There comes a time when we are all sucked into a scam of some sort. Unfortunately we are occasionally conned by the (apparently) valid arguments. Our interest allows us to click away to learn of the amazing money makeing “schems” . Many ARE valid but sadly most are not. THey are simply ther to cream info about our finances or identity from our computers for illegal use.
Be Prepared (Lord Baden Powell, Souting movement)
Be Alert, But Not Alarmed (Australian Government)
Source: BBB (Better Business Bureau)
Better Business Bureau investigates thousands of scams every year, from the latest gimmicks to schemes as old as the hills. Our new Scam Source (www.bbb.org/scam) is a comprehensive resource on scam investigations from BBBs around the country, with tips from BBB, law enforcement and others. You can sign up to receive our Scam Alerts by email, and you can also be a scam detective yourself by reporting scams you’ve discovered.
We’ve divided scams up into nine major categories and picked the top scam in each, plus our Scam of the Year.
Top Job Scam
BBB sees lots of secret shopper schemes, work-from-home scams, and other phony job offers, but the worst job-related scam can dash your hopes and steal your identity. Emails, websites and online applications all look very professional, and the candidate is even interviewed for the job (usually over the phone) and then receives an offer. In order to start the job, however, the candidate has to fill out a “credit report” or provide bank information for direct deposit of their “paychecks.” The online forms are nothing more than a way to capture sensitive personal data – Social Security number, bank accounts, etc. – that can easily be used for identity theft. And, of course, there is no job, either.
Top Sweepstakes and Lottery Scam
Sweepstakes and lottery scams come in all shapes and sizes, but the bottom line is almost always this: You’ve won a whole lot of money, and in order to claim it you have to send us a smaller amount of money. Oh, and keep this confidential until we’re ready to announce your big winnings. This year’s top sweepstakes scam was undoubtedly the email claiming to be from Facebook founder Mark Zuckerberg announcing that the recipient was the winner of $1 million from the popular social networking site. These kinds of scams often use celebrities or other famous names to make their offer seem more genuine. If you aren’t sure, don’t click on the link but instead go directly to the homepage of the company mentioned. If they are really giving away $1 million, there will be some kind of announcement on their website. But don’t waste too much time looking.
Top Social Media/Online Dating Scam
On the Internet, it’s easy to pretend to be someone you are not. Are you really friends with all of your “Friends” on Facebook? Do you have a lot of personal information on a dating site? With so much information about us online, a scammer can sound like they know you. There are tons of ways to use social media for scams, but one this year really stands out because it appeals to our natural curiosity…and it sounds like it’s coming from a friend. Viral videos claiming to show everything from grisly footage of Osama bin Laden’s death to the latest celebrity hijinks have shown up on social media sites, often looking as if they have been shared by a friend. When you click on the link, you are prompted to “upgrade your Flash player,” but the file you end up downloading contains a worm that logs into your social media account, sends similar messages to your friends, and searches for your personal data. The next time you see a sensational headline for the latest viral video, resist the urge to peek.
Top Home Improvement Scam
Always near the top of BBB complaint data are home improvement contractors who often leave your home worse than they found it. They usually knock on your door with a story or a deal – the roofer who can spot some missing shingles on your roof, the paver with some leftover asphalt who can give you a great deal on driveway resealing. Itinerant contractors move around, keeping a step ahead of the law…and angry consumers. The worst are those who move in after a natural disaster, taking advantage of desperate homeowners who need immediate help and may not be as suspicious as they would be under normal circumstances. A large percentage of BBB’s Accredited Businesses are home contractors who want to make sure you know they are legitimate, trustworthy and dependable. Find one at www.bbb.org/search.
Top Check Cashing Scam
Two legitimate companies – Craig’s List and Western Union – are used for an inordinate amount of scamming these days, and especially check cashing scams. Here’s how it works: Someone contacts you via a Craig’s List posting, maybe for a legitimate reason like buying your old couch or perhaps through a scam like hiring you as a secret shopper. Either way, they send you a check for more than the amount they owe you, and they ask you to deposit it into your bank account and then send them the difference via Western Union. A deposited check takes a couple of days to clear, whereas wired money is gone instantly. When the original check bounces, you are out whatever money you wired…and you’re still stuck with the old couch.
