Category Archives: Economy and Meltdown

Having Trouble With Click Fraud?

Click fraud involves the process of intentionally clicking ads listed on your website for the purpose of earning money rather than intending to view the products of the advertiser. Adsense involves placing ads on your website for other businesses. The way your website makes money is determined by the number of clicks to the advertiser’s link. Most websites who participate in Adsense are honest. However, the issue of click fraud is happening more often on the internet as the owner’s of some websites have found it an enticing method of generating more money from the advertisers.

With the onset of click fraud, software has been designed to analyze data based on the traffic to a website. This information is used to determine the possibility of click fraud. If you advertise this way you should invest in click fraud software or you may pay more for advertising than you should be. This software costs from $99 to $299, so it is very cost effective. It is believed as much as 20% of the cost advertisers are paying out each month is due to click fraud. With 3.2 million dollars generated each year for this type of advertising, 20% is a very high dollar amount to be losing!

A common method of click fraud involves an online robot that clicks away at the advertisements listed on a particular website. This is the quickest method. Others either do it themselves, clicking away at the ads on their own website or they hirer others to perform the task for them at a price much less than what they receive in return from the advertisers. Sometimes click fraud is done not to make money but to sabotage competitors. This is done by finding websites that advertise for them and continually click the ads. This will then cost that competitor a great deal of money they have to pay out for advertising without any hopes of generating additional sales from that cost.

Those who participate in the act of click fraud should be very careful. There are strict guidelines in place by Google to protect the reputation of their Adsense operations. Anyone caught participating in click fraud will be banned from further advertisements on their website. Google has invested 2.7 million for their Fraud Squad. They feel this investment is worthwhile though as click fraud is a serious issue. It has the potential of destroying the entire advertising industry online as we know it.

There are legal issues involved as well. A California man was charged with obtaining more than $150,000 due to click fraud in 2004. He has been indited by a Grand Jury. However, there are no state or federal laws yet against click fraud. This particular man was only indited in his scam because he came clean about it with Google in a blackmail scheme. He was going to sell his secret of how he did it to Google for another $150,000. If they didn’t give it to him he threatened to keep on doing it. If we can get state and federal laws to see click fraud as a classification of fraud with the possibility of a felony charge and jail time it may deter the amount of click fraud that takes place.

As a provider of such advertising don’t be tempted to click on the ads yourself or with an automated system. The risk of getting caught is very high as are the financial and legal repercussions. As an advertiser pay close attention to high changes in advertising costs through Adsense. Take the time to question these increases. Is it click fraud or great increases in traffic? Have sales increased? It is a great idea to invest in click fraud software as well to protect your business as well as your advertising budget.


Terry Detty, 42, enjoys his time away from work and getting out for a breath of fresh air occasionally. Need Search Engine Marketing, Search Engine Marketing Software or Meta Internet Search Engine

Bank Fraud – Attacks From Inside and Out…

According to US federal law, bank fraud is knowingly committing or trying to commit some deceitful scheme to…

1. Defraud a financial institution; or
2. Obtain funds, assets, credits, etc., under the control or custody of a bank or financial institution
through fraud, misrepresentation, or false promises.

The maximum penalty for bank fraud is $1 million. The maximum punishment is 30 years. The court may mete out one or the other or both.

Not Necessarily a Bank

Although the crime is called “bank fraud”, it’s a mistake to assume that the law applies only to fraud against banks or financial institutions. The second subsection of the law also includes funds that are in the “control or custody” of the bank. So the bank need not be the loser in the fraudulent act.

For instance, a perpetrator engages in fraud that results in victims mailing him checks, which he cashes at a bank and pockets. The perpetrator could be charged with bank fraud. Forging checks (or the endorsements on them) could also be subject to charges of bank fraud.

Making False Statements

Federal prosecutors often charge perpetrators of bank fraud with making false statements to financial institutions. Making such false statements is defined as
1. Knowingly making a false statement, or overvaluing property
2. To influence in any way
3. The action of a bank or financial institution.

