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Monday, June 30, 2008

Earn Big Money Online

Are you tired of your usual eight-hour work that is rewarded by a paycheck that could barely make both ends meet? Do you want to break free from your financial bondage and live a happier and more fruitful life?

If you answered yes to both questions, well… this information is for you and for the millions of people out there who also feel the same sentiments.

The launching of the World Wide Web has opened unlimited opportunities for everyone. The Internet has become the cheapest, fastest and most convenient means of transferring huge volume of information across the globe. It has also paves way to the countless ways of earning income without spending extravagant amounts for the capital.

Below are only some of the various ways on how you can earn big money online:
1. Blogging
2. Reviewing products
3. Writing articles
4. Data entry
5. Typing
6. Filling-up surveys
7. Viewing ads (Paid-to-Click Programs)
8. Reading emails
9. Playing games

In my next posts, I will give you the details on how exactly you can earn from these.

Saturday, June 28, 2008

Trojan Horses Remover

I have several trojan horses remover to choose from Nod32, Kaspersky, and McAfee. Neither Norton nor Avira Antivirus is an option anymore, because aside from slowing my computer's processes Norton wasn't able to detect as many viruses as Avira can and while Avira was able to detect and remove many viruses, it is not that effective when it comes to trojan horses.

Based on my experience, the best antivirus application is Kaspersky. Kaspersky, even it its free version, has detected and disinfected a total of 78 viruses and 3 trojan horses applications in my computer. These are the number of infections detected after I run Norton and Avira Antiviruses. Of course, the anti-viruses were installed one after the other, making sure that the existing antivirus is completely uninstalled before installing another one. This is the proper way of installing antiviruses, otherwise, the application will not work properly.

After uninstalling Kaspersky, I tried using McAfee then Nod32, both in their free versions.
Guess what? No more infections were detected, I think Kaspersky had already wiped them all out.

Friday, June 27, 2008

Trojan Horses vs. Viruses

I used to use the latest version of Norton Antivirus (2008), when I switched to Avira, because the former is slowing my computer down. To my surprise, Avira, which is a free anti-virus, has detected a total of 51 viruses and two trojan horses. Avira's disinfectant grade for trojan horses, however is not as good as its detection grade. While many viruses and few trojan horses were identified, Avira cannot actually remove the trojan horses.

Based on my understanding, a trojan horse is not really a virus. It is a destructive program disguising as a harmless and beneficial application. Below are the differences and similarities of trojan horses and viruses.

Trojan Horses vs. Viruses (Differences and Similarities)
Trojan Horses
1. Self-Replication - no
2. Malware - yes
3. Introduce More Viruses - yes
4. Take Advantage of Security Flaws - not necessary
5. Destructive - yes

Viruses
1. Self-Replication - yes
2. Malware - yes
3. Introduce More Viruses - yes
4. Take Advantage of Security Flaws - yes
5. Destructive - yes

The extent of destructiveness of trojan horses and viruses are the same. Both malwares execute commands without the user's knowledge and permission.

Two types of trojan horses were detected by Avira:

1) Application.Ardamax_Keylogger
Ardamax Keylogger is a keystroke recorder that captures user's activity and saves it to an encrypted log file. The log file can be viewed with the powerful Log Viewer; and,

2) Trojan.Agent.KQ
Trojan.Agent.KQ automatically runs from Windows startup and attempt to access bad sites in order to download more malware onto infected computers.

Unfortunately, Avira cannot get rid of the trojan horses... Oh my... I think, I have to try another antivirus...

Does a Paid-to-click Program Really Pay?

Well...yes! In fact, I've registered for several paid-to-click sites and currently earning reasonable amounts parallel to my effort.

A paid-to-click (PTC) program is an online advertising tool where the viewer of the ad can earn money and/or incentive simply by clicking on the ad itself and viewing it for a certain short period of time.

The pay for each click varies from site to site, depends on the ad, and the length of time that it is required to be viewed. Most PTC advertisements refresh once every 24 hours, meaning – you can only click and earn from a particular ad every 24 hours. Earnings may vary depending on the number of daily clicks and ads available. The number of available ads, on the other hand, depends on the type of one’s membership in the PTC program.

This I have to tell you, the secret to earn under a free PTC account is to build a good downline by: (1) telling your friends to register under your referral link; and, (2) buying referrals (only if you are willing to spend to earn more).

