One Easy Rule for Avoiding Investment Fraud

I read about a phony investment scam recently. This one didn’t even have the sophistication of a pyramid or Ponzi scheme. The pitch basically consisted of this: “Give us $800 now, and later you’ll get up to $3,000 for being an early investor.”

I’m not even sure how much detail it went into beyond that.

And sure, it’s easy to spot such an obvious scam…from the outside. But real people fell for it. There was something about the approach that sounded appealing and legitimate. I say it all the time: nobody is 100% immune to fraud.

Still, I wasn’t going to write a whole article about this particular scheme because there really wasn’t anything to write about, but it did make me think, “Is there some kind of basic rule that people can use to filter out schemes like this?” The victims were approached with an (alleged) investment opportunity that sounded good, sent their money, and never got a dime back.

And there it was: they were approached.

They weren’t looking for something to invest in. Somebody approached the victims, out of the blue, with the promise of large, guaranteed returns.

Large, guaranteed returns are suspicious enough, but think about how investing really works in the real world: unless you’re a venture capitalist, nobody is ever going to simply approach you out of nowhere with something to invest in. If you want to invest for profit, you’ve got to find your own opportunities. You can hire a firm to help, or strike out on your own, but there’s never really been a case where, “Hey stranger, give me money and I guarantee you’ll get all of it back, many times over, in return” has turned out to be a legitimate offer. People don’t just share money with strangers. They don’t even share it with friends most of the time.

So here’s your one easy rule:

Be very suspicious of any investment opportunity where you did not initiate contact.

This touches on affinity fraud, too, where someone will use shared membership in a group to build trust in order to sell fraudulent investments. This often happens in churches, where a member of a congregation will present materials relating to an investment that later turns out to be nothing more than a scam.

You can ask other questions, too. Is the person selling this investment licensed to do so? Does the offer make sense vis-à-vis how the world actually functions? Why are you, of all people, being given this opportunity? Are the promises being made just a little too amazing? Is the seller hitting the “I’m just like you” note a little too hard? Is there a shadowy, mysterious “they” that supposedly doesn’t want you to know about the investment? Are they talking about “guaranteed” returns?

All of these questions can help you filter out an investment scam, but if you stop at the point a stranger is making a too-good-to-be-true offer, you can avoid fraud from the outset. It doesn’t apply to every case (because nothing applies to every case), but it’s a pretty good start. If someone is presenting an out-of-the blue investment opportunity, that’s your first red flag.

Things You Didn’t Win: the BMW Lottery

I found this gem in my junk folder the other day. Apparently they’re trying to come up with something other than the usual Microsoft Lottery business, but all this amounts to is a different paint job on an old scam. I guess we’re supposed to think, “Well, that thing about the Microsoft Lottery may have been a scam…but this is totally different! They’re giving me a car, too!”

From: Mr Brian Kelly <info@u.s.a.org>
Subject: BMW LOTTERY DEPARTMENT

BMW LOTTERY DEPARTMENT
5070 WILSHIRE BLVD
LOS ANGELES. CA 90036
UNITED STATES OF AMERICA.
EMAIL: Bell4glenn@usa.com
Help Line:+1-850-396-4184

NOTE: If you received this message in your SPAM/BULK folder, that is because of the restrictions implemented by your Internet Service Provider, we (BMW) urge you to treat it genuinely.

Dear Winner,

This is to inform you that you have been selected for a prize of a brand new 2016/2017 Model BMW X5 SUV and a Check of $3,500,000.00 USD from the international balloting programs held on the 2nd section in the UNITED STATE OF AMERICA.

Description of prize vehicle;
The X5 has enough luxurious space for everybody. Rear Comfort seats with enhanced foam padding offer 3” of forward/backward movement, putting passengers in the perfect position to utilize a DVD drive and two optional 10.2” LCD screens. An optional third row seat offers extended capacity, and includes its own
climate control.

