Global Warming and other Ecology Issues; The Energy Crunch Essay

A dangerous atmospheric devation and other Ecology Issues; The Energy Crunch - Essay Example These gases permit daylight to infiltrate the environment at that point trap a portion of the sunlight based vitality which warms the earth (Breuer, 1980). It is a sensitive equalization and on the grounds that these ozone depleting substances have been falsely increased by man-made sources, more develop in the climate has happened in this way catching a greater amount of the sun’s vitality and reflecting less back in to space. This event is making the earth warm. Carbon Dioxide (CO2) is the most predominant of the ozone depleting substances. In spite of the fact that deforestation is contributing vigorously to the abundance of CO2 in the climate, a bigger part is brought about by the consuming of petroleum derivatives, for example, oil and coal. Petroleum products are singed by manufacturing plants, vehicles and power creating power plants to give some examples sources. Other ozone depleting substances incorporate methane, which is discharged when vegetation is copied during land clearing, during oil investigation exercises and the coal-mining process; chlorofluorocarbons (CFCs), which is the substance that cools fridges and gives the impetus in vaporized jars and nitrous oxide (N2O) which is the lesser reason for CO2 (Breuer, 1980). It is produced from both man-made and characteristic procedures. Despite the fact that admonitions about the human created reasons for an improved nursery impact and the ensuing cataclysmic results have been sounded for more than 100 years, a dangerous atmospheric devation has as of late become a significant political issue. One would need to consider what gigantic issues this will cause not exclusively to individuals and property yet to the strength of the worldwide economy overall. Whole segments of different nations will be compelled to relinquish their homes and organizations. The procedure will be a moderate and unbearable one. Agribusiness movement, land masses and the very air we inhale will experience the ill effects of the impacts of an Earth-wide temperature boost. The inquiry before us is, are we stewards of our earth and will we safeguard it for future

3.Show how the 1989 White Paper Working for Patients changed the NHS Essay

3.Show how the 1989 White Paper Working for Patients changed the NHS. Assess the explanations behind these NHS changes - Essay Example The white paper had an assortment of proposed targets, just as of proposition, which the legislature considered as fundamental change apparatuses. By the by, the white paper’s substance have had extraordinary effects in the NHS, both positive and negative. An immense number of changes have been acknowledged throughout the years because of the progressions forced by the origin of the white paper. The body’s activities have taken another course throughout the years, a figure set apart by progress the change usage forms (New Scientist magazine 24). The white paper by the legislature whose logo was â€Å"working for patients† involved a lot of targets and recommendations, which were considered by the wellbeing division as a program that was horrible for NHS transformation. The principle accentuation was the requirement for inquire about just as a superior arrangement of research result interpretation to meet the proposed objectives. The administration anticipated see an interpretation of clinical research results into powerful human services rehearses. Close by other proposed NHS changes by the 1989 government’s white paper, there were two fundamental destinations. To begin with, the administration looked to improve its ability in the control of the NHS cost and yield in the entirety of its activities. The primary aim of this was to plan the human services suppliers into solid creatures to the legislature just as the patients. This goal was raised out of the acknowledgment that organization and control had presente d numerous issues since the origin of the organ. Furthermore, the administration had understood that there existed a great deal of self-rule in the facilities by the vehicle suppliers; where no other individual would have been permitted to have command over the activities of the NHS (Klein 64). Then again, The NHS expected to work on a ground that would offer proficiency; consequently, the administration proposed to initiate the sort of progress. The key zones that required

Expert Roundup 13 Signs Youre Being Scammed

Expert Roundup 13 Signs Youre Being Scammed Expert Roundup: 13 Signs Youre Being Scammed Expert Roundup: 13 Signs Youre Being ScammedIf you get a weird email from a friend or family member asking for moneyâ€"or worse, asking for your personal financial infoâ€"then its almost certainly a scam.Oftentimes, we write posts on this blog to help people protect their money by steering clear of predatory payday loans and cash advances. But those short-term, high-cost no credit check loans aren’t the only thing that can suck your bank account dry.Scams and fraudsters, for instance, have been around since the dawn of human civilization, and they are remarkably good at keeping up with all the latest trends and innovations. Once they get their hands on your money, you’re pretty much cooked.Still, there are certain warning signs that almost all potential cons have in common. If you learn to identify them, it’ll put you one step ahead. That’s why we reached out to a number of experts in fraud and financial planning who shared these 12 handy signs that you’re about to get scam med.1. Irreversible transactions.Justin Lavelle, Chief Communications Officer for  BeenVerified.com (@BeenVerified):“Asking for irreversible transactions such as a money wire, prepaid gift cards, or cash. A reputable person/company will bill you professionally and through normal means.”2. Typos.Brian Gill, Chairman and former CEO of  Gillware Data Recovery  (@gwdatarecovery):“When an email from a company has spelling errors or bad grammar, it should be another warning sign. Large companies have copywriters and editors who make sure email communications are grammatically correct.”Justin Lavelle:“A letter or email with a well-known logo on it may not be what it seems. Check it carefully for typos, and compare it to anything you have received legitimately from the company in the past. If it looks right, double check with a call to the real company just to be completely sure.”3. Unsecured websites.Monica Eaton-Cardon,  owner, co-founder, and COO of Chargebacks911 (@chargebac ks911):NEVER make purchases at a website with an ‘http’ URL. Only make purchases on websites that are ‘https’. The ‘s’ indicates a higher level of security.  Nowadays, all reputable eCommerce sites are https, including the major airlines, banks, stores, hotels and retail chains.“If you receive an email solicitation to use at a website that’s ‘http,’ be extra careful.  