Would you believe that I already earned over $200 dollars in PTCs in just one month? I highly recommend the PTCs at the left side because they pay me well and unlike most PTCs, these are 100% certified scam free. Promise, I've already tried them. Sign up now FREE and see for your self.

Thursday, June 26, 2008

EMAIL SCAM # 5 - REQUEST FOR HELP/APPEAL TO PITY APPROACH

Let us try to scrutinize this scam...

urgent
Sunday, June 22, 2008 1:54 AM
From: "charly marry"
charlymarii@gmail.com
To: undisclosed-recipients

Dear ,

Please We are chary and Mary the children of LateGeneral Charley the former Director of militaryintelligence and special acting General Manager of thesierra Leone Diamond mining operation( S.L.D.M.C ). Weare contacting you to seek your good assistance totransfer and invest US 8.5 million belonging to ourlate father which is deposited in a bank here in Ghana

This money is revenues from solid minerals anddiamonds sales which were under my fathers possessionbefore the civil war broke out. Following the breakout of the war, almost all governmentoffices,operations and parasites were attacked andvandalized.

The S.L.D.M.C was looted and burnt down to ashes,anddiamonds worth millions of dollars was stolen by therebel military forces who attacked our fathers office,many top government officials and senior army officerswere assassinated and our father was a key targetbecause of his very sensitive military position andappointment in the S.L.D.M.C.Regrettably, our fatherwas captured and murdered along with his brother incool blood during a mid-night rebel shoot-out when ourofficial residence in Freetown was ambushed by fordedsank o the notorious rebel leader. Our mothersustained very sever bullet injuries which resulted toher untimely and painful death in a private hospitalhere in Ghana

Now we are alone in a totally strange country withoutparents, relatives or any body to care for us at ourtender ages. Before our mother died, she told us thatour father deposited some money which he made fromdiamond sales and contracts in a bank here in Ghanaand that we should pray and find a trust worthyforeign business partner who would help us to transferand invest this money in profitable business ventureoverseas.She told us to do this quickly so that we can leaveGhana and then settle down abroad. She gave us thebank document to prove the deposit and then told usthat our father used my name as the only son todeposit the money in the bank.She told us that this isthe reason why we came to Ghana. My mother died afterwards. May her spirit rest in perfect peace.

I have gone to the bank to make inquires about thismoney and I spoke with the Manager of Internationalremittance who assured me that everything is intactand promised to help us transfer this money to myfathers foreign partners bank account as soon as weprovide our fathers partners foreign bank account forthem. However, the manager is very concerned becauseof our age. I am 25 years why my younger sister is 21years and as such advised that we should look for amatured person that will represent me at the bank.If you are willing to assist us,

please let us know immediately so that you willarrange the transfer ofthe money to your account with the bank.Please notethat we will offer you 10% of the total money ascompensation for your noble assistance in accordancewith my mothers advise. I am interested in anyprofitable commercial venture which you consider verygood in your country and you would also get a schoolfor me, my little sister so that we can finish ourcollege education.Please there is urgent need for the money to betransferred to your account because of the politicalcrises they are having in Ghana now. We are hoping tohear your urgent response.
Thank you and may God bless you and your dear family.
Yours sincerely
chary and Mary
phone number +233249923065

OBSERVATION:

This email is poorly constructed. Though we can actually forgive the senders of this scam for such a lousy work. The scammers are disguising themselves as Chary and Mary, claiming that they are in the age of 25 and 21 years. The two used a request for help and appeal to pity approach in this email scam. They narrated their sad story about the cruel death of their parents and mentioned that they "are alone in a totally strange country without parents, relatives or anybody to care for [them] at [their] tender ages."

Aside from their being orphans, they are also capitalizing on their ages. They always emphasized that they are too young (well in fact at ages 25 and 21 years, they are not anymore) and further said that the bank manager told them to look for a "matured person" (maybe they meant older person) who will represent them at the bank.

Given the benefit of the doubt that this is true, the bank manager’s advice is still absurd considering that persons ages 21 and 25 years are already old enough to decide independently and competitively on matters pertaining to their money or inheritance, more so that they do not have relatives anymore. Please note that the legal age in Ghana is 18 years. Is it really necessary to get a representative who is much older and from a foreign country? If a representative is really needed, they can get a lawyer from Ghana for the job and not just anybody who is a foreigner.

