torsdag den 30. august 2012
Shock therapy to avoid scams l Quora - Business Exchange
Shock therapy to avoid scams l Quora - Business Exchange
The annual list of the top 10 consumer complaints is out, and it features familiar scams. Once again, the report is a good reminder to be careful. Some of the scams have become more sophisticated, with more high-tech ways of stealing your money. Topping the list are auto complaints, including misrepresentations in advertising or sales, faulty repairs, and leasing and towing disputes. In second place are complaints about credit and debt. The category includes mortgage modifications and mortgage-related fraud, credit-repair schemes, debt-relief services, predatory lending, and illegal or abusive debt-collection tactics. The five fastest-growing complaints are about fraud, debt-collection abuses, do-not-call violations, mortgage-related issues, and problems that people have had with both legitimate and sham home-improvement companies. New to the list this year are real-estate-related complaints. Hard times have left many people wanting to dump their timeshares, or at least get out from under yearly maintenance fees they can no longer afford. This desperation on the part of timeshare owners has been a boon to schemers. In one such swindle, “timeshare resellers” tell folks they can help them unload their unwanted properties and ask for an upfront fee for the service. I’m sure you can guess what happens. No buyers are found, no help is really offered and people are out of their money, stuck with a timeshare they can’t afford. But then another timeshare crook swoops in to add insult to financial injury. Timeshare recovery companies offer to help owners get back the funds lost to resellers. They ask for an upfront fee. It’s a double financial whack because this, too, turns out to be a scam.
The annual list of the top 10 consumer complaints is out, and it features familiar scams. Once again, the report is a good reminder to be careful. Some of the scams have become more sophisticated, with more high-tech ways of stealing your money. Topping the list are auto complaints, including misrepresentations in advertising or sales, faulty repairs, and leasing and towing disputes. In second place are complaints about credit and debt. The category includes mortgage modifications and mortgage-related fraud, credit-repair schemes, debt-relief services, predatory lending, and illegal or abusive debt-collection tactics. The five fastest-growing complaints are about fraud, debt-collection abuses, do-not-call violations, mortgage-related issues, and problems that people have had with both legitimate and sham home-improvement companies. New to the list this year are real-estate-related complaints. Hard times have left many people wanting to dump their timeshares, or at least get out from under yearly maintenance fees they can no longer afford. This desperation on the part of timeshare owners has been a boon to schemers. In one such swindle, “timeshare resellers” tell folks they can help them unload their unwanted properties and ask for an upfront fee for the service. I’m sure you can guess what happens. No buyers are found, no help is really offered and people are out of their money, stuck with a timeshare they can’t afford. But then another timeshare crook swoops in to add insult to financial injury. Timeshare recovery companies offer to help owners get back the funds lost to resellers. They ask for an upfront fee. It’s a double financial whack because this, too, turns out to be a scam.
Stressed and Depressed, South Koreans Avoid Therapy - Business Exchange
Stressed and Depressed, South Koreans Avoid Therapy - Business Exchange
It can sometimes feel as if South Korea, overworked, overstressed and ever anxious, is on the verge of a national nervous breakdown, with a rising divorce rate, students who feel suffocated by academic pressures, a suicide rate among the highest in the world and a macho corporate culture that still encourages blackout drinking sessions after work.
It can sometimes feel as if South Korea, overworked, overstressed and ever anxious, is on the verge of a national nervous breakdown, with a rising divorce rate, students who feel suffocated by academic pressures, a suicide rate among the highest in the world and a macho corporate culture that still encourages blackout drinking sessions after work.
