Wednesday, December 31, 2008

I'm Sick of These Scammers Blowing Up My Mailbox!

I post ads on Craigslist from time to time for rentals.  Being on the internet as long as I have, I've developed a fairly keen sense of when someone's BSing me.  This 1 particular time, I decided to have a little fun with some scammer - just to see what he would do.  And yes, I'm SURE it was a HE!  Below is the email thread I shared with this guy.  My email address was removed, but I'm leaving his completely in tact!

Hope the bastard gets busted by the Secret Service!!! (I know it's a little annoying to read, but try to read it from the bottom up.  I thought it was kinda funny to see this guy get irritated by my foolishness)


to alisha mayer

dateSun, Jun 15, 2008 at 10:06 AM
subjectRe: $165 Private Room; Beautiful, Clean Brownstone (Bedstuy) (map)
mailed-bygmail.com


Hey sexy.  I spoke with Becos and gave him my information already.  The money order should be in the mail by now.  Like I said, you don't have to worry about a thing.
 
It's been a long time since I've had a sexy woman to cozy up to at night.  So I definitely am looking forward to your company.  What airport are you coming to and at what time?  I bought you something nice I'm sure you'd like.
 
I also have a business proposition for you.  I'll give you details if you're interested... ok
 
Jason


 
On Sun, Jun 15, 2008 at 10:41 AM, alisha mayer wrote:

Kindly get back to me with your full name ..full address ...zipcode and phone number so the payment will be made out to you in money order ok ... 



On 6/14/08, kappatalp wrote: 
Tell you what.  The room is yours.  I won't even charge you for it cause I think we can both benefit from each other's company.  Make sure you pack appropriate clothing for formal dining, clubs, and some nice lingerie for afterward. ;-)
 
Looking forward to seeing you on Tuesday!
 
 
Jimmy
PS
I'll send you all my information shortly. Maybe when I take a trip to Belgium some time you'll be a gracious host... :-)

 
On Sat, Jun 14, 2008 at 9:42 AM, alisha mayer wrote:

Anyway am single and i do care to have this room before tuesdat next week ok .