Chary and Mary also did mention that 10% of total sum will be awarded to the person who conforms to the agreement. Well, honestly, 10% is not a fair price considering all the trouble that a person will undergo for representing these two at the bank. If a prospective victim will tnot be very careful, it could mean the loss of his time, money, effort and even life.

Wednesday, June 25, 2008

EMAIL SCAM # 4- GAMBLING APPROACH

This is an example of a simple but effective email scam using the gambling approach.

EURO
Tuesday, May 27, 2008 8:31 PM
From: "EURO MILLIONNATIONAL LOTTERY ONLINE PROMO"
dfdghsdffg@yahoo.es
To: undisclosed-recipients

You have won ($1,500,000.00) Dollars
E:mail: lacaixa88@aol.com

Tel: +34-693-518-412
Fax: +34-91-181-7341
Tic Nr: 6460DGH Sr Nr: 0909AOB09

Observations:

This is an example of an email scam that is few in words but conveys a truly great illegal meaning. Lottery, sweepstakes, and casino are the most common examples of games of chance. These are called games of chance because winnings are based only on pure luck.

You can easily smell fraud in this email message.

First, you have to know that scammers always address their messages to undisclosed recipients - an already over-used name. Second, ask yourself, "Did you actually bet in any online lottery?" If not, then this announcement is a fake. How can you win in an online lottery that you did not actually play.

However, if you indeed joined an online lottery, ask yourself, "Is this the online lottery where you bet?" If not, then this announcement is a fake. How can you win in this lottery when you actually joined a different one?

Scam detection is truly a chicken feed…

EMAIL SCAM # 3 - PHILANTHROPIC APPROACH

Below is an email scam where the scammer used a PHILANTHROPIC APPROACH to lure a prospective victim.

ASSALAMUALAIKUN.....................ENDAVOUR TO USE FOR THE LESS PRIVILEDGED
Tuesday, June 3, 2008 11:58 AM
From: "Mohammed Bin"
To: cherz_1234@yahoo.com

FROM THE DESK OF MOHAMMED BIN

LAW CHAMBERS LEGAL
SOLICITORS/PRIVATE LAW
23 JIN JANG KEPONG FADASON
KUALA LUMPUR MALAYSIA
DIRECT LINE.+60169099244
EMAIL:
mohammed.bin_18@yahoo.com
Attention:

Your e-mail address came up in a random draw conducted by our law firm,MOHAMMED BIN Law Chambers in Kuala Lumpur Malaysia My name is MOHAMMED BIN (esq).

A personal attorney to our late client Mr.ABDUL SAAZ who worked for an oil firm in Malaysia, Mr.ABDUL SAAZ a well known Philanthropist,before he died, he made a Will in our law firm stating that $2M (two million U.S. dollars only) should be donated to any Philanthropist of our choice overseas.

We have made a random draw and your name and e-mail address was picked as the beneficiary to this Will. I am particularly interested in securing this money from the Bank, because they have issued a notice instructing us to produce the beneficiary of this Will within two weeks which happens to be you or else the money will be credited to the Government treasury as per law here.

It is my utmost desire to execute the Will of our late client. You are required to contact me immediately to start the process of transfering this money to any of your designated official account. I urge you to contact me immediately for further details bearing in mind that the Bank has given us a date limit. Please contact me urgently via my personal email address as follows: mohammed.bin_18@yahoo.com

CONGRATULATIONS
Regards BARRISTER,

MOHAMMED BIN [Esq].
ENDEAVOUR TO USE FOR THE LESS PRIVILEDGED


OBSERVATION:

This is a subtle version of the email scam from a person who claims to be Mr. Usman Kabore, Bill and Exchange Manager of Banque Commercial du Burkina (B.C.B).

Although the element of greed is also present here as in any other scam mails, it seems that the so-called Mr. Mohammed Bin is actually doing a noble act of sharing the huge amount of money to the less privileged.

The prospective victim should be very wary about this message. Let me highlight this phrase that was mentioned by Mr. Bin, "$2M (two million U.S. dollars only) should be donated to any Philanthropist of our choice overseas." A philanthropist is technically a moneyed person who spends for the good of other people. Be careful because what you are expecting might be the opposite of what they really want from you.

Unlike Mr. Kabore, Mr. Bin did not mention about how the prize will be divided between him and the prospective victim. However, like Mr. Kabore’s letter, this letter is also poorly edited or unedited and contains various grammatical and spelling errors considering that this letter came from a person who claims himself as a lawyer.