Options: With one of BMW’s largest cargo spaces, you’ll find it hard to run out of anything. The X5’s rear seats split 40/20/40, folding away to convert 35.8 cubic feet of trunk space in to a full 76.7 cubic feet. Details like two cargo rails, four fastening points, a tensioning strap, and a rear cargo net add enough function to store it all.

The optional Wi-Fi Hotspot keeps you connected to everything you love whether you’re on-the-go or far off the beaten path. Included with the Wi-Fi Hotspot, a Wireless Charging Pocket will keep you
fully charged anywhere the road may lead.

The selection process was carried out through random selection in our computerized email selection system (ESS) from a database of over 250,000 email addresses drawn from all the continents of the world which you were selected.

The BMW Lottery is approved by the British Gaming Board and also Licensed by the International Association of Gaming Regulators (IAGR). To begin the processing of your prize you are to contact our fiduciary claims department for more information as regards procedures to the claim of your prize.

Name: Mr.Glenn Bell
Email: Bell4glenn@usa.com

Contact him by providing him with your secret pin code Number
BMW:255125HGDY03/23.

You are also advised to provide him with the under listed information as soon as possible:

1. Name In Full :
2. Residential Address :
3. Nationality :
4. Age :
5. Sex
6. Occupation :
7. Direct Phone :
8. Present Country :
9. Email address :
10. BMW Winning Code:BMWLOTTERY577648/001

Please you are to provide him with the above listed details as soon as possible so he can begin with the processing of your prize winnings.

Congratulations again from all our staff and thank you for being part of our promotional program.

Mrs. Rachael Adams.

THE DIRECTOR PROMOTIONS
BMW LOTTERY DEPARTMENT
UNITED STATES OF AMERICA

Interestingly, the physical address listed is for an actual BMW dealership in Beverly Hills. I wonder how many weird letters they’ve received from people who opted to print out the requested information and mail it, instead of using email as instructed.

I think my favorite detail is the “NOTE” right at the beginning; “If this was in your junk email folder, it’s YOUR fault. Not the fact that this is the very definition of junk.”

As always, there is only one correct response, which is to ignore and delete.

Nothing New Under the Sun: The Walmart Cashback Hoax Lives

There are some hoaxes that just keep. Coming. BACK.

They’re like slasher-movie villains. “Oh, so you strapped him to a small nuclear warhead, which you then detonated inside a warehouse full of knives and lava? Well, here he is again…bigger and stronger than ever! Sequel number six, comin’ atcha!”

The “Bill Gates is giving money away to strangers” hoax recently went full Jason Voorhees, and according to my site traffic another slice of antique Internet alarmist lore has begun to resurface: the idea that Walmart cashiers all over the country are requesting $20 or $40 cash back on card transactions without telling the customer, and pocketing the money.

This so-called “scam warning” dates back to 2004, and made resurgences in 2009 and 2013. A quick online search shows that it’s making the rounds again in 2017. If you think of them as sequels, it makes this year’s version Walmart Cashback Scam Hoax IV: The Final Chapter, I guess.

(Only it’s never really the final chapter, is it? Watch for Walmart Cashback Scam Hoax V: A New Beginning in 2021 or so. By 2030 we’ll be on Bill Gates’ Free Money Vs. Walmart Cashback Hoax. And then a reboot after that…)

Here’s the whole problem with the warning: there is only one person who can request cash back during a transaction at Walmart, and it’s the customer, by pressing the correct button on the card swipe terminal. There is no secret “cash back” button on the register itself.

From Snopes.com:

We investigated a number of different WalMart stores in different areas…[i]n not one single case did we find a store with a checkout system that allowed cashiers to initiate cash back transactions on customers’ cards on their own, without any involvement, knowledge, or approval on the customer’s part. There was simply no way for a cashier working at any of these businesses to surreptitiously place a cash back charge on a customer’s card and furtively pocket the money, all without the customer’s requesting or knowing about it.

