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According to the Anti-Phishing Working Group (APWG) email scams also known as phishing attacks claim more than 2,000 victims each day from more than 75 million phishing emails that are sent each day. The APWG also claims that these email scams steal close to $1 billion a year from its victims.Phishing (pronounced fishing), is online identity theft that uses spoof emails, fraudulent websites and crimeware to trick unsuspecting internet users into providing financial data, credit card numbers, social security numbers, account logins and passwords, etc.These email scams (spoof email) mimic legitimate companies such as banks, credit card companies, investing companies, paypal, ebay, etc. These...

Imagine the public outcry if 27 million Americans discovered that their most private medical and financial health records had been stolen! No way, impossible. Yet, a single laptop computer containing all of these veterans and active-duty servicemen and women actually "went missing".The internet, PCs and laptops, cell phones and blackberries, online and offline data storage, and a raft of information technologies are leaving you vulnerable to identity theft and credit card fraud. Bad guys know about the credit bureaus, the banks and other institutions, and even the state governments which actively "sell" the data records to the direct marketing industry. Where's your "privacy" in this unregulated...

The competition among credit card issuing companies is getting stiffer and stiffer by the minute. Each company offers the consumer a choice of several different kinds of credit cards - all of which, they claim, have been "tailor-fit" for their individual lifestyles. In addition to these cards, they entice customers to sign up by providing lower interest fees for balance transfers, and no interest payments for installment purchases (terms and conditions apply).Not content with these benefits, credit card companies are trying to out-do each other in terms of visual appeal. In the past, credit card companies allowed you to have your favorite photo (be it of yourself, a landscape, your family or even...

Computers and money...with the widespread use of the Internet more and more people are using credit cards for online purchasing. Even with all the encryption and "security" technology out there today, identities are stolen, credit card fraud occurs and people get hurt everyday. Using debit cards is especially risky IF that debit card is tied to your primary checking account, which brings me around to the point of this article. How to set up a dedicated online E-checking/debit card account for ALL online purchasing so you run the least risk of taking a financial hit on the Internet... a concept you may want to implement.First, you have to find a bank that offers free (and I mean free) checking...

The competition among credit card issuing companies is getting stiffer and stiffer by the minute. Each company offers the consumer a choice of several different kinds of credit cards - all of which, they claim, have been "tailor-fit" for their individual lifestyles. In addition to these cards, they entice customers to sign up by providing lower interest fees for balance transfers, and no interest payments for installment purchases (terms and conditions apply).Not content with these benefits, credit card companies are trying to out-do each other in terms of visual appeal. In the past, credit card companies allowed you to have your favorite photo (be it of yourself, a landscape, your family or even...

Credit card jumping (or rate surfing) is becoming more widespread as people struggle to keep on top of the mountains of debt they have amassed. It's called credit card jumping because people jump from credit card to credit card, taking advantage of the best deals on offer.How Credit Card Jumping WorksIt works like this. Suppose you pay for your new car, DVD recorder or stereo using your old credit card. After the interest free period of around 56 days (less on some cards) you will have to pay interest on the outstanding balance. This can range from under 8% to well over 23% depending on the credit card you have. And most of the money you pay back each month will pay off interest rather than reducing...

In business management classes across the country MBA students study business ethics. In fact, there are now MBA degrees available that are called Ethics MBAs. But in the real world how ethical is the business community? How ethical is our own government?How many business travelers for their corporations charge personal items to their credit cards of their corporations? Corporations watch this very closely to make sure everyone follows the rules. Not everyone follows the rules and often there are people who go to extreme lengths to hide their misdeeds.From a business ethics standpoint corporations and their workers are much more honest and forthright than those who work in government. In fact...

Its All About the DetailsIn Part II of this article, we looked at some of the things that people to need to watch out for in implementing this balance transfer arbitrage strategy. It wasn't the complete list, but it was enough to make it crystal clear that careful attention has to be paid to the details - the fine print - in order to profit from balance transfers. As I mentioned in Part I, the details are in the terms & conditions of the offer. Today, we're going to examine the terms & conditions from an actual balance transfer offer I received in the mail to determine if it is good enough to make some free money with if we accept the issuer's credit card. I recently received an offer from American...

If you're an online shopper and are afraid of credit card fraud spare a thought for those at the other side, the online vendors. The large majority of shoppers who lose money to fraud are reimbursed by their credit card issuer. On the other hand about 75% of vendors who suffer at the hands of fraudsters do not. So, what steps can the online vendors take to reduce this extremely damaging effect on their business? Below I have outlined 10 things to stick to if you are in the business of selling online:1. Do not send goods to PO Box addresses. The owner of the PO Box could be located anywhere2. Also be wary of shipping abroad as it's harder to make claims. Countries such as Indonesia and Nigeria merit...

