internet-banking: Open Question: Victim of a SCAM on the Internet!!! be very careful.?

Open Question: Victim of a SCAM on the Internet!!! be very careful.?

About a month ago I went to the Local park to take my little westie for a walk, I met this nice single Mom and her Doughters, while her two little girls played with my dog we got to talk, she was laid off some time last December and shortly after she lost her car ( bank repo) she was defestated and found herself unable to go anywhere with the littleones and without a car, she then decide to stay home and take care of her girls, she has been a victim of SCAMS, time after time, SO PLEASE DON"T SEND ANY MORE SCAMS, and help me guide this poor family, if there is a real job that she can do @ home, help me, help her, and her girls, I am doing my part by paying for her utilities and food until she can get herself back on her feet, she cleans my house while I take care of her girls and shops for me( in my car), if there is a way to make money working at home, please e-mail me with the info (her family is in Oklahoma) and can't help her. we are here in this world to help one another.
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Open Question: Does it matter who my mortgage lender is? Or just lowest fees?

We've contacted one broker who had the lowest rate on Bankrate.com; one "upfront" broker a friend had used; and the bank loan officer our realtor wanted us to use.

Obviously, the application fees, etc., are different. But they've already disclosed the fees (no points) on the Good Faith Estimates. Is there any other sneaky business we should be watching out for? Is it safe to lock in a low rate from a broker we pulled off the internet, or are there other factors to consider? The internet broker has been very professional and very diligent, so i'm inclined to trust his company to do a good job of moving along toward closing (in 6 weeks) but we're inclined to go with the guy that someone else we know has actually used...

Just wondering if there are any downfalls to choosing an unknown broker. Yes, we know the mortgage will be resold immediately, but do we care?
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Open Question: I am D.A.E(Mech).I received a job offer from Benin oil corporation as a Maitenance Engineer.Is it possible?

I am quqlified Diploma of Associate Engieer(Mechanical)
This qualifiication is based 03 years study after Matriculation (Total study period 13 years).

3. I am presently studying B.Tech.(Bachlor of Technology,04 years study after D.A.E,
Which consists of 08 Semesters .However I am in 4th semester .
This Degree is not Equivalent to B.E(Bachlor of Engineering in Pakistan)

I have 5 Years experience in Fuji Fertilizers Compny,as Mechanical Technician(Stationary Equipment Fabrication /Maintenance)

Benin Oil Corporation Limited Benin
LOT: 7854/62 BENOC AVENUE,
ZONE INDUSTRIELLE PORT NOVO
TEL: 00229- 93022315, 00229- 97528005

CONFIDENTIAL!

BENIN OIL CORPORATION JOB REF: BENOCBJI67/21563755

DATE: APRIL 10TH, 2008

ATTENTION: JAVAL IQBAL

CONTRACT AGREEMENT/ APPOINTMENT LETTER

1.0EXECUTIVE SUMMARY

We have in file, your Resume, Job Application and Answers to the Official Interview. After the evaluation of these documents, we found you qualified to work with our Team.

Hence, BENIN OIL CORPORATION Seek to employ your services as an expatriate consultant for the provision of expatriate services as stipulated in the following acts in this document. This document embodies the approved Terms for the purpose of this contract.

2.0JOB TITLE/UNIT

MAINTENANCE ENGINEER

3.0JOB COMMENCEMENT/ LOCATION

The work Location will be within the work metropolis of BENIN OIL CORPORATION Facility Plant.

You are to report immediately to the HR Manager after your arrival for brief elaboration about the company and other logistics before you start duty.

4.0SCOPE OF WORK SHALL INCLUDE, BUT NOT LIMITED TO:

ïƒ˜Appropriate monitoring/coordination services, planning and implementation, development, execution, responsible for the approval and purchases as shall be deemed necessary for job success

ïƒ˜Comprehensive infrastructure /management, policies initiation and approval of corrective actions, including regulatory agencies representatives, decisions making, changes incorporation when necessary.

ïƒ˜Quality assurance, Quality control, corporate liaison work with one or more project team, or steering committee, senior managers and other key influences, possession and maintenance of outgoing and incoming policy and operations manuals.

ïƒ˜You shall be expected to work lead a team of prime experienced project personnelâ™s with the mandate to provide excellent services.

ïƒ˜You shall also be expected to meet/liaise with the entire management board of BENIN OIL CORPORATION For overview and updates bi-monthly

5.0CONTRACT PERIOD/ DURATION

This contract is for the period of one year, starting for the date of your arrival to Benin, after one year Contract can be renewable.

6.0SALARY INDICATION

Monthly Salary: US$12,000 (Twelve Thousand United States Dollars)

You will be eligible to receive US$11,920 (Eleven Thousand Nine Hundred and twenty United States Dollars) â"Basic (Tax exclusive) Monthly.

Funds can be transferred to any Bank designated by you and this must be in conformity with the present tax situation of the Country.

Work time shall be 40 hours work week for the Twelve (12) month contract term as such employee shall also be entitled to over-time allowance if employee work time exceeds the official stipulated hours. Salary shall also be liable to increments with time and employees' official promotions and position in service.

7.0ALLOWANCES/ ENTITLEMENTS

Hazard/Inconveniences: US$560.00 (Monthly)

Car Maintenance: US$1,089.00 (Monthly)

Entertainment & Recreation: US$575.00 (Monthly)

Travel & Events: US$950.00 (Monthly)

8.0EXPENSES BEFORE TRAVEL BY EMPLOYEES

Expenses made/incurred by the employee related to job before commencement of duties or Expenses made during Travel Plans, Processing of Travel Particulars ETC will be substantiated with receipts and Employer will re-imburse the Employee not later than Five (5) working days after submission of Employeeâ™s expense Report and Receipts as proofs of such Expenses.

