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When you are most vulnerable to fraud


Whenever you answer the phone or use your card, fraudsters could be trying to con you out of money. So when are you most at risk and what can you do about it?

The number of people being scammed out of money at cash points has tripled in the first four months of this year, according to figures from Financial Fraud Action (FFA).

The rise has been attributed to ‘shoulder-surfing’ and ‘skimming’ – for example a fraudster reading your PIN over your shoulder after fitting devices to the ATM to either trap your card or read its details.

In January 1,173 cases were reported to be the number has steadily increased to 2,276 at the end of April.

However it’s not just cash points being targeted. The crime has also been reported at Transport For London ticket machines. And in a similar vein, more people are falling prey to theft by distraction at supermarkets, FFA found.

The increase in so-called ‘crude fraud’ comes after security for online transactions and banking has become been beefed up.

Britons are being urged to protect their details when using a card – either to pay or take cash out of an ATM. If your card is swallowed by a machine for any reason, report it to your card company immediately – ideally using your mobile phone while you are still in front of the machine.

If a cashpoint looks as though it’s been tampered with, don’t use it.

But this is far from the only time you're vulnerable to fraudsters. So we've taken a look at the key times and places fraudsters target people, as well as what you can do to protect yourself.

When the phone rings

‘Courier fraud’ takes place when a victim gets a fake call under the guise of a bank or financial provider to say that the victim’s account has been compromised and they would like to collect the card.

The target is then tricked into handing over their PIN and card.

However, a bank will never ring to tell you that they are coming around to pick up your card, so never hand it over to anyone who comes to ‘collect it’. Financial services providers never ask for PINs – even through typing it into the phone

– so don’t give it out.

Mobile phone fraud has become more of a problem in recent years. Among the tricks, is the ‘missed call’ scam - when people call back a number that they don’t recognise and are directed to a premium rate number. Consumers are therefore urged not phone or text unsolicited numbers.

Also beware any unsolicited calls. Anything from someone trying to sell you shares through to telling you your child has played truant and there is a fine to pay. If it's a real call you will never be penalised for not paying immediately and in most cases fine notices are issued through the post.

When you check your email

Despite the increase in online security, there are still some fraudsters who have found ways to get around it, notably through phishing and cloning.

This is when fraudsters trick consumers into disclosing information by copying reputable websites or sending emails in the name of a trusted brand.

More recently fraudsters have fooled people into paying for passport advice or information through copycat emails and websites.

Consumers should always be suspicious of unsolicited emails that are supposedly from a reputable organisation, such as your bank or the tax office.

Never go to the site by clicking on a link in an email. Check the web address when you do get there too - the login page on your bank’s website address should start with “https”, for example.

Don't forget traditional mail/post

It's hardly new, but it's still something to be aware of. Fraudsters still send out unsolicited letters with "special offers" or telling you "you've been selected" for a special prize.

More worryingly, they also still intercept mail. You need to be especially careful if you live in shared accommodation or have just one front door to multiple addresses.

It only takes one or two bills or card statements for as fraudster to gather enough information about you to impersonate you and take out debt in your name. Make sure these aren't left around unopened and make a list of which bills you're expecting so you are aware if one doesn't arrive.

10900582301?profile=original

Hackers target more than eight million computers
lovemoney.com – Mon, Feb 11, 2013 15:05 GMT

A cyber-scam network, which has infected more than eight million computers around the world in the past two years, has been shut down.


Microsoft and Symantec combined forces and closed down the hackers' network last week


The hackers used an online virus, known as the “Bamital Botnet”, to gain access to personal details stored on PCs.

Cyber-crime network
The botnet was used by criminals to access people’s PCs and hijack online search results. It would then lead the user to an unknown website which could start downloading malware, steal their personal information or charge businesses for false online advertisement clicks.


It also led users to websites they never intended to vist. For example, one user was redirected from an official Norton Internet Security Page, which appeared in a list of search results, to a rogue antivirus website distributing malware.


Although exact numbers aren’t known, Microsoft says more than eight million computers have been targeted with this virus in the past two years and 300,000 were disconnected this week from the network.


On 31st January Microsoft filed a lawsuit which was supported by Symantec to the botnet’s operators to sever communication lines. This didn’t happen, so data centres across the US were raided and the infected servers were disrupted.