This is also a federal crime and carries the same maximum penalties as bank fraud.

Insider Bank Fraud

There are seven bank fraud schemes commonly perpetrated by persons operating within a financial institution. These are

1. Demand draft fraud – Typically perpetrated by a corrupt bank employee who makes a demand draft payable at some distant location without debiting any account. It’s cashed at the remote branch.

2. Forging or making fraudulent documents – Usually done to conceal a theft

3. Identity theft – A corrupt bank employee may give personal info to an identity thief who could obtain credit under the victim’s name.

4. Making fraudulent loans – A bogus company or one that soon declares bankruptcy takes out a loan with the collusion of a corrupt bank officer.

5. Rogue trading – Perpetrated by a highly placed bank exec, rogue trading involves using the bank’s funds to make speculative investments to make a quick profit. If the speculation pays off, the rogue trader pockets the profits. If losses come one after another, a scandal may ensue, and/or the bank may collapse.

6. Uninsured deposits – Some banks are not licensed to operate and are therefore uninsured (or vice versa). For instance, in 2002, a Washington bank called Chase Trust Bank was found to have no license after it was exposed to be unrelated in any way to New York’s Chase Manhattan Bank.

7. Wire fraud – Banks use wire networks to conduct business among themselves. Wire transfers are nearly impossible to undo and are thus vulnerable to corrupt insiders.

Outsider Bank Fraud

Following are a dozen common schemes perpetrated by people who are usually outside the financial institution, but nonetheless charged with bank fraud:

1. Accounting fraud
2. Booster checks, where un-cleared checks are credited to boost a credit balance
3. Check kiting, where cash that’s in transit (i.e., nonexistent) is stolen
4. Duplicating or skimming card data, copying magnetic stripe info off a card for duplication
5. Forgery or altering checks
6. Fraudulent loan applications
7. Identity theft
8. Internet fraud
9. Money laundering
10. Prime bank fraud
11. Stealing checks
12. Stealing payment cards


We all want to think we are safe but are we? If you want to know more about the different types of crimes committed today, RecordsSiteReviews.com is offering FREE ACCESS to its Criminal Records Information section. If you have a nagging suspicion on someone, run a criminal check on him or her today!

Timeshare Scams Uncovered

It seems every day now I hear another timeshare scam . The timeshare industry is known for scams. And when you hear the scam you wonder how people fall the scam. That’s until the scam happens to someone close to you. Recently, a family member (Walter) told me he was called by his timeshare resort company to rent his week out for him. The more I heard about the story, the more I smelled a scam. Let me tell you about timeshare scams, the tell-tale signs of a scam, and how to avoid timeshares scams so you don’t find yourself falling them .

Walter told me that the resort developer could rent the week for $2,500 and they would charge him a $1,300 up-front fee. I thought that sounded a little fishy . I was surprised that a resort of that stature would do that. So I asked some more questions. I told him to have them call me to talk it over. Let the fun begin.

The company rep called me and I had my questions ready. It turns out that it wasn’t the resort developer at all. It was some company from Florida. They explained to me that they could rent out his studio week in Cancun for the “standard rate” of $2,500. Obviously I challenged that. The more I dug, the more I found out. They weren’t “renting” the week since they were not Realtors. They weren’t handling the transaction. The only thing they were offering was to advertise it. And if it didn’t rent, there were no refunds. No specifics about how they advertised either. While on the phone I did a quick Google search on their name and story after story came up about people they had ripped off. The story was always the same. The company took the customer’s money and ran. The amounts of money they charged varied but the ending was the same. Suffice it to say I told them to never call me or Walter again. SCAM!

So what are the signs of a timeshare scam? Let’s review them.

* Don’t pay an upfront fee – As soon as they ask for that, run. Once they have your money, they have absolutely no incentive to work.

