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  1. #51
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    Re: Cut and paste snippets about scams.

    Are you a money mule? Found this sort of interesting today.

    Money Mule.JPG


    ZeuS Malware Used to Lure Victims to Money Mule Recruitment Website
    It’s well known that it’s not enough for cybercriminals to get a hold of personal and financial information to make a profit. They somehow have to monetize their proceeds, and the safest way for them to do that is by recruiting money mules.

    Money mules are willing or unwitting individuals who withdraw the money, keep a percentage for themselves and wire the rest to the crooks.

    Cybercriminals often use legitimate job websites to advertise so-called “financial manager” positions. However, over the past period, employment websites have deployed mechanisms to allow users to easily report suspicious ads.

    That’s why cybercriminals have started relying on the notorious ZeuS malware to lure potential money mules to their own recruitment website.

    A new ZeuS variant spotted by researchers from Trusteer is designed not only to steal information, but also to utilize Man-in-the-Browser (MitB) techniques to present the owners of infected computers with an ad for a mule recruitment website every time they try to access CareerBuilder.com.

    The site that users are lured to, marketandtarget [dot] com, is currently down. When it was online, it presented visitors with various poorly designed ads for “hot jobs,” including a job as a “mystery shopper,” which is often used as bait to recruit money mules.

    “By using CareerBuilder as a platform, the Zeus operators maximize their outreach to potential mule targets. While HTML injection is typically used for adding data fields or to present bogus messages, in this case we witnessed a rare usage that attempts to divert the victim to a fake job offering,” Trusteer’s Etay Maor wrote in a blog post.

    “Because this redirection occurs when the victim is actively pursuing a job, in this case with CareerBuilder [dot] com, the victim is more likely to believe the redirection is to a legitimate job opportunity.”

    --------------------------------------------------

    This is from about the 1/2 way point of this article. Beware of email job offers from Money Mule recruiters | Wiz's Computer and Website Security Blog

    Fake employment offers, on the other hand, are meant to get YOU to participate in stealing other people's money, as the middle-man who receives, then remits stolen funds to cybercriminals pretending to be employers. The people who enter into these schemes are known as Money Mules.

    Read on to find out how this scam works and what the consequences could be for those who get involved

    What is a Money Mule?

    A Money Mule is a person who either knowingly or unknowingly becomes involved in a criminal money laundering scheme. The Money Mules I am going to describe are unknowingly recruited into transferring stolen funds, thinking it is part of a legitimate job with a multinational company. This job came to them via an unsolicited email, offering employment, possibly with a subject similar to this one that is currently making the rounds.

    Subject: Environmental organization is expanding and currently recruiting worldwide reps

    Think back to my prior paragraph describing malware threats that are meant to steal money from computer users who do online banking. These victims are tricked into opening a hostile attachment, or clicking on what appears to be an important link to view an invoice, read a complaint, get details about a failed transaction, etc. Once they have taken these actions, an exploit kit runs active JavaScript codes to find out if the computer contains vulnerable software for which an exploit can be downloaded. These vulnerabilities are usually found in outdated versions of Java, Adobe Flash and Adobe Reader. Once a single vulnerable entry point is found, the appropriate package is delivered and installed on that computer. In the case of bank account stealing malware, this is usually the ZeuS (Zbot), or Citidal Trojan.

    These Trojans will scan the infected computer for links to certain financial institutions, or PayPal, etc. When the user goes to log into their online bank, the malware will either intercept the user name, password and challenge question, or present a fake replacement login page, then send these credentials back home to a server controlled by the criminals running that particular Trojan campaign. Some time later, money will be transferred out of the victim's bank account, usually in amounts that "fly below the Radar" of most bank fraud detection monitors. This is usually just under $5000 or $10,000, depending on how much money is in that account. If a company business account is attacked, hundreds of thousands of dollars might be transferred before alarms go off.

    Bank account cybercriminals will do everything in their power to avoid being identified, while still getting a hold of the stolen money. So, they spam out fake job offers to rope in as many Money Mules as they need to launder these stolen funds as quickly as possible. If the average amount that can be transferred to a typical private bank account is $$9,999, this amount will be sent to each recent recruit, by direct deposit. Read that again! The money stolen by a banking Trojan is sent directly to the bank account of a recently hired job seeker, who is acting as a Money Mule.

    The Mules are put under contract to report all money received as soon as possible, then to await instructions. They may be told that a direct deposit of say $7500 is going to be made at 8 AM the next morning, their time. They are then told to check their bank account, online, until the money is deposited. They will then receive instructions to issue a wire transfer in that amount to another bank, using routing and account numbers.

    Stolen money may be transferred several times, between various Mules, some of whom are in foreign countries. The payout to the criminals behind this job scam is often accomplished by having local Mules take out cash (direct at bank or via ATM card), and converting it into prepaid money cards, or wired by Western Union to recipients who cannot be traced. Many, if not most of these cybercriminals live in the former Soviet Union.

    How Money Mules (don't) get paid

    Payment for their (money laundering) services is usually promised to be at the completion of each job, or at the end of two weeks, or the calendar month. What most Mules don't know in advance, but soon find out, is that their commission payment is usually never issued. Exceptions might happen when the controller tells the Mule to keep a very small commission before sending out the bulk of the money. Very few Money Mules are retained for a second job. They are "cut loose" and all communication with the so-called company that hired them is terminated. Emails bounce and any phone numbers used to communicate with the Mules are disconnected.

    Some time after this, the victim discovers that their bank account has been emptied, or seriously reduced, through fraud. They report it to their bank, who launch a follow the money investigation. Since the pilfered funds went by direct deposit to somebody in the same country, the bank will contact your bank to demand full repayment of illegally transferred funds. Your bank will attempt to comply and take that amount out of your accounts, to satisfy the return order. If your account lacks sufficient funds, the Police will be called, along with your State, or County Attorney General. You will be interviewed and possibly arrested for participating in a money laundering scheme.

    Not only will the mules be out the money they transferred, they will also have to pay for a good attorney to defend them in Federal Court. Bank account theft across State lines is a Federal offense. Some of the consequences are listed below (see this document).


    Inaccessible bank accounts - During an investigation, law enforcement officials may freeze a money mule‟s bank accounts. Being unable to access funds may create a significant financial burden. These activities may also have a long-term impact on credit scores.

    Prosecution - Money mules may be prosecuted for their participation in these schemes. Severe penalties may be meted out to those convicted of money laundering.

    Accountability for charges - In some cases, money mules are found personally responsible for repaying the losses suffered by the other victims.

    Vulnerability of personal information - As described in the typical process, criminals often collect personal information from the money mules. It is possible that the criminals may use this information for other malicious purposes, including extortion.
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  2. #52
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    Re: Cut and paste snippets about scams.

    SCAMMER :Gomaaelwany.Alwatany.AWB@gmx.com

    Wednesday, July 3, 2013
    Treat with dispatch
    FROM MR.GOMAA ELWANY
    ALWATANY BANK
    TEL: 002 011 4884 2681
    E-MAIL:Gomaaelwany.Alwatany.AWB@gmx.com

    Dear Friend;

    This message might meet you in utmost surprise. However, it's just my urgent need for foreign partner that made me to contact you for this transaction. I am a banker by profession and currently holding the post of Senior Manager Corporate Communications and Accounting unit of the bank.

    I have the opportunity of transferring the left over funds ($24million USD) of one of my client who died along with his entire family on 31 July 2000 in a plane crash. why I have to do this, I don't want the Egyptian government to take over the fund Due to the economic problem going in the country and You can confirm the genuineness of the deceased death by clicking on this web site below

    SITE REMOVED

    However, I am inviting you for a business deal where this money can be shared between us in the ratio of 60/40%. All I need is for you to set up an online account in your name with Alwatany bank and I will have the money deposited into this account of yours to enable you complete the transfer online to your designated bank account in your home country; Online banking is the safest way of doing business of such value no matter where you are located. It is as simple as it looks and as soon as the fund is transferred to your account, I will put away all documents to cover any trace of the fund. I know you will be very much interested, kindly provide me with the details below.

    First Name.............
    Surname................
    Address...............
    City........................
    State/Province.......
    Country..................
    Telephone No........
    Occupation ......
    Date of Birth (date/m/yr) ......
    Copy of International Passport Or ID card.....

    Further details will be provided when next I hear from you; remember this transaction is risk free as I would never jeopardize my future and that of my family by getting involved into what is illegal.

    Have a great day

    Yours sincerely,

    MR.GOMAA ELWANY
    TEL: 002 011 4884 2681
    E-MAIL Gomaaelwany.Alwatany.AWB@gmx.com

    Name : Alwatany Bank
    E-mail : Gomaaelwany.Alwatany.AWB@gmx.com,gom...t any@awb.com
    -----------------------------------------------------------------------------
    SCAMMER fredugo2013@yahoo.com,
    SCAMMER spadino.n@alice.it

    Wednesday, July 3, 2013
    Call Diplomant now with this phone number 305-320-6315
    We have finally succeeded in getting your package worthy of $2.5million out of delivery your consignment with the help of MR. John Mark Attorney General of Federal High Court of Justice Benin which act as your foreign Attorney representative here in Benin . We are waiting you to contact (fredugo2013@yahoo.com )so that Diplomatic agent Fred Ugo
    proceed to deliver your consignment box today to your home address. Diplomatic phone number (305-320-6315 )

    Regards MR. John Mark

    Name : MR. John Williams,MR. John Mark
    E-mail : fredugo2013@yahoo.com,spadino.n@alice.it

    -----------------------------------------------------------------------------
    I pinched both these letters from: https://www.facebook.com/pages/Scam/340470669393547
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  3. #53
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    Re: Cut and paste snippets about scams.

    A friend on mine put some feelers out about scam stuff that could be found on Facebook. Starting with what looks like Credit Card Fraud for sale or barter.

    https://www.facebook.com/TrillionTopUp?fref=ts

    CCFRAUD4.JPG
    CCFRAUD.JPG
    CCFRAUD1.JPG
    CCFRAUD2.JPG
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

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    Re: Cut and paste snippets about scams.

    SCAMMER kristy@elinkinter.net
    SCAMMER nkachejohn011@yahoo.com

    Wednesday, July 3, 2013
    DEAR FRIEND I REMEMBER YOUR PAST EFFORT SO CONTACT MY SECRETARY.
    Hello My Good Friend,

    How are you today? Hope all is well with you and your family? I hope this mail finds you in an excellent condition of health. But if you do not remember me, you have received an email from me in the past regarding a multi-million-dollar business proposal which we never concluded.

    I am using this opportunity to inform you that this multi-million-dollar business has been concluded with another Greek Merchant who financed it to a logical conclusion. I thank you for you're great effort to our unfinished transfer of fund into your account,due to one reason or the other best to known you at that time.