Employer however agrees to reimburse fully all Travel costs and Expenses made by Employee.

The agreement hereby binds Employer and Employee in that re-imbursements will be made fully to Employees upon presentation of Expense Reports and Receipts of Expenses.

âœOn no account will Employer accept to shoulder costs for Travel Expenses, Processing of Work/ Resident Permit Papers of Employee before Work sign-on. This is to possibly evade losses that may be accrued to Employer should Employee decide to decline Job Offer after certain Expenses must have been made by Employer.â

The agreement hereby binds Employer and Employee in that re-imbursements will be made fully to Employees upon presentation of Expense Reports and Receipts of Expenses

9.0UPFRONT PAYMENT OF SALARIES

The first monthly salary shall be paid in advance before expatriates embark on journey to assume duty.

This is to enable expatriates settle all domestic needs before travel. As such no excuses will be entertained on assumption of duty relating to default.

Employees (Expatriates) are to note that 1MONTH UPFRONT SALARIES are paid as soon as Employees Procure and Process the relevant Resident/ Work Permit Documents from the Benin Immigration Services and submit same to the company for Verification.

All payment of Salary after assumption of duty in BENIN shall be 75% paid into an offshore account to be provided by employee with the remaining 25% paid locally in BENIN.

This is in line with the Benin Expatriate Financial Statutory Laws.

10.0FEEDING & ACCOMODATION

All Employees are expected to reside at the Companyâ™s Staff estate. There are Single Bed-room and Flat options for Employees to choose from. Employees are entitled to take meals free of charge at the General Staff canteens. Dietary options, Customized cooks and Dieticians are available options.

11.0MEDICAL EXPENSES

Employer will provide the employee with comprehensive Health care for the term of contract, and follow-on care for injuries suffered during the term of contract for employee and family.

12.0OFFICE ASSETS TO BE PROVIDED BY EMPLOYER

Computer resources: Laptop Computer, 1.6 GHz Processor, 256 MB RAM, 24XCD-RW, 30GB Hard Drive, Floppy Drive, Integrated Network Adapter, Internal 56K Modem, Spare Battery and Necessary Software. Full time Internet access is also made available.

Phones: Employer will provide each employee with one (1) landline and one (1) mobile telephone. This shall have a reasonable credit limit application per month.

Cars: Employer will provide an official car MAZDA 626 LX for Senior/ Chief Staffs. Also they shall always be a standby Air Conditioned Coaster Bus to transport ordinary staffs from the Companyâ™s Estate to work Metropolis.

13.0SAFETY & SECURITY

Safety and Security of personnel (Local/Foreign) and Facilities on Job Locations and communities are no small issues, and have been seriously considered to ensure and assure hitch free operations.

All operations on Job Location are designed to adhere strictly to the Health Safety and Environment (HSE) Policy as applicable in the Oil and Gas Sector.

All expatriates are entitled to a free and mandatory safety courses on Job Locations to be delivered by qualified safety and environment experts.

All safety wears shall be provided by the Company at Job Locations such like Safety Coveralls, Gloves, Goggles, Helmet and Safety Shoes etc. as applicable in the Oil & Gas Sector.

14.0TELECOMMUNICATION/ INTERNET FACILITIES

There are standard Telecommunication Facilities and Internet services at the disposal of all expatriates, and same shall be accessible to all Personnel (Local/Foreign) without any charge or expenses to be incurred.

Cellular Phones can be obtained by expatriates from the Local dealers/Service
Providers in Work Metropolis but must be used in accordance with the safety regulations on Job Locations.

15.0ADDITIONAL SERVICES

Recreational/Sports Facilities shall also be made available at the disposal of all expatriates with no expenses to be incurred. Laundry and Dry Cleaning Service will also be made available to all Expatriates by the company's laundry and dry cleaning unit.

16.0DOCUMENTS PROCESSING VISA, WORK/ RESIDENCE PERMIT

The Employee is requested to contact the below office who shall be responsible for the process or his or her Valid Benin Work/Residence Permit Visa and then should forward same to the HR of BENOC for Verification and authenticity confirmation.
Hence any expenses incurred during this process shall be refunded to the candidate in not less than 5 working days of arrival to Benin.

17.0THE BENIN IMMIGRATION SERVICES CONTACT DETAILS BELOW:

BENIN IMMIGRATION SERVICES
LOT 708/710 ZONE DES AMBASSADE,
BENIN IMMIGRATION LAYOUT,
COTONOU, REP. DU BENIN
E-mail: workpermit@immigrationbenin-bj.com
TEL: +229- 97 53 75 47
Contact Person: BARR. CHINEDU PETER UCHE

I HEREBY ACCEPT THIS JOB OFFER WITH THE TERMS AND CONDITIONS STATED THEREIN:

Regards

Andrew Morgan
Head of Career/ Recruitment Department
Benin Oil Corporation
Benin.
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Open Question: Where can i download a tested and trusted FREE mlm scripts from the internet. I mean FREE!?

I need to install an MLM scripts on a server but i cant afford to buy one now, so who knows where i can download a free copy. Payment processor could be e-gold, or better to be handled offline with local banks in my country.
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Open Question: Skybus refund?