Stressed and Depressed, South Koreans Avoid Therapy l Quora : A Jetpak created by mamitawarth : Jeteye
Stressed and Depressed, South Koreans Avoid Therapy l Quora : A Jetpak created by mamitawarth : Jeteye
It can sometimes feel as if South Korea, overworked, overstressed and ever anxious, is on the verge of a national nervous breakdown, with a rising divorce rate, students who feel suffocated by academic pressures, a suicide rate among the highest in the world and a macho corporate culture that still encourages blackout drinking sessions after work. More than 30 South Koreans kill themselves every day, and the suicides of entertainers, politicians, athletes and business leaders have become almost commonplace. The recent suicides of four students and a professor at Korea’s leading university shocked the nation, and in recent weeks a TV baseball announcer, two professional soccer players, a university president and the former lead singer in a popular boy band killed themselves. And yet Koreans — while almost obsessively embracing Western innovations ranging from smartphones to the Internet to cosmetic surgery — have largely resisted Western psychotherapy for their growing anxieties, depression and stress. Talk-therapy modalities with psychiatrists, psychologists and other types of trained counselors are only slowly being accepted, according to mental health experts here. “Talking openly about emotional problems is still taboo,” said Dr. Kim Hyong-soo, a psychologist and professor at Chosun University in Kwangju. “With depression, the inclination for Koreans is to just bear with it and get over it,” he said. “If someone goes to a psychoanalyst, they know they’ll be stigmatized for the rest of their life. So they don’t go.” Mental health experts said many troubled South Koreans seek help from private psychiatric clinics (and pay their bills in cash) so their government-insurance records do not carry the stigma of a “Code F,” signifying someone who has received reimbursement for such care. Even when Koreans do seek out counseling, the learning curve can be steep. A prominent psychiatrist with a practice in Seoul, Jin-seng Park, said it was not uncommon for some new patients to come to his office, talk over a problem for 40 minutes and then be shocked when they’re presented with a bill.
Shock therapy to avoid scams l Quora : A Jetpak created by mamitawarth : Jeteye
Shock therapy to avoid scams l Quora : A Jetpak created by mamitawarth : Jeteye
The annual list of the top 10 consumer complaints is out, and it features familiar scams. Once again, the report is a good reminder to be careful. Some of the scams have become more sophisticated, with more high-tech ways of stealing your money. Topping the list are auto complaints, including misrepresentations in advertising or sales, faulty repairs, and leasing and towing disputes. In second place are complaints about credit and debt. The category includes mortgage modifications and mortgage-related fraud, credit-repair schemes, debt-relief services, predatory lending, and illegal or abusive debt-collection tactics. The five fastest-growing complaints are about fraud, debt-collection abuses, do-not-call violations, mortgage-related issues, and problems that people have had with both legitimate and sham home-improvement companies. New to the list this year are real-estate-related complaints. Hard times have left many people wanting to dump their timeshares, or at least get out from under yearly maintenance fees they can no longer afford. This desperation on the part of timeshare owners has been a boon to schemers. In one such swindle, “timeshare resellers” tell folks they can help them unload their unwanted properties and ask for an upfront fee for the service. I’m sure you can guess what happens. No buyers are found, no help is really offered and people are out of their money, stuck with a timeshare they can’t afford. But then another timeshare crook swoops in to add insult to financial injury. Timeshare recovery companies offer to help owners get back the funds lost to resellers. They ask for an upfront fee. It’s a double financial whack because this, too, turns out to be a scam.
The annual list of the top 10 consumer complaints is out, and it features familiar scams. Once again, the report is a good reminder to be careful. Some of the scams have become more sophisticated, with more high-tech ways of stealing your money. Topping the list are auto complaints, including misrepresentations in advertising or sales, faulty repairs, and leasing and towing disputes. In second place are complaints about credit and debt. The category includes mortgage modifications and mortgage-related fraud, credit-repair schemes, debt-relief services, predatory lending, and illegal or abusive debt-collection tactics. The five fastest-growing complaints are about fraud, debt-collection abuses, do-not-call violations, mortgage-related issues, and problems that people have had with both legitimate and sham home-improvement companies. New to the list this year are real-estate-related complaints. Hard times have left many people wanting to dump their timeshares, or at least get out from under yearly maintenance fees they can no longer afford. This desperation on the part of timeshare owners has been a boon to schemers. In one such swindle, “timeshare resellers” tell folks they can help them unload their unwanted properties and ask for an upfront fee for the service. I’m sure you can guess what happens. No buyers are found, no help is really offered and people are out of their money, stuck with a timeshare they can’t afford. But then another timeshare crook swoops in to add insult to financial injury. Timeshare recovery companies offer to help owners get back the funds lost to resellers. They ask for an upfront fee. It’s a double financial whack because this, too, turns out to be a scam.
