ATMs are under siege more than ever from skimming. Skimming, where ATM thieves steal your PIN and account number using remote devices, is increasing dramatically. Often done by sophisticated crime rings from the Eastern bloc countries, ATM skimming is becoming a high-tech art that's hard to detect.
That's bad news for consumers. Experts say that losses from skimming are approaching $1 billion. Nearly one in five fraud victims reported having their credit card PIN or debit card ATM PIN information stolen in 2009, according to Javelin Strategy & Research. And Robert Vamosi, an analyst handling risk, fraud and security at Javelin, sees ATM skimming continuing to rise this year and next.
"Consumers aren't aware of ATM tampering," he says. "ATMs have 40 years of trust."
Skimming isn't new. It's been around for at least 10 years. What has changed is that the "technology of the bad guy is getting better and better every year," says Robert Siciliano, a security expert based in Boston. "It's up to consumers to watch their own backs."
Typically, ATM thieves use two devices to capture your PIN and card data. One device sits near where you swipe your card and reads the magnetic stripe on your card with your account number. Even more confusing, the device mimics the card slot. "The technology has evolved to a point where the molded plastic fits like it belongs there," says Siciliano. Devices are even readily available over the Internet for as little as $300.
A camera, hidden from view, captures the PIN. "You can get the data in real time," says Siciliano. "You can be in your car with a laptop remotely accessing the device."
Thieves then burn the data onto a blank card to access your money.
U.S. Secret Service spokesman Max Milien wants consumers to be warned. "The public is notified after an event," he says. And don't take bank security for granted. Fraud can occur at any bank in any part of the country. Thieves are even sending out false text alerts to get consumer data.
Banks, they say, are slow to adopt anti-skimming measures. When Javelin surveyed 25 banks, four stood out, though, for their anti-theft measures. They are Bank of America, Chase, Citibank and Wells Fargo.
Experts add that debit card users are most at risk. Typically, consumers must report fraudulent charges within two days, limiting your liability to $50. If you report ATM skimming fraud within 60 days, you're liable for the first $500 of any transaction. Siciliano adds that thieves carefully orchestrate ATM withdrawals, maxing out cash withdrawals one day and waiting until after midnight for the next stash, which quickly adds up.
Here are four tips to help you protect your account.
1. Cover your password with your hand
Hidden cameras are disguised so they can pick up your password. By protecting it, ATM thieves can't access your account.
2. Use familiar ATMs and limit your visits
ATMs in dimly lighted spots or used late at night could be more susceptible to fraud, while ATMs under video surveillance can be safer. Stay away from ATMs at retail stores or restaurants, adds Siciliano. Recently, skimming devices were found on ATMs in a popular grocery store in central Florida. Airports, convenience stores or kiosks are equally vulnerable to ATM thieves. Still, even highly trafficked ATMs outside a bank branch have been targeted by thieves.
Also, try to limit your visits to the ATM. "With frequency, there's risk," says Siciliano.
3. Check bank balances frequently
Given the two-day window for reporting fraud, it pays to check your account frequently. If you don't report fraud within 60 days, you have unlimited liability. "Sign up for alerts and notice unusual withdrawals," says Vamosi.
With credit cards there are more protections in place, and you can dispute charges."You have at least a billing cycle," says Siciliano.
4. Observe the ATM
Vamosi cautions consumers to look at an ATM to make sure a card slot is "legitimate and not tacked on." Look for things that strike you, he says. "Some people have felt that when they inserted their card, something went awry," he says. In that case, try another ATM.
When protecting your account against ATM thieves, "it's all about awareness, paying attention and understanding risks," says Sicilano. "There are 400,000 ATMs and every one of them is susceptible to fraud. The speed and convenience of technology has replaced the security of technology."
thank article from Yahoo news,Bankrate,Inc.
http://kreathapat.blogspot.com
วันจันทร์
"How You Can Get Paid Very Well To Shop And Eat-Out As A Highly-Demanded Mystery Shopper!"
Click Here!
From: Jennifer Williams
Monday, 7:24 a.m.