Top Phishing Scam
“Phishing” is when you receive a suspicious phone call asking for personal information or an email that puts a virus on your computer to hunt for your data. It’s almost impossible to avoid them if you have a telephone or an email account. But the most pernicious phishing scam this year disguised itself as official communication from NACHA – the National Automated Clearing House Association – which facilitates the secure transfer of billions of electronic transactions every year. The email claims one of your transactions did not go through, and it hopes you react quickly and click on the link before thinking it through. It may take you to a fake banking site “verify” you account information, or it may download malware to infiltrate your computer.
Top Identity Theft Scam
There are a million ways to steal someone’s identity. This one has gotten so prevalent that many hotels are posting warnings in their lobby. Here’s how it works: You get a call in your hotel room in the middle of the night. It’s the front desk clerk, very apologetic, saying their computer has crashed and they need to get your credit card number again, or they must have gotten the number wrong because the transaction won’t go through, and could you please read the number back so they can fix the problem? Scammers are counting on you being too sleepy to catch on that the call isn’t from the hotel at all, but from someone outside who knows the direct-dial numbers for the guest rooms. By the time morning rolls around and you are clear-headed, your credit card has been on a major shopping spree.
Top Financial Scam
In challenging economic times, many people are looking for help getting out of debt or hanging on to their home, and almost as many scammers appear to take advantage of desperate situations. Because the federal government announced or expanded several mortgage relief programs this year, all kinds of sound-alike websites have popped up to try to fool consumers into parting with their money. Some sound like a government agency, or even part of BBB or other nonprofit consumer organization. Most ask for an upfront fee to help you deal with your mortgage company or the government (services you could easily do yourself for free), and almost all leave you in more debt than when you started.
Top Sales Scam
Sales scams are as old as humanity, but the Internet has introduced a whole new way to rip people off. Penny auctions are very popular because it seems like you can get something useful – cameras, computers, etc. – for way below retail. But you pay a small fee for each bid (usually 50₵ to $1.00) and if you aren’t the winner, you lose that bid money. Winners often are not even the top bidder, just the last bidder when time runs out. Although not all penny auction sites are scams, some are being investigated as online gambling. BBB recommends you treat them the same way you would legal gambling in a casino – know exactly how the bidding works, set a limit for yourself, and be prepared to walk away before you go over that limit.
Scam of the Year
Yep, it’s us – the BBB phishing scam. Hundreds of thousands, perhaps millions, of people have gotten emails that very much look like an official notice from BBB. The subject line says something like “Complaint Against Your Business,” and the instructions tell the recipient to either click on a link or open an attachment to get the details. If the recipient does either, a malicious virus is launched on their computer…a virus that can steal banking information, passwords and other critical pieces of information needed for cyber-theft. BBB is working with security consultants and federal law enforcement to track down the source of these emails, and has already shut down dozens of hijacked websites. Anyone who has opened an attachment or clicked on a link should run a complete system scan using reputable anti-virus software. If your computer is networked with others, all machines on the network should be scanned, as well.
More Info
For more information on these and other scams, go to BBB Scam Source (www.bbb.org/scam). Sign up for our Scam Alerts and learn about new scams as soon as we do.
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I am trying to have some time off for xmas but I know I would be remiss if I did not send this out right away.
I have kept quiet about business opportunites for quite a while because there’s really been nothing of value to get my attention…
Until now…
>>
Jim Flowers and Russ Medlin Webinar (1:52:29)
Here’s a few points to note…
- NEW zeolite supplier called NCD Wellnesceuticals (www.NCD.com)
- Proven business and product track record
- Ground floor opportunity which is in front of the detox trend
- World Class Product (FDA registered production facility)
- D-Lite3 removes heavy metals, VOCs & toxic compounds
- Balances pH, fights off viruses, reduces acid reflux, Asthma and allergies
- MAP3Z™ is a proprietary blend of 3 powerful zeolites, clinoptilolite, chabazite & heulandite
- Activated using an advanced purification and ultra-micronization process
- Jim Flowers (master formulator) owns the company
- Jim no longer supplies other companies with his exclusive zeolite formulas
- Zeolite sells to people who just want to be customers
- I am sponsored by the #1 Distributor (he wrote the compensation plan!)
