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Easy Money – Not

Thought today would be like every morning but when I checked my inbox I found out that I had won 2 international lotteries that I had no idea I had ever entered and the family of some dead prince in Nigeria wanted me to act as the next of kin and they Let him keep 10% of his total assets. With all this money I’m going to live on the easy road and never have to work again.

Anyone with an email address can fall victim to the growing outbreak of identity theft, Nigerian scams, phishing scams, etc…. People fall for scams because we always look for the pot of gold at the end of the rainbow. These scammers would make great salespeople because they understand that everything is a numbers game. I get so many emails from all these different banks asking me to click here and update my information Scammers know that most recipients of these emails will never respond, but if they send one that looks like this from CitiBank, they know that anyone who actually has a CitiBank account will likely respond.

I received emails asking me to update my eBay account, my PayPal account, and my Chase Manhattan account. I know I don’t have an eBay or Chase account. You would think that sites like eBay, who have 120 million registered users, would send out an email to educate their registered users but eBay says they don’t want any liability so they let their users get scammed. Most of these people will simply lose money while others will spend time in jail or have their credit damaged beyond repair.

If you just check your local news, you will see many stories about scams currently out there. If you’re selling an item through eBay or the classifieds and a buyer sends you a check for the payment amount, chances are it’s part of a scam, especially if they want to send you additional funds via Western Union. If you get an email about a company collecting money to work from home and they say you can keep 10%, chances are you’re involved in a processing scam. If you get an email that someone is dying with no next of kin and they want you to act as next of kin, do you remember the old saying “if it sounds too good to be true, it probably is”.

Earthlink has come up with a web browser that will help you identify these phishing sites and I’m sure other companies have come up with something too. A number of sites have sprung up in recent months that will help educate you about what’s going on and even offer some help if you’re a victim. One is called ScamSafe, another is Fraud, and my wife has one called idtheftnightmare. I can’t include extensions because then people think I’m promoting these sites which I’m not

Just remember there are no shortcuts in life. If you receive a suspicious email please ask for someone else’s opinion so you don’t fall victim to a scam. Also keep in mind that most banks and credit card companies will not send your information via email and will call you if they want you to verify something.

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