Thursday, July 10, 2014

Do You Believe the IRS Lost its Emails about the Tea Party?

As someone who is registered as a non-partisan, I try to look at both political parties with a skeptical eye.  In the 2014 open California primary, I voted for five Republicans and five Democrats, for a variety of elected office.  I do not have a vested interested in either party, other than hoping that they will remain honest (which may be a pipe dream).

I am also old enough to remember the Watergate scandal and the missing 20 minutes of dictaphone tape that were supposedly erased by Nixon's secretary.  I was a young legal secretary at the time and, along with several other secretaries, I tried to re-enact the way that tape was supposedly erased, as described by the secretary.  We decided it was absolutely ridiculous that anyone could maintain such an awkward position for so long.  There was no way that the Watergate tape was accidentally erased.

As a result, I am very skeptical of the latest government scandal involving missing IRS emails.  Supposedly, IRS employee Lois Lerner had her computer crash in 2011.  She was the head of the IRS division that handled the tax exempt status for groups and is accused of having unfairly delayed the applications of organizations that were known to lean towards the Tea Party.  Some of the applications were delayed by as much as a year, a crucial delay during an election year.  The missing emails covered a two year period between 2009 and 2011. 

Now the IRS has asserted that they also lost emails on other computers that crashed, including the computer of Nikole Flax who was the chief of staff for Lerner's boss.

Doesn't that seem like an incredible coincidence?

This is especially disconcerting since all IRS emails, as well as the emails of other government departments, are supposed to be stored "in the cloud."  Apparently, these particular emails were not properly handled or saved.  This seems especially hard to believe since the emails were written over a two year period.  Really?  None of them were properly saved over a period that lasted that long?

If an individual made the same claims to the IRS, they would not believe us.  Why should we believe the IRS?

I'll be interested to hear what you believe.  Please feel free to leave a comment below.

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

Source:

http://abcnews.go.com/Politics/wireStory/lawmakers-irs-lost-emails-tea-party-probe-24175196


Wednesday, June 11, 2014

Despicable Scams Affecting Senior Citizens

It is bad enough that there are criminals around the world who seem to spend all their time trying to cheat Americans out of their hard-earned money.  What makes these crimes even more horrifying, however, is the fact that one out of three scam victims is over the age of 65!   The number may actually be higher, in fact, because senior citizens often do not tell anyone that they have fallen victim to a scam.  They are either too embarrassed or they do not want their children to take over the handling of their money.  Consequently, many of these crimes go unreported.  Both the AARP and the National Council on Aging are trying to inform people of these issues in the hope that fewer seniors will become victims. 

Common Scams Against the Elderly

Online Dating:  If you put your profile on a dating site, be cautious if, after weeks or months of pleasant messages, the person you have connected with online begins to express a need for money.  They may say they want the money so they can afford to visit you or because they have a medical or personal emergency.  Frequently they will ask that you send the money in a wire transfer.  American women over the age of 50 are the most common victims of these scams.  They lost a reported $34 million in 2012, while American men lost approximately $5 million.  It is believed that many more cases go unreported because the victims are too embarrassed to tell anyone.  Each incident costs the victim an average of $10,000.

Sweepstakes:  Beware of letters, emails and phone calls announcing that you have won a contest or sweepstakes, especially one that you do not remember entering.  If the contest administrators ask for money to pay them money in advance to cover taxes, insurance or other fees, it is almost certainly a fraud, since honest contests are not allowed to do this.  Call your local sheriff's office or county prosecuting attorney's office.

Phony Charities:  I have repeatedly listed on this blog that people need to thoroughly vet any new charity before they make donations to it.  Never give your credit card information to someone who comes to your door or calls you with a charitable request.  Be skeptical of any charities that you have never heard of.  Check them out with the Better Business Bureau Wise Giving Alliance, CharityNavigator.org, or a similar charity evaluator.  Otherwise, stick to charities that you have dealt with in the past and trust, such as your religious organization, the Red Cross, United Way, the Salvation Army and similar well-known non-profits.

Home Repair Scams:  These scams happen most often after a major catastrophe that damages homes in your neighborhood; however, they can happen at other times, as well.  Someone may show up at your door offering to repair your gutters, fix your driveway, replace roof shingles or make other home repairs.  They can cheat you in one of two ways: either they ask for an upfront fee and then disappear; or they make shoddy repairs and keep asking for more and more money to fix new "issues" they find (or create).  Get recommendations for contractors from your friends, neighbors or insurance company before you use anyone.  Make sure they have a contractor's license.  Never hire anyone who unexpectedly shows up at your door.

