Tuesday, March 27, 2012

GED scam offers tests online


You can't take a GED test online — yet.
At least, not legitimately.
The Region 9 Education Service Center announced Friday that if earning a GED is on your to-do list for the spring, you can start the process by attending three orientation days at its service center, Tuesday through Thursday.
If the orientation days are completed successfully, students move into free GED preparation in daytime classes at the Galaxy Center or Wayland Baptist or in evening classes at Region 9 — beginning the training as early as April 3.
Their announcement comes on the heels of a national report that fraudulent online testing services are offering fake credentials to students who pay a fee to pursue their GED and to test online.
The GED Testing Service filed a lawsuit against a network of 13 websites, alleging they used the GED trademark to set up convenient websites for earning a GED that offered fake tests and diplomas.
"If you're not coming in person, it's not legitimate," said GED director Randy Trask in a report by MSNBC on the "Today Show."
Octaviano Garza, Region 9 adult education program coordinator in Wichita Falls, said he only recently learned about the GED scams and hadn't had anyone personally complain to him about them.
He said some legitimate companies — including colleges — are in the GED business for a profit. Region 9, however, offers a program that's federally- and state-funded through the Texas Education Agency.
"And it's free," Garza said.
Paid programs "take advantage of those folks that really are not aware of the fact that ... the state offers it at no cost to students," Garza said.
Various legitimate online sites may charge a fee to help students prepare and practice for the GED test, but the test itself cannot be taken online.
Even his program won't administer the test but only prepares them with the orientation and classes.
"We try to set them up to succeed when they take the test," Garza said. "When we send them to take it, we know they will pass. We do practice tests and assessments. Once they get to the score they need on the practice test, then they need to go take the test."
The Region 9 program is held accountable by the state and federal government and must show proof of moving students along a timeline of six accomplishments that lead up to completion of the GED.
Region 9's program starts with the three-day orientation that serves as a screening for a participant's commitment to the process. It's also a training opportunity to give them information about goal-setting, dealing with barriers, budgeting and planting the seed about the possibility of going further than just the GED in their education.
It primes them for success, Garza said. "We show them job pay ranges and different things they can do in different professions."
The Chamber of Commerce officials also visit the orientation and urge students to earn the National Career Readiness Certificate, which will give them an edge with employers. It certifies the student has mastered soft skills that enhance their performance in the workplace.
The three days of orientation can be taken in the daytime, from 9 a.m. to noon, or in the evening, from 6 to 9 p.m., and anyone interested in preparing for their General Education Development Test — the GED — must attend all three days in daytime or evening.
Once complete, students are folded into ongoing GED classes at a convenient place within the 12-county area by April 3.
Another spring orientation begins April 23, 24 and 25. The next orientation begins in July.
Such classes are more needed than ever before, Garza said.
Both nationally and locally, the drop-out rate is rising. Once, one in five students dropped out of school without earning their diploma; today, it's one in four.
"That's pretty bad," Garza said. The problem affects students in all subgroups, but mostly low economic and minority students, or those who come from homes where both parents work and emphasis is not given to academia, he said.