So why are so many people convinced they’ve been defrauded by greasy cashiers? Snopes again:

In every case of customers’ complaining about getting cash back from credit/debit card purchases without having requested it that we were able to track down, the cause turned out to be that those customers didn’t pay close enough attention to the prompts on the card processing keypads or simply pressed the wrong keys by mistake.

Nobody likes to admit they made a mistake, do they? “There’s no way I pressed a button I didn’t intend to. I’m perfect. It was that mean ol’ cashier.”

Also, the typical Walmart cashier has more cameras pointed at them than a blackjack table at a casino. It would be an impressive feat of close-up magic indeed to be able to pull off this alleged scheme, even by reaching over and pressing the buttons on the swipe terminal for the customer. And if a cashier was doing that over and over, you can bet somebody would notice.

Furthermore, it fails the most basic test of all: the cashiers actually handed the correct cash back amount to the customer. From Snopes (last one, I promise):

[I]n nearly every one of those cases it was verifiable that the complaining customers had in fact been handed the appropriate amount of cash back by their cashiers (even though they insisted they hadn’t requested it).

Now, I’ll admit I haven’t seen everything this world has to offer, but I have yet to come across a scam where the basic mechanic is, “I’m going to let you keep the money that’s already yours, and then I get nothing.” Most real scams have a profit motive.

Further furthermore, many of the stories claim the customer was using a credit card. They specifically mention it because the overage would “count as a cash advance.” The problem is, as far as I know, you can only request cash back with a debit card during a retail purchase. Whatever those self-proclaimed victims thought was happening, it wasn’t that. Which may explain why this thing has gone (and continues to go) so viral: people see the warning, then something unusual happens during a purchase (an item rang up incorrectly, the cashier didn’t know the PLU for parsnips offhand, their debit card gets denied for insufficient funds) and they try to retro-fit their experience onto the thing they read earlier. “Yeah, that happened to me, too!”

Here’s one more clue that you’re looking at a hoax: the warning is often accompanied by the same image of a receipt from 2013, but it always happened “recently” to “someone I know.” All the receipt proves is that someone selected $40 as their cash back amount when prompted by the card terminal one day four years ago. There is nothing about it that proves a crime was committed.

Here’s the original article, of which I have pasted whole chunks into this article: http://www.snopes.com/fraud/atm/cashback.asp

Avoiding Fraudulent Debt Collectors

Debt collection generally works like this: a creditor who can’t devote the necessary time and resources needed to recover funds from old delinquent loans sells those debts to a collection agency, often for pennies on the dollar, to cut their losses a little. That agency, which now owns the debt, contacts consumers and tries to negotiate at least partial repayment.

Naturally, there are also con artists posing as debt collectors, attempting to obtain money, personal information, or both from victims. There are also collection agencies who stray from established, legal methods in order to collect legitimate debts. Here are six warning signs to watch for.

They’re trying to collect on a debt you don’t owe

Unscrupulous collectors will sometimes contact people with the same name as the actual debtor, or even settle for someone with a similar name. An outright scam artist might simply invent a debt out of thin air, or threaten random people in hopes that someone will pay out of sheer terror. In any case, never agree to pay a debt you don’t owe. Ask for a written validation notice. If they refuse, that’s a sign of trouble. Get as much information as you can about the agency, and report them to the FTC.

Important Note: collection calls for debts you didn’t incur can also be a signal that you have been a victim of identity theft. If you’ve received such a call, it may be time to check your credit report if you have not done so recently, to look for anything that shouldn’t be there.

They’re threatening you with arrest, lawsuits, or violence

For the most part, debt collectors are allowed to inform you that you owe a debt, provide proof that you owe it, state to whom the debt is owed, and present options for payment. They are not allowed to threaten you with arrest or legal action, and they’re especially not allowed to threaten physical harm to you or those around you.

They’re demanding personal information

Even if you actually owe money, there is no reason for them to ask for personal identifying information or account numbers over the phone. It’s one of the core rules of fraud and identity theft prevention: never reveal personal information to a stranger who contacted you out of the blue.