Grandparents Scam:  Two personal friends of mine have fallen victim to this scam.  Both of them were intelligent women who never thought they would fall for something like this.  Both of them discussed the situation with their husbands before sending money.  One of them is married to a retired Deputy Sheriff and even he was fooled.  In this scam, a upset "grandchild" or other relative calls, desperately begging for money and sobbing at the same time, so it is hard to recognize their voice.  Think you would not be fooled?  People in the United States have reported losing $110 million a year to this scam ... and many more may not have reported it!  We have already told our children and grandchildren to not get their feelings hurt if they call us and ask for money and we call other relatives to verify the story before we respond. 

Healthcare Thieves: This has been going on for a long time, but it is expected to become worse for a while because so many people are confused about the new Affordable Care Act.  A stranger, pretending to be a consultant, may offer to help you get free medical supplies or to help you understand changes to your insurance.  What they are really trying to do, however, is steal your identity, get medical care under your name, and leave you with the bill.  A woman here in Orange County, California, where I live, was arrested a few years ago for stealing another woman's medical identity and using the other person's identity to get several elective surgeries, including cosmetic surgery!

Investment Scams:  Unfortunately, these types of crimes did not end with the arrest of Bernie Madoff.  I have known several people who have fallen for these types of smooth-talking crooks.  One elderly couple we know lost nearly all their savings and were stunned when they discovered that "the nice young man" they trusted had actually stolen from them. This scam may start with a free-lunch seminar or some other special program set up under the guise of helping seniors find "low-risk" investments. People can be wiped out before they realize there is a problem.  Once again, stick with major investment firms, you bank or advisers whom you know very well.

If you believe you have been a victim of a thief or scammer, contact your local police department, sheriff's department or the prosecuting attorney's office.  Keep any evidence you have that will help them identify the person behind the scam.

Other scams that often target senior citizens are counterfeit drugs, funeral scams, anti-aging products, and deceitful practices involving financial services such as reverse mortgages.  Always discuss major outlays of money with other family members as well as trusted financial advisers.

Bottom line:  Be careful.  Be skeptical.  Rely on all those years of experience that have kept you safe during your younger days.  You do not want to give away your hard-earned savings to criminals.

Whether you are already retired or about to retire, you may also enjoy reading the information on my retirement blog.  It contains information about where to retire, financial planning, medical concerns, changing family issues, etc:

http://www.baby-boomer-retirement.com

Sources of information about scams:

http://www.ncoa.org/enhance-economic-security/economic-security-Initiative/savvy-saving-seniors/top-10-scams-targeting.html

AARP Bulletin, Fall, 2013.

Photo is courtesy of www.morguefile.com

Thursday, April 24, 2014

Scam Alerts for 2014

Every year, crooks from around the world go out of their way to try to find new ways to cheat people out of their hard-earned money.  The type of people who initiate these scams can range from local small-town contractors to international terrorist groups.  These people can also try to cheat us in a multitude of ways.  They may make a personal appeal, use a robo-call phone system, or go on a computer phishing expedition.  They might put a virus on your computer.

However they attempt to cheat us, we want to be prepared and know about the variety of tricks they may choose to use.  Here are some of the scams you need to watch out for in 2014:

Scam Alerts

*  If you used a credit or debit card in a Target Store anywhere in the United States in late November or the first half of December, 2013, you need to watch your statements carefully.  A foreign group was able to steal 40,000,000 credit card numbers.  It is possible that some PIN numbers were also captured.  Many of the cards are already for sale on international websites. To avoid problems, you may want to change your PIN number and/or ask that your card be replaced.  In addition, you should watch your statements carefully to avoid fraudulent charges.  If you are especially concerned, you may also want to enroll in a credit monitoring service to make sure your account information is not used to open new accounts.

*  According to the Federal Trade Commission, more people are defrauded by people promoting weight loss products than any other product category.  Talk to your doctor and read independent reviews before trying any miracle drug or supplement that claims it will help you lose weight easily and quickly.

*  Illegal or incompetent contractors often try to take advantage of people after a major weather event, such as an ice storm, hurricane, tornado or floods.  They may simply show up at your door and claim that your homeowner's association sent them, or that they were working on other homes in the neighborhood and noticed that your home needed work, too.  They may ask for large deposits, but do little or no work before they disappear.  Ask for referrals before hiring any contractor and verify, verify, verify.

*  Watch out for phony subscription invoices in your email or mailbox.  If someone other than the publisher contacts you about renewing a subscription, contact the publisher to make sure it is legitimate.

As always, be skeptical of any unexpected contact by a stranger ... whether that contact is in person, through a phone call or an email.  Scammers use a wide variety of ways to trick you, and you do not want to be their next victim.