    Due to the effort, sincerity, courage and trust worthiness you showed during the course of the transaction, I want to compensate you and show my gratitude to you with the sum of $2,500,000.00. I have left an international certified bank draft for you, worth about $2,500,000.00 cash able anywhere in the world.

    My dear friend I will like you to contact my secretary Dr.Nkache John and comply with him so that he will send the draft to you without any delay. At the moment, I 'm very busy here in Paraguay South American, trying to invest my own share of the funds with my new partner.

    Please I will like you to accept this token with good faith as this is from the bottom of my heart.

    CONTACT: DR.NKACHE JOHN.
    ADDRESS: No. 46-biafraland Estate, Lagos, Federal Republic of Nigeria.

    EMAIL: (nkachejohn011@yahoo.com)

    Therefore, you should send to him. Your full Name, telephone number and contact address for his reference and make further arrangement with him on how you want to receive your check.

    Thanks you in anticipation for your past efforts and God bless you.

    Truly,
    Mr Gummi Ahmed.

    Name : Mr Gummi Ahmed,DR.NKACHE JOHN
    E-mail : kristy@elinkinter.net,nkachejohn011@yahoo.com

    --------------------------------------------------------------

    SCAMMER missgladysdia@gmail.com
    SCAMMER missgladysdia2013@yahoo.es

    Wednesday, July 3, 2013
    From Miss Gladys Dia
    From: Miss Gladys Dia
    Abidjan,ivory coast.

    Hello

    My name is Gladys Dia from Abidjan Ivory Coast and I will be 18 years old on the 22nd of November.My father Engineer Wilson Dia died in July 17 2012 after being involved in a motor accident. Before my father died, my mother had earlier died as a result of Diabetes.Before my father died in the hospital while taking treatment, he told me that there is Five million one hundred thousand united states dollars(US5,100,000.00) he has in a bank here in Abidjan Cote D'Ivoire.Please i will like to know if you can stand as my guardian by sending to me your name and address which will be what i will be presenting to the bank when i hear from you.Please if you wish to speak with me,i can be reach on this telephone number +225 55109313.

    Miss Gladys

    Name : Miss Gladys Dia
    E-mail : missgladysdia@gmail.com,missgladysdia2013@yahoo.es
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  5. #55
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    Re: Cut and paste snippets about scams.

    I know noting about cars, except they someone seems to move the side my gas cap is on every time I go to fill up. Probably the same person that changes the size of the air filters in my house when I am at the store getting replacements.



    Auto mechanic scams are one of the most common types of consumer rip-offs. For most of us, cars are a vital part of our lives but we may not have the knowledge or skill to keep them maintained and fix problems. When our cars need a repair, we have to trust our mechanic to diagnose the problem and give it to us straight.

    Unfortunately, this makes it easy for an auto mechanic to order repairs that aren’t really necessary, over-charge for a quick fix, or find other ways to rip us off right under our noses.

    The good news is you can protect yourself with a little information. Here’s 4 car repair scams that you can definitely avoid, every single time.


    Scam #1: The Engine Flush

    Ever have a mechanic suggest that you should get an engine flush? They’re probably full-on lying to your face. Mechanics (the unethical ones, at least) love to tell unsuspecting customers that their engines are dirty, which can only be remedied by an engine flush.

    Turns out you don’t really need this until you’ve been driving your car for a significant number of years. What’s that? You were just recommended an engine flush for your 2010 Sentra? Yeah, you can go ahead and skip that one.


    Scam #2: Fuel Injector Cleaning

    This is another scam that mechanics sometimes get away with because people don’t know enough about their cars to understand when they should say no.

    Most cars don’t need to have their fuel injectors cleaned until they pass the 100,000-mile mark.
    A color photo of two cars in a garage together.

    When getting your car fixed, it can be easy to get tricked into paying for unnecessary repairs.

    If you do think you might have a fuel injector problem, but haven’t driven your car very long, you can always get a fuel injector cleaning solution and add it to your gas tank the next time you top yourself off.


    Scam #3: Fuel-Saving Gadgets

    Wait. A fuel-saving gadget? That works? How is there not one in every car that’s ever been made, ever? It’s because they don’t actually work, at all. If they did, everybody would be using them.

    If your auto mechanic recommends that you pay extra money for a device that somehow grants you a ton of extra fuel economy, back away.

    To lower your monthly fuel costs without getting ripped off, there are a few practical things you can do, like learning how to coast, accelerating and braking more gently, and getting rid of all that junk in your trunk.


    Scam #4: The Auto-Transmission Flush
    A color photo of a mechanic of some sort working on a car.

    Make sure that you trust your mechanic before agreeing to any additional repairs.

    This is another repair service that your car most likely won’t need until you’ve passed that 60,000 mile mark.

    Problem is, most drivers don’t really realize this, so shady, scam-prone mechanics are able to talk people into the procedure, bilking them out of a good chunk of money in the process.

    Your car, as it turns out, has a system in place that makes it unnecessary for you to do an auto-transmission flush before you hit the 60k mark.


    Share Your Tips To Avoid Automotive Scams

    Have you ever come across a common enough automotive scam? Unfortunately, not everybody knows enough about cars to know when they’re being taken for a ride (pun intended).
    - See more at: 4 Car Repair Scams to Avoid
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  6. #56
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    Re: Cut and paste snippets about scams.

    I cut this from someone on my timeline at Facebook, clearly a scam.

    SCAMMER skype.claimsmanager@live.com

    Any Number like +44 followed by (70) you are being scammed. 70 is a forwarding code to Scamvillage, Parts Unknown.

    have got request on skype.i think is scammer. scammer are trying different things.[18:22:00] SKYPE AWARD TEAM 2013!: SKYPE LOTTERY PROMO 2013!
    This is to officially inform you that your user name on
    (SKYPE CYPRUS) has currently won you the sum of
    1,000.000.00 Great British Pounds (One Million GBP)
    on our out going lottery promo and as part of your member patronage to our site

    For more enquiries:
    Contact: Mr. Ahmad Hassan,
    Email :{skype.claimsmanager@live.com}
    phone: +44-703-592-0191
    Congratulations once again from
    all members and staff of SKYPE.
    Powered by Skype Inc.
    2013 Skype.™
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  7. #57
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    Re: Cut and paste snippets about scams.

    SCAMMER appleclaim@outlook.com
    This again from my Facebook timeline.

    appleclaim.JPG
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  8. #58
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    Re: Cut and paste snippets about scams.

    SCAMMER maigaamhed@yahoo.com

    This dummy is back. If anyone wants to bait a scammer, using a fake email address of course. This is the guy.

    Dear Friend
    (confidential)
    I am Mr Ahmed Maiga working with INTERNATIONAL BANK OF AFRICA (IBA/BOA)Mali Bamako. I want to inquire from you if you can handle this transaction for mutual benefits/life opportunity for you and me. The transaction is about seeking your consent to present you as the Next of kin/ beneficiary To our late customer over his fund US$10.7Million dollars.
    He died with his family during their vacation journey. I am waiting for your response for more details. The fund is going to be share at the ratio of 60/40.40% for you and 60% for i and my family, which we are going to use for investment.and 10% for outstanding expenses.if you are ready contact me back Via my private email address maigaamhed@yahoo.com
    Mr Ahmed Maiga,

    ahmedmaiga ike watching firm, listening to music, profile, free online dating, d

    419.JPG

    Which is actually a picture of Gbenga Daniel - Wikipedia, the free encyclopedia
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  9. #59
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    Re: Cut and paste snippets about scams.

    I have always loved looking at this stuff, but have also found the seminars can be had for pennies on the dollar if you buy them used on Ebay, Amazon, in thrift shops etc. On a rare occasion I have bought seminar packages that have never been opened.

    Meet Armando Montelongo: The Home-Flipping Huckster Who'll Make $50M This Year
    This story appears in the July 15, 2013 issue of Forbes. Meet Armando Montelongo: The Home-Flipping Huckster Who'll Make $50M This Year - Forbes

    It’s nearly midnight, and the energy is slipping from the 400 people inside an auditorium done up like a Spanish mission in Riverside, Calif. Despite hours of yelling, dancing, massaging and hugging his way through the first of a three-day wealthfest, Armando Montelongo, the 42-year-old minister of get-rich-quickdom, real estate edition, senses the lull. He bounds up the stage to lead a rendition of “YMCA,” but not before remarking to me, “It’s a little more f—ed up than you thought, right?”

    Yes, it is. Armando Montelongo Seminars offers long weekends of questionable advice, raucous showmanship and tours of foreclosed homes in some of America’s poorest sections. His secret formula: Go deeply into debt to buy distressed properties, fix them up minimally and sell them quickly. “People throw money at me to become multimillionaires,” Montelongo, a large, stocky guy with shoulder-length black hair, tells the crowd. “This is the means to your end.”

    "The most sought-after real estate expert in the world!": Armando Montelongo has created a cult of self.

    No guarantee that end will terminate in six zeroes. Montelongo, the onetime star of A&E’s Flip This House, offers scant proof the formula has turned his “students” into plutocrats. Asked to provide successful seminar alums, Montelongo serves up two–neither has made millions. Billy Godsey declines to detail his finances. Jake Leicht claims he’s made about $180,000 in 16 months buying 18 homes.

    The one certain multimillionaire to emerge from Montelongo’s seminars? Montelongo himself. His formula is simple: First, expose people to his system through a 90-minute free seminar. Then funnel them into a second (cost: $1,497 per couple) and, finally, a third: a three-day extravaganza like the one I attended that runs $40,000 for two. Montelongo claims his San Antonio, Tex. company will rake in an estimated $100 million in revenue this year from 350,000 people attending one of 3,580 events. That’s up from 57,000 folks at 120 seminars, generating $12 million in sales in 2009, its first year of business. If Montelongo’s numbers are accurate, and his margins are typical for this kind of thing, then he will personally pocket $50 million this year (he owns 100% of the enterprise). By that same yardstick his business is ostensibly worth $80 million. Add that to cash and traceable real estate (discounted 65% for debt) and Montelongo has somehow built a fortune of $200 million or so from telling others to borrow and speculate.

    Who is this guy? You get the official picture watching old episodes of Flip This House and Montelongo’s 28-minute infomercial (“The most sought-out real estate expert in the world!”) or reading parts of his book, Flip and Grow Rich (a play on Napoleon Hill’s motivational classic, Think and Grow Rich). The self-created narrative is that he grew up in San Antonio and that at the age of 16 his father’s construction business went poof in the real estate bust.