I bought airline tickets on Skybus and was supposed to leave on 4/8/08. I know they made the announcement that the company was closing operations effective 4/5/08. My debit card had not been charged as of 4/5/08, so I thought good, I wont have to worry about getting a refund. But, they charged my card on 4/7/08!! I am very angry that they charged my card if they knew they were going out of business. I went to heir website and the only thing on the site is a message that says contact your credit card company to file for a refund. This is a debit card and since it is deducting from my bank account there is no credit card company to contact. The bank is not going to refund my money because its not their problem, it is a Skybus issue. However, there is no way to contact Skybus now because they did all of their transactions over the internet.

Anyone have any idea on how I canget my money back or am I going to have to just eat it.
The bank was Citizens Bank.
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Open Question: Should I get a car loan from a bank (Harris, Chase,WaMu) or an internet car loan company (HSBC,Capital One)?

I've decided to purchase a new Honda Civic EX and I don't want to go through the hassle to finance with the dealership since I know they'll only be jerking me around on monthly payments and deals and all the beauties that come with dealing with a dealership. So my plan is to get a loan, but should I go to my bank (Harris, Chase, WaMu, etc....) or am I better off going with one of the online banks or loan companies such as HSBC, Capital One or others? My aim is obviously a lower interest and an all around better deal.
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Open Question: i received YAHOO INTERNET LOTTERY 2008 winning notification is that true TICKET NUMBER: 5647600545188?

You won Â£950.000! Yahoo! Mail congratulates you!

YAHOO INTERNET LOTTERY

Yahoo! Mail gives members random cash prizes. Today, your account is
randomly selected as the one of 5 top winners accounts who will get
cash prizes from us.We are happy to inform you that you have won a
prize money of Â£950,000.00 GBP (NINE HUNDRED AND FIFTY THOUSAND GREAT
BRITISH POUNDS STERLING ). for the month of February, 2008. Lottery
win promotion which is organized by yahoo messenger .com every month.
We hope with part of your prize, you will participate in our end of
year high stakes for US$1.3 Billion international draw.

HOW TO CLAIM YOUR PRIZE
This is your Ticket Number: - TICKET NUMBER: 5647600545188

To begin your claims, kindly contact the HALIFAX BANK PLC UK FIDUCIARY
AGENT: Mr. Williams Sullivan Email: ( fiduciaryonlineagent@myway.com )
Mr. James Walker
LOTTO CO-COORDINATOR.
The Yahoo.com staff
Yahoo.com http://www.yahoo.com
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Open Question: Banking CD's- what are they?

To start off, any crack pot out there that thinks they're funny and is going to tell me that a CD is a compact disc that plays music can go straight to @#$%. I'm not that stupid.

What I want to know is what a CD is in the banking world. Sure, I could have gone and searched it on the internet and tried to sort through all the legal jargain, but I just don't have the patience for that.

I'd appreciate if anybody can tell me (in simple terms) what a CD is and why it is significant.

Thanks!
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Resolved Question: Why are there so many man haters?

I'm getting so sick of these man hating feminist lesbians, there's a fine line between Feminism and man-hating. These women who come on here "Men ruined the world" "we would be better ogff without men" bla bla bla, who built your house than? Who invented the internet so you can come here and express your prejudiced views? Who built the economy, who advanced in technology over hundreds of years, thousands. I hate narrow-minded people who use stereotypes and stupid generalizations. Get a life man haters. And if you like to say "men are only good for sperm", FINE go to a sperm bank and get some next guy's sperm, leave the nice girls to make love to their husbands for it.
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Open Question: is this a scam ?

Good day, I will try to tell to you about the occupation in more detail. After carrying out of all necessary checks by our fraud department you will become the full employee of our company. It's very important how you will prove the performing of the first operations. Your personal adviser will give you accurate instructions and recommendations invariably - your task is to perform them operatively and precisely. After several trial operations you will understand system of work and will successfully open your potential. The client after performing of all preparatory operations from our company will transfer funds at your account (No Checks! Only Bank transfers). At this stage your personal adviser will control your actions constantly. You should wait for confirmation that transference is made, to receive the information from your adviser that all funds have been listed in the wanted quantity and in time. The next stage (is usually within 2 hours from the moment when you received the funds on your account) you should send it to our client â" beneficiary according to the instruction which you received on your email or by phone from your personal adviser. Your commission from the each transference will make 5-8 % from the sum of the transaction. (your percent will increase on storage system). As soon as the transference is completed, you need to send the confirmation to our representative by email. Your personal adviser will help you at each stage to perform serious operations. If you are interested in any question you can e-mail to your personal adviser and to get irrefragable answer. You can combine your job at our company with other places of employment, but to pay attention to all the operations and don't delay the work of our service. Is it legal enough you can ask. And we will answer you that our company successfully stops such attempts as money-laundering which has become frequent now on the Internet and according to this we choose and check our clients carefully and use only cashless bank translations. All the process of money resources transition is absolutely safe for all participants of the process. That is why our services are so much demanded. As to the taxation you should not be worry, you will not have any problems with IRS - we guarantee you the full legal support at taxes payment. You are obliged to pay the tax only from the sum of your commission, instead of the full sum of transference and for this purpose in the end of a year all the forms for filling and detailed instructions will be sent to you. Our experts are always ready to consult and prompt you how to act correctly in any situation connected with taxes even if it concerns your personal business. Usually there are no delays and questions at a stage of your vigorous activity. That is the reason why our clients appreciate our service and are ready to pay you commission to perform operations. Answer these questions please: What do you consider to be the most important, decisive factor while choosing a job? What is your desired level of salary? What is your current working place? Do you spend your free time at home? Please write your ideal working schedule. Do you have a computer at home? Do you have a business bank account? Yours sincerely, Melissa Wilson Business Builders International.
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Resolved Question: This is just pathetic!?