It could be a scam, and your data could be at a heightened risk of vulnerability.4. Requests for personal or financial info.Justin Lavelle:“Never, ever, ever give out personal or sensitive information over email or the phone unless you are one hundred percent certain about the company. Your own bank is different from an unknown company trying to get your info to do anything they want with.Adnan Raja, Vice President of Marketing for Atlantic.Net (@atlanticnet):“Be wary of any phishing emails who may try to exploit you to gain access to your accounts. Avoid giving out your medical information ov er email or on the phone, unless you have already signed an authorization to do so.“If available, always sign up for multi-factor authentication for online portals, which sends a pin code to your phone as a secondary security measure anytime you are trying to login to your account.”5. Upfront payments.Justin Lavelle:“Unsolicited offers that require payment up front. Usually, these can seem legit, but a quick internet search will tell you everything you need to know. Be even more cautious if you cannot find them online.”6. Aggressive sales tactics.Kyle Kroeger, Founder of Millionaire Mob (@millionairemob2)“Its no surprise that a scammer is going to try to sell you hard and fast on their hypothetical product/service. If you receive aggressive sales tactics upfront and after you buy, be aware this might be a scam. Aggressive sales tactics include spammy behavior and spammy email addresses.”7. Surprises in your inbox.Brian Gill:“When checking your email, stay suspicious an d on alert. Often times a fraudulent email will try to scare you by saying something was stolen or that you’ve won a prize. Rather than clicking on links from your email, just go directly to the actual website and sign in how you normally would.”8. Making you the money middleman.Justin Lavelle:“If you are being told to deposit money, and then to withdraw it and send it somewhere else, that is a huge red flag. Chances are, you are involved in illegal activity. There is no reason to be handling payments meant for another party.”9. Weird money requests from friends, family, or colleagues.Aletta Tibbets (@aletta), Founder Principal of  Eos Financial Planning LLC:“It’s increasingly popular to spoof email from a boss or colleague saying they need you to wire money or provide information right away. The best policy is to never rely on emails for this sort of directive. If they give some reason why they can only communicate via email, that’s a huge red flag.“If the situatio n is one that involves someone you personally know, find a way to make voice contact with them before proceeding, or ask a question or two that only they would know.”Brian Gill:“If you receive an email where the “To” field is left blank, it’s a clear signal that it didn’t come from the perceived sender. Also, if the email begins with “Hello” but doesn’t actually state your name, that’s another red flag.”10. Threats.Justin Lavelle:“If someone is threatening you into giving them money, it is most definitely not on the up and up. Professional business and collectors do not threaten you.”11. Fake online stores.Monica Eaton-Cardon:“During the months of March and April, you might receive highly-tempting emails from travel sites that promise amazing savings. Some of these emails could even appear to come from reputable, trustworthy companies.  But beware: Fraudsters will design email offers and create fake websites that look very similar to legitimate stores. T hey do this to ‘phish’ for your financial information, so they can steal from your bank account.“Consumers should proceed with caution and use common sense: Is the URL misspelled?  Is it http and not https? When you Google the site and/or the offer, are people warning you of fraud?  Are the images low-resolution? Does the verbiage include spelling errors and grammatical mistakes? Is the offer too good to be true?  And is it a website that you’ve never visited before?These are the telltale signs of a fake online store.  Delete the email, and do not submit your financial information.  It isn’t worth the risk.”12. Claiming to be from the government.Justin Lavelle:“Anyone working for the government is required to provide identification AND verification of that identity. If someone refuses to do this or does not check out, it is a scam.”13. If it seems too good to be true … it probably is.Aletta Tibbets:These are your Nigerian email scams, Craigslist buyers that of fer to pay you extra, online job offers. When these arise people should default to the assumption that it’s a scam and do a lot of research before giving out any personal information. Your state regulatory agencies are one good place to check with if you’re not sure about something.Kyle Kroeger:“If you see something that sounds like its hard to believe its real, this is one of the most common signs of a scam.Its your money. Protect it.Keeping your money safe from high-interest bad credit loans (like payday and title loans) is hard enough. Dont let scammers sneak in and steal everything youve worked so hard to protect. To learn more about keeping your money safe from scams and fraudsters, check out these other posts and articles from OppLoans:5 Steps You Can Take to Prevent Identity TheftHow to Handle Debt Collection ScamsBuying a Car Online? Here’s How to Avoid Getting ScammedShould You Freeze Your Credit?Do you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsMonica Eaton-Cardone is the owner, co-founder,  and COO of  Chargebacks911 (@chargebacks911), the first global company dedicated to preventing chargeback fraud, eliminating cyber-shoplifting and safeguarding the “eCommerce experience” for retailers, banks, buyers and sellers.   Chargebacks911 manages billions of online transactions annually and has helped its clients recover over $1 billion in disputed revenue. Monica is also the author of Chargebacks for Dummies (published in 2018), part of the best-selling instructional/reference book series.Brian Gill co-founded  Gillware Data Recovery  (@gwdatarecovery) and  Gillware Digital Forensics (@gwforensics), one of the worlds most successful data recovery companies and digital forensics labs. He currently serves as Chairman.Kyle Kroeger is the founder of  Millionaire Mob (@millionairemob2), a blog focused on side hustles, travel hacking and investing. Wev e helped thousands better their finances to achieve modern financial freedom.Justin Lavelle  is a Scams Prevention Expert and the Chief Communications Officer of  BeenVerified.com (@BeenVerified). BeenVerified is a leading source of online background checks and contact information. It helps people discover, understand and use public data in their everyday lives and can provide peace of mind by offering a fast, easy and affordable way to do background checks on potential dates. BeenVerified allows individuals to find more information about people, phone numbers, email addresses,  and property records.Adnan Raja is the Vice President of Marketing for  Atlantic.Net (@atlanticnet), a web hosting solution that provides HIPAA-Compliant, Managed, Dedicated, and Cloud hosting.Aletta Tibbetts (@aletta) runs  Eos Financial Planning LLC, a fee-only financial planning firm that works with technology and engineering professionals and startup founders to set personal and financial goals and const ruct a path to meet them. With an emphasis on client education and engagement, Aletta strives to help her clients and the public be more financially savvy. She writes about finance-related issues on the Eos blog.

