Friday, December 10, 2010


After weeks of researching this MLM called Ameriplan I have mixed reactions to it. Ameriplan is just like many of the MLMs out there. If you can recruit enough people to be on your team then you can make decent money. Ameriplan also offer's dentist and doctor office discounts as well. When I searched reviews on this opportunity some people have said that the dental and health discounts are out dated on Ameriplan's provider website. According to some people the providers on Ameriplan's website are no longer accepting the discount. According to other people they have had great luck using these discounts provided by Ameriplan. Basically, it all depends on the area you are located in.

As far as Ameriplan's business opportunity there have been mixed reactions as well. Some people say they have not made a dime. Others say that they have made a lot of money. I think if you have the right personality and spend money you can do well. You are not going to succeed if you just spend money on advertising and have no sales personality. Sales is a field that is not for everyone and there are more people that fail then succeed. This is not necessarily Ameriplan's fault.

So all in all I would not call Ameriplan a SCAM. Like I mentioned above if you have the right type of personality and drive you can succeed in this business. This is not a get rich quick scheme and I think some people who have signed up for this think it is. To be successful at this I would say you need to put a lot of time into getting your name out there. I also think there are going to be some advertising costs involved. The big thing is.... more people fail then succeed at this business. I do want to let everyone know that I am NOT an Ameriplan business owner. This is the information I have found from reading reviews and researching their website. I hope this has helped you out in making a decision.

Sunday, December 5, 2010

419 Scammer

A 419 scammer contacted me through my business website. Here is what he had to say....

Name: Jerry Yang


Phone: (not given)

Dear Sir,
This is an official request for representation on behalf of LANKOM
ELECTRONICS CO.,LTD. Our company's principal activity is to sell and
develop electronic components and other peripheral equipment. The
Electronic parts division deals in semiconductors and EMS for personal
computers,and general electronic parts. The Information equipment
division sells personal computers and computer peripheral equipment.
We have most of our debtors who are indebted to us within the range of
$300,000 to $800,000 US. We feel employing the service of a
professional debt collection team that will facilitate quick payment
from our debtors/customers.
We are presently incapacitated due to international legal boundaries
to exert pressure on our delinquent customers and we request for your
services accordingly. We got your contact information from the Online
Directory as a result of our search for a reliable firm or individual
to provide collection services as requested. we are of the opinion
that you are capable and qualified to provide these services as
On behalf of LANKOM ELECTRONICS CO.,LTD, Please accept my sincerest
appreciation in advance for your willingness to render your services
as we look forward to your prompt response to our request.
Yours truly,
Jerry Yang
Regional Sales Manager
(Branch office United Kingdom)

When I did a search on this business it came up in Taiwan. He is stating that he is in the UK. I also googled the business name and Jerry Yang and both came up as 419 scams. He claims his business wants collection activity done on some high ticket accounts. Ya right.

Saturday, December 4, 2010

419 Scam

This is a very short 419 e-mail I received.

Your Mail ID has won £950,000,00 GBP. in our Mercedes Benz Promo.for claim send‏‏‏

hide details 2:53 AM (14 hours ago)


Friday, December 3, 2010

Judgment Recovery

This is not a scam that I am exposing this is just a statement about the Judgment Recovery field. Judgment Recovery can be a very lucrative business. However, you need to be able to put time into this. I have worked with many Judgment Enforcers and most of them are not serious about it. This is why I have been shying away from doing their skip tracing. The way my services worked were on a contingency basis, meaning if they get paid I get paid. My payment relied on them actually doing their work. I have performed services to these people and I never saw a payment. I also was doing work for just starting out Judgment Enforcers and became a counselor to them telling them how to enforce their Judgments. I am not being paid to provide those services. I would provide them the information they needed to enforce their Judgment and then they would never act on it.

Also I would get Judgments that were non enforceable. When someone has no job, no money, no property it is not very likely to be enforceable. You can't squeeze blood out of a rock they say. I got a few Judgments from a Judgment Enforcer who had been in business for a while. One of the debtors had went bankrupt, and the rest had no assets at all. I reported this back to him and he acted like it was my fault. If I don't see any money coming from these debtors then I am not going to keep working on it. As I have stated before I worked on a contingency basis only.

