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Avoid Internet Theft, Fraud and Phishing
by: Daniel Punch
Since its birth, the Internet has grown and expanded to unprecedented, unmanageable proportions. Information, software, news, and much more flow freely through its twisted pathways. Online services such as Internet banking save time and money. However, from the depths of its vast expanse have come the dregs of society intent on preying on the new, the naïve, and the less informed.

Phishing is one of the main scams in the present moment. People set up phoney websites and email addresses. Then they spam Email inboxes with official-looking messages explaining that your account with Company X has encountered a problem and that they need you to login and confirm some details. The email addresses are masked to appear official and the links provided in the email all seem to check out. If you click on the link provided then you will usually be taken to a site that looks for all intents and purposes to be official. When you click 'submit' your details will be sent to a criminal somewhere who will do as they please with your information, such as withdrawing money from a bank account or purchasing things in your name. The scam has been labelled 'Phishing' because the criminals engaging in the activity behave similarly to a fisherman throwing bait out in the hope that they'll receive just one bite from the millions of people that receive the email.

So how do you avoid these online scams? First and foremost, it is important to realise that no legitimate organisation should be sending you a request to fill out your personal details because of some server error or for any other reason. Your bank will never send you an email with content along the lines of "We've lost your bank account number and password... please supply them again for our records". You should also know that no bank is going to require your social security number, bank account number, and PIN number just to log in to your account or retrieve your password. Other sites such as Ebay, PayPal, and the like will not email you asking for these details either.

If you're a little unsure as to whether or not an email is official, scroll down a bit until you find the link that they are requesting you to click and simply hold your mouse pointer over the link text without clicking. Now take a look at the bottom left-hand corner of your browser window. The link text is often the address that the phisher wants you to think you will be heading to but the real address will be revealed in the bottom of the browser. This address will most likely not have anything whatsoever to do with the company that the email is attempting to imitate. It could be a dodgy web site or even just a page on someone's personal computer. If the address doesn't appear in the bottom left-hand corner then you can right-click on the link, select 'properties' from the pop-up menu and then read the address listed in the information box.

To avoid further scams make sure that you have updated firewall and anti-virus software active on your system at all times. This will make it harder for anyone to install key loggers, Trojans, spyware, or other similar devices intended to retrieve your information. Keep your operating system up to date with the latest security patches and updates and be careful where you enter your details. Always look into the reputability of the site that is requesting your details and keep an eye on the lower right-hand corner of your browser. If the page you are viewing has a little padlock symbol appear in the corner, then it means that your details are being secured by some encryption method. You can double click on the icon to get more details if you wish. Sites without the padlock icon don't have encryption, which means that your details are a lot easier for malicious crooks to get a hold of. Even if you're sure the website is legitimate, it's not a good idea to send your details over an unsecured connection. By the way, email does not count as a secure connection, and neither does any instant messaging program, (such as MSN, ICQ, Yahoo Messenger, AIM etc.) so don't give out personal details that way either.

Another common scam very similar to phishing involves the emailing of promises of great wealth. Seriously, what do you think your chances are of winning the lottery, let alone one that you never even entered? Or of some obscure yet ridiculously rich person in Africa dying and you being legally allowed to pick up their money? Or of a foreign prince wishing to smuggle money out of his country using your account? These emails are all scams. I wish it were true that I won three different lotteries every single day, but if you get in contact with the people sending these messages they're going to do their utmost to clean out your pockets. Unfortunate as it may sound, the 'Please Donate to Charity' emails sent are usually also scams. If you really want to donate money to a charity, look them up and send it the usual way, don't respond to a multi-recipient email that may or may not be real. You also shouldn't donate to some random charity that no one has ever heard of before. Some of the Internet lowlifes have started up fake charities, 'dedicated to helping Tsunami victims' or similar and are simply pocketing the donations.

Everything in this world can be used for either good or evil purposes and the Internet is no exception. Staying alert and having just a little bit of Internet know-how can keep you out of harm's way for the majority of the time, and allow you access to the wonderful online services available with relative safety.

About the author:
Daniel Punch
M6.Net Web Helpers
http://www.m6.net


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Tips to Build Your Email Address Database

WHY BUILD YOUR EMAIL ADDRESS DATABASE?