In addition, you may want to follow a website such as this one in order to stay up-to-date on new scams that are going around.  An educated consumer is much less like to be tricked!

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

Photo of damaged home is courtesy of www.morguefile.com


Thursday, February 27, 2014

Leasing a House? Watch Out For This Scam!



Recently I heard about a scam that takes advantage of people in an especially cruel way.  There are people who are advertising homes for lease when the people who are creating the ads do NOT own the property, nor do they have the authority to lease it out to someone else.

For example, someone may copy the photos from a house that is for sale and use those photos to create an advertisement saying that the home is for lease at a very reasonable price.  When people inquire about it, they are asked to complete an application that looks very official.  Then, they are sent a copy of a "lease" and asked to return it, along with a deposit of a Cashier's Check, a wire transfer or something similar.  In some cases they have even asked for the first month's rent in advance, in addition to a large deposit. 

However, when it comes time to move in, the people who are currently residing in the home have NO IDEA THAT SOMEONE ELSE BELIEVES THEY HAVE LEASED IT !!!

It can happen anywhere, and it can happen to intelligent, well-educated people.  Here is a true story that took place just a few days ago in Irvine, California ... a city that, according to the FBI, has one of the lowest crime rates for any city in the United States:

http://www.bubblews.com/news/2458879-housing-scam

I interviewed the author of that article for more details.  She told me that her neighbor not only lost his deposit, but he almost lost his current apartment, since he had given notice to the apartment complex that he was moving.  It was just by luck that he discovered that he had been scammed.

Some people have lost thousands of dollars to this scam ... which can be a heart-breaking loss to someone who has just barely accumulated enough money to pay the first months' rent and a deposit on a home they want to lease.

Nearly everyone knows someone who is leasing their residence, so it is important that we get the word out to as many people as possible about this horrible scam.  I would not want this to happen to a single person that I know!

(Photo credit:  www.morguefile.com)

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

Thursday, December 26, 2013

Five of the Biggest Liars of 2013

Every year brings it own share of amazing lies and liars ... each one accompanied by a flurry of news stories that quickly fade away.  Some of them make national news; others only receive attention in one region of the country.

It's actually wise of us to go back from time to time and recognize the lies that many people fell for ... in the hopes that the public won't be so easily fooled in the future.

If you know of a situation that occurred in 2013 that you think should have made this list, feel free to include it in the comments section below.  I'll even allow links to articles on the topic, as long as the links are not promoting more potential scams.  (Believe it or not, I frequently have to delete comments containing links with obviously dishonest exaggerations such as "lazy way to make $50,000 a month."  I'm always amazed that people believe I will leave these types of comments on this site!)

Here are my picks for the biggest liars of 2013, based on the amount of interest shown on my blog over the past year.  Click on the title of the stories that interest you and you will discover that it is a link to the full article.  Beneath each title I've included a line or two from each of the articles to give you a better idea of the information they contain:

Clayton County Sheriff Elected Despite Felony Charges

"It seems beyond belief that Sheriff Victor Hill was elected to oversee law enforcement and the Clayton County jail in Georgia while he had 32 pending felony charges against him, including accusations of racketeering and theft." Learn more about this outrageous sheriff.

What is Catfishing and Could You Be Victimized?

"The latest person to be damaged by catfishing is Manti Te'O, a Notre Dame football player and Heisman Trophy contender".  Read more about his embarrassing story.

The Jodi Arias Lies

"Few recent trials have captured the attention of the American public more than the Jodi Arias murder trial.  She was accused of murdering her former boyfriend, Travis Alexander, on June 4, 2008 at his house in Mesa, Arizona by slitting his throat, stabbing him 29 times and then shooting him in the face.  After a televised four month trial, the jury convicted Ms. Arias of first-degree murder on May 8, 2013."  Read about the lies she told that convinced the jury that they should convict her.

How to Avoid Phony Online Product Reviews

"The website business2community.com recently posted an article about online reviews in which they reported that a research company named Gartner has discovered that approximately 15% of online product reviews are fake!"  Learn how to recognize a phony review!

Oops!  Anthony Weiner Did it Again!

"This week Mr. Weiner revealed that he actually had sexually explicit online relationships, via text, Twitter and Facebook, with approximately six to ten women while he served in Congress."  This is in addition to the scandal from 2012.  Is this going to become an annual event?

I'm sure we'll have more interesting scandals to read about in 2014.  I wonder if Anthony Weiner will make the list again!