Dear Friend,
Would you like to earn money by shopping at retail stores, eating at restaurants and evaluating your experience through online questionnaires? Would you like to enjoy the perks of free meals, free products and free services?
Mystery shopping is truly an awesome way to earn a paycheck and I always find my friends and family asking me how I do it. So I have decided to create this web site to teach people how to become professional mystery shoppers. In this web site I will show you how to implement the SAME strategies that I'm personally using to earn a paycheck by shopping and evaluating businesses in my area.
If you would like to learn how to become a professional mystery shopper you should let me show you how. It does not matter if you are male or female, 18 to 81. I will show you step by step how to to earn a paycheck by shopping and evaluating businesses in your area.
You are probably asking yourself Why would a company pay me to shop?
Companies want to know if policies are being followed, if customers are being satisfied, and that their business is running just like it should.
So they hire "Mystery Shoppers" to come in and act as if they're normal customers to see that everything is going as it should.
Your job as a "Mystery Shopper" would be to provide businesses with an impartial, honest and anonymous evaluation of all they have to offer. If a business needs to be sure that their average customer is being well treated, then YOU play that very roll. You take on whatever roll that is needed, so, not only will you be tasting, sampling and testing what these businesses have to offer, but you'll also provide them with valuable data.
The answers to the below questions are VALUABLE to companies and they are willing to pay very well for the answers to them.
• How well were you treated?
• Was your overall experience positive or negative?
• Were the employees friendly and courteous?
• Did you encounter any problems?
As a Mystery Shopper, there's only one way to get the answers and that is by Mystery Shopping!
But Can You Really Make Good Money As A Mystery Shopper?
For example read this NY Times Article about a New York Woman that makes $7000.00 per month by mystery shopping! I want to be perfectly honest, I can not guarantee that you will make $7000.00 per month it all depends on you. I can guarantee that if you like to shop and would like to get paid for it, then mystery shopping is the perfect job for you.
As a Mystery Shopper
• You can work full or part-time.
• You determine the hours and days you want to work.
• You can pick and choose only the "jobs" you want to take!
• Flexible schedule and hours.
• You can bring your spouse or your kids on assignments with you.
Imagine a lazy afternoon "working". You start out shopping at Bloomingdale's, then have lunch at The Olive Garden. Then you enjoy two more assignments, shopping at NIKE and The GAP, before having dinner at Red Lobster. And imagine being paid by each of the places -- not just for the items you purchased, but also for the services you provided.
The Demand For Mystery Shoppers is HUGE!
Restaurants, Fast Food Places, Golf Courses, Bars, Casinos, Liquor Stores, Movie Theaters, Retail Stores, Online Stores and a long list of others are in desperate need of Mystery Shoppers right now. And as a result of this increasing need, these companies are paying very well for people to come in and enjoy their establishment by shopping or eating.
Can You Think of a Better Conversation Starter Than Saying You're a Mystery Shopper?
Imagine the next time someone asks what you do for a living being able to tell them that you get paid to shop and eat! People get so curious about the job! You can feel their excitement at the prospect of getting paid to shop. And you'll feel great knowing you're doing something well respected by your peers, getting paid well to do it, and having fun all at the same time!
5 EASY STEPS - to become a highly in-demand Mystery shopper!!
Step 1:
Join the Shop Until You Drop Community.
Shop Until You Drop is a one-stop resource for individuals seeking to become Paid Mystery Shoppers. Recognized as the a leading provider of Secret Shopper resources. Shop Until You Drop has successfully helped hundreds of men and women every year fulfill their dream of getting paid to shop.
Step 2:
Create your profile
Once you have joined our site you will be instantly taken to our exclusive members only area. You will be asked to fill out a very short form in order to create a profile.
Step 3:
Apply with the companies in our exclusive members only area.
Search through an organized database of companies that are hiring shoppers in your area.
Step 4:
Pick and Choose the assignments you Want.
Assignments will arrive usually by email. The Email will give you detailed information about the assignment such things as what criteria they want you to look for, your reimbursable spending limit, and how much it pays. You Get To Pick and Choose the assignments you want.
