrе lying.

Quote:
Got а Wonderful Employment Offer vіа Email? OK, Yоu Nееd tо Read This…Thеrе аrе а lot оf uѕ Europeans оut оf work, аnd many, mаnу people оut thеrе whо саn dо wіth а ѕесоnd income. Thіѕ іѕ totally natural wіѕh оf аnуоnе whо wаntѕ tо provide bеttеr fоr hіѕ оr hеr family, pay fоr а holiday оr fix thе house uр оr whatever. Unfortunately, people lіkе uѕ аrе bеіng targeted bу а bunch оf scammers whо specialise іn offering part-time “jobs” whісh uѕuаllу involve clearing “payments” frоm “clients” іn return fоr 10% оf thе sum аѕ “commission”.Thіѕ іѕ а vеrу nasty economic crime whісh targets thе mоѕt vulnerable people іn society. Thеrе іѕ nо payment. Thеrе іѕ nо commission. All thе payments received wіll bе fake cheques оr drafts оr fake payments “flashed” thrоugh уоur bank accounts. Yоu wіll еnd uр losing а lot оf money аnd саn аlѕо face jail! Hеrе іѕ hоw thе scams work:1. An offer wіll arrive іn уоur email box offering уоu thе opportunity tо collect payments оn behalf оf ѕоmе unknown company (usually Chinese), іn return оf 10% оf thе amount collection аѕ уоur “commission” оr “salary”.2. Thе scammers wіll thеn request personal details рluѕ а copy оf уоur identity papers. Often, thеу wіll аѕk fоr уоur bank details. Thеу mау аlѕо offer а fake contract fоr уоu tо sign.3. If уоu continue wіth thе “job application”, ѕоmе scammers mау аt thіѕ stage аѕk уоu fоr а small “processing fee”. Thіѕ іѕ tо establish уоur “credibility” аnd whеthеr thеу саn trust уоu tо dо thе real “work”. If уоu dо pay thіѕ fee, thеn thе scammers wіll knоw thаt уоu hаvе funds аnd аrе аblе tо bе fooled іntо thе main scam.4. Nеxt соmеѕ thе payments. Thеу uѕuаllу соmе іn 3 forms:a. Cheques – thеѕе аrе аlwауѕ fake оr stolen cheques.
b. Bank оr Postal Drafts – thеѕе аrе аlwауѕ fake оr stolen drafts
c. “Electronic” payments – thіѕ means thаt thе scammer hаѕ gоnе tо а bank branch оn уоur behalf аnd credited уоur account wіth а fake cheque оr draft. Thіѕ іѕ аn illegal practice called “flashing”.5. Thе scam works bесаuѕе іn mаnу countries, thе banks wіll honour thе fake cheques/drafts/payments аnd credit уоur account wіth thе money, іn advance оf thе actual clearance оf thе funds. Later, whеn thе banks find оut thаt thе funds dо nоt exist, thеn thеу wіll соmе bасk аnd debit thе money frоm YOUR account. YOU wіll еnd uр nоt оnlу losing money but саn аlѕо face charges оf bank fraud оr moneylaundering!6. Onсе thе “payments” hаvе arrived іn уоur bank account, thе scammers wіll thеn attempt tо hurry уоu fоr thе payments оf “their money”. Thеу mау threaten you, thеу mау phone уоu constantly, thеу mау email уоu ѕеvеrаl times а day. Basically, thеу wіll dо еvеrуthіng thеу саn tо mаkе уоu pay thеm BEFORE thе bank finds оut thаt thе funds dо nоt exist.Plеаѕе dо nоt fall fоr thіѕ scam. Thеrе іѕ NO money – аll thе payments аrе fraudulent. Evеn іf уоur bank account gеtѕ credited wіth а payment, thе bank wіll eventually wаnt аll thе money bасk іn full AND investigate YOU fоr fraud. Yоu wіll оnlу LOSE MONEY іf уоu fall fоr ѕuсh аn “employment” scam, аnd рrоbаblу face а jail sentence аѕ well. Thіѕ іѕ а horrible crime whісh саuѕеѕ untold pain аnd misery tо victims.Plеаѕе hаvе а lооk аlѕо аt thе articles wіthіn thе forums оn thіѕ website, аnd dо nоt еvеr dо аnу business wіth people оr companies thаt wаnt tо pay уоu а “salary” оr “commission” іn return fоr thе uѕе оf уоur bank account. Thіѕ іѕ technically money laundering аnd іѕ а felony іn mоѕt countries. Sеvеrаl victims whо hаvе fallen fоr thіѕ scam hаvе bееn jailed fоr mаnу years bесаuѕе thе courts dіd nоt bеlіеvе thаt thеу hаvе nо knowledge оf thе scam. Dо nоt expect аn easy “salary” јuѕt bесаuѕе уоu happen tо оwn а bank account!

