Over 60 Exchange

Never heard of Advance Fee Scheme?

Let me explain what it is. An advance scheme happens when the victim pays money in hope of receiving something of greater value such as a contract, a loan, an investment, or a gift then receives nothing in return. The variety of advance fee schemes is only limited to the imagination of the thief behind the scheme. Some of the services offered are products or services, the offering of lottery winnings, found money, or other "opportunities. They may offer to pay a "finder fee"in advance. The victim is required to sign a contract in which they agree to pay the fee when they are introduced to the financing source. Unfortunately they are denied financing after they have paid the fee. Naturally it will be impossible for the victim to contact the " company" because they use a web of fake address, phone numbers, and email address.

Tips or Avoid the Advanced Fee Schemes:
* If the offer sounds too good to be true, it is. Follow common sense business practice. Legitimate business don't conduct business on a street corner.
* Know who you are dealing with. If you have never heard of this person or business, do some research. Contact the Better Business Bureau, consult your bank, State Attorney's office, FBI, or many of the consumer protection web sites available to you. Get their physical address NOT a post office box. If it is local, go by there. If not contact the city hall of the city in their address to see if they actually have a valid business license.
* Make sure you fully understand ANY business agreement you inter into. If the terms are complex, have your attorney or banker look it over.DO NOT SIGN WHAT YOU DO NOT UNDERSTAND!
* Going back to an address, do not do with a company that only has a post office or mail drop.
* Be very wary of business deals that require you to sign a nondisclosure or noncircumvention agreement that are designed to keep you from independently verifying the bona fides of the people with whom you intend to do business. Thieves often use noncircumvention agreements to threaten their victims with civil suit if they report their loss to law enforcement.

With the economy in the sad shape it is, there are more con artist than ever lurking out there, so be careful about who you are dealing with.

"Surround yourself with the best people you can find, delegate authority, and don't interfere."

Summer is a time hitting the open road, but before you go, here are a few tips keeping the home safe:

* Make sure your home looks occupied. Stop delivery of mail and newspapers. Put a couple lights and a radio on automatic timers. The one room in the home that can be used 24/7 is the bathroom. If you have a bathroom with a window, put a lamp on a timer in that bathroom. Someone who may be watching the house will, no doubt, think you are home.
* Trim shrubs and bushes around the home where a burglar might hide.

* Don't put your address on you bag tags for anyone in the airport check in area to see.
* Get with your neighbors to form a "House Watch" group to watch each other's home this summer.
* Video, or photograph, the contacts of your home then store in a bank safety deposit box or other safe. This will provide your insurance company of documentation in the event of a break in, fire or other disaster.
* If possible, install motion sensitive lights on the outside of your home.
* Contact your local police department, tell them that you will be out of town, many departments have a "Patrol" list.

Next in the Safe Summer series is "Safety Begins When you Pack.

My gosh, the holidays are upon us! I felt compelled to publish a list of safety reminders because, the fact is, the number of reported theft is up nationwide. Please read and share so you, and your family, can have a safe and happy holiday season:

* When possible shop in pairs, it is safer and more fun.
* I know they are pretty, but don't wear expensive looking or expensive
jewelry. No need to advertise yourself.
* Carry a purse with a wide strap that you can wear across your chest.
Not a fashion statement, but hard for a purse snatcher to get.
* Don't put anything of value in the outside pocket of a backpack.
* Only carry the exact amount of money you think you will need and
as few credit cards as possible. Before you start shopping, write
down your credit card information and a contact number, put it in a safe
place in your car. If your card is stolen you can contact the card
company immediately.
* Carry a drop bill fold. Get a cheep bill fold, put a expired card and
a dollar of two, if you are approached, give the bad guy that. Believe
me he/she will not stop to check the expiration date.
* Park as close to the building as possible in a well lite place. You might
start your shopping trip in daylight, but remember it gets dark earlier.
* Be aware of who is around you. When you are returning to your car,
have your keys in hand and look, notice who is around you.
* If you are approached in the parking lot, throw your keys as far as you
can and yell, "FIRE!"
* Always check in your vehicle before you get in.
* If you purchase a gift card, watch the transaction. There were a
number of reported cases where the customer purchased a gift card,
the clerk swapped cards, the customer was given a worthless piece of
plastic while the clerk got to spend whatever the amount of the card was.
* Watch your credit card, likewise there were reported cases of credit
card swaps. If you have a custom card with your favorite NFL team or
grandchild's photo, you don't have to worry, but if you have the basic
card, make sure it is yours before you leave the check out lane. One
method was the clerk wrapped the receipt around the card. Cleaver! .

The bottom line is to be smart, don't make yourself vulnerable or give the bad guy an opportunity to take what is yours.

Happy Holiday Shopping