Those computers which had been infected were then disconnected from the virus network. Users were directed to get rid of the virus.


This is the sixth time in the last three years that Microsoft has stopped a cybercrime network and the second in cooperation with Symantec.


“It was done in such a sneaky way that most victims wouldn’t have even noticed a problem while the botnet was still operating,” explained Richard Domigues Boscovich, assistant general counsel for Microsoft Digital Crimes Unit.


“Because the data gathered from this takedown will become part of Microsoft’s ongoing research in support of protecting its customers from a range of evolving online security threats, we can actually use the criminals’ infrastructure against them and make it harder and more expensive for them to commit cybercrime,” he added.

How to disinfect your computer
Computers which are currently infected with the virus were contacted with a message from Microsoft.


It appeared when the user attempted to search for something on the internet and told the user their computer was very likely to be infected with malware which was redirecting the results of their search queries.


Two free programmes were then listed, Microsoft Safety Scanner and the Norton Power Eraser, which users were encouraged to run to disinfect their computers. More information on how to clear the virus from your computer can be found on the Microsoft Support website.

How to avoid cyber crime
The best way to avoid being hacked is to keep your computer’s security systems up to date and regularly scan for infections. It’s also vital to use different passwords for all the accounts you use online and to use a password which isn’t likely to be hacked.


If your personal details have been stolen criminals can use them to get access to your accounts or apply for credit in your name. Therefore check your bank statements regularly and your credit record as this is where you’ll be able to spot any irregularities.


If you do see something untoward, such as a payment you haven’t authorised, call your bank immediately and let it know.

10900582301?profile=original

 

How to protect your PINs and passwords
by Cliff D'Arcy on 25 September 2012

As new research reveals some of us are making it far too easy for criminals to guess our passwords and PINs, here are some ways to ensure you protect yourself properly.

New research has found that a staggering one in nine of us use '1234' as the PIN for our bank cards. While it might be easy to remember, it's also one of the first numbers a criminal would try if they got hold of your card.


Other popular, and therefore dangerous, combinations include the James Bond-influenced '0007' and '1984', which might show good taste in literature but could leave your bank account cleaned out.


So how do you set a safe password or PIN? Here are my top tips.


Pathetic passwords

The worst of all passwords – and one of the most common – is 'password'. This is as bad as no password at all. Don't use it, ever.


Other poor passwords include '123456', 'abc123' and 'qwerty' (the first six letters from the top left of the letter keyboard). Using your first and last names (such as 'cliffdarcy') is weak, too.

Also, 'computer' is a pretty silly password.


'Monday' is another bad password – when we discovered our IT master was using it at school, we promptly changed it to 'Tuesday'. 'Letmein' (let me in) and 'iloveyou' (I love you) are also pretty feeble.

Many passwords require a minimum of six letters and, for some reason, 'monkey' is a popular choice.

Other easily found passwords may be your favourite football team or a family member's name. Thanks to public databases and social networking, your supposedly private life may be laid bare for cyber-crooks to sift through.


Another terrible password is the name of the website you're visiting. For example, Barclays customers using 'Barclays' as a password are frankly asking for trouble.


One key opens many locks

Another problem arises if you use a single password to access many different websites. In this scenario, once I have one password, I have access to all your accounts. In effect, you're giving me a master key to open all your locks and make a 'clean sweep'.

Nevertheless, almost half of us use the same or similar passwords to access multiple sites. Naughty, naughty!


Passwords should be unique to each website you visit and every account you use. If you can't remember them, then write them down in a coded message and securely hide this piece of paper. Alternatively, use a Password Safe such as that developed by American cryptography expert Bruce Schneier.

How to create stronger passwords

Of course, strong passwords are more complicated than weak ones, but that's the whole point. They are harder to guess or find with a 'dictionary attack' (searching around 200,000 commonly used words in English).


To create strong passwords, you should:


1. Use at least eight characters and, ideally, more.
2. Use a mix of upper-case and lower-case letters, numbers and keyboard characters accessed via the shift key and non-letter keys.
3. Don't use your name, family names, slang words, swear words, words found in dictionaries and first names. These are easy meat for the professional cracker.


For more advice, read this report from online-security firm Imperva (PDF document) on the infamous hack of 32 million passwords from the RockYou.com website in December 2009.