They won’t give you any information

If the caller won’t tell you the name of the agency, to whom the debt is owed, or anything else about whom he or she represents, be very suspicious. A legitimate collector will be transparent about these things, presumably because they want to actually collect on delinquent debts and stay in business, instead of being shut down by the FTC.

They’re calling in the middle of the night

This applies to a lot of other types of calls, but if they’re calling you before 8:00 a.m. or after 9:00 p.m., you have every reason to suspect either a scam or a rogue debt collector. There are rules about when they can contact you by phone. It’s kind of like putting yourself on the Do Not Call registry; if they’re already violating one rule, what else are they up to?

They keep calling after you’ve told them not to

Even if you’ve got a legitimate debt, you can still tell a collector to stop contacting you about it. Usually you will have to provide this request in writing, but once you do, they’re supposed to knock it off. Of course, if they won’t even provide an address to send said request to in the first place, you already know something is fishy.

Resources

Learn more about debt collection scams:

Report a debt collector to the FTC:

File a complaint with the Indiana Attorney General’s Office:

Hard Knocks: Student Loan Relief Scams

Congratulations, it’s time to pay off your student loans!

Most people in the U.S. exit postsecondary education with at least some student loan debt, and sometimes paying those loans off can present problems. While there are well-established paths to reducing the burden of a large student loan balance, there are also plenty of con artists waiting to take your money and make things even more difficult. Here are a few things to watch out for.

Upfront Fees

It is not illegal per se to charge a fee for services, such as consolidating your federal student loans, that you can do on your own for free, in much the same way that it’s not illegal to charge a fee for tax preparation.

However, any upfront fee for help with student loan repayment is a sure sign of a scam. Don’t pay for anything in advance, and even if they’re not charging an upfront fee, look at what they are charging compared to what you’re actually getting in return. Is it worth it? Do your research on every company you’re considering working with.

Debt Elimination

There are not many ways to have your student loan debt erased completely, and if you’re reading this you already don’t qualify for the primary one (death). Also, if you were taken in by a for-profit college that used falsified job placement numbers to lure students, there may be programs that might help. There are a few other options that apply to very specific cases. Other than those, with very few exceptions, once you have student loan debt, it’s yours until you pay it off. Bankruptcy won’t even touch it.

This means anyone advertising student loan elimination or forgiveness is trying to scam you. There is no way to pay a company a fee in exchange for your student loan debt disappearing. All you’ll end up doing is losing money and ruining your credit.

High Pressure Tactics

If you’re being told that an offer is only good for a certain amount of time, or being pressured in any other way by a salesperson, that’s a sign of a scam. There are no limited-time-only offers when it comes to student debt relief. They don’t hold blowout sales on this stuff.

What You Can Do

You can consolidate your federal student loans, adjust your repayment schedule, defer your repayment period and more yourself, for free, through the Federal Student Aid Office of the Department of Education. If you have private student loans, you can contact those lenders for options as well. There is no compelling need to pay anyone to do these things for you, unless you choose to do so and know what you’re getting into before agreeing to anything. Again, do your research.

One of the best resources for detailed information on student loan repayment is the Federal Student Aid Office website (https://studentaid.ed.gov). It also features specific information on avoiding scams (https://studentaid.ed.gov/sa/types/scams).

 

 

Strong Passwords and Where to Store Them

There was a time when you only really saw hackers in movies, and often they were the good guys. Sometimes you’d even get a montage of a hacker typing away while a driving, synth-heavy pop tune played. But today hackers are a major, persistent threat, and your passwords are your first line of defense against intrusions.

Make Your Passwords Complex

The days of using Fox Mulder’s X-Files password “trustno1” for everything are long gone. It’s still one of the most-used passwords, and even a novice hacker would be able to crack it with little trouble (possibly just by guessing it). Other extremely common passwords include “password,” “abc123,” “monkey” and “password1.”

The time has come for your passwords to be long, nonsensical strings of letters (upper and lowercase), digits, and special characters.

