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And I ve become a clearing house for seminar victims around the world. Here are some of the latest things to watch out for when attending a seminar. This, like many scams is not really a new scam. I m a Christian. I ve just noticed it making a comeback lately. First of all that s pretty much an insult to Christians everywhere. It s a shame so many good, God fearing people get taken by this tactic. This is where the fraudulent seminar leader professes to be Christian or They have found God.

They give the bad guy or girl second and third chances. Giving a sociopathic speaker a second chance is like letting them chop off your hand and then using the hand that s left to help them sharpen their axe so they can cut it off too. It reminds me of a quotation I saw somewhere and I don t know who originally said it so if you know, please tell me. It went something like this, With proper nurturing the shepherd can fleece the sheep over and over again.

Good Christians don t lie, cheat and steal and they certainly don t use God to cover up their scams. Live Demonstrations. This is where the seminar leader pretends to do something totally spontaneous to show how easy it is to do what what he she is selling. In Internet marketing it could be pretending to start a website and make online sales during the course of a 90 minute speech or some variation of that.

The reports I ve been getting are that everything was planned and set up carefully in advance without the audience s knowledge kinda like a magic trick. The same seminar leader apparently did the exact same thing at another event using the same exact website that supposedly didn t exist before he she got on stage. Whoever told me about this please re-contact me. Secondly I doubt if God is cool with it especially since the technique is being used to try to cover up past bad behavior and to set the audience members up for a crucifixion of sorts.

Your email has disappeared. I m also hearing of someone going all over the place giving live demonstrations of a service. I ve actually used this service and it s garbage. You can be sure that whatever he she is showing is the absolute best rendition of the service and is no reflection of the service you ll get. Onsite Credit - Scam Catalyst. I ve coined the next three techniques scam catalysts.

In chemistry a catalyst is a substance that increases the rate of a chemical reaction. In the seminar scam world providing an onsite finance company to give the audience members instant financing can be a scam catalyst. I ve seen it used to help people finance perfectly legitimate training and even I have reasonable financing available in my licensed Internet marketing school.

But, in most cases it s used to increase the rate of scamming by giving you access to fast and usually way overpriced credit. You can be sure they want to take all that new borrowed money from you by the end of the seminar. Please get control of your own credit situation and don t fall prey to someone who wants to give you easy and overpriced credit.

Raise Your Limit - Scam Catalyst. This is a technique taught in real estate and investment seminars. At the beginning of the seminar they teach you how important it is to be able to get money quickly. They also teach you how to call your credit card company and get the limits raised on your credit cards. Sometimes as high as 100,000. Many even give you a script that tells you exactly what to say. Conveniently for the seminar promoter, you now have plenty of credit on your card to buy their high priced and mostly worthless training.

I m Important - Scam Catalyst. This scam catalyst uses a sales technique called overcoming objections before they are raised. The scumbag seminar leader knows he she has done some really bad stuff to people. He she knows that others either know about what they ve done or will find out about the bad deeds sooner or later. In order set up and groom future victims in the audience the seminar leader says something to the effect that he she has become so well-known that he she is a target for jealous competitors and negative people that have nothing better to do than to cut others down.

The reason this is so insidious is that basically that is true. The more well-known you are, the more likely someone will attack you. The problem is that it s also a curtain to hide behind to make others think you really didn t do bad things. They pull one of the many scams on this page while you re busy feeling sorry for them. The bad guy girl is making the audience members think that the bad reports were false and planted by jealous competitors and negative people.

com you can volunteer for Antion s Army against the bad guys and girls too. com scambrigade Follow me to keep up on all kinds of scams. Keep those emails coming folks. I m determined to clean up this industry and with your help, I m making good progress. especially when they are rushing you to make a decision. 700 Million Mercedes Diesel Emissions Class-Action Settlement Details Announced.

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You can look for the following categories on the Car Search tool to narrow your selections. Smaller cars tend to have lower Advance Payments, running costs and CO2 emissions than larger vehicles. When choosing a smaller car, think carefully about your access needs and how often you need to carry passengers. Generally, two-three door cars have wider doors with larger opening angles.

Many are also suitable for drivers under 25 years old, making them the ideal choice for younger drivers on the Motability Scheme. Four-five door vehicles benefit from rear seat passenger doors so may be useful if you often have more than one passenger in the car. Medium cars. Most of the medium-sized cars available on the Motability Scheme are hatchback models, which offer a slightly bigger boot than a standard small car.

This makes access to the front seats easier but may cause issues in tight parking spaces and when accessing the rear seats. Family cars. We offer a wide range of medium-sized vehicles and many are also suitable for drivers under the age of 25. Family cars are considerably larger than medium sized cars with more boot space and easier access to the rear seats, making them ideal for anyone that needs to carry both passengers and equipment on a regular basis.

We offer large four-door saloons and five-door hatchbacks in our family car range. A saloon car features a traditional boot that opens independently of the rear window, while a hatchback features an integrated boot and rear window. Estate cars. An estate car is typically a longer version of a standard vehicle but with a larger hatchback style boot.