On 6/14/08, kappatalp wrote:
> I love Belgium women!  How old did you say you are again?  I can hardly wait
> to meet you.  I bet you have one of those cute Belgium accents too!  :-)
>
> Are you married?  Let me know what flight you'll be coming in on and I'll
> collect you from the airport.  We can talk about the rent after dinner ;-)
>
> On Sat, Jun 14, 2008 at 9:09 AM, alisha mayer
> wrote:
>
>> The payment will be mail out to you by my boss in state ok and i will
>> be coming over from belgium ok so all you need to do now is to send me
>> your full name ...full address ..zip code and phone number ok ... so
>> the payment will be made out to you ok ...
>>
>> On 6/14/08, kappatalp wrote:
>> > Daniel told me cash, but if you really want to, you can just bring the
>> money
>> > order with you when you come.
>> >
>> > I think you gave me the wrong number by the way.  I called you to hear
>> that
>> > sexy voice and someone else answered the phone.  Anyway, I still need
>> > the
>> > information from you for the application and I still want those pics and
>> I
>> > still want to hear that sexy voice.
>> >
>> > Tell me what you look like.  Are you comfortable with sharing a bed
>> > every
>> so
>> > often?
>> > Jacob
>> > On Sat, Jun 14, 2008 at 8:04 AM, alisha mayer
>> > wrote:
>> >
>> >> GOOD THANKS AND I WANTY YOU TO KINDLY NOTE THAT HE READY TO TRANSFER
>> >> THE MONEY INTO YOUR BANK ACCOUNT OR SEND YOU A MONEY ORDER FOR THE
>> >> PAYMENT OK .....
>> >>
>> >> On 6/13/08, kappatalp wrote:
>> >> > Is that your cell phone, or your house phone?
>> >> >
>> >> > I spoke with Hari and he said that he'll give you cash that you can
>> use
>> >> to
>> >> > pay for the room when you get here so you're all set.  I just need
>> >> > the
>> >> > information to put on the form, and your pics.  I'm also still very
>> much
>> >> > looking forward to hearing your sweet voice! ;-)
>> >> >
>> >> >
>> >> > On 6/13/08, alisha mayer wrote:
>> >> >>
>> >> >> Hello i will fill the form when i get back to state and i will send
>> you
>> >> my
>> >> >> pics once am able to get one of the pics scan today here is my own
>> >> number
>> >> >> ....+447031817549 and here is my boss number in us ...5104432549 his
>> >> name
>> >> >> is
>> >> >> Hari
>> >> >>
>> >> >>
>> >> >> On 6/13/08, kappatalp wrote:
>> >> >>>
>> >> >>> You don't need a printer - just send me the information requested
>> >> >>> on
>> >> the
>> >> >>> form separately and I'll fill the form out for you.
>> >> >>>
>> >> >>> What about the pictures and the the phone number?  I'd love to see
>> you
>> >> >>> and
>> >> >>> hear what you sound like.  ;-)
>> >> >>>
>> >> >>> Looking forward to you,
>> >> >>> Jimmy
>> >> >>>
>> >> >>>
>> >> >>>  On Fri, Jun 13, 2008 at 7:30 AM, alisha mayer <
>> alisha.mayer@gmail.com
>> >> >
>> >> >>> wrote:
>> >> >>>
>> >> >>>> Hello Johnny is good to read from you and i will want you to
>> >> >>>> kindly
>> >> note
>> >> >>>> that i dont have a printer here to print out the form and i will
>> want
>> >> >>>> you to
>> >> >>>> know that i will fill the form and the lease when i get to state
>> >> >>>> so
>> >> let
>> >> >>>> me
>> >> >>>> know the form of payment you want out of the two i stated ok
>> ....hope
>> >> to
>> >> >>>> read from you soonest ok...
>> >> >>>>
>> >> >>>>
>> >> >>>> On 6/12/08, kappatalp wrote:
>> >> >>>>>
>> >> >>>>> Sounds great!  Please fill out the attached appliction and send
>> >> >>>>> it
>> >> back
>> >> >>>>> to me.  If you have any pictures of yourself, I'd love to see
>> >> >>>>> them
>> >> too
>> >> >>>>> -
>> >> >>>>> preferably full body ones (no professional shots please).  I bet
>> >> you'd
>> >> >>>>> be a
>> >> >>>>> wonderful roommate! ;-)
>> >> >>>>>
>> >> >>>>> What's your phone number?  I'd also like to have an idea of what
>> you
>> >> >>>>> sound like. ;-)
>> >> >>>>>
>> >> >>>>> Johnny
>> >> >>>>>
>> >> >>>>>  On 6/12/08, alisha mayer wrote:
>> >> >>>>>>
>> >> >>>>>> from usa,i will like to secure the room... state soonest  and i
>> >> >>>>>> will
>> >> >>>>>> be checking in 2week time... the deposit fees will be made out
>> >> >>>>>> to
>> >> you
>> >> >>>>>> soonest to avoid anydelay .Here is little about me,Am an
>> >> >>>>>> Artist..
>> >> >>>>>> in
>> >> >>>>>> Hand and computer Drawing... textile designing as well as
>> >> >>>>>> Sculptures... it make me travelled alot...i was born in usa ,
