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The Bad Guys Are Phishing For Your Personal Information
by: Tim Knox
Do you know what "phishing" is?

No, it doesn't mean you grab a pole and head to the late to catch some phish.

The official Webopedia definition of "phishing" is as follows:

The act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The e-mail directs the user to visit a Web site where they are asked to update personal information, such as passwords and credit card, social security, and bank account numbers, that the legitimate organization already has. The Web site, however, is bogus and set up only to steal the user’s information.

Phishers prey on ignorance, fear, and emotion. They also play the numbers game. The more bait they email out, the more phish they'll catch.. By spamming large groups of people, the "phisher" counts on his email being read and believed by a percentage of people who will volunteer their personal and credit card information.

The latest attempt by identity theives to steal the personal information of eBay members hit my inbox earlier this week and I have to say, this one is pretty convincing. Even this old dog did a double-take before realizing that the identity thieves were phishing for my personal information again.

The sender of this email is listed as: eBay Member - rivernick and the email subject line reads: Question from eBay Member.

The email begins: "Question from eBay Member -- Respond Now. eBay sent this message on behalf of an eBay member via My Messages. Responses sent using email will not reach the eBay member. Use the Respond Now button below to respond to this message."

Listen to me: DON'T TOUCH THAT BUTTON

Of course the email was NOT sent by an eBay member or sent via eBay's messaging system, as it appears.

The email then takes on a threatening tone.

It reads: "Question from rivernick: I'm still waiting payment for my item for about 7 days. What happened? Please mail me ASAP or I will report you to ebay."

The recipient is then prompted to respond to this rather disturbing email by clicking a "Respond Now." button.

Doing so will take you to a website designed to look like eBay where you will be prompted to login using your eBay user name and password.

Once you pass this point you will be asked to update your account information before proceeding. Unknowing souls will offer not only their eBay password, but personal and credit card information, as well, without even knowing that they are about to have their personal information stolen.

The one thing that makes this scam so effective is the threat by the supposed eBay member to "report you to eBay."

The email preys on the fear of most eBay members that they are in danger of receiving negative feedback. Many eBayers would rather you cut off a pinky than leave them negative feedback. It is this emotion that the new phishers are hoping to hook.

The phisher is betting that most people will either be horrified by the threat of being wrongly reported to eBay or they will be ticked off that some jerk is threatening them by mistake.

Either way the phisher is counting on a percentage of people to have a knee-jerk reaction and login to the fake eBay website he has set up clear matters up.

I've yet to see what percentage of people who receive these phishing emails fall for the scam, but if a phisher gets 1f recipients to turn over their personal information, he will probably consider his phishing expedition a success.

I've warned you about these phishing scams before, but let's review it one more time.

NEVER reply directly to an email that appears to have come from eBay, Paypal, Amazon, or anyoen else asking you to click a link in the email to update your account information. If there is any doubt in your mind whether or not the email is really from eBay, for example, open a browser and type in the URL http://www.ebay.com. NEVER click a link within the email to respond.

NEVER believe that an email supposedly from another eBay member is for real. Again, do not click an email link to reply. Open a browser and go to eBay directly and log in. If the email was from a real member, there will be a record of the inquiry in your My eBay account.

You must be aware that there are bad guys out there who do nothing but spend time trying to come up with new and innovative ways to steal your information.

Be paranoid. Be aware. But don't be fooled.

The phishers will cast their line, but you do not have to take the bait.

Here's to your success!

About the author:
Tim serves as the president and CEO of three successful technology companies and is the founder of DropshipWholesale.net, an online organization dedicated to the success of online and eBay entrepreneurs. http://www.prosperityandprofits.com- http://www.dropshipwholesale.net- http://www.30dayblueprint.com


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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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