- Pre-enrollment started TODAY (24 Dec 2011)
- Product officially starts shipping 18 Jan 2012 to 27 countries
- Reasonable product pricing and international shipping rates
- $100, $250 & $500 product packs (simple!)
- Permanent founders pool bonus for early adopters of the $500 pack
- Time sensitive bonus (join earlier not later) could pay for your monthly product
- Good income for entry, mid and career business people
- Infinity, Fast Start and Matching bonuses
- Retail profits for those who are happy just selling
- Doctor/Customer program
- Daily live and recorded webinars
- Website information is being improved and updated hourly
- Fantastic Marketing, Communications & Team Support Systems
So… Why wait…?
You can join the business online right away.Customers will have to wait till after 18 Jan 2012
Call me on 0414 652 366 (+1 414 652 366) if you want to talk about it.
Please look through the website first so you at least have basic info.
Watch an extensive business and product webinar with Jim Flowers and Russ Medlin
I have joined with a Founder’s Pack ($500) so I get a ton of product and the highest startup qualification. You can join with $100, $250 or $500 and get different product quantities.
Talk soon 
Cheers, Glenn
PS: …and have a merry XMAS and a happy and prosperous NewYear.
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The Illuminati / Freemason Signature
 11/11/11 11:11
Eleven Eleven on Eleven Eleven Eleven
11 minutes past 11am on 11 Nov 2011
11/11/11 11:11
Interesting word: ELEVEN.
What does it mean to you?
Well, I have had a curiosity as to what the world will do with this gregorian calendar oddity.
It’s amazing how the world thinks… and wastes time (our most valuable resource).
Humans can make stuff up out of nothing and make it significant by their belief systems (eg religion) and others (maybe like me) seek substantive or scientific explanation.
Others just make it FUN!
My curiosity got the better of me. Here’s a sample of what I found…
Blink and you’ll miss it!
Friday sees once-in-a-lifetime moment as time and date read 11.11.11 11.11.11
Only occurs on one day every 100 years.
There are some on the outer fringes of the internet who say it heralds the end of the world; but for others, it looks like the perfect day for a wedding
At 11.11.11 on 11.11.11, the time and date will be a perfect same-numbered palindrome, reading the same backwards as forwards, an event which can only happen on one day every 100 years.
And even the most hardened sceptic will surely pause for a moment to reflect on the unique occurrence, which will not come around again in the lifetime of most of us.
Among other things, 11.11.11 will be:
- Armistice Day, celebrated around the world.
- A day of spiritual significance for those who believe the number 11 has a mystical power.
- A very special day to get married or have a birthday (especially if it’s your 11th).
- Perhaps even the end of the world, according to some ‘prophecy’ web forums.
The reason the date is so unusual is that 11.11.11 is the only double-figure palindromic date, since there is no 22nd month.
And the last time it happened, on November 11 1911, an almost supernatural event saw temperatures drop by more than 60F in a single day.
Read more: http://www.dailymail.co.uk/news/article-2059313/11-11-11-11-11-11-Fridays-lifetime-moment.html#ixzz1dLwR9Vus
 Apophenia
Apophenia (see Wikipedia) is the experience of seeing meaningful patterns or connections in random or meaningless data.
APOPHENIA: THE NATURAL HUMAN URGE TO FIND PATTERNS
The reason we ascribe significance to 11.11.11 is apophenia – the urge to find patterns in seemingly random data.
It is this that explains why we see clouds forming certain shapes, and why we often hear of people finding ‘faces’ in things like potato crisps.
Apophenia is also important in the psychology of gamblers. It can either encourage those on a winning streak to believe that it will continue, or convince losing gamblers that their luck must inevitably change.
While it can be a symptom of mental illness if taken to an extreme – as depicted in the film A Beautiful Mind – apophenia is instinctive to all humans as a way of drawing conclusions about the world.
This phenomenon helps us, for example, to recognise abstract drawings as representing human figures, and to remember phone numbers which seem to follow a pattern.