    The biopic always cuts to 15 years later, when Armando is married with a young son but suffering hard times–foreclosed on, relying on food stamps and living in the garage of his in-laws. That year a mold scare in Texas depressed home values…and helped give Montelongo an idea: start buying (and selling) distressed properties. He borrowed $1,000 from his dad and never glanced back. Three years later–presto!–he was a multimillionaire.

    You get another view by following a long trail of complaints. Two years ago the Texas attorney general’s office launched an investigation into the seminar’s practices. Settling the case without admitting any wrongdoing, Montelongo agreed, among other things, to refrain from any “false” claims, to give “conspicuous notice” that the free seminar is a vehicle to sell goods and services (CDs, books and DVDs), and to provide prompt refunds. Montelongo shrugs it off: “If you don’t want to be criticized, then don’t do anything great with your life.”

    The seminar company rates an F from the Better Business Bureau. “You don’t get anything substantive,” complains Lori Jakubowski, a Realtor from near Pebble Beach, Calif., who paid $1,500 for two sessions. “There were a lot of people who were unemployed just looking for some easy way to make money. And I felt like an idiot because I was right in there with them.” Of the 150-plus complaints received in the last three years, most grumble about the product, misleading advertising and slow-to-nonexistent refunds. “In 2010 and 2011 they just ignored the complaints,” says Carrie Hurt, CEO of the BBB’s branch in Austin, Tex. “Now they’ve started responding.” Sometimes with a smirk. Says Andy Moon, Montelongo’s corporate attorney: “You know the BBB is based in Austin, which is very liberal and in the consumer protection capital of the world.”

    No alum is currently suing. Perhaps that’s because of the exacting terms of the contract, which each seminar attendee must sign. It absolves Montelongo and his staff of liability for any “financial, investment, legal, accounting or other professional services or advice” they offer. “It is your sole responsibility to seek independent advice from professionals of your choosing.” No financial advisor could get away with that. “They can’t attempt to disclaim liability for their advice,” says Mark Astarita, a securities and corporate attorney in Verona, N.J. “They need to stand by their advice. That’s what they’re paid for.”

    So what are customers paying for? Exposure to Montelongo (though he seldom attends seminars) and his formula for success: how to find foreclosed properties, finance and rehab them, how and when to sell them. Or so it’s billed. Over three grueling days you get some practical advice–much of which can be found in Flip and Grow Rich (used copies recently sold for as little as 25 cents on Amazon.com) or Flipping Houses for Dummies ($8). (“Books are a starting point,” says his spokeswoman.) The key is Montelongo’s 65% rule, which determines what to pay for a wreck and still expect a profit. In his example a house worth $100,000, after repairs of $20,000, should cost you no more than $45,000. Take good notes at the speed of a stenographer, because there are no handouts–and no scheduled breaks. You may lose out on a tip if you go to the bathroom.

    “Do you know what numbers they’re talking about?” Mary, an Air Force widow, asks me. Frances and her husband, an elderly Las Vegas couple, have trouble hearing over the noise during a quiz on housing prices and move closer to a staffer in a strained effort to read his lips.

    There is plenty of noise over the three days–loud music, along with fist bumps from staffers and so-called millionaire hugs. “There’s a direct correlation between how much you respond to Armando when he tells you to get crazy and how much money you’ll make from the program,” says Jordan Odiorne, the company’s COO–and Montelongo’s nephew. The exact connection remains a mystery.
    In fact, over the three days the crowd gets Montelongo for, maybe, 60% of the time on this tour. Volunteers–Armando groupies–lead the house tours. Most are seminar alums who now fancy themselves real estate investors. They take 50 or so people into depressing fixer-uppers, four a day.

    Places like the four-bedroom, two-bathroom ranch house with a broken picket fence in Highland, Calif. Brown grass crunches underfoot; eerie gray splotches stain the blue clapboard. Step inside to see fist-size holes pocking the walls. Across the kitchen and living room, the former owner spray-painted profane messages to his ex-wife. The home is listed at $141,000.

    Entourage members Raul Mateos and Mark Perez work through the rooms, hustling everyone forward. They suggest making quick guesstimates of repairs and pass over details. What’s covering that window? “I have no idea, man,” says Mateos. “Just patch it up.” How to make the floors more attractive? “Ask your Realtor what’s common with your area,” Perez advises.

    Among the most practical tips: Rehab roofs and walls as needed; fix any distressed wiring or heating and water problems; focus your limited budget on the bathrooms, kitchen and bedrooms; replace broken toilets and appliances but not the fridge; use beige paint for walls. “If you’re in a highly Hispanic neighborhood and there are plastic flamingos in the yard, leave them,” says Montelongo. “You can buy a house in a war zone if you know the house across the street moved fast”–within 90 days.

    Some advice is treacherous. Kurt “The Shirt” Weinrich, who once ran food operations for a casino company and is now a money manager, advises opening self-directed IRAs and filling them with real estate for an easy 28% annual return. “Have we seen 50%? Yes. 100%? Yes. We had one student roll over a $100,000 account into a self-directed IRA last year, and now that account is at $1.2 million.”

    Complex and risky, self-directed IRAs often involve alternative investments like commodities or tax liens. They’re managed by the account holders; custodians hold the account and execute investment decisions but offer no investment advice. The SEC issued a warning on them in 2011, noting they frequently expose investors to scams. Tax rules force lockups for decades–allowing unscrupulous operators long stretches of unsupervised mischief.

    More questionable advice from Montelongo: Go into debt as deeply as possible to maximize returns, directly contradicting the counsel he offers in his infomercial and common sense. Ask the several million overleveraged real estate dabblers who went bankrupt after the real estate bubble last began bursting five years ago. (“Our method minimizes any risk during all cycles,” insists his flack, adding that FORBES is oversimplifying the approach by not fully explaining the rehab and financing processes.)

    Worse, Montelongo suggests using hard money lenders, private financiers who typically charge 10% to 16% interest rates. (Banks rarely lend on foreclosed properties.) “It’s very dangerous for an amateur,” says Mike Orr, director of Arizona State’s Center for Real Estate Theory & Practice. “You need to know exactly what you’re doing and repay quickly” to make a profit. But fixer-uppers can’t always be flipped in 90 days. Still, seminar attendees are intrigued. When one asks how to find a financing source, Montelongo shoots back, “There’s this little company called Google–you type in ‘hard money lenders, California.’?”

    What do attendees make of all this? Some, like Jeanette, a mother from Houston, are sanguine. “I know that when I make my first bid, it will go through,” she says. Several people complain. “Brainwashing,” sums up Tony, who patrolled the Cambodian jungle while in the Army and the streets of Newark, N.J. as a cop before retiring to Tampa, Fla. “Really brought me back to my military days.”

    Montelongo has a polished answer for his critics: “We have 300,000 people a year coming through our events and less than a couple hundred complaints. Walt Disney in his greatest day would not have dreamt of customer service like that.” Spoken like someone well versed in the history of selling fantasies.

    Reach Abram Brown at abrown@forbes.com.
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

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    Re: Cut and paste snippets about scams.

    SCAMMER barristerjefferyappaihh@gmail.com

    Not very convincing - FW: Attn: Sir/Madam

    Typical phishing scam but not even a very good one.........


    Attn: Sir/Madam

    I am Barrister Jeffery Appiah the personal resident Attorney here in Ghana Accra to Late Hero Muammar Gaddafi from Libya. Late African Hero Muammar Gaddafi died along with his son who supposes to be his next of kin during Libya political war. My client was having the sum of thirty million four Hundred thousand united state dollars and fifty seven kilogram of Gold ($30.4m USD) with a security Company In Ghana. I want you stand as a foreign beneficiary to assist moving this cash and Gold out of Ghana to your country whereby you will be able to invest it in any lucrative investments of your choice that you think it will be more profitable for our benefits as a deal if you are interested I advice you reply as soon as possible. (barristerjefferyappaih@gmail.com) and call me on my direct line for confirmation (+233545446996) thanks in anticipation of your responds.

    Your Sincerely,
    Barrister.Jeffery Appiah (Esq,
    ---------------------------------------------------------------------
    SCAMMER beninmoneygramoffice@kimo.com
    FW: Barrister Mrs.Lizzy Benson
    Another scam.........

    Hello dear how are doing today am here to inform you that we have deposited
    your $ 2.5M USD to the Money Gram Office for them to transfer you $5,000.00
    USD
    to
    you daily until you receive your $2.5M USD of the fund.

    Please contact the Money Gram agent for your payment.
    Contact person: Dr Douglas Walker
    Email:(beninmoneygramoffice@kimo.com)
    Telephone: +229-68037099

    Give them all your information such as:
    Beneficiary name=================== Address========================== Telephone=================

    Noted That Only Fee Request from You Is for Reactivation Transfer Files Sum
    Of
    $68 Only, No More Fee again after that.

    Regards
    Barrstar Mrs.Lizzy Benson

    Both from: latestscamemails.blogspot.com
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

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    Re: Cut and paste snippets about scams.

    Beware Clickjacking Scams Posing as Adobe Flash Player Beware Clickjacking Scams Posing as Adobe Flash Player | Facecrooks.com | How to Avoid Facebook Scams

    July 6, 2013

    in Scam Watch

    magglassSecurity researchers at Avast, an antivirus company, have found a link that has been spreading rapidly on Facebook and Twitter that prompts users to download malware that looks like Adobe Flash Player technology. Once users download the fake Adobe software, the scammers can take control of a user’s profile, posting to their feed, liking pages or becoming a fan.

    The hack works by installing a fake extension to a user’s Google Chrome or Firefox browsers, making the download appear legit. While the attacks have only been tracked in Turkey so far, but experts at Avast warned that other cybercriminals could soon copy the techniques of the clickjacking attack.

    Clickjacking scams like this one are all too common on social media, where users are more likely to trust links posted by their friends. However, avoiding these scams ultimately comes down to common sense. Before clicking on any link, and especially before downloading any software, examine the content of what you’re about to download carefully. If it doesn’t look or feel right, or if it doesn’t seem like something that your friends would post, then don’t click. While hackers exploit users’ inherent trust of their friends, looking at shared content with a more discerning eye can easily prevent you from falling prey to cons like this one.

    If you have been hit by this or similar scams, then use this guide to remove the rogue browser extension:

    How to protect your Facebook account from Rogue Browser Extensions
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

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    Re: Cut and paste snippets about scams.

