레이블이 TreasuryDirect National Debt인 게시물을 표시합니다. 모든 게시물 표시
레이블이 TreasuryDirect National Debt인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 24일 일요일

About 'debt to the penny'|Is The #OWS StrikeDebt Movement The Way To Go For Debt Forgiveness







About 'debt to the penny'|Is The #OWS StrikeDebt Movement The Way To Go For Debt Forgiveness








By               now,               many               people               are               aware               of               the               so-called               Nigerian               money               scams               and               if               your               e-mail               provider               has               an               effective               filter,               it               probably               prevents               your               inbox               from               receiving               such               nonsense.

Unfortunately,               some               of               us               aren't               so               lucky.

While               many               of               the               e-mails               are               so               blatantly               absurd               that               they               shouldn't               fool               anyone,               you               have               to               wonder               if               they're               still               deceiving               some               people               since               the               e-mails               continue               to               arrive.

It               should               be               obvious               to               a               lot               of               people               that               it's               a               scam               e-mail               when               the               sender               proudly               announces               he's               from               some               country               in               Africa               and               it's               somebody               you               don't               know.

What's               really               odd               is               how               bold               many               of               them               are               getting.

A               recent               e-mail               from               a               bank               claiming               to               be               in               Ghana               announces               that               it               had               $3.2               million               for               the               recipient               and               demanded               to               know               the               name               and               address               of               his               bank               and               his               account               number.

In               addition,               the               e-mail               even               demanded               a               copy               of               his               passport               and               driver's               license.

Who,               in               their               right               mind,               would               comply               with               these               kind               of               demands?

The               e-mail               message               purports               to               be               from               the               "Head               of               Treasury"               in               Ghana,               and               warns               that               "we               don't               have               time               to               waste               due               to               work               pressure               on               us."               Does               anyone               think               they're               going               to               receive               $3.2               million               via               "Swift               Transfer,"               under               these               kind               of               conditions?

Why               would               anyone               give               away               $3.2               million?
               While               the               Ghana               e-mail               is               a               fairly               transparent               scam,               what               about               the               recent               IRS               phishing               scam?

Apparently               someone               with               the               ability               to               cut               and               paste               graphics               from               the               official               IRS               web               site,               concocted               a               scam               in               which               e-mails               were               sent               out               to               some               sort               of               list               in               which               the               IRS               claimed               that,               "based               on               your               fiscal               activity,               you               were               entitled               to               a               $995.00               refund,"               simply               by               filling               out               a               form,               which               was               returned               to               an               e-mail               address               that               clearly               wasn't               one               belonging               to               the               IRS.

Surely               most               people               don't               think               the               IRS               is               in               the               business               of               monitoring               your               "fiscal               activity"               and               determining               when               someone               deserves               a               refund!

A               dead               giveaway               on               the               phony               form               you're               asked               to               complete               in               order               to               get               your               $995.00               is               the               request               for               your               driver's               license               number.
               Why               mention               the               NIgerian               money               scams,               the               phishing               scams,               or               the               phony               lotteries               if               there               have               been               a               number               of               warnings               put               out               there               about               this               already?

Because               there               are               so               many               variations               of               these               scams,               it's               worthwhile               to               examine               what               they               all               have               in               common               in               order               to               remain               immune               to               the               temptation               to               fall               for               one               of               them.

A               number               of               e-mail               scams               have               now               branched               out               into               online               loans,               charity               donations,               and               government               grants.

All               you               have               to               do               is               provide               personal               information,               and               all               this               largesse               can               become               yours.

It               isn't               always               necessary               to               provide               a               bank               account               or               social               security               number.

If               they               get               your               name               and               address,               and               enough               other               information               about               you               that               may               seem               irrelevant,               just               remember               that               it               may               be               perfectly               relevant               to               someone               the               con               artist               is               talking               to,               trying               to               convince               that               someone               that               they're               YOU!
               It               is               disturbing               how               many               spam               e-mails               of               this               type               can               bypass               some               of               the               best               spam               blocking               software               out               there,               which               ought               to               give               the               recipient               a               mild               chill               to               know               that               someone               out               there               has               the               sophistocation               necessary               to               outfox               your               internet               provider.

The               first               thing               you               should               do,               is               when               you               look               at               your               inbox,               see               if               you               can               see               who               the               sender               is,               or               who               their               intended               recipient               is.

In               many               cases,               it's               amazing               how               many               of               these               scam               (and               also               spam)               e-mails               are               sent               to               "undisclosed               recipients,"               meaning               they               somehow               have               access               to               your               internet               provider's               server               without               their               consent.

In               some               cases,               your               name               might               have               been               sold               to               a               third               party,               unknowingly,               if               you               ever               bought               a               product               from               someone               online               and               agreed               to               opt               in               to               their               mailing               list               in               order               to               be               notified               of               future               offers.

It's               laughable               how               many               of               these               scam               e-mails               claim               you've               inherited               millions               of               dollars               from               some               account               over               in               Nigeria               or               the               United               Kingdom               and               some               attorney               over               there               wants               to               share               the               money               with               you               if               you'll               just               claim               to               be               the               beneficiary.