Check out this E-mail I got...I honestly dont understand how people fall for this bullshit. If I could find the person who sent this to me I would rip out their throats for insulting my intelligence yet so many people are scammed by these assholes.How can people be so fucken stupid..........

DEAR FRIEND , I AM THE MANAGER OF BILL AND EXCHANGE AT THE FOREIGN REMITTANCE DEPARTMENT OF THE BANK OF AFRICA. I SAW YOUR CONTACTS IN INTERNET SEARCH,AFTER MUCH CONSIDERATION I DECIDED TO WRITE YOU SINCE I CANNOT BE ABLE TO SEE YOU FACE TO FACE AT FIRST. I WILL LIKE YOU TO TAKE YOUR TIME TO READ THIS MAIL CAREFULLY. I DID NOT MEAN TO EMBARRASS YOU WITH MY BUSINESS PROPOSAL BUT I SERIOUSLY NEED YOUR ASSISTANCE. PLEASE THIS IS A CONFIDENTIAL MATTER AND IT REQUIRES URGENCY. IN MY DEPARTMENT WE DISCOVERED AN ABANDONED SUM OF U.S$12.5M DOLLARS (TWELVE MILLION FIVE HUNDRED THOUSAND USD) IN AN ACCOUNT THAT BELONGS TO ONE OF OUR FOREIGN CUSTOMER WHO DIED ALONG WITH HIS ENTIRE FAMILY ON MONDAY,31 JULY,2000, IN A PLANE CRASH , SINCE WE GOT INFORMATION ABOUT HIS DEATH, WE HAVE BEEN EXPECTING HIS OR HER NEXT OF KIN TO COME OVER AND CLAIM HIS MONEY BECAUSE WE CAN NOT RELEASE IT UNLESS SOME BODY APPLIES FOR IT AS NEXT OF KIN OR RELATION TO THE DECEASED AS INDICATED IN OUR BANKING GUIDELINES AND LAWS, BUT UNFORTUNATELY WE LEARNT THAT HIS SUPPOSED NEXT OF KIN DIED ALONG SIDE WITH HIM AT THE PLANE CRASH LEAVING NOBODY BEHIND FOR THE CLAIM. IT IS THEREFORE UPON THIS DISCOVERY, I NOW DECIDED TO MAKE THIS BUSINESS PROPOSAL TO YOU AND RELEASE THE MONEY TO YOU AS THE NEXT OF KIN OR RELATION TO THE DECEASED FOR SAFETY AND SUBSEQUENT DISBURSEMENT SINCE NOBODY IS COMING FOR IT AND I DON'T WANT THIS MONEY TO GO INTO THE BANK TREASURY AS UNCLAIMED BILL. THE BANKING LAW AND GUIDINE HERE STIPULATES THAT IF SUCH MONEY REMAINED UNCLAIMED AFTER EIGHT YEARS AND SIX MONTHS, THE MONEY WILL BE TRANSFERRED INTO THE BANK AS UNCLAIMED BILL I THEREFORE AGREE THAT 40% OF THIS MONEY WILL BE FOR YOU AS FOREIGNER PARTNER, IN RESPECT TO THE PROVISION OF A FOREIGN ACCOUNT, 10% WILL BE SET ASIDE FOR EXPENSES INCURRED DURING THE BUSINESS AND 50% WOULD BE FOR ME. THERE AFTER I WILL VISIT YOUR COUNTRY FOR DISBURSEMENT ACCORDING TO THE PERCENTAGES INDICATED. THEREFORE, TO ENABLE THE IMMEDIATE TRANSFER OF THIS FUND TO YOU AS ARRANGED, YOU MUST APPLY FIRST TO THE BANK AS RELATION OR NEXT OF KIN TO THE DECEASED INDICATING YOUR BANK NAME, YOUR BANK ACCOUNT NUMBER, YOUR PRIVATE TELEPHONE AND FAX NUMBER FOR EASY AND EFFECTIVE COMMUNICATION AND LOCATION WHERE IN THE MONEY WILL BE REMITTED. I WILL NOT FAIL TO BRING TO YOUR NOTICE THAT THIS TRANSACTION IS HITCH-FREE AND THAT YOU SHOULD NOT ENTERTAIN ANY ATOM OF FEAR AS ALL REQUIRED ARRANGEMENTS HAVE BEEN MADE FOR THE TRANSFER. YOU SHOULD CONTACT ME IMMEDIATELY AS SOON AS YOU RECEIVE THIS LETTER. TRUSTING TO HEAR FROM YOU IMMEDIATELY. YOURS FAITHFULLY MRS AWOM KOKA
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Open Question: buying an item on Tazbar?

i want to buy and item on Tazbar (an internet auction site) and the only payment options are cheque, bank transfer and cash deposit. I suspect this item may be a scam what payment method if any would provide protection againts this and i would be able to get my money back like a paypal dispute?
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Open Question: Does anyone else have trouble logging on to certain accounts?

I'm having trouble logging onto my bank accounts, myspace account, and some webpage come out to be incomplete. Is anyone else having this kind of problem or is it just my internet?
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Open Question: The World Trade Center attacks damaged world economies by?

The World Trade Center attacks damaged world economies by

a. closing businesses in the World Trade Center.
b. interrupting Internet business.
c. closing banks.
d. having a negative impact on tourism and airline travel.
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Open Question: Why Not everybody whose prefer on line banking~primarily install corresponding Anti-Phishing Guard 4rm bank?

