Online Scams: How To Avoid Getting Fooled

Learn how to avoid the three most popular scams you will run into online without damaging the thrill of surfing the internet.

Beware of the three ways of getting fooled into giving up your money through seemingly innocent money-making schemes. Scams are all around us and it can be found in every single area of life, but more so in such areas where the risk is greater such as when dealing with credit cards, bank accounts and other activities which involve sending or receiving money online.

The Bank/Credit Card Email Scam:
If you get an email asking you to sign up to your bank account or credit card through the email because your privacy is under danger or just to receive a free gift or something: BEWARE! Do not sign up through the internet address provided in the email. If the email does make you anxious, go to the bank or credit card site using the address you know already or through searching the search engines.
How Does This Scam Work?
The senders of the email know that only a very few will sign up but that is all they need. When you signed up to the bogus internet address, they got your user and password. Now its time for them to party!

The Missing Millionaire Scam:
If you receive an email saying that they represent a dead or missing former ruler, high-ranking official or businessman from an African, Gulf or even Russian: BEWARE! They offer you a chance to earn anything between one to five percent of ten to fifty million. And for your co-operation only. Don't get sucked into this, for though they speak of giving you money, they will receive cash and from your account.
How Does This Scam Work?
They will ask you for your bank details in order to transfer the cash and then they will use that to transfer a small amount. Now, once you trust them, they will ask you for more personal and secure details because they "need" that to transfer the entire sum in and out of your account. What they won't tell you is that they will transfer all the money out from your account: theirs and yours.

The Make Money Fast Scam:
This is the most innocent of the lot, but that is also why it is the most dangerous. These are so-called companies that advertise that if you only sign up and use their system, you will mint money. Please do not fall for such schemes. They will pay you some money but then once trust is built, they will fleece your bank account. Remember that quick money scams are the surest and fastest way to lose all your money!

Conclusion:
Whatever you do online, always remember that the internet is not a safe place. Treat it like you would treat any other business venture and bring up your guard. If you play it safe and check out the companies before committing, you will be able to guard yourself against losing money to crooks.

How to Prepare a “Bug Out” Laptop Kit

Can you imagine being away from your computer for an extended period of time? No internet, no email, no funny jokes, no games to play? Many people have found themselves in this position when the unexpected happens.

Can you imagine being away from your computer for an extended period of time? No internet, no email, no funny jokes, no games to play? Many people have found themselves in this position when the unexpected happens. In the event of a natural disaster, terrorist event or a bird flu pandemic, having access to your computer could be a lifesaver. Are you one of the many people who have all their personal and financial records stored on their computer with no back up and no way to access them in the event of an emergency?

Because we are so wired these days, a backup laptop computer should be considered part of your essential survival gear just as much as a 3 day supply of food and extra water. You can either choose to use your existing laptop or buy a used one specifically for use in the event of an emergency.

Now you could buy one of the laptops that are made to withstand extreme conditions but that will set you back several thousand and probably isn’t necessary. You can find a number of good used laptops online for a few hundred dollars. It doesn’t have to be the latest and greatest, it just needs to get the job done when you need it to. A good basic laptop with a cd rom and a good battery will do the trick.

Items you will want to add will include a wireless card for accessing the internet. While your internet access may be down you may be able to find a hot spot for access. Most laptops will have a built-in modem, if not you will want to add a modem card also. Cell phone connectors so you can access the internet via your cell phone. You may need to add internet access to your cell phone plan. Modem and network cables, you need to be able to plug and play. Power cable and ac adapters. A 12-volt adapter and converter. You could run your laptop directly off 12 volt or run it through a converter to charge the battery. A spare battery. Any other laptop accessories you feel necessary such as external mouse or even a solar battery charger. With this setup you should be able to access the internet either through dialup or wireless. You may also want a small external hard drive or flash drive. A portable printer is nice but not absolutely necessary. All needed software should be loaded along with a backup or emergency startup disk. Don’t forget to load in your favorite bookmarks.

You will need to decide what files you want to take with you. You should have a backup from your main computer of your personal and financial records. Burn these to a cd. You could have another cd with your household inventory complete with digital pictures. If your house is destroyed you have a record of the contents. Consider scanning in family photos so you have a backup of those. Don’t forget to have a copy of all your passwords for accessing online sites and accounts. Address book and email contacts will also be important. Any other or vital documents that would be hard to replace and are essential to recovery after any type of emergency should be backed up. Consider scanning in copies of your will, birth certificate, marriage certificate, titles and deeds. Because this information is private consider security software to encrypt it in the event it fell into prying eyes.

You may want to build a cd reference library of information that could help you survive a disaster and recover. Backwoods Home Magazine offers back issues on cd including one specific to survival. The Mother Earth News also has back issues on cd. Both would give you a wealth of survival and how to information. You might also include foreign language cds, learning cds appropriate for your children’s ages, games, if you can’t live without them and to pass the time. Reference books could include encyclopedias, yellow pages for your area, maps, cookbooks and anything else that will help you out.

If you have high-speed internet access at home, get a list of dialup numbers from them for around the country or consider an AOL account or other national provider. If you can’t access the internet one way you should be able to access it another way.

Now, the whole idea of this setup is to “bug out” with it. Grab and go in the event of an emergency. You will want to store it all in a good laptop case with easy access. For extra protection you may want to consider a waterproof case (good in the event of a flood) or a hard side case such as an aluminum one that photographers use to protect their equipment. Other family members should know where you keep it so if you are not at home and they need to leave they can grab it for you.

Before you pack it all away, test it out. Make sure your connections are working and it starts up without problems. Test it once a month and make sure the batteries are still charged. Try accessing the internet through dialup and a wireless hot spot. Work out the bugs before you need to use it in an emergency.

Having a backup bug out computer will help you when the unexpected happens and get you back on the road to recovery.