Spammers send out billions of spam messages every day. These messages often get flagged by spam filters, and many users routinely discard these annoying messages on a regular basis. Malicious emails can still get by even the most advanced spam filter systems, however. It is these malicious emails that you should be concerned about.
ICriminals are constantly using new types of technology in order to steal consumers’ credit and debit card information. It is important that consumers are aware of these methods so that they can better protect their money and credit. Recently, criminals are attaching credit or debit card readers, known as “skimmers,” to ATMs and gas pumps.
When you pay for services or merchandise with “plastic” (credit or debit cards), you have certain legal rights if your card is lost or stolen, if unauthorized charges are made to your card, or if you are charged for goods or services that were never delivered to you or were damaged or defective on delivery.
In the “Land of 10,000 Lakes,” everybody knows what “fishing” is, and many people are also familiar with “phishing” scams. “Phishing” occurs when a criminal sends an email impersonating a financial institution, government agency, or reputable company and asks the recipient to verify their personal or financial information. Today’s scam artists have now turned to a more sophisticated, targeted, and profitable version of the scam, known as “spear phishing.”
By one estimate, Americans lost $7.4 billion in 2015 to telemarketing scams. For years, scam artists — often operating from other countries —have asked people to pay them by wire transfer, reloadable money packs, or remotely-created checks or payment orders. Scammers prefer these methods because they are like cash—they are difficult to trace, and once sent, the money is usually gone for good.
Seniors citizens often receive mail that asks for their personal information in exchange for details about life insurance, funeral expense benefits or supplemental Medicare benefits. Once seniors provide their information, they are sometimes flooded with mailed solicitations or hounded by sales calls
Charitable athletic events—like walkathons, races, and mud runs—may allow donors to both help a good cause and have the gratification of competing at an athletic event. But not all events are the same. Some events have high overhead, leaving little for charity. And at least one mud run in Minnesota gave no money to the charity it promised to help.
If you receive unwanted mail, you are not alone. Many people are bombarded by junk mail—ranging from credit card offers to catalogues to charitable solicitations. Persistent junk mail can inundate mailboxes and become a hassle to dispose of. So why is it so difficult to stop unwanted mail?