    Boone Police Department Alerts Citizens To ‘Nigerian Check Scam’ on Craigslist After Local Reports Fraud Boone Police Department Alerts Citizens To ‘Nigerian Check Scam’ on Craigslist After Local Reports Fraud | High Country Press

    June 18, 2013. On Friday, the Boone Police Department received a report of fraud from a Boone resident. The man was the victim of a check scam in which he was contacted online in response to his Craigslist advertisement. The suspect purchased the item listed for sale but did so with a check, which was in an amount greater than the purchase price of the item. The check was received by the victim with instructions for distributing the remaining amount to 3 different locations via Western Union. Two of the locations were in the United States and one was in Nigeria. The victim in this case was subsequently contacted by his bank and was informed that the checks were worthless. Often financial institutions will hold you responsible for money lost as a result of a scam

    This type of fraud is commonly referred to as a “Nigerian check scam”. The Boone Police Department would like to make the public aware of some indicators to look for to prevent being a victim. These individuals use email, postal mail, and telephones to contact potential victims.

    Avoid responding if any of the following are present:

    Any correspondence which offers you money but requests that you pay a fee first.
    Any correspondence that offers you a check and requests that you take a percentage and then use Western Union to send the remaining money somewhere else. The use of Western Union is common in these scams and should be a red flag.
    Any prize winnings from contests that you did not participate in and that request you pay postage and handling, other charges, or request banking information such as an account number in advance.
    If the person contacting you advises you against speaking with your bank, attorney, or contacting the company they say they represent before fulfilling their request.
    If the contact is requesting that you assist them in getting money out of their country.
    If the contact is telling you that you are receiving an inheritance from someone you don’t know.

    If it sounds too good to be true, it probably is. Any promises of large sums of money in any context by unknown people online, through mail, by phone, or otherwise should be carefully scrutinized.
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

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    Re: Cut and paste snippets about scams.

    Found a cool page on scams going on in Malaysia https://www.facebook.com/pages/Malay...55435061219434

    1) The Cafe Scams - Island Red Cafe & Stevens Corner(strange, both in Pandan Indah) - Island Red Cafe collects members RM6,000 each and promised 5% return every month and even give you a name in the ROC as a shareholder but what's the point when they run away ? Stevens Corner, the famous indian coffee shop follows due to drop of business since their renovation. They collect RM3,000 per member and promise return of RM150 monthly and plans to open nice fanchisee cafe called StevensTeaGarden. Someone mentioned they will make you sign an agreement that give them the rights NOT to pay you anything in future. If you really wish to join, ask for a copy of their agreement and consult your lawyer BEFORE paying them. Bet you will NOT get a copy. Both collect monies from new members with MLM recruitment schemes and pay the old members like Sunshine Empire. You never know when they will run away.

    2) Sunshine Empire - This licensed and legal Company has an impressive office at the ground level of KUB building along Jalan Yap Kwan Seng, near Menara Public Bank and AmBank Building. They also have a showroom office at the ground level in the next building. 2 or 3 months ago, Singapore's Straits Times and The Paper published big news reminding their people to be careful and NOT to believe in them. Hope someone can put up the link or google for it.(As expected, they STOPPED paying back members now and all investors LOST their money).

    Someone below has put a link to the Singapore news. In fact there are more to it. Although Singapore is investigating them, they did not stop their business as the business is legal and so far, no Singaporean have failed to receive their commissions as promised. Thus, the government cannot stop them yet.

    The news published that the founder, director and group president is someone named James Phang but he is NOT the owner. Isn't this quite strange ? At the end of the game, James Phang can just disappear from the Company easily and claimed that he was just "employed". Such trick always happened in scam businesses.

    Now, the Company has STOPPED paying commissions and interests to members with the excuse that the Singapore government has freezed their bank account while under investigation. Do you think their boss will be so stupid to keep much monies in the bank to be freezed ? They are all transfered away. It's just an excuses not to pay back to members and members are only paid "e-bonus-points" which is cashless. If they wish to convert to cash, they have to recruit new members to pay them cash and the recruiter less out trom the amount. So victims act like Vampires and "forced" to victimise other victims if they wish to get their monies back. And their victims will later transform to vampires and the scam carries on.....

    3) MOBILWALLET - This Company owned by 2 young men, Stanley & Rey Gan, office in Queens Avenue Park has collect multi-millions the last 2 years. Claimed that they tied up with Telekoms, Utility Board payment like Water & Electricity bills, even Maybank got fooled by them. Advertisement Billboards everywhere. They STOPPED paying back their members few months ago and the members cannot do anything because they are made to sign an agreement unaware that they have to claims if the company stopped paying them by CHANGING terms and policies.

    4) Water businesses - Oxygenated and alkaline water products - Some of these are bottled water and some are filters or equipment that claimed the trick. One of the better known Company that sold "oxygen" water is SITO(supposed to stand for Selangor International Trading Organiszation and claimed Selangor State Government owned some share in it). The key person and founder is a Dato Robert Ong from Rawang but his name is no longer in the business now. Their products are sold for RM2 to RM3 for a 350ml bottle and now concentrating mostly in the Indian market. Their Chinese and Malays market are long gone since a year or 2 ago. Their customers are made to believe that their water has more oxygen and able to give miraculous effects for the body. Water is H2O, how to put more O into it ? Anyone knows how much oxygen do we breathe into our body everyday at FOC ? Latest news is that this SITO Company is going to create new label to market under a new Company since the SITO name has already gone bad. Someone informed that this Company is owing alot of money(due to refunds) to ex-stockists but just refuse to pay them.
    (Latest news, SITO shifted to another place and their MLM business has closed but planning to start again with a different name, beware !!)
    Alkaline Products - Can anyone explain how it can work for the body ? The stomach's gastric liquid is so acidic that water of any pH that goes through it will not make any difference.

    5) Car Fuel Booster - K-Link, the famous scam MLM Company that sold the footpatch TAKARA, later the "cock-ring" and energy-card launched the patrol-saving pills last year. Got so hot that even grocery shops are selling for them. Recently many of these cars that used the pills are rushing to the workshops to clean the residual. Few months ago, another MLM Company launched a fuel booster gadget, claimed that saves up to 20% fuel, that is attached to the cigarette lighter. Started off well using binary plan but businese begin to fade now and most users find it NOT effective.

    6) Perfumery Products(eg. Lampe Berger & Bel Air)(more details later). Lampe Berger is not so hot now in the neighbouring countries but there are still new victims every month in Malaysia. Must thanks to those who have contributed and kept the thread alive here in Kopitiam. Bel-Air have closed in Malaysia. LB is almost zero in Singapore. This perfumery product from France with over 100 years history are just bottles and fragrances(check the factory's website) but the Company marketing them in Asia claimed "aromatheraphy" products. Hong Kong TVB aired a program that exposed their scam but their members claimed that HK's TVB already apologised to them(no evidence, of course). Note that the biggest strenght in a MLM Scam is their members will go all the way to lie in order to defend for their Company. The reason is simple; these members fear that they will not be able to make their money back if the Company collapsed. Knowing that the Lampe Berger products are moving slow, they add a line of skincare products named Estebel, also claime to have over 100 years history in France.(Hardly anymore Chinese newcomers, they are now tapping the Malays in Malaysia). Mostly only Bumis active members now but their top earner Steven Yeam have already left and started a new MLM Company(see No. 21 below).

    LINK REMOVED.

    7) Energy Products(eg. stone pendants, bracelets, mattress and pillows). They use all sorts of gimmicks and demonstration to make you into believing them. They will do some tricks and demo to prove that these products really produce energy BUT is there any tricks in their demo ? So what if there really produce energy; is it good or strong enough to help the body ? Are those simple products made of some simple materials worth RM300 to up to RM3000 each ? The effect is actually PLACEBO which I will elaborate in a new thread soon.(more details later)
    Hi-Tech products(names like bio-tech, nano-tech that claimed millions of dollars of research involved, eg Bio-Young and XKL few years ago). Most of these will claimed a professor behind them(even with name and picture of a person) or used words like "U.S.A. formula", "German Technology" or "Nanotechnology" but with no further details. If you ask for more details like the professor or factory's address, the answer will be "trade secrets".

    9) Investment Schemes - SWISSCASH is the King of all. Swisscash is nearly over now but there are many similar and smaller ones that are still on.(Now, it's closed or stopped paying back members)

    10) GoldQuest - This Company that claimed to be HK-based started with some non-value gold-plated coins that are sold for over RM2,000 have several names and changed products several times. QuestVacation, QuestNet, etc. They have several offices in Amcorp Mall, PJ and their key person(in fact, the owner), a Malaysian Indian was arrested last year in Indonesia for having involved in a very big Phillipines scam. Most of their overseas offices are closed or inactive but their Malaysia business is still hot, with some "energy" products.(Can someone please provide a link which showed the news that their boss was involved in a big scam in Philippines and was arrested last year ?)

    11) Numerology & Fortune telling - A Company named Visiber is using MLM to sell fortune telling classes using your birthday based on Numerology fortune telling. Prpspects will be told that they need to buy a certain "number" between 1 to 9 in the form of pendants or bracelets made of silver with stainless steel or platinum plated, and sold from RM600 to RM20,000. Customers, or rather victims are mostly females from rural areas. Very hot in Penang now and a number of spin-off Companies have started.

    12) MJ-Life - This Company boost of a very big background with many many years of history which is NOT true. Their people or associates may be long in business but nothing to do with their MLM launched recently. Why do I consider it a scam or bad ? New members are told to pay a sum of money(up to RM1000) and you get NOTHING for it. You only get a membership can entitle you to enjoy all sorts of special price and discounts when you have medical check-ups in their centres. They will claim all those check-ups cost more if done elsewhere. It's not true. Only the naive and those new to medical check-ups will fall victims to them. Most members who paid the money ended up with nothing.

    13) Seaweed Venture Scams - 1 such Company is located in Taman Maluri, Cheras. They will ask you to invest a few thousands ringgits for their venture of growing seaweeds in East Malaysia and you are guaranteed returns. To gain your confidence further, they will tell you your investment money is secured by "insurance" or "unit trusts" & "trustees". When you ask for further documents to prove, they will give all sorts of excuses or just ignore you because they know they cannot get you. These Seaweed scam is one of the hottest now, warn all your friends about it before they are victimised.

    14) MXM(previously MGM) - This is a master scam owned by a Dato Kam(Pathlab) tapping the younger group, very successful 2 or 3 years ago but since they moved to their big 10-storey office at Phileo Damansara and changed name to MXM, their business dropped. They collect members RM3,000 to RM4,000 with credit card monthly easy payment and in return you get a hospital benefits insurance from Pacific Insurance worth only a few hundred RMs together with some you-don't-need medical check-ups from their associate Company Pathlab. Also talk about fitness, lifestyles bullshit that is all worthless.

    15) Gano Excel/I-Touch Life/GEW2u - This company from the north, a copycat of DXN selling Lingzhi capsules created a new Company called Gano iTouch to cash-in on the internet like e-Cosway after their Company went down the drain since the last 2 years, selling Linzhi and some no-value energy pendants and alkaline water gadgets. They provide free transport every weekend from KL to visit their Alor Star office. It did not work well and recently in mid-2009 changed name to GEW.