If you don't have a credit card or have one that you don't use very much, you may be asking yourself: "why do I even need a credit card?" Many people are sceptical about the need to have a credit card, even though so many others have more than one. If you are not sure whether credit cards are really necessary, then here is some advice to help you to decide if you need a credit card or not. Do I need a card? The first thing you should ask yourself is whether or not you really need a credit card. If you have managed perfectly well for years without a credit card, and your situation hasn't changed, then perhaps you don't need a card. If you have money saved then you don't need a card for emergencies...

Knowing how a credit card works is important as this is the only way you can make the card work for you rather than the other way around. While making a choice on the right credit card to pick, you should consider the following attributes before deciding.Annual Percentage RateNot every credit card is equal as proven by the wide range of annual percentage rates (APR) available in the credit card market. As the APR is the interest rate charged to you on top of your credit card charges, greater delays in your payment will result in higher interest rate charges. Thus, it is important to always clear all your outstanding balances as soon as possible. Allowing the balance to snowball will not be wise as...

Fishing on the Internet has come a long way. However, we TechWeb junkies like to call it Phishing. What I am talking about here is not going after your ordinary, everyday catch. Yet a fine catch it indeed may be to those thieving bandits if they can lure you into giving up your personal and private information. Trickery is vast and common on the World Wide Web. Beware, I say, beware!Email schemes, called "phishing" or "carding", attempt to trick consumers into disclosing personal and/or financial information. The emails appear to come from legitimate companies with whom consumers may regularly conduct business. I have seen scams appear to come from such noteworthy corporation as AOL, Earthlink...

I live in the land of flashy cars. In LA you are what you drive - even if you're driving yourself into debt. If you buy a Bentley, a Ferrari, a Maserati or a Rolls Royce you're buying an attention-getting car. If you buy a BMW, a Jaguar or a Mercedes, you're buying an economy car. I've seen all kinds of cars. I've seen one that looks like a hot dog and one that looks like a shoe. I've also seen a car that looks like a rooster - which proves not all cars are female. If they were, where would the new models come from? My car is male and his name is Huey. Yes, I named my car. There are times I spend more time with my car than with my husband and I didn't want to be telling my problems to a stranger. In...

In business management classes across the country MBA students study business ethics. In fact, there are now MBA degrees available that are called Ethics MBAs. But in the real world how ethical is the business community? How ethical is our own government?How many business travelers for their corporations charge personal items to their credit cards of their corporations? Corporations watch this very closely to make sure everyone follows the rules. Not everyone follows the rules and often there are people who go to extreme lengths to hide their misdeeds.From a business ethics standpoint corporations and their workers are much more honest and forthright than those who work in government. In fact...

The average American spends the first six months of every year paying off their holiday debt from the year before. Overspending, opening new credit accounts and generally just spreading your finances too thin is especially tempting as you succumb to the "spirit" of the holidays. That spirit has Americans planning to spend an average of $1,096 on holiday presents this year, up $207 from 2004. But before you dust off your trusty credit card for its busiest time of the year, read up on these 10 tips that will keep you and your credit scores merry and bright. 1. Stay away from high credit balances and too many accounts...

The competition among credit card issuing companies is getting stiffer and stiffer by the minute. Each company offers the consumer a choice of several different kinds of credit cards - all of which, they claim, have been "tailor-fit" for their individual lifestyles. In addition to these cards, they entice customers to sign up by providing lower interest fees for balance transfers, and no interest payments for installment purchases (terms and conditions apply).Not content with these benefits, credit card companies are trying to out-do each other in terms of visual appeal. In the past, credit card companies allowed you to have your favorite photo (be it of yourself, a landscape, your family or even...

The competition among credit card issuing companies is getting stiffer and stiffer by the minute. Each company offers the consumer a choice of several different kinds of credit cards - all of which, they claim, have been "tailor-fit" for their individual lifestyles. In addition to these cards, they entice customers to sign up by providing lower interest fees for balance transfers, and no interest payments for installment purchases (terms and conditions apply).Not content with these benefits, credit card companies are trying to out-do each other in terms of visual appeal. In the past, credit card companies allowed you to have your favorite photo (be it of yourself, a landscape, your family or even...

Its All About the DetailsIn Part II of this article, we looked at some of the things that people to need to watch out for in implementing this balance transfer arbitrage strategy. It wasn't the complete list, but it was enough to make it crystal clear that careful attention has to be paid to the details - the fine print - in order to profit from balance transfers. As I mentioned in Part I, the details are in the terms & conditions of the offer. Today, we're going to examine the terms & conditions from an actual balance transfer offer I received in the mail to determine if it is good enough to make some free money with if we accept the issuer's credit card. I recently received an offer from American...

The competition among credit card issuing companies is getting stiffer and stiffer by the minute. Each company offers the consumer a choice of several different kinds of credit cards - all of which, they claim, have been "tailor-fit" for their individual lifestyles. In addition to these cards, they entice customers to sign up by providing lower interest fees for balance transfers, and no interest payments for installment purchases (terms and conditions apply).Not content with these benefits, credit card companies are trying to out-do each other in terms of visual appeal. In the past, credit card companies allowed you to have your favorite photo (be it of yourself, a landscape, your family or even...