MAMITAWARTH-SPRINGHILL GROUP: Stressed and Depressed, South Koreans Avoid Therap...
MAMITAWARTH-SPRINGHILL GROUP: Stressed and Depressed, South Koreans Avoid Therap...: http://www.quora.com/Lee-Watanabe/Springhill-Group/Stressed-and-Depressed-South-Koreans-Avoid-Therapy-web-ample-l-mypage-rediff It can som...
Stressed and Depressed, South Koreans Avoid Therapy l Quora
http://www.quora.com/Lee-Watanabe/Springhill-Group/Stressed-and-Depressed-South-Koreans-Avoid-Therapy-web-ample-l-mypage-rediff
It can sometimes feel as if South Korea, overworked, overstressed and ever anxious, is on the verge of a national nervous breakdown, with a rising divorce rate, students who feel suffocated by academic pressures, a suicide rate among the highest in the world and a macho corporate culture that still encourages blackout drinking sessions after work. More than 30 South Koreans kill themselves every day, and the suicides of entertainers, politicians, athletes and business leaders have become almost commonplace. The recent suicides of four students and a professor at Korea’s leading university shocked the nation, and in recent weeks a TV baseball announcer, two professional soccer players, a university president and the former lead singer in a popular boy band killed themselves. And yet Koreans — while almost obsessively embracing Western innovations ranging from smartphones to the Internet to cosmetic surgery — have largely resisted Western psychotherapy for their growing anxieties, depression and stress. Talk-therapy modalities with psychiatrists, psychologists and other types of trained counselors are only slowly being accepted, according to mental health experts here. “Talking openly about emotional problems is still taboo,” said Dr. Kim Hyong-soo, a psychologist and professor at Chosun University in Kwangju. “With depression, the inclination for Koreans is to just bear with it and get over it,” he said. “If someone goes to a psychoanalyst, they know they’ll be stigmatized for the rest of their life. So they don’t go.” Mental health experts said many troubled South Koreans seek help from private psychiatric clinics (and pay their bills in cash) so their government-insurance records do not carry the stigma of a “Code F,” signifying someone who has received reimbursement for such care. Even when Koreans do seek out counseling, the learning curve can be steep. A prominent psychiatrist with a practice in Seoul, Jin-seng Park, said it was not uncommon for some new patients to come to his office, talk over a problem for 40 minutes and then be shocked when they’re presented with a bill.
It can sometimes feel as if South Korea, overworked, overstressed and ever anxious, is on the verge of a national nervous breakdown, with a rising divorce rate, students who feel suffocated by academic pressures, a suicide rate among the highest in the world and a macho corporate culture that still encourages blackout drinking sessions after work. More than 30 South Koreans kill themselves every day, and the suicides of entertainers, politicians, athletes and business leaders have become almost commonplace. The recent suicides of four students and a professor at Korea’s leading university shocked the nation, and in recent weeks a TV baseball announcer, two professional soccer players, a university president and the former lead singer in a popular boy band killed themselves. And yet Koreans — while almost obsessively embracing Western innovations ranging from smartphones to the Internet to cosmetic surgery — have largely resisted Western psychotherapy for their growing anxieties, depression and stress. Talk-therapy modalities with psychiatrists, psychologists and other types of trained counselors are only slowly being accepted, according to mental health experts here. “Talking openly about emotional problems is still taboo,” said Dr. Kim Hyong-soo, a psychologist and professor at Chosun University in Kwangju. “With depression, the inclination for Koreans is to just bear with it and get over it,” he said. “If someone goes to a psychoanalyst, they know they’ll be stigmatized for the rest of their life. So they don’t go.” Mental health experts said many troubled South Koreans seek help from private psychiatric clinics (and pay their bills in cash) so their government-insurance records do not carry the stigma of a “Code F,” signifying someone who has received reimbursement for such care. Even when Koreans do seek out counseling, the learning curve can be steep. A prominent psychiatrist with a practice in Seoul, Jin-seng Park, said it was not uncommon for some new patients to come to his office, talk over a problem for 40 minutes and then be shocked when they’re presented with a bill.