Expert Roundup 13 Signs Youre Being Scammed

Expert Roundup 13 Signs Youre Being Scammed Expert Roundup: 13 Signs Youre Being Scammed Expert Roundup: 13 Signs Youre Being ScammedIf you get a weird email from a friend or family member asking for moneyâ€"or worse, asking for your personal financial infoâ€"then its almost certainly a scam.Oftentimes, we write posts on this blog to help people protect their money by steering clear of predatory payday loans and cash advances. But those short-term, high-cost no credit check loans aren’t the only thing that can suck your bank account dry.Scams and fraudsters, for instance, have been around since the dawn of human civilization, and they are remarkably good at keeping up with all the latest trends and innovations. Once they get their hands on your money, you’re pretty much cooked.Still, there are certain warning signs that almost all potential cons have in common. If you learn to identify them, it’ll put you one step ahead. That’s why we reached out to a number of experts in fraud and financial planning who shared these 12 handy signs that you’re about to get scam med.1. Irreversible transactions.Justin Lavelle, Chief Communications Officer for  BeenVerified.com (@BeenVerified):“Asking for irreversible transactions such as a money wire, prepaid gift cards, or cash. A reputable person/company will bill you professionally and through normal means.”2. Typos.Brian Gill, Chairman and former CEO of  Gillware Data Recovery  (@gwdatarecovery):“When an email from a company has spelling errors or bad grammar, it should be another warning sign. Large companies have copywriters and editors who make sure email communications are grammatically correct.”Justin Lavelle:“A letter or email with a well-known logo on it may not be what it seems. Check it carefully for typos, and compare it to anything you have received legitimately from the company in the past. If it looks right, double check with a call to the real company just to be completely sure.”3. Unsecured websites.Monica Eaton-Cardon,  owner, co-founder, and COO of Chargebacks911 (@chargebac ks911):NEVER make purchases at a website with an ‘http’ URL. Only make purchases on websites that are ‘https’. The ‘s’ indicates a higher level of security.  Nowadays, all reputable eCommerce sites are https, including the major airlines, banks, stores, hotels and retail chains.“If you receive an email solicitation to use at a website that’s ‘http,’ be extra careful.  It could be a scam, and your data could be at a heightened risk of vulnerability.4. Requests for personal or financial info.Justin Lavelle:“Never, ever, ever give out personal or sensitive information over email or the phone unless you are one hundred percent certain about the company. Your own bank is different from an unknown company trying to get your info to do anything they want with.Adnan Raja, Vice President of Marketing for Atlantic.Net (@atlanticnet):“Be wary of any phishing emails who may try to exploit you to gain access to your accounts. Avoid giving out your medical information ov er email or on the phone, unless you have already signed an authorization to do so.“If available, always sign up for multi-factor authentication for online portals, which sends a pin code to your phone as a secondary security measure anytime you are trying to login to your account.”5. Upfront payments.Justin Lavelle:“Unsolicited offers that require payment up front. Usually, these can seem legit, but a quick internet search will tell you everything you need to know. Be even more cautious if you cannot find them online.”6. Aggressive sales tactics.Kyle Kroeger, Founder of Millionaire Mob (@millionairemob2)“Its no surprise that a scammer is going to try to sell you hard and fast on their hypothetical product/service. If you receive aggressive sales tactics upfront and after you buy, be aware this might be a scam. Aggressive sales tactics include spammy behavior and spammy email addresses.”7. Surprises in your inbox.Brian Gill:“When checking your email, stay suspicious an d on alert. Often times a fraudulent email will try to scare you by saying something was stolen or that you’ve won a prize. Rather than clicking on links from your email, just go directly to the actual website and sign in how you normally would.”8. Making you the money middleman.Justin Lavelle:“If you are being told to deposit money, and then to withdraw it and send it somewhere else, that is a huge red flag. Chances are, you are involved in illegal activity. There is no reason to be handling payments meant for another party.”9. Weird money requests from friends, family, or colleagues.Aletta Tibbets (@aletta), Founder Principal of  Eos Financial Planning LLC:“It’s increasingly popular to spoof email from a boss or colleague saying they need you to wire money or provide information right away. The best policy is to never rely on emails for this sort of directive. If they give some reason why they can only communicate via email, that’s a huge red flag.“If the situatio n is one that involves someone you personally know, find a way to make voice contact with them before proceeding, or ask a question or two that only they would know.”Brian Gill:“If you receive an email where the “To” field is left blank, it’s a clear signal that it didn’t come from the perceived sender. Also, if the email begins with “Hello” but doesn’t actually state your name, that’s another red flag.”10. Threats.Justin Lavelle:“If someone is threatening you into giving them money, it is most definitely not on the up and up. Professional business and collectors do not threaten you.”11. Fake online stores.Monica Eaton-Cardon:“During the months of March and April, you might receive highly-tempting emails from travel sites that promise amazing savings. Some of these emails could even appear to come from reputable, trustworthy companies.  But beware: Fraudsters will design email offers and create fake websites that look very similar to legitimate stores. T hey do this to ‘phish’ for your financial information, so they can steal from your bank account.“Consumers should proceed with caution and use common sense: Is the URL misspelled?  Is it http and not https? When you Google the site and/or the offer, are people warning you of fraud?  Are the images low-resolution? Does the verbiage include spelling errors and grammatical mistakes? Is the offer too good to be true?  And is it a website that you’ve never visited before?These are the telltale signs of a fake online store.  Delete the email, and do not submit your financial information.  