They offer plenty of boot space for mobility aids and other items but without the added bulk of an SUV or MPV. If you are considering an estate car, you should double check that you will have enough room to park the vehicle and make sure it is suitable for the routes you regularly drive. It is well worth taking a few test drives in an estate car before you make a decision. Multi-purpose vehicles MPVs. MPVs, or people carriers as they are sometimes known, are large vehicles which can seat up to nine people in some cases.

MPVs usually feature higher seats, with more legroom and headroom for passengers. Some will also have sliding doors for easy access to the rear seats. The extra storage and practically make MPVs ideal for larger families or anyone who regularly travels with a lot of passengers. However, you should check that you have space to park an MPV at home and test drive extensively to make sure that you are comfortable driving a vehicle of this size. Sport Utility Vehicles SUV.

The term SUV was once only used to describe large 4-wheel drive vehicles designed for off-road use. However, in recent years manufacturers have introduced many smaller SUVs, often known as crossovers, which are somewhere between a car and traditional SUV. The Motability Scheme offers a huge range number of small and large SUVs and you can now search by size to help you find the right one for you. Coupes and convertibles. Coupes are smaller, sporty vehicles that usually seat either two or four people.

These tend to offer the same high driving position and off-road styling found in large SUVs, but many now come with 2-wheel drive instead. Generally, they have two doors and offer sleek, attractive styling but can have limited boot space. Convertibles have a detachable or retractable roof, offering an open-air driving experience as well as style and performance. The term hatchback refers to a vehicle where the boot is integrated with the rear window and opens upwards for easy access.

Convertibles also tend to have smaller boots and in the case of vehicles with a detachable roof, this will often have to be stored in the boot once taken off. Wheelchair Accessible Vehicles WAV s. More information about cars. Types of car Fuel types Car manufacturers Taking a test drive Ordering and delivery. Featured cars. This is particularly useful if you need to carry mobility equipment or other items on a regular basis. Boris Johnson s bid to tear up Brexit deal is approved by MPs as some Tories rebel.

Here s what you need to know about whether you can send your child to school with a cold. Liverpool s lack of spending in the transfer market should be celebrated - not criticised. by Sid Kirchheimer, AARP Comments 0. As temperatures drop, watch out for these 3 seasonal hoaxes. Beware of Utility Company Scams. En español The heat is on beyond what s displayed on your thermostat. During cold weather, scammers increasingly pose as utility company employees and other energy savers to try to get your money or valuables or sensitive information for identity theft.

Beware of utility company impostors or independent energy auditors that tend to appear unannounced at your front door. The callers claim to be billing representatives from your utility company but are actually crooks looking for a quick payoff. The Shutoff Swindle. In the most common utility con, which happens every winter and during peak air-conditioning season, customers get phone calls warning that their service is about to be shut off because of unpaid bills.

They tell you that to avoid an immediate shutoff, you need to settle an overdue bill by providing them with your credit card number or a prepaid debit card. In recent weeks, utility customers from Connecticut to Hawaii have been targeted in this longtime scheme. But this winter, some utility impostors have been demanding payment for several months worth of purported unpaid utility service, not just one, as had been the custom. They can be convincing. But you should know that most utilities will mail at least one, if not several, past-due notices before terminating service.

They may use spoofing software that lets them falsely display the name and phone number of your utility company on your Caller ID. If you get a cancellation notification especially by phonealways verify it by dialing the customer service number on your utility bill. Don t give any information to the caller. The Supplier Switch. Have you been told you qualify for a 15 to 20 percent discount on your utility bill if you ll provide your customer account number. Before accepting the offer, know that the likely switch will simply take you to a different energy supplier.

After all, your current supplier already has your account number. In many states, customers can switch their electricity or natural gas suppliers. It s possible to compare rates and terms of state-vetted suppliers on the website of your state Public Utility Commission PUC. But beware Some suppliers employ telemarketers and door-to-door salesmen to recruit new customers with promises of lower rates for switching.

But after a brief introductory period, rates may suddenly skyrocket and you find yourself locked in a long-term contract with high cancellation fees. Attorney general offices in several states have sued energy suppliers for such bait-and-switch practices. But with that information in hand, the new supplier can switch your power service provider, either with your blessing or by slamming, the illegal practice of switching customers to another provider without their consent.

In some instances, you may be asked only for your name, address and utility account number not a credit card. Your best bet If you re interested in switching energy suppliers, avoid unsolicited offers and instead compare your options at your state s PUC website. Inspection Deception. Now is when utility company imposters or independent energy auditors tend to appear unannounced at your front door, offering a free inspection of your furnace and thermostat, or a free evaluation of your home s energy leakage.

But unless your utility company has notified you in advance or you initiated a request for an audit or inspection, don t let them in. Maybe that s why the Consumer Federation of America cited free energy audits as a burgeoning problem in its most recent top consumer complaints list. Assume that unsolicited energy auditors are really salesmen or home improvement hucksters pitching unnecessary expensive products, such as a 4,000 solar blanket for the attic that in fact can t live up to its claimed ability to capture the sun s rays through roofing materials.