MAMITAWARTH-SPRINGHILL GROUP: Shock therapy to avoid scams l Quora
MAMITAWARTH-SPRINGHILL GROUP: Shock therapy to avoid scams l Quora: http://www.quora.com/Lee-Watanabe/Springhill-Group/Shock-therapy-to-avoid-scams-web-ample-l-mypage-rediff The annual list of the top 10 co...
Shock therapy to avoid scams l Quora
http://www.quora.com/Lee-Watanabe/Springhill-Group/Shock-therapy-to-avoid-scams-web-ample-l-mypage-rediff
The annual list of the top 10 consumer complaints is out, and it features familiar scams. Once again, the report is a good reminder to be careful. Some of the scams have become more sophisticated, with more high-tech ways of stealing your money. Topping the list are auto complaints, including misrepresentations in advertising or sales, faulty repairs, and leasing and towing disputes. In second place are complaints about credit and debt. The category includes mortgage modifications and mortgage-related fraud, credit-repair schemes, debt-relief services, predatory lending, and illegal or abusive debt-collection tactics. The five fastest-growing complaints are about fraud, debt-collection abuses, do-not-call violations, mortgage-related issues, and problems that people have had with both legitimate and sham home-improvement companies. New to the list this year are real-estate-related complaints. Hard times have left many people wanting to dump their timeshares, or at least get out from under yearly maintenance fees they can no longer afford. This desperation on the part of timeshare owners has been a boon to schemers. In one such swindle, “timeshare resellers” tell folks they can help them unload their unwanted properties and ask for an upfront fee for the service. I’m sure you can guess what happens. No buyers are found, no help is really offered and people are out of their money, stuck with a timeshare they can’t afford. But then another timeshare crook swoops in to add insult to financial injury. Timeshare recovery companies offer to help owners get back the funds lost to resellers. They ask for an upfront fee. It’s a double financial whack because this, too, turns out to be a scam.
The annual list of the top 10 consumer complaints is out, and it features familiar scams. Once again, the report is a good reminder to be careful. Some of the scams have become more sophisticated, with more high-tech ways of stealing your money. Topping the list are auto complaints, including misrepresentations in advertising or sales, faulty repairs, and leasing and towing disputes. In second place are complaints about credit and debt. The category includes mortgage modifications and mortgage-related fraud, credit-repair schemes, debt-relief services, predatory lending, and illegal or abusive debt-collection tactics. The five fastest-growing complaints are about fraud, debt-collection abuses, do-not-call violations, mortgage-related issues, and problems that people have had with both legitimate and sham home-improvement companies. New to the list this year are real-estate-related complaints. Hard times have left many people wanting to dump their timeshares, or at least get out from under yearly maintenance fees they can no longer afford. This desperation on the part of timeshare owners has been a boon to schemers. In one such swindle, “timeshare resellers” tell folks they can help them unload their unwanted properties and ask for an upfront fee for the service. I’m sure you can guess what happens. No buyers are found, no help is really offered and people are out of their money, stuck with a timeshare they can’t afford. But then another timeshare crook swoops in to add insult to financial injury. Timeshare recovery companies offer to help owners get back the funds lost to resellers. They ask for an upfront fee. It’s a double financial whack because this, too, turns out to be a scam.
tirsdag den 17. april 2012
UPDATED: Gas Odor Evacuates Havre de Grace High Building - Havre de Grace, MD Patch
http://havredegrace.patch.com/articles/gas-odor-evacuates-havre-de-grace-high-building
Related Topics: Havre de Grace High School and Susquehanna Hose Company
UPDATED (1:50 p.m.)—A portion of Havre de Grace High School has been evacuated for a "faint odor of gas," a school official confirmed toPatch.
The building containing the gymnasium, auditorium and the music department was evacuated around 12:30 p.m.
Teri Kranefeld, manager of communications forHarford County Public Schools, told Patch in an email a "faint gas smell was detected by the boiler room near the gym. That building has been evacuated. Police and the [Susquehanna Hose Company] are on site to assess the situation."
Kranefeld had no further info as of 12:44 p.m.
Students in the gym and auditorium building were moved to the main building.