It isn’t worth the risk.”12. Claiming to be from the government.Justin Lavelle:“Anyone working for the government is required to provide identification AND verification of that identity. If someone refuses to do this or does not check out, it is a scam.”13. If it seems too good to be true … it probably is.Aletta Tibbets:These are your Nigerian email scams, Craigslist buyers that of fer to pay you extra, online job offers. When these arise people should default to the assumption that it’s a scam and do a lot of research before giving out any personal information. Your state regulatory agencies are one good place to check with if you’re not sure about something.Kyle Kroeger:“If you see something that sounds like its hard to believe its real, this is one of the most common signs of a scam.Its your money. Protect it.Keeping your money safe from high-interest bad credit loans (like payday and title loans) is hard enough. Dont let scammers sneak in and steal everything youve worked so hard to protect. To learn more about keeping your money safe from scams and fraudsters, check out these other posts and articles from OppLoans:5 Steps You Can Take to Prevent Identity TheftHow to Handle Debt Collection ScamsBuying a Car Online? Here’s How to Avoid Getting ScammedShould You Freeze Your Credit?Do you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsMonica Eaton-Cardone is the owner, co-founder,  and COO of  Chargebacks911 (@chargebacks911), the first global company dedicated to preventing chargeback fraud, eliminating cyber-shoplifting and safeguarding the “eCommerce experience” for retailers, banks, buyers and sellers.   Chargebacks911 manages billions of online transactions annually and has helped its clients recover over $1 billion in disputed revenue. Monica is also the author of Chargebacks for Dummies (published in 2018), part of the best-selling instructional/reference book series.Brian Gill co-founded  Gillware Data Recovery  (@gwdatarecovery) and  Gillware Digital Forensics (@gwforensics), one of the worlds most successful data recovery companies and digital forensics labs. He currently serves as Chairman.Kyle Kroeger is the founder of  Millionaire Mob (@millionairemob2), a blog focused on side hustles, travel hacking and investing. Wev e helped thousands better their finances to achieve modern financial freedom.Justin Lavelle  is a Scams Prevention Expert and the Chief Communications Officer of  BeenVerified.com (@BeenVerified). BeenVerified is a leading source of online background checks and contact information. It helps people discover, understand and use public data in their everyday lives and can provide peace of mind by offering a fast, easy and affordable way to do background checks on potential dates. BeenVerified allows individuals to find more information about people, phone numbers, email addresses,  and property records.Adnan Raja is the Vice President of Marketing for  Atlantic.Net (@atlanticnet), a web hosting solution that provides HIPAA-Compliant, Managed, Dedicated, and Cloud hosting.Aletta Tibbetts (@aletta) runs  Eos Financial Planning LLC, a fee-only financial planning firm that works with technology and engineering professionals and startup founders to set personal and financial goals and const ruct a path to meet them. With an emphasis on client education and engagement, Aletta strives to help her clients and the public be more financially savvy. She writes about finance-related issues on the Eos blog.

Expert Roundup 13 Signs Youre Being Scammed

Expert Roundup 13 Signs Youre Being Scammed Expert Roundup: 13 Signs Youre Being Scammed Expert Roundup: 13 Signs Youre Being ScammedIf you get a weird email from a friend or family member asking for moneyâ€"or worse, asking for your personal financial infoâ€"then its almost certainly a scam.Oftentimes, we write posts on this blog to help people protect their money by steering clear of predatory payday loans and cash advances. But those short-term, high-cost no credit check loans aren’t the only thing that can suck your bank account dry.Scams and fraudsters, for instance, have been around since the dawn of human civilization, and they are remarkably good at keeping up with all the latest trends and innovations. Once they get their hands on your money, you’re pretty much cooked.Still, there are certain warning signs that almost all potential cons have in common. If you learn to identify them, it’ll put you one step ahead. That’s why we reached out to a number of experts in fraud and financial planning who shared these 12 handy signs that you’re about to get scam med.1. Irreversible transactions.Justin Lavelle, Chief Communications Officer for  BeenVerified.com (@BeenVerified):“Asking for irreversible transactions such as a money wire, prepaid gift cards, or cash. A reputable person/company will bill you professionally and through normal means.”2. Typos.Brian Gill, Chairman and former CEO of  Gillware Data Recovery  (@gwdatarecovery):“When an email from a company has spelling errors or bad grammar, it should be another warning sign. Large companies have copywriters and editors who make sure email communications are grammatically correct.”Justin Lavelle:“A letter or email with a well-known logo on it may not be what it seems. Check it carefully for typos, and compare it to anything you have received legitimately from the company in the past. If it looks right, double check with a call to the real company just to be completely sure.”3. Unsecured websites.Monica Eaton-Cardon,  owner, co-founder, and COO of Chargebacks911 (@chargebac ks911):NEVER make purchases at a website with an ‘http’ URL. Only make purchases on websites that are ‘https’. The ‘s’ indicates a higher level of security.  Nowadays, all reputable eCommerce sites are https, including the major airlines, banks, stores, hotels and retail chains.“If you receive an email solicitation to use at a website that’s ‘http,’ be extra careful.  It could be a scam, and your data could be at a heightened risk of vulnerability.4. Requests for personal or financial info.Justin Lavelle:“Never, ever, ever give out personal or sensitive information over email or the phone unless you are one hundred percent certain about the company. Your own bank is different from an unknown company trying to get your info to do anything they want with.Adnan Raja, Vice President of Marketing for Atlantic.Net (@atlanticnet):“Be wary of any phishing emails who may try to exploit you to gain access to your accounts. Avoid giving out your medical information ov er email or on the phone, unless you have already signed an authorization to do so.