Sunday, November 25, 2012

How to File a Federal Scam Complaint

Have you been the victim of internet fraud or a scam?  Don't just chalk it up to experience, and shrug it off.  File a scam complaint with the federal government.  Although this may not help you to get reimbursement, it will make the Feds aware of what happened to you.  Armed with this information, they can get the word out to other potential victims and, sometimes, they are able to even stop some of these scams.  You are providing an important community service when you report these scams.

Internet Crime Complaint Center IC3

You will want to file your complaint with the Internet Crime Complaint Center (also called IC 3).  This is a partnership between the National White Color Crime Center and the FBI.  Other government agencies, such as the FTC, as well as private firms including eBay and PayPal, help support the Internet Crime Complaint Center.  You file your complaint at: http://www.ic3.gov/crimeschemes.aspx

The types of crimes you will want to report includes credit card fraud, identity theft, illegal lotteries, money laundering, and auction fraud.    While IC3 does not investigate the claims, it does forward your complaint to the most appropriate  law inforcement agency, including the FBI.

In order to file your complaint, simply go to their site, provide your name, address and phone number, and answer the yes/no questions that they ask.  My husband recently filed a complaint with IC3 when we received repeated phone calls telling us that the caller was from Microsoft and they wanted us to go to a specific website to purchase software that would repair a breach to our computer's security programs.  Microsoft never makes these calls.  The entire episode was a scam!

The website for IC3 is:  http://www.ic3.gov/crimeschemes.aspx

In addition, this site will give you important information about a number of current scams.  Knowing about this website is essential if you want to protect yourself from all the lies and liars out there!

You may also want to read:

Online Dating Scams
Computer Virus Scams
Credit Fraud and Identity Theft During Your Vacation

You are reading from the blog:  http://lies-and-liars.blogspot.com

Photo of FBI courtesy of www.morguefile.com

Wednesday, November 21, 2012

Thanksgiving Thoughts 2012

As you begin to celebrate this Thanksgiving holiday with family or friends, and and sit down to a meal with lots of wonderful items to eat, I hope that each of you is able to look back over the past year and find many things for which you can be grateful.

I appreciate all the support that each of you have given this blog during 2012.  I hope that the information I have shared during the year has helped some of you avoid losing money because of a scam or fraud.

If you are reaching out to help others during this holiday season, thank you for your generous hearts.  I hope the information I reported in my blog post, "Be Suspicious of Phony Holiday Charities," will help you make sure that your donations are used correctly and in the way you intended.

If you are reaching out to others, whether they are old friends or new ones, I hope you will read my post, "Online Dating Scams," and find out how to protect yourself from people who are not who they seem.

Most of all, however, I hope that you have a wonderful and relaxed holiday, free of unwanted drama or resentments. 

To each of you, I wish you a very Happy Thanksgiving!

You are reading from the blog:  http://lies-and-liars.blogspot.com

Photo of pecan pie courtesy of www.morguefile.com

Sunday, November 18, 2012

How Clean is Your Hotel Room or Airplane?

As you travel to visit friends and relatives during the holidays or during your summer vacation, most of us assume that our hotel rooms, the restaurants, the airports, the airplanes and other public places are clean.  In most cases, in fact, these areas look and smell clean, and there is little evidence of the germs that have been left behind.  However, according to a Travel and Leisure article entitled "Germiest Places You Encounter While Traveling," you may want to use hand sanitizer or sanitizing wipes to clean up your hotel room as well as other public places you encounter during your travels.

Listed below are the places and specific items that were mentioned by Travel and Leisure, as well as additional items that were brought up in reports on my local television news station   You will want to take special care to either not use the items listed below, to wipe them off, or to santitize your hands after you use them whenever you are traveling.  In addition, you will want to take the same precautions with any questionable items, whether they are on the list, or not.

