FTC Warns of Check Overpayment Scams

The Federal Trade Commission (FTC) is warning consumers of a dangerous and growing swindle called the â€Å"check overpayment† scam, now the fifth most common telemarketing fraud and the fourth most common Internet scam ever reported. In the check overpayment scam, the person you are doing business with sends you a check for more than the amount they owe you, and then instructs you to wire the balance back to them. Or, they send a check and tell you to deposit it, keep part of the amount for your own compensation, and then wire the rest back for one reason or another. The results are the same: the check eventually bounces, and you’re stuck, responsible for the full amount, including what you wired to the scammer. Typical victims include persons selling something over the Internet, being paid to do work at home, or being sent â€Å"advance winnings† in a bogus sweepstakes. The checks in this scam are fake but they look real enough to fool most bankers. Look Out! The FTC offers the following tips for avoiding the check overpayment scam: Know who you’re dealing with – independently confirm your buyer’s name, street address, and telephone number.Never agree to wire back funds to a buyer -- a legitimate buyer will not pressure you to do so, and you have limited recourse if there is a problem with a wire transfer.If you’re selling something over the Internet, say â€Å"no† to a check for more than your selling price, no matter how tempting the plea or convincing the story.Resist pressure to â€Å"act now.† If the buyer’s offer is good now, it should be good when the check clears.If you accept payment by check, ask for a check drawn on a local bank or a bank with a local branch. You can visit that bank branch to determine if the check is legitimate.There is no legitimate reason for someone who is giving you money to ask you to wire money back.Consider an alternative method of payment, such as an escrow service or online payment service. If the buyer wants to use a service you have not heard of, be sure to check it out to be sure it is reliable – check its website, call its customer service hotline, and read its terms of agreement and privacy policy. If you do not feel comfortable with the service, do not use it. The Lottery Winner Version In another version of this scam, the victim is sent a fake check for â€Å"foreign lottery winnings,† but is told they need to wire the sender the required foreign government’s taxes or fees on the prize before they can cash the check. After sending the fees, the consumer tries to cash the check, only to be told the sender is trapped in a foreign nation with no way to produce the cash. The FTC warns consumers to â€Å"throw away any offer that asks you to pay for a prize or free gift; and do not enter foreign lotteries – most solicitations for them are fraudulent, and it is illegal to play a foreign lottery through the mail or by telephone.† Resources More advice on how to be on guard against Internet fraud is available at OnGuardOnline.gov . Consumers are asked to report check overpayment scams to their state Attorney General, the National Fraud Information Center/Internet Fraud Watch, a service of the National Consumers League  or 1-800-876-7060, or the FTC at www.ftc.gov or 1-877-FTC-HELP.

Essay on Math 533 - Course Project Part a - 948 Words

AJ DAVIS is a department store chain, which has many credit customers and wants to find out more information about these customers. A sample of 50 credit customers is selected with data collected on the following five variables: LOCATION (Rural, Urban, Suburban) INCOME (in $1,000s – be careful with this) SIZE (Household Size, meaning number of people living in the household) YEARS (the number of years that the customer has lived in the current location) CREDIT BALANCE (the customers current credit card balance on the stores credit card, in $). The data appears below, and is available in Doc Sharing Course Project Data Set as an EXCEL file: LOCATION INCOME($1000) SIZE YEARS CREDIT BALANCE($) Urban 54 3†¦show more content†¦Rather what I want you do is to highlight what you see for three individual variables (no more than 1 graph for each, one or two measures of central tendency and variability (as appropriate), and two or three sentences of interpretation). For the 10 pairings, identify and report only on three of the pairings, again using graphical and numerical summary (as appropriate), with interpretations. Please note that at least one of your pairings must include Location and at least one of your pairings must not include Location. All DeVry University policies are in effect, including the plagiarism policy. Project Part A report is due by the end of Week 2. Project Part A is worth 100 total points. See grading rubric below. Submission: The report from part 4 including all relevant graphs and numerical analysis along with interpretations. Format for report: Brief Introduction Discuss your 1st individual variable, using graphical, numerical summary and interpretation Discuss your 2nd individual variable, using graphical, numerical summary and interpretation Discuss your 3rd individual variable, using graphical, numerical summary and interpretation Discuss your 1st pairing of variables, using graphical, numerical summary and interpretation Discuss your 2nd pairing of variables, using graphical, numerical summary and interpretation Discuss your 3rd pairing of variables, using graphical,Show MoreRelatedMath 533 Course Project Part B Essay1482 Words   |  6 PagesAJ DAVIS AJ DAVIS MATH 533 Project Consumer Tel – 123-456-7891 July 21st 2013 MATH 533 Project Consumer Tel – 123-456-7891 July 21st 2013 Lakshan Nanayakkara AJ DAVIS is a department store chain, which has many credit customers. A sample of 50 credit customers is selected with data collected on location, income, credit balance, number of people and years lived in the house Lakshan Nanayakkara AJ DAVIS is a department store chain, which has many credit customers. 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Interpret. * Determine the equation of the best fit line, which describes the relationshipRead MoreSylabus for Rhetoric3362 Words   |  14 PagesNOTE: All matters associated with this course are subject to change at the instructors discretion. Any and all changes will be communicated to students in writing. Course Description RHET 1302 will prepare you for college-level writing while helping you develop your critical thinking skills. Rhetoric is the study and practice of how people communicate messages, not only in writing and speech, but also through visual and digital mediums. In this class, you will develop skills to analyze theRead MoreStatistics Report - Effective Self-Studying Time9712 Words   |  39 Pagesis an essential part in learning process of each and every student. It plays an important role in the life of college and university communities. However, how much time is enough for self-study effectively at university? 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Death Foretold free essay sample