“If available, always sign up for multi-factor authentication for online portals, which sends a pin code to your phone as a secondary security measure anytime you are trying to login to your account.”5. Upfront payments.Justin Lavelle:“Unsolicited offers that require payment up front. Usually, these can seem legit, but a quick internet search will tell you everything you need to know. Be even more cautious if you cannot find them online.”6. Aggressive sales tactics.Kyle Kroeger, Founder of Millionaire Mob (@millionairemob2)“Its no surprise that a scammer is going to try to sell you hard and fast on their hypothetical product/service. If you receive aggressive sales tactics upfront and after you buy, be aware this might be a scam. Aggressive sales tactics include spammy behavior and spammy email addresses.”7. Surprises in your inbox.Brian Gill:“When checking your email, stay suspicious an d on alert. Often times a fraudulent email will try to scare you by saying something was stolen or that you’ve won a prize. Rather than clicking on links from your email, just go directly to the actual website and sign in how you normally would.”8. Making you the money middleman.Justin Lavelle:“If you are being told to deposit money, and then to withdraw it and send it somewhere else, that is a huge red flag. Chances are, you are involved in illegal activity. There is no reason to be handling payments meant for another party.”9. Weird money requests from friends, family, or colleagues.Aletta Tibbets (@aletta), Founder Principal of  Eos Financial Planning LLC:“It’s increasingly popular to spoof email from a boss or colleague saying they need you to wire money or provide information right away. The best policy is to never rely on emails for this sort of directive. If they give some reason why they can only communicate via email, that’s a huge red flag.“If the situatio n is one that involves someone you personally know, find a way to make voice contact with them before proceeding, or ask a question or two that only they would know.”Brian Gill:“If you receive an email where the “To” field is left blank, it’s a clear signal that it didn’t come from the perceived sender. Also, if the email begins with “Hello” but doesn’t actually state your name, that’s another red flag.”10. Threats.Justin Lavelle:“If someone is threatening you into giving them money, it is most definitely not on the up and up. Professional business and collectors do not threaten you.”11. Fake online stores.Monica Eaton-Cardon:“During the months of March and April, you might receive highly-tempting emails from travel sites that promise amazing savings. Some of these emails could even appear to come from reputable, trustworthy companies.  But beware: Fraudsters will design email offers and create fake websites that look very similar to legitimate stores. T hey do this to ‘phish’ for your financial information, so they can steal from your bank account.“Consumers should proceed with caution and use common sense: Is the URL misspelled?  Is it http and not https? When you Google the site and/or the offer, are people warning you of fraud?  Are the images low-resolution? Does the verbiage include spelling errors and grammatical mistakes? Is the offer too good to be true?  And is it a website that you’ve never visited before?These are the telltale signs of a fake online store.  Delete the email, and do not submit your financial information.  It isn’t worth the risk.”12. Claiming to be from the government.Justin Lavelle:“Anyone working for the government is required to provide identification AND verification of that identity. If someone refuses to do this or does not check out, it is a scam.”13. If it seems too good to be true … it probably is.Aletta Tibbets:These are your Nigerian email scams, Craigslist buyers that of fer to pay you extra, online job offers. When these arise people should default to the assumption that it’s a scam and do a lot of research before giving out any personal information. Your state regulatory agencies are one good place to check with if you’re not sure about something.Kyle Kroeger:“If you see something that sounds like its hard to believe its real, this is one of the most common signs of a scam.Its your money. Protect it.Keeping your money safe from high-interest bad credit loans (like payday and title loans) is hard enough. Dont let scammers sneak in and steal everything youve worked so hard to protect. To learn more about keeping your money safe from scams and fraudsters, check out these other posts and articles from OppLoans:5 Steps You Can Take to Prevent Identity TheftHow to Handle Debt Collection ScamsBuying a Car Online? Here’s How to Avoid Getting ScammedShould You Freeze Your Credit?Do you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsMonica Eaton-Cardone is the owner, co-founder,  and COO of  Chargebacks911 (@chargebacks911), the first global company dedicated to preventing chargeback fraud, eliminating cyber-shoplifting and safeguarding the “eCommerce experience” for retailers, banks, buyers and sellers.   Chargebacks911 manages billions of online transactions annually and has helped its clients recover over $1 billion in disputed revenue. Monica is also the author of Chargebacks for Dummies (published in 2018), part of the best-selling instructional/reference book series.Brian Gill co-founded  Gillware Data Recovery  (@gwdatarecovery) and  Gillware Digital Forensics (@gwforensics), one of the worlds most successful data recovery companies and digital forensics labs. He currently serves as Chairman.Kyle Kroeger is the founder of  Millionaire Mob (@millionairemob2), a blog focused on side hustles, travel hacking and investing. Wev e helped thousands better their finances to achieve modern financial freedom.Justin Lavelle  is a Scams Prevention Expert and the Chief Communications Officer of  BeenVerified.com (@BeenVerified). BeenVerified is a leading source of online background checks and contact information. It helps people discover, understand and use public data in their everyday lives and can provide peace of mind by offering a fast, easy and affordable way to do background checks on potential dates. BeenVerified allows individuals to find more information about people, phone numbers, email addresses,  and property records.Adnan Raja is the Vice President of Marketing for  Atlantic.Net (@atlanticnet), a web hosting solution that provides HIPAA-Compliant, Managed, Dedicated, and Cloud hosting.Aletta Tibbetts (@aletta) runs  Eos Financial Planning LLC, a fee-only financial planning firm that works with technology and engineering professionals and startup founders to set personal and financial goals and const ruct a path to meet them. With an emphasis on client education and engagement, Aletta strives to help her clients and the public be more financially savvy. She writes about finance-related issues on the Eos blog.