More &more "Phishing" continuiously decrease the "chance of next phishing".
Two Nigerians have been arrested in India for allegedly hacking into bank accounts of people and illegally withdrawing money.

The Nigerian men are being held for allegedly swindling people via the Internet.
The modus operandi is as~>
The gang would send bulk e-mails carrying the fake logo of a bank to account holders, informing them that there were errors in their accounts that prevented them from conducting online transactions.

They then asked customers to once again provide account details, including their login identities and password.

The Nigerians then illegally transferred money from the accounts of those who responded to these mails.
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Open Question: Cannot open a web site or cannot open the secure website or cannot open a bank web site???

If you have Issue like :
Cannot open a web site
Cannot open the secure website
cannot open a bank web site
Page cannot be displayed
Pictures are not being displayed
missing something in internet explorer or ie
or issue with ie or internet explorer

I have just the answer and I can get it resolved just run the toll I made and it will fix that problem

Just for $9.99 (payment only by PayPal)
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Resolved Question: Would efforts like Collins submarine computerization typically possess these sorts of controls ?

1/"Generally there is a transparent logging algorithm to catch anyone manipulating the figures in the software."

2/"People can mess with the software.
But important/secure use software (such as banking software) is often checked by independant programmers and companies."
4 minutes ago - 3 days left to answer.
Additional Details
1 minute ago

3/"After the code is written for each module part of the review process of any complex system is a walk-through of the code for each module with several other programmers who critique the code, line by line, and attempt to find bugs and sloppy code that needs to be corrected before it goes to the next step of quality assurance, where it is tested against a complex set of tests, sometimes called alpha testing. Any unauthorized code would be caught in a walk-through.

If it is internet software, it might also have beta testing where you invite users to test your code.
(3/continued)

It would be virtually impossible for a rogue staff member to modify the code if the review walk-through is done properly.

That said, I've worked at installations where the systems manager prevented the QA from working closely with the programming staff and no design documents were written so that no one really knew what to expect from the software until it went into production."

(terrific info from "Alan Turing", "Chris B" and "Jon")
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Open Question: I know this is a scam!! Right???

Thanks, i got all information i needed about the AD, since you can assure me the goodness of it, i will like to buy it for $2700. I am presently located in lowa and working with auditing firm, i don't have to putting check to a mail, As there are too many scams on internet as regards buying and selling with large bogus account, my mode of payment will be via electronic cashier check. Echeck is simple, secured, legal, fast and it is setup to eliminate the stress of putting check in mail for days. and it protect both buyer and the seller, for more information about the mode of payment you can check the website www.iversacheck.com and know more about it . and i have a private shipping company that will handle everything after you have your money in hand. you must received cash from your bank before my shipping company will come to pick it up. All what you just need to do is to get a business versacheck paper and versaink, cost of $52 only. Please read the rest below.
Once you have this, i will send the electronic check to your email for printing. You can then print and proceed to clear and cash the check at your bank. Am in no rush to pick up the item till funds are clear at the bank. The cost of procuring the check paper and ink will be added to the bottom price. you can get business versa check paper and versa ink, at office depot, officemax, staples or any stationary store wal-mart shopping moll around. and makesure it versa check paper and versa ink, I will be waiting to read from you soon. get back to me as soon as you get the check paper and ink. you are not the only one i asked from, and first come first serve, buy the material today, to make it faster. I blocked out the phone number.
702-***-****

Thanks God bless you.
My asking price for my van is $2500, not $2700.
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Open Question: If you give your credit or debit card information to a company on the Internet, can they steal your identity?

I've found this real estate company online that seems to have some really good deals, but they ask for a membership fee of $10. I don't really care about $10, but I want to know: if I give out my information, could they steal my identity or take more money out of my bank account?
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Open Question: Does anyone believe in "emotional cheating"?

Just out of curiosity..I saw a couple things on the tyra banks show and have read about it in magazines..its a term called emotional cheating.
Its basically where you enjoy being with someone else more than you do your significant other. For instance you're with your gf all day..but you love talking on the internet with that random girl more....or anyone really.
Essentially its basically giving "the best of your self" to someone other than your significant other.
you know what I mean?
Do you think its wrong?
There was a survey in Seventeen magazine I believe and I think something like 20% of teens believed that consistently seeing, chatting online, texting, or talking on the phone with someone other than their significant other..for purely enjoyment reasons was wrong. And 80% said that they were guilty of doing it.
Have you done this? Ever been more excited to see someone at work, then to come home and see your sweetie?
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Open Question: Do you believe in "emotional cheating"?

Open Question: I have't filed income tax in 10 years. I want to come clean. CPA help needed to untangle this?

I am sure I won't solve this here, but I would like to have some leads to get myself organized.

I do want to solve this and just want to be a regular citizen with the tax up to date. I will mention the same as another member did:
"I KNOW I'M SUPPOSED TO FILE EVEN THOUGH I DON'T OWE, BUT I'VE ALREADY ADMITTED THAT I HAVEN'T SO WE DON'T NEED TO ADDRESS THAT ISSUE. THANK YOU FOR FOCUSING ON THE QUESTION I'M ASKING RATHER THAN TELLING ME SOMETHING I CAN NO LONGER DO ANYTHING ABOUT."

