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Tyre&Auto Southbourne Group Review: The Good Effects of a Proper Exhaust Control

"Pollution is also a weapon of mass destruction." Most people believe in this while others continue to pretend that pollution is not a problem to mankind. But a lot of major cities today always experience a smoky environment due to a lot of cars and other types of vehicles emitting exhaust fumes into the atmosphere.

Pollution could also cause harm to our health and each of us is vulnerable to its effects. But, you can still minimize the effects of exhaust fumes with a proper exhaust control.

A good exhaust control has good effects that are helpful to the environment as well as to the car owners. This particular approach can first, reduce noise levels. Proper design and installation of an exhaust pipe system can minimize noise pollution where you can ask the help of a professional car service provider like Tyre&Auto Southbourne Groupto do this specific task for you. A broken exhaust pipe could also lead to increased noise levels, so in case you're facing such concern, contact a car service provider immediately.

A proper exhaust control also means that direct exhaust is away from the passengers since exhausts were designed at the tail end of a car, or raised high up to support the escape of exhaust fumes into the atmosphere. To assure a more stress-free ride, let a car service provider such as Tyre&Auto Southbourne Groupcheck if there’s any clogging or leaks in your car.

A good exhaust control also results in better engine performance. In case you notice a reduced power and performance in your car, then it could be due to a defective exhaust pipe since it decreases the engine's ability to maximize its burning capability. Inefficient disposal of the waste gases from the combustion process could also lead to a large percentage of lost in an engine's power.

A proper exhaust control can lastly, make fuel consumption more effective since increasing the effectiveness of fuel consumption depends on proper burning. Furthermore, a decreased car mileage is due to a defective exhaust system; and having a faulty exhaust pipe system could pollute the environment as well as burn your money.

Tyre&Auto Southbourne Group strives to always give excellent car service to their customers to help them take care of their cars as well as the environment. The company believes in the importance of being responsible for controlling the quantity and quality of exhaust fumes, and seeing significant value in the good effects of a proper exhaust control.


Natasha Carey dec 15 16, 06:20
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Security and Risk Online: Where credit card fraudsters like to shop in Texas and why

What do grocery stores and banks have in common? They’re both hotspots for credit card fraudsters in Texas, according to Rippleshot.

The fraud analytics company compiled a list of the top ten places fraudsters like to spend money and majority of the list includes various types of retail and wholesale stores. However, one of the hotspots confused analysts a bit.

“When we did the top ten list where people… actually go and spend fraudulent cards—grocery stores, home supply warehouse stores, wholesale clubs, department stores, gas stations—none of that was particularly surprising to us,” said Canh Tran, CEO of Rippleshot, a Chicago-based predictive technology provider with a focus on credit cards. “What was, was… federal reserve banks.”

Why would someone use stolen credit card information at a federal reserve bank? ATM access.

“It’s one of the trends we’re seeing in fraud scam,” said Tran. “ATMs and gas stations.”

EMV standard credit cards, otherwise known as cards with a chip, and merchants that require using them present fraudsters with more of a challenge in accessing funds or making purchases. But thanks to ATMs and gas stations these individuals have forged an easy way around this.

“ATMs and gas pumps are huge targets right now for skimming and using counterfeit cards because they have extra time to become EMV compliant,” said Tran. “And fraudsters are absolutely going to go after the low-hanging fruit.”

With the U.S. attempting to fully implement chip use and the growth of online banking, the nature of credit card fraud is constantly changing. Banks now possess the ability to analyze transactions in real time and send immediate alerts about suspicious activity. Meanwhile, fraudsters have mostly let go of traditional acts of committing fraud and focus on online fraud, something Tran expects to see even more of with the spread of chip use.

“What we’ve seen in Europe and Canada is at the beginning, regular merchant fraud goes down. But it turns out that what happens is that online fraud just balloons,” said Tran.

Though online fraud may balloon in the near future, right now some of the top Texas merchants that have been compromised are fast food and other eating/drinking places, gas stations, grocery stores, airlines, and banks.

For merchants, Tran stresses the growing trend and importance cyber data insurance.

“If you’re Target and you get breached, you’ll survive. At the end of the day, you’re big enough,” said Tran. “But a small mom-and-pop store or a small-to-medium sized business that gets breached and it's publicly known, there’s a 60- or 70-percent chance that in the next six months you’ll go out of business.”

 


Natasha Carey jan 16, 06:26
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Hawkfield Gallery Review - Artists from Different Time and Places

Try asking various people on their view of what an art is and their concept of art will definitely vary depending on their standing in society. Art, in its simplest meaning is a way to communicate.

