Monday, December 31, 2012

The Nigerian Scam Develops New Tactics

The advance fee scheme and the "4-1-9"fraud is known world wide as the Nigerian scam claiming you are entitled to a large amount of money which has various formats but is basically very similar. One indication of the Nigerian scam is they request your personal details. The Nigerian scam steals money from people with lies and deceit.

The new Nigerian scam is very sneaky and covert with their new tactics especially in obtaining your email address and the initial contact is directed at building a rapport with you through personal emails.

Some of their focus is concentrated on sites like article directories by giving a positive comment to your article and sending a personal message through the article directory site.

Most emails addresses have received emails that are related to the Nigerian scam using various business names and banks.

The current Nigerian scam involves them using article directories to contact writers with their story of wanting to befriend you and send you their photos. So on outside it appears very innocent, through exchanging personal emails.

They contact article writers through directories that distribute your article and forward contact details to you which is the start of the Nigerian scam unfolding.

The web of deceit is spun with a poorly written email complementing you to draw you into the Nigerian scam. It may include how they rated your article or that they felt some sort of connection to you. SNEAKY!

Curiosity made me reply using a dead email address. The reply to the Nigerian scam email was simply I was confused about the content of the email. Several days later a reply was given.

The Nigerian scam relies on the recipient's empathy by spinning a web of deceit with a tragic story of the death of both her parents in front of her and escaping to a refugee camp at Dakar Senegal.

The reply email from the Nigerian scam is easier to understand and the story line makes you feel sorry for her and making it more personal with the photo.

The Nigerian scam photo doesn't fit in with my expectations of a refugee, the background seemed to be of a pub or bar not a church and she seems to have a smug smile on her face and definitely doesn't show signs of stress and trauma.

My name is Olivia Konan I'm 24 years, from Ivory Coast in West Africa. I am 5' 7" tall, fair in complexion Single (never married before) I am presently residing in the refugee camp here in Dakar Senegal as a result of the civil war that was fought in my country.

Another alias name for the Nigerian scam is Tata identical emails and photos of the same girl in various shots so the Nigerian scam baiting uses the sad story to lure or bait the next victim.

My late father Dr. Herbert Konan was the managing director of Konan's ventures (Ltd) and he was the personal adviser to the former head of state before the rebels attacked our house one early morning and killed my mother and my father in cold blood.

The Nigerian scam is using baiting with the death of her father Dr. Herbert Konan and when you google this name you will find that it is a serial letter aimed at scamming people and you may even find the follow up emails and more photos from other people who have received the Nigerian scam baiting emails.

The ingenious and inventive scam of the Nigerian scam baits people to frisk them of their cash so always be alert to new tactics that may be used

Copyright (c) 2009 Vivienne Moore

Friday, December 28, 2012

Avinash Narula Management Guru & Customer Mathematician

If you are looking for a motivational, keynote or inspirational speaker for your next convention, sales team meeting, dealer conference or employee meeting, you have reached the right place. Avinash Narula, one of India's most respected speakers, is a passionate and dynamic speaker who blends theory, practice and his original thought into a motivational, uplifting, enlightening, inspiring, educational and an entertaining experience. Rest assured, he will ignite the passion in the audience.

Avinash Narula engages his audience by using real life examples and personal experiences. He customizes his talk so as to relate to his audience. The audience feels that he is just one of them. Avinash knows how to get his audience's attention. He likes making a dramatic statement to gets everybody's attention and then goes on to convey his message. He involves the audience in his talk. His passion and belief in the topic of his talk combined with his knowledge and real life examples inject excitement in everyone. He captures the audience's attention and hold them spellbound. His message will be inspiring, refreshing and original. He will make you reflect, think and laugh.

What makes him such an exciting and dynamic speaker?

1. Simple and interesting thought process As a management trainer, professor and speaker, Avinash has had to explain management concepts in a simple and interesting manner to his audience. He even wants his books and articles on management to be interesting to read and needless to say jargon free. He says, "Generally management books are dull and boring. I want my books to be easy to read and interesting. I want to be the James Hadley Chase of management books." 2. Excellent public speaking skills Most of the time Avinash speaks extempore and without any help from the notes. This is because he speaks from his heart about his passions and experiences. 3. Extensive use of examples Avinash feels that real life examples are the best way of explaining management concepts in a simple manner. He make extensive use of examples in his talk. He says, "Examples are the best tool available to convince others of your ideas. They are also interesting to hear and read." 4. Tells a good story Avinash is obsessed with developing a convincing "story" which is logical, sequential, concise and with a smooth flow - the subject matter of his third book. As such, his seminars and motivational talks are excellent convincing stories that the audience relates to. 5. Blending theory, practice and original thought Avinash likes mixing theory with practice and experience so as to incorporate a touch of reality into the discussion about the management concept. 6. Diversified background Just like his books, Avinash Narula has a very interesting and diversified background. He is an entrepreneur, management professor, author and trainer all rolled into one. He has had nearly 30 years of professional experience in India and in United States. His diverse educational background includes a B. Com degree, an MBA degree in Marketing and Finance and a B.S. in Hotel and Restaurant Management. He is also a Certified Public Accountant. He has been a recipient of a number of scholarships.