Avoiding Germs in Your Hotel Room:

Television Remote Control
Hotel light switches
Hotel Bedspreads (which is rarely washed)
Glass hotel glasses (which are sometimes simply wiped off with a towel)

Avoiding Germs at the Airport and on the Airplane:

Airplane Bathrooms
Airplane Tray Tables
Airplane seat pockets (and arm rests)
Airline blankets and pillows
Touch screen ticket kiosks (this applies to rail travel, too)

Avoiding Germs in Public Places:

Public Water Fountains
Restaurant table tops (a sanitizing wipe is a great idea)
The seats of restaurant chairs (avoid touching your seat)
Handrails on stairs, cruise ships, escalators, etc.  (Don't use them unless it is necessary for your safety, and then clean your hands with hand sanitizer afterwards.)

If you wish to see the complete research data, read the full Travel and Leisure article at "Germiest Places You Encounter While Traveling."

You may also want to read:

Are You Confident in the Patient Safety at Your Local Hospital?

You are reading from the blog:  http://lies-and-liars.blogspot.com

Photo of airport courtesy of www.morguefile.com

Thursday, November 15, 2012

Be Suspicious of Phony Holiday Charities

During the holidays we are often bombarded with heart-breaking letters from charities who are begging us for money so they can help starving children around the world.  Often they are accompanied with photos of starving, lonely or sad children from other countries.  As much as we want to help, most of us have limited resources and can only give to one or two charities.  As a result, we want to make sure that the money we give goes to the best charities possible.  How can we know for sure that we are giving to a legitimate charity and not one that is little more than a scam?

Rules for Avoiding Charity Scams

Do not let phone callers pressure you into making a donation immediately.  Ask them to mail you more information so that you have time to think about it.

Give to well-known, reputable charities.  For example, make your donation to your local church, television station or food bank.  You may also want to donate to internationally recognized charities like the Red Cross, Habitat for Humanity, Salvation Army, World Vision and UNICEF.  If someone in your family suffers from a chronic illness, you may want to donate to the charitable organization that is doing research into that illness.  Your doctor may be able to suggest a reputable charity to you.

Investigate the Charity

If you have any doubt at all that you are donating to a reputable charity, you may want to check them out before making a donation.  One way to do this is to contact the Wise Giving Alliance at the Better Business Bureau.

Take your time before making a donation so that you feel confident that the money you donate will be used for the purpose you intend.  If you regularly donate money to charities, you are certainly a person with a big heart. Don't let unscrupulous people hurt or disappoint you.  Take the time to make sure that what you are doing will really make a difference.

You may also want to read:

Phony iPad Hoax
Security Breaches Endanger Your Personal Information
How to Avoid ATM Theft, Scams and Skimmers

You are reading from the blog:  http://lies-and-liars.blogspot.com

Photo of child courtesy of www.morguefile.com

Sunday, November 11, 2012

How Christian Values Have Changed and Affected the Republican Party

During the past few weeks, both before and since the 2012 presidential election, I have had a number of conversations over coffee or lunch with other women I know.  We live in an extremely conservative area where Republican candidates are nearly always sent to Congress. All of these women are over 50 and have spent decades working, most are college graduates, and all of them have paid income taxes for their entire adult lives.  None of them are among the 47% of non-taxpayers that Romney referred to in one of his speeches. Several have a family income that is high enough that they would be affected by an income tax increase on those earning over $250,000 a year. There was one Jewish woman in the group; the remainder were Christians of a variety of denominations. While a few of these women voted for Romney, most voted for Obama, including the women with the higher family incomes.

As is common in our age group, we discussed how much things had changed since we were young.  We also talked about why the majority of us were no longer voting for Republican presidential candidates, although we had voted for Republicans at least a few times in the past.

A great deal has been said recently about how the Republican Party has not done an adequate job of reaching out to immigrants, and why they are having difficulty appealing to women.  We felt that the Republicans were still lying to themselves if they think immigration reform and women's issues were the only problems they need to address.  One issue that we felt the Republicans are overlooking is how much Christianity has changed since we were young women.