Chief Scott Hurst told Patch in a text message Monday afternoon that the Susquehanna Hose Company reported a gas leak in the boiler room to BGE. Hurst added that a BGE crew was on the scene around 1:45 p.m.
Stay with Patch for updates.
Springhill Group: springhill group south korea Learn what a CFE can do for you
http://melissarocks98.blogspot.com/2012/03/springhill-group-south-korea-learn-what.html
In today’s economic climate, who will help you protect your company and your clients from the devastating impact of fraud?
Fraud can creep into your business in a number of ways.
You may find you need an objective expert to deter potential problems, investigate allegations or provide resolution.
A Certified Fraud Examiner (CFE) offers anti-fraud knowledge and skills you need to:
• Investigate allegations against one of your employees
• Recommend strong anti-fraud internal controls
• Conduct interviews related to sensitive issues
• Provide assistance with financial dispute resolution
• Resolve irregularities discovered during your company’s audit
• Provide expert testimony on financial and investigative matters
A Unique Set of Skills
Fraud Examiners have a unique set of skills that are not found in any other discipline; they combine knowledge of complex financial transactions with an understanding of law, criminology, investigation and how to resolve allegations of fraud.
CFEs work in a variety of disciplines including accounting, auditing, fraud investigation and security, as well as in different industry segments including government, healthcare, financial services, manufacturing and retail distribution.
CFEs are knowledgeable in four areas critical to the fight against fraud:
• Fraudulent Financial Transactions
• Criminology & Ethics
• Legal Elements of Fraud
• Fraud Investigation
Reduce Fraud Risks and Costs
Heightened fraud awareness, combined with new laws and regulations, has increased the already growing demand in the workforce for professionals who are highly skilled at deterring, detecting and investigating fraud.
CFEs have the ability to:
• Identify and reduce opportunities for fraud
• Implement effective anti-fraud controls
• Continuously improve anti-fraud measures based on new risks and technologies
• Educate employees to deter fraud and report wrongdoing
• Resolve allegations or suspicions of fraud
• Assist in the recovery of fraud losses
tirsdag den 6. marts 2012
Scammers Never Sleep | LoanSafe
http://www.loansafe.org/scammers-never-sleep
(Source: Tony Holt Hernando Today, Brooksville, Fla. (MCT) — Detectives in the mid-1990s investigated every scam case for as long as they could.
The trail always led beyond U.S. borders. Help was needed from other departments — federal, state or local. The number of investigations kept increasing, and new turns kept getting added to the maze.
Before long, investigators with the Hernando County Sheriff’s Office became aware of their limitations.
“These types of scams occur in so many variations in all forms — phone, email, U.S. mail, fax, Internet — every single day in Hernando County,” said Sgt. Jeff Kraft, a longtime fraud investigator. “The extent of the problem is such that if we tried to investigate them all it would be literally impossible.”
Kraft said he personally took on every investigation himself 15 years ago. He spent countless hours on the phone with other law enforcement agencies and issuing subpoenas to businesses and Internet providers.
“The sheriff’s office paid the expense for the investigations, and in the end, every single one ended up being traced outside of the U.S.A.,” he said.
His agency didn’t have the authority to track suspects or obtain certain documents outside the country. He said he never received the level of international assistance he requested.
“The main way to prevent these crimes and deter this activity is by educating our residents to help assist,” Kraft said. “There are so many variations to these scams that there is no one set of rules to prevent you from becoming a victim.”
The scam artists don’t quit easily. When people become aware of a particular scam —like foreign lotteries that require money to be mailed overseas — criminals change their tactics.
Fake work-from-home ads on the Internet are cropping up more frequently. They even appear in newspapers and magazines, according to the sheriff’s office.
Potential victims are asked to submit a resume or application. They receive direct deposits or checks and they are told to keep 10 percent as payment. The money is sent to the next person, likely overseas, and over time, the money gets transferred internationally and the scam artist gets free money. Meanwhile, the victim is notified by the bank that the payments were fraud. That same victim winds up in the red by hundreds or thousands of dollars, Kraft said.
Scams pretending to be Publishers Clearing House are still a magnet for the gullible consumer.
Martha Muse of Spring Hill said she and her husband recently received a notification purporting to be from Publishers Clearing House of a cash prize of more than $9,200.