Protecting your PIN

It's not just passwords where we need to be careful. To use a credit, debit or store card, you'll need the four-digit PIN (Personal Identification Number) linked to that plastic card. There are 10,000 combinations of PINs, from 0000 to 9999.


Of course, if you enter the wrong PIN three times, then your card will be locked. This prevents a 'brute force' attack to find PINs, which involves checking all possible combinations.


Even so, PINs aren't as secure as you'd imagine. This is because millions of cardholders change their default PINs to numbers which they find easier to remember. Often, this weakens the security of their cards.


Let me give three examples of weak PINs:

1. In the late Nineties, my boss challenged me to guess his PIN. Knowing him to be a proud Scot, I suggested 1314 – the year of the Battle of Bannockburn. Right, first time.
2. In one of his books, controversial Scottish author Irvine Welsh describes a banking scam to rip off supporters of Glasgow Rangers FC. His crooks steal lots of credit cards and try 1690 as the PIN – the year of the Battle of the Boyne. They successfully steal a fortune.
3. Your year of birth. Possibly the worst PIN to choose, full stop. When I was at university, I found scores of students naively using their year of birth (or birthday as Day-Day-Month-Month) as PINs. If you do this, change your PINs today.


To create a safer PIN, choose a random four-digit number, or simply stick with the default PIN given to you by your bank. Otherwise, you may inadvertently be putting your credit card and current account at risk of fraud.


Loose lips lose money

About five years ago, my father gave me an old laptop. When I went to use it, I found it to be password-protected.

Thinking hard about my dad's life, I tried two passwords before getting it right third time. It was the name of the British Army cavalry regiment he joined way back in the late Sixties.


In short, the more you know about someone, the easier it is to guess their passwords.


That's one of many reasons why I don't belong to social-networking sites such as Facebook, and why my Twitter posts link only to my articles. The more information you post on Facebook, Twitter and the like, the more personal data you give to crooks, criminals and fraudsters.


(Modern-day 'digital villains' also use Facebook and Google Street View to find out when people are on holiday, before burgling their empty homes.)


This is a lovemoney classic article that has been updated

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Mars One finds more than 1,000 volunteers for one-way trip to planet in 2023

The Mars One organisation has revealed details of its plans to land four astronauts on the Red Planet in 2023, with four additional 'crew' arriving every two years.

The Mars One organisation has revealed details of its plans to land four astronauts on the Red Planet in 2023, with four additional 'crew' arriving every two years.

The organisation said that it had had more than 1,000 volunteers for the mission, who emailed in via the foundation's website.

Selection of the astronauts will begin next year, the Dutch organisation says.

The trip to the planned 'colony' would be one-way - and the astronaut volunteers will live and die on Mars.

Mars One aims to finance a mission to Mars via donations from corporations, people - and by creating a reality show-style 'media event' around the training and selection of its astronauts.

The Dutch company is backed by Nobel prize winning physicist, Gerard 't Hooft - and by Paul Romer, co-creator of Big Brother.

Mars One also announced that it had become a not-for-profit foundation.

"With more than 850,000 unique visitors to the website, Mars One has received thousands of emails," the Dutch company said in an email today.

"Among those emails were more than one thousand requests from individuals who desire to go to Mars--well before the launch of the Astronaut Selection Program. Furthermore, Mars One is supported by a large groups of advisers and ambassadors, among them an astronaut, a Nobel prize winning physicist and several NASA scientists."

Bas Lansdorp, co-founder and President of Mars-One offers, “A foundation more accurately represents how the Mars One team feels about this mission, and how the world has embraced our plan, even in this early stage.

"We receive so many kind and supportive emails, people offer donations or offer to helpin whatever way they can. The conversion to a foundation represents that going to Mars is something we do as a united world.”

In the first half of 2013 Mars One will launch the Astronaut Selection Program, a search to find the best candidates for the 'next giant leap of mankind'. The search will be global, open to every person from every nation. As a Foundation, Mars One will be the owner of the human outpost on Mars, the simulation bases on Earth, and the employer of the astronauts, both in training here on Earth, and those on Mars.

Arno Wielders, co-founder and technical director of Mars One: “Sending humans to Mars has been my dream for twenty years. Evidently, I am not alone--we have received emails from over fifty countries."