Beware of mortgage settlement scams


Realtors are warning California homeowners to beware of solicitations from scammers claiming to provide assistance related to the recent national mortgage settlement. An official warning about the mortgage settlement scams was recently issued by the office of California Attorney General Kamala D. Harris.
The national mortgage settlement is an agreement reached by 49 state attorneys general and the federal government with the nation's five largest loan servicers--Bank of America/Countrywide, JPMorgan Chase/Washington Mutual, GMAC Mortgage/Ally Financial, Citibank/CitiMortgage and Wells Fargo/Wachovia, after many months of negotiation. The settlement, which will provide as much as $25 billion in relief to distressed borrowers and direct payments to states and the federal government, addresses past mortgage loan servicing and foreclosure abuses and fraud, provides substantial financial relief to borrowers harmed by bank fraud, and establishes significant new homeowner protections for the future.
"Often, on high profile settlements like this, scam artists prey on the vulnerability of desperate homeowners. Their goal is to make a quick profit through fees for services they claim they can do," said Suzanne Yost, president of the Silicon Valley Association of Realtors. "Financially distressed homeowners are especially vulnerable to scams."
Homeowners receiving solicitations from third parties offering them access to funds under the national mortgage settlement should not provide any personal or financial information. They should report the solicitation to the California Department of Justice or file a complaint online athttp://ag.ca.gov/contact/complaint_form.php?cmplt=CL.
Californians seeking relief under the state's recent $18 billion mortgage settlement should heed the following tips to avoid falling prey to scams:
• Be skeptical of third-party phone solicitations. Only your bank/loan servicer can assist you with regard to the recent national mortgage settlement.
• Do not give a solicitor your personal financial information such as your bank account number, Social Security number or even the name of your loan servicer. Your bank will already have this information.
• Never pay an upfront fee for mortgage-related services. It is against California law and should be reported to the California Department of Justice.
• Call your bank directly to see if you qualify for relief under the settlement.
For additional information regarding the mortgage settlement, visit http://oag.ca.gov/nationalmortgagesettlement. For free, trustworthy advice, homeowners may also call a HUD-approved counselor at 888.995.4673, or call Keep Your Home CA at 888.954.5337.

Emergency Scams Thrive on Money Transfers

You get a call out of the blue. Someone you know is either in jail or in an accident. They need cash fast. “Can you wire the money?” 

This “emergency” scam has been around for a while, but lately it’s been targeting older Americans. It always involves an urgent need for money that should be wired to some remote location.
More than half of the 900,000 fraud complaints reported to the U.S. Federal Trade Commissioninvolved wire transfers. The modus operandi works well for the swindlers, who generally take the money and run.
Western Union, a company that provides money-transfer services, warns that “with upcoming spring and summer travel, we are advising consumers to look out for fraudsters pretending to be family members or friends who have run into trouble (often while traveling or overseas) and are asking you to send them money immediately through a money transfer service.”
Here’s how older people are targeted, courtesy of the Mississippi Attorney General’s (MAG) Office:
“There are commonly two methods used in an attempt to fulfill this scam. In the typical scenario, a grandparent receives a phone call from the fraudster claiming to be one of his or hers grandchildren.  The caller goes on to say that they are in some kind of trouble, usually a car accident, returning from a foreign country, or even bail money and need money immediately.
Victims don’t verify the story until after the money has been sent as the caller specifically asks that they do not want other relatives to know what has happened by asking  `Can you please help me?  I’m in jail (or in the hospital or in some type of financial need). But don’t tell Dad.  He would kill me if he found out, please sent the money ASAP. I’m scared.’
Wanting to help their grandchild, the victim sends money by a money transfer company such as Money Gram or Western Union. Variations on the scam exist such as an old neighbor, a friend of the family etc. but predominantly the emergency scam is directed toward the grandparents.
In a recent variation of this scam, compromised contact lists from hijacked email accounts are used to send the potential victim an “urgent” email request for money from a friend or relative with whom they have a correspondence. Common themes continue to be hospitalization or imprisonment while away from home.  The friend is unaware that their account has been used to send out these requests to everyone on their contact list.”
How do you avoid these grifters? Here’s more advice from the MAG:
Your first safeguard is do not respond to any unsolicited e-mails of this nature.
  • Do not click on any attachments associated with such emails, as they may contain viruses or malware.
  • Educate yourself and your family on how the scam works.
  • Be suspicious of anyone who is vague in identifying themselves on the phone.
  • Be suspicious of anyone who calls unexpectedly and wants you to wire money–especially out of the country.
  • Typically, the scammer will tell you to keep the conversation a secret.  Know that the right thing to do is to call someone else in the family to verify the situation.
  • Consider creating a “code word” or a “password” for your family to use in emergency situations as verification of identity and do not tell it to anyone outside of the family.
  • Always protect your PII (Personally Identifiable Information).  Giving it out could cause you to become a victim of identity theft.

Monday, March 26, 2012

Dating safety: Don't let them steal more than your heart

When your grandparents started dating, chances are they knew each other already or had mutual friends. In those days, a blind date — going out with someone you hadn't met or knew nothing about — was a rarity. 