    16) NuLife(HK) - This Company started by some HK people has been in Malaysia for more than 10 years but they have flopped in HK and Malaysia due to bad management and a product scam making use of a prosecuted American named Dr Jeffrey Bland, found guilty of false products claim. Since this case in the US leaked out and many Malaysians found out that the real boss in HK is a Steven Tang(he cheated many Malaysians in another scheme about 20 years ago) their business went down all the way. Now they claim Malaysian partners cheated them and start a new Company in Malaysia. Watch out, this new Company will come out with some investment scheme idea that will get many to lose their money.

    17) Arowana Fish Breeding, Oora from Germany, Biofuel(Kompleks Maluri) etc - These are some newer scams. Arowana fish venture ask you to invest some money and give you fixed return. Biofuel will tell you their Indonesia connections(just like Sunshine Empire before using Taiwan) & Oora from Germany(I never trust those cruel Germans) that market some bio-chips and a gadget that claims to give energy and therapeutic effects of accupunture, tai-chi, yoga, etc depending how you set the toy-like gadget, wear it on your body and you get the effect later. They could not explain or provide any demonstration to prove their effectiveness. Only doctors and papers claim that I will never trust. The health effect is actually PLACEBO, which I will elaborate in a different thread.

    18) Easy-Pharmax !! - How could I missed this out earlier. I thought I mentioned this until I got e-mails asking me about it. This is easily in the TOP 3 during the last 2 years. Owned by a Dato Yeap(another Dato !!) Members are tricked to invest up to RM40,000 with the false promise that the Company will use e-commerce and online selling to dispose their goods and recover their monies. It won't happen, of course.

    19) Gold Investment Scheme - This is an old trick but back again by several Companies promising a GURANTEE FIXED RETURN income like many other schemes. Try to ask for a copy of their fixed return agreement and consult your lawyer. Common sense tell you any business that promises a fixed return to UNLIMITED numbers of investors, higher than bank interests must be a scam.

    20) Score-A or Skor-A: This Company sells you an online program of past Malaysian examinations papers for primary and secondary school students for self-testing for up to a few hundred RMs per membership. It actually cost them nothing. Members are told to invest in a few units, again using MLM with the promise of getting rich. The same program can be purchased from Utusan for just a fraction of their price and you can get better programs.

    21) NEW SCAMS :

    a) GRI(Global Royal International) - The boss behind this scheme is multi-billionaire James Pang(the big scammer waiting for trial in Singapore because of Sunshine Empire). Before Sunshine Empire, he operated NOP and SwissCash. This time, he is using a lot of representatives and MLM leaders since his passport is held by Singapore government and he cannot come to Malaysia. I am told that anyone who is bold enough to call himself a MLM leader in Malaysia can visit his rep in Malaysia or Singapre and they will be given at least RM5,000 as some expenses subdsidy if you are willing to market for them.

    b) One Community Worldwide - Tapping a mostly Bumi market and owned by Steven Yeam(SYN) and Willie Lim of Lampe Berger previously(the Chinese no longer trust them). They are selling a negative ion mattress for RM25,000 !! The same modal, I have seen before for RM2000 from Korea. If you cannot afford RM25K ??? You can buy therapy package for RM300. Don't believe in such product ? You can go for some chlorostrum(virgin cow's milk from nowhere)

    c) English-Learning Program Online - ESL(an online English learning program) You are asked to pay RM100 for one or 2 years usage of online learning. Started by a Malaysian Indian man by the name of Dr. Edward, this program has changed names at least 2 or 3 times since the last one year due to poor response and a lot of "technical problems". I consider it a scam because you are paying money for nothing tangible to direct-selling company through MLM and their program has been very "unstable" as my source put it.
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

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    Re: Cut and paste snippets about scams.

    Tragedies, always exploited by scumbags either setting up fake charities or trying to steal from real ones.

    Boston conman arrested Boston conman arrested - World News | IOL News | IOL.co.za

    July 3 2013 at 10:29am


    Boston Marathon Fake Claim

    Associated Press

    Branden Mattier is seen in this undated image provided by the Office of the Massachusetts Attorney General.

    Boston - Police arrested a man on Tuesday amid allegations that he used the name of an aunt who had been dead for more than a decade to try to claim about $2.2-million from the Boston Marathon bomb victims fund, prosecutors said.

    The Massachusetts Attorney General's office said Boston man Branden Mattier, 22, told the fund's administrators that his aunt lost both of her legs in the attack on April 15 when two improvised pressure cooker bombs exploded at the finish line, killing three people and injuring 264 others.

    But the aunt had been dead for more than a decade and Mattier was arrested at his home in Boston when an undercover police officer presented him with a fake cheque for $2.195-million, prosecutors said.

    “He sought to take these funds away from real victims of the Marathon attack and from the thousands of people who had so generously given to help those who truly need it,” Attorney General Martha Coakley said in a statement.

    Mattier is being charged with attempted larceny, the prosecutor said. Mattier was not immediately available to comment.

    The marathon bombing victims fund, called The One Fund, was established by Boston Mayor Thomas Menino and Massachusetts Governor Deval Patrick. It has so far brought in more than $60-million in donations, according to its website.

    The fund is being managed by Kenneth Feinberg, an arbitration attorney who also oversaw compensation for victims of the September 11, 2001, attacks and the theatre shootings in Aurora, Colorado.

    Two ethnic Chechen brothers were identified by the FBI as suspects in the marathon bombing.

    The younger of the two, 19-year-old Dzhokhar Tsarnaev, is being held after being indicted by a grand jury on charges that would carry the death penalty if he were convicted. His older brother, 26-year-old Tamerlan Tsarnaev, died in a shootout with police days after the bombing. - Reuters
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

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    Re: Cut and paste snippets about scams.

    There are some good videos on this link about protecting yourself. Mortgage Modification Scam Crackdown : CONSUMERMOJO.COM

    These scammers prey on people in trouble. We run into them over and over and it’s always the same. They promise to help homeowners who are behind on their mortgages get out from under and modify their mortgages. Instead, they take money, offer little or nothing, and homeowners are left deep in debt and in serious jeopardy of losing their properties. 0

    The Federal Trade Commission (FTC) went after a group of individuals and companies operating out of Nevada and California. It asked a Federal District Court in Santa Ana, California to stop them from allegedly deceiving homeowners. The FTC says the group advertised on the Internet, TV and radio and falsely claimed it would provide legal help to “save consumers’ homes from foreclosure and lower their mortgage payments.” It charged illegal upfront fees of $2,000 to $4,000. 0

    A temporary restraining order shuts the operation and freezes the defendants’ assetss. The FTC says, “Three individuals – Ratan Baid, Madhulika Baid, and William D. Goodrich – and seven companies falsely promised lower monthly payments and interest rates, and conversion of adjustable-rate mortgages to fixed ones. Apparently, many consumers who called toll-free numbers were falsely guaranteed a loan modification that supposedly would make their payments more affordable, that they would get results within 60 to 90 days, or that Goodrich, an attorney, would use his impressive legal experience on their behalf.” 0

    While the case works its way through the courts, the people named in the complaint are barred from collecting advance fees for mortgage modifications.

    WATCH CONSUMERMOJO.COM’S VIDEO: What Do I Do About Foreclosure and download the free guide.

    WATCH CONSUMERMOJO.COM’S VIDEO: 4 Tips to Avoid Mortgage Modification Scams and download the free guide.
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

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    Re: Cut and paste snippets about scams.

    SCAMMER facebookclaimsdeptt118@live.com

    NOT from facebook - FW: CONGRATULATIONS FROM FACEBOOK TEAM
    NOT From Facebook........ Don't click the link or open the attached page....

    FACEBOOK ONLINE INTERNATIONAL LOTTERY
    FROM: THE DESK OF THE PRESIDENT.
    INTERNATIONAL PROMOTIONS/PRIZE AWARD.
    BATCH NUMBER: FB-0281/544
    SERIAL NUMBER: 99352748-2013
    TICKET NUMBER: FB-172-60
    CATEGORY: 2ND

    The Entire Facebook Team are very happy to inform you that your name appear
    on the FACEBOOK ONLINE INTERNATIONAL LOTTERY and we are giving out the total
    sum of US$950,000.00 (Nine HUNDRED AND FIFTY THOUSAND UNITED STATE DOLLARS)
    which is what you have just won.

    Your name was selected in a raffle that was made for the FACEBOOK ONLINE
    INTERNATIONAL LOTTERY for the year 2013 with the lucky number (FB-225-7736)
    so we need your fast response so that we can proceed with the claim process
    of your winnings.

    Your name was selected by Mr Mark Zuckerberg the CEO of Facebook (Founder &
    amp Chief Executive Officer ). The promotion was made to make all facebook
    users to benefit from the profit the company made while they use facebook.

    Facebook is the first and ever largest means of meeting both old and new
    friends.

    The promo was done to serve as a means of appreciation to visitors on our
    site and also to help people to fight off poverty and to maintain a good
    standard of living.

    Kindly contact Mr. Thomas Charlse the General secretary of the FACEBOOK TEAM
    and appointed as your claims officer via this email
    (facebookclaimsdeptt118@live.com) immediately with the following information
    about you below:

    Full Name:
    Residential Address:
    Private Mobile Number:
    Age:
    Occupation:
    Marital Status:
    Sex:
    City:
    State:
    Country:
    Zip/Postal Code:

    As soon as he gets your email with all the information stated above he will
    tell you on what next to do as regards the claiming and receiving of your
    winnings of US$950,000.00.

    Thank you and More Congratulations.

    Agent Name: Thomas Charlse for CDAA

    Get some Zero paid Gear FBI SCAM PROTECTED

    Note: For security reasons and due to the mix-up of some numbers and names,
    we ask that you keep this notification strictly from public notice until
    your claim has been processed and your money remitted. This is part of our
    security protocol to avoid double claiming or unscrupulous acts by
    non-participants of this program. BE WARNED"

    ========================================

    SCAMMER uk_lottery@zing.vn

    Tuesday, July 9, 2013
    Response Needed
    Mr. Emerson Alexander
    Regent's Park NW1 4SA South Africa
    Tel: +27787840719
    Email: uk_lottery@zing.vn
    Good Day

    I am Mr. Emerson Alexander; i work with European Planet Lottery UK as African payment representative for 6years. I am originally from Sierra Leone but resident right now in South Africa. i am writing this mail to you based on the information that i find in the internet on how property business is moving well in your country. As an Africa payment representative for European Planet Lottery Inc, i am in charge of some payment to some Africa people that won lottery but where not able to claim their payment because their email addresses where change or not valid any more. After several attempt to contact them for their payment all effort failed. For the past 2 years i have been sitting with 6 unclaimed payment files amount to the tone of GBP7 Million Pounds. Now i have concluded a smooth arrangement to move this money out of this company to you by wire transfer or through diplomatic means. i am ready to share this money with you 60/40 that is 40% for you and 60% for me because I will arrange all the necessary documents for the smooth release of this to you, please note that there is no risk involved in your side because this money is clean and clear fund without any criminal record . Please get back to me as soon as possible with the below personal details so that i can conclude the arrangement, we can get this money out to you within 4 days because i have finish the important paper work already before sending this email to you. I will be coming to your country as soon as you are in position of this fund for investment, please try your best to keep this transaction confidential.