Step 5:
Shop, take some notes and most of all have fun.
Assignments will arrive usually by email. The Email will give you detailed information about the assignment such things as what criteria they want you to look for, your reimbursable spending limit, and how much it pays. You Get To Pick and Choose the assignments you want.
Read the testimonials below to find out what some of our satisfied members are saying:
"I work part time and make enough to make my car note, plus some extra spending money for myself"
"Thank you so much! I had my first child 7 months ago. I was worried that I would have to go back to work and leave him in daycare. Thanks to shopuntilyoudrop.net I did not have too. I take my son to shops with me, it helps me to blend in as a secret shopper even more .I can't tell you how thankful that I am. I work part time and make enough to make my car note, plus some extra spending money for myself, I am still a stay at home mom. And now my husband loves it when I tell him have to go shopping, and now he encourages it! Just wanted to say thank you and let you know what a good service you provide."
Sara Rossetii- Union City, CA
"had drinks for FREE. I take women to restaurants and eat for FREE, and I've seen a couple of movies for FREE."
"I love eating out, going to movies and of course shopping ...I get to do all these things and get paid for it! From a few days after I signed up. I had secret shopper offers from various companies. I literally got so many offers that I had to refuse some of them. It's only been a couple of weeks and I have done several secret shops each week. I went to bars with my boys and had drinks for FREE. I take women to restaurants and eat for FREE, and I've seen a couple of movies for FREE. It's great! I do these things anyway, now I get paid for them!"
John Ishee- Hampton City ,VA
JOIN NOW & You will have instant access to:
Shopping Assignment Database New** (Search by City, State or Postal Code)
Searchable Mystery Shopping Company Database (100's of companies)
Instant Email Notification of Jobs Available in your Area.
Daily Job Board (always updated)
Step By Step Guide "Introduction to Mystery Shopping"
Assignment Organizer Log
Technical Support.
Mystery Shopper Newsletter
Cash for referring new members.
click here : http://bit.ly/dm07Yo
http://kreathapat.blogspot.com
From: Jennifer Williams
Monday, 7:24 a.m.
Dear Friend,
Would you like to earn money by shopping at retail stores, eating at restaurants and evaluating your experience through online questionnaires? Would you like to enjoy the perks of free meals, free products and free services?
Mystery shopping is truly an awesome way to earn a paycheck and I always find my friends and family asking me how I do it. So I have decided to create this web site to teach people how to become professional mystery shoppers. In this web site I will show you how to implement the SAME strategies that I'm personally using to earn a paycheck by shopping and evaluating businesses in my area.
If you would like to learn how to become a professional mystery shopper you should let me show you how. It does not matter if you are male or female, 18 to 81. I will show you step by step how to to earn a paycheck by shopping and evaluating businesses in your area.
You are probably asking yourself Why would a company pay me to shop?
Companies want to know if policies are being followed, if customers are being satisfied, and that their business is running just like it should.
So they hire "Mystery Shoppers" to come in and act as if they're normal customers to see that everything is going as it should.
Your job as a "Mystery Shopper" would be to provide businesses with an impartial, honest and anonymous evaluation of all they have to offer. If a business needs to be sure that their average customer is being well treated, then YOU play that very roll. You take on whatever roll that is needed, so, not only will you be tasting, sampling and testing what these businesses have to offer, but you'll also provide them with valuable data.
The answers to the below questions are VALUABLE to companies and they are willing to pay very well for the answers to them.
• How well were you treated?
• Was your overall experience positive or negative?
• Were the employees friendly and courteous?
• Did you encounter any problems?
As a Mystery Shopper, there's only one way to get the answers and that is by Mystery Shopping!
But Can You Really Make Good Money As A Mystery Shopper?
For example read this NY Times Article about a New York Woman that makes $7000.00 per month by mystery shopping! I want to be perfectly honest, I can not guarantee that you will make $7000.00 per month it all depends on you. I can guarantee that if you like to shop and would like to get paid for it, then mystery shopping is the perfect job for you.
As a Mystery Shopper
• You can work full or part-time.
• You determine the hours and days you want to work.