Conspiracy Theories
Conspiracy theorists are famously prone to identify a (perhaps coincidental) pattern, and conclude that it must have great significance, although in real life important, life-changing, and even catastrophic things can occur simply out of random chance.
11-11-11: the Movie
Friday 11/11/11 sees the release of apocalyptic film 11-11-11, which predicts the opening of a Hellmouth.
The film by Darren Bousman, director of several entries in the Saw franchise, features a man whose family dies in a car crash at 11.11am, and who then begins to be haunted by the number 11.
It plays on beliefs long held by some spiritualists, who say that the number has a special significance and claim that many people have a mystical attraction to the time 11.11.
23 Enigma (similar)
The 23 enigma refers to the belief that most incidents and events are directly connected to the number 23, some modification of the number 23, or a number related to the number 23.
There was even a movie (The Number 23) about it with Jim Carrey.
11 Eleven Project
Do you see the number 11 everywhere? Well, you’re not the only one. Millions of people have a special connection to the number 11 and now they’re able to unite. If you see 11 or 11:11 why not “press record” and share it with the world. The main event takes place on 11/11/11 so stay up to date with everything on Facebook. There’s even an iPhone App to participate.
Numerology
111, 1111 – This sign is used to indicate that your thoughts are related to the start of a new cycle in your life. What you are thinking about doing or changing is correct for the new phase of your life.
Religion & Spirituality
There’s a raft of these… Can YOU feel the shift?
Amazing what people can make up when they are seeking THE reason.
11.11.11 Opening Of The Portal Of The Divine
On 11.11.11, the portal will open and the first wave of these divine energies will flow to every man, woman, and child reminding all of our true nature. We are eternal spiritual beings born of Source Energy. When we connect to our truth and see beyond our personality self, we discover the magnificence of our being and the inner love, beauty, innocence and worth that is contained within each of us. Can you feel the shift? Watch the video on YouTube
Armistice (Rememberance) Day
November 11 is best known in Australia and UK as Armistice Day, or Veterans Day in the USA.
Comet E.L.E ELENIN
11 11 11 Decoded Planet X Nibiru The Awakening 2012 Alien Invasion (whoa!)
Watch on YouTube if you dare…
Awakening The Pyramid of Giza
11-11-11 Synchonicity & Meaningful Coincidence. For many years now a growing number of people have been experiencing the so called 11-11 phenomenon. This is the experience of becoming acutely aware of seeing the number 11, but especially when it appears somewhere twice. It is fair to say that this can also be in forms like 1111, 111.1, 11 11, 11:11 rather than only in one fixed format. Read More
The Illuminati / Freemason Signature
Whether or not you choose to accept the information in this article, at least understand this. Your life is regulated and controlled by mathematics. Both in a physical world as well as spiritual. There are 7 days in a week, 12 months to a year, 365 days to a year, 60 minutes in a hour and 24 hours to a day. Your work schedule is regulated by the numbers. The cosmos is even controlled by the numbers. God gave us 10 commandants. One of those commandments is to observe the 7th day of rest. There are many references to Gods numerology in the bible as well as Satan’s. Even the mark of the beast will be 666.
what the… ? Read more
Want to learn more?
Spend a day on Google. Simply enter ELEVEN (whooooo!) and keep reading… probably forever!
11 11 Phenomenon and 11/11/11 |
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to Steve Jobs…
“Here’s to the crazy ones. The misfits. The rebels. The troublemakers. The round pegs in the square holes. The ones who see things differently. They’re not fond of rules, and they have no respect for the status quo. You can quote them, disagree with them, glorify and vilify them. About the only thing you can’t do is ignore them because they change things. They push the human race forward. And while some may see them as crazy, we see genius. Because the people who are crazy enough to think they can change the world, are the ones who do.”
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Drawing from some of the most pivotal points in his life, Steve Jobs, chief executive officer and co-founder of Apple Computer and of Pixar Animation Studios, urged graduates to pursue their dreams and see the opportunities in life’s setbacks — including death itself — at the university’s 114th Commencement on June 12, 2005.