It is somewhat complex:
1- I have not filed tax since 1999, although I estimated (at the time) and saved what I thought would be the tax.
2- 1999 to 2001 I started to play "entrepreneur" as everyone was doing when the Internet came about, selling junk on the Internet
privately. money was exchanged back and forth without any actual control

The IRS sent me a letter to pay taxes not filed for a student loan that I cashed(2001). The total still is unpaid. I am guessing this is because the bank reported to the IRS, yet only the loan was mentioned.

3- I had a job that issued me a W2 form 1999-2001 "self employed" , in 2000 I started paying free lancers to do the work I did, I wanted to keep the job in case the business did not do well, however these free lancers were not regular workers, I never issued any I-90 or anything that would help me to track any of these payments, except the employer
being my witness I have only dates amount and first name of the freelancers, no other proof. Unlikely I can track down must of these people All payments were cash. The only ones I was able to track down were unwilling to provide personal information for I-90, yet they only make up 20% of the total.
Is this case lost? Do I have to pay tax on what I kept?

4- Mid 2001 I incorporated had a tax payer ID issued by the IRS, that's where the major mass began. I mixed personal banking account, personal phone line and credit card to pay suppliers with business. Although I was able to separate accurately all the personal expenses and even the % that was business versus
personal. I am not sure how to separate the business.
Since I incorporate the business mid 2001 and I was already playing business man since 1999...I am unsure how to go about it. Do I have to separate them?
But I have invested money on equipment prior and after incorporation to be used for business purpose, same for goods bought for sale.

5- From 2000-2001 I had an ex girlfriend taking care of all the paper for me. She was being paid to enter itemize every single item. In the end she took the money but did not do the job, actually the opposite, she only mixed up all the papers (receipt, bank statements etc) into a huge mess stuck in boxes, which took me one month to put in order again.
It is not clear if the company made any profit or not, unlikely it did
6- Late 2003 early 2004 a live in girlfriend, took over the function of organizing all the papers, things were going really well, all papers had been organized, everything was being entered to a spreadsheet in the minimum details, till I found out that instead paying the bills she was pocketing the money, overnight she took her things and all the computer files, so months of work went back to the "starting line" again.
Without the money to pay the bills the business could not survive, I still tried to save it by taking money from credit cards to cover holes, but eventually I ran out of Credit cards.
After all these I could never put myself together again, I started drinking which I had never done, stopped paying all the bills, my credit rating was excellent went below miserable. I did not make any significant money from 2004 - 2007, if I did make any it was cash and way to low, I borrowed money from friends and family which eventually I will have to pay.
-----State tax was collected for some of the sales, yet without the information that was stored in the Hard drive of the computer that was stolen by my ex I am unable to have accurate information. Not all sales were taxed as the majority was sent to out of the state. It is useless to ty to track her down as she moved to another country and has been bouncing from country to country, and I know this information was purposely destroyed.

I was living in a room and board such a situation, I did not have to pay for living expenses.

7- Is borrowed money considered a taxable income?

8- My mother helped me from 2004-2007, although I am a full grown adult and I was not living with here, am I able to claim I was a dependent during these years? although she did not file me as a dependent. I did make less than $3k a year.

This tax mess was never cleared, but this year I took care of the depression and stopped hiding behind alcohol. I am here to face the cosnequences.
I am working on the paper work, yet I am not sure how to address these problems.

9 - I know I will need a CPA to straight this out and I am planning to do it. Any CPA out there can guesstimate what this would cost? I will borrow this money to pay an expert.
10- Let's presume that the IRS and the State will negotiate any amount I may have to pay, also the fact I am not employed at the moment, how likely is it that the amount can be negotiated to a realistic value that I can pay?

Thank you very much
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Open Question: Home computer swipe card to purchase over the internet.Ultimate security?

A computer tower and inbuilt swipe card system is greater protection than entering bankcard numbers over the internet on a internet page .Trying to hack a bankcard algarythm swipe system thats transmitting bank details is harder than a false bank page entering personal information.Uncle David.?
Greater protection on bank fraud saves trillions.
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Open Question: Home computer swipe card to purchase over the internet.Ultimate security?

Open Question: Account Closure or Transfering to Other Banks?

I had a NRE and Normal SB Ac's with SBI, I faced lot of problems for Internet Banking. Last 2 years I am following to link both the Ac'c and FD Ac's with that ID, still not suceed. Now I want to cancel this account and need to transfer to AXIS or ICICI, now my doubt is "Is it possible transfer NRE Ac and NRE Deposits to other Banks in the NRE Status itself..??
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Resolved Question: My husband was laid off last week, and is driving me crazy. What would you do?

I know it's only been a couple weeks but he has only looked for a new job during two days of his layoff. And he has been extremely relaxed especially since his unemployment was approved. Most people would consider him lazy, but he just takes a long time to accomplish things, so I updated his resume and uploaded it to the internet, and have been searching for jobs for him everyday. He says he has been looking, but when I check our pc at home to make sure we didn't apply to the same job postings, there is no history of searched websites or even our state job bank. We've been married for a year now, and I work full time and have a second job selling items at home parties. What do i do to give him a burst of incentive to want to find a new job, or should I wash my hands of him and kick him out or leave him?
I am only thinking about a part time seperation(I can't have him there when I am because it makes me so angry) , as a motivation for him to get some initiative. We've been together for 6 years and married for 10 months now, and I love him and he loves me, but when I am sweet and encouraging to him he takes advantage of the kindness and doesn't accomplish anything, he barely cleans up the house, and he's home all day.
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Open Question: help why is my computer doing this?

lately everytime i try to log into my bank details it comes up 'your time session has ended' when i just logged on.. when i try to log into my hotmail, the address in the toolbar comes up with all numbers after it and then dsnt do anything just a blank page. some site i have been on come up with no authorisation ect. Also whe i type in my passwords ect to log into my usual site i tick remember me but EVERYTIME i go back i have to fully sign in again, and if i dont touch the com for 5 mins it signs me out...please does anyone know whats going on i tried reserting the internet options well i think i did it right, lol not much of a computer genious. please help thanks darls
it has just ben doing all these things it hasnt done before, what is os?
could it have anything to do with the firewall? just guessing
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Resolved Question: I have been receiving emails from strangers telling me that i am a beneficiary of someone from nigeria.?

are these one of those internet scams?
here is a sample of the email i received -

OFFICE OF THE AUDITORGENERAL OF THE FEDERATION.
Attn: eguehgieghehgoegerio.