I loved the Judgment Enforcers who would say "Yes I am really excited about your services, I hope we can work together for a long time". I would send out my contract, they would sign it, then I would never hear from them again. I am still waiting to hear back from 3 Judgment Enforcers who couldn't wait to work with me, it has been months now.

So people please, if you want to get into this field, be serious about it. This is not easy work and takes a lot of work and patience. If you are serious about it and want Judgments in your area visit I am not trying to sell you into this website. I just have a business associate I have been working with who runs this site.

Thursday, December 2, 2010


Over the past several weeks I have been watching Dateline on YouTube. I have come across an investigation they did on Quixtar/Amway. This is very interesting how this company screws people out of their money. Its a damn cult! For all of you that don't know what Quixtar/Amway is it is a Multi Level Marketing (MLM) company that you can sell their products and other companies products. You also are encouraged to recruit other people in this business opportunity as well. Then you would make money off of those people. That is where the MLM comes into play. This piece from Dateline NBC explains it all. I encourage you to all watch it.

Thursday, November 25, 2010

Happy Thanksgiving!

Happy Thanksgiving all. Today when I woke up I had 2 419 scam e-mails. Lately I have been getting .txt files in my e-mails which include their whole "pitch".

United Nation Organization
Reports & Publications Department
760 United Nations Plaza,
New York, NY 10017, USA.
RE: DOCKET NO.   OP 292.

Fund Beneficiary,

We wish to inform you that your Contract/Inheritance Fund US$4.6 Million with the Federal Government of Nigeria have been finally approved to be paid to you via ATM Visa Debit Card which you will use to withdraw your US$4.6 Million from any ATM machine.

F.B.I have assigned only the Spring Bank Nigeria Plc, to issue an international ATM Visa Debit Card and Pin# which you will use to withdraw your US$4.6 Million from any ATM machine in any part of the world but the amount you can withdraw per day is US$20,000.00. You are advice immediately to contact the new ATM Manager of Spring Bank Nigeria Plc, Mr Adeyemi Banjo, via his Telephone Number +234 8030762718 and  email address:( ) and send him your information such as;

1) Your Full Name.

2) Your Contact Address.

3) Your Home Phone, Work and Mobile Phone Number.

For more directives.
Lastly you are warned to disregard other contact or any communication you have with other offices. Government of Nigeria has reported to be sorry for the plight you have gone through in the past.

You can Contact F.B.I if you did not receive your ATM Visa Debit Card after 96hours you contacted Mr. Adeyemi Banjo.

Thanks for adhering to this instructions.

Yours Sincerely,

Mr Kiyotaka  Akasaka,

Public Information Officer.

And the second one.......

From: Hnery Duru
Remittance Unit
Bank PHB {PlatinumHabib Bank Plc}
Tele/Fax: + 23417933729
Telephone: +2348071986881

Attn: Beneficiary,
This is to officially informed you that two people you send to our Bank {Bank PHB} to stand on your behalf in receiving your approved inheritance/contract fund has arrived successfully but we want to be sure if they where really sent by you that is why we contacted you first as you know that an instruction has been given by the Debt Reconciliation Committee/CBN that all fund owed to our various beneficiaries must be paid before the President reads the budget for the year 2011.

Below here are the account details they submitted to us to transfer your total sum USD$10.5 Million with the accrued interest, also we were informed that this account was given to them by you so we want you to contact us immediately with the confirmation of this subject to enable us commence with your transfer.
ACCOUNT #3292957895
ROUTING # 121042882.

Please confirm to us if this information is okay and was sent by you as to enable us commence on the transfer immediately since the approval payment instruction has been given by Presidency, also we need your urgent response as to enable us meet up with the mandate given to us by the Presidency. we also need your full details in order to backup your transfer payment in the following order.


Yours in service,

Henry Duru
Director, Remittance Unit
Bank PHB {PlatinumHabib Bank Plc}

Friday, November 19, 2010

419 Scammer

So I got a .txt attachment today from a "Mr. James Garner" here it is:


I am James Garner, a computer scientist with HSBC Bank Dubai-United Arab Emirate. I am 26 years old, just started working in the Swift Transmission and remittance room of HSBC Bank Dubai-United Arab Emirate. I came across a payment file valued at US$26.8million dollars which was marked X and the transfer released disk painted RED, I took time to study it and found out that the fund was an accrued dividend from a back-log of an Excess Maximum Return Capital Profit (EMRCP) of an average of 1.2% on each private investment and corporate portfolio under our administration and control and all fees and certificates has been cleared, but the fund has not been released and cannot be released for some obvious technical reasons.