How Secure Is My Password? is on online tool you can use to compare different types of passwords (I’d still recommend against entering your actual passwords into the site, just because). Type a password into the box and the site will tell you how long it would take a computer script to hack it. Compare these screenshots from the site for these passwords:

trustno1:

$e4!gQ%pgeuXR3Fc:

Going longer than 16 characters can push that number of years into the octillions, nonillions and decillions, but one trillion years is probably plenty. Keep in mind that the website above is sponsored by Dashlane, a password manager program (I’ll get to those shortly).

Don’t Reuse Passwords

Don’t use the same password for multiple websites or apps. Hackers who gain access to one username and password combination will attempt to use that same combination on other sites, especially financial accounts and sites where additional personal information might be obtained. If your login information for some discussion board you haven’t used for months is compromised, and you’ve used that same username/password combination for all your online banking activities, the hackers probably aren’t as interested in posing as you on the message board as they are in trying your credentials out on a few of the larger bank or credit card websites.

Don’t Let Passwords Get Stale

You also need to change your passwords every so often – twice a year is a good start. Data breaches have happened recently (the Cloudflare bug earlier this year, for example) that exposed millions of users’ information. It’s a good practice to regularly create new passwords for all the sites you use (and even the ones you don’t use as often).

Use a Password Manager

Use long, complicated passwords, use a different one for every site, change them all the time – okay, but how are you supposed to remember them?

A password manager is a program (usually a browser plug-in for desktop and laptop computers, or an app for tablets and phones) that stores your passwords and can automatically fill in your login information on sites. Your passwords are kept safe with up-to-date encryption technology, and you only have to remember a single master password. These programs can also automatically generate strong passwords that will stump a brute-force attack.

There are a lot of different password managers to choose from, and many have both free and paid versions. Lastpass is one of the most popular, and the Premium version is only $12 per year. Dashlane is highly-rated, but at $40 the price is a little steeper. PCMag has two articles that give a nice rundown of the best ones, both free and premium, and their features:

Sick Child Facebook Hoaxes (OR: Don’t Like, Don’t Share, Don’t Type Amen)

You’ve almost definitely seen this if you use Facebook: a picture of a child or baby with some alarming medical condition appears in your newsfeed, along with instructions to type “Amen” in the comments, like and share the picture so Facebook will donate money to the child in the picture, let the child know you think they’re still beautiful, or share the post because “one share = one prayer,” and of course to keep scrolling if your [sic] heartless.

I’m here to tell you: be heartless. These posts are hoaxes. You’re definitely helping someone by liking, commenting and sharing, but it’s not the child in the photo.

First, those pictures are used without permission from the child or their parents. Sometimes the children in the pictures don’t have a medical issue, they’re just random photos somebody found on the Internet. This is pure exploitation.

Furthermore, Facebook does not donate money to individuals for medical treatments based on a photo being liked and shared. They’ve done it zero times in the past, and they’re going to do it zero times in the future, forever.

Here’s what you’re really doing when you comment, like, share or interact with one of these posts: you’re helping somebody who created a Facebook page, hijacked a photo of a child without permission, then created a post designed to generate thousands of likes and comments sell the page to someone else as a ready-made, plug-and-play, already-popular page.

It has to do with how Facebook prioritizes things in a news feed. Things don’t appear in unfiltered, chronological order. Posts which have already generated tons of activity (comments, likes, shares) get an additional boost from the Facebook algorithm. In other words, things that are already popular are boosted so they can become more popular, while things that are not popular get buried.

So a Facebook page (which is different from a personal profile) that generates super-popular posts with tons of interaction (i.e., thousands of people sharing and commenting “Amen”) will get a boost for future posts. It’s called like-farming. At that point, the person or company who created the page and post can sell it to anyone who will pay for it, the buyer changes the name of the page, and then runs whatever scam or ripoff they can come up with.

How should you respond to one of these posts?

First, don’t like, share, or type “amen.” But also don’t comment “this is a hoax,” because the algorithm only counts comments. It doesn’t care about their content. Besides, your comment will only be buried by a thousand “amens” within seconds anyway.