Watch on YouTube:
http://www.youtube.com/watch?v=UF8uR6Z6KLc
Transcript of Steve Jobs’ address:
http://news-service.stanford.edu/news/2005/june15/jobs-061505.html
Stanford University channel on YouTube:
http://www.youtube.com/stanford
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 The recent passing of Steve Jobs got me wondering what the rest of us mere mortals could learn from such a visionary businessman and creative genius.
Carmine Gallo’s book The innovation secrets of Steve Jobs, distils Jobs’ philosophy down to seven principles. After thinking about how I can apply those ideas to a new venture a friend and I are planning, here’s what I came up with.
1. Do what you love: Think differently about your career
After a recent period of stress, I’m keen for the next phase of my business-life to be all about flow, fun and good vibes. As one of my mentors recently reminded me, “When you’re self-employed there is absolutely no reason to do anything you don’t want to do.” Amen to that.
2. Put a dent in the universe: Think differently about your vision
Steve Jobs was a universe-changer on a grand scale. Can a couple of humble small business owners from Sydney put a dent in the universe too? We’re going to give it a red hot go.
3. Kick-start your brain: Think differently about how you think
I’m so passionate and excited about the new business that I’ve noticed a huge burst in creative energy and I’m now actively looking out for ways to do things differently, just to see what unfolds. Watch this space.
4. Sell dreams, not products: Think differently about your customers
As a marketer and copywriter, I’ve long been familiar with the principle of selling in a way that solves a problem or relieves a pain.
5. Say ‘No’ to 1000 things: Think differently about design
Design applies to more than just the look and feel of a product or page. I’m applying this principle to our marketing plan to ensure we don’t try to be all things to all people with our new products.
6. Create insanely great experiences: Think differently about your brand experience
How awesome would it be for someone to describe their experience of our brand as ‘insanely great’? So far I’ve only got the tiniest inkling about how we’re going to achieve this, but I love the idea, and am going to try to weave it into everything we do.
7. Master the message: Think differently about your story
The way we tell the stories of our products, and the way people respond to those stories is what sets one business apart from another. Hopefully ours will be a page-turner!
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More Info: http://DiscoverProductB.com
Certain lifestyle factors such as smoking, obesity, lack of exercise, and consumption of unhealthy diet can increase the pace of telomere shortening, leading to illness and/or premature death. Accelerated telomere shortening is associated with early onset of many age-associated health problems, including coronary heart disease [27,28,29], heart failure [30], diabetes [31], increased cancer risk [32,33],and osteoporosis [34]. The individuals whose leukocyte telomeres are shorter than the corresponding average telomere length have three-fold higher risk to develop myocardial infarction [13]. Evaluation of telomere length in elders shows that the individuals with shorter telomeres have a much higher rate of mortality than those with longer telomeres [10]. Excessive or accelerated telomere shortening can affect health and lifespan at multiple levels. – Masood A. Shammas Harvard (Dana Farber) Cancer Institute, Boston,Massachusetts
More Info: http://DiscoverProductB.com
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DO NOT TRUST MANNATECH!
I used to run health & business teleseminars and physical open seminars and trainings across Australia and New Zealand with full authority of and publicity by Mannatech.
Mannatech does not follow it’s own policies and precedures. They interpret them to suit themselves and allow select top distributors free reign to do whatever they wish so long as they are “in the good books”.
The company and some top distributors then turned on me because I also associated with other companies that sold what Mannatech considered to be competitive products. They were NOT.
Mannatech accused me of crossline and downline promotion of competing companies that could not be proven. Distributors and company officials lied in statutory declarations.
The company finally decided to terminate my business after 10+ years of dedicated promotion and support. They can do that because they sign the cheques, have expensive lawyers and deeper pockets to fight you till you are exhausted, emotionally destroyed or have run out of money (or all of the above)
Mannatech Terminates Glenn in 2007.
A group of the top Mannatech distributors did not like me because I was making waves in the internet marketing and got popular on my international conference call.
They made up stories and blatantly lied to Mannatech. Mannatech took their word for it did not investigate properly.
They terminated me without warning citing solicitation.
I fought them, at my own cost and with no legal representation for nearly six months, and won my distributorship back again.
However they could never prove fault on my behalf.