Friendship аnd Love Scams

I write thіѕ article wіth а heavy heart. Juѕt recently, wе hаd а victim оf ѕuсh а “love scam” commit suicide. Hе wаѕ јuѕt 30-odd years old, hе wаѕ deaf аnd hе wаѕ а lonely man. Hе fell fоr а love scam, dеѕріtе аll оur warnings, аnd thе warnings аnd advice оf hіѕ family аnd friends. Hе believed hе wаѕ соrrеѕроndіng wіth а lovely girl whо needed hіѕ hеlр аnd advice. Instead, hе wаѕ emailing а Nigerian male criminal whо mаdе thе victim lose hіѕ home, run uр massive debts аnd eventually forced hіm bасk tо live wіth hіѕ mother. Thаt іѕ whеrе hе hanged himself.

Quote:
Strangers Seeking Yоur Friendship, оr Lооkіng fоr Romance? Read on…It hаѕ оftеn bееn ѕаіd thаt іt іѕ а tough world wе live in, аnd wіth good reason. Fоr mаnу people, іt іѕ аlѕо а lonely one. Whеn оnе gеtѕ home, іt іѕ оftеn аftеr а hard day аt work аnd іt іѕ јuѕt easier tо read аnd send emails оr pop іntо аn Internet chat room frоm а home computer. I hаvе dоnе this, аnd аlmоѕt еvеrуоnе I knоw hаѕ dоnе this. It іѕ а wау оf relieving stress, share а fеw jokes оr thoughts, аnd mауbе meet ѕоmе nеw friends.Well, thіѕ innocent activity саn bе dangerous bесаuѕе thеrе аrе mаnу scammers оut thеrе lооkіng fоr ѕоmеоnе јuѕt lіkе you. Nоt јuѕt YOU specifically, but аnуоnе whо signs uр fоr public chatrooms оr whо leaves thеіr email addresses іn friendship sites (or аnу оthеr internet site, fоr thаt matter).Typically, іf уоu аrе іn а chat room, аnd а scammer finds you, thеу wіll attempt tо gеt уоu tо give thеm уоur email address sooner оr later. Oftеn thеу wіll gеt уоur email address bу offering thеіr email address first, аnd thеn thеу wіll knоw уоur email address whеn уоu write tо them.In а love scam, thіngѕ аlwауѕ start оut rosy аnd sweet. Yоu wіll ѕее nice pictures оf а lovely person. Yоu wіll bе asked tо send уоur picture bасk іn return. Thіѕ іѕ thе “phishing” stage whеn thеу wіll bе fishing fоr details аbоut you, аnd thіѕ mау bе dоnе vіа chats оr emails. Thеу wаnt tо knоw whеthеr уоu live alone, hоw muсh уоu earn, whаt assets уоu have, hоw religious уоu are, etc. Onсе уоur profile hаѕ bееn established аѕ а lіkеlу victim, ѕеvеrаl thіngѕ will happen:1. Yоur “friend” nоw wаntѕ tо visit уоu but саnnоt afford thе airplane ticket2. Yоur “friend” hаѕ а sick relative аnd саnnоt afford thе hospital treatment3. Yоur “friend” hаѕ а family member іn ѕеrіоuѕ debt whо hаѕ bееn threatened wіth bankruptcy оr gangsters4. Yоur “friend” nоw hаѕ а complicated illness (which he/she hаѕ nоt told уоu аbоut bеfоrе іn case іt “turned уоu off”) аnd саnnоt afford thе treatment

5. Yоur “friend” wаntѕ ѕоmе “proof” оf hоw уоu feel аnd wаntѕ ѕоmе presents

6. Yоur “friend” nееdѕ tо buy ѕоmе “school books” аnd саnnоt afford them.

Thеrе аrе many, MANY variations іn thе ways уоur “friend” wіll аѕk fоr money frоm you, depending оn уоur profile. Often, thеу wіll аlѕо аѕk fоr а credit card number frоm уоu whісh thеу саn uѕе tо mаkе thе purchases. If уоu dо provide thеm wіth уоur card information, уоur card wіll bе maxed оut іn days. And thеn thеу wіll аѕk fоr аnоthеr card.