EMAIL SCAM # 2 - GREED APPROACH

Below is another example of an email scam. Let's find out below why this is considered as such...

Friday, May 30, 2008 11:06 PM
From: "usman kabore"
To: undisclosed-recipients

FROM THE DESK OF MR.USMAN KABORE BILL AND EXCHANGE MANAGER, BANQUE COMMERCIAL DU BURKINA-FASO OUAGADOUGOU,

Dear Friend I am the manager of bill and exchange at the foreign remittance department of banque commercial du burkina(B.C.B) here in Ouagadougou,Burkina Faso. In my department we discovered an abandoned sum of US$12.5mdollars in an account belonging to one of our foreign customer.Who died alongside with his entire family on Monday, 31 July, 2000 in a plane crash in paris.Please visit this site that is one of the evidence the directors brought in other to swallow the money at the end of the day,

http://news.bbc.co.uk/1/hi /world/europe/859479.stm"

Since we got information about his death, we have been expecting his next of kin to come over and claim his money because we cannot release it unless some body applies for it as next of kin or relation to the deceased as indicated in our banking guidlings and laws but unfortunately we learnt that all his supposed next of kin or relation died alongside with him at the plane crash leaving nobody behind for the claim. It is therefore upon this discovery that I and my colleagues decided to make this business proposal to you and release the money to you as the next of kin or relation to the deceased for safety and subsequent disbursement since nobody is coming for it and we don't want this money to go into the bank treasury as unclaimed bill. The banking law and guidline here stipulates that if such money remained unclaimed after five years, the money will be transfered into the bank treasury as unclaimed fund. The request of foreigner as next of kin in this business is occassioned by the fact that the customer was a foreigner and a Burkinabe cannot stand as next of kin to a foreigner. we agree that 30% of this money will be for you as a respect to the provision of a foriegn account ,10% will be set aside for expenses incurred during the business and 60% would be for me and my colleagues.

Thereafter, we will visit your country for disbursement according to the percentage indicated Therefore, to enable the immediate transfer of this fund to your desiggnited bank account ,you must apply first to the bank as a relation or next of kin of the deceased with a text of application that we will send to you,so we will like you to send to us your private telephone and fax number for easy and effective communication and location where in the money will be remitted.

Upon receipt of your reply, we will send to you by fax or email the text of the application . we will not fail to bring to your notice that this transaction is hitch- free and that you should not entertain any atom of fear as all required arrangements have been made for the transfer. You should contact us immediately as soon as you receive this letter.

Trusting to hear from you immediately

MR.USMAN KABORE
Bill and exchange manager,
BANQUE COMMERCIAL DU BURKINA(B.C.B).
URGENT REPLY TO: usmankabore300@yahoo.es

OBSERVATION:

The sender of this letter claims that he is Mr. Usman Kabore, Bill and Exchange Manager of Banque Commercial du Burkina (B.C.B). A person who attained such position is expected to have above average writing and editing skills. In the case of Mr. Kabore, he sent a poorly edited or maybe an unedited letter to his prospective "financial partner," an act that in itself puts a question on the genuineness of his credentials.

The BBC news about the July 2000 plane crash is not a proof of the presence US $12.5 million, claimed to be abandoned by one of the victims of the plane crash accident. A person, who has an imaginative mind, can weave all sorts of stories based from the news.

Money is truly the root of all evil. Mr. Kabore intends to defraud other people by telling them of his plans of defrauding the bank where he works. He is trying to get an accomplice who is as greedy or greedier than he is. This letter, however, is also addressed to good people because sometimes the demarcation between good and evil can get as thin as a piece of hair. The U$12.5 million is such a huge amount that can get very tempting, especially for those who are in need. Albeit the need and the seemingly good offer, one must not give confidential information easily. Be careful always….

Monday, June 23, 2008

EMAIL SCAM # 1 - Friendship Approach

The proliferation of email scams is just one of the dangers that is brought about by the World Wide Web. There are different types of email scam. However, to effectively help people to protect themselves from fraudulent online activities, it is important to given them specific illustration of how a real email scam example can be scrutinized.

Below is an example of an email scam (contents not edited) that used "friendship" as a tool in luring prospective victims. Wondering how will you know that this is a scam ? Please read the observation after the sample email scam.