>> >> >>>>>> but
>> >> >>>>>> presently i will moving in to the usa finaly from Belgium , so
>> all
>> >> the
>> >> >>>>>> payment arrangement is being take care of by my boss, i love
>> >> >>>>>> swimming,and going to cinema house..i love to make people laugh,
>> i
>> >> bet
>> >> >>>>>> it you will enjoy having me as your roommate, am not married, no
>> >> >>>>>> kids.i love to enjoy the best of life...I have discussed this
>> with
>> >> my
>> >> >>>>>> boss concerning the payment and i was giving two option ok so
>> >> >>>>>> the
>> >> >>>>>> first one is payment via certified check or cashier check so for
>> >> this
>> >> >>>>>> the details below are needed for the payment to be made out to
>> you
>> >> in
>> >> >>>>>> certified check or cashier ....
>> >> >>>>>> Full name .........
>> >> >>>>>> Address,
>> >> >>>>>> city,state,..........
>> >> >>>>>> zipcode,
>> >> >>>>>> Home phone.......
>> >> >>>>>> Cell phone......
>> >> >>>>>>
>> >> >>>>>> So that i can get this across to my boss for quick payment for
>> the
>> >> >>>>>> deposit, becos is a busy man.
>> >> >>>>>> The second payment option is paymentbthrough bank transfer and
>> the
>> >> >>>>>> bank account needed should be fron Bank Of America or Wellsfargo
>> so
>> >> >>>>>> here are the needed details
>> >> >>>>>>
>> >> >>>>>> ACCOUNT HOLDERS NAME
>> >> >>>>>> ACCOUNT NUMBER
>> >> >>>>>> ROUTINE NUMBER
>> >> >>>>>> ACCOUNT HOLDERS PHONE NUMBER
>> >> >>>>>> BANK NAME
>> >> >>>>>> BANK ADDRESS
>> >> >>>>>> BANK PHONE NUMBER
>> >> >>>>>>
>> >> >>>>>> I will want you to call my boss and talk to him  here is my boss
>> >> >>>>>> contact cell # his name is  Daniel Rinsola  and his cell number
>> is
>> >> >>>>>> 510-441-2563.call him now and talk to him ..lookingforward to
>> read
>> >> >>>>>> from you.
>> >> >>>>>>
>> >> >>>>>> Alisha
>> >> >>>>>>
>> >> >>>>>>
>> >> >>>>>> On 6/11/08, kappatalp wrote:
>> >> >>>>>> > Alisha,
>> >> >>>>>> >
>> >> >>>>>> > I'm not sure I understand what update you want me to get back
>> to
>> >> you
>> >> >>>>>> with.
>> >> >>>>>> > All of the information is provided in the ad.  Please let me
>> know
>> >> if
>> >> >>>>>> you
>> >> >>>>>> > have any specific questions.
>> >> >>>>>> >
>> >> >>>>>> >
>> >> >>>>>> > Joel
>> >> >>>>>> >
>> >> >>>>>> >
>> >> >>>>>> > On 6/11/08, alisha mayer wrote:
>> >> >>>>>> >>
>> >> >>>>>> >> ** CRAIGSLIST ADVISORY --- AVOID SCAMS BY DEALING LOCALLY
>> >> >>>>>> >> ** Avoid:  wiring money, cross-border deals, work-at-home
>> >> >>>>>> >> ** Beware: cashier checks, money orders, escrow, shipping
>> >> >>>>>> >> ** More Info:  http://www.craigslist.org/about/scams.html
>> >> >>>>>> >>
>> >> >>>>>> >> --
>> >> >>>>>> >> --
>> >> >>>>>> >> Hi am interested in your room for rent. i will want to the
>> >> >>>>>> >> get
>> >> back
>> >> >>>>>> to
>> >> >>>>>> >> me with update of the room and the rent
>> >> >>>>>> >> bills
>> >> >>>>>> >>
>> >> >>>>>> >>
>> >> >>>>>> >>
>> >> ------------------------------------------------------------------
>> >> >>>>>> >> this message was remailed to you via:
>> >> hous-715768663@craigslist.org
>> >> >>>>>> >>
>> >> ------------------------------------------------------------------
>> >> >>>>>> >>
>> >> >>>>>> >
>> >> >>>>>>
>> >> >>>>>>
>> >> >>>>>> --
>> >> >>>>>> --
>> >> >>>>>> Hi am interested in your room for rent. i will want to the get
>> back
>> >> to
>> >> >>>>>> me with update of the room and the rent
>> >> >>>>>> bills
>> >> >>>>>>
>> >> >>>>>
>> >> >>>>>
>> >> >>>>>
>> >> >>>>
>> >> >>>>
>> >> >>>>
>> >> >>>> --
>> >> >>>>  --
>> >> >>>> Hi am interested in your room for rent. i will want to the get
>> >> >>>> back
>> >> >>>> to
>> >> >>>> me
>> >> >>>> with update of the room and the rent
>> >> >>>> bills
>> >> >>>>
>> >> >>>>
>> >> >>>
>> >> >>>
>> >> >>
>> >> >>
>> >> >> --
>> >> >> --
>> >> >> Hi am interested in your room for rent. i will want to the get back
>> to
>> >> me
>> >> >> with update of the room and the rent
>> >> >> bills
>> >> >>
>> >> >
>> >>
>> >>
>> >> --
>> >>  --
>> >> Hi am interested in your room for rent. i will want to the get back to
>> >> me with update of the room and the rent
>> >> bills
>> >>
>> >
>>
>>
>> --
>>  --
>> Hi am interested in your room for rent. i will want to the get back to
>> me with update of the room and the rent
>> bills
>>
>


