Beware of Internet Scam!! There is a very big numbers of Internet scam. The most famous is the emails send to millions of people around the world. Giving away millions of US Dollars with a very convincing story. Like someone pass away leaving million of dollars and it should be given to the right people. This is the old scam and still around, so many people lost their savings because of this scam. The Free million of Dollars is a Big Bait. That is not true. " Marami nang naloko dito " all over the World.Don't ever give any important information like Bank Account or Credit Card Number if it is not encrypted. Please do not believe this people. It's a SCAM or Panloloko Lamang. Huwag maniwala sapagkat ito ay panloloko lamang. Please read the top 10 Internet scam below.
Top 10 Internet Scams
1) The Nigerian scam, also known as 419
Most of you have received an email from a member of a Nigerian family
with wealth. It is a desperate cry for help in getting a very large sum of money
out of the country. A common variation is a woman in Africa who claimed that her
husband had died, and that she wanted to leave millions of dollars of his estate
to a good business.
In every variation, the scammer is promising
obscenely large payments for small unskilled tasks. This scam, like most scams,
is too good to be true. Yet people still fall for this money transfer con game.
They will use your emotions and
willingness to help against you. They will promise you a large cut of their
business or family fortune.
All you are asked to do is cover the endless legal and other
fees that must be paid to the people that can release the scammer's money.
The more you are willing to pay, the more they will try to
suck out of your wallet. You will never see any of the promised money, because
there isn't any. And the worst thing is, this scam is not even new; its variant
dates back to 1920s when it was known as 'The Spanish
Prisoner' con.
2) Advanced fees paid for a guaranteed loan or credit card
If you are thinking about applying for a "pre-approved" loan or a
credit card that charges an up-front fee, ask yourself: "why would a bank do
that?". These scams are obvious to people who take time to scrutinize the offer.
Remember: reputable credit card companies do charge an annual fee
but it is applied to the balance of the card, never at the sign-up. Furthermore,
if you legitimately clear your credit balance each month, a legitimate bank will
often wave the annual fee.
As for these incredible, pre-approved
loans for a half-a-million dollar homes: use your common sense. These people do
not know you or your credit situation, yet they are willing to offer massive
credit limits.
Sadly, a percentage of all the recipients of their "amazing"
offer will take the bait and pay the up-front fee.
If only one in every thousand people fall for this scam, the
scammers still win several hundred dollars. Alas, far too many victims,
pressured by financial problems, willingly step
into this con man's trap.
3) Lottery scams
Most of us dream of hitting it big, quitting our jobs
and retiring while still young enough to enjoy the fine things in life. Chances
are you will receive at least one intriguing email from someone saying that you
did indeed win a huge amount of money. The visions of a dream home, fabulous
vacation, or other expensive goodies you could now afford with ease, could make
you forget that you have never ever entered this lottery in the first place.
This scam will usually come in the form of a conventional
email message. It will inform you that you won millions of dollars and
congratulate you repeatedly. The catch: before you can collect your "winnings",
you must pay the "processing" fee of several thousands of dollars.
Stop! The moment the bad guys cash your money order, you lose.
Once you realize you have been suckered into paying $3000 to a con
man, they are long gone with your money. Do not fall for this lottery scam.
4) Phishing emails and phony web pages
This is the most widespread Internet and email scam
today. It is a "sting" con game. "Phishing" is identity and password theft based
on convincing emails and web pages. These emails and web pages resemble
legitimate credit authorities like Citibank, eBay, or Paypal.
They frighten or entice you into visiting a phony web page and entering your ID
and password. Commonly, the guise is an urgent need to "confirm your identity".
They will even offer you a story of how your account has been attacked by
hackers to lure you into entering your confidential information.
The email message will require you to click on a link. But
instead of leading you to the real login https: site, they will to a fake
website. The fake website is often very convincing looking.
You then innocently enter your ID and password. This
information is intercepted by the scammers, who later access your account and
fleece you for several hundred dollars.
This phishing con , like all cons, depends on people
believing the legitimacy or their emails and web pages. Because it was born out
of hacking techniques, "fishing" is stylistically spelled "phishing" by hackers.
Tip: the beginning of the link address should have
https://. Phishing fakes will just have http:// (no"s" . If still in doubt,
make a phone call to the financial institution to verify if the email is legit.
In the meantime, never click on the link in any suspicious email.