    Full Name:
    Full Address:
    Telephone Number:
    Mobile Number:
    Age:
    Occupation:
    You’re Email:
    Country of Origin:
    Sex:

    Kindly reply with above details.
    Thanks and God bless you
    Mr. Emerson Alexander

    Name : Mr. Emerson Alexander
    E-mail : lottery_uk@zing.vn,EeAa74@poppy.ocn.ne.jp

    ========================================

    SCAMMER: MRSNARIILOPEZ4CHARITY@aol.com

    Tuesday, July 9, 2013
    MRS NARII LOPEZ USE THIS FUNDS FOR CHARITY WORKS
    Dearly Beloved in Christ,

    Calvary greetings in the name of our Lord Jesus Christ, I am Mrs. Narii Lopez, I am a nationality of Argentina, I grew up in Hong Kong and I am also presently hospitalized due to my illness. Presently, I'm with my laptop in this Hospital, where I have been undergoing treatment of cancer for over one year. My husband was once the Managing Director of Shell Oil Company in Hong Kong, where I and my husband spent most of our lives I am a widow to Late Mr. Mark Thomson Lopez.

    I have served the Lord all through my life, from long time cancer of the breast to a very critical stroke. From all indications, my condition is serious and is quite obvious that I may not live more than six weeks, because the cancer stage has gotten to a very severe state and my doctor has told me this. The one that disturbs me most is the stroke that paralyzed half of my body. My late husband was killed during his reign as the Managing Director of Shell Oil Company in Hong Kong, and during the period of our marriage we had a son who was also killed along with his father through food poison in Shell Oil Company convention of 2009 in Hong Kong.

    My late husband was very wealthy and after his death, I inherited all His business and wealth. Presently my doctor told me that I may not live for more than six months, though I am not scared about this, I am not afraid of death, hence I will be in the bosom of the Lord forever any time my God calls me home. I now decided to look for an organization or an individual who is God fearing, that will use the funds for charity organization, by contributing to the development of evangelism in the world, assisting motherless babes homes and cancer patients.

    I selected you after browsing the Internet for this purpose and prayed over it, for the fact that I always go to God in prayers in situation like this, because He is the Alfa and Omega. I am willing to donate all the money I have in the bank, which is US$15,000,000.00 (Fifteen Million United States Dollars) to you for the development of evangelism and also as aids for the less privileged around you.
    Please note that this funds is lying with a Bank in Spain.
    Please reply to: MRSNARIILOPEZ4CHARITY@aol.com
    God bless you.
    Mrs. Narii Lopez
    Reply to MRSNARIILOPEZ4CHARITY@aol.com

    Name : MRS NARII LOPEZ
    E-mail : MRSNARIILOPEZ4CHARITY@aol.com,test@rafnet.gr

    ========================================

    SCAMMER western.union214@dgoh.org,
    SCAMMER fausto.morgantini0@alice.it

    Tuesday, July 9, 2013
    Good Day My Dear
    We wish to inform you that your Compensation fund worth sum Of 750,000 GBP has be scheduled to pay to you via WESTERN UNION OFFICE INDIA, You Advice to contact (Dr. Philip Charles) Director, with all your full information's via (western.union214@dgoh.org) or call +919958673290. Best Regards, Mr. Kassym-Jomart Tokayev

    Name : WESTERN UNION, Mr. Kassym-Jomart Tokayev
    E-mail : western.union214@dgoh.org,fausto.morgantini0@alice .it
    ========================================

    SCAMMER mremiljacobss@yahoo.co.jp
    SCAMMER test@tanuki.ru

    Tuesday, July 9, 2013
    E.U.A.U.D Director.
    COUNCIL OF THE EUROPEAN UNION OFFICE
    AND UNITED NATION AGRICULTURAL DEVELOPMENT PROGRAM (U.N.A.D.P)
    ATTENTION OF: THE ENTITILED BENEFICIARY OF FUNDS,

    RE: E.U. AND U.N.A.D.P FINANCIAL SUMMIT ; Confirm Receipt

    The Council of European Union Parliament (E.U) In conjunction with The United Nations Agricultural Development Program (U.N.A.D.P) have just concluded the General Meeting of today in which good discursion and progress was made to reward Agricultural Farm Development, Investors, Industrialists and Traders In Africa, Europe , And Asia Countries. The meeting lasted for three (3) hours because all the officials from various Regional Committees of the E.U and United Nations Agricultural Development Program (U.N.A.D.P) were present, The delegates from London, United Kingdom were in the meeting, the officials of IMF World Auditors (including Mrs. Margaret Powell and Alvin T Clyde) arrived in good time before commencement of the meeting. Also present in the crucial meeting of today were Mr. Gabriel Alanson and Kenneth Irwin Dickson from Commonwealth Financial Office. The meeting started in a good time and all the invited officials plus the top executives of United Nations General Assembly (UNGA) joined at the Conference Room and the meeting commenced in earnest. This resolution was reached based on so many complaints tabled at the Head Quarters of the United Nation Office in Washington D.C in regards on how to help Farmers, Investors, Industrialist and Traders to come back on tract after the World Economic Crisis to foster Financial Development across the globe. This reward is to help you restructure, boost and improve you financially in your activities. The Approved FILE bearing your full name was presented for deliberation and The Executive Financial Auditors have unanimously resolved to include your full-name amongst the favored beneficiaries who will benefit from the amount earmarked for the Agricultural Development Program (A.D.P) The remittance officials must as a matter or necessity proceed to effect the transfer of the authenticated/approved amount of US$8m (Eighth Million United State Dollars) Only, to you. During the meeting of today, the Council of E.U and U.N.A.D.P Parliament resolved that all favored beneficiaries must quickly send application to the Director of AGRICULTURAL DEVELOPMENT PROGRAME: (A.D.P) Mr. Emil Jacobs on this email: emiljacobss@yahoo.co.jp and Telephone number: +44 741 847 8203 requesting for Accelerated Remittance of your approved benefit of US$8m (Eighth Million United State Dollars).

    You are advised to send us the following information.

    (1) YOUR FULL NAME:
    (2) RESIDENTIAL ADDRESS:
    (3) PHONE, FAX AND CELL PHONE:

    You are further required to call his Office Telephone number: +44 741 847 8203 for further clarifications.

    Yours Sincerely,

    Mr. Emil Jacobs
    E.U.A.U.D Director.
    email: mremiljacobss@yahoo.co.jp

    Name : Mr. Emil Jacobs
    Email : mremiljacobss@yahoo.co.jp,test@tanuki.ru
    ========================================
    SCAMMER tcham18@dishmail.net
    SCAMMER rhubbell@sbceo.org

    Tuesday, July 9, 2013
    Hello-PROJECT
    Greetings,

    I have a project for you in the tune of One Hundred & Five Million EUR, Please reply for specifics.

    Cham Tao Soon
    Audit chairman UOB Bank Singapore,

    Name : Cham Tao Soon
    E-mail : tcham18@dishmail.net,rhubbell@sbceo.org

    ========================================
    SCAMMER nancyl2011@outlook.com,info@aol.com
    SCAMMER ,kcp@streamyx.com

    If you need a loan, never try and get one from someone that sends you an email or fax. It is either advance fee fraud or ID theft. In advance fee fraud they will promise you a loan, charge you an "application fee" and you will never hear from them again.

    Tuesday, July 9, 2013
    No subject
    Do you need a 2% financial Assistance to consolidate your debt ? if yes, email us today for more details. Thanks.

    Name : Nancy
    Email : nancyl2011@outlook.com,info@aol.com,kcp@streamyx.c om

    ========================================

    SCAMMER amedshallad01@gmail.com
    SCAMMER test@ascania.ua

    Tuesday, July 9, 2013
    Thank You/Assalam-O-Alaikum
    Dear Friend,

    I got your email address through search in the internet. I hope and pray that I have the right person who will help me. I have interest of investing in your country as such I am making contact with you for assistance. Before the war in my country (Syria) I deposited some funds with a security company for safe keeping. You will help me collect the funds from the Security Company as I cannot travel out at the moment because of my present predicaments /conditions which I will explain to you if we work together. My name Engr. Ahmad M,shakour Allabad, our president Bashar Al-Assad has brought destruction / Hell to our great country and everything is practically difficult now. Please if you accept this offer of assistance you are required to give me your Name, age, occupation, country and address. I will send to you detailed information of this business if you indicate your seriousness to do the business, and also enclosing your telephone fax numbers. I promise you that this deal is valid, real and risk free. What I now need from you are as follows:

    1. You should make contact with the Security Company to secure the funds in cash on my behalf.
    2. You will be entitled to 30% of the total sum involved for your assistance.
    3. As soon as you have the funds in your custody, we will enter a new arrangement on which sector you will invest my share of the funds in on my behalf to generate enough money for the up keep of my family in your country.
    4. This project is 100% risk free, but you must keep it very secret and confidential. With strong assurance that you will never let me down at all.

    Please note that my aim to transfer the funds to you for investment is because I want my wife and 4 kids to join you and stay under your care, hope my family will find comfort, peace and happiness in your country. I want to clear you about this, the funds is not from drug deal, its not from arms deals, its not government money and its not for any terrorist or illegal activity, why I am emphasizing on this confidentiality is because I don't want you to be bordered over above issues. Can you help me? Are you trustworthy? Are you capable of handling this money? If you can, please contact me. All you need to do is to claim this money on my behalf for the investment purposes. For your assistance, you will be entitled to 30% of the total sum. You are also obliged to help/advise on the proper and most convenient way of investing this money in your country, hopefully, you will consider this request and respond positively. I expect your prompt reply and let our communication be by email as it is the safest means of communication for now because I suspect telephone lines in our country Syria is been connected to the US Telecommunication Network for monitoring.

    Regards,

    Engr. Ahmad M,shakour Allabad, .

    Name : Engr. Ahmad M,shakour Allabad
    E-mail : amedshallad01@gmail.com,test@ascania.ua

    I think all of these are from: https://www.facebook.com/pages/Scam/340470669393547
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  17. #67
    ribshaw's Avatar
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    Re: Cut and paste snippets about scams.

