Fraudulent #Email #Scams

 Don't be scammed

Now I get it, not everyone is tech savvy, or may not be aware of all the numerous scams out there in cyber world, but unless we’re living in igloos or on top a mountain in nowheresville, there are plenty of warnings on the news and from government agencies and banking institutions, alerting the public to some of the current scams, and offering protocol on what to do if we find ourselves victims of a scam.

 

Two prevalent scams going on here in Canada, and I’d have to guess other places in the world, are the ever-growing bank scams and the Canada Revenue Agency scams, particularly geared toward seniors. So let’s get into these cyber scams a bit more deeply.

 

Banks

 

Some of you may have been on the receiving end of receiving an email, or better, a text message, informing that your account has been compromised, or, your account has been frozen due to some suspicious activity, and many more similar headlines . The headlines are unnerving and send alarm bells to us, propelling us to dive into action to want to protect our assets immediately, and that’s exactly the intentions of these cyber bullies. This frightening feeling these bullies instill in us is what can lead us to do stupid things with our spontaneous nature to react.

 

First of all, NO BANK will ever email or text us asking you to sign into your account directly from an email or a text, asking to click on a provided link. NO BANK will EVER ask us for our password or pin number, or anything else of its ilk. If there is a real problem, the bank will notify by phone call, or letter, or perhaps an email directing us to go to our account and log in to obtain a private message they’ve sent. NEVER sign in to any financial or government accounts through an email or text. ALWAYS log in through direct website of corresponding accounts.

 

Banks make this info forthright in all their correspondence, informing the public that they will never ask of such requests as divulging pin numbers, passwords, etc. This is not only for our protection but for the bank’s as well, as in many incidents they become responsible for losses which they have to absorb themselves.

 

IT HAPPENED TO ME TOO. The first time I got one of those texts, supposedly from my bank, it was frightening. I didn’t attempt to open the text. I first thought it odd that the bank was texting me, considering they never even had my cell number. And to validate my suspicion, I called my bank and sure enough they verified the scam. People need to stop and evaluate before hastily complying with these fraudulent crimes.

 

Canada Revenue Agency

 

There has been a huge scam running for a few years now that is so widespread the RCMP (Royal Canadian Mounted Police) have gotten involved to find these cyber criminals trying to rob seniors of their life savings and pension cheques, read about it here. They will send emails again, with links to verify personal information, requesting government issued identification to access links. They will also send emails stating that there is a ‘bonus’ cheque waiting to be obtained after tax calculations have been made and found that they are owing excess funds that weren’t paid. There are all sorts of variations of attention grabbing headlines in their messages to pique interest. And as we all know, money talks, and hearing that we’re receiving some is alluring.

 

Seniors are often most vulnerable and cyber criminals know this. The Canadian government is working very diligently to find these cyber criminals, and requests that anyone receiving these unlawful emails and requests, to please report them to CRA where they can use these notifications for more information to find these bullies and arrest them. Here’s a notice from CRA:

 

Fraud, Phishing Scams and Canada Revenue Agency…

 

The Canada Revenue Agency (CRA) is warning Canadians to be careful of emails, voice mails, even mail claiming to be from the CRA. These are phishing scams that could result in identity thefts. Email scams may also contain embedded malware, or malicious software, that can harm your computer and put your personal information at risk of compromise. The CRA does not email Canadians and request personal information. Here is a most recent article from CRA:

 

June 21, 2016

The following email scam is hitting Inboxes now. This scam is a twist on the agressive Canada Revenue Agency (CRA) Tax Owing scam that have been targeting Canadians.

 

The scam email looks very realistic. It is unclear if this email scams is designed to collect personal banking information or to install viruses on your computer. Regardless, immediately delete any such email you receive from your Inbox and Trash.