Often, self-described inspectors are actually there for a quick burglary especially if they arrive in pairs. Or they may be trying to collect your personal information for identity theft. Don t be fooled if inspectors sport official-looking badges which can be printed from a computer or wear uniforms which can be rented or stolen.

Unless you expect any energy-related experts, keep your door locked. Sid Kirchheimer is the author of Scam-Proof Your Lifepublished by AARP Books. 11 Ways to lower your utility bills PROTECT YOURSELF Fraud Watch Network QUIZ Test your scams and fraud IQ Explore the full list of benefits available to you as an AARP Member. One distracts you while the other scoops up valuables. Please leave your comment below. You must be logged in to leave a comment.

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Visa Signature disclosures, agreements, and terms and conditions can be found by clicking here. VoIP phones. Universal handset for extending. DECT GAP routers such as the FRITZ. Box by AVM Routers featuring DECT CAT-iq 2. 0 such as the Speedport by Telekom, the Archer by TP-LINK and the HomeBox 2 by 02 Gigaset DECT base stations DECT GAP base stations from other manufacturers.

Large, high-contrast, black-and-white display 34 x 37 mm Large, separated buttons with easy-to-read numbers Two repertory keys for essential phone numbers Amplifier function for extra-loud volume Two acoustic profiles to ensure you hear the phone high low frequency. DECT gap routers Routers with DECT Cat-iq 2. 0 Gigaset DECT base stations. Talking dialling keys Voice announced caller number or name Direct call transfer via Bluetooth 4.

2 to hearing aids and headsets Protection against unwanted calls, telephone advertising and fraud attempts Automatic adjustment of ringer and handset volume in noisy environments. Universal handset to supplement the following. Gigaset DECT base stations DECT GAP telephone base stations of other manufacturers DECT GAP routers e. Box Routers with DECT CAT-iq 2. Illuminated black and white graphic display with brilliant contrast Handsfree talking in best sound quality Call block function como funciona o iq option up to 32 numbers HD Voice with selectable sound profiles Telephone book for up to 150 names and numbers with Ergonomic keypad made of high quality material Long talk and standby time of up to 12 and 180 hours.

Universal handset for addition to the following. Large black-and-white graphic display, illuminated, with high contrast Handsfree talking in best sound quality Call block function for up to 32 numbers HD Voice with selectable sound profiles Telephone book for up to 150 names and numbers with Ergonomic keypad made of high quality material Long talk and standby time of up to 12 and 180 hours. Large high-contrast black-and-white display 34 x 37 mm Two acoustic profiles high low frequency so the volume is always at the right level Extra-large display in dialling mode and in the phone menu Phone book for up to 150 contacts Call blocking for up to 32 blacklisted numbers Room monitoring baby monitor with intercom function Direct call function that allows you to dial a stored phone number by simply pressing the assigned key.

Slim design, superb ergonomics, powerful technology Large TFT colour display 58 mm 2. 2 with modern user interface Large phone book for up to 200 contacts with 3 numbers each. In a statementWalmart s chief customer officer Janey Whiteside said that the covid-19 expedited the service s debut. Walmart Is Betting You ll Ditch Amazon Prime for Its Expensive 2-Hour Delivery.

The announcement follows a pilot program of the service at 100 stores that began in mid-April. As with its existing pick-up and delivery options, the company said that two-hour delivery will also be no contact, meaning you can order through an app and the delivery can be made without person-to-person interaction.

Two-hour delivery will be available for roughly 160,000 items, the company said, including groceries and things like household essentials and electronics. Walmart will charge 10 on top of its existing delivery charge for most online orders, though Walmart s Delivery Unlimited customers will only have to pay a flat 10 fee per Express order. Unlike Walmart, however, Amazon offers two-hour delivery options to its Prime members for free.

Amazon s offered express delivery for years, including for Whole Foods grocery ordering. The company previously charged 15 per month for its grocery delivery service Amazon Fresh but made the option free to Prime members late last year. The service is Walmart s latest attempt to take on Amazon s massive market dominance. Back in February, Walmart confirmed it was gearing up to launch a Prime competitor called Walmartthough Recode reported at the time that Walmart s premium subscription service would offer some perks that Amazon currently doesn t, potentially including discounted fuel or prescription drugs at its pharmacies.

The company did not immediately return a request for comment on how two-hour delivery would fit into the service s ecosystem. But Recode reported that Walmart was expected to essentially launch as a rebrand of its Delivery Unlimited program, in which case it s possible these customers would still be asked to pay a flat fee for Express. Walmart launching this service right now makes a lot of sense, and launching with a not-insignificant price tag does too.

Hell, people are paying 20 just to rent movies at home. Consumers will absolutely be willing to pay a flat fee for faster delivery, if for no other reason than many non-subscribers already are on other delivery services. In its latest attempt to keep up with Amazon s indomitable hold on the e-commerce space, Walmart has announced it s introducing two-hour delivery for nearly 2,000 stores in the coming weeks. WARNING Google Hangouts A Hotbed For Scams Fraud.