However, I do not intend to work here all the days of my life, I can release this fund to you if you can give me 40% of the total sum of US26.8million dollars and guarantee me of my security and how I can come over to your country from this Dubai-United Arab Emirate ,if I do release the fund to your bank account successfully. So I must make sure that you guarantee my security and ensure that my future is secured with you before I can proceed with the transfer of the fund to your bank account accordingly because I will resign my position from the bank as soon as I completed the fund transfer to your bank account successfully as I do not want to work in the bank all my life but to establish my own business empire outside UAE.

The only thing I will need to release this fund is a special SWIFT TRANSMISSION HARD DISK we call it (120 GIG), which I will need to buy two of it, recopy your information, destroy the previous one, and punch the computer to make the fund reflect in your bank account within 24 banking hours.

Upon confirmation of the fund transfer in your bank account through the SWIFT TRANSMISSION HARD DISK, I will clean up the tracer and destroy your file, after which I will travel out from United Arab Emirate to meet with you in your country. If you are interested, do get in touch with me immediately and you should send me your convenient telephone number for easy communications and also reconfirm your information as required below, so that we can proceed with the deal immediately without delay.

(1) Your Full Name.
(2) Phone, Fax and Mobile #.
(3) Company's name, position and address.
(4) A copy of your passport or driver's license

I await your urgent reply to

Mr. James Garner   
Computer Scientist
HSBC Bank Dubai-United Arab Emirate

Here we go again.....

Thursday, November 18, 2010

Temp Agencies

Now I know that Temp Agencies have worked out for some people. However, I have not found any that have worked out for me nor other people I know. It is one thing to want someone to come down to your office and fill out an application and interview with your agency. The other day I was on Craigslist and sent an e-mail about a job. I did not send my resume or anything because the job was very vague and left no company. I got an e-mail from someone asking me to meet them at a public place and bring 2 forms of ID. Nothing about a resume though or a company name for that matter. The person didn't even give me their name but they did give a number (which I will not post). This was a gmail e-mail address as well so it could be anyone. All I have to say is that if you are in fact a legit agency then make sure you let them know of your company name, website, and please use a company e-mail address. Oh and one more thing a NAME!

Yet ANOTHER 419 scammer

So..... I just received an e-mail from a person by the name is Henry Duru. The e-mail title said VERY URGENT. It included an .html file on it so I decided to open it. This is what I found in the file....

From: Henry Duru Remittance Unit Bank PHB {PlatinumHabib Bank Plc} Tele/Fax: + 23417933729 Telephone: +2348071986881 E-mail: Attn: Beneficiary, This is to officially informed you that two people you send to our Bank {Bank PHB} to stand on your behalf in receiving your approved inheritance/contract fund has arrived successfully but we want to be sure if they where really sent by you that is why we contacted you first as you know that an instruction has been given by the Debt Reconciliation Committee/CBN that all fund owed to our various beneficiaries must be paid before the President reads the budget for the year 2011. Below here are the account details they submitted to us to transfer your total sum USD10.5 Million with the accrued interest, also we were informed that this account was given to them by you so we want you to contact us immediately with the confirmation of this subject to enable us commence with your transfer. BANK NAME: WELLS FARGO BANK. ADDRESS: 1063 11TH ST REEDLEY CA 93654 ACCOUNT #7652957895 ROUTING # 871042882. BENEFICIARY NAME: JAMES WILSON. Please confirm to us if this information is okay and was sent by you as to enable us commence on the transfer immediately since the approval payment instruction has been given by Presidency, also we need your urgent response as to enable us meet up with the mandate given to us by the Presidency. we also need your full details in order to backup your transfer payment in the following order. FULL NAME ADDRESS: ZIP CODE COUNTRY: AGE/SEX: OCCUPATION: A VALID IDENTITY CARD: Yours in service, Henry Duru Director, Remittance Unit Bank PHB {PlatinumHabib Bank Plc}

I searched google with this number  +2348071986881 and sure enough it came up as a 419 scam.