• You can pick and choose only the "jobs" you want to take!
• Flexible schedule and hours.
• You can bring your spouse or your kids on assignments with you.
Imagine a lazy afternoon "working". You start out shopping at Bloomingdale's, then have lunch at The Olive Garden. Then you enjoy two more assignments, shopping at NIKE and The GAP, before having dinner at Red Lobster. And imagine being paid by each of the places -- not just for the items you purchased, but also for the services you provided.
The Demand For Mystery Shoppers is HUGE!
Restaurants, Fast Food Places, Golf Courses, Bars, Casinos, Liquor Stores, Movie Theaters, Retail Stores, Online Stores and a long list of others are in desperate need of Mystery Shoppers right now. And as a result of this increasing need, these companies are paying very well for people to come in and enjoy their establishment by shopping or eating.
Can You Think of a Better Conversation Starter Than Saying You're a Mystery Shopper?
Imagine the next time someone asks what you do for a living being able to tell them that you get paid to shop and eat! People get so curious about the job! You can feel their excitement at the prospect of getting paid to shop. And you'll feel great knowing you're doing something well respected by your peers, getting paid well to do it, and having fun all at the same time!
5 EASY STEPS - to become a highly in-demand Mystery shopper!!
Step 1:
Join the Shop Until You Drop Community.
Shop Until You Drop is a one-stop resource for individuals seeking to become Paid Mystery Shoppers. Recognized as the a leading provider of Secret Shopper resources. Shop Until You Drop has successfully helped hundreds of men and women every year fulfill their dream of getting paid to shop.
Step 2:
Create your profile
Once you have joined our site you will be instantly taken to our exclusive members only area. You will be asked to fill out a very short form in order to create a profile.
Step 3:
Apply with the companies in our exclusive members only area.
Search through an organized database of companies that are hiring shoppers in your area.
Step 4:
Pick and Choose the assignments you Want.
Assignments will arrive usually by email. The Email will give you detailed information about the assignment such things as what criteria they want you to look for, your reimbursable spending limit, and how much it pays. You Get To Pick and Choose the assignments you want.
Step 5:
Shop, take some notes and most of all have fun.
Assignments will arrive usually by email. The Email will give you detailed information about the assignment such things as what criteria they want you to look for, your reimbursable spending limit, and how much it pays. You Get To Pick and Choose the assignments you want.
Read the testimonials below to find out what some of our satisfied members are saying:
"I work part time and make enough to make my car note, plus some extra spending money for myself"
"Thank you so much! I had my first child 7 months ago. I was worried that I would have to go back to work and leave him in daycare. Thanks to shopuntilyoudrop.net I did not have too. I take my son to shops with me, it helps me to blend in as a secret shopper even more .I can't tell you how thankful that I am. I work part time and make enough to make my car note, plus some extra spending money for myself, I am still a stay at home mom. And now my husband loves it when I tell him have to go shopping, and now he encourages it! Just wanted to say thank you and let you know what a good service you provide."
Sara Rossetii- Union City, CA
"had drinks for FREE. I take women to restaurants and eat for FREE, and I've seen a couple of movies for FREE."
"I love eating out, going to movies and of course shopping ...I get to do all these things and get paid for it! From a few days after I signed up. I had secret shopper offers from various companies. I literally got so many offers that I had to refuse some of them. It's only been a couple of weeks and I have done several secret shops each week. I went to bars with my boys and had drinks for FREE. I take women to restaurants and eat for FREE, and I've seen a couple of movies for FREE. It's great! I do these things anyway, now I get paid for them!"
John Ishee- Hampton City ,VA
JOIN NOW & You will have instant access to:
Shopping Assignment Database New** (Search by City, State or Postal Code)
Searchable Mystery Shopping Company Database (100's of companies)
Instant Email Notification of Jobs Available in your Area.
Daily Job Board (always updated)
Step By Step Guide "Introduction to Mystery Shopping"
Assignment Organizer Log
Technical Support.
Mystery Shopper Newsletter
Cash for referring new members.
click here : http://bit.ly/dm07Yo
http://kreathapat.blogspot.com
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