Though I did learn to target my audience expansion better and better, I would just leave it at that. For many years I have learned the social media game and built my network and status with a reach only the top 1 of individuals seem to have. When I first started to get serious, after realized I had some talent or skill at it and doubled down, I mainly focused on increasing my network sizer and reach.

That depth involved first learning how to engage my audience with a content strategy that I developed over time. This is extremely challenging, so much so that I would say that out of the 1 who do know how to expand their reach on social media perhaps 10 or less of those people so 0. 1 of the total actually know how to do that. From there I began to get back to earth and start implementing again bread and butter strategies that most of us know how to implement without the reach and status but can easily be forgotten in the highly rigorous, time-consuming and challenging process of building them.

Once I started to do that however I became open to being targeted for multiple scams. To speak more directly, at first I figured out how to grow my following, then I figured out how to get people to engage more and more with my content, and then finally I went back to implementing what I did before having the following and knowing how to engage with content, reaching out to people one-by-one to develop relationships while avoiding the pitfall of spamming people like so many erroneously try but in doing so put me in a more vulnerable position.

But before I go into that I want to point out that I noticed a particular pattern for como funciona o iq option lot of these would be scammers most of which I could see right through and this pattern really confused me. It is a trend of women, on your strong platform of choice where you engage with individuals one-on-one, which could included any major social media platform for me, it was obviously Twitterthat 90 of them these days want you to continue communications on Google s Hangouts application.

When first picking up this pattern, I did some light research to try to uncover why Hangouts was so popular with women. What I found was that Hangouts is actually a pretty unpopular platform, so it only perplexed me more. However, this time, this week, there was finally a scammer strong enough with enough incentive for me to test the waters and to find out once and for all if these girls really are a fraud or not.

The reason I gave the benefit of the doubt was two-fold, the amount of money asked of me at the end of their pitch was 10 100X less than all the others I had dealt with before and the consistency of the person presenting herself and her story was better than any of the other attempted scams. Add to this a convincing personality portrayal and the fact that the images, videos and sounds used by the person appealed to my tastes the most as well.

So this compounding of factors combined allowed me to give the benefit of the doubt and test the waters, I figured why not since it s such a small amount and now I could finally open up this case once and for all. As usual she it could be a nerdy boy, a grown man, or some kind of team in reality started by approaching me with DMs on Twitter. Unlike many of the others who were very aggressive in saying they want a man or are looking for the perfect partner, all things which are very awkward and inappropriate to say at the beginning of the relationship and had no power in fooling me, this person spoke very naturally and gradually.

Clearly this person or team was much more experienced as people have begun wising up. Another point was that on her Twitter profile she had multiple pictures of herself all of which were clearly and consistently the same person many scammers will only have one picture of themselves and those that have multiple pictures often mess up by putting pictures of more than one model, clearly a red flag for inconsistency.

Moreover her story in conversation matched up with her bio description many don t have a bio or their stories don t match up. Even with this factor though I was able to avoid most scams or frauds because usually the individuals attempting this were weak, I had seen it before see Nigerian scams or there just was not enough incentive for me to prod further until the very week where I am writing this.

When you don t have such a large reach or status the amount of scams or fraud you might get targeted for can be few and far in-between, and for someone like me who has a nearly gifted IQ about 120 and knows technology inside and out, it was easy for me, on those rare occasions to avoid being defrauded or scammed. When it reached a point where I could validate that what I had built was a legitimate foundation for a real business however I also started to implement more depth into my strategy.

However when you do have a huge reach and status and you are not only engaging with your content but with each person individually it opens you up to attempts at being scammed or defrauded up to on a daily basis. Speaking of her bio description and story, it had her as living in Texas yet interested in living in Canada, not even specifically my city as that could maybe be too obvious. but my general region of Southern Ontario. She said that she dreamed of moving here, so it was all very convincing.

Also instead of aggressively asking for me to go on Hangouts first, she actually waited till I asked her to do a call to get her to know her better. It was only then, after I made several suggestions on how to contact which she said she was not accustomed to, that she suggested Google Hangouts. So I decided to give the benefit of the doubt and connect with her there, knowing full well that things were now starting to fall into the suspicious category. I kept playing along, and to not be too proud, I will readily admit that I was actually somewhat convinced by this point, because of all of the reasons I already stated.

However I would often double-take go back and check all those details again to make sure they lined up and so far they did. Here s the first red flag however which finally came up besides the fact that she followed the pattern of other scammers of wanting to get to know each other better exclusively on Hangouts which was that her name on Hangouts was different than her name on Twitter. This is often a mistake of most of these scammers, since they probably change their social media profile names often to test what works better in hooking men, but it may be harder to change the name on Google Hangouts since it s tied to an account and Google account changes are notorious for taking longer to come into effect and are not instantaneous.

Though once again I gave the benefit of the doubt because up to that point everything checked out. Throughout our conversations she began to send me pictures of herself, unlike some others who may start aggressively sending sexy or private pics, these were more the kind of pics you would expect from the early stages of a relationship, fully clothed selfies in public, and so on. On top of this, those pics were consistent with the person I saw on Twitter often another failing of the scammers yet were exclusive pics of her not found elsewhere all very convincing so far.