Saturday, November 6, 2010

Magnetic Money Miracle

I am not a legal expert. However, it seems that the Magnetic Money Miracle opportunity on the internet is a Ponzi scheme. It entails investing several hundred to several thousand dollars. You then send out postcards trying to recruit others for this opportunity. They then send you their investment to sign up. A Ponzi scheme is defined as a company that pays their investors by their own or someone elses investment not on the company profit. Now if I am correct this program Magnetic Money Miracle is not actually making a profit. Now you may be able to do well with this opportunity but is it worth your freedom? You would also need a lot of upfront money as well. If anyone disagrees with me then please let me know. Tell me how this isn't a Ponzi scheme or even cash gifting? The only thing I am seeing that is different between this and cash gifting is that investors can send you a cashiers check. Also when I saw their ad in the home business magazine the number they told you to call this time didn't even mention the Magnetic Money Miracle. So that's a bit sketchy as well.

Craigslist job postings

I really wish that employers will post their company name instead of just asking applicants to send their resume over. Myself as well as many others have a problem sending their resumes which have personal information on it to someone that doesn't even disclose their company name. These employers may not in fact be trying to scam you but it certainly looks like it when they do not want to give a name. The ones that are 99% scams are the ones that only list the state. Unless it is a type of job that requires you to travel throughout the whole state they just want information from you. I have also gotten some real shady phone calls when I have sent my resume to a company advertising on craigslist. I suggest to you job seekers out there that you do not use any type of personal information on your resume such as address, social security number, and any other information that could have your identity stolen. Only give that information if you are invited in for an interview or to fill out a formal application. Craigslist isn't the safest place and anyone can post a job for free usually (depending on the city). I am more open to send a resume to a company that is confidential on an actual job board that requires the employers to pay (,, etc). Employers are able to access your information that you provided on the website profile anyways. You can set the privacy settings to be more restrictive towards this if you would like but, the more open you have your profile the more chance you will have of getting contacted by an employer. Still though, do not give out any private information unless filling out an application for the company. I cannot stress enough to leave private information out of your resume. If they ask you to send the names and numbers for references make sure you know for sure that this is a legit company. The last thing you want to do is give that information out and have those peoples numbers sold to other companies for sales, scams, etc. Craigslist does have some legit companies posting jobs on since it is free, with that their are not so good places posting. I have seen jobs on craigslist that don't pay, not very nice people to work for, and illegal activity. Always use common sense and be careful.

Friday, November 5, 2010

Ugh... Another 419 Scam!

So I was waiting for this scammer to respond to me but he never did. I received this e-mail from a person by the name of "Tony White" on 11/2/10.

Dear Value Customer,

I am Tony White from Western Union, On behalf of the International
Monetary Fund/United Nation/ ECOWAS , I once again try to notify you as my
earlier letter was returned undelivered. I hereby attempt to reach you
again by this same email address on the Beneficiary.if you get this one,We
are writing to inform you that we have been given the mandate to transfer
your full compensation payment of $800,000.00USD via Western Union by the

We have decided to email you the MTCN and sender name, so you can pick up
this $5000.00USD to enable us send another $5000.00USD by tomorrow as you
know we will be sending you only $5000.00USD per day. Please pick up this
information and run to any Western Union in your country and your full
name is the receivers name and don't forget that you have to pick up this
money after receiving our mail, if you don't pick up the money on time,
then the management will put the money on hold.

Note that its for your own security reason, that is why we didn't include
your name in our mail. So don't delay in pinking up the money, because if
you do the management will put hold on the money.Here is the western union
information to pick up the $5000.00.USD

Sender's First name------- Joerg
Sender's Last name----- Schellhorn
MTCN;= 1229325939
Amount;= 5,000, USD
Test Question;= To Who?
Test Answer;= To Friend

For verification Kindly check the availability of your via our web site

If you are having any problem in picking up the money, simply note that
its because you didn't pick it on time, that is why you are having
problem. If you wish to know more details or if you are having problem in
picking up the money kindly contact us.

Phone: +234-706-110-3756

Western Union Team

Tuesday, November 2, 2010

Americans with Disabilities Act

What the hell does the ADA mean? NOTHING! Employers are suppose to abide by the ADA but they don't. I have actually had an employer ask me on a phone discussion if I had any disabilities whatsoever, totally illegal! No one seems to care about that at all. I think I mentioned before that an employer asked me what medications I was taking. Enough is enough! This is a pathetic world we live in where people are discriminated against. If anyone needs me to go confront a company that they have worked for please let me know. I will be happy to go after them. Employers watch your back if you are violating laws. I will take whatever actions necessary to make sure you are shut down!