I am Dr. Michael Eke, Auditor General of the Federation. Federal Republic of Nigeria.

His Excellency, President Umaru Musa Yaradua ordered for immediate Review and Auditing of all foreign payments for the immediate payment to the Bonefide Beneficiaries. Upon this Decision, the president inaugurated this office to investigate and Audit all the desolved tax forces on payment from the Central bank of Nigeria {CBN} Since other commercial banks losts its credibility during the Military regime. This office was mandated to pay off any Beneficiary certified OK after the review of recounciliation.
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Resolved Question: I have been receiving emails from strangers telling me that i am a beneficiary of someone from nigeria.?

are these one of those internet scams?
here is a sample of the email i received -

Voting Question: Before I go through all the problems again. I am comming to you guys for help.?

I would like to know, What is the very best Internet security suite? Price is not a problem, But i would like to Try it out first. It should have a feature that will keep someone from getting my bank info and if possible, notify me right away, Maybe even if someone tries to hack in it will lock my internet conection. I Hope this is not asking to much. Thank you.
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Voting Question: How can Bethea Jenner still get away with calling herself 'psychic' after being exposed as a fraud?

Are there no international laws which can be invoked for this kind of internet theft? This Bethea is known to the police as documented on various international websites. She isn't at all psychic. She sends out junk mails with the same info on to thousands of people, electronically, every week in order to separate people from their cash in the easiest way known to man: pretend you can see into their future. She is involved in an internet scam which has been detailed on the internet and elsewhere (type her name into any search engine). The company gets the bank details of some unlucky fool who buys a piece of pretty junk jewellery then they continue to take money out of the account on a weekly basis. What worries me is that Yahooers are still asking if she is genuine so people are still falling for this fraud. I just don't understand how someone can continue to illegally withdraw money from people's bank accounts, as documented all over the internet, and yet nothing is done to stop it.
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Resolved Question: I am trying to get my money back or replacement from a cosmetic company online. Can my bank help me?

Hello all

I purchased a product over the internet and it was faulty. I tried calling several times with no success at all - or someone would say they would call back, and they never.

I also sent an e-mail, but it was after the 30 day back guarantee because I could not speak to anyone regarding my problem.

I am not from America and I know that in England I could report this matter to Trading Standards there, could the bank help me or is there another organizing body that could help me?

Sensible questions appreciated.

Thank you in advance. =)

Website: www.cosmeticmall.com - I have tried so many times with customer service and I am getting no where!
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Voting Question: How to Access the ING VYSYA Internet Banking?

Hello friends, I have an account in ING VYSYA bank. I apply for the internet Banking. They send the pin number but it is not working. Can any one give me a suggestion.
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Resolved Question: Anyone having trouble using Nationwide building society sign in page?

Just tried to sign in and the page has changed,instead of the usual 4 drop down boxes which randomly ask for 4 numbers from your passnumber,they are now asking for all of your passnumber.When I typed it in,it's saying it's the wrong passnumber.Is this a site problem and has anyone else had problems this morning (internet banking)
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Voting Question: HOW CAN I GET MY BANK DETAILS? so that i can be paid?

is there a way i can do it on the internet because i need my bank details by tomorrow morning and the banks are closed and if i dont give it to them i wont be paid. :o HEEELLPPP. by the way im with ANZ Australia
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Resolved Question: Can an account for a direct deposit payment have leading zeros?

Hi everyone, got a strange question today.

Here is the situation:

I wish to deposit some money into another persons bank account via the internet.

Their account number is 111222333.

However, when I enter the account number into my internet banking, I accidently add 00.

Therefore, the account number becomes 00111222333.

Would anybody know whether this would pose a problem, or do banking systems usually disregard leading zeros in account numbers?

The reason for the question is that I have someone who made some direct deposits but they were rejected after they put two leading zeros in front of the recipient's account number. They argue that it should not have mattered and it's world wide practice for banking systems to accept leading zeros. I need to find the truth!

Thanks!
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Resolved Question: Im seeing my neighbors limewire list in my iTunes?

I have wireless internet and I know she does too. I see her name under "Shared" on my I tunes. Can she see mines? Or any kind of activity I do on the internet? I'm worried since I buy a lot on line and check my bank accounts. What can I do?
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Resolved Question: how would i buy NASDAQ or S&P stocks? Do I go to my bank or can I buy them on the internet?

The name saids it all.. please help!!
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Voting Question: 18 years old, where can I apply for a credit card?

It seems that everything on the internet revolves around having a credit card. Even "all-age" video games with online subscriptions. Ironic there. It's just that I don't have a credit card and I feel uncomfortable about asking people that I know since there's usually an issue of privacy there - as there would be.