This scam operation was quite advanced. So it kept me hooked, and of course being a man, and a human being like any other, even with my high intelligence, in-depth knowledge and experience, even I was able to get my heart strings pulled albeit with a healthy dose of skepticism and out of the dozen or so women who tried this with me, she was the only one I was actually willing to give the benefit of the doubt.

Then the ask came into play. I told her on Twitter before we started connecting on Hangouts that she looked like she could be a model. She told me she was not confident enough and didn t believe she could but that after hearing my advice she wanted to start to try and hoped that I could help her to achieve it. Since I did have experience as a model Linked To Article On My Modelling In Japan By Clicking On The Text You Are Now Reading I obliged to try to help her.

Over the days she started to talk about that now she was going to a trainer to get fit so that she could meet the requirements to audition as a model. She now finally asked me for some monetary help with this. When I offered her the small amount of cash she needed, only 30 American 10 100X less than what the other scammers asked for in the past after all the relationship building she refused it an excellent strategy to build trust but instead asked me to pay her by sending her an Amazon gift card.

This, on the one hand had me trust her more and less at the same time. On the one hand she didn t want cash directly which was a good sign, but on the other hand, why in the world would a trainer only accept Amazon payments. I wanted to confirm that she was the real thing so I insisted we go beyond just the text communications and start doing calls. This is where the fraud and scam starts to break down, but still was very strong. When we first met on Twitter she said she was from a small town in Texas, and though didn t mention it at the time, by the point where we had gotten more connected and engaged on Hangouts, she started to try to call and receive calls, with little success.

The calls would not connect or there would be issues either lack of visual or lack of sound. She blamed this on having a very slow internet connection, this story checked out with her being from a small town, which are known to have weaker internet. Finally after many attempts, a call was able to go through, the first time it was only audio that I could capture from her.

But it was very strange, she never mentioned my name in the audio but kept calling me baby. She wasn t able to respond when I asked her questions or tried to communicate during the call. Soon the call would cut off and she kept blaming this on her bad internet connection, and saying that she couldn t hear me at all because of it. Since I wanted to give the benefit of the doubt this time, due to how well most things were checking out, I thought that since it was such a small amount of money she was asking for, I might as well bite the bullet to show her that I trust her enough to send her something.

After that, I started again trying to suggest different platforms to call on like Facebook messenger and Skype, but she insisted that Hangouts was the usual place she did calls and that we should simply try again. She would at times throughout our conversations be a bit slow to respond and would often delay our attempts to other days or times from when we were talking I think this is also a trust-building tactic, since the more time you know someone, especially if you have intermittent breaks, the more likely you are to think they are legit since they seem to clearly be doing something else other than this.

On that next attempt when the time came around, we tried again and finally I did get a video call, except this time there was no audio to accompany it. Once again the call cut off abruptly and she blamed a bad internet connection, once again saying she couldn t hear me. This happened twice. By this point I really started to get suspicious and so my creative juices started flowing on how I could request an appropriate way to identify her without questioning her authenticity.

You can use this strategy too to bait your potential scammer without having to send any money first. I thought that since she has a slow internet connection and these video calls were just not working we try something different, she could take a short video clip of herself saying my name or talking about what you previously discussedsomething that would be a challenge for someone posing as another individual using images, video clips and sound.

She agreed but at first once again kept coming up with reasons to delay doing so another reason I think these delays are put in place is when the victim starts to seem suspicious, by taking a break, it gives time for those bubbling feelings of suspicion to simmer, allowing them the chance to once again have the upper hand when attempting to take advantage again.

Finally, as I had commonly stated through most of the conversations, I did not want my time wasted since I m an extremely busy person, I would only ever communicate with her for short periods of time, and whenever things dragged on, I would leave her and go back to my work. I stated many time the fact that I was so busy and didn t want my time wasted, and after all these delays I had enough and requested that she send the video by the next morning. That was this morning, at the time of this writing.

In the meantime, I finally became suspicious enough to go a little bit more in-depth with my research about Hangouts and how it may be a popular place to perform scams, and although the article has a religious bias colouring it unfortunately, it did contain a real story of it being a common place for this kind of fraud, presenting a scam-baiting project to uncover the crime Link To That Article Found By Clicking The Text In Parentheses You Are Now Reading.

When I woke up the next morning, I was presented with another couple of still images. That is not what I asked for. After pointing this out, within a few seconds she did send me a video clip, as requested. This video clip did include sound but she failed to mention my name or anything we talked about. This was a big red flag especially after reading that article and finding out why it is Hangouts is a hotbed for scams and frauds.

The reason it is, as stated in that article is that most major messaging and social media platforms now have filters in place to weed out the scammers and defrauders, Hangouts does not, and it is perhaps the only major platform that does not. That was a huge revelation for me; I finally found out why these women always chose Hangouts exclusively for communications. At this point I became more aggressive and even shared with her the article, her immediate reaction was to focus on the article s unfortunate bias against Islam, a religion I don t practice myself as I practice no formal religion or spiritual practice other than my own personal developments which I immediately responded that a very close member of my family practiced the religion, and that although I did not myself I stated that I respected all religions and that she should too.