 

The email scam claims that CRA has an e-transfer tax return to send to you and looks like this:  READ MORE 

 

Read another full article below on phishing scams posted by CRA:

 

http://www.m2financial.ca/news-and-articles/fraud,-phishing-scams-and-canada- revenue-agency/

 

 Here are just a few links listing some of the many scams currently circulating:

 

http://ottawa.ctvnews.ca/tax-season-brings-more-calls-on-cra-tax-scam-1.2804420 

http://www.rbc.com/privacysecurity/ca/schemes-and-scams.html

https://www.wellsfargo.com/privacy-security/fraud/bank-scams/

http://www.livescience.com/10041-7-greatest-scams.html

CRA income tax phishing scam still going strong, police warn

 

What Can We Do?

  • Be diligent and suspicious when receiving any correspondence informing or requesting to check our accounts
  • Don’t be ‘trigger happy’ and automatically follow links
  • Do some research. Google search scams related to the issue in question
  • Call your local branch or financial institution to question the authenticity of the request

By researching suspicious requests you are not only helping yourself, but others by informing the institutions of such scams so they can put out more alerts.

Help fight cyber crime and save yourself the grief in the process.

 

Below, find a great list of scams published by Cristina Chipurici, content marketer for Heimdal security blog:

 

Top Online Scams Used by Cyber Criminals

 

“Cyber criminals affected the online businesses and individuals since the internet networks first appeared and spread all over the world.

Internet services and websites make it easy for us to pay bills, shop, make online reservations and even work. And you can do any of these actions from any place in the world. Old boundaries and human limitations were dropped, in order for us to have access to almost any information. Our lives became so much easier.

But the same thing is true for CRIME.

Our freedom to navigate and access a wide number of online locations represents in the same time a main vulnerability, because an open door always allows access in both directions.

Criminal minds can reach these days further than before, into our private lives, our homes and work offices. And there is little we can do about it. . .”  CONTINUE READING 

 

Source:  https://heimdalsecurity.com/blog/top-online-scams/

 

**Note**- I sure wouldn’t like to hear that any of you have been lured into any of these scams. And on a completely different note I’m wondering if I may ask you all to keep check on your spam once in awhile. It’s come to my attention from a few of you this week that your not receiving my comments and I’ve been told that some of you are finding them in spam on your blogs. On the same token, I spend at least 2 hours every night reading blogs and leaving comments and I know how many responses I usually get from my comments and have noticed very few replies from blogs I’ve visited these past few days, so I know something strange is going on again with ‘Weirdpress’. To prove my theory, I’ve revisited a few blogs I know I’ve left comment on to check if my comments were visible, and they weren’t. So please try and keep on eye on your spam every few days. If this is happening with my comments, I suspect it’s happening with other’s too. 

Thank You. 🙂

Round 2 #Colonoscopy #Notfun —And How’s Your Week?

thoughts on

Warning: This post may offer a little TMI for the faint-hearted. But may be very informative for those who suffer with any type of bowel disorders and are curious to find out how other sufferers get through colonoscopies. I know I spent numerous hours googling every prep and review I could find.

 

It sure arrived quick enough; my second colonoscopy in three months. You can read the original post I wrote about Round 1 here. This time it was a redo because apparently the toxic potion I ingested in round one wasn’t potent enough for my bionic intestines. This time I was given, if you can believe, an even worse potion to take, complete with an assortment of laxatives to be taken pre-potion.

The delightful procedure of prepping was done yesterday (Tuesday) and it was just a part of the crappy week I’ve been having so far. (I’ll fill you in on the other crap later.)

So I tried my best to do everything I could to make this test go smoother than the last, and be better cleaned out by eating very light for a few days prior (which incidentally helps with the hunger one experiences on prep day from no food.) After taking the prescribed laxatives and experiencing nothing to write home about, I then began drinking the first of four litres of vile liquid around 2pm. In addition to the prescribed disgust, I also chugged an additional two litres of water throughout the day, hoping to push things along.