Chronicle of a Death Foretold In Chronicle of a Death Foretold, Gabriel Garcia Marquez ridicules the hypocrisy of the church, which is central to the life of the village. While the townspeople celebrate the arrival of the Bishop; sex, alcohol, and murder coincide with the supposedly sacred event. Marquez reveals hypocrisy through biblical allusions, the villages hedonistic lifestyle, and the murder of Santiago Nasar. The bible is often used as source of divine inspiration, but in Chronicle of a Death Foretold biblical stories are satirized to reflect the hypocrisy of the church. For example, many of the town’s people are named after biblical characters, such as Maria Alejandra Cervantes and Pedro and Pablo Vicario, while they act in the most unchristian way. Maria Alejandra Cervantes is named after the mother of God, Mary, but is herself a prostitute, the exact opposite of Mary who was the eternal virgin. Pedro and Pablo Vicario are named after apostles, but are portrayed as alcoholics and murderers. We will write a custom essay sample on Death Foretold or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Peter did not directly kill Jesus, but denied Christ three times before his death. Pedro denies Santiago’s innocence before the cock crows three times. Marquez portrays biblical allusion by relating each character to one who played a similar role in Jesus Christ’s life. The small Colombian town is filled with many Christians, yet through the course of the novel, Marquez reveals that the denizens of the town only care about virtues which are contradictory to those of Christianity. The three day festivals which mark Angela and Bayardo’s marriage the party, â€Å"had sacrificed forty turkeys and eleven hogs for the guests, and four calves which the bridegroom had set up to be roasted for the people on the public square. He recounted that 205 cases of contraband alcohol had been consumed and almost two thousand bottles of cane liquor, which had been distributed among the crowd. † (Marquez 18). The sheer amount of goods that Bayardo purchased for the party shows that some Christian’s value gluttony and greed. The town’s people failed to warn Santiago about his murder and showed little to no or care. They had audacity to gather around Santiago’s home to witness the crime, as if they did not care. Instead of following the Christian rule their determination to stick to hypocritical honor codes results to consequences such as the loss of innocent lives. Marquez compares the lifestyle of Jesus Christ to the life of Santiago Nasar. â€Å"Santiago put on a shirt and pants of white linen†(page 5). Like Jesus, Santiago wears a white linen shirt on the day he is supposed to die. White is symbolic for innocence and this choice of clothing promotes Santiago Nasar’s innocence. The nature of Santiago’s death is similar to the crucifixion of Christ. Santiago is stabbed through his hand against a wooden door by Pedro and Pablo Vicario, similar to Jesus being nailed to a wooden cross. The knife â€Å"went through the palm of his right hand and then sank into his side† (Marquez 117). Christ nailed to the cross is a stigma, or â€Å"the bleeding of hands†. While Father Amador performs the autopsy, he discusses Santiago’s wounds and compares Santiago’s wounds to the wounds of Jesus Christ. Father Amador says, â€Å"He had a deep stab in the right hand, it looked like a stigma of the crucified Christ†(Marquez 75). Gabriel Garcia Marquez creates a society that is based on the morals of Christian values. All citizens of the town believe in living honestly, loving, and faithfully, but they seem to believe in values that contradict Christianity. Marquez compares Santiago Nasar physically and ideologically to Christ Jesus. Marquez reveals the social corruption in the town through Santiago’s death. Santiago died for the sake of the Vicario reputation. He died in a way of honor and respect like Jesus. He sacrificed himself for the greater good by dying for others sins.

Macbeth Essays - English-language Films, British Films,

Macbeth Macbeth: a Tragic Hero A tragic hero is a person who's life is determined by four elements: fate, weakness (in Macbeth's case, fear), poor decision making, and the realization of flaws with inability to prevent the oncoming tragedy. First of all, fate is defined as the power or force held to predetermine events. Fate makes its first appearance in the play when Lady Mac receives Macbeth's letter which tells of the witches' prophecies. At this point, Lady Mac is stricken with fear because she is afraid that Macbeth will not utilize his opportunity to seize the crown, ?Which fate and metaphysical aid doth seem to have thee crown's withal? (1.5 29-30). In the end, Macbeth will have to come face to face with his fate and deal with it accordingly. Secondly, Macbeth's weakness (fear) is another element in his being a tragic hero. This weakness is portrayed often in the character of Macbeth. Oftentimes, tragic heroes must contain the element of fear, because it is a very humanizing element, so therefore without it, they would be some sort of superior human, which they are not. They are still human, even though they are heroes. In the case of Macbeth, his fear was created by himself due to the situations which he has involved himself with. Eventually it is this self-induces, self-produced fear which eats Macbeth from the inside out. In the end, Macbeth's fear becomes a totally all-inclusive, all- consuming creature which takes his life and virtually rapes him of his unlawfully obtained position of king. Bibliography 1) Aspects of Macbeth, Kenneth Muir, Philip Edwards, Cambridge University Press1978 2) The New Varioum Shakespeare, Macbeth, Horace Howard Furness, New York American Scholar, 1963. 3) Shakespeare: The Tragedy of Macbeth, John Russell Brown, Baron's Educational Series, Inc. 1963. 4) ?Double Profit? in Macbeth, H. L. Rogers, Melbourne University Press 1964. 5) Funk & Wagnalls Standard Dictionary, Lippincott & Crowell, Publishers 1980