Today, with the boom in online dating, going on first dates with strangers is commonplace, while dating a friend seems like the "old-fashioned" approach.

Plenty of people find love online every year, but when you're dating a stranger, it's important to take steps to ensure the only thing they steal is your heart. Online dating, and other forms of blind dating, require extra caution to protect your personal information from those who might use it without your permission.

Safely connecting online 

Joining one or more dating websites can be a great way to meet people you might enjoy spending time with. Yet, nearly half of online daters fail to verify the authenticity of a potential match before communicating, according to a survey conducted by Impulse Research on behalf of ProtectMyID.

By following some basic safety guidelines, you can help ensure the experience is as positive as possible and minimize the risk of being targeted by cyber criminals who frequent dating sites.

First, be careful what you share in your profile. Never provide your full name, phone numbers, personal email addresses, home address, or other potentially identifying information such as where you work. Use the website's built-in tools for contacting and communicating with other members.

Be wary of requests for personal information such as where you bank or what you are doing. And be careful to not reveal potentially valuable information, such as your mother's maiden name (a frequently used identifier for online accounts).

These warnings sound obvious, but be alert that the information doesn't reveal itself in obvious ways. Scammers might make a request for a banking recommendation, or an inquiry as to where your family is from.

No matter how convincing the story, never respond to a request for money or financial information. Instead, report the individual to the website's security team; there's never any reason for someone you've just met (or haven't yet met) to make that kind of request.

While you're bringing so many new people into your life, keep an eye on your credit and financial accounts to ensure you detect fraud quickly. An identity theft protection service like ProtectyMyID can help you monitor your credit and know sooner if your identity has been compromised.

ProtectMyID uses daily Internet scanning to determine if your information appears on suspect sites or chat rooms that specialize in trafficking stolen credit card numbers. Identity theft resolution agents also provide personal assistance to resolve new identity theft issues.

Communicating safely 

Once you've made initial contact, be smart and cautious in your communications. Don't exchange private emails or engage in texting or instant messaging until you've gotten to know the person better through the website's protected communication methods.

When you're ready to talk to each other, consider doing so through an online service like Skype or Yahoo Messenger, rather than exchanging phone numbers. These free services allow you to have a voice conversation over the computer without revealing something as personal as your cell phone or land line number.

Meeting for the first time 

When you take the next step and meet in person, always take precautions. Meet in a public place and make sure a trusted loved one knows where you will be, who you are with and how long you expect to be there. Keep your cell phone handy and consider arranging a check-in with a trusted friend.

Drive your own car to the meeting or arrange for your own taxi; don't rely on your date for transportation. Adhere to the safety basics that you always have in place when you go out, including keeping personal items and your drink in your possession at all times and leaving unneeded ID like your Social Security card at home.

If meeting your online date requires long-distance traveling, you need to be even more careful and smart. Make sure someone at home knows your travel plans and schedule.

If you're arriving at your destination by plane, do not accept a ride from the person you're meeting and don't agree to stay in their home. Instead, arrange for your own rental car or taxi and stay in a hotel. Do not disclose the location of the hotel until you've met the person and established a level of trust.

Finally, if something doesn't feel right or you feel pressured, end the date immediately. Trusting your gut can help protect you from an unpleasant or unsafe experience. 