The check drew their attention, but they soon realized it was likely fake.
Your ads will be inserted here by
Easy AdSense Pro.
Please go to the plugin admin page to paste your ad code.
Easy AdSense Pro.
Please go to the plugin admin page to paste your ad code.
“I realized the letter didn’t have a (return) address,” Muse said. “My husband noticed it was on cheap type of paper.”
A phone number was listed in the letter but the couple didn’t call. They turned in the letter to the sheriff’s office, and a deputy called the number. He confirmed to Muse what she had suspected.
The deputy told her to shred the letter.
“It was purely a scam,” Muse said.
Publishers Clearing House offers tips to avoid being scammed on its website athttp://help.pch.com/consumer/tips-warning-signs.
Another recently discovered scam involves an email from someone posing as an employee of the Internal Revenue Service. The email even includes an attachment or Internet link with an IRS logo.
The link leads to an online registration form. It asks for a birth date, Social Security number, address, credit or debit card number — and the personal identification number assigned to the credit or debit card.
“It is so important to be vigilant and help prevent fraud,” Kraft said. “It seems too good to be true in the beginning, but in the end, the true cost is much worse.”
The sheriff’s office updated its Web page to better educate residents on what to look for.
For more information, visit www.hernandosheriff.org and click on the Fraud Info and Alerts link.
Springhill Group: Medicare Dupery Bill Re-brought In - Wellsphere
http://www.wellsphere.com/add-adhd-article/springhill-group-medicare-dupery-bill-re-brought-in/1621423
1888PressRelease) Uncovering medicare scams latest news articles for general public to use.
U.S. Rep. Ileana Ros-Lehtinen, R-Miami, has reintroduced legislation that would double the amount of fines and incarceration for people in prison for Medicare fraud/scam. It also creates a new criminal offense punishable with a 10 year minimum sentence for those who intentionally sell or distribute the ID numbers of Medicare beneficiaries.
According to the Springhill Group, the legislation also bars those who have been part of Medicare dupery in the past from billing Medicare if they switch companies. It also facilitates real-time information sharing among law enforcement agencies to aid in uncovering and dismantling Medicare scams.
"South Florida has been known as the epicenter of Medicare dupery for years," she said. "It is time we took the fight to those who seek to defraud Medicare and prey on our most vulnerable citizens. This bill not only raises the penalties for those who engage in Medicare fraud, but also sets up a pro-active paradigm that will help stem the tide of abuse in South Florida and across the nation."The bill takes particular aim at Medicare theft in Miami-Dade County, widely regarded as the nation's capital of healthcare dupery. Medicare dupery in South Florida costs taxpayers between $3 billion and $4 billion every year, according to law enforcement and healthcare officials. Nationwide, Medicare and other healthcare fraud is estimated to cost $68 billion each in very year.
1888PressRelease) Uncovering medicare scams latest news articles for general public to use.
U.S. Rep. Ileana Ros-Lehtinen, R-Miami, has reintroduced legislation that would double the amount of fines and incarceration for people in prison for Medicare fraud/scam. It also creates a new criminal offense punishable with a 10 year minimum sentence for those who intentionally sell or distribute the ID numbers of Medicare beneficiaries.
According to the Springhill Group, the legislation also bars those who have been part of Medicare dupery in the past from billing Medicare if they switch companies. It also facilitates real-time information sharing among law enforcement agencies to aid in uncovering and dismantling Medicare scams.
"South Florida has been known as the epicenter of Medicare dupery for years," she said. "It is time we took the fight to those who seek to defraud Medicare and prey on our most vulnerable citizens. This bill not only raises the penalties for those who engage in Medicare fraud, but also sets up a pro-active paradigm that will help stem the tide of abuse in South Florida and across the nation."The bill takes particular aim at Medicare theft in Miami-Dade County, widely regarded as the nation's capital of healthcare dupery. Medicare dupery in South Florida costs taxpayers between $3 billion and $4 billion every year, according to law enforcement and healthcare officials. Nationwide, Medicare and other healthcare fraud is estimated to cost $68 billion each in very year.
Abonner på:
Opslag (Atom)