 
--

--
Hi am interested in your room for rent. i will want to the get back to
me with update of the room and the rent
bills
 






-- 

--
Hi am interested in your room for rent. i will want to the get back to me with update of the room and the rent
bills

Thursday, December 4, 2008

I Was ROBBED!

Yes, I was robbed. For years I had been paying too much for electricity, but that's all changed now!

There's a massive movement in NYC to break up the utilities that previously had a lock on the NYC market. ConEd is currently one of the targets, soon to be followed by KeySpan (now known as National Grid).

Price competition is being introduced through the implementation of Energy Servicing Companies (ESCOs). One such company is Ambit Energy! This company offers the SAME product (there's no "no frills" electricity here) via the same utility lines that ConEd uses to service you now. The ONLY difference is that they offer the product for less than the competition.

Changing servicing companies is FAST, EASY, and FREE!!!!! You've been given the power to choose. Don't be like me and stand by while you're cleaned out month after month! Switch your energy service to Ambit Energy and $AVE!


For more information, check out our Frequently Asked Questions page at http://khorus.joinambit.com/faq.asp

Saturday, May 31, 2008

Beware of Falling Minimum Payments

If you opened a credit card statement recently and were pleasantly surprised to find that your minimum payment due was lowered, don’t be so quick to “jump for joy”. What may appear as a small boost to your monthly budget is actually the rock that can weigh you down in debt for a lifetime.

More and more credit card companies are moving to requiring a minimum payment of 2% of your total outstanding balance. Consumer Action, a consumer advocacy group out of San Francisco, found that the number of card companies with a 2% minimum payment reached 53%, up from 43% just a year ago.

Some creditors have even gone so far as to call this a “consumer friendly” move claiming it will assist consumers faced with today’s economic woes. In reality, a lower minimum payment causes you to take longer to pay off your debt to the creditor while winding up paying them more money in interest payments.

For example, let’s say you have a credit card debt of $2500.00 @18% annual percentage rate (APR). Your monthly minimum payment based on a 2.5% pay back rate would be $62.50 per month. Oh and by the way, here’s what the credit card company really doesn’t want you to know - it will take you 20 YEARS to pay off your $2500.00 balance paying the minimum monthly due. And you will have paid the credit card company $3,365.51 in interest!

Now lets look at the same example using the rate of 2% minimum monthly payment. Your monthly payment drops to just $50.00 a month. You might be tempted to think “wow, I’ve got an extra $12.50 a month to play with, yippeee!”. Not so fast! That lower minimum payment now means it will take you 34.5 YEARS to pay off your balance of $2500.00 and you’ll wind up paying $6,430.93 in interest!

Consumer Action also reports that many credit card companies are imposing higher late payment fees and “more than a third of card issuers said they will raise existing cardholders' rates because of poor credit histories -- with other creditors -- even if the consumer has made regular, timely payments with that issuer”.

My advice is to watch your use of credit carefully, always pay more than the minimum monthly due, and be sure to read the fine print on any credit card offers or changes to your existing accounts.

© 2004, http://www.yourfreecreditreportnow.com
Author: James H. Dimmitt
James is editor of "TO YOUR CREDIT", a weekly free newsletter. Subscribe to the newsletter by visiting http://www.yourfreecreditreportnow.com.

Sunday, May 25, 2008

Can't Make Credit Card Payments? What To Do

Can't make your monthly credit card payments. It is important to understand what you can do in order to avoid late charges, increased interest rates and avoid having your credit score lowered. Taking the appropriate action can increase your ability to make future payments.

Not being able to make your monthly credit card payments is a common occurrence and there are solutions out there than can help. Many circumstances can arise that can cause an unexpected large expense or temporarily loss an income source that will drain funds and limit ones ability to pay bills on time. If this does happen to you, the worst thing you can do is to ignore the issue when it arises. As soon as you know that payments won't be able to be made is the best time to start addressing the issue. Failing to address the issue right away can cause the following problems:

  1. Increased future credit card interest rates
  2. Late Fees
  3. Get your credit score lowered by getting a late payment reported to the credit bureau
  4. Decrease your future ability to make on time payments

A short list of steps that you can take in order to avoid these problems:

  1. Call the customer service number for your credit card. Briefly explain your current situation and make them aware that it is not likely to happen again and tell them when you expect to be able to pay. If you have not done this in the past, it is very likely that they will give you an extension.
  2. If you feel comfortable enough, you can always ask friends or family for the money. Like with the credit card company, explain to them your situation and that you don't expect this to happen again and give them a date when you expect to have the money to pay them back
  3. Try to get a cash advance on your paycheck from your current employer. A lot of times employers will work with their employees to help them out.
  4. If you have many bills that you cannot pay, see if there is one that can wait. Missing credit card payments most of the time have the worst penalties and can create the most problems in the future.
  5. Obtain a Payday loan. This option can only be good if cannot get an extension on your credit card payment. This will normally cost you about $75, however it can benefit you because you won't be paying the late fee on the credit amount and you will be able to maintain a good standing on your credit keeping your future interest payments down.

It is important to maintain a good standing with your creditors because this will save you thousands in the long run by maintaining a better credit score, keeping your interest rate down, and eliminating late fees. Don't delay on taking action, address the issues as soon as they arise.

If this seems to be a constant problem, credit management/counseling could be a good option for you. With credit management you can get help planning a budget or help negotiate with current creditors about lowering rates or waiving late fees. It is important to take the necessary steps as soon as you realize there is a problem because this will save you thousands in the long run.

Find more debt relief solutions by visiting EndThisDebt.com a website that specializes in providing debt help advice as well connecting individuals with debt specialists based on their individual debt situation.

If you need help with your debt and would like to get a free debt consultation please fill out the form here.Free Debt Consultation

If you would like to obtain a payday loan please fill out the form here.Payday Loan

Article Source: http://EzineArticles.com/?expert=Manny_Vetti