Then I went ahead and got back to the point, send the video where she mentions my name and what we talked about, and although she kept agreeing to do so, and even at the time of this writing continues to try to contact me, she was never able to do this. Now asking to delay more once again with that defusing strategy before doing it, but now it was too late, she already got too many chances, and if she could take 15 seconds to write me those texts she could take a 15 second video clip without delay.

This pretty much confirmed my suspicion that she was just yet another scammer, trying to defraud men of their hard-earned cash, but that she was the most convincing and advanced on yet. Now my line became hard and I now stated that if she couldn t do it I could not believe or trust her, and she has yet to follow through on it though she keeps promising she really will. The fact that the images and sounds used were of particular appeal to my tastes really played well into the scammer s hand as well.

Though this may seem like a bad turn of events, I lost a small amount of cash and was finally fooled by one of them and should be embarrassed but in fact I am very happy it happened. The reasons I am happy are multiple. Had she not been convincing enough I would never have tested the waters with a monetary commitment. Instead of those unnatural aggressive approaches, she took a very natural conversational approach which was much more convincing.

If I hadn t gotten so deeply involved with one of the scammers I wouldn t have gone back to my research on the subject to get deeper into the possibility that Hangouts specifically is part of the trap I would not have found out so much what kind of physical appearance is really my type, since I ve been out of the dating game for years, having been married and recently separated. I was able to blow the lid on this much more advanced strategy so I could share it with you and you could also be warned that unless you ve met the person in real life, Hangouts is NEVER a place to be trusted Perhaps make a small contribution to Google getting their act together and meeting the standards of other major platforms by putting in scamming and defrauding filters and algorithms in place.

Moreover I even started to suspect that advanced chat bots may be being implemented for these scams as I found out in my research that Hangouts, like Twitter has an excellent chat bot system available. Though it is unlikely that chat bots were used in this case, due to sophistication of this strategy, while I have been observing the chat bots for quite some time and know that most of them aren t even advanced enough to communicate naturally without a longterm machine learning process, which can get them surprisingly realistic.

But even then, they often have slip ups and problems even in the most advanced chat bots. I also assume that most scammers aren t smart enough or capable to develop such advanced chat bots at this time, and it would be hard for them to develop them with machine learning based on this strategy. Therefore I assume it is a team of real people, but that in the future we better watch out since chat bots may be able to eventually be advanced and accessible enough to the common scammer to employ this way besides only having enough know-how to know that Hangouts has a major gap to be taken advantage by these nefarious practitioners.

Update She finally did make a video call where she was able to communicate properly and actually say my name. A lot of these clips, she is accompanied by another young woman who she s stated in messages is her roommate. This leads me to believe that it was the real person behind it at least as part of a team the whole time, since she was actually able to tell me her name and mine and it all checks out. After some more communications I learned that although a team may be behind this, in this case it just seems to be a women taking advantage of the kindness of generous men with status online by hooking them into a supposed relationship.

If this ever happens to you and you are not sure what to do, I have developed an effective strategy that actually works. Once the potential mate talks money, instead of playing along with their rules, suggest that you can offer her a job. Make this professional where she needs to apply to your company email. Start by asking about her skills, talents and experience and formulate a position you believe she could fill based on that, stress that hangouts communications are personal only and cannot involve business or money, but that you are offering a fair opportunity to employ her through online work at your company.

If she accepts the job along the lines of YOUR rules the employer only and does a good job, you have a new solid staff. In most cases though you will see they cannot execute anything or really provide and employment value, then you know it s just yet another one of the many e-beggars; a dime a dozen. This list is not exhaustive. It contains only the names of websites that we have received complaints about.

Some fraudulent websites are not included in this list either because they have not yet been brought to our attention or their names have been modified. Warning list of websites and companies that solicit investors illegally. Complet list of the active platforms in Québec today. End of the warning. 1st Trade options. Autre nom d affaire. AVA Trade EU Ltd. Accent Market Group inc. Ava Capital Markets. Australia Pty Ltd. Butenix Capital Ltd. Smart Choice Zone LP. Crypto Smart Financial Services.

EF Worldwide Limited. Blue Capital Markets Group. Financial and Fiduciary Services inc. Leadcapital Markets Ltd. Forex Club International Limited. Ava Capital Markets Pty. FSM Smart Limited. Global Options Trade. Capazone Invest Ltd. ICC Intercertus Capital Ltd, ICC Intercertus Capital Cayman Limited et Fiscus Capital Seychelles Limited. Media Force Limited. Hedge Stone Group.

Formula Investments House Ltd. Como funciona o iq option Capital Markets PTY Ltd. Libertex International Company Limited. Mirror Trading International. Norman Capital Group. TradeFinancials Ltd. Red Maple Trading. Celestial trading LTD Global Gateway. Nextrade Worldwilde Ltd. GN Capital Limited. Exo Capital Markets Limited. UFX Global Limited. Universal Forex Trade. United markets Capital.