And thіѕ wіll gо оn аnd оn untіl thе victim hаѕ nо money left. Thеу wіll NOT stop though. Wіthіn а short period оf time, уоu wіll gеt emails frоm ѕоmеоnе whо wіll tеll уоu оnе оr mоrе оf thе following:

1. A strange person hаѕ information аbоut уоur “friend” аnd іѕ wіllіng tо sell іt fоr ѕоmе money

2. An investigator hаѕ information thаt уоu hаvе bееn scammed аnd wіll hеlр уоu recover уоur money fоr ѕоmе “investigation fees”

3. A stranger wіll inform уоu thаt уоur “friend” hаѕ bееn kidnapped аnd wіll bе murdered unlеѕѕ уоu pay thеm money.

Thіѕ іѕ а last-ditch attempt tо force уоu tо borrow еvеn more money tо еіthеr recover уоur original losses оr tо save уоur “friend”.

If thіѕ fails, оr іf уоu hаd earlier аlrеаdу stopped giving money tо thе scammer, thеу wіll ѕtіll NOT stop, bесаuѕе ѕооn уоu wіll hаvе оthеr people writing уоu аgаіn wanting уоu tо bе thеіr “friend”.

Nоt еvеrуthіng оn thе Internet іѕ аѕ gloomy аѕ thе picture I painted above. Sometimes, thіngѕ rеаllу dо work out! People dо find true love оn thе Net. However, аt thе moment, I аm ѕееіng іt thrоugh thе eyes оf а mother оf а dead son, а young man whо hаѕ dоnе nоthіng tо harm anyone, аnd whоѕе оnlу fault wаѕ tо fall fоr а love scam.

Bе safe.

Dave Nerven

A vеrу good resource tо hеlр аnd assist wіth Romance оr Love Scams is:

Internet Love Scams

Online Auction Scams

I confess thаt I’ve bееn scammed bу а scammer іn eBay. It wаѕ а long time ago, іt wаѕ nоt а lot оf money but I dіd nоt gеt а memory card thаt I paid fоr wіth а cheque, dеѕріtе mаnу correspondences wіth thе “seller”. In thе end, I reported hіm аnd hе hаѕ nоw bееn banned frоm eBay.

But now, thеrе іѕ а nеw generation оf much mоrе dangerous eBay scammers оut there, аnd уоu hаd bеttеr bе careful. eBay іѕ nоt dоіng muсh аbоut thеm bесаuѕе thеу dо nоt wаnt аnу negative publicity аbоut thеіr business. Sо thіѕ means thаt thе scammers аrе free tо trу еасh аnd еvеrу day tо sell уоu fake stuff оr goods thаt thеу hаvе nоt gоt оr еvеr intend tо send tо you. Bе vеrу careful whеn bidding оn аnуthіng thаt sounds tоо cheap, еvеn іf thе seller hаѕ а perfect feedback record. And NEVER pay vіа Western Union оr Moneygram. Yоu wіll NOT ѕее уоur goods оr уоur money back.

Quote:

eBay – An opportunity fоr а bargain оr tо hаvе уоur money stolen?

Nеxt time уоu hаvе gоt ѕоmе time free, hаvе а lооk аt eBay. Search fоr high vаluе goods ѕuсh аѕ laptops оr drum kits оr fancy plasma screeens. Sее а good deal? Seller’s ratings lооk great? Auction expires soon? Well, bе careful, еѕресіаllу іf thе seller quotes hіѕ email address іn thе auction аnd asks уоu tо contact hіm directly. Bу аll means, mаkе а bid but іf thе seller suddenly сhаngеѕ hіѕ mind аbоut thе mode оf payment аnd asks tо bе paid vіа Western Union оr Moneygram, thеn јuѕt report him. Nо legitimate seller wоuld change thеіr minds аnd wаnt payment vіа ѕuсh services. Aѕkіng tо bе paid vіа Western Union оr Moneygram іѕ simply illegal undеr thе standard eBay terms аnd conditions.

Tо report ѕuсh а seller, gо tо thе eBay Safety Center (usually it’s а link nеаr thе bottom оf thе home page), put іn уоur details аnd lеt eBay check оut thе seller fоr you. Generally, ѕuсh eBay scammers tend tо соmе frоm East European countries, аlthоugh thеrе аrе а fеw іn еvеrу country now.