"People in thirty seven countries have purchased our merchandise, demonstrating their support for Mars One. Regardless of their background, people are positive about this optimistic event that we believe will bring people of Earth a little bit closer together.”

Read more…

Soul Conscious Living
The Void: Is your Hunger greater than you Fears?
by kristinajansz

To be precise, is your Hunger for what you want: goals, dreams, quality of life etc., greater than the fears that hold you back from creating them?

 

To bring anything of value into being, especially that of creating a soul-centered life, you have to be willing to go through the Void.

 

The Void is the space that exists between where you are now and where you want to be. It triggers your greatest fears, is the root cause of most self- sabotaging behaviour and the reason why many people do not reach their full potential.

Take a look around you right now; computer, cell phone, light bulbs, all of them at one time or another, did not exist. The fact that they are here now is testimony to certain people having had the courage to hold onto their vision of what could be possible and go through the Void in order to bring them into being.

 

As you listen to the call of your Soul telling you there is so much more life for you to be living, and you take those courageous steps out of the old familiar paradigm you’ve most likely lived in for decades, you enter the Void.

Now, you are no longer on familiar territory, but you are also not yet firmly and safely rooted in the new paradigm. This can bring up a lot of different feelings.

 

At first, there is a sense of excitement, hope and enthusiasm about this newfound freedom but eventually the unfamiliarity will create periods of disorientation, doubt and perhaps even thoughts of turning back. At times you may feel very alone and find that you no longer relate to those around you and this may make you feel vulnerable, insecure and panicky. There may also be moments when you are just so exhausted from trying that the journey to soul-centeredness, or any other goal, seems too far away.

 

While these are not the kind of things you would want to voluntarily subject yourself to, they are in fact, the defining characteristics of Evolution. They are going to happen, that’s a given. The real question is whether your desire/ hunger for soul-centeredness is greater than all of this.

 

Are you willing to get uncomfortable? Are you willing to make big mistakes and keep on going? Are you willing to feel completely ungrounded, uncertain and alone, and still want to reach your goal more than anything? “Yes!!” you say? That voice, that clear, brilliant voice that shouted out from deep inside you is the triumphant sound of the courageous human spirit to not give up, to cut through fear, resistance, roadblocks, anything in order to reach for something greater beyond the safety net and in doing so, Evolve.

 

So, there will be fear and discomfort, we all experience it, but your hunger for soul-centeredness has to be greater than that fear. The reason why you must kick yourself free from the emotional undertow of fear, is because this is the only way you can grow to your full potential and breathtaking beauty of soul-centeredness.

 

Are you willing to get uncomfortable? Are you willing to make big mistakes and keep on going?

Are you willing to feel completely ungrounded, uncertain and alone, and still want to reach your goal more than anything? “Yes!!” you say? That voice, that clear, brilliant voice that shouted out from the depths of your being is the triumphant sound of a courageous human spirit not willing to give up, ready to walk through fear, resistance, roadblocks, anything in order to reach for something greater beyond the safety net and in doing so, Evolve.

So, there will be fear and discomfort, we all experience it, but your hunger for soul-centeredness has to be greater than that fear. The reason why you must kick yourself free from the emotional undertow of fear, is because this is the only way you can grow into your full potential and the breathtaking beauty of your Truth.

 

kristinajansz | March 23, 2012

http://soulconsciousliving.wordpress.com/2012/03/23/the-void-is-your-hunger-greater-than-you-fears/

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Ancient walled city, older than Egypt's pyramids, unearthed off
Georgia USA coast

Gary Daniels' photo
Gary Daniels Atlanta Road Trip Travel Examiner

(Atlanta) Six hours southeast of Atlanta off the Georgia coast on Sapelo Island, archaeologists have unearthed the remains of an ancient walled city which predates the construction of many of Egypt's pyramids.

 

Known as the Sapelo Shell Ring Complex, this ancient city was constructed around 2300 B.C. and featured three neighborhoods each surrounded by circular walls twenty feet in height constructed from tons of seashells. Some of the earliest pottery in North America was also found buried in the remains of this lost city.

