Month: December 2008

email winner

The Top 10 Scams Online You Should Watch Out For

Don’t be fooled! Get informed! Here are ten online scams you need to be aware of.email winner

1. The Nigerian e-mail scam. Have you received an e-mail claiming to be from a Nigerian government official asking for help to transfer millions of dollars into your bank account? Don’t even bother replying, It’s a popular scam that has victimized thousands of people across the globe.

2. “Phishing”. Watch out if your inbox contains e-mails that seem to come from the IRS or other popular companies. These e-mails can be used to collect your SSN, credit card numbers and other personal details. The e-mail may contain a link that leads you to a false website or “phishing website” that has been made to look like the original.

3. Get rich quick scams. “Get rich quick” offers abound online. Scammers entice people with the promise to earn thousands or millions of dollars in no time simply by signing up. The catch? You’ll have to pay a membership fee or a processing fee to start getting paid. The thing is, you may wait a long time for nothing.

4. Work at home scams. Although there are legitimate home based businesses or jobs online, there are also fraudulent ones. Watch out for job opportunities that require you to pay upfront or invest a huge sum of money.

5. You’ve won the lottery. Don’t believe e-mails that say you have won a big cash prize and all you have to do is give your bank account so they can transfer the money over to you. Yeah, right! Maybe they will transfer your money over to them is the better way to put it.

6. Take a dream get away. This offer will encourage you to go on a vacation in a spectacular place for just a low price. The catch? You have to make a reservation before the offer expires. Remember, scammers are always on the rush to get your money.

7. Earn money from your computer. Some scams would promise you to earn cash just by installing a program into your computer and you instantly start earning as you surf the web. Sounds good and harmless? This is actually just a tactic to spy on your activities online and steal your personal information.

8. Auction scams. Beware of sellers and buyers at online auctions who may entice you to place an order or accept an order. If you’re a buyer, you may end up sending money for an item that will never be shipped to you. If you’re a seller, you may ship an order to a customer who really has no intention of paying you.

9. You’ve won a prize. You may be told that you won a prize like an iPod, an Xbox, a headset and other great stuff. The catch? Just provide them your credit card number and all you have to pay are the shipping costs.

10. Join an online contest. The contest may seem authentic and may offer fabulous prizes but be careful of joining online competitions that are not from reputable sources. You may be asked to give your credit card info, name, address and other personal details that are needed “in case” you won.

*REMINDER: If you encounter any of the above online scams, don’t hesitate to contact the Federal Trade Commission.

If you get an email claiming to be from the IRS and if you doubt its authenticity, call the IRS at 1-(800) 829-1040 to confirm if they are trying to contact you.

To report a fraudulent or suspicious email claiming to be from the IRS, call the Treasury Inspector General for Tax Administration at 1 (800) 366-4484. Furthermore, report identity theft to the Federal Trade Commission at www.consumer.gov/idtheft.

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debt negotiation

How to Better Negotiate Debt with Creditors

Here are top ten tips on how you can deal more effectively with your creditors:

1) Don’t hide. When you delay or miss a payment, your creditor will try to contact you. Never try to hide or ignore your creditors. Ignoring your debts will not solve anything and it can only make matters worse.

2) Contact your creditor. Do you think you won’t be able to make your payment on time? At the first sign of financial trouble, take the initiative to speak with your creditor.

Inform your creditors right away and don’t be afraid to ask for an adjustment. Usually, creditors would agree not to report your late payment if you notify them in advance and make it up within 30 days.

3) Be Polite. When communicating with your creditors, exercise courtesy and be professional. How you speak with your creditors can affect the result of your negotiation. Remember, you’re trying to appeal to your creditor’s consideration. It would not help if you will raise your voice or use foul language.

4) Be Open. It’s important for creditors to know that there is a reason why you failed to keep up with your payments. Are you experiencing financial crisis? Have you been laid off from work? Have you been ill? Are you going through a divorce? You don’t need to explain all the details of your personal life but you need to be honest about your situation. Covering up things with lies won’t help.

5) Negotiate. Many borrowers do not think negotiating will be possible. The truth is, most creditors would be willing to work out a solution if you only ask. Show your creditors that you are willing to pay your debts and that you are not backing away from your responsibility.

6) Write it in a letter. Talking to your creditors by phone is only the first step. Be sure to get everything in writing. Send your letter of request via registered post mail and keep a record of any form of correspondence between you and your creditor for future references.

7) Stay true to your promises. Do not make a promise that you know you can’t keep. Trust is crucial. Be honest about how much you can afford to pay back and seriously consider the time frame you need before setting a repayment date.

8) Don’t fight with your creditors. Some borrowers threaten their creditors with bankruptcy but this  may only aggravate the situation. Your goal should be to settle an agreement with your creditor, not to start a dispute.

9) Don’t keep your creditors waiting. Once a negotiation has been made, do your best to stay true to your agreement. Still, if things don’t go as expected, do not keep your creditor waiting for your action. Get in touch with them right away and inform them about your situation. Your best bet is to re-appeal for your creditor’s consideration.

10) Know your rights as a borrower. The Federal Trade Commission (www.ftc.gov) has made provisions for all consumers against creditor harassment and unfair debt collection practices. If you feel that your rights have been violated, do the necessary action. File a complaint to the Attorney General’s Office of your State and the FTC.

*More tips: If you’re thinking about seeking debt consolidation or credit card debt consolidation, be cautious on choosing a debt consolidation agency. To be sure, find a government accredited credit counseling agency and ask for a recommendation.

Check out www.justice.gov for a list of credit counseling agencies approved by the US Department of Justice or the National Foundation for Credit Counseling (www.nfcc.org)for a list of non-profit organizations providing low cost credit advice.

Do you have tips to add about this topic? Please share it with everyone by leaving a comment. Thanks=)

Online Marketing Service Company for Small Business

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Currently, this company is providing marketing services to popular companies such as Philips, JK design, Covance, Stevens Institute of Technology, RAR Online, and The Enneagram Institute. For those who would like more information, check out their site or fill out this online marketing servicecontact form.

Top 10 Computer Terminologies You May Not Yet Know

Here are top ten terms associated with computers that you may often hear but not really sure about their meaning:

1. Cache. This is a temporary storage that holds all data used while you’re surfing the internet. This enables quicker access time when you re-visit the same web pages that uses the same data packets.
2. CAT. The term is short for “categories” and refers to different cable wirings, junctions and connectors set by the American National Standards Institute. Cat specifications come in 7 categories. The mostly commonly used for computers are the Cat 3, Cat 5, and Cat 6. These cables are also commonly known as Ethernet connectors.
3. LAN. LAN or Local Area Network is the type of connection that is used when several computers share the same type of network.
4. ROM. Read Only Memory is a storage in your computer system that stores the basic instructions that needed to boot or start up the computer.
5. USB. USB or Universal Serial Bus is the most widely used type of port used in computers today. It enables the user to simply plug and play an external device to the computer.
6. Bandwidth. This is the unit of measure used to calculate the capacity of a connection to carry data. When a line is enable to carry a larger bandwidth, naturally the connection is also faster.
7. BIOS. Basic Input/Output System. This is the program stored in the ROM that controls all the hardware you use with your computer.
8. IDE. Integrated Device/Drive Electronics. It is an interfaced used for hard drives which usually accommodates up to 8.4GB of files.
9. HTTP. HTTP or Hypertext Transfer Protocol refers to the protocol used to transfer information through internet. The user agent or client requests information from the origin server. Thus, web addresses always begin with http.
10. URL. The Uniform Resource Locator is simply the web site address that differentiates one  web site from the others.