The mainstream Christian churches that we attended since the 1960's and 1970's have been much more progressive than many of the newer non-denominational Christian churches.  We grew up listening to stories of the Good Samaritan who Jesus praised because the Samaritan gave financial assistance and medical care to a man who was a citizen of a different country, as well as a person of a different religion and nationality.  We were taught that immigrants were the "neighbors" that Jesus admonished us to care for and welcome.  It is hard to believe today that at one time there were Arizona churches that offered aid and protection to illegal immigrants.

Christians in the churches of the early 1970's were frequently active in the anti-war movement, as well.  They often organized demonstrations against the war, and some churches even helped young men avoid the draft and flee to Canada.

Cooperation among the faithful of different religions was supported and encouraged in the past.  Youth ecumenical councils were established to help American children of different faiths get to know each other better.

Christian churches were also active in ending segregation.  While Sunday morning remains one of the most segregated days of the week in America, many churches did work during the 1960's and 1970's towards equal rights, equal access to the polls, and political access for people of all races.  Voting rights were a big issue for Christians of all races.

Another issue that was important to Christians who were raised during this era was access to medical care.  Jesus never asked anyone for proof of insurance before He healed them.  Most 1970's Christians were taught in church that they were expected to heal the sick, feed the poor and take care of those in prison.  We accepted that the most humanitarian way to do this was by supporting government social programs that provided food and medical care to those who were less fortunate, since there was no efficient way for the churches to do this on a person-by-person basis.  We accepted on faith that supporting these programs, and paying the necessary taxes, was the right thing to do.

Because of the Christian values that we were taught, it is difficult for many of us to accept political candidates who talk about encouraging self-deportation for immigrants, eliminating social programs, and refusing to implement a national healthcare program that provides access to preventive care for people of all ages, races and religions, regardless of their financial situation.  It is also painful for us to watch while the new breed of conservative Christians try to make it harder for the poor, elderly and sick to vote.

There is no question that my friends feel that Christian values have changed during the past 30 years, especially outside the mainstream churches, and that the Republican Party has embraced this change.  While some of my friends have accepted these changes and continue to support the Republican Party, even if they have private concerns, others have said that the Republican Party no longer stands for their values.  They listen in astonishment when Republican leaders say that the only problem the party has is an inadequate immigration policy.  These women feel that the party is deluding itself if they think that immigration reform is the only issue that needs to be faced.

Most of these women would be much happier if the Republican Party worked to make our government more efficient, so it could continue to provide services to people at the lowest cost possible.  Suggestions that were made included encouraging the Republicans to work on tort reform, lower medical costs, welfare to work programs, and identifying wasteful spending in all programs, including the military.  The women also accepted that changes need to be made to Social Security and Medicare, not by privatizing them but by making small tweaks such as slightly increasing taxes, and postponing the age when these programs start.

We are pragmatic women.  We want to get the most for the money we spend on social programs.  We do not want waste, and we do not want people to be able to easily cheat the system.  We want a party that works to modernize systems to make fraud and cheating much more difficult.  We want a party that stops grand-standing and begins to take actions that the public will support.  We want to see real results from the people we send to Congress.

If the Republican leaders want to be the party of faithful Christians, it needs to embrace the values of all Christians, not just members of the non-denominational mega-churches. It also wouldn't hurt the party to do more to reach out to people of other faiths.  There are many good, hard-working, tax paying, financially responsible people in this country who are not members of extremely conservative non-denominational Christian churches.  We believe in a two-party system.  However, if the Republicans cannot even win the hearts of all successful, working, tax-paying white Christians, they have a long way to go if they want to survive in a multi-cultural nation.

You are reading from the blog:  http://lies-and-liars.blogspot.com

Photo of church interior courtesy of www.morguefile.com

Thursday, November 8, 2012

Phony iPad Hoax

This week, Jalonta Freeman, a woman in Arlington, Texas, pulled into a gas station where a man was selling iPads and similar items at incredible bargain prices.  He offered to sell her an $800 iPad for the ridiculously low price of $200.  It seemed too good a deal to pass up, so Ms. Freeman paid him cash on the spot.  Unfortunately, she should not have been so hasty to part with her money.