You can report the post or the page to Facebook, but there are so many of these hoaxes that it can be like playing whack-a-mole with a drinking straw (and forty thousand moles).

Definitely let your Facebook friend who shared it know that the post is a hoax and that they’re not helping a child at all. Let them know that the photo was used without permission, and that they’re only helping some con artist exploit children for personal gain.

If you need more evidence to convince your friend, here’s an article by the mother of a child whose photo has been repeatedly hijacked for this exact purpose: Why you SHOULDN’T “type Amen and share” posts of sick children.

What If I Don’t Have Caller ID?

I’m guilty of assuming everyone has caller ID these days. While the feature may be baked right into mobile phones, caller ID service for landline phones is still a feature you usually have to pay extra for. And some people don’t want to.

So how should these holdouts handle telephone scams?

My advice is: get on the list and be quick on the draw. First, add your number to the National Do-Not-Call Registry. Once it takes effect, it will weed out all the legitimate, non-scam phone calls. Anyone who calls with an offer or sales pitch after that is obviously ignoring federal regulations and can be assumed to be attempting to commit fraud. If you’ve answered the phone, hang up as soon as you realize what’s happening.

Second, the vast majority of scammers use automated robocalls, where they ring multiple phones at once and then connect with whomever answers first. That setup takes a moment to function, and causes recognizable audio artifacts. If you’ve answered the phone and don’t get a response within a second or so, you can assume it is a robocall and hang up. If you answer and the first thing you hear is electronic noises (little clicks, bloops, beeps, etc.) or silence, it’s safe to assume you’re dealing with a robocall and hang up.

If you’ve hung up on a legitimate caller, they’ll call back.

Failing the quick-draw hang-up technique, if you find yourself talking to an unexpected caller, the old rules still apply: if they’re trying to make you afraid, it’s probably a scam; if the offer sounds too good to be true, it’s probably a scam; never wire money to a stranger; the IRS doesn’t call to demand payment over the phone; you didn’t win the lottery; your grandchild isn’t in jail or a hospital overseas; your computer doesn’t have a virus; never press “1” for any reason.

You’re under no obligation to be polite to someone who is trying to trick you out of your money over the phone. You’re allowed to just hang up without explanation.

Online Dating Scams Can Be So Much Worse Than You Thought (OR: Incredibly Bad Romance)

The classic Online Dating Scam involves a con artist meeting a victim online, pretending to initiate a long-distance relationship, and then asking the victim to wire money.

It’s a widespread form of fraud, and despite increased awareness, it continues to thrive because we’re all convinced it only happens to other people. We’re too smart, right?

Right. There’s a reason you never hear anybody say, “Yeah, you know, I’m just really naïve and easy to manipulate.” Here’s a little trade secret known to scammers around the world: literally everyone has some area in which he or she is vulnerable. There is no such thing as a 100% scam-proof human.

But there may be an even more compelling reason to avoid the romance scam: the possibility of criminal prosecution. In this case reported by BBC News, a woman was not only tricked into wiring her own money to her online “partner” over the course of several years, but also convinced to move money between different bank accounts on behalf of the con artist, making her an accessory to money laundering.

For which she was prosecuted and convicted.

Yeah, let that one sink in for a second. The irony is, she was probably helping him launder money he was getting from other romance scam victims.

Now, I’m no legal expert, and this case did occur in the U.K., not the U.S. I’m not sure how different the laws are here, but I’m betting that there is a point at which they also no longer care that you were a victim because it should have dawned on you that you were laundering money.

So if you’re out there on the internet looking for companionship, or if you know someone who is, be aware of the risks. When someone you’ve never met is asking you to send money, or to transfer funds between different financial institutions, do not do it. Under any circumstances, okay?

Email Hoax Update: Bill Gates is Still Not Giving Away Free Money in 2017

I recently began tracking stats for this website again after a long stretch of not doing so. I hadn’t really been posting new articles very often, and when the program that I was using to track page views and the number of site visitors stopped functioning for whatever reason, I didn’t bother looking for a replacement.

