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Cyber Crooks Go "Phishing"
by: Jim Edwards
© Jim Edwards - All Rights reserved
http://www.thenetreporter.com
-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-

"Phishing," the latest craze among online evil-doers, has
nothing to do with sitting at the end of a dock on a sunny
afternoon dangling a worm to entice hungry catfish.

But, if you take their bait, this new breed of online con
artist will hook you, reel you in, and take you for every
dollar you have... or worse.

"Phishing" describes a combination of techniques used by
cyber crooks to bait people into giving up sensitive
personal data such as credit card numbers, social security
numbers, bank account numbers, dates of birth and more.

Their techniques work so well that, according to
FraudWatchInternational.com, "phishing" rates as the
fastest growing scam on the Internet.

Here's the basic pattern for a "phishing" scam...

You receive a very official email that appears to originate
from a legitimate source, such as a bank, eBay, PayPal,
a major retailer, or some other well known entity.

In the email it tells you that something bad is about to
happen unless you act quickly.

Typically it tells you that your account is about to get
closed, that someone appears to have stolen your identity,
or even that someone opened a fraudulent account using your
name.

In order to help straighten everything out, you need to
click a link in the email and provide some basic account
information so they can verify your identity and then give
you additional details so you can help get everything
cleared up.

Once you give up your information... it's all over but the
crying!

After getting your information, these cyber-bandits can
empty your bank accounts, deplete your PayPal accounts, run
up your credit card balances, open new credit accounts,
assume your identity and much worse.

An especially disturbing new variation of this scam
specifically targets online business owners and affiliate
marketers.

In this con, the scammer's email informs you that they've
just sent $1,219.43 (or a similar big but believable
amount) in affiliate commissions to you via PayPal.

They need you to log into your PayPal account to verify
receipt of the money and then email them back to confirm
you got it.

Since you're so excited at the possibility of an unexpected
pay day, you click the link to go to PayPal, log in, and
BANG! They have your PayPal login information and can empty
your account.

This new "phishing" style scam works extremely well for 2
basic reasons.

First, by exploiting your sense of urgency created by fear
or greed, crooks get you to click the link and give them
your information without thinking.

Second, the scammers use a variety of cloaking and spoofing
techniques to make their emails and websites appear totally
legitimate, making it extremely hard to spot a fake website,
especially when they've first whipped you into an emotional
frenzy.

The good news, however, is that you can protect yourself
relatively easily against this type of cyber-crime with
basic software and common sense.

Most of these scams get delivered to you via Spam
(unsolicited email), so a good spam blocker will cut down
on many of them even making it to your inbox.

If you receive an email that looks legitimate and you want
to respond, Stop - Wait - Think!

Verify all phone numbers with a physical phone book or
online phone directory like www.Verizon.com or
www.ATT.com/directory/ before calling.

Look for spelling and grammatical errors that make it look
like someone who doesn't speak English or your native
language very well wrote it.

Never click the link provided in the email, but go directly
to the website by typing in the main address of the site
yourself (example: www.paypal.com or www.ebay.com).

Forward the email to the main email address of the website
(example: support@paypal.com) or call the customer service
number on the main website you typed in yourself and ask if
it is in fact legitimate.

Above all remember this:

Your bank, credit card company, PayPal, eBay and anyone
else you deal with online already knows your account
number, username, password or any other account specific
information.

They don't need to email you for ANY reason to ask you to
confirm your information -- so NEVER respond to email
requests for your account or personal details.


About the author:
Jim Edwards is a syndicated newspaper columnist and the
co-author of an amazing new ebook that will teach you how
to use fr-e articles to quickly drive thousands of targeted
visitors to your website or affiliate links...

Simple "Traffic Machine" brings Thousands of NEW visitors to
your website for weeks, even months... without spending a
dime on advertising! ==> "Turn Words Into
Traffic"



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Winning the War On Spam

For years I didn't worry much about spam.

But lately it's got out of control. Over half of my email is now spam, and it was growing by the week - until I took action.

This article shows you some strategies for winning the war on spam.

------------------------------------------------

How Do They Get Your Address?

------------------------------------------------

In the old days, spammers got their addresses mainly from Newsgroups - if you didn't post to Newsgroups, you were reasonably safe. But they're now using a much more efficient method to build their lists - email harvesters.