Expert Roundup 13 Signs Youre Being Scammed

Expert Roundup 13 Signs Youre Being Scammed Expert Roundup: 13 Signs Youre Being Scammed Expert Roundup: 13 Signs Youre Being ScammedIf you get a weird email from a friend or family member asking for moneyâ€"or worse, asking for your personal financial infoâ€"then its almost certainly a scam.Oftentimes, we write posts on this blog to help people protect their money by steering clear of predatory payday loans and cash advances. But those short-term, high-cost no credit check loans aren’t the only thing that can suck your bank account dry.Scams and fraudsters, for instance, have been around since the dawn of human civilization, and they are remarkably good at keeping up with all the latest trends and innovations. Once they get their hands on your money, you’re pretty much cooked.Still, there are certain warning signs that almost all potential cons have in common. If you learn to identify them, it’ll put you one step ahead. That’s why we reached out to a number of experts in fraud and financial planning who shared these 12 handy signs that you’re about to get scam med.1. Irreversible transactions.Justin Lavelle, Chief Communications Officer for  BeenVerified.com (@BeenVerified):“Asking for irreversible transactions such as a money wire, prepaid gift cards, or cash. A reputable person/company will bill you professionally and through normal means.”2. Typos.Brian Gill, Chairman and former CEO of  Gillware Data Recovery  (@gwdatarecovery):“When an email from a company has spelling errors or bad grammar, it should be another warning sign. Large companies have copywriters and editors who make sure email communications are grammatically correct.”Justin Lavelle:“A letter or email with a well-known logo on it may not be what it seems. Check it carefully for typos, and compare it to anything you have received legitimately from the company in the past. If it looks right, double check with a call to the real company just to be completely sure.”3. Unsecured websites.Monica Eaton-Cardon,  owner, co-founder, and COO of Chargebacks911 (@chargebac ks911):NEVER make purchases at a website with an ‘http’ URL. Only make purchases on websites that are ‘https’. The ‘s’ indicates a higher level of security.  Nowadays, all reputable eCommerce sites are https, including the major airlines, banks, stores, hotels and retail chains.“If you receive an email solicitation to use at a website that’s ‘http,’ be extra careful.  It could be a scam, and your data could be at a heightened risk of vulnerability.4. Requests for personal or financial info.Justin Lavelle:“Never, ever, ever give out personal or sensitive information over email or the phone unless you are one hundred percent certain about the company. Your own bank is different from an unknown company trying to get your info to do anything they want with.Adnan Raja, Vice President of Marketing for Atlantic.Net (@atlanticnet):“Be wary of any phishing emails who may try to exploit you to gain access to your accounts. Avoid giving out your medical information ov er email or on the phone, unless you have already signed an authorization to do so.“If available, always sign up for multi-factor authentication for online portals, which sends a pin code to your phone as a secondary security measure anytime you are trying to login to your account.”5. Upfront payments.Justin Lavelle:“Unsolicited offers that require payment up front. Usually, these can seem legit, but a quick internet search will tell you everything you need to know. Be even more cautious if you cannot find them online.”6. Aggressive sales tactics.Kyle Kroeger, Founder of Millionaire Mob (@millionairemob2)“Its no surprise that a scammer is going to try to sell you hard and fast on their hypothetical product/service. If you receive aggressive sales tactics upfront and after you buy, be aware this might be a scam. Aggressive sales tactics include spammy behavior and spammy email addresses.”7. Surprises in your inbox.Brian Gill:“When checking your email, stay suspicious an d on alert. Often times a fraudulent email will try to scare you by saying something was stolen or that you’ve won a prize. Rather than clicking on links from your email, just go directly to the actual website and sign in how you normally would.”8. Making you the money middleman.Justin Lavelle:“If you are being told to deposit money, and then to withdraw it and send it somewhere else, that is a huge red flag. Chances are, you are involved in illegal activity. There is no reason to be handling payments meant for another party.”9. Weird money requests from friends, family, or colleagues.Aletta Tibbets (@aletta), Founder Principal of  Eos Financial Planning LLC:“It’s increasingly popular to spoof email from a boss or colleague saying they need you to wire money or provide information right away. The best policy is to never rely on emails for this sort of directive. If they give some reason why they can only communicate via email, that’s a huge red flag.“If the situatio n is one that involves someone you personally know, find a way to make voice contact with them before proceeding, or ask a question or two that only they would know.”Brian Gill:“If you receive an email where the “To” field is left blank, it’s a clear signal that it didn’t come from the perceived sender. Also, if the email begins with “Hello” but doesn’t actually state your name, that’s another red flag.”10. Threats.Justin Lavelle:“If someone is threatening you into giving them money, it is most definitely not on the up and up. Professional business and collectors do not threaten you.”11. Fake online stores.Monica Eaton-Cardon:“During the months of March and April, you might receive highly-tempting emails from travel sites that promise amazing savings. Some of these emails could even appear to come from reputable, trustworthy companies.  But beware: Fraudsters will design email offers and create fake websites that look very similar to legitimate stores. T hey do this to ‘phish’ for your financial information, so they can steal from your bank account.“Consumers should proceed with caution and use common sense: Is the URL misspelled?  Is it http and not https? When you Google the site and/or the offer, are people warning you of fraud?  Are the images low-resolution? Does the verbiage include spelling errors and grammatical mistakes? Is the offer too good to be true?  And is it a website that you’ve never visited before?These are the telltale signs of a fake online store.  Delete the email, and do not submit your financial information.  