The current debate over the difficulty of distinguishing genuine news sources from fake news mirrors the world of online digital scams. As hackers and digital grifters become more sophisticated, it is increasingly difficult for individuals to determine if a contact or communication is legitimate or fraudulent. Less obvious digital frauds tend to develop over a longer period of time as they slowly convince their victims to divulge sensitive information or to send money to unverified sources.
The case of an otherwise intelligent individual who lost $50,000 in a scam that originated with a Facebook contact is instructive. He first accepted a friend request from a woman who claimed to be an army drill sergeant in Afghanistan. They sent emails back and forth for a few weeks before she asked for his help in getting a few packages delivered from Ghana into the United States. Over a period of five months, he wired money to various parties for legal and government fees and storage before he finally realized that the whole relationship was designed to gain his confidence in order to steal his money.
Another digital grift followed a similar pattern. A woman who was searching for funds to pay for a child’s college education discovered that her name was on a list of government grant recipients. The organization that published the list convinced her to pay a $400 application fee and to send another $2,500 before they released the funds. The organization took time to gain her confidence and took advantage of her desire for a larger sum of money to defraud her of what little money she did have.
These incidents reveal that digital grifters are adopting techniques that fraudsters have been using on unsuspecting victims for many years. First, they establish a relationship that gives them critical information about their intended victim. The individual who lost $50,000 wanted to help a soldier who was stationed overseas. The desperate mom needed money for her child’s education. Digital grifters will be more likely to request information than they will to divulge any information about themselves.
Next, they display unparalleled confidence in their ability to deliver results. The army sergeant left no doubt that her packages in Ghana were valuable, and the government grant agency gave its target multiple assurances that education funds were available. If something in a digital solicitation or communication seems to good to be true, it probably is.
Third, the digital grifter creates an appearance of legitimacy. The scammer who posed as an army sergeant posted photographs of an individual in army fatigues, and the college funding website used the legitimate-sounding name “Treasury Grant Fund.” Digital covers are easy to create with social media postings and domain names that cost a few dollars to create.
Last, digital grifters do just enough research to support their stories, but those stories themselves do not hold up to research that the potential victim can perform. Typically, the target does not do that research until after he or she has been defrauded.
You can erect robust defenses against digital grifters, but when those defenses fail, you can fall back on cyber liability coverage to recover your economic losses. That coverage is affordable and increasingly necessary in a world that presents multiple opportunities for digital grifters to target even corporate resources.
Grifters are now shifting from individuals to companies that have greater asset pools. They might, for example, create different website domains and mimic legitimate companies to give the appearance of a large pool of assets that can be used to fraudulently secure loans. A company that suffers a significant loss might be more likely to attract the attention of law enforcement authorities, but months or years might elapse before the company recovers anything from the grifter, if it able to recover anything at all.
Grifters evolve with technology, and their means of trickery and deceit are becoming more and more believable every day. Arm yourself by doing research and asking questions, you won’t regret it.
4 Tips On Coping After A Bad Car Accident
Following a car accident, your physical well-being is naturally at the front of your concern. When you’ve been seriously hurt, though, it can take longer to recuperate both mentally and physically. Even when your body has healed and you’ve gotten back on your feet, the consequences on your mental health may persist. In these circumstances, you must give yourself time to heal, and here is some advice on how to cope emotionally after a bad car accident.
Talk about your worries and concerns
After a major car accident and injury, you may develop concerns and anxiety about a specific event. Talk to your doctor or a psychologist about your anxieties; they may be able to help you overcome them through counselling.
You might want to speak with other people who have been in serious car accidents to learn how they dealt with the initial phases of rehabilitation. While a doctor can help you through psychotherapy, interacting with someone who has been in your shoes can sometimes be more beneficial.
Get the financial help you need
Not only has your car been wrecked, but you may also be out of work for an extended length of time, which can have a negative influence on your income and lead to debt. As a result of these debts, your mental health may be suffering, and you may find yourself thinking about them frequently, causing you to lose concentration on other things.
Speaking with an experienced group of car accident attorneys to see if you have a legitimate case can help you seek financial assistance for your car accident. If you weren’t at fault, you may be able to seek compensation to help you get back on your feet financially. Alternatively, you might speak with a debt counselor about how to pay off your obligations while staying on track with your present budget.
