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.
It’s Halloween time again so I thought I’d mention Halloween Spoofs! Well, actually email spoofing happens year round.
An example of spoofing is when emails are sent that are addressed from you (and maybe to you) but you didn’t send them. In that case your address has been “spoofed”.
Spammers and scammers alike do this. There are a couple reasons it’s done.
Sometimes it is malicious. Let’s say someone goes onto numerous websites to sign up for information as XYZ Company. So a ton of spam is sent to XYZ. XYZ finds itself barraged with email and phone spam – wasting lots of their time.
More often XYZ is spoofed to appear to be the sender of spam. Folks local to XYZ are more likely to open the spoofed emails. The spam really isn’t from XYZ – just made to look like it is. So recipients think XYZ is spamming them. They’re annoyed with XYZ and report them as spammers and complain and so on.
Fortunately, spoofing doesn’t account for most Internet issues. It just makes life miserable for XYZ – the target – for a while.
The good news is that usually spoofing usually only lasts a few days. The actual sending server is identified and blocked or shut down.
Always report these issues to your email administrator. Early intervention saves lots of headaches in the long term.
When working in the web world as I do, Internet scams appear to be everywhere.
Phishing is defined as the act of attempting to trick the recipient of a malicious email into opening and engaging with it.
It’s amazing how people fall for phishing scams. They fall for them mostly because the emails are designed to appear like the writer isn’t too bright. So immediately the recipient thinks they have the upper hand. Many count on the recipient’s greed – believing they’ll get something for nothing.
The bad guys that develop these schemes are experts. All they do is work scams – day and night. They wouldn’t continue if it didn’t pay off in the long run.
I read someplace that billions of dollars annually are conned out of people through the various scams out there on the Internet. For the most part – I hate to say – they can’t be stopped. They are sent from all types of email addresses, all types of servers, from all over the world.
Bottom line is that you should keep deleting them. The best course of action is to stop responding to them and opening them. Report them as spam or report them as phishing attempts. Your email provider may provide insight with how to do this. They will ultimately stop coming.
Remember that if the bad guys can’t trick you into parting with your money they will focus on someone else – until they find someone who does. Just don’t be that someone.
We had intended to continue weekly with our web developer checklist. However, this week we’re presenting this post because so many people are receiving these bogus scam messages trying to trick them into paying an extortion.
This scam we mentioned quite a while ago. It has continued to pick up steam – plowing its way through every part of the Internet. It IS a SCAM. Do NOT pay it. We’ve had numerous people contact us that they are receiving such messages.
Here is is below in English and Chinese:
You may have noticed that I sent an email from your account.
This means I have full access to your device.
I have been watching it for a few months.
The truth is that you are infected with malware through an adult website you have visited.
If you are not familiar with this, I will explain.
I created high quality spyware. It allows me to gain full access and control over your device.
This means I can see everything on the screen, turn on the camera and microphone, but you don’t know.
I can also access all your contacts and all communications.
Why is your antivirus software not detecting malware?
Answer: My malware uses the driver, I update the signature every 4 hours so that your anti-virus software is silent.
I made a video showing how you can satisfy yourself in the left half of the screen, and in the right half you will see the video you watched.
One Key! All of your contacts in email and social networks will receive this video! Your life will change forever!
I can also post access to all email communications and messengers you use.
If you want to stop this ʌ
Transfer the $362 amount to my bitcoin address (if you don’t know how to do this, please write to Google: “Buy Bitcoin”).
My bitcoin address (BTC wallet) is: *********************************
After receiving the payment, I will delete the video and you will never hear my voice again.
I will give you 50 hours (more than 2 days) to pay.
I received a notification from this letter and the timer will work when you see the letter.
It doesn’t make sense to file a complaint somewhere because it can’t be tracked like my Bitcoin address.
I have not made any mistakes.
If I find that you shared this message with others, the video will be distributed immediately.
Good luck, goodbye!
一键！ 您在电子邮件和社交网络中的所有联系人都将收到此视频！ 你的生活将永远改变！
AND IT IS IN MANY OTHER LANGUAGES AS WELL!
It’s increasingly difficult sorting the good companies from the bad ones on the Internet. There are still ways to find the best, reliable web development companies. We’ve compiled this recommended checklist as a starting point. The order these are in isn’t necessarily important since ALL the points are very important!
Check to see if your web development company:
□ will ensure that YOU own your website when it’s paid for
□ is legitimately registered to do business within its State: NH MA ME VT
□ has been in business for at least 10 years
□ has several or more people
□ carries Workers Compensation on its employees
□ carries liability insurance
□ maintains a committed presence in networking groups
□ is accredited and has a good rating with the Better Business Bureau (https://BBB.org)
□ understands your community and reciprocates by referring business to you
□ has a phone contact where one can at least leave messages
□ has an email contact where one can send information
□ provides automatic site updates at no additional ongoing charge
□ backs up websites every night for at least a month
□ provides website encryption (SSL) at no additional ongoing charge
□ does not require hosting or domain contracts
□ does not overcharge you by selling you inflated monthly maintenance plans
□ provides partial hour web work billing (9 minutes work charged 9/60 of hourly rate)
□ can respond to most maintenance requests in 3-4 days
□ has general familiarity with trademark and copyright issues
□ is proficient with WordPress through experience and training
Over upcoming weeks check here for details about each. Contact us with any questions, we exist to serve you!