    Some sort of clownish phishing attempt. If you get something like this, even from an institution you do business with it is always best to call a number from a paper statment, your bank card, or go to a local branch. No legitimate firm communicates through text or email. Text was from my friend at https://www.facebook.com/pages/Soldi...ocation=stream

    SCAMMER 1 (813) 720-6088 Railroad Credit Union Scam.

    1.JPG
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  18. #68
    ribshaw's Avatar
    ribshaw is offline Nigerian Ministry
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    Re: Cut and paste snippets about scams.

    A few Pozni arrests, and remember Pozni are like Ninja, by the time they "stop paying" it is too late. The fact that people are being paid is always a very poor reason to invest, all scams like this pay, until the money runs out.

    Ponzi like ninja.JPG

    Michael Turnock of Denver gets 6 years in prison for Ponzi scheme
    Posted: 07/09/2013 03:49:01 PM MDT
    Updated: 07/09/2013 10:53:54 PM MDT
    By Steve Raabe
    The Denver Post

    A Denver man was sentenced Tuesday to 6 years in federal prison for perpetrating a Ponzi scheme that defrauded more than 50 investors.

    Michael Turnock, 69, also was ordered by U.S. District Court Judge Christine Arguello to pay $4.2 million in restitution and spend three years on supervised release after his prison term.

    Federal investigators said that from 2002 through 2012, Turnock operated an enterprise that lent money to small-business owners for them to pay insurance premiums.

    Turnock's business operated first under the name Berjac of Colorado, then Bridge Premium Finance. According to investigators, Turnock recruited investors by telling them they would earn returns from loan repayments made by his clients, who were charged interest rates ranging from 12 percent to 18 percent.

    But the business never generated enough money to repay investors. Investigators said, Turnock used money from new investors to pay off old investors and that he used investor funds to pay fees to himself, for business and personal expenses and to invest in other endeavors.

    He pleaded guilty to mail fraud and money laundering as part of a Ponzi scheme

    Read more: Michael Turnock of Denver gets 6 years in prison for Ponzi scheme - The Denver Post Michael Turnock of Denver gets 6 years in prison for Ponzi scheme - The Denver Post
    Read The Denver Post's Terms of Use of its content: Terms of Use - The Denver Post
    Follow us: @Denverpost on Twitter | Denverpost on Facebook

    ========================================




    $100M scheme targeted LDS Church members Father, son convicted of Ponzi scheme operation

    PHOENIX — Guy Andrew Williams, 42, and Brent F. Williams, 66, both of Mesa, were convicted by a federal jury in Phoenix on June 28 of 38 counts of conspiracy, wire fraud, mail fraud and money laundering. The two-week trial was conducted by U.S. District Judge Jack Zouhary, a visiting judge from the Northern District of Ohio.

    U.S. Attorney John Leonardo stated, “Affinity fraud is a particularly reprehensible crime because it depends upon a betrayal of trust to defraud victims of their money. The defendants preyed upon those with whom they made connections through church or in the community. This verdict holds the defendants accountable for their crimes and sends a message to others who would engage in such misconduct.”

    FBI Special Agent in Charge Douglas G. Price, Phoenix Division, stated, “The guilty verdict rendered in this matter holds Guy and Brent Williams accountable for their actions. The FBI and the IRS are committed to investigating and pursuing those who conspire and prey on trusting individuals for their own personal gain. The FBI and our law enforcement partners will continue to combat fraud as it relates to money laundering, wire and mail fraud.”

    “The defendants lived lavish lifestyles and enriched themselves at the expense of their unsuspecting investors,” Dawn Mertz, special agent in charge of the Phoenix Field Office of IRS Criminal Investigation, said. “This classic Ponzi scheme serves as an unfortunate reminder that everyone should exercise extreme caution before committing their hard-earned money to investment opportunities that promise returns that sound too good to be true.”

    “This verdict should serve as a strong deterrent to others who would misuse our nation’s mail system to commit mail fraud,” said Acting Phoenix Division Postal Inspector in Charge Adrian Gonzalez. “The United States Postal Inspection Service remains dedicated to our mission to enforce the laws that defend the nation’s mail system from illegal use and ensure public trust in the mail. Postal inspectors will continue to partner with fellow law enforcement agencies to bring those perpetuating fraud to justice.”

    According to the evidence at trial, Guy Andrew Williams and his father, Brent F. Williams, served as the managing director and chief financial officer, respectively, of a group of Mesa-based investment funds known as the Mathon entities. The evidence at trial showed that the Mathon entities collected more than $100 million in funds from investors from February 2002 until April 2005.

    The evidence at trial further showed that Mathon’s investors, the majority of whom were members of the Church of Jesus Christ of Latter-day Saints and hailed from Arizona, Utah and Nevada, were generally told that their money would be used to make short-term loans to third-party borrowers at a high interest rate and that Mathon had an extensive track record of making such loans. In fact, the evidence at trial showed that the defendants, and their business partners, ran Mathon as a Ponzi scheme — that is, using the overwhelming majority of incoming money from new investors to pay back initial investors. Finally, the evidence at trial showed that the defendants and their business partners paid themselves extravagant salaries and bonuses exceeding $10 million and also used their investors’ money to make millions of dollars of “loans” to companies they secretly controlled.

    The sentencing of Guy Andrew Williams and Brent F. Williams is currently scheduled for Sept. 30 before Zouhary. Also scheduled to be sentenced on that date are Duane Hamblin Slade and Russell Laurence Sewell, two other members of Mathon’s management team who pled guilty to related charges before trial.

    The defendants face a potential maximum sentence of 20 years in federal prison on each count of conspiracy, wire fraud and mail fraud, and a potential maximum sentence of 10 years in federal prison on each count of money laundering. Each count also carries a maximum fine of $250,000.

    The investigation in this case was conducted by the FBI, IRS Criminal Investigations Division, the U.S. Postal Inspection Service and the Securities Division of the Arizona Corporation Commission. The prosecution was handled by Assistant U.S. Attorneys Peter S. Sexton, Kevin M. Rapp and Dominic Lanza.
    Father, son convicted of Ponzi scheme operation - White Mountain Independent: Latest News


    ========================================

    N.J. man pleads guilty in $41.2 million Ponzi scheme Travel Deals $179 & up -- NYC: 4-Star Times Square Hotel, 50% Off See all travel deals Jane M. Von Bergen, Inquirer Staff Writer Last updated: Wednesday, July 10, 2013, 1:08 AM Posted: Tuesday, July 9, 2013, 4:55 PM Everett C. Miller, 43, a high school dropout turned financial adviser who pleaded guilty Tuesday to securities fraud in connection with a $41.2 million Ponzi scheme, made some interesting investments on behalf of his clients. Miller's company, Carr Miller Capital L.L.C. in Marlton, invested in real estate, paying $525,000 for a house on a leafy cul-de-sac in Cherry Hill. No one lived in it, but the four-bedroom house had plenty of use as Miller's party hangout, "replete with empty tequila bottles lining the book shelves and a Twister game board spray-painted on the wall-to-wall carpeting," according to a court document in a related case. The bottles of Patron, a premium brand, were carefully arranged on the shelves. "My wife would have put a vase or a picture of the children in the same spot," said Michael Pompeo, a court-appointed attorney assigned to locate and distribute Carr Miller Capital's assets to its creditors. Miller, married with four children, ages 7 to 13, invested in education. Carr Miller Capital loaned his girlfriend, Jennifer, $221,000 to fund tuition and expenses at St. Matthew's University in the Cayman Islands. As of March 2012, she was in default. In federal court Tuesday in Camden, Miller pleaded guilty to one count of securities fraud and one count of tax evasion for failure to pay $47,342 in taxes. U.S. District Judge Renee Marie Bumb set sentencing for Oct. 18. Miller faces up to 25 years in prison and more than $5 million in fines. He agreed to forfeit nearly $5 million in gains from the scheme. At a time when financial markets were collapsing, Miller, of Marlton, persuaded investors to part with their cash in return for unsecured and unregistered promissory notes, promising 7 percent to 20 percent returns, payable, along with the original investments, in nine months. The investors were generally elderly people in New Jersey, Pennsylvania, Arkansas, Texas, and North Carolina. The fraud took place between June 2006 and December 2010. Some clients got their money back, but much of it went to failed investments. Of the $41.2 million, $22.9 million was invested and of that, $15.7 million was lost, according to court documents. For example, Carr Miller lent $8.3 million at 10 percent interest to Indigo Energy Inc. a publicly traded natural-gas driller based in Henderson, Nev. That loan is in default. Carr Miller also owns 285.2 million shares of Indigo stock. In September 2009, the stock was trading for 3 cents a share. By February 2011, it was trading for less than a penny. Indigo is now bankrupt. "For the most part, nearly all the investments wound up losing money," Miller's court-appointed lawyer, John A. Azzarello, said Tuesday. "The investments were not the most prudent, or wisest, in hindsight." Miller used some of the money - at least $576,000, according to court documents - to pay for a luxury box for New Jersey Devils hockey games, Phillies baseball games, and the Heisman Trophy Dinner. His company also owned a BMW M5, a Hummer, a Chevrolet Traverse, a Lincoln limousine, and a Kia Sportage. There is ongoing related civil litigation in New Jersey courts. In December 2010, the New Jersey attorney general and the state's Bureau of Securities filed a lawsuit in Essex County naming Miller and two others. No one else has been criminally indicted in the case. "The investigation is continuing," said Matthew Reilly, a spokesman for the U.S. Attorney's Office in New Jersey. The investigation is complicated, according to court documents, by the fact that the company funneled its investments through 30 related business entities and 75 related bank accounts. The company "did not maintain books or records," said one court document, and an accountant Miller hired in 2010 to sort through the accounts and entities finally gave up, but not before questioning whether the company was a Ponzi scheme and criticizing "excessive overhead expenses." These days, Miller is unemployed, minding the children while his wife, Barbara, puts in 40- to 45-hour weeks waiting tables at the Cracker Barrel Old Country Store in Mount Laurel, according to testimony. Because Miller has his GED, he enrolled at Burlington County College for the fall semester, having applied for and received financial aid, Miller told the judge. In court Tuesday, the judge asked Barbara Miller whether she would be willing to act as Miller's custodian, knowing that she would be responsible for a $250,000 unsecured bond if he skipped town. "Absolutely," she said. The judge forbade Miller to drink alcohol, set a 9 p.m. curfew, required him to wear an electronic bracelet, and ordered him to remain in New Jersey. Assistant U.S. Attorney Aaron Mendelsohn is prosecuting the case. Pompeo is a partner at the New York office of Drinker, Biddle & Reath. Azzarello is a partner at Arseneault, Whipple, Fassett & Azzarello in Chatham, N.J., where Carr Miller had an office.
    Read more at N.J. man pleads guilty in $41.2 million Ponzi scheme
    Last edited by Soapboxmom; 06-21-2014 at 09:07 PM. Reason: Name of one victim redacted.
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  19. #69
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    Re: Cut and paste snippets about scams.