Gaining your customers' email addresses will:

  • Provide an additional channel for reaching your customers
  • Increase the ROI of your marketing investments
  • Significantly reduce your customer acquisition and marketing costs
  • Allow you to easily measure the impact of your marketing campaigns
  • Increase your customer participation and retention rates

With ongoing postal and telemarketing pressures impacting marketing budgets for many organizations this year, email marketing could become the "silver lining " for many marketers.   But how do you create a successful email marketing campaign if you do not have a substantial email database?  That question may be one of the largest Internet related challenges facing companies this year.

Research shows that the majority of organizations have email addresses for less than 10% of their postal files.  So how do you level the playing field and start to add quality permission - based email addresses to your database?

Here are some tips that you can use to cost effectively build your email address database and increase your customer participation and retention rates: 


START TO ASK FOR IT!  

Every communication or touch point with a customer should start or end with a request for an email address.   By utilizing the four points below, you should be able to add email addresses for 5% to 10% of your postal file over the course of one year.

1.  Direct Mail Collection

Think about how much time and money you spent for copy and design on your last new direct mail piece.  Most companies have started to ask their customers for their email address information within these mailings.  This is a great step forward. However, companies need to look at one major improvement if they want to increase their email address collection rates. 

To date, most requests for email address information have been pushed, shoved or jammed into whatever white space remains.  It should be no surprise that the success rate has been less than stellar.

To improve on these efforts, you need to provide your members with a reason to release their email addresses to you.  E-newsletters, purchase confirmations, petitions, and special discounts and offers are but a few of the benefits that will encourage your members to come on board.

2.  Web Page Collection

Many companies have an email address collection function in place via the web.  To improve your sign-up rates, add text below the email request box that informs your visitors of the special email benefits that they will receive (i.e. e-newsletters, purchase confirmations, delivery updates, etc.) upon registering.  You can also utilize a pop-up link to inform users of these special benefits.

Finally, your email address request function should be available on your home page. Don't make your users go and look for it.  Every click away from your home page reduces the chances of your users taking an action and providing you with their email address information.

3.  Existing Email Database Collection

Don't forget to ask the members of your existing customer base for email addresses of their friends, family and associates.  Viral marketing is a powerful tool to use and is extremely cost effective!  You could ask them either to provide you with additional addresses or simply to pass on your newsletter, email specific offers, or other information to others they feel have similar interests.

4.  Telemarketing Collection

Don't assume that your telemarketing agents are asking for email addresses from potential customers.  Ensure that your agents have an updated script, which outlines the previously described benefits to potential customers of providing their email addresses.

The suggestions above are a great start!  Yet they really should be viewed as a secondary plan for building your email database.  To exponentially and expeditiously grow your email database, please read on!


EMAIL APPENDING  

Utilizing an email appending service enables you to add email addresses for up to 25% of your postal file, all within 3-4 weeks.

Email Appending - is the process of adding an individual's email address to that individual's postal record in side your existing database.  This is accomplished by matching the postal database against a third party, permission based database of postal and email address information.

Best Practices - Email Appending is not a prospecting tool. The DMA (Direct Marketing Association) and its interactive arm AIM (Association of Interactive Marketing) have guidelines in place that dictate that email appending only be used to append email addresses to your existing opt-in postal record house file.

The Process - Your opt-in postal file is securely transferred to an email appending provider, who will do an initial gross email address match of your file against its opt-in database of postal and email address records.  Your appending provider will then send these matches a permission-based message prepared by you.  All bounces and opt-out requests will be removed from the list.  At that point a valid permission-based email address file of your customers will be delivered back to you. 

Cost - Less than the price of a postal stamp!


IN SUMMARY

The first step of any successful email marketing effort is to build a permission-based email address list of your customers.  The simplest, quickest and most cost-effective way to do this is through email appending, which will enable you to add email addresses for up to 25% of your postal file.  Secondary efforts of email address collection via focused direct mail, web, viral and telemarketing practices are also important and will enable you to add email addresses for an additional 5% to 10% of your base on an annual basis.

Best of luck in building your email address database.  As many companies have already learned, the ROI and cost savings to be achieved will far exceed your expectations.

Bill Kaplan
CEO
FreshAddress, Inc.

FreshAddress, Inc., The Email Address ExpertsTM, provides a comprehensive suite of industry leading database and email deliverability services to help companies increase their e-commerce revenues.  For more information on how we can help "Build and Update" your email list, visit http://freshaddress.com/biz or email biz@freshaddress.com.



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