Source: http://www.postbulletin.com/news/stories/display.php?id=1490969

How to Use Google and Facebook for Online Dating Safety


This week, the Attorney General of the State of California announced the Joint Statement of Key Principles for Online Dating Safety.
Online dating sites eHarmony, Match.com and Spark Networks have agreed to help their members date more safely.
As part of this agreement, sites will educate members on online dating safety tips, initiate a rapid abuse reporting system, and will screen against the sex offender list.
While this is huge news for the online dating industry, will it make you feel safer while looking for love online?
As a cyber-relations and online dating expert, I spend a large portion of my time educating singles on how to feel more comfortable and to practice online dating safety tips.
I encourage singles to trust their intuition as it can be powerful. However, I do have a few digital tricks up my sleeve that I'd like to share with you. After all, you're better safe than sorry.
I encourage you to use Google and Facebook, both sites that you're probably accessing daily as your dating buddy or support system. Here are five online dating tips to use, short of paying for a background check.
1. Sign up for a Google Voice phone number.
It's simple to do by visiting Google.com/voice. You can have your calls sent to your mobile phone or home phone and even activate call-screening to find out whose on the other end of the line. Text messages of your caller's transcript can be sent to your mobile phone. It's free. What are you waiting for?
2. Do a Google Search for the phone number of your date.
If your intuition says that something might be wrong with your potential date, type in his or her phone number into a Google search. This will confirm who they are and at times may reveal that there's been a problem associated with that phone number if it's been reported for suspicious activity in the past.
3. Set up a gmail account in Google to use for dating purposes only.
This will not identify who you are until you're ready to meet your date. You do need to protect your identity early on while corresponding with someone you haven't met yet.
4. Do a Google search for the email address of the person you're corresponding with.
While you want to go into your new relationship with trust in mind, if you feel uneasy for any reason, just type in his or her email address. This tip helped a woman who was corresponding with a man cancel her date when she found out that he had registered with that email address for a tantra sex and adult swingers site in a personal ad.
5. Search for your date's name on Facebook and see if the photos match up.
Sure we hope there's truth-in-advertising, but if the online dating photos appear to be 10 years younger and 15 pounds lighter, you know their fibbing on their profile. Check to see if you have any friends in common, which will make you feel better about meeting your date. However, don't send a Friends request before or after a first date. It's just too soon to be digitally checking up on each others' status updates.
At the end of the digital day, if someone is harassing you who you've met online or asks for money, report their profile right away to the dating site as suspicious. Dating sites take safety very seriously.
For more online dating safety tips visit CyberDatingExpert.com andFacebook.com/CyberDatingExpert
Julie Spira is an online dating and cyber-relations expert. She's the author of the bestseller, The Perils of Cyber-Dating: Confessions of a Hopeful Romantic Looking for Love Online. Follow@JulieSpira on Twitter.

Rental scams can target either landlords or tenants


Three days after listing a house for sale, real estate agents Richard and Jean Murphy of Portland, Maine, began receiving a surprising number of calls — not from buyers but from would-be tenants.
It turns out the callers were answering an ad that said the place was for rent, "and at a really low price," the agents for Harborview Properties recall. Worse, the "owner" was not the Murphys' client. It was someone living in another state who told callers that if they sent $1,500, the place would be theirs.
One woman did that just before she called the Murphys, but by then it was too late. Her money was gone forever.
False advertising is just one of many fraudulent schemes designed to fleece unsuspecting renters.
The FBI and other federal agencies keep tabs on the billions of dollars that lenders lose to fraud every year, but no one has a handle on how much owners and tenants lose.
"I've tried to find statistics," said Michael Schaffer of CheckYourLandlord.com, "but I've never been able to."
That's probably because few people report they've been had, probably because their losses are small.
"When you lose $1,000 to $2,000, you chalk it up to your own stupidity and move on," said Schaffer, whose website checks prospective landlords to make sure they are legitimate.
The rental gambits run the gamut, from "send your money to Nigeria and we'll send you the keys" to posing as property managers and stealing potential tenants' confidential personal and financial information. Some con artists even set up fake management companies, complete with websites, and run the scam on multiple victims before moving on.
One of the most popular ruses these days is run by cash-strapped owners who are nearing the end of the foreclosure process after failing to make their payments. They vacate the property and rent it to an unsuspecting tenant. But instead of paying their mortgage, they pocket the cash. When the sheriff shows up to evict the owner, it is the tenants who are sent packing if they can't produce a lease that the lender will honor.
In other cases, con men have been known to break into abandoned houses, advertise the place for rent and collect one or more months' rent and a security deposit. In return, the "tenant" receives a lease, but it's worthless.
In some instances, nonpaying tenants are the swindlers. About to be evicted, they pose as the owner of the property, collect the first month's rent and security deposit, possibly from multiple victims, and then move out, never to be heard from again.
You can protect yourself from becoming a victim of these and other ploys by making sure the people you're dealing with are who they say they are. Although the service provided by CheckYourLandlord.com is convenient and inexpensive, you can do much of the legwork yourself.
Start by asking for identification. Most people don't because they are afraid they might offend someone. But, Schaffer warned, "you can never be sure who you are dealing with if you don't see a driver's license."
Next, make sure that the person owns the property and that the place is not in foreclosure. In most jurisdictions, this kind of information is online. Start at the county's website and look for the recorder of deeds or the assessor's office. One or the other will tell you who the legitimate owner is and whether a lender has recorded a notice of default — or lis pendens — against the property.
Also look for other liens, perhaps filed by a homeowners association for unpaid dues, a government jurisdiction for unpaid property taxes or a plumber for an unpaid bill. Any one of these may be a sign that the owner is in financial trouble. So are bankruptcies, criminal actions or civil cases filed against the owner, especially by previous tenants.
Another potential red flag is a lien against another property owned by the same person. While this is not indicative of high risk in and of itself, Schaffer said, it could mean that the owner is in financial hot water.
If this kind of information isn't online, you'll have to look it up in person at the county courthouse or pay CheckYourLandlord. For no charge, the site will search databases to determine whether any default notices have been filed. And for $27.95, it will perform the other tasks mentioned above.
None of this is a guarantee that you won't be fleeced. After all, a legit landlord may run into problems after you move in.
Working with a property manager or real estate agent doesn't guarantee anything either. Schaffer said you should check out the company and its representative just as thoroughly as you would an owner representing himself.
Ask for a photo ID, such as a driver's license, and proof that the manager or agent has a right to sign a lease on behalf of the owners. And check out the property owner yourself, because the agent or company you are dealing with may not have done its own due diligence before listing the house for rent.


