The pandemic we are dealing with doesn’t always bring out the best in human nature. Such times are when scammers are more apt to take advantage of people. Many people are feeling anxious and helpless. Add economic issues and it’s clearly a recipe for depression and uncertainty.
Most small business owners have heard of PPP (Payroll Protection Program) loans. These are to help businesses stay alive and keep people employed during this pandemic. There are incredible numbers of scams involving PPP loans.
Most scams come through email. They also happen over the phone. Unbelievably, calls and email are great mediums for scammers. Emails trick people into loading viruses onto their computers. Both manipulate people into volunteering personal information! The result is identity fraud and/or account thefts.
Internet and telephone scams have one important factor in common: instill a sense of urgency in the mark. If the scammer can make you think you need to act on this right away, you probably will.
I suggest you:
1) Deal with bankers/lenders at respected institutions you actually know. Use the drive-through window if you must to set up an appointment.
2) Call your banker/lender if you get an email or phone call offering their help with the PPP loan – even if the email or phone call appears to be from a legitimate source.
3) Understand that emails and phone numbers can be spoofed – made to look like they’re from a legitimate source.
Be cautious and you won’t have to regret the unimaginable headaches that those who have suffered identity theft and other losses have experienced.
Most of the articles I submit are to help the average web user or website owner learn a few web related tidbits. This one is geared toward web developers.
The scam asks about doing web development and whether it can be paid via credit card. It lets you know right away that they have a good budget to make the site. They also tell you they want it to be like a particular other site that you can check out to see what the project will entail.
Then the scam is presented – the scammer needs a favor. When you write back and ask what that favor is, here is a verbatim response I received:
“The favor i need from you is. i would give you my card info’s to charge for $7,700 plus credit card company charges, so $2,000 would be a down payment for my website design and the remaining $5,500 you would help me send it to the project consultant that has the text content and the logo for my website so once he has the $5,500 he would send the text content and logo needed for my website to you also the funds would be sent to him via Instant Transfer or Cashier Check into his account, sending of funds would be after funds clears into your account And also $200tip for your stress So i will be looking forward to read back from you. Thanks”
Then I indicate my credit card company doesn’t allow such transactions. I never hear from them again…
Most scams are built upon the greediness of the mark – purposely using poor grammar and presenting what looks like it’ll be a easy way to make some quick cash. That’s how they trick you out of your money. We all know the old saying: If it sounds too good to be true, it probably is.
Explained really simply, domain names are just pointers that convert recognizable words or characters to Internet addresses so we can view a website. Whenever a domain name is created, its creation date and expiration date are publicly available.
There are many domain scams out there. A rather common one I often see is where an unscrupulous company tries to overcharge you for your domain name and get control of it.
The main way they do this is by first scaring you into thinking you might lose your domain name because it is expiring. They do this by sending a carefully crafted letter to you through the postal service. The message appears at first glance to resemble an invoice convincing you to renew your domain name with them. These messages are very convincing.
Reading the “invoice” carefully actually reveals it states it is not an invoice – but in fact it is an “offer”. That statement is what keeps it “legal”. Amazingly, some of the companies that trick domain owners like this have been prohibited from operating in Canada after being legally challenged by the Canadian government.
My advice is to always check with your domain provider when presented with anything appearing to be a bill that appears suspicious. It will save you a lot of headaches going forward.
I’ve written several articles about specific scams that are occurring on a regular basis on the Internet. They seem to subside for a short time – a very short time – and then a wave of them happens again.
One of the worst – as far as I am concerned – are the ones where the email recipient is being told they must verify their email. These have some common traits with most Internet scams:
1) A sense of urgency – they want you to take care of this immediately
2) A time limit – they give you within 24 hours to act
3) A threat – they tell you your email will be locked.
The first thing you have to understand is that nearly everyone gets these on occasion. I have received them myself in which they are made to look like they are from CharlesWorks. So when our clients get these they tend to become very worried very quickly.
I can’t stress enough that most legitimate companies will not send out messages like these. To fall prey to these can be a real nightmare. With access to one’s email these days the bad guys can wreak havoc in one’s life. The worst cases are called identity theft!
Don’t be the unfortunate one who falls prey to these scammers. If you have been “notified” of something serious – call your provider up and speak with a representative. Just like at my company – it’s a lot easier for us to allay your fears than to have to try to clean up the mess that can happen with compromised accounts.
Website visitor safety is extremely important. I’ve mentioned terms here before like SSL, encryption, security and so on. These involve that little green or grey lock in front of the web address in your browser. Clicking on that tells you whether the encryption is valid and what site it’s issued to.
Providing encryption was traditionally expensive for website operators. However, it can be had for free these days. There’s no reason not to have it.
Encryption refers to a method on website servers that helps ensure you are actually on the website you think you are on. This greatly reduces the risks of fraud.
Ripping you off is a top priority for many nefarious individuals and organizations on the web. One method is tricking you into giving your credit card or other personal information on a “fake” site or web page. These pages often look exactly like those of your bank’s or credit card company’s or even your email’s login pages.
There’s usually a small one-time charge for initial setup. Website owners should check with their hosting company or web developer to ensure website encryption (SSL) is included in their monthly hosting at no extra charge. If need be, it’s worthwhile to move to a company whose hosting provides this.
We started in 1998 as a one man show – just Charles. After some years it became apparent Charles would not be able to keep up with the workload Charles was generating.
A choice had to be made. Charles alone didn’t get some projects because the question often came up: “What happens if Charles is on vacation? Sick? Etc.?”
The only path to growth was building a team. So that’s what we did. We became a team of 8-10 people at any time. We have the owner at this since 1998, the next in charge at it since 2005 and so on. The team grew. We were able to cover all aspects of web development. Team members go on vacation, are out sick, or whatever – but work continues to get done.
We’ve encountered many clients who previously dealt with “one person shows”. These clients spent much time frustrated and having to wait for important web changes to be done until that individual could get to it. With a team everything gets done quickly by whichever technician is available.
Think in terms of having a team behind you. When you need your work done you need it done. Period.
This is what our clients needed and we evolved to meet our clients’ needs.