* Verify everything they tell you . Every scam is always the same. It’s some call center operation in Florida making outbound calls to elderly timeshare owners. They sound very friendly on the phone but you have no idea who they are. They will tell you what you want to hear. Check Google, the BBB, and the State Attorney General.

* Tip: Tell them you are recording – To ward off scammers I always tell them I am recording the call and ask for their permission. That usually puts them back on their heels. You’ll know right away who is full of it.

* Get specific – I asked them specifically “You are going to rent this for $2,500?” The answer I got back: “No, we are not realtors. We can only advertise. And there is no guarantee we can get $2,500. It depends on how flexible you are on the offers we get.” Once I started asking questions, the whole story came crashing down like a house of cards.

* Suggested Questions: What specifically are you doing for this money? Is there a refund? Are there any complaints currently filed against you with the Better Business Bureau ? Can you show me proof in writing that you have rented units before for this price? Is there a way for you to get paid out of the proceeds of the rental?

Timeshares are fun but the industry does have its fair share of scams and then some. However you get there, IntervalWorld or RCI.com, timeshare vacations are great for the family. But remember “Caveat Emptor” (Buyer Beware). The victim feels powerless by the caller. Trust me; you are smart enough to handle this . Just ask a few questions and you’ll be surprised at how quickly you get that feeling in your gut. And once you get that…hang up.


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How To Best Spot Online Scams and Frauds

Online scams and frauds are big business, but only for the scammer and fraudulent delinquent. The problem is that half of the guilty parties who debut these scams to make money, honestly do not have precise intentions to unveil them as scams and rip offs to take your money. Most of these guys just have a quick, not fully thought out plan or system to offer, and really do not care how it works for those who buy into them.

Now there are some who are specifically out there just to take you. For example, the notorious email scams that have been pretty viral the last several years. Usually they are from Nigeria or some other African country, with promises of millions to you, and all you have to do is pay the transfer fees. Yeah, right.

First things first, normally these scams and frauds are presented in magnificent fashion, with promises of huge amounts of money, and only a few buttons to click to receive these massive returns. Now contrary to what most believe, there are ways to make massive amounts of money online, and fast, but there is work to be done in order to get these payouts. If there is no clear strategy given on how to receive this money, than more than likely you can chalk it up as a scam or fraud.

Even these systems of gaining huge amounts of traffic to your site or affiliate link with only a click of a few buttons are, in a word, unrealistic. Now do not get me wrong, as I have stated, there are ways to get these huge payouts and even hoards of traffic very quickly, but some work has to be done in order to reap these benefits.

There was one so-called email scam that existed that claimed it was highly noted by Oprah, 20/20, and even CNN, and people were making anywhere from $40,000-$800,000 in less than a month. The thing with this email was that it actually was not like any of these scams and frauds. However, it only worked if people bought into it. Of course, very few did. And since only very few did, not many people saw this kind of money, and most simply labeled it an email scam. This was a case where skepticism outweighed faith, and a bad name was given to something that could have worked for everyone who received this email. Plus, most people do not have a great, responsive email list to blast to, and copy and pasting was a bit tedious.

Understand that these scams and frauds are real. And there are people out there that only want to take your money, with no conscious at all. However, just because something is not of your forte, does not label it a scam. Do your due diligence first. Find out more about the particular product or system you are reviewing. Ask around! When all else fails, weigh your options and make a decision on whether or not that particular product or system is even worth your money and time to invest in. Nowadays, most programs have a money back guarantee. And if your transaction is made through mediums such as PayPal, you will get your money back.

The bottom line is, if there are claims of you standing to make thousands overnight, and there seems to be no kind of work to be done, it is more than likely a scam. A lot of these salescopy pages for these scams and ripoff sites are dead giveaways anyway. Check the administration or customer service email and ask questions. Most of these sites will not even give you response in the first place. Find out more. If the product or system is genuine, it will be brought to light before you dip into your account for them.