 

The site is quite an enigma because at the time of its construction the Native Americans living in the area were simple hunters and gatherers who had yet to invent agriculture. Many scholars believe agriculture is a prerequisite for civilization. Did these simple tribal people somehow make the leap from hunting-and-gathering to civilization in a single bound producing not only a walled city but
also the new technology of pottery without the benefit of agriculture?
Or did an already civilized people arrive on the coast of Georgia from elsewhere and, if so, where did they come from and why?

 

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Just thirty years before the construction of the Sapelo Shell Rings researchers have noted that Bronze Age civilizations around the world show a pattern of collapse. According to the website LostWorlds.org:

 

In the Middle East, Akkadian Sumer collapsed at this time and the Dead Sea water levels reached their lowest point. In China, the Hongsan culture collapsed.

Sediments from Greenland and Iceland show a cold peak around 2200 BC. The population of Finland decreased by a third between 2400 and 2000 BC. In Turkey’s Anatolia region, including the site of ancient Troy, over 350 sites show evidence of being burnt and deserted. Entire regions reverted to a nomadic way of life after thousands of years of settled agricultural life. In fact, most sites throughout the Old World which collapsed around 2200 BC showed unambiguous signs of natural calamities and/or rapid abandonment.

 

What happened around 2200 B.C. that could have caused such widespread devastation?

 

Meteor Storms & Cosmic Catastrophe?

Evidence is mounting that this devastation came from the sky.
Astronomers have theorized that at this time Earth passed through a dense concentration of cosmic debris. Just picture the asteroid scene in Star Wars and you'll get the idea. Yet researchers don't think much of this debris actually impacted the ground. Instead they believe these meteors exploded in air bursts high above the ground, creating an ancient version of an atomic bomb blast.

 

These air bursts would have first incinerated everything within tens if not hundreds of miles. Next they would have created hurricane force winds which would have obliterated any above-ground structures as well as forests.

 

Astronomers believe this catastrophe was similar to the Tunguska Event which flattened 80 million trees over a 2,000 square mile area of Russian Siberia in 1908.

 

Russian scientists believe this event was caused by the explosion of a large meteor tens of meters across at an altitude of 3-6 miles. A similar event is thought to have caused the climate downturn in 3200 BC which flash froze the so-called Ice Man in the Swiss Alps.

 

Who Built the Sapelo Shell Rings?

At the time of European contact, two Native American tribes were known for constructing round, walled villages: the Timucua and Yuchi.
Archaeologists believe some time in the past the Timucua migrated to Georgia and Florida from South America since their language was similar to that spoken by Indians in Venezuela. Did they flee their homeland after it was devastated by a meteor swarm that destroyed huge swaths of jungle?

 

The Rio Cuarto impact craters in Argentina are thought by some geologists to date to this time period which supports the idea that South America was affected by the same event that struck the Old World.

 

The Yuchi also have a legend that they arrived in Georgia after "the old moon broke" and devastated their island homeland. Could they have thought these meteors were pieces of the moon falling to Earth? Could impact tsunamis have devastated their island home in the Bahamas forcing them to flee to the mainland? Only further research will answer the questions.

 

Learn More

Learn more about the lastest research regarding the Sapelo Shell Ring Complex. Or visit the Sapelo Island Visitor's Center at 1766 Landing Road, S.E., Darien, GA 31305. You can also find me on Facebook, subscribe to my newsletter, watch my DVD "Lost Worlds: Georgia" or visit my website LostWorlds.org. You can also purchase posters, mugs, t-shirts, mousepads and other gifts featuring the Sapelo Shell Rings artwork at my Sapelo Gift Shop.

 

[Note: There is currently no consensus on the dating of Egypt's pyramids. Estimates range from 10,500 BC to 1800 BC and everything in between.

Additionally, the pyramids were not all built at one time and though some of the oldest likely date to 2500 BC others date to around 1800 BC thus the Sapelo Shell Rings are, indeed, older than many of Egypt's pyramids.]

Continue reading on Examiner.com Ancient walled city, older than Egypt's pyramids, unearthed off Georgia coast - Atlanta Road Trip Travel | Examiner.com

http://www.examiner.com/road-trip-travel-in-atlanta/ancient-walled-city-older-than-egypt-s-pyramids-unearthed-off-georgia-coast#ixzz1meoljDyW

 

Lost Worlds: Georgia | Part 2: Sapelo Shell Rings (Excerpt)
http://youtu.be/Ot7zs0n9dIU

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