Don’t delay driving
It’s understandable if being in a car accident has made you reluctant to travel by car, especially if you’re the one behind the wheel. However, if you wait a long time after an accident to get back in the car, you’ll be less inclined to ever drive again. Consider the advantages of driving, such as the flexibility to go wherever you choose, the lack of public transportation fees, and the overall convenience for shopping and leisure activities. Slow down, bring someone along to help, and you’ll be back behind the wheel in no time.
Consider a safer car
Finally, even the safest cars can be involved in serious accidents. If you believe your car choices have been unsafe, you might want to look into safer car options. Looking for family cars with extra safety features will make you feel safer while driving, as well as provide you with an extra layer of protection in the event that your car is involved in another accident. Remember, studies show that if you obey the rules of the road and drive carefully, you’re considerably less likely to get into another accident.
How To Improve Your Credit Score
Your credit score is one of the most important things you have in life as it can determine how much money you can borrow. It is something that will be analyzed to determine your affordability for large purchases such as a house, car or if you want to put an item like a phone or expensive watch on finance. Your credit score can be bad for a number of reasons, such as if you have large amounts of debt, if you miss payments or are not on the electoral roll. If you find yourself being contacted by skip tracing for late payments, this will also have a negative affect. To avoid this from happening, it is important to try and build up your score. Whether you have a low score now that you are trying to improve, or you are looking to build your score to the best it can be as you will soon be applying for a large purchase, here are some ways that you can improve it in no time.
1. Keep your credit utilisation low
It is important to keep your credit utilisation low so you don’t look like you rely solely on credit. Credit should be to boost your finances and not something that you solely depend on. You should always try to use less than 50% of your credit utilisation so it shows this. If you can keep your credit usage below 25% of the limit that is the best way to improve your score. If you have used quite a lot of credit it could be worth upping your limit (but not spending any more on it) so it means you are within your 50% limit.
2. Make your payments on time
Late payments are a massive no-no when trying to improve your credit and can stay on your credit report for up to seven years. This is why it is so important to ensure that you make your payments on time, every single month. If you find that you forget to make payments on time, why not try setting up a direct debit that takes the money straight from your account and pays the other debt off? This way you don’t need to remember to do it yourself every month and will make sure that you never miss a payment.
3. Build your credit history
If you don’t have any credit, then it is a good idea to get some so that companies can see how well you pay bills and debts. Why not get a credit card with a small limit and pay it off in full each month? Or take out a phone contract that is in your name? Also make sure that you get on the electoral roll. This is often a problem that a lot of young people have regarding credit but can easily be built up with a few steps.
These are just a few of the ways that you can improve your credit score. By implementing this you will find that your credit score will soon improve and help you with future financial applications.
Would you like getting paid to take surveys?
Taking paid surveys are one easy way to make money in EEUU because you can work at home. The actual social and laboral situation is being difficult to find a job. You can see the positive side: you have a good opportunity to get paid to take surveys.
Honestly, you will not be absolutely rich even if you don´t have a good personal situation but it´s a good way to make money. And if you live in EEUU, you are lucky because this job is better paid than other countries.
Many companies stay in USA and many market studies are done around the country so it is the place where more money are given to people who do the survey completed. The brands want to know what people are talking about, what are their opinion about one product, how is their life, etc. And the paid surveys are a good way to find out it. While more specifics are the answers, the results are getting better for the companies who will be closer than their public objective.
Would you like working to get paid to take surveys? Pay attention to this.
How to apply for paid surveys work
If you are interested in working to get paid to take surveys, you must to login in a sure platform and register. It´s completely free. Once you sign up, you have to wait for an email be sent you, so you need to check the account inbox serveral times.
You need to answer some questions about you because it´s important to create one profile and they can send you questions according to your personality depending on your preferences. One tip is you can answer the questions as precise as possible. On this way, your possibilites to get the job are higher. When you finish to fill your personal information, just wait.
How paid surveys work
You will be better paid in EEUU than other countries. To be honest, you will not be rich taking surveys but it´s extra money if you need anytime. So, get away those companies that promise you earn a lot of money with paid surveys because its not so. When you do the first survey, you will be paid with from $1 to $4. It´s not too much but enough money to help you.
There are a lot of places where you can apply but don´t trust those that promise you earn a lot of money taking paid surveys because it´s not real. You can check, for example, the web https://topencuestaspagadas.net. They show you some safe places.
Getting paid to take surveys is a good way to earn money in EEUU. Many companies are making products every time and they want to know the public´s opinion before the product is sold. This is your opportunity because in EEUU nothing is stopped. So if you want extra money, just apply.
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