 

Every culture develops some kind of art, as simple as creating a language. Through art, we share and express ourselves, our ideas and emotions. Art in some form can capture and tell the story of a society. Simply by buying art, we preserve and value the culture of a country.

 

With 25 years in art collecting, Hawkfield Gallery consultants has a diverse collection of American fine art and folk art. They aim to preserve and appreciate American culture brought by the pieces of artworks displayed in their gallery. If you are interested in American art, check out their site to find appealing visual arts that may suit your taste.

 

People buy art all the time. It varies depending on its type, size, color, interest and price etc. If you are looking for a particular exquisite art, whether you’re just a typical art buyer or a collector with a specific type or subject of art in mind, you will need a reputed art gallery to help you in searching. Hawkfield Gallery and its team of art consultants have a vast knowledge in art. They make the buying and selling a smooth and rewarding experience for their clients. Moreover, they make sure that what they have is the best among the rest given at a competitive price.

 

If you are a tourist and an art lover visiting Boston, Massachusetts, you wouldn’t want to miss going to Hawkfield Gallery which is located in a shore town midway between Cape Cod and Boston. Housed in an 1850’s farmhouse, the gallery space was a tearoom, craft shop and lending library in the 1920’s. The farmhouse is located near the North River and was once operated as a dairy farm up to the 1960’s. Tourist can take a leisurely walk along bucolic woodland trails which lead to a pier on the river. They can also go beyond to one of the numerous antique shops, galleries or historic sites in the South Shore's Plymouth County.

 

Check out the place to experience the American culture through the artworks displayed inside the gallery. Bring home an artwork from Hawkfield, it will fill your soul with delightedness, a sense of fulfillment knowing that somehow you contribute in preserving the American culture and arts.

 


Natasha Carey oct 29 16, 04:25
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Southbourne Positive Living Group - 5 Tips on How to Create Prosperity without Money

Your outer world reveals what is on the inside. Ever wonder why things don't work out, again. What if you could change on the inside and set prosperity in motion, seemingly effortlessly? Learn how to activate prosperity from the inside out.

Sounds crazy I know, but it really is true!  I want to give you 5 Tips that will help you create Prosperity starting today.

Tip #1 Whatever is on the inside will be your reality! Even nature verifies this. On the inside of an apple seed is an apple tree, not an orange tree. You cannot get a peach from a lemon seed.

Tell me, can you get kangaroo from a fish? Here is a fact, "like begets like". Whatever is on the inside is going to give birth to what is on the outside.

So doesn't it stand to reason whatever is on the inside of you will be on the outside. The inside always gives birth to what will be on the outside.

Most people believe prosperity is all about figuring out how to create money. Not so, prosperity begins on the inside. So the question is, what do you have on the inside? That's easy!

When you look at a peach tree can you tell what is on the inside of the seed. Absolutely!

Tip #2 Look at the outside if you want to know what is on the inside! Put clean water in a dirty glass and you have contaminated water. The same holds true with prosperity.

Put money in a lack or scarcity mindset and you will struggle making ends meet no matter how much income you create.

How can you tell what is on the inside of you. Easy, look at the outside. No. I am not talking about all the toys; everyone knows that can be deceiving.

There is a simple way to know what is on the inside, no one can hide it. It's your speech. Does your speech reflect prosperity and abundance, or scarcity and lack.

Most people don't pay much attention to their words. But awareness always precedes change. Remember your words are a mirror of your soul or heart.

Have you ever listened to people, I mean really listened. I want, I need, I wish, what if, but, I can't..... What kind of words do speak regularly

They will tell you what is on the inside, prosperity or lack.

Of course it becomes obvious in other ways as well. Such as, always struggling and never having enough....  behind on things and the list goes on.

Tip #3 It's time to make the change! If you want a different outcome then you have one choice, change. You can change your words, thoughts, feelings, attitude---notice there is an inward progression here.

Once you become aware of the above, you have a choice. Change Or stay the same. Choices have an exact outcome; they always have a specific result.

So if you want prosperity to be set in motion then simply make the prosperous choice. Immediately you activate prosperity.

So awareness must lead to action. That action brings change, and change gives you a specific result.
Here is where a lot of people experience, success then failure…. You get some wins under your belt then suddenly you are back where You were.

Tip #4 Permanent change should be seemingly effortless! Have you ever read a book, had a conversation, or watched TV before going to bed and you dream about it all night? Or maybe had a tough problem to solve with a deadline, and you wake up in the morning' with the answer?

That is your subconscious at work! Your subconscious is the inside. It determines what will be on the inside. This is where all your old Programs are that need to be deleted, and replaced with the new.

Change that happens at this level is permanent, at least until they are changed. So how does change occur here?

Here is one simple way. The time before that, sