MLM WONDERS NEWSLETTER
Your MLM Home Business Starting Point
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VOL 2, ISSUE 10 Nov 1, 2004
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**CONTENTS:**
Feature Article: Cyber Crooks Go Phishing
Laugh A Little: Joke of the Moment
Helpful Tip: Mostly Computer Related
Useful Resources: I'll find them for You!
Thought For Today: Inspirational (I hope)
Contact Information;
And a Few Ads!
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Hi folks,
November always has a way of creeping up on us! I've put off long enough those things needing doing before winter. It's time to bite the bullet and get at it. Things like draftproofing doors and windows, getting the lawn mower properly stored away, digging out shovels and scrapers, yech! Oh well, living up here in the 'frozen north' does have it's ups and downs.
Anyway, have a good month and enjoy this month's article, it pertains to everyone.
Don't forget to download your free ebooks at:
http://www.mlmwonders.com/freestuff.html
Remember, I'm always just a click away if you have any questions about your own home based business, or any comments or questions for me. You can send an email to: webmaster@mlmwonders.com
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**FEATURE ARTICLE**
Cyber Crooks Go "Phishing"
- by Jim Edwards
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"Phishing," the latest craze among online evil-doers, has nothing to do with sitting at the end of a dock on a sunny afternoon dangling a worm to entice hungry catfish.
But, if you take their bait, this new breed of online con artist will hook you, reel you in, and take you for every dollar you have... or worse.
"Phishing" describes a combination of techniques used by cyber crooks to bait people into giving up sensitive personal data such as credit card numbers, social security numbers, bank account numbers, dates of birth and more.
Their techniques work so well that, according to FraudWatchInternational.com, "phishing" rates as the fastest growing scam on the Internet.
Here's the basic pattern for a "phishing" scam...
You receive a very official email that appears to originate from a legitimate source, such as a bank, eBay, PayPal, a major retailer, or some other well known entity.
In the email it tells you that something bad is about to happen unless you act quickly.
Typically it tells you that your account is about to get closed, that someone appears to have stolen your identity, or even that someone opened a fraudulent account using your name.
In order to help straighten everything out, you need to click a link in the email and provide some basic account information so they can verify your identity and then give you additional details so you can help get everything cleared up.
Once you give up your information... it's all over but the crying!
After getting your information, these cyber-bandits can empty your bank accounts, deplete your PayPal accounts, run up your credit card balances, open new credit accounts, assume your identity and much worse.
An especially disturbing new variation of this scam specifically targets online business owners and affiliate marketers.
In this con, the scammer's email informs you that they've just sent $1,219.43 (or a similar big but believable amount) in affiliate commissions to you via PayPal.
They need you to log into your PayPal account to verify receipt of the money and then email them back to confirm you got it.
Since you're so excited at the possibility of an unexpected pay day, you click the link to go to PayPal, log in, and BANG! They have your PayPal login information and can empty your account.
This new "phishing" style scam works extremely well for 2 basic reasons.
First, by exploiting your sense of urgency created by fear or greed, crooks get you to click the link and give them your information without thinking.
Second, the scammers use a variety of cloaking and spoofing techniques to make their emails and websites appear totally legitimate, making it extremely hard to spot a fake website, especially when they've first whipped you into an emotional frenzy.
The good news, however, is that you can protect yourself relatively easily against this type of cyber-crime with basic software and common sense.
Most of these scams get delivered to you via Spam (unsolicited email), so a good spam blocker will cut down on many of them even making it to your inbox.
If you receive an email that looks legitimate and you want to respond, Stop - Wait - Think!
Verify all phone numbers with a physical phone book or online phone directory like www.Verizon.com or www.ATT.com/directory/ before calling.
Look for spelling and grammatical errors that make it look like someone who doesn't speak English or your native language very well wrote it.
Never click the link provided in the email, but go directly to the website by typing in the main address of the site yourself (example: www.paypal.com or www.ebay.com).
Forward the email to the main email address of the website (example: support@paypal.com) or call the customer service number on the main website you typed in yourself and ask if it is in fact legitimate.
Above all remember this:
Your bank, credit card company, PayPal, eBay and anyone else you deal with online already knows your account number, username, password or any other account specific information.
They don't need to email you for ANY reason to ask you to confirm your information -- so NEVER respond to email requests for your account or personal details.
-- Jim Edwards is a syndicated newspaper columnist and the co-author of an amazing new ebook that will teach you how to use fr-e articles to quickly drive thousands of targeted visitors to your website or affiliate links...
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**MIDDLE AD**
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**LAUGH A LITTLE**
1. One summer evening during a violent thunderstorm a mother was tucking her small boy into bed. She was about to turn off the light when he asked with a tremor in his voice, "Mommy , will you sleep with me tonight?"
The mother smiled and gave him a reassuring hug. "I can't, dear," she said, "I have to sleep in Daddy's room."
Little voice: "The big sissy."
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2. A couple was going out for the evening.
They had gotten ready, all dolled up, cat put out, etc.
The taxi arrived, and as the couple walked out the door, the cat shot back in. They didn't want the cat shut in the house, so the wife went out to the taxi while the husband went upstairs to chase the cat out.
The wife, not wanting it known that the house will be empty explained to the taxi driver,
"He's just going upstairs to say goodbye to my mother."
A few minutes later, the husband gets into the cab.
"Sorry I took so long," he said. "Stupid old thing was hiding under the bed and I had to poke her with a coat hanger to get her to come out!"
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**USEFUL TIP OF THE MONTH**
Spyware
With the growing safeguards being made available to fight unsolicited email, the spamsters are turning to spyware. Spyware is Internet jargon for Advertising Supported software (Adware).
It is a way for software authors to make money from a product, other than by selling it to the users. There are several large media companies that offer them to place banner ads in their products in exchange for a portion of the revenue from banner sales. This way, you don't have to pay for the software and the developers are still getting paid. If you find the banners annoying, there is usually an option to remove them, by paying the regular licensing fee. The email client "Eudora" is a good example of this.
Adware (spyware) can arrive on your computer from many sources, but does so primarily from software you may download from the Internet. It may even be bundled into software that you buy.
So _ What are the symptoms of adware? If you suddenly find that your “Home Page” has changed and when you sign on the Internet, you are taken to a different site. If ‘pop-ups” start appearing on your system when you are not connected to the net, you are infected. If you see unusual activity on your computer when you are connected to the net, odds are that spyware is sending information from your system about you to someone.
Why does Spyware and Adware affect every internet user?
* All information you enter via the web can be intercepted
* Unauthorized sites can add themselves to your desktop (icons)
* Unauthorized sites can add themselves to your internet favorites
* Your browsing activity can be tracked and monitored
* Unwanted toolbars and searchbars can attach themselves to your browser without your knowledge or approval
* Your personal information can be sold to other parties without your knowledge or consent
* Your default homepage and settings can be hijacked so you can't change them
* These malicious components not only invade your PC so they can not be removed, but take up your hard drive space and slow down your PC!
How do you get rid of it? There is a basic problem here. The software that you got, actually generates the code for the pop-up ad presentations. Software is available that can find the actual pop-ups and eliminate them. But the software that is generating the ads is still there. When you remove them, it simply recreates them.
I tried “Spyware Nuker” which I thought would find and remove spyware on my computer. Much to my chagrin, I found that the amount of pop-ups increased by a measurable amount.
I then downloaded (free) “Ad-Aware” from Lavasoft and it found the spyware and removed it. Next day they were all back again.
Thinking about this, the only software I had downloaded recently was “Spyware Nuker” (that was when the trouble started) and Ad-Aware. I uninstalled “Spyware Nuker”, ran “Ad-Aware” and guess what – all my problems went away.
I do recommend “Ad-Aware” you can get it free at: http://www.lavasoftusa.com/ - click on “Ad-Aware Personal”
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**RESOURCES**
1. Measuring Keyword Density
To measure the density of the keyword phrases on your web page, go to http://www.gorank.com/analyze.php and type in the domain and keyword phrase you want to analyse. It'll give you a percentage for all the important parts of your page, including copy, title, meta keywords, meta description, etc. The higher the density the better.
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2. SEO Toolset.com
Find out who is linking to you and which search engines recognize them. Get your web page analyzed for keywords. Plus lots of other useful resources. Check them out at: http://www.seotoolset.com/tools/seotoolset.html
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**THOUGHT FOR TODAY**
You cannot dream yourself into a character; you must hammer and forge yourself one.
~ James A. Froude
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This newsletter is published by Yours Truly,
Randy Justason
257 Upper Waweig Rd
Waweig, NB
Canada E3L 4N2
506-466-3089
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Copyright 2003-2004 MLMWonders
ALL RIGHTS RESERVED
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