Wednesday, October 20, 2010

Cash Gifting

Well hello everyone! It has been a while since I wrote anything. I have been very busy lately with work and stuff. I wanted to talk about a program that you may see all over the net called "Cash Gifting". Basically it involves people sending "gifts" of cash in the mail to someone hoping to get other gifts in return. I have heard mixed things about these programs. Some people say that it is a total scam, others will say that its not a scam but you need to invest thousands. Either way I am not willing to take that risk. I also have noticed that with some of these cash gifting companies they are affiliated with companies that are overseas..... that's interesting. Maybe they have bank accounts in different countries to protect them from getting seized by the FBI? With these types of programs you may ask "Is this legal"? Well the whole "gifting" definition from the IRS makes this money non taxable. However, that does not mean just because the money isn't taxable doesn't mean its legal either. This to me sounds like a "Ponzi" scheme. A Ponzi scheme definition from Wikipedia is "A fraudulent investment operation that pays returns to separate investors from their own money or money paid by subsequent investors, rather than from any actual profit earned. The Ponzi scheme usually entices new investors by offering returns other investments cannot guarantee, in the form of short-term returns that are either abnormally high or unusually consistent. The perpetuation of the returns that a Ponzi scheme advertises and pays requires an ever-increasing flow of money from investors to keep the scheme going". Now when you look at that definition it sounds just like this "Cash Gifting". Also sounds like some of these Multi Level Marketing programs. There are so many of these illegal tactics going on so they can't all be regulated by the authorities. Now if a person makes as much money as Bernard Madoff made then they will get caught. However, look at how long it took for Bernie to be caught. Just need to always remember "If it sounds too good to be true, it probably is". That is always the truth in my book. 

Monday, September 27, 2010

Sales Jobs

I am sure all of you have seen job postings for selling vacuums and knives. These places seem to hire all the time. I see job postings on craigslist every week for these positions. They use to be only on Monday and Tuesday but lately I have been seeing them all week. The way these companies work is on a commission basis, which is fine if that is what you are into. The problem is is that there have been reports that these companies don't pay what they say they will. One company called Kirby claims to offer a base pay which is only if you make the number appointments. I am told that they will not give you the number of appointments on purpose so you won't make the base pay. I know people who have worked there in the past that have never gotten the amount of appointments. I want to show you a link of a manager of a Kirby branch has said on rip off report. He completely lost his credibility and consumers have made it very clear.

Dave Howard the manager of this place is claiming that the guy who wrote this report is a registered sex offender. Even if they were a sex offender that is something you do not go into, that is slander. I hope that this applicant filed a lawsuit against him. I would encourage him to if he didn't yet.

Of all the people I know who have worked for Kirby only one has made some serious money. He was a very good sales person but he complained about having to put so many miles on his car. So if you are a very good sales person you can make it but it is very rare. This person even told me that hardly anyone makes it. Even he didn't make the base pay with appointments. I will say that Kirby Vacuums are a very good product. Just their marketing tactics suck.

Now Vector Marketing is another company I wanted to talk about. Just like Kirby they have a great product which is Cutco Knives. There marketing techniques are shit though. The way they do it is they have representatives go out and sell their knives to people who they know. Then they get referrals from those people and so on to set up appointments to sell the knives to. They say that it is $16.50 or some other price per appointment. They say that it is hourly because each appointment is suppose to only take an hour. This pay only applies if you do not make a sale. If you make a sale there is no base pay its just commission. It could be good if you make a lot of sales. With Cutco you need to purchase their knife set which is around $300. They say you can get the money back if you return it after you leave but I am not sure of that. There are a lot of people who work for them that will defend the company. Which is probably management. However I have gotten some real nasty emails from these employers calling me a "fucking idiot", very unprofessional. It is just amazing at how these companies are. They hire these employees who are suppose to make the company look good and they use those kinds of statements.

Saturday, September 25, 2010

Are employers really going too far?