In 2008 I got a corporate job as Sales and Marketing Manager in Amega Global, a new MLM to Australia. I felt obliged to terminate myself from Mannatech due to a potential conflict of interest. The paperwork was never confirmed accepted by them.
Forward to June 2010
In June 2010 (12 months later, after Mannatech’s non-solicit clause had expired) I put out some marketing info on a new MLM to my email lists.
Mannatech did it AGAIN…
They attempted to put the 12 month solicitation clause after temination into effect… even though I had been terminated for over 12 months!
They claimed I was only terminated from them from March 2010 when they entered my termination into their system. They would not accept the legal (effective) date on the signed termination form!
They blatantly refused to correct the termination date in their system, however, after months of bullying by Mannatech we mutually agreed on 1 Jan 2010 as the effective end of rights and responsibilites following termination (under extreme duress on my part).
Here’s My Beef
Distributor lists are NOT confidential information owned by the company. They are JOINTLY OWNED.
MLM companies say they OWN the customer list. No matterwhere it comes from. They say I have no right to use it after I cease being a distributor, even though as part of my business requirement was to build a business network at MY cost.
MLM company customer list and solicitation definitions are too draconian! They do not take into account how a business network develops. They do not even take into account relationships that existed prior to becoming a distributor with thaat company.
A HUGE change is due and I welcome the ruling that came in against Melaleuca, a company with the MOST draconian rules I have ever seen.
I know of an Australian couple who fought Melaleuca for this same reason.. They settled out of court but they were minus $250,000 in legal fees! It apparently cost Melaleuca 10 times that!
MLM companies think that if a distributor (or ex distributor) sends an email promoting another opportunity (MLM or otherwise) to one of their distributors then that distributor will stop producing an income for them.
That is totally false and built totally on fear of loss!
If THAT distributor is so ready to jump to another company or opportunity then so be it. They were not committed to the company in the first place and ANY opportunity that came along would interest them, from me or otherwise.
I make the comparison to a Catholic talking to a Jew with the intent to being converted to Judaism. If it was meant to happen then let it happen. If not the Catholic will stay with their faith and say thanks but no thanks. Everyone is still happy.
I believe this is how it should be in MLM. Let people make up their own mind and get on with business of seeking and keeping happy customers and ditributors, not trying to hold onto the ones that are not interested anyhow.
That’s my rant for now… I could talk on this topic for hours. I will not bore you with more here so call me to talk to me if this has happened to you or you need advice as to how to proceed if it IS happening to you.
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 “Steve Jobs” is synonymous with “innovation.” So it’s no wonder Fortune named Jobs CEO of the Decade. From company culture and customer service to products and marketing, Jobs does, indeed, think differently.
This new eBook by Carmine Gallo, columnist for BusinessWeek.com, explores the 7 guiding principles of Steve Jobs’ success and how you can use them to emerge from the recession stronger, more inspired and more innovative than ever.
Download the eBook to learn:
- Why mastering your message is what stands between you and success
- What it means to sell dreams, not products
- How to de-clutter the user experience with a simple two-letter word
- And more…
Download the eBook
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 Burzynski documentary reveals true agenda of FDA and cancer industry to destroy cancer cures that really work
Burzynski, the Movie is the story of a medical doctor and Ph.D biochemist named Dr. Stanislaw Burzynski who won the largest, and possibly the most convoluted and intriguing legal battle against the FDA in American history.
![]() (Source: NaturalNews) The cancer industry, with all of its research, campaigns, and fundraising activities is really nothing more than a giant, corrupt business venture. As crazy as it might sound to some, the point of the cancer industry is not really to cure cancer — it is to keep raising money for the alleged, and never-ending, “search for the cure.” And the hard-hitting documentary Burzynski The Movie – Cancer Is Serious Business exposes all this as director Eric Mercola tracks the 14-year battle of Dr. Stanislaw Burzynski — the man responsible for creating the all-natural, non-toxic cancer cure featured in the film — to protect his unique protocol from being stolen by the government and Big Pharma, and to defend his freedom to treat cancer patients with unconventional methods.
The complete, full-length documentary is available now at NaturalNews.TV:
http://www.naturalnews.tv/v.asp?v=F…
And check out the official website at:
www.BurzynskiMovie.com
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