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

Photo of Anthony Weiner is is official Congressional photo and is courtesy of www.wikipedia.org/commons

Sunday, December 1, 2013

Get Your Poetry Published and Avoid Poetry Scams

Are you, or one of your kids, an aspiring poet?  Poetry is a wonderful way to express your feelings and learn about the beauty of language.   Once we have written a poem, or anything else, we all have a powerful desire to share what we wrote with the world.  We also want to receive recognition for our accomplishments.

Unfortunately, there are people who prey on poets and try to trick them into buying their way into publications by giving them phony awards.  Fortunately, there are legitimate online sites where poetry can be published and where the poets can not only get recognition, but may also be able to occasionally earn a small amount of money without getting cheated or scammed.

Poetry Scams

First, you need to know how to recognize poetry scams, if you wish to avoid them.  They usually promote themselves as poetry contests or competitions and may suggest that they specialize in poetry contests for kids or for high school students.  You may see these poetry contests advertised in newspapers, magazines and online writing sites.  You or your child may even receive a letter promoting these competitions.   Typically the contest organizers either promise poets the chance to win money or simply the opportunity to get their poetry published.  All you need to do is mail in your poem and wait for it to be judged.

After a few weeks, contestants receive the good news that their poem has been selected as a semi-finalist in the contest and the contest organizers ask for permission to publish your poem in their anthology.  How exciting!  Up until now, everything has been free.

However, you want to see your poem in print, don't you? If you are a parent, you want to support your child's budding talent as a poet, so of course you decide to purchase a copy of the anthology.

Now, the contest organizers have you hooked.  They request $50 or more for you to receive a copy of the anthology so that you or your children can see their published poem.  In addition, you may receive other offers, such as a plaque with your poem mounted on it, cassette tapes of your poem being read by a professional, the opportunity to join an association for poets (for a membership fee), or even the chance to attend the "poet of the year" awards at a cost of hundreds of dollars.

Whether you only buy the anthology, or you pay for some of the other items and opportunities that you are offered, the truth is that you have fallen for a scam.  There is no contest.  All the poems submitted get the same exciting offers.

Fortunately, you do not have to fall for these scams in order to get your poetry published.

How to Get Poetry Published

If you or your children are poets, there are ways to get the poems published online without spending a dime.  You may even be able to occasionally earn a little money, as well as recognition from admirers of your poetry.

Publish your poetry online:  

There are several online sites that allow people over the age of 21 to publish poetry as well as essays and short stories.  One of my favorite is Hubpages.com.  Another site is Bubblews.com. If your child is the poet, and they are under the age of 21, you can join the site and publish their poetry for them.  You can even write an introduction, talking about your child in general terms.  You do not want to give out their real name or give personal information.  However, if you wish to say, for example, that your ten year old child wrote these fascinating poems about the birds in your backyard, that is perfectly acceptable, as long as you write the introduction and submit the articles under your own pen name.  (I recommend that everyone use a pen name when writing online.) Each of these sites operate a little differently.  However, they both pay a tiny amount of money for views ... which can add up over a period of time.  Bubblews pays a little faster and has a lower threshold for payment ... $25 rather than $50.  In either case, you are not charged to be on the site and you may even end up earning a little money!

If the poems are short, you may wish to put together a collection of several poems in one article, especially if they are related in some way.  In this way, you will be sure to meet the minimum requirements for article length (about 100 words on Bubblews and 300 - 400 words on Hubpages).  In addition, you may want to include photos.  For example, if the poems deal with your pets, the flowers in your backyard or items around your home, including photos will make them more visually appealing.

Once you have submitted the poems and set up an account, you can give your family and friends the URL for the article and let them read the poems.  Mention it in your Christmas letter.  The more views the poem gets, the more likely you will eventually earn a little money from the ads that will be published with it.  In addition to the possibility of earning money, you will also get recognition and the satisfaction of seeing your articles in print on a legitimate writing site.  Other writers on the site may also stop by, check it out, and leave encouraging comments from time to time.  (You can delete any negative ones.)

Publish Your Poetry as a Kindle Book:  

If you or your child is a prolific author of poetry, you may also decide to publish the poems in a Kindle poetry anthology that you create yourself.

Anyone can write a Kindle book.  You should not have the same poems on both an online site like Hubpages and in a Kindle book at the same time.  You can start by writing a few poetry articles on Hubpages and, once you publish your Kindle book, you may edit your articles to promote your book.

If you want to see samples of the Kindle books of poetry that are currently available at Amazon, use this direct link to Amazon's Kindle poetry books.

The instructions for writing a Kindle book can be found at Kindle Direct Publishing.  If you know a little about using the computer and how to write a document using Microsoft Word, you should be able to follow their instructions.  You can either take a photo or buy a photo and create your own cover, or you can use the plain cover that Kindle provides.