Source: http://www.latimes.com/business/realestate/la-fi-lew-20120325,0,7596418.story

Friday, March 23, 2012

Online Dating Scams


Are you thinking --- who would ever do online dating? More people than you think. In fact, millions of Americans use dating sites, social networking sites, and chat room to meet people.

It does work. In fact, one out of five relationships starts online. I know professional people who used online dating; it resulted in marriage.
But as with anything, you have to be careful so you are not scammed. On the Internet, it’s easy to pretend to be someone you are not. Are you really friends with all of your “friends” on Facebook? Do you have a lot of personal information on a dating site? With so much information about you online, a scammer can sound like they know you.
They create fake profiles to build online relationships, and eventually convince people to send money in the name of love. Some even make wedding plans before disappearing with the money.
OnGuardOnline.gov has some great tips to help you avoid scams. Be wary if your “sweetheart” does the following:

  • Suggests leaving the dating site immediately and use personal email
  • Moves the relationship along too quickly
  • Claims to be a U.S. citizen who travels out of the country frequently
  • Plans to visit, but has to cancel plans due to personal problems, including money
First and foremost do not wire money to your newly discovered “attraction” to cover:
  • travel
  • medical emergencies
  • hotel bills
  • hospital bills for a child or other relative
  • visas or other official documents
  • losses from a temporary financial setback
  • losses from a mugging or robbery
Tell me about your experiences with online dating. Maybe I can help. I’ve been married 45 years, surely I’ve learned something about relationships in those 45 years.




Source: http://southerncolorado.bbb.org/post/online-dating-scams-says-carol-17675

Scams Promise Fake Tax Refunds


Every year during tax season, scammers find new ways to steal money from taxpayers. In response, every year the Internal Revenue Service (IRS) publishes a list of common scams to help taxpayers avoid fraud.
This year the IRS is warning about a scam that promises fake tax refunds and targets senior citizens and low-income individuals. The agency says that in recent weeks this scam has been increasingly reported across the country.

Scam Offers Free Money

Scam artists promise tax refunds which are supposedly part of The American Opportunity Tax Credit, originally designed to help people with college expenses. They claim incorrectly that the refund is available, even if the person attended college decades ago.
In a twist, they are also telling victims that they can benefit from this credit if they even paid taxes on groceries while attending college.
The IRS says scam artists have been looking for potential victims at church gatherings and are targeting senior citizens and people with little or no income who don't usually have to file taxes.