Harold S is a seasoned internet marketer and writer of over 5 years. His work ranges from CPA approvals to video marketing. With a concentration on creating income streams online with the least amount of work, he has decided to focus more on giving insight via article marketing. Click here to view his partnered blog site: http://www.makingmoneygiving.com/Larry-Sabers-blog

Home Business Scam: Watch Out for These Latest Scams!

are becoming more prevalent these days because of the increased popularity of home based jobs. It is sad to see people falling into the trap to such Cons and usually these Cons are pointed at , the elderly and also disabled people. If you are looking for a work at home career, then you must know how to determine these scams and avoid becoming a victim.

Here are some examples of some work at home business scams:

Scam #1: Envelope Stuffing
This is the classic con which many of us has come across at least once in the past. You see an advertisement or a junk mail announcing that you can gain $1-$2 for every envelope you stuff. Sounds like you can earn money easily, right?? Think again. Most of the time, you need to pay a start-up fee of somewhere $30 or more to join the envelope stuffing program. When you receive the start-up package, you realize that the instruction tells you to spread the word about this envelope stuffing business, then you will get paid. The trick is that they want you to help in earning the start-up fees by sending out the same junk mail you received in the first place. The trick is to get your start-up fee (your money!) first before you realize how this home based business scam really works.

Scam #2 : Processing Medical Bills
This requires you to pay anywhere from $300 to $900 for the tools you need to start your own medical billing service at home. They will promise you some advanced billing software as well as a list of would be clients in your neighborhood. Don’t you think that most medical institutions would process their own medical bills or outsource the processing to a legitimate company, instead of individuals with no experience or knowledge whatsoever? When the package arrives (if it ever does!), you will find that the software is not up-to-date or does not work at all and the list of customers is just plain wrong. Chances are you will never be able to get a refund..

Scam #3 : Craft Assembly
In this home based business scam, you are told you will be given an extremely huge amount of money for every toy, doll, jewelry or other craft item you assemble at home. In order to start, first you are required to pay a start up fee to receive a starter pack which includes instructions and parts. When you are done assembling the product, you are told by the company that they do not meet their specifications therefore you will not get paid for it. Actually you will never be able to reach their expectations because the scam gets money by selling the starter packs. At the end of the day, you are left with a bunch of unwanted products cluttering up your home.

Scam #4 : Data Entry
There are numerous advertisements and postings for data entry opportunities on the Internet and even on online employment sites. All you need to do is just pay $10 to purchase a training package and they would send you all the training materials. You should also see that the job scope is normally very blurry and no prior experience is required. The “job description” is usually that you will need to mail out advertisements and brochures similar to the one you received to other unsuspecting victims. Once they pay up the $10, then you will get half of the money and the person who recruited you will receive half as well.

Scam #5 : Email Processing
This scam is actually similar to the classic envelope stuffing scam stated above. Typically you will be required to pay an upfront fee of about let’s say $49.95 to receive an instruction manual and an email distribution list. The instructions will inform you how to process the emails and you will supposedly get about $25 for each email processed! Seems like the ideal work at home opportunity, doesn’t it?? Wrong! The instructions they send you are actually on how to spam other people’s emails with the same advertisement which motivated you to pay $49.95 in the first place. Then when another unsuspecting person (like yourself) takes the bait and pays $49.95, the spam company will (maybe) pay you your $25.

Ask yourself, is that the kind of work at home job you want to invest your precious time doing? Is it ethical? Is it legal? You are actually associating yourself with a con if you join such work at home business scams, which disguise themselves as genuine opportunities. One thing working from home moms should know is that there is no shortcut to success. Yes, sometimes with luck you can get there speedier than others but most of the time, it takes lots of effort and then some.


Stella Parks is a 28 year old corporate slave, determined to spread the word on “work at home” opportunities to Mums everywhere. Visit her blog at Mummy’s Home Biz for useful info, advice, tips and more to help you become a successful work at home Mum.