As a gal who eats holistically and doesn’t like to put additives, nitrates or fake sugars in her body, I felt as though I was ingesting poison into my empty stomach. My head was pounding and my stomach swelled to something which I imagined twenty months pregnant would look like, and felt like. Three hours went by and still no movement! Are you kidding me? I’ve read nothing but horror stories about people who stayed planted on the toilet for hours during this workout. Finally into the fourth hour I felt an urge, although not an urgent urge, it was an urge to go. Within a two hour span I went about five times. And although I didn’t feel nearly done, I was done.

I worried all night about not being ready for the scope the next morning, as I kept warm in my sweat suit, under a blanket with the air conditioning turned off in a blistering heatwave, where I left my husband stifling. That stuff goes through your veins and intestines like anti-freeze. I was panicking that once again, my scope wouldn’t be good because I couldn’t completely empty. I felt like crap all night, slept about five hours, then headed out early for the test.

I have to admit, the special clinic I go to for the procedure is pretty awesome. The nurses are fabulous, as they take your vitals, get your IV port ready for sedation, and make you comfortable in your hospital gown in your own private cubicle while resting on the gurney awaiting your turn. I was rolled into the small operating room where I got to chat with the doctor before they put me out cold, THE WAY I LIKE IT. I don’t want to see or feel anything. Dr. B. and me are almost like old chums now. Having recently been through that a few other times; while making jokes, I tried to make light of the situation.

I told her about my bathroom struggles and she couldn’t understand how that potent cocktail only sent me to the bathroom four or five times. I proceeded to tell her that because of my having Crohn’s disease, I’ve become an all or nothing girl — either I live in the bathroom, or a stick of dynamite can’t make me flinch. Again, she laughed. But on a serious note, I had to give her the bathroom report because she had to decide whether or not to scope me. I asked her nicely to please not reject me and make me go through this yet again.  FIND A WAY!!!! I asked her if she found that I wasn’t clear enough to see through, to just irrigate me, WHILE I’M OUT. Whatever it takes.

When I awoke back in my cubicle about forty-five minutes later, I really felt drugged; much more than the previous time. After a nurse unhooked my IV and assorted wires, I waited to have my chat with Dr. B. As I suspected, once again, I wasn’t  fully emptied but miraculously Dr. B. managed to make her way through for me. Okay, so yay, she didn’t find any more polyps, other than the three she removed on the previous visit. But I was sadly informed that I not only suffer from Crohn’s disease, I now also have it’s evil twin, Colitis.

I voiced my concern to Dr. B. about how hard it is on my body to go on this evil cleanse, and that I’m sort of in a Catch 22 where it’s very important I have this test, as evil as it is. It’s not easy going through prep for the average healthier person, and worse for someone like me who suffers with digestive orders. Too many people suffer from Crohn’s and Colitis in my family, and a few have already passed from colon cancer. I’m darn petrified and I’m not afraid to admit it.

So Dr. B. wants me back in September to discuss pathology results and to see what we can do about future colonoscopies, which she now wants me to have annually. I’m home now writing this with my stomach still sticking out, still under a blanket.

Okay, so that’s not my only shitty part of the week (pun intended). This has also come to my attention this week:

 

  • Remember I mentioned to you guys that I was audited back in June, and the havoc I went through getting it all sorted our for the accountant and government, which still cost me a pretty penny? Well, Monday (the day before prep day) I received another letter from the tax man. This time they want to do a three year audit on my husband! This of course entails, doing the work all over again. Once again, I’ll be digging and sorting receipts and my book publishing gets left on the back burner.
  • And if that wasn’t enough, today after coming home from my colonoscopy, I received more good news from my pals at Revenue Canada. They sent me a letter notifying me that my claims aren’t accepted and a (huge) bill will follow.

Now I don’t know about you guys, but my stress goes right to my intestines. Is it any wonder that one of the most potent laxatives known to man doesn’t have much effect on me? GO AWAY FULL MOON!

And how is your week going?

DGKaye ©2015