It isn’t worth the risk.”12. Claiming to be from the government.Justin Lavelle:“Anyone working for the government is required to provide identification AND verification of that identity. If someone refuses to do this or does not check out, it is a scam.”13. If it seems too good to be true … it probably is.Aletta Tibbets:These are your Nigerian email scams, Craigslist buyers that of fer to pay you extra, online job offers. When these arise people should default to the assumption that it’s a scam and do a lot of research before giving out any personal information. Your state regulatory agencies are one good place to check with if you’re not sure about something.Kyle Kroeger:“If you see something that sounds like its hard to believe its real, this is one of the most common signs of a scam.Its your money. Protect it.Keeping your money safe from high-interest bad credit loans (like payday and title loans) is hard enough. Dont let scammers sneak in and steal everything youve worked so hard to protect. To learn more about keeping your money safe from scams and fraudsters, check out these other posts and articles from OppLoans:5 Steps You Can Take to Prevent Identity TheftHow to Handle Debt Collection ScamsBuying a Car Online? Here’s How to Avoid Getting ScammedShould You Freeze Your Credit?Do you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsMonica Eaton-Cardone is the owner, co-founder,  and COO of  Chargebacks911 (@chargebacks911), the first global company dedicated to preventing chargeback fraud, eliminating cyber-shoplifting and safeguarding the “eCommerce experience” for retailers, banks, buyers and sellers.   Chargebacks911 manages billions of online transactions annually and has helped its clients recover over $1 billion in disputed revenue. Monica is also the author of Chargebacks for Dummies (published in 2018), part of the best-selling instructional/reference book series.Brian Gill co-founded  Gillware Data Recovery  (@gwdatarecovery) and  Gillware Digital Forensics (@gwforensics), one of the worlds most successful data recovery companies and digital forensics labs. He currently serves as Chairman.Kyle Kroeger is the founder of  Millionaire Mob (@millionairemob2), a blog focused on side hustles, travel hacking and investing. Wev e helped thousands better their finances to achieve modern financial freedom.Justin Lavelle  is a Scams Prevention Expert and the Chief Communications Officer of  BeenVerified.com (@BeenVerified). BeenVerified is a leading source of online background checks and contact information. It helps people discover, understand and use public data in their everyday lives and can provide peace of mind by offering a fast, easy and affordable way to do background checks on potential dates. BeenVerified allows individuals to find more information about people, phone numbers, email addresses,  and property records.Adnan Raja is the Vice President of Marketing for  Atlantic.Net (@atlanticnet), a web hosting solution that provides HIPAA-Compliant, Managed, Dedicated, and Cloud hosting.Aletta Tibbetts (@aletta) runs  Eos Financial Planning LLC, a fee-only financial planning firm that works with technology and engineering professionals and startup founders to set personal and financial goals and const ruct a path to meet them. With an emphasis on client education and engagement, Aletta strives to help her clients and the public be more financially savvy. She writes about finance-related issues on the Eos blog.

Expert Roundup 13 Signs Youre Being Scammed

Expert Roundup 13 Signs Youre Being Scammed Expert Roundup: 13 Signs Youre Being Scammed Expert Roundup: 13 Signs Youre Being ScammedIf you get a weird email from a friend or family member asking for moneyâ€"or worse, asking for your personal financial infoâ€"then its almost certainly a scam.Oftentimes, we write posts on this blog to help people protect their money by steering clear of predatory payday loans and cash advances. But those short-term, high-cost no credit check loans aren’t the only thing that can suck your bank account dry.Scams and fraudsters, for instance, have been around since the dawn of human civilization, and they are remarkably good at keeping up with all the latest trends and innovations. Once they get their hands on your money, you’re pretty much cooked.Still, there are certain warning signs that almost all potential cons have in common. If you learn to identify them, it’ll put you one step ahead. That’s why we reached out to a number of experts in fraud and financial planning who shared these 12 handy signs that you’re about to get scam med.1. Irreversible transactions.Justin Lavelle, Chief Communications Officer for  BeenVerified.com (@BeenVerified):“Asking for irreversible transactions such as a money wire, prepaid gift cards, or cash. A reputable person/company will bill you professionally and through normal means.”2. Typos.Brian Gill, Chairman and former CEO of  Gillware Data Recovery  (@gwdatarecovery):“When an email from a company has spelling errors or bad grammar, it should be another warning sign. Large companies have copywriters and editors who make sure email communications are grammatically correct.”Justin Lavelle:“A letter or email with a well-known logo on it may not be what it seems. Check it carefully for typos, and compare it to anything you have received legitimately from the company in the past. If it looks right, double check with a call to the real company just to be completely sure.”3. Unsecured websites.Monica Eaton-Cardon,  owner, co-founder, and COO of Chargebacks911 (@chargebac ks911):NEVER make purchases at a website with an ‘http’ URL. Only make purchases on websites that are ‘https’. The ‘s’ indicates a higher level of security.  Nowadays, all reputable eCommerce sites are https, including the major airlines, banks, stores, hotels and retail chains.“If you receive an email solicitation to use at a website that’s ‘http,’ be extra careful.  It could be a scam, and your data could be at a heightened risk of vulnerability.4. Requests for personal or financial info.Justin Lavelle:“Never, ever, ever give out personal or sensitive information over email or the phone unless you are one hundred percent certain about the company. Your own bank is different from an unknown company trying to get your info to do anything they want with.Adnan Raja, Vice President of Marketing for Atlantic.Net (@atlanticnet):“Be wary of any phishing emails who may try to exploit you to gain access to your accounts. Avoid giving out your medical information ov er email or on the phone, unless you have already signed an authorization to do so.