With Due Respect And Humility I Write You This Message
Tuesday, June 3, 2008 1:45 PM
From: "QUIEN JELLO"
To: undisclosed-recipients

Dear Friend,

I,m a single . I come from Sierra leone.dear I,m interesting to be your friend after seeing your profile details here as i want to relocate to your area soonest .I need to hear from you and have something important to discuss with you . I need your help over my fund clearance and transfer for investment and will write you in details once i hear from you.and i will send more of my photos and ID for you to know me properly.

MY DATAS: MY NAME: MISS QUIEN JELO MY AGE: 24 YEARS MY OCCUPATION: MEDICAL STUDENT BEFORE THE WAR STARTED AND IN LEVEL 2 MARITAL STATUS: SINGLE AND NO BABY YET NATIONALITY: SIERRA LEONE MY FATHERS DATAS:HIS NAME: MR. PATEL JELO OCCUPATION: EXPORTER OF GOLD DURSTAGE BEFORE HIS DEATH : 52 NATIONALITY: SIERRA LEONE.

Amount he deposited in the finance company is valued $9.5 which i need your help for the clearance and transfer into your country where i want to relocate and have a good life I need your help for the clearance and transfer of the fund into your account for investment and want to let you know that am communicating you via public internet (CYBER CAFE) and presently in a small hotel and want to move out of this country as soon as the fund is out of here and your kind help is required.I have all the legal deposit document and will scan for you to see and understand me properly and my ID as well. can we talk about it you can send me mail Immediately Please walting for your Ugent responces .

Thanks And God Bless You

Quien Jello

Observation:

The sender of this email claims that she is Ms. Quien Jello from Sierra Leone. Let us take a look at her message from the shallow down to the deep.

Structure wise, this email contains many grammatical and spelling errors. By sentence construction analysis alone, one can already determine that this email is a plot because - the national language in Sierra Leone is English and a student of medicine, as Ms. Jello claims that she was before the war started, must at least be English proficient considering the quite long years of study - from primary to secondary to pre-medicine then to medicine proper. Based from this condition, one can already doubt the real identity of a certain Ms. Jello.

With regard to the substantive content, an appeal to friendship was used to lure the victim into a bogus financial proposal. By the tone of the message, the friendship offered maybe that of an intimate type, having mentioned that she is single, "NO BABY YET", interested in (mutual) friendship and willing to relocate at the prospective victim’s country. This email maybe most appropriately sent to a heterosexual male or lesbian than to a straight female like me. If Ms. Jello had truly viewed my profile, just like what she mentioned, she should have known something about me and my interests.


Detecting the authenticity of this email scam is not really that hard, isn’t it?



Sunday, June 22, 2008

Email Scam - Serious Criminal Acts Matter (S-C-A-M)

It’s been a week since you scanned your e-mail messages. Today, you are anticipating a message from an important somebody. So, you opened your e-mail to check for that particular message. You searched in your inbox as well as in your bulk folder, and guess what? There is nothing peculiar in the messages that you’ve read, aside from one message saying that you’ve just inherited a huge sum of money, that only if it’s real, it might have caused you a serious heart attack!

What is more surprising is that, you were being asked about your residential home address, marital status, occupation and even your full name! Why on earth would they ask about your name, if you, as they claimed, is the heir of a million dollar worth of inheritance? They must have known you or even just a basic information about you, like your name, before sending you a shocking notice that you indeed is the beneficiary of an unbelievable wealth.

Well…well…well… if you received an e-mail message like this, do not be fooled because definitely, this is a SCAM! Scam is a smart scheme used to obtain something valuable from other people through fraud or deception. Truly, Serious Criminal Acts Matter -SCAM!

Email scams spread like viruses through the bulk emailing system. Scammers use various tactics to persuade prospective victims to divulge confidential and financially-related information. A victim is asked, insidiously, to give his credit card or bank account details to receive the promised deal. Sometimes, the victim is tricked to buy a bogus item. Only to find out later that he was repeatedly charged for it, although it was never shipped in.

A number of people have became poor victims of these illegal dealings. Some have agreed to meet with the strangers and guess what? They got their rewards – a bigger debt than ever, plus physical abuse and worse, even death!

Don’t be an easy prey. Email scam avoidance is just a chicken feed. For your safety, just hang-on on these four simple things:
1. Do not give a damn replying to unsolicited emails, delete them;
2. Keep in mind that the probability of getting rich quick is one in a million;
3. Spam emails are truly spam emails, most email scams go to spam folders; and most importantly,
4. Money is the root of all evil.