Its All About the DetailsIn Part II of this article, we looked at some of the things that people to need to watch out for in implementing this balance transfer arbitrage strategy. It wasn't the complete list, but it was enough to make it crystal clear that careful attention has to be paid to the details - the fine print - in order to profit from balance transfers. As I mentioned in Part I, the details are in the terms & conditions of the offer. Today, we're going to examine the terms & conditions from an actual balance transfer offer I received in the mail to determine if it is good enough to make some free money with if we accept the issuer's credit card. I recently received an offer from American...

Whenever there is an opportunity to make large amounts of money, there will be people who are eager to jump right in and start making money. And where there are people who are eager to get rich quick with a minimum of effort on their part, there are fraudsters waiting to take their money. Experienced traders are wise enough to avoid the frauds - it's the new traders who are most vulnerable to the forex scams that are slipping into the currency exchange market. The U.S. CFTC (Commodity Futures Trading Commission), which regulates futures and commodities trading, warns new investors to be wary of frauds and scams that promise huge profits from your investments, in and out of the Forex market. The CFTC...

Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed. Prepaid Credit Card spending limit is the amount of money you loaded to the card. There are no interest or finance charges on a prepaid card. With secured credit card, your credit line could be from 50% to 100% of your deposit depending on the institution giving you the secured credit. Therefore the company giving you the secured credit card has zero risk.Secured credit card can be very beneficial because it gives you an opportunity to rebuild...

In business management classes across the country MBA students study business ethics. In fact, there are now MBA degrees available that are called Ethics MBAs. But in the real world how ethical is the business community? How ethical is our own government?How many business travelers for their corporations charge personal items to their credit cards of their corporations? Corporations watch this very closely to make sure everyone follows the rules. Not everyone follows the rules and often there are people who go to extreme lengths to hide their misdeeds.From a business ethics standpoint corporations and their workers are much more honest and forthright than those who work in government. In fact...

Vegas, baby. Vegas! They weren't lying: what happens in Vegas... stays in Vegas!How many times have you heard those catch phrases? Well, we agree - they are both very overstated. But, they really do sum up your Vegas experience. Bottom line: Las Vegas is about checking your husbands, wives, girlfriends, boyfriends, etc. at the door and cutting yourself loose from any morals, worries, conscience. This is the place where everyone seems to think that "anything goes" - and it usually does! People actually do enjoy pretending they are somebody else. Even the most conservative woman in your office will let her hair down and give in to that one night stand -- she is in Vegas, after all!With all those poker...

Its All About the DetailsIn Part II of this article, we looked at some of the things that people to need to watch out for in implementing this balance transfer arbitrage strategy. It wasn't the complete list, but it was enough to make it crystal clear that careful attention has to be paid to the details - the fine print - in order to profit from balance transfers. As I mentioned in Part I, the details are in the terms & conditions of the offer. Today, we're going to examine the terms & conditions from an actual balance transfer offer I received in the mail to determine if it is good enough to make some free money with if we accept the issuer's credit card. I recently received an offer from American...

If you are a first time credit card user or have had credit cards for years, it is important to know about possible scams that you can be exposed to. Although many credit card companies are perfectly honest, there are also many dishonest ones who want to rip you off. If you are unaware of the ways in which you can be conned or misled then you could end up losing a lot of money. Here are some of the worst credit card scams around and how to avoid them: Debt suspension Debt suspension offers are sometimes offered by banks as a way to 'help' you keep on track with payments. The way debt suspension works is that you pay a certain amount each month so that if you cannot pay your bills then no interest...

The competition among credit card issuing companies is getting stiffer and stiffer by the minute. Each company offers the consumer a choice of several different kinds of credit cards - all of which, they claim, have been "tailor-fit" for their individual lifestyles. In addition to these cards, they entice customers to sign up by providing lower interest fees for balance transfers, and no interest payments for installment purchases (terms and conditions apply).Not content with these benefits, credit card companies are trying to out-do each other in terms of visual appeal. In the past, credit card companies allowed you to have your favorite photo (be it of yourself, a landscape, your family or even...

In business management classes across the country MBA students study business ethics. In fact, there are now MBA degrees available that are called Ethics MBAs. But in the real world how ethical is the business community? How ethical is our own government?How many business travelers for their corporations charge personal items to their credit cards of their corporations? Corporations watch this very closely to make sure everyone follows the rules. Not everyone follows the rules and often there are people who go to extreme lengths to hide their misdeeds.From a business ethics standpoint corporations and their workers are much more honest and forthright than those who work in government. In fact...

Borrowers mostly get denied from getting loans due to their bad credit status. Lenders generally avoid lending their money to the person who is not sincere in paying his debts in the past or due to any other reason which made him a bad credit holder. A no credit check secured personal loan can cater to the needs of such people through apt financing. No credit check secured personal loans are loans which are secured by the property of the borrower as collateral and does not need and credit check of the borrower. The collateral is mostly your home, or real estate, or any other asset with some considerable value to offer to the lender. The presence of collateral allows the lender to provide you with...