This isn't really a scam entry, more of a civil topic. Are employers going to far with the questions they ask? I think some of them are and should be reported and fined by the labor board. Let me use a couple of examples. I know that when you see these blog entries you probably are noticing I have been through the job searching game for a while. Indeed I have. I have also had several jobs that have only lasted a few days due to me not putting up with their shit. The way I look at it is, you only live once therefore don't deal with peoples ignorance even if they are your boss. Ok, now back to the examples.... Back several years ago when I was in college I was thinking about taking a semester off to work full time. There was a company close to where I was attending school. I had done business with them before purchasing their items online. I was offered a job with them before but decided not to take it because they didn't offer health insurance. Which is something that I really needed due to health problems I have. If I took a job there I was going to get kicked off my parents plan and was going to end up paying more in my medical bills then making. I denied the job and the guy told me that they were hoping to get health insurance within the next several months. Six or so months go by and I saw that they were hiring so I decided to apply again, thinking they would have health insurance by now. They selected another candidate for this particular position but a new position became open about a month later. They called me up to offer it to me and I asked if they had health insurance yet and the guy said no. I told him I needed prescription drug coverage and that was when he said to me "well we do a background check so I need to know what medications you are on". I couldn't believe what I was hearing, he just asked me a very personal question that he had no right asking. I told him that it has nothing to do with my working abilities and he said "just name them". At that point I just said I am not interested. Another occasion was when an employer called me up after I sent him a resume and he said that he needed to ask me a few questions and of course I said ok. His questions were "do you have any disabilities whatsoever? Do you belong to an organization such as the chamber of commerce or the BBB?" Now I am not sure where this guy was trying to get at but asking me if I have any disabilities whatsoever is a clear violation. When he asked me about my work history I said I worked for my dad's company for years and when he asked what the line of work was in I said he's basically a disability advocate. Well his tone then really changed and told me he would call me back for an interview. Funniest thing is, he did! I just didn't answer the phone, fucking dickhead.

I have no idea why employers are asking these personal questions. It seems like they never get in trouble for it either. There companies may not be a scam, I know for a fact that one of them isn't. They sell good products and they seem to know how to run a shop. I am just not going to put up with a company that asks me those personal questions.

Friday, September 24, 2010

Jobs that don't pay their employee's

I have experienced a few places that have you work and then if it doesn't work out they don't pay you anything. One particular place I have heard the same thing about another employee who use to work there. When they got rid of him because he wouldn't break the law (this was a collection agency that has been sued multiple times) they never gave him his last check. He had to force them to give it to him by reporting them to the labor board. Problem is, there is not a lot of evidence you can give them. I was still in training when I decided to leave so I didn't have a punch in code or anything. I decided to leave because of what I was hearing these collectors saying over the phone. I had worked in debt collection for a while and I am well aware of the Fair Debt Collection Practices Act (FDCPA). This trainer was telling us how we can get around the law, even though the stuff he told us was complete bullshit. I have had to come down hard on a couple of places to get them to pay me. One place I believe was going to try and get out of paying me. They had me give my 2 forms of ID to copy but for some reason didn't have me fill out a tax form. The worked sucked cause it was telemarketing and they told me the job was something else then it really was. When I decided to leave that place I faxed them a filled out tax form and then I received a check. I believe the only reason why I received a check is because they knew I wasn't going to back down. I should have known these places were sketchy cause I found them on craigslist. If you worked at a place for even a few hours if they told you there was an hourly rate they are responsible for paying you. If they do not pay you make sure you document that and when you worked there (date, time). Take that information and bring it to the labor board. If you didn't punch in or anything it will be a bit more difficult to prove BUT you can do it. If there are enough complaints against this company they can be shut down.

Wednesday, September 22, 2010

Example of a 419 scam

Hello everyone,
I had said I was going to give you an example of a 419 scam that I received in an e-mail. This scammer decided to use a company e-mail address that does not seem to be valid however the .com site it is on was some biological research company out of Equador. They also had another reply to email address which was out of yahoo in China. This scammers e-mail address is I did a search on part of the e-mail he had sent me and it was posted all over the net as a scam and they had been using different e-mail addresses. Now this scammer claimed to have an e-mail address from this site in Equador was because it had the same initials as this bank he claimed to be a part of in China. This person obviously assumed that I wasn't too intelligent and that I was not going to check out the .com e-mail they had sent. This scammer obviously hacked into this company's server in Equador and sent the initial e-mail from there. When I received a reply from this scammer since he sent it from his China e-mail address it was a China ip address.  Anyways, here is the copy from this conversation:

Dear Sir/Madam,

I am Phillip Essex, Principal Assurance manager for the China Trust Commercial Bank in China. I have an obscured business suggestion for you. I here-by seeking your service in helping me recieve a large amount of money and in giving a clear research and feasibility studies on areas I could invest on. you will be a partner, if your recommendation is accepted.