Even               more               laughable               is               when               another               individual               was               told               his               e-mail               address               had               won               the               lottery               in               the               United               Kingdom,               when               the               sender               had               sent               the               exact               same               e-mail               to               about               a               dozen               other               e-mail               addresses,               all               disclosed               on               the               addressee               line.
               For               anyone               "fortunate"               enough               to               have               inherited               millions               in               a               NIgerian               bank               account,               or               won               millions               in               a               UK               lottery,               the               next               step               for               those               who               play               along               with               this,               is               usually               to               send               some               kind               of               advance               fee               to               either               cover               such               "costs"               as               taxes,               security               keeping               fees,               demurrage,               or               whatever               other               logical               sounding               "cost"               comes               to               mind.

The               scam               is               simply               to               keep               asking               for               more               fees               until               the               poor,               unsuspecting               soul               either               runs               out               of               money               or               can't               play               along               any               more.

This               is               the               classic               advance               fee               fraud.

The               other               side               of               this,               is               getting               you               to               give               out               personal               information               such               as               your               passport               or               driver's               license               or               bank               account               so               that               identity               theft               can               be               committed,               or               your               bank               account               can               be               emptied.
               A               lot               of               you               may               be               thinking,               "this               is               so               obvious;               I               would               never               fall               for               such               scams."               There               are               still               a               few               lessons               we               can               learn               from               the               more               obvious               scams               we've               just               discussed.

While               a               number               of               e-mail               providers               have               gotten               more               sophistocated               at               shutting               down               this               kind               of               junk               mail               with               spam               filters,               the               spammers               have               also               gotten               more               sophistocated.

Any               time               you               give               out               information               to               someone               online,               even               if               it's               a               business               or               entity               that               you               trust,               you               need               to               know               if               that               business               is               giving               out               your               information               to               someone               else.

Here's               a               classic               example:               an               individual               having               tax               problems               suddenly               found               his               postal               mailbox               (not               his               e-mail               inbox,               in               this               case)               flooded               with               solicitations               from               firms               offering               him               "tax               debt               resolution."               One               solicitor               knew               to               the               penny               exactly               what               the               tax               debt               was,               and               started               off               the               letter,               "Dear               Joe,               We               can               help               you               resolve               your               federal               tax               debt               of               $20,397.42."               We               live               in               a               society               where               our               privacy               is               supposed               to               be               respected.

How               could               that               firm               know               the               exact               dollar               amount               of               that               person's               tax               debt?

Credit               bureaus.

Selling               information               in               order               to               make               a               buck.

The               point               is,               with               the               age               of               the               computer,               and               the               internet               being               the               source               of               information               that               it               is,               it               seems               like               it's               easier               than               ever               to               access               information               on               someone,               and               in               some               cases,               there               are               web               sites               that               will               SELL               you               information               on               someone               you               are               targeting.

This               could               be               a               gold               mine               for               scammers               wanting               to               target               an               e-mail               scam,               perhaps               posing               as               your               friendly               neighborhood               bank               or               banker,               asking               you               for               personal               information               via               e-mail.

And               if               the               credit               bureaus               are               selling               information               about               you,               how               can               you               know               for               certain               that               you               aren't               being               targeted               when               asked               to               give               out               personal               information               of               any               kind?
               While               this               article               doesn't               intend               to               make               the               credit               bureaus               the               object               of               criticism,               the               question               should               be               raised               about               whether               your               identity               is               safe               when               the               credit               bureau               gives               out               information               about               you               without               your               knowledge.

Of               course,               the               credit               bureaus               are               likely               to               tell               you               to               subscribe               to               something               like               Lifelock               or               FreeCreditReport.com,,               the               latter               of               which               is               running               a               number               of               clever               little               jingles               on               TV               with               a               great               deal               of               frequency.

With               places               like               Lifelock               and               FreeCreditReport.com               charging               upwards               of               $30.00               a               month               to               protect               you               from               identity               thieves,               you               can't               help               but               wonder               if               the               credit               bureaus               are               part               of               the               problem.

Still,               it               very               well               could               be               that               some               con               artist               or               bogus               firm               pretending               to               be               in               business               to               help               consumers,               for               a               price,               could               be               getting               their               information               from               the               credit               bureaus.

Hopefully,               it's               clear               by               now               how               transparent               scams               like               the               Nigerian               money               scam               could               easily               lead               to               more               sophistocated               scams,               tailored               to               fit               an               individual's               particular               weakness,               and               why               you               should               be               careful               any               time               you               give               out               information               on               yourself.






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      ...law gives strength to sin from the fact that, for every transgression... a farthing of debt: it says, “Sin...Who shall lay anything to the charge of God’s elect...
    11. Debt To The Penny - Blog Homepage Results

      On average I find a penny a day. Beginning August...change certified mail to the United States Government to fund the National Debt. If I am unable to find any...
      A mid-twenty something with an armfull of student loan debt, credit card bills, and a will to survive it all.
      A site to discuss all things Money! How to get money. How to get out of debt. How to settle with your creditors for pennies on the dollar. How to create and live on a budget. How to invest and plan for the future. How to...



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