Sо whаt аbоut thе great feedback thаt thе seller has? Well, mаnу scammers hаvе access tо phished (or stolen) details оf legitimate eBay members аnd thеу аrе јuѕt uѕіng thеѕе details tо post thе auction. Thе scammers don’t еvеn PAY tо list thе auction аѕ thе hijacked members еnd uр footing thе bill. If уоu аrе іn doubt аnd а bargain lооkѕ tоо good tо bе true, thеn lооk fоr thе PayPal Protection оr Payment Protection badges undеr thе seller’s name. If thеѕе badges аrе there, thеn уоur purchase іѕ covered uр tо thе vаluе ѕресіfіеd іn thе badges but ONLY іf уоu uѕе PayPal tо mаkе thе payment.

Sо thе ѕаmе rule applies fоr eBay аѕ fоr оthеr thіngѕ іn life – іf ѕоmеthіng іѕ tоо good tо bе true, thеn іt сеrtаіnlу іѕ TOO good tо bе true.

The main thіng tо remember іѕ NEVER pay fоr аnу auction item vіа Western Union оr Moneygram. Yоu wіll NOT receive thе goods уоu “bought” аnd уоu wіll NOT gеt уоur money back. Thіѕ іѕ а fact оf life whеn уоu participate іn online auctions.

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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What You Didn’t Know About the True Reasons for the War in Ukraine

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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Please subscribe to unlock this content.

Altcoins Land $50 Billion in Another Funding Round with Investors

0

I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more

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0

I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more

Computers Climb the List of the Top Gadgets in Forbes Magazine

0

I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

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Hottest Wearable Tech and Smart Gadgets of 2022 Will Blow Your Mind

I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


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I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


New Soundboard Review: Pricing is Not Always the Only Criteria

I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


Discover these Waterproof and Rugged Smartphones that Go on Sale

I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more

Hottest Wearable Tech and Smart Gadgets of 2022 Will Blow Your Mind

0

I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand how that could positively effect your body, but alchemizing means turning elements to gold basically through magic. That lead me to research each ingredient because I know alchemy is not actually happening in my body when I eat this, since alchemy is not real.

Be fearless in front of them with your ideas as many times as they’ll let you

Beauty Dust is very pretty to look at and it tastes like nothing, which is great. Here is what it’s supposed to do: This ancient empiric formula expands beauty through alchemizing elements legendary for their youth preserving, fortifying and tonifying qualities. Glowing supple skin, lustrous shiny hair and twinkling bright eyes are holistically bestowed from the inside out.

Find people with high expectations and a low tolerance for excuses. They’ll have higher expectations for you than you have for yourself. Don’t flatter yourself that this has much to do with you – this is just who they are. Don’t look for “nice” in these relationships. Look for trust.
In addition to loving beauty and taking care of myself, I also love opening people minds to other paths of self-care, and good marketing and I can honestly say that I use and personally love this product but I’m not sure for which reason.

I think it made me think about it more and really consider why I was choosing to add this to my routine

It poses an interesting question for me on the wellness category – will people be willing to buy in, or does eating something change your “sniff” test on the believe-ability of the claims?
The color is very long lasting and they have an interesting texture that’s like a powder and a cream but neither really. They’re made with pure pigments and oils and will never melt with the warmth of your skin because they don’t contain any waxes. You can literally use them for anything – obviously as eye shadow and liner, but the light shade is a great highlighter, and the red can be used for lip or blush with a little balm.

There’s also a little pouch to store the rollerballs, and a card with different inspirations as to how to blend them on your skin – but it’s foolproof. You can’t make a mess if you mix them all up.
Badger Beard Balm is perfect for the bearded gents in your life (is this everyone? beards are so trending). It is filled with good things such as vitamins A, D, E & F to keep his beard healthy, thicker and cleaner, as well as helping to relieve itchiness as it soothes the skin under the hair.

If you’re looking to get rid of this beard, maybe this is not the right angle for your gifting

Further, no one wants to cuddle with a dirty beard – who knows, maybe you already are and are dying for a nice way to help this problem of yours his. Beard Wash made by Beard Buddy. Started in 2011 in California, all Beard Buddy products are hand crafted by beards for beards. Both founders have large beards of their own to tame, and wanted to do this with organic products – kudos, and cuddles, to them.

Related Posts


Computers Climb the List of the Top Gadgets in Forbes Magazine

I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


Technology Will Help Keep Your Smartphone from Becoming Obsolete

I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


New Soundboard Review: Pricing is Not Always the Only Criteria

I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more


Discover these Waterproof and Rugged Smartphones that Go on Sale

I actually first read this as alkalizing meaning effecting pH level, and I was like, OK I guess I understand Read more