Trading point of Financial Instruments UK Limited. If you have any doubts, call us. If you have the slightest doubt about the legitimacy of investment platforms or advisers that are actively soliciting you, don t hesitate to contact our Information Centre to check whether they are registered. Are you a victim of fraud. If you are a victim of fraud or have witnessed suspicious activity, notify the AMF now. End of the Information. Share the page by e-mail, This link will open in a new window Share the page on Facebook, This link will open in a new window Share the page on Twitter, This link will open in a new window Share the page on LinkedIn, This link will open in a new window.

Lodge a complaint Report fraud Report suspicious activity File a claim Make a comment. No need to wait on the phone. One of our agents will be pleased to return your call. How can a Postcode Lookup tool help you. What is a Postcode Lookup. Often the tool will return results as you type meaning you can choose the correct address as you go.

Using a postcode finder solution can help through several ways including. Reducing inaccuracies from manual entry Avoiding the chances of having duplicate data enter your database Ensuring an easier and faster customer experience when they enter the information whether it be over the phone in call centres or via web forms on your site.

How can we help with your postcode capture. Postcode Lookup is a tool that aids accurate and reliable postcode searches. Find out more about all of our address validation options including postcode capture and cleaning that you can use to improve your address data. Address Validation Guide. Legal Terms Conditions Privacy Policy Cookies CRAIN Statutory Report Press Manage your marketing preferences Investor Relations Contact Us.

Experian Ltd is authorised and regulated by the Financial Conduct Authority firm reference number 738097. Experian Ltd is registered in England and Wales no. Registered office The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham NG80 1ZZ. Recent scandals at Olympus, Barclays, and Wal-Mart, among others, illustrate the ongoing need for organizations to continually review and strengthen their corporate governance practices.

CPAs play a key role in this process. Do you know the best practices for setting up a corporate governance system. Can you spot governance weaknesses that might allow for fraud in an organization. Are you up to date with the latest events, issues, and trends on the corporate governance front. Take this Fraud IQ quiz and find out.

Which of the following scenarios best exemplifies an agency dilemma. A sales manager for a publicly traded corporation knows that his employer is facing a temporary financial crunch due to the loss of a large sales contract. He also knows that the organization is scheduled to roll out a new product in four months, which should more than make up for the lost revenue. To help his company report better earnings during the current period, he records fictitious sales to one of his division s biggest customers and plans to reverse those transactions once revenue picks up.

His efforts give the company s profits a short-term boost, allowing the organization to meet its earnings targets for the quarter. A dentist hires a CPA to prepare the federal income tax return for his sole proprietorship. However, the dentist intentionally provides the CPA with a report that understates the money the practice brought in, resulting in an underreporting of revenue and underpayment of income tax to the IRS. Two brothers are partners in an advertising firm.

One has retired but retains a 50 ownership interest as a silent partner; the other is the CEO and has full responsibility for managing the organization. Unbeknown to the retired brother, the CEO is running tens of thousands of dollars of personal expenses through the firm, reducing both profits and partnership distributions. Which of the following statements is true regarding corporate governance requirements for publicly traded U.

Specific governance practices for U. public companies are mandated by the Uniform Corporate Governance Act. Unless explicitly excluded, all corporations listed on the New York Stock Exchange NYSE or Nasdaq Stock Market must adopt and disclose a code of conduct for all employees and report any waivers of the code for directors or officers. Unless explicitly excluded, all corporations listed on the NYSE or Nasdaq must have an internal audit function.

Specific governance practices for a U. public company are determined by the company s corporate governance committee. is a publicly traded company listed on the NYSE. Allen s board of directors is evaluating the company s corporate governance structure to ensure it follows best practices to prevent and detect fraud. The board contains three committees audit, compensation, and nominating.

The audit committee consists of three directors, including Jackson, Allen s former director of finance. Jackson left the company four years ago and joined the board of directors this year. He was appointed to be the audit committee s financial expert because he is a CPA with extensive experience in preparing, auditing, and analyzing financial statements, and he is already familiar with the company.

The other two members of the audit committee are not financial experts and have never worked as auditors. The committee is responsible for the hiring, firing, and compensation of the independent auditors, as well as overseeing their work. Which of the following changes should Allen make to its board of directors. To comply with the NYSE s listing standards for public companies, Allen Corp.

needs to add a risk management committee to its board of directors. Jackson should be removed from the audit committee because he worked for Allen Corp. within the past five years. The two nonfinancial experts on the audit committee should be replaced so that all three members of the audit committee have accounting or auditing experience. The audit committee should continue to hire and fire the independent auditors, but management needs to determine the auditors compensation.

Which of the following is the most effective way to incentivize a CEO to build long-term shareholder wealth in an ethical manner. Provide an annual cash bonus based on the company s financial performance. Structure the compensation package to be made up of only a predetermined annual salary that is greater than those of other executives in the same industry. Include a generous pension in the employment contract. Require that stock options received must be held until the CEO s retirement.

In 2011, the SEC charged military contractor DHB Industries with accounting and disclosure fraud. What was notable about this case regarding corporate governance practices. In addition to charging the company, the SEC also filed separate civil charges against three board members. The company was the first to be found guilty of violating particular requirements of the Sarbanes-Oxley Act. The findings of the case resulted in new rules on compensation committee independence.