If you would like more detailed information about how to publish a Kindle book, you may want to order a cheap Amazon book that contains specific Kindle publishing instructions.

Once your book has been published for the Kindle, it will be available for sale at Amazon.com.  You can set the price yourself and make your book of poetry available for as little as .99 cents.  Of that, you will receive approximately one-third.  Once you have accumulated $10 in royalties, you can receive a direct deposit into your checking account.  In other words, you can publish your own poetry book for free and may even earn a little money from time to time.  What could be more exciting?

Get a print copy of your poetry book:

If you decide you would like to have a printed copy of your poetry book, you can use the Amazon company CreateSpace.com to publish one for free.   The process is very similar to publishing a Kindle book.  Then, you can order printed copies of your book for just a couple of dollars.  Again, if other people buy your books, you can earn royalties.

As you can see, rather than being scammed in a phony poetry contest, you can publish your poems legitimately and may even be paid publishing royalties.  In addition, your book of poetry will be translated into other languages and available for sale around the world.  You never know who will see it and appreciate the meaning of your poems.  What a satisfying feeling!

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

Copy of Irish Poem "May the Road Rise Up to Meet You" courtesy of www.morguefile.com


Friday, October 18, 2013

TSA Airline Security Or a Den of Thieves?

A few months ago, when my husband and I flew from Southern California to Northern California to attend a grandchild's graduation, we were asked by the airline agent whether or not we wanted to check our bags.  I told the desk agent that I was too concerned that the gifts in my suitcase would be stolen if I checked my bag.  The airline agent nodded briskly and told me that I was not the first to feel this way.  She made no attempt to defend the TSA.

When my sister got married in Las Vegas a couple of years ago, her college-age daughter packed six cute, brand-new dresses for her first trip to Vegas.  When she opened her suitcase at the hotel, all six dresses were missing.  Since she had a TSA approved lock on her luggage, only someone with access to a pass key could have stolen the dresses.  She reported the theft, but it did no good.  She was not reimbursed, her clothing was never returned and she was left feeling very cynical about the TSA.

Apparently, the Federal Government has been receiving a lot of complaints about many aspects of the TSA.  On July 31, 2013, TSA officials went in front of Congress to address a scathing report on airport security.  Among the issues they were expected to address were the 10,000 cases of TSA misconduct from 2010 to 2012 alone,  which have been documented by the Government Accountability Office.  The problems suggest that far too many agents are breaking rules and compromising security.

Among the complaints that need to be addressed are TSA pat downs that are considered far too aggressive by many passengers, especially women who have sometimes felt humiliated and embarrassed.

In addition, the Government Accountability Office listed approximately 2,000 cases of airline screeners falling asleep, not following procedures, or allowing relatives to bypass checkpoints.  Even when agents have fallen asleep on the job, often their penalty has been no more than a letter of reprimand.

The biggest issue for our family, however, are all the stories of screeners who steal from passengers.   The problem is so serious that last year ABC news reporter Brian Ross conducted an undercover investigation.  Mr. Ross intentionally left ten iPads at several different airport checkpoints.  In nine of thosee cases, the iPads were returned.  In Orlando, however, a screener stole the device and it was traced to his home.  Other stolen items were also found in this man's home.

Brian Ross also showed undercover video of TSA agents going through the luggage of airline passengers looking for valuables and taking whatever they wanted!

Although the TSA insists that it holds its workers to the highest ethical standards, our family is skeptical.

So-called airport security does not make us feel secure.  Recently, at LAX an airport employee set off several dry-ice bombs in secure areas of the airport.  Although they did eventually catch him, it took them longer than it should have because they did not have very many security cameras in the non-public areas of the airport.  Really?

Today, a Federal Marshal was arrested for taking photographs up the dresses of women who were flying.  He admitted doing it on at least 20 different flights. He was caught by airline passengers!

There are currently approximately 56,000 screeners working at the nation's airports, as well as many other airline and government employees who have access to our property when we travel.  While I admit that most are doing their job, far too many are not.  Consequently, I will continue to carry-on my luggage as frequently as possible.  When I do check bags, I will only pack things that won't upset me too much if they are stolen. I feel ridiculous even writing that, when you consider that we spend a fortune trying to assure ourselves that airline travel is safe.  From whom?  The people who are supposed to be protecting us?

Now I understand what it must have felt like for people to travel by stage coach in the Old West, where they were in constant danger from bandits and other types of attacks.

Isn't that a heck of a way to travel?

Sources:

"Good Morning America," ABC News, July 31, 2013.

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

Public domain photo of an airplane is courtesy of www.morguefile.com