Anyways, I'm 18 years old, and I want a credit card that I can use for simple purchases that I can pay off easily. Nothing over $40.00, and because I also heard that if you get into the knack of easily keeping your credit card paid off, you get good credit.

My bank rejected my interest and said that I had to be 19, yet I see all of these commercials on TV for special deals for 16 year olds and such. Sounds really odd to me.

Would appreciate any insight.
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Voting Question: Can I bank with Grameen Bank?

I have been searching the internet trying to sign up for an account with Grameen Bank so I can help fight world poverty and at the same time maybe earn a decent interest rate on my couple hundred bucks or so. I have found tons of info, but nowhere to deposit money. If anyone has an investment with Grameen Bank, your help would be appreciated.
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Voting Question: Which internet suite is used by popular direct bank such as ING Direct, Egg? What pricing model for d. bank?

There are too many internet banking suites in the market. We need to make a choice. I will rather go with what successful direct banks are using.
Since direct bank products are expected to be cheaper, I like to know how they price their products: is it per transaction or monthly fee?
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Resolved Question: Has anyone here had a good credit card experience with Juniper Bank?

I keep getting solicitations from Juniper with enticing balance transfer APR's, but on the other hand, the internet is full of stories from consumers who claim they've been blatantly ripped off by this bank.

I'm unsure whether I should take the chance.
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Open Question: How can you trace internet bank transfers?

Someone has 3xs withdrawn funds and I have no idea who. The bank gives a phone no which is constantly busy (phony) the net address is subscribe 101.com which goes back to my space who says they don't charge.what can I do?
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Voting Question: Banking Question: Safety of giving out routing & account numbers?

I have a small business. A customer wishes to pay by "wiring" me funds (an ACH transfer I presume). What risk is there in giving them the routing and account numbers?

I note that when I pay bills online via the internet that's all that was needed to generate an ACH debit. Doesn't that mean a customer with these numbers can do the same? Not that I don't trust them but not sure I want anyone to have this ability. Is the only "safe" way to do this to set up an extra account and have them deposit into that, and then immediately transfer the funds over to the regular account and only keep enough in the new account to keep it open?
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Resolved Question: I'm sending money over the internet to my buddy...will my card company call me?

Im gonna send them a gift card, but im gonna order it online.

My bank is washington mutual and my card is debit.

Its only a $20 card...do you think they will call me to make sure im the real holder?

OR! i was on hottopic.com and it said if i change my billing address to another one thats not on the card, they may call me to confirm it.

see, the gift card is for my buddy - not me. so, why would they, right? but they dont ask me to put down their address - they ask for mine because they assume i want it to mail it or whatever...

i cant mail it to make a long story short and i cannot have the card company call my house... so, do you think its risky? do you think theyd cal? which would be safer?
haha im not lying.

thanks
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Voting Question: If everyone in the world were like you, what industries would explode with profit, suffer, and fail?

If everyone in the world were like you, as far as spending habits, what industries would explode with profit, what would suffer, and what would downright fail or tank? When picking what industries would explode, pick things that you buy all the time or spend a lot of money on or time doing. Same with industries that would fail. For suffering, pick things you do sometimes.
Explode: American fast food, travel by air and car, chain restaurants, the credit card industry, EVERYWHERE would accept cards (even vending machines) because no one would carry much cash, banking, computers and internet industry, satellite tv, and you think the porn industry is already a multi-billion industry? Partying, booze.

Fail: Sports (playing or watching), anything having to do with sports (clothing and equipment).

Suffer: Grocery stores would get smaller because I rarely cook. Starbucks (I like it but I'm not a coffee drinker),
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Resolved Question: Is it legal to use a computer in a neighborhood to access the internet?

When I have doubts as to my systems connectivity I will search for a usable router in the neighborhood. This is generally used to check my Email or my bank account, usage about 10 minutes. My son, a computer architect, tells me it is perfectly legal and not to worry about doing this. I could of course go to the Public Library but it's a longer drive. Thanks
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Resolved Question: Nervous breakdown?

First off lets start with everything that has happend since the start of 2008 Jan 24 I had my son Sidney. Feb 1 I went back to work after having a c-section. My job laid me off yesterday. My gas is on disconnect and supposed to be disconnected tommrow I went to the trustees and got some help but they said it would be 3 days and they wont pay the reconnect fee of 58 dollars. I also cant use energy assistance anymore because I used it month before last. My mother is living with me and not working. My step-son came to my house with scabies and I had no idea, then his mom wouldnt come get him for 4 days. My car broke down and needs a fuel pump which is between 200-800 dollars some have said I can get it off the internet for 80 dollars but I would still have to pay someone to install it. I dont have 3.00 dollars to my name in the bank so I am not able to catch the bus. My childs father got locked up today because someone stole his credit card and he beat the guy up. He also got called for a interview I already have food stamps and wic I filed unemployment when I was six months pregnant. And I got laid off because there wasnt enough revenue coming to the business. My brother was shot two weeks ago seven times. His girlfriend would not tell us where the funeral was going to be held just found out it was today i cant stop crying I wanted to see him one last time and for the horrible people on here that think I am lying because my internet is on well let me tell you my mother was paying for it now she has no job and hasnt since my son was born it will be getting shut off shortly. I really dont want pity either I just feel alone. I have no one me and my mother argue all the time and have since I was 12 she hasnt even hugged me in three years. Im an only child my mother is all I have now that my boyfriend is gone.
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Voting Question: Nervous breakdown?

internet-banking

Friday, April 11, 2008

Open Question: Victim of a SCAM on the Internet!!! be very careful.?

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