Saturday, December 15, 2012

How To Save Money When Using Your Iphone Abroad

If you're set to go abroad this year, make sure you're completely aware of the charges and costs associated with taking your iPhone away with you. The idea of uploading the latest snaps, checking your e-mail and Facebook, and keeping in constant contact with friends and family may seem like a fun, but in reality, you'll incur some pretty heft charges as a result.

Therefore, before you travel, read through the following tips and advice to ensure you don't get the shock of your life when you return home and see that phone bill. This way you'll know the most effective ways of saving money, and avoid those unwelcome charges in the meantime.

Avoid Data Roaming

This is a huge problem when taking any mobile phone abroad. For iPhone users, and in fact other Smartphone users, you can avoid data roaming charges by simply using free Wi-Fi. Make sure you switch off data roaming first, by accessing Settings, General and then Network. If you want to get online and check e-mails or Facebook, make sure you do so when signed into a free Wi-Fi spot. Your hotel should provide this, but also check for other areas for free Wi-Fi spots. You can do this using a variety of different apps available.

Check Your Tariff Options

Before you travel, always check what your tariff entitles you to, in terms of using it abroad. Some tariffs will be very basic and not offer any sort of rates abroad. In this sense, when you land, your network will roam onto a network within that country, where you will be charged extortionate amounts to send and receive calls and texts etc. Therefore, if you know you'll be regularly using your phone, ensure you're on a tariff that enables mobile usage at a fair rate. For example, all major network providers have options for mobile usage abroad, and all vary in price and what they offer. So be sure to check with your provider before you jet off.

Change Your SIM Card

Another way of making a huge saving is to either change your SIM before you leave, or to use a local one when you arrive at your destination. Changing your SIM to a global one is perfect if you want to use your phone as you would in the UK; for texts, calls and data usage. Alternatively, you could get a domestic one relevant to the visiting country. This will ensure that you only pay local rates. You just need to top the phone up with credit, which can be done online or at specific retailers. For some SIMs, you'll be able to keep your number, but if you're getting a local one, then your number will be different. Just be aware of this.

Be Prepared

The more you prepare for your holiday, the less chance you'll incur extra costs. This is referring to backing up information stored online that will be vital for when you're out there. For example, if you need a local map to find the location of your hotel, instead of trying to access this via the Internet enabled map feature, simply take a screenshot of the map and store on your hard drive. iPhones have an excellent feature that enables you to capture what's on your screen. Simply hold down the Home button, and hit Power/Sleep, to capture what's on your screen.

Get Insured

Whilst iPhones are incredibly popular and useful, they're also particularly expensive. This means that they are quite a sought after product, and whether you're in the UK or abroad, there will always be someone with a keen eye for it. Not only that, but when on holiday, there is a higher risk of your phone getting broken or lost. Imagine if you didn't have some sort of insurance to cover the cost of a new iPhone if you needed to replace it. Therefore, it pays to get insured before you leave, safe in the knowledge that if something happens to it, you'll be protected financially.

Sunday, December 9, 2012

Should You Choose Your Own Closing Agent?

In the process of buying a house, you have to make decisions about a number of aspects, including your loan options, choosing a real estate agent, getting the house inspected by a professional, etc. Similarly, when it comes to closing a real estate deal, you may wonder whether to choose your own closing agent. But before making this decision, you need to first understand who a closing agent is and what role he or she plays in closing a deal.

A closing agent is a person or a company who coordinates all procedures and formalities required to complete the sale or purchase of a property. He or she ensures that all documents are in order before you sign a deed and also interacts with your lenders to obtain details concerning the disbursement of funds and closing instructions. Once all these documents have been gathered, the closing agent prepares a settlement statement and the required affidavits.

In general, a closing agent does not work for a buyer, seller, lender or real estate agent. However, he or she may have to work with all these parties to obtain the necessary documents, such as the sale contract, inspection report, home warranty documents, and so on. The closing agent also ensures that you are in agreement with the opposite party that all papers obtained are in order and collects checks required for covering closing costs and other deposits.

Lastly, the closing agent records the deed and mortgage with the appropriate courthouse, and then he or she returns the original deed to you and the original mortgage document to the lender.

Why Hire a Closing Agent?

First of all, an experienced, reliable closing agent can close a deal smoothly and more rapidly and help you avoid a complicated or delayed closing process. Secondly, closing agents have vast experience in real estate transactions, and therefore, they have better knowledge about the types of loans available and which loan would suit your needs best. They also draw up all the necessary paperwork and handle the payoff to the seller. This drastically reduces the burden on you.

So Should You Choose Your Own Closing Agent?