    I thought I had posted something like this, but could not find it. Of course I did not look very hard. Top tips on avoiding identity theft this summer | Action Fraud

    Equifax’s top tips to keep your identity safe whilst on holiday

    Don’t clearly display your home address on your luggage. Instead use a work address or mobile phone number.
    Don’t write down PINs – use a more memorable number.
    Keep your personal documents, such as your passport, in the hotel safe.
    In crowds, keep your bag either strapped across your body or held firmly.
    A concealed money belt is an ideal way to carry your cards and valuables.
    Leave your passport number with someone in the UK in case it is stolen or lost. Don’t carry these details around with you.
    Have the phone numbers for your bank with you so you can quickly cancel any lost or stolen cards
    Make sure your mobile/smartphone is password protected.
    On the return home, check statements and your credit file to make sure there hasn’t been any fraudulent activity.
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  20. #70
    ribshaw's Avatar
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    Re: Cut and paste snippets about scams.

    Reverse mortgage fraud and other new scams target seniors Scams Targeting Seniors | Financial Fraud - Consumer Reports
    Seniors lose several billion dollars a year to financial chicanery
    Consumer Reports magazine: August 2013
    Illustration: David Senior

    Scammers are out there, and unfortunately retirees are often their targets. According to the Government Accountability Office, seniors lose several billion dollars a year to financial fraud. Government and law enforcement efforts to stop them have tended to be scattershot, with little coordinated effort. And banks, which are supposed to be on the lookout for suspicious transactions, have not been sufficiently vigilant.

    Below are some of the more recent scams aimed at seniors, although anyone is a potential target. In many cases, the frauds masquerade as perfectly legal, though unconventional, financial transactions.
    Reverse mortgage fraud

    A reverse mortgage is a legitimate financial tool available to people 62 and older. Also known as a home equity conversion mortgage, it allows you to convert the equity in your home into cash—useful to seniors who may be house-rich but cash poor, living on a fixed income but facing decidedly unfixed expenses like health care. Sadly, some of the most vulnerable retirees—those having trouble making mortgage payments or looking for a less expensive home—are those most susceptible to reverse mortgage fraud.

    Mortgage guarantor Fannie Mae has noted a striking increase in reverse mortgage fraud since the 2008 financial crisis. The most common types include “Turn Around Mortgages,” where reverse mortgage programs falsely promise to stop foreclosure, and “Equity Theft Schemes,” where seniors are sold a new residence and given a property deed, and then are later requested by the criminals to obtain a reverse mortgage. The scammers abscond with the proceeds.

    What to do: Always be suspicious of the free lunch, such as being able to own a home without a down payment, and don’t sign documents for a property you didn’t purchase. Seniors considering a reverse mortgage can check the Housing and Urban Development website at for a list of lenders approved by the Federal Housing Administration.
    Self-directed-IRA scams

    Investment Retirement Accounts can legally hold a wide variety of assets, which may be appealing to those who’ve soured on stocks. But placing unconventional assets, like real estate and physical gold, in self-directed IRAs requires extra paperwork, and a custodian that specializes in these IRAs is usually needed.

    But the custodians aren’t required to evaluate the quality of an investment, according to the North American Securities Administrators Association. A fraudster, targeting an elderly person, will probably say otherwise, paving the way for an investment in an unaudited, illiquid asset, or in worst cases, a Ponzi scheme. Last year the NASAA named self-directed-IRA fraud one of the top four new investor threats.

    What to do: Victims of self-directed-IRA scams are pressured to send money immediately, because the opportunity is fleeting. What they should do is precisely the opposite: talk to a trusted financial adviser or relative, check the references of the seller and the investment offer, both of which should be registered with the Securities and Exchange Commission or the Financial Industry Regulatory Authority. To find an adviser, use FINRA’s Broker Check.
    The 876 scam

    You won! No, you didn’t. Last year many seniors in New England were victimized over the phone by what is known as the Lottery or 876 scam, named after the Jamaican area code from which many of the calls originate. The criminal tells the victim he just won a huge sum in a lottery, then tries to gain his trust through repeat phone calls and by using Google Earth to feign familiarity with his community. When trust is established, the victim is encouraged to wire a “process fee” to the criminal. The Federal Trade Commission received 30,000 complaints about the scam last year.

    What to do: Scams and frauds may have new wrinkles over time, but they share one common denominator: They’re unsolicited. Just hanging up is the best move.
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
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  21. #71
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    Re: Cut and paste snippets about scams.

    23-year-old Ashley Kirilow allegedly faked having cancer to raise $20,000 for her fraud charity. She turned herself in yesterday and has been charged with three counts of fraud, for which she faces up to two years in prison.

    The arrest happened "without incident," police told The Star.

    The Star also offers some insight into Kirilow's twisted thinking as she let the residents of Burlington, Ontario organize benefit concerts for her charity, Change for a Cure, and arrange free trips to Disney World for her. "I took it as an opportunity to make my family feel bad for how I was treated," she said. (Her childhood was marked by an extended custody battle between her parents.) And she is apparently biploar—she showed the Star her prescription drugs for the condition.

    Kirilow wants everyone to know that, even as she took advantage of people's best intentions, she felt bad about it: "It was nice to have people care about me," she told the Star. "At the same time, I felt really horrible." She spent the money raised (anywhere from $4,000, according to Kirilow, to $20,000 according to those scammed by her) but says she'll work to donate that much to a real charity.

    Soon, Kirilow will be Working at McDonald's for a Cure. (Also, Being Imprisoned for a Cure.)

    SCAMMER.JPG

    Canadian Cancer Scammer Arrested
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  22. #72
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    Re: Cut and paste snippets about scams.

    I would rather work 9 to 5 than scam this way.

    Shenzhen insurance scammer arrested for 334 car crashes, say police
    Friday, 05 July, 2013, 12:41pm

    The man who was arrested in the fraud case is held, as shown in this screenshot from Shenzhen TV.

    A man in Shenzhen has been making a living by crashing cars for nearly three years, averaging to one crash every three days, police said after his arrest.

    The man, surnamed Li, filed 334 insurance claims between the end of 2010 and May 2013, costing insurers millions of yuan and pocketing some 357,000 yuan (HK$450,000), Shenzhen TV reported, citing police in the Guangdong city.

    A screenshot from a Shenzhen TV report showing the man who was arrested in the fraud case.

    In his scheme, Li took advantage of slow traffic during the morning and evening rush hours, when he needed to accelerate only a little to bump the car ahead, thereby avoiding major injury.

    He then bribed mechanics to increase the damage estimate on the invoice, pocketing the difference. The mechanics are also being investigated, police said.

    Li is one of two cases that have recently come to light of what many suspect has become a phenomenon in Shenzhen, with some netizens speaking of a "car crashing gang".

    The other case involved a man surnamed Peng from Jiangxi province, Southern Metropolis Daily reported. The former bus driver deliberately crashed into buses, extorting the drivers who feared repercussions from their jobs if they had to report the accident, the article said.
    Share

    Shenzhen insurance scammer arrested for 334 car crashes, say police | South China Morning Post
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  23. #73
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    Re: Cut and paste snippets about scams.

    Three jailed for cash machine scam Three jailed for cash machine scam | Action Fraud

    Three men in Gloucestershire have been jailed for stealing money using devices attached to cash machines [11 July 2013]

    Three jailed for cash machine scamThe men fitted a device to trap cards and then recorded victims’ PIN numbers using a mobile phone camera which was hidden in a box above the keypad.

    They were arrested after plain clothes police officers saw them attach the devices to two separate cash machines.

    The men appeared in Gloucester Crown Court and were jailed for a total of 49 months. Gloucestershire Police said it was investigating at least a dozen similar cases and advised users to be vigilant and cover the keypad while entering their PIN code.

    PC Annabel Brittain said: “I hope this case and these images make people think harder about their security at cash machines or Chip and PIN devices. The most important thing is to always cover your hand when typing your PIN. If you do that, you’re protecting yourself even if the criminals get your card or clone it because they won't be able to use it at other machines.

    “These devices aren’t complicated but they are effective and blend in well with the machine. If you can, take a moment to look around the cash machine you use, have a feel and see if anything sticks out or seems suspicious".

    For further information please visit the Gloucestershire Police website.

    Please note that Action Fraud is not responsible for the content of external websites.

    To report a fraud and receive a police crime reference number, call Action Fraud on 0300 123 2040 or use our online fraud reporting tool.
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
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  24. #74
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    Re: Cut and paste snippets about scams.

    This links to a video, where a student demonstrates a "Man in the Middle Attack" from public Wifi. DFPTaboolaImmersivePlayer

    In the video he sets up a computer and can see EVERYTHING the person beside him is typing. His suggestion is NEVER do any financial transactions on public WiFi. Never log in to accounts when using public WiFi.
    "It's virtually impossible to violate rules ... but it's impossible for a violation to go undetected, certainly not for a considerable period of time." Bernie Madoff
    https://www.facebook.com/pages/Scam-...98399986981403

  25. #75
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    Re: Cut and paste snippets about scams.

    Quote Originally Posted by ribshaw View Post
    SCAMMER maigaamhed@yahoo.com

    This dummy is back. If anyone wants to bait a scammer, using a fake email address of course. This is the guy.

    Dear Friend
    (confidential)
    I am Mr Ahmed Maiga working with INTERNATIONAL BANK OF AFRICA (IBA/BOA)Mali Bamako. I want to inquire from you if you can handle this transaction for mutual benefits/life opportunity for you and me. The transaction is about seeking your consent to present you as the Next of kin/ beneficiary To our late customer over his fund US$10.7Million dollars.
    He died with his family during their vacation journey. I am waiting for your response for more details. The fund is going to be share at the ratio of 60/40.40% for you and 60% for i and my family, which we are going to use for investment.and 10% for outstanding expenses.if you are ready contact me back Via my private email address maigaamhed@yahoo.com
    Mr Ahmed Maiga,

    ahmedmaiga ike watching firm, listening to music, profile, free online dating, d

    419.JPG

    Which is actually a picture of Gbenga Daniel - Wikipedia, the free encyclopedia
    Could this be the real one behind that profile??!!

    https://www.facebook.com/photo.php?f...type=1&theater

    Forgot to say - Warning!! Nudity
    Don't get ripped off!! Stay informed!

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