Remember the old adage that "if it seems too good to be true, it probably is?"  This case was no exception.

When the woman opened the box containing her new iPad, it was sealed in packaging that looked exactly the way it should.  Then, she began to peel away the wrapper.  Inside she discovered that all she had purchased was a plain mirror that was about the same size and shape as an iPad.

Of course, the seller was long gone by the time the woman had unwrapped her new purchase.  

This should be a good lesson to all of us who are tempted to purchase something from the trunk of a stranger's car or anywhere else other than from a legitimate business, especially if that item is being sold at an unreasonably good price.  The product that is being purchased is almost certain to be illegal, stolen, counterfeit or completely phony.

As much as we all like a good deal, we are much safer going to reliable sellers, either a store or a legitimate online company, and paying more.  At least buyers will get the product that they actually want and not have to suffer the embarrassment and financial loss that can occur when we try to get too good a deal.

You may also want to read about other potential scams:

Online Dating Scams
Computer Virus Scams
Credit Fraud and Identity Theft During your Vacation
Stopping Lottery Scams and Cheaters

You are reading from the blog:  http://baby-boomer-retirement.blogspot.com

Photo of iPad courtesy of www.morguefile.com

Sunday, November 4, 2012

Are You Confident in the Patient Safety at Your Local Hospital?

It is a common misconception among patients in the United States that their local hospitals are safe, healthy places where they can confidently receive high quality medical care in a sterile environment. Sadly, this is not always the case, and people in many communities across the U.S. will be shocked to learn the ugly truth.  In fact, the U.S. Department of Health and Human Services estimates that approximately 1.4 million people are seriously harmed during a hospital stay, and roughly 180,000 people die every year from hospital caused accidents, mistakes and infections.  Putting blind faith in a community hospital is a misconception that most of us cannot afford.

How to Find Out Your Hospital Rating

When a company called Hospital Safety Score assigned grades to over 2600 American hospitals, over half of them received scores of "C" or lower, when they were assigned the letter grades A, B, C, D and F.

The scores were based on a number of important factors including things as simple as hand washing and correct antibiotic use to more serious issues such as the number of times an object was left inside a patient during surgery and how often a patient was accidentally cut during their treatment.

To find out how the hospitals in your area were rated, look them up on this free website:

http://hospitalsafetyscore.org

If you are not satisfied with the scores of the hospital nearest you, you may discover that there are other hospitals in your county that scored much higher.  If you want to compare two hospitals on the basis of death rates from heart attacks and pneumonia, as well as similar issues, you can do so on this U.S. government website:

http://hospitalcompare.hhs.gov

This website is operated by the U.S. Department of Health and Human Services and is also free.

Other Ways to Protect Yourself During a Hospital Stay

Even if your local hospital rating is very high, you will still want to take charge of your medical care as much as you possibly can.  Here are some steps you can take to improve your care:

Be nice to the medical staff.  It does make a difference.

Wash your own hands and ask your visitors and the medical staff to wash theirs, too.

Keep a close eye on your wounds, stitches and bandages.  Report any bleeding, oozing, dirty bandages, loose bandages or other problems to the hospital staff as soon as possible.

Take all the antibiotics that you are given.

Follow all pre-op and post-op instructions carefully.

Remember:  You are not the only person in the hospital.  You are surrounded by people with infectious diseases. You need to do everything you can to protect yourself during and after your hospital stay.  Don't turn complete responsibility for your health over to someone else, even if that someone else is a hospital staff member.  Speak up if you have concerns and questions.  It could save your life.

You are reading from the blog:  http://lies-and-liars.blogspot.com

Photo of hospital courtesy of www.morguefile.com

Feel free to leave comments below.  They will be emailed to me, and I will respond in the comment section.