While as a buyer you reserve the right to choose your own closing agent, it is wise to enlist the services of the closing agent affiliated with the seller. This is because sellers work with a regular set of closing agents who are well accustomed to all procedures and formalities. For example, when it comes to REO properties or bank owned houses, the closing agents working with the bank may have more experience with the paperwork necessary to complete the closing, as opposed to someone chosen by you. Sellers also prefer to work with these agents because there is a mutual understanding of their Service Level Agreement (SLA) and turn-around-time. This makes the process much smoother.

For you to opt for your own closing agent, you must be familiar with closing agents in your state, which you probably are not. Leaving the choice to the seller comes with other benefits too. Most sellers offer to pay for your title insurance policy and other related search fees as an incentive for allowing them to choose the title provider and closing agent. And by leaving the choice of closing agent to the seller, you can ensure a faster closing time.

Tuesday, December 4, 2012

General Idea On Auto Finance

Buying an automobile is such an exhilarating thing. If your budget is limited, there are copious numbers of models and add ons to choose from. Once you decide what you want to buy, the next step is looking at the auto finance options. One of the most expedient and cheapest mode to fulfill the desire of owning an automobile is auto financing. Auto finance means financial assistance given to an individual for buying an automobile like scooter, bike, truck, car, lorry and any other automobile as per desire of the buyer and which is simple to repay till its last installment. Ontario auto finance is combination of these factors: Low rate of interest, long repayment period, Low miscellaneous cost, No hidden cost, Flexible terms and conditions. It is also known as auto loan. Its repayment amount depends upon three factors: Amount financed, loan term and Interest rate. These factors are the core of any financing deal.

Amount financed is the amount financed which will be equal to the difference between the cost of an automobile and the amount which the buyer can arrange himself. Loan term means period of repayment. Generally, the lender offers lower monthly installment when the repayment period is longer. Interest is return to the lender for undertaking risk on providing finance to the buyer and, these can be taken into account as charges for the buyer. Interest rates is decided and settled on the basis of certain factors such as prevailing market, base rate, amount borrowed and credit score of a person. As a result, interest rate differs from person to person. It is also recommended that the buyer must be aware of all terms and conditions of the financing deal. He must make sure that the deal doesn't compromise of hidden cost, as making such undesirable payments regularly increases the cost of the financing.

Ontario auto finance while providing finance for an automobile, the person with poor credit score needs to pay high rate of interest compared the person with good credit score. They are of two types: secured auto financing and unsecured auto financing. Secured auto financing is finance where borrowers offer collateral against the financed amount and in return the lender proffers low rate of interest as he feels secured. Unsecured auto financing is exactly the opposite of secured auto financing. In this financing, the borrower does not offer collateral against the financed amount and in return the lender proffers high rate of interest as he feels unsecured and doubt on creditworthiness of the borrowers. The buyer must look for such a lender which have appropriate match with the financial needs and requirements of him.

Saturday, December 1, 2012

With faxless payday loans, tension is miles away

The entire loan market in United Kingdom is going through a phase of 'credit crunch'. This tough phase was the result of the liberal policies that most of the lenders adopted across the whole of UK. The result of these liberal policies was soon to be seen as the lenders who earlier gave loans in anticipation of earning huge profits, found it extremely hard to recover the money, as most of the borrowers failed to repay the loans back to their respective money lenders or the lending authorities. This situation created doubt in the mind of lenders, and most of them started backing out. The effect of this move was there to be seen as most of the lenders declined to entertain any demands of loans much to the dismay of the genuine borrowers. Though even today the entire United kingdom loan market is facing credit crunch, but still there are lenders who are willing to give loans to the people who are in need of them.

Faxless payday loans are the type of loans that are mostly unsecured in nature, as they are available at a very short notice. Known also by the name of payday loans, these faxless payday loans are called by such names as they require no extra needless formalities such as faxing, documentation and many others. Although these loans are also available in the form of secured nature but in that case they can be availed by the person in question, presenting the next payday check. Besides these, the person should also have a permanent bank account and the permanent residence. Since there is no credit check for availing this loan therefore these loans are tailor-made for the likes of people suffering from the bad credit score.

These loans are available in the bracket of 80 to even 1500. People normally avail these no fax payday loans for meeting immediate expenses such as hospital bills, marriage expenses & even for holidays. People even take up these loans for meeting the expenses relating to the cars such as breakdown, repairing and others. But as it is well known fact that the people of United Kingdom are highly literate in finance related aspects therefore they always know what to look for in a loan deal. For them the main concern is that whether the particular loan like these no fax payday loans is providing them with extra benefits such as tax benefits, investment or any other extra facility or not. For this now they are also taking the help of Internet, which has emerged as one of the most potent method of searching the best deals. This is a method which not only is cost efficient but also saves the person from all kinds of labour, mental stress or tension. What it does to the loan aspirant is that it brings them an exhaustive list of money lenders or the authorities across the whole globe, at their footstep. Another best part is that the concerned loan aspirant can compare the deals, research about them and even interact with the lenders. These all ultimately help the borrower to get the best deal.