The funds will be available as well for you to claim directly by travelling down to sign some papers.

I await your response.

Phillip Essex
Kindly Simply Reply.

My response was..........

Hello Phil,
I received your e-mail about your business opportunity and am very interested in joining you. I have sold some stock recently so I have come up with a very large amount of money which I would like to invest in this venture with you. Please send me more information on this opportunity and we will take it from there.

George Wammer

A couple days later "Phil" sent me this

Dear ,

I am getting in touch with you regarding some funds of a client with an investment placed under our banks management 7 years ago.

I would respectfully request that you keep the contents of this mail confidential and respect the integrity of the information you come by as a result of this mail. I contact you independently and no one is informed of this communication.

In 2003, the subject matter; first name (BERNARD, last name MADOFF) came to our bank to engage in a business discussions with our private banking division. He informed us that he had a financial portfolio of 15.1 million United States dollars, which he wished to have us invest on his behalf.

Based on my advice, we spun the money around various opportunities and made attractive margins for our first months of operation, the accrued profit and interest stood at this point at over 20 million United States Dollars. In mid 2005, he instructed that the principal sum (15.1M) be liquidated because he needed to make an urgent investment requiring cash payments in Hong Kong. We got in touch with a specialist bank in Hong Kong the Dah Sing Bank (DSB) who agreed to receive this money for a fee and make cash available to (Mr. MADOFF). However Dah Sing Bank got in touch with us last year that this money has not been claimed. On further enquiries we found out that (Mr. MADOFF) was involved in a huge ponzi scam that rocked the United States, which caused him his career and is now in jail. It is for this reason I write you.

What I propose is that since I have exclusive access to this file, you will be made the beneficiary of these funds, I can make the funds available as well for you to claim directly by travelling down to sign some papers, then you can move the money to an offshore account. For all your troubles I propose that we split the money 60% for me and 40% for you. In the banking circle this happens every time.

Nobody is getting hurt; this is a lifetime opportunity for us. I hold the key to these funds, and as a Banker in China, I see so much cash and funds being re-assigned daily. I would want us to keep communication for now strictly by email.

Please, again, note I am a family man; I have a wife and children. I send you this mail not without a measure of fear as to the consequences, but I know within me that nothing ventured is nothing gained and that success and riches never come easy or on a platter of gold. This is the one truth I have learned from my private banking clients. Do not betray my confidence. If we can be of one accord, we should act swiftly on this. Please pardon my writing mistakes.

I await your response.

Phillip Essex

So I guess good ol Bernie Madoff has some money available for me huh?

UPDATE 11/2/10: I sent "Phillip Essex" a new email yesterday just to see where he/she is at. This is the email I sent.

Mr Essex,
My name is George Wammer I am a very wealthy ambassador for the USA. I would like to invest a total of 22.5 Million USD to your company. Please reply soon as my time is valuable and I would like to make money soon.

George Wammer

After sending this e-mail I learned that my friend "Phillip" no longer has this e-mail....

Delivery to the following recipient failed permanently:

Technical details of permanent failure:
Google tried to deliver your message, but it was rejected by the recipient domain. We recommend contacting the other email provider for further information about the cause of this error. The error that the other server returned was: 554 554 delivery error: dd This user doesn't have a account ( [-5] - (state 18).