This year, however, I started posting more regularly, and decided it was time to find a new stats plugin so I could at least see if I was putting out something of value. I got it all set up in early March, and recently I noticed that an article I wrote in 2009 about a certain email hoax was suddenly getting about ten times the usual daily traffic for the entire site. That could only mean one thing: it’s baaaaack.

This email chain letter hoax is a bona fide antique, dating back to at least 1999: forward this email and Bill Gates from Microsoft will give you something like $241 for each person you forward it to. It was supposed to have something to do with AOL and Intel, neither of which are affiliated with Microsoft.

Since this hoax is making the rounds again, I felt it was time to revisit the topic: Bill Gates is not giving away huge amounts of money to random people just for forwarding emails. For one thing, Microsoft doesn’t track every email sent. For another, would you? You do know how people get rich, right? Trade secret: it doesn’t involve giving millions in free money away to random strangers in return for nothing.

(I also wanted to write an update because the old article is simply brimming with corny attempts at humor. Not that I’m suddenly above that sort of thing. I’ve probably actually only gotten worse in eight years.)

Anyway, the full, error-ridden text of this ancient email hoax is here:

THIS TOOK TWO PAGES OF THE TUESDAY USA TODAY – IT IS FOR REAL

Subject: PLEEEEEEASE READ!!!! it was on the news!

To all of my friends, I do not usually forward messages, But this is from my good friend Pearlas Sandborn and she really is an attorney.

If she says that this will work – It will work. After all, What have you got to lose? SORRY EVERYBODY.. JUST HAD TO TAKE THE CHANCE!!! I’m an attorney, And I know the law. This thing is for real. Rest assured AOL and Intel will follow through with their promises for fear of facing a multimillion-dollar class action suit similar to the one filed by PepsiCo against General Electric not too long ago.

Dear Friends; Please do not take this for a junk letter. Bill Gates sharing his fortune. If you ignore this, You will repent later. Microsoft and AOL are now the largest Internet companies and in an effort to make sure that Internet Explorer remains the most widely used program, Microsoft and AOL are running an e-mail beta test.

When you forward this e-mail to friends, Microsoft can and will track it ( If you are a Microsoft Windows user) For a two weeks time period.

For every person that you forward this e-mail to, Microsoft will pay you $245.00 For every person that you sent it to that forwards it on, Microsoft will pay you $243.00 and for every third person that receives it, You will be paid $241.00. Within two weeks, Microsoft will contact you for your address and then send you a check.

 thought this was a scam myself, But two weeks after receiving this e-mail and forwarding it on. Microsoft contacted me for my address and withindays, I receive a check for $24,800.00. You need to respond before the beta testing is over. If anyone can affoard this, Bill gates is the man.

It’s all marketing expense to him. Please forward this to as many people as possible. You are bound to get at least $10,000.00. We’re not going to help them out with their e-mail beta test without getting a little something for our time. My brother’s girlfriend got in on this a few months ago. When i went to visit him for the Baylor/UT game. She showed me her check. It was for the sum of $4,324.44 and was stamped “Paid in full”

Like i said before, I know the law, and this is for real.

Intel and AOL are now discussing a merger which would make them the largest Internet company and in an effort make sure that AOL remains the most widely used program, Intel and AOL are running an e-mail beta test.

When you forward this e-mail to friends, Intel can and will track it (if you are a Microsoft Windows user) for a two week time period.

Yep. It was a hoax in 1999, just like it was a hoax in 2009, and just like it’s still a hoax in 2017 and will be forever. If you get it, don’t believe a word of it. Don’t forward it “just in case” or because “it doesn’t hurt to try.” Delete it, and let whoever forwarded it to you know that it is a hoax.

Don’t let ‘em coax
You with a hoax, blokes
Make one keystroke:
Hit ‘delete,’ folks.

Stay vigilant.