“If available, always sign up for multi-factor authentication for online portals, which sends a pin code to your phone as a secondary security measure anytime you are trying to login to your account.”5. Upfront payments.Justin Lavelle:“Unsolicited offers that require payment up front. Usually, these can seem legit, but a quick internet search will tell you everything you need to know. Be even more cautious if you cannot find them online.”6. Aggressive sales tactics.Kyle Kroeger, Founder of Millionaire Mob (@millionairemob2)“Its no surprise that a scammer is going to try to sell you hard and fast on their hypothetical product/service. If you receive aggressive sales tactics upfront and after you buy, be aware this might be a scam. Aggressive sales tactics include spammy behavior and spammy email addresses.”7. Surprises in your inbox.Brian Gill:“When checking your email, stay suspicious an d on alert. Often times a fraudulent email will try to scare you by saying something was stolen or that you’ve won a prize. Rather than clicking on links from your email, just go directly to the actual website and sign in how you normally would.”8. Making you the money middleman.Justin Lavelle:“If you are being told to deposit money, and then to withdraw it and send it somewhere else, that is a huge red flag. Chances are, you are involved in illegal activity. There is no reason to be handling payments meant for another party.”9. Weird money requests from friends, family, or colleagues.Aletta Tibbets (@aletta), Founder Principal of  Eos Financial Planning LLC:“It’s increasingly popular to spoof email from a boss or colleague saying they need you to wire money or provide information right away. The best policy is to never rely on emails for this sort of directive. If they give some reason why they can only communicate via email, that’s a huge red flag.“If the situatio n is one that involves someone you personally know, find a way to make voice contact with them before proceeding, or ask a question or two that only they would know.”Brian Gill:“If you receive an email where the “To” field is left blank, it’s a clear signal that it didn’t come from the perceived sender. Also, if the email begins with “Hello” but doesn’t actually state your name, that’s another red flag.”10. Threats.Justin Lavelle:“If someone is threatening you into giving them money, it is most definitely not on the up and up. Professional business and collectors do not threaten you.”11. Fake online stores.Monica Eaton-Cardon:“During the months of March and April, you might receive highly-tempting emails from travel sites that promise amazing savings. Some of these emails could even appear to come from reputable, trustworthy companies.  But beware: Fraudsters will design email offers and create fake websites that look very similar to legitimate stores. T hey do this to ‘phish’ for your financial information, so they can steal from your bank account.“Consumers should proceed with caution and use common sense: Is the URL misspelled?  Is it http and not https? When you Google the site and/or the offer, are people warning you of fraud?  Are the images low-resolution? Does the verbiage include spelling errors and grammatical mistakes? Is the offer too good to be true?  And is it a website that you’ve never visited before?These are the telltale signs of a fake online store.  Delete the email, and do not submit your financial information.  It isn’t worth the risk.”12. Claiming to be from the government.Justin Lavelle:“Anyone working for the government is required to provide identification AND verification of that identity. If someone refuses to do this or does not check out, it is a scam.”13. If it seems too good to be true … it probably is.Aletta Tibbets:These are your Nigerian email scams, Craigslist buyers that of fer to pay you extra, online job offers. When these arise people should default to the assumption that it’s a scam and do a lot of research before giving out any personal information. Your state regulatory agencies are one good place to check with if you’re not sure about something.Kyle Kroeger:“If you see something that sounds like its hard to believe its real, this is one of the most common signs of a scam.Its your money. Protect it.Keeping your money safe from high-interest bad credit loans (like payday and title loans) is hard enough. Dont let scammers sneak in and steal everything youve worked so hard to protect. To learn more about keeping your money safe from scams and fraudsters, check out these other posts and articles from OppLoans:5 Steps You Can Take to Prevent Identity TheftHow to Handle Debt Collection ScamsBuying a Car Online? Here’s How to Avoid Getting ScammedShould You Freeze Your Credit?Do you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsMonica Eaton-Cardone is the owner, co-founder,  and COO of  Chargebacks911 (@chargebacks911), the first global company dedicated to preventing chargeback fraud, eliminating cyber-shoplifting and safeguarding the “eCommerce experience” for retailers, banks, buyers and sellers.   Chargebacks911 manages billions of online transactions annually and has helped its clients recover over $1 billion in disputed revenue. Monica is also the author of Chargebacks for Dummies (published in 2018), part of the best-selling instructional/reference book series.Brian Gill co-founded  Gillware Data Recovery  (@gwdatarecovery) and  Gillware Digital Forensics (@gwforensics), one of the worlds most successful data recovery companies and digital forensics labs. He currently serves as Chairman.Kyle Kroeger is the founder of  Millionaire Mob (@millionairemob2), a blog focused on side hustles, travel hacking and investing. Wev e helped thousands better their finances to achieve modern financial freedom.Justin Lavelle  is a Scams Prevention Expert and the Chief Communications Officer of  BeenVerified.com (@BeenVerified). BeenVerified is a leading source of online background checks and contact information. It helps people discover, understand and use public data in their everyday lives and can provide peace of mind by offering a fast, easy and affordable way to do background checks on potential dates. BeenVerified allows individuals to find more information about people, phone numbers, email addresses,  and property records.Adnan Raja is the Vice President of Marketing for  Atlantic.Net (@atlanticnet), a web hosting solution that provides HIPAA-Compliant, Managed, Dedicated, and Cloud hosting.Aletta Tibbetts (@aletta) runs  Eos Financial Planning LLC, a fee-only financial planning firm that works with technology and engineering professionals and startup founders to set personal and financial goals and const ruct a path to meet them. With an emphasis on client education and engagement, Aletta strives to help her clients and the public be more financially savvy. She writes about finance-related issues on the Eos blog.