The company s lack of an internal audit department resulted in a large increase in the penalties that were imposed. All of the following statements regarding the whistleblower provisions under the Dodd-Frank Wall Street Reform and Consumer Protection Act, P. 111-203, are true EXCEPT. Prior to the passage of the Dodd-Frank Act, the SEC could offer awards only for tips related to insider trading cases, and the award amount was capped at 10 of the penalties collected.

CPAs working on SEC engagements typically are not eligible to receive whistleblower awards if the information relates to violations by an engagement client. For a whistleblower to receive an award, the information provided to the SEC must result in monetary sanctions in excess of 1 million. Employee whistleblowers must report fraud internally before reporting to the SEC to qualify for an award.

is a Chicago-based private company with several offices around the world. Because the company is so spread out, upper management does not engage in much direct communication with lower-level staff. Nevertheless, Castle has a good reputation and has never experienced any serious scandals involving upper management. Stewart, an employee in the financial reporting department in Castle s Dallas office, is often asked by Gordon, his manager, to smooth revenue figures to meet the monthly goals set by the CFO.

Gordon stresses that the Dallas office always meets the budget goals set by the corporate headquarters and that salaries are tied to these metrics. Stewart is new at the company and figures that, although he seems to be violating GAAP, early revenue recognition is an acceptable practice at the company because Gordon told him to do it. Of the following, which is the best conclusion that can be drawn about Castle Inc.given this information.

There is no ethics policy in place at Castle Inc. does not have external auditors examining its revenue recognition policies. There is a poor tone in the middle at Castle Inc. has a policy that allows for income smoothing. When newly appointed Olympus President Michael Woodford blew the whistle on a 1. 7 billion cover-up in 2011, it drew global attention to Japanese corporate governance practices.

Which of the following is the reason this case was so noteworthy from a governance perspective. Olympus did not have an anti-retaliation policy in place. There were no independent directors on Olympus s board. The chairman of the board, Tsuyoshi Kikukawa, was never charged with fraud. Japan has a reputation for very strong corporate governance practices and transparency in financial reporting. One of the most important ways shareholders can participate in the corporate governance system is to take part in director elections.

However, there are many voting systems, some of which constrain the power of shareholders and limit their ability to monitor the board. In the United States, most public companies employ the plurality voting system. Which of the following best describes this system. Shareholders first write in nominees, and the candidates who receive the most nominations are then voted on by the shareholders.

Management provides nominees, and shareholders either vote for a director or withhold their vote. Shareholders provide the nominees, and management votes for or against each candidate. Management provides nominees, and shareholders vote for or against each candidate. Given the increased importance of, and attention to, protecting corporate intellectual property and sensitive customer and employee information, the area of information technology IT governance is a growing concern for many corporate boards.

Which of the following is true regarding how boards are addressing this issue. The majority of boards are creating separate IT risk committees to address IT governance issues. Boards are adding younger directors to increase the boards overall familiarity with IT issues and risks. Boards increasingly are engaging outside IT experts to advise them on IT risks and issues. The majority of boards are spending 20 or more of their meetings discussing IT-related risks and issues.

c An agency dilemma exists when there is an inherent conflict between the motivations of two parties in an arranged relationship, one of whom the agent is intended to act on behalf of the other the principal. An agent can be a single individual, as with the CEO brother described in this question, or it could be a group, such as a management team at a public company.

The same holds true for the principal, which can be a single owner or a group of owners, such as shareholders in a public company. The scenario is exacerbated when the agent has access to information the principal cannot easily access. In this situation, the principal must rely on the agent s judgment but cannot ensure that the agent will act in the principal s best interest. Public companies are far from the only entities that can run into an agency dilemma. The principal-agent dichotomy can occur at some private companies, such as those funded by a silent partner, venture capital, or angel investors.

Nonprofits and government organizations have inherent agency issues, as donors rely on the nonprofit s staff for effective and efficient use of their donations and taxpayers elect officials to act on their behalf. A robust corporate governance system addresses the agency dilemma by instituting mechanisms to align the interests of management and stakeholders and ensuring that no single party can make all the business decisions without the influence, input, or approval of other parties.

However, it is important for the principals to note that while effective corporate governance addresses this issue and is a crucial component of antifraud efforts, even the most robust governance system will not eliminate the inherent agency problem that arises from the divergence of ownership and management. b In the United States, corporate governance requirements are found in legislative and regulatory requirements imposed upon corporations. Each state has laws governing the corporations that are registered in it.

Iq Option Vale a Pena ou é Fraude? (Fiz o Teste e Veja o Resultado), time: 5:58


04.04.2020 : 14:46 Mazurisar:
In Sapiro Praises Ford. Since the person who had brought the lawsuit against Ford believed every word the industrialist had to offer, the public had no reason not to follow. Despite the two public apologies Marshall got Ford to make, scholar Victoria Woeste writes that Marshall handled the como funciona o iq option game with surprising ineptitude Woeste Suing Henry Ford.