Victims Pay a High Cost

People who fall for these scams have a lot to lose.
For starters, they pay high fees for bogus tax preparing services. And when they figure out they have been scammed, criminals usually have already disappeared with their money.
“This is a disgraceful effort by scam artists to take advantage of people by giving them false hopes of a nonexistent refund,” said IRS Commissioner Doug Shulman in a statement. “We want to warn innocent taxpayers about this new scheme before more people get trapped.”
By law, taxpayers are legally responsible for the accuracy of their tax returns.  If the IRS issues a refund by mistake, taxpayers are obligated to return the refund.

How to Protect Yourself

Unfortunately for many, tax season is also scams season. Warning signs of tax scams include:
  • Promises of refunds based on false statements.
  • Unfamiliar companies that sell refunds or credits to members of local churches.
  • Internet ads or emails with toll-free numbers. When people call, they are asked for their Social Security number.
  • Homemade flyers and brochures offering or implying credits or refunds to people who are not eligible.
  • Offers of free money without requiring documentation.
  • Promises of refunds for “Low Income – No Documents Tax Returns.”
  • Unsolicited offers to prepare a return and split the refund.

How to get help

The IRS website has lots of resources. It includes links to forms and publications, information on how to file taxes online and instructions on how to arrange payment plans and installment agreements.
You can also call the IRS directly at 1 (800) 829-1040.
USA.gov and GobiernoUSA.gov are the U.S. Government’s official web portals in English and Spanish, and part of the U.S. General Services Administration (GSA).


Source: http://latino.foxnews.com/latino/money/2012/03/22/scams-promise-fake-tax-refunds/#ixzz1pt3wdY76
 

Thursday, March 22, 2012

Online Dating Websites Fight Back Against Scammers


Major dating websites pledge to do more to protect consumers

Although three of the biggest online dating websites have signed an agreement with the California Attorney General to prevent scammers and criminals from using the sites, questions remain if the agreement will truly provide protection to the 40 million online users looking for love.
The agreement comes six weeks after an NBC4 Investigation exposed how scam artists were posting fake profiles on the sites to trick unsuspecting users into give them money. In a related story, Match.com was sued last fall by a client who was raped by a man she met on the site, who was a convicted sex offender.
Now, Match.com, eHarmony and Sparks Networks (which operates JDate and ChristianMingle) have agreed to start checking subscribers' names against national sex offender registries, such as California's Megan's Law database. Any convicted sex offender will be banned from using the sites.
But that won't necessarily keep all dangerous predators from posting online profiles, NBC4 Legal Analyst Royal Oakes said.
"If they're not on a registered sex offender list, maybe they assaulted somebody; maybe there's some criminal activity in some jurisdiction that the dating service hasn't dug up," Oakes said.
The three companies signing this agreement are also taking steps to protect users from financial scams. In the NBC4 Investigation, numerous Match.com users said they were scammed into giving thousands of dollars to people they met on the site.
"I trusted the legitimacy of the people who would be on there," said Heidi Lehmann of San Pedro.
Lehmann was contacted in 2010 by a Match.com client who called himself "Arnold Hartmann" of Long Beach.
NBC4 discovered Hartmann was living in Nigeria, and that he lured Heidi with an online profile using pictures of a professional model stolen off the Internet. During months of emails and live chats, he told Heidi he loved her, and convinced her to wire him $50,000 before they ever met.
As part of their agreement with the California AG, the dating sites have promised to supply members with tips to avoid getting involved with scammers, and they'll issue periodic "scam warnings."
But many users of online dating sites told NBC4 they've learned a tough lesson: You can't rely on these online companies to screen out crooks and scammers; you have to do it yourself.
Last fall, Dawn Demars of Thousand Oaks was romanced for weeks by an online scammer she met on Match.com. After telling her he wanted to spend his life with her, "Frank Chadwicks" asked for a $5,000 "loan."
She decided to do her own background check on "Frank" and found he was using a fake name, address and someone else's photos.
DeMars never gave her scammer a cent.
"Women and men are left just to protect themselves, because there's nobody there to help you," says DeMar.