Email harvesters are robots that roam the Internet collecting email addresses from web pages. Examples are EmailSiphon, Cherry Picker, Web Weasel, Web Bandit and Email Wolf, to name just a few.

How can you protect yourself from email harvesters?

By 'munging' (mung = 'mash until no good') or cloaking your email address.

There are many ways of munging your address - the easiest technique is to use ASCII code for the punctuation in your email address (instead of symbols).

For the colon after mailto use : and for the @ symbol use @ and for the period use . . With this method, your email address would become:

mailto:yourname@yourdomain.com

but it will display as:

mailto:yourname@yourdomain.com

Your email address will appear exactly as it did before, and it will still be 'clickable', but email harvesters will ignore it and move on.

There are also JavaScript's that you can insert into your web page that will make your email address visible to humans but invisible to harvesting programs. Here's one that works very well: http://pointlessprocess.com/JavaScripts/anti-spam.htm

-----------------------------

How To Fight Spam

-----------------------------

The most important thing is never, ever, reply to spam.

Most spam contains an innocent-looking 'remove me' email address. Do not use it. Here's why:

Spammers typically buy a CD containing a million or so email addresses, but they have no idea how many of those addresses are active. So before beginning their marketing campaign in earnest, they send out a 'test message' to the entire list.

The test message contains an email address for removing yourself. When you reply to that address, it confirms to the spammer that your address is active and therefore worth spamming.

Worse still, the spammer may be distilling from that CD a list of confirmed active addresses that he will then sell to another spammer.

The key to dealing with spam is to report it to a 3rd party: (1) the affiliate program that the spammer is advertising, (2) the spammer's web host, or (3) the ISP the spammer used to connect to the Internet.

When you report spam to a 3rd party, remember to be polite - they didn't send the spam and they're probably just as anti-spam as you are.

(1) Reporting to Affiliate Programs

Many spammers are affiliates advertising someone else's products or services. So look for a website address that contains an affiliate link, something like this: www.affiliateprogramdomain/841526

Then just send an email to the affiliate program (abuse@affiliateprogramdomain.com), informing them that you are receiving spam from one of their affiliates.

Most affiliate programs have zero tolerance for spamming and will remove an affiliate spammer without warning.

Now, affiliate spammers don't want you to see their affiliate link, so many of them send their email as HTML. All you see in the message are the words 'Click Here and Order Now'.

But in your browser just click on 'View Source Code' and search for the letters 'http'. That will take you to the spammer's affiliate link.

(2) Reporting to Web Hosts

If the spam doesn't contain an affiliate link, it's likely that it is coming from the owner of the domain name. In that case you'll have to report it to the spammer's web host or their ISP.

To make a report to the spammer's web host just go to Whois, the directory of registered domain names: http://www.netsol.com/cgi-bin/whois/whois

Type in the spammer's domain (the website address that appears in the spam) together with the extension (.com, .org, .net etc).

The host for that domain will usually be listed as the Technical Contact in the Whois record and there will be an email address for contacting them.

(3) Reporting to ISPs

To report a spammer to his Internet Service Provider, you'll have to look at the spam's 'extended headers'.

Extended headers show the servers that the message passed through in order to get to you. The instructions for viewing extended headers will vary depending on what email client you are using.

=> In Pegasus Mail, open the offending message and then

right-click and choose 'Show raw message data'.

=> In Eudora Light, click on 'Tools' in the top menu

bar, and then 'Options', and then select the

checkbox option that says 'Show all headers (even

the ugly ones)' and click OK.

=> In Outlook Express, open the offending message,

select 'Properties' from the File menu and then

click the 'Details' tab.

Reading and understanding extended headers is quite a detailed subject. Here's an excellent free tutorial on how to decipher extended headers: http://www.doughnut.demon.co.uk/SpamTracking101.html

As an alternative to these reporting techniques, you could use a web-based spam reporting service such as SpamCop (www.spamcop.net). SpamCop deciphers the spam's message headers and traces the mail back to its source.

Wishing you every success in the fight against spam!

------------------------------------------------------------
Michael Southon has been writing for the Internet for over 3
years. He has shown hundreds of webmasters how to use this
simple technique to build a successful online business. Click
here to find out more: http://ezine-writer.com/
------------------------------------------------------------


 



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