5) Items for sale overpayment scam
This one involves an item you might have listed for
sale such as a car, truck or some other expensive item. The scammer finds your
ad and sends you an email offering to pay much more than your asking price. The
reason for overpayment is supposedly related to the international fees to ship
the car overseas. In return, you are to send him the car and the
cash for the difference.
The money order you receive looks real so you deposit
it into your account. In a couple of days (or the time it takes to clear) your
bank informs you the money order was fake and demands you pay that amount back
immediately.
In most documented versions of this money order scam, the money
order was indeed an authentic document, but it was never authorized by the bank
it was stolen from.
In the case of cashier's checks, it is usually a convincing
forgery. You have now lost the car, the cash you sent with the car, and you owe
a hefty sum of money to your bank to cover for the bad money order or the fake
cashier's check.
6) Employment scams
You have posted your resume, with at least some
personal data accessible by potential employers, on a legitimate employment
site. You receive a job offer to become a "financial representative" of an
overseas company you have never even heard of before. The reason they want to
hire you is that this company has problems accepting money from US customers and
they need you to handle those payments. You will be paid 5 to 15 percent
commission per transaction.
If you apply, you will provide the
scammer with your personal data, such as bank account information, so you can
"get paid". Instead, you will experience some, or all, of the following:
* identity theft,
* money stolen from your account, or
* may receive fake checks or money orders for payments which you deposit into
your account but must send 85 – 95 percent of that to your "employer".
Soon you will owe much money to your bank!
In other instance, you will receive an unsolicited e-mail message from a
"multinational
company" congratulating you for being selected for a specific job. The e-mail
contains details about the "hiring company", the positions needed, and a very
enticing compensation package. You will be asked to send money through Western
Union as processing fee or reservation fee.
7) Disaster relief scams
What do 9-11, Tsunami and Katrina have in common? These are
all disasters, tragic eventswhere people die, lose their loved ones, or
everything they have. In times like these, good people pull together to help the
survivors in any way they can, including online donations. Scammers set up fake
charity websites and steal the money donated to the victims of disasters.
If your request for donation came via email,
there is a chance of it being a phishing attempt. Do not click on the link in
the email and volunteer your bank account or credit card information.Your best
bet is to contact the recognized charitable organization directly by phone or
their website.
8) Travel scams
These scams are most active during the summer
months. You receive an email with the offer to get amazingly low fares to some
exotic destination but you must book it today or the offer expires that evening.
If you call, you'll find out the travel is free but the hotel rates are highly
overpriced.
Some can offer you rock-bottom prices but hide certain high
fees until you 'sign on the dotted line'. Others, in order to give you the
'free' something, will make you sit through a timeshare pitch at the
destination. Still others can just take your money and deliver nothing.
Also, getting your refund, should you decide to
cancel, is usually a lost cause, often called a nightmare or mission-impossible.
Your best strategy is to book your trip in person, through a
reputable travel agency or proven legitimate online service like Travelocity or
Expedia.
9) "Make Money Fast" chain emails
A classic pyramid scheme: you get an email with a list of
names, you are asked to send 5 dollars (or so) by mail to the person whose name
is at the top of the list, add your own name to the bottom, and forward the
updated list to a number of other people.
The author of this scam letter painstakingly explains that, if more and
more people join this chain, when it's your turn to receive the money, you might
even become a millionaire!
Bear in mind that, most times, the list of names is manipulated to
keep the top name (the creator of the scam, or his friends) on top, permanently.
As with the previously circulating snail-mail version of this chain, the
email edition is just as illegal. Should you choose to participate, you risk
being charged with fraud – definitely not something you want on your record, or
resume.
10) "Turn Your Computer Into a Money-Making Machine!"
Although not a full blown scam, this scheme works as
follows: You send someone money for instructions on where to go and what to
download and install on your computer to turn it into a money-making machine --
for spammers.
At sign-up, you get a unique ID and you have to give them your
PayPal account information for the "big money' deposits you'll soon be
receiving. The program that you are supposed to run, sometimes 24/7, opens
multiple ad windows, repeatedly, thus generating per-click revenue for spammers.
In other scenario, your ID is limited to a certain
number of page clicks per day. In order to make any money whatsoever from this
scheme, you are pretty much forced to scam the spammers by hiding your real IP
address with Internet proxy services such as "findnot", so you can make more
page clicks.
I won't even go into the discussion about what this
program will do to your computer's performance... it is a true tragedy if you
get conned into this scam.