Sunday, September 19, 2010

Multi Level Marketing practices

Multi Level Marketing also known as MLM is a trap a lot of people call into when looking for work from home. They hear about only needing to pay a membership fee which is maybe $30-$50 a month so its not that bad. The owners of the company are trying to lure you in by telling you that you can make up to $5,000 dollars a week and its very easy to do. A lot of them will even tell you that there is no selling involved. Now it is the law that these companies put on their website that you are not gaurenteed to make money (in fine print of course). A lot of MLM companies have gotten sued over false claims that they have made so now they need to put a disclaimer somewhere on the website. The problem is with that is it is in fine print usually someone else on the page where there are some people who just did not see it. Usually though in the fine print the company will say something like, 80% of the Independent Business Owners (IBO's)  signed up with the company will not make anything or up to $20.00 in their first year. Now I am not quoting that it was just a guess from sites I have seen. It is somewhere around those numbers though. Now there are those MLM IBO's that do well and make a decent amount of cash. The problem is that is probably 1 in 1000 people (I may be low balling it) that have signed up with the company. Also these are the ones that are making a lot of their money from selling books, cd's, conferences, etc. A lot of the time the people who do these conferences and sell these items are the ones that are upper management with the company. It is an extremely rare thing to be successful at this and there have been a lot of people who have lost a lot of money not just with the monthly fee but with the items that these "Successful" people sell. They have been accused on news programs such as Dateline NBC about how they make most of their money by selling these success kits to IBO's that have just signed up. This company of course denied it but we know that its a lie. Now let me explain a little bit how MLM works. There is a company with products/services that they are offering. They ask people to sign up for a business opportunity selling these products/services. Then they also mention if you can sign people up to work for their company you will get money off of their transactions as well. Then the people they will sign up you will get a percentage of their sales as well. So its just a giant pyramid scheme. Of course the more people you sign up the more money you will make. In fact that is where a large amount of the money you can earn will come from, making money off of other people's sales. Of course you can make some money selling these products/services but if you want to see the real money you need to sign people up. This is a lot harder then it looks because most people out there know not to sign up for any "Pyramid Scheme". If you look hard enough you may be able to find someone interested but its just not worth it with the little pay off you will get. As I have stated before there is only a very small chance you will make it in this type of business. What it really comes down to is are you good at scamming people as well? That's what you need to do in order to be successful in this field. You will also lose a lot of friends so you must be prepared to handle that. Most people couldn't bring themselves to scam others. Now I know that I may get criticized for this post because some people claim to have made a lot of money and the company they are with is not a scam. You know you may be selling a good product or service, but when you are making claims that people will make all this money and then putting a disclaimer in fine print and hidden pretty well you ARE scamming other people!

Saturday, September 18, 2010

419 Scams

There are so many scams out there. Even if you think you can out smart scammers, someone will come around and get you. Hell, even 419 scams have gotten more sophisticated. A 419 scam is a code for Nigerian scams. These scams are known as Advanced Fee deals. 419 is an Article of the Nigerian criminal code, which is "obtaining property by false pretences; cheating". The scammers will send out an e-mail promising the potential victims a lard amount of money if they wire a less amount to them. The reason they give for asking for upfront cost usually has to do with a fee to release the money. They say the fee will go to a Lawyer, Doctor, Banker, etc. It all depends on what their story is. An example of a 419 scam would be an e-mail from someone overseas offering you a large amount of money that is locked away. The scammers will want you to feel bad for them. They will usually say they are very ill and don't have much time left. They are poor and don't have the few hundred or thousand to pay the fee's to get the money. If you help them to release their funds they will send you a large amount of it as a thank you. The scammers send out all different kinds of other e-mails asking for money. I will post an actual 419 scam e-mail very shortly. If someone emails you asking for any upfront money to receive more money is probably a scam. These scammers have gotten much smarter over the years. They now use addresses in different countries other then Nigeria. Since most people know that if someone has an address in Nigeria it is probably a scam. That's why scammers are using other countries. The scammers also will pretend to be a very genuine Male/Female who wants a romantic relationship. They do this to get you to trust them. They also will send am e-mail from a legit company website. When the scammers do this they will have a different "Reply To" e-mail address. There are so many other tactics these scammers use. They are coming out with different ways hourly, so it is impossible to know all of them. The best saying I go by is "If it seems to good to be true, it probably is".

My first post

I have decided to do a dedicated blog about various scamming methods that are out there and include examples I have come across. I get email's everyday that involve some kind of "get rich quick" scheme or 419 scams. I will write in detail what these type of scams are in a later post. I am dedicating my time and effort into stopping these con artists with no money involved whatsoever. Since there is no money involved it is 100% legal to investigate these scammers. I will do whatever it takes to stop them including notifying law enforcement, the media, etc. I am hoping to develop a very large audience with this blog. My goal is to educate people about how good a lot of these "high end" scammers are. I have heard more stories from people who have been scammed and they thought it would never happen to them. I have almost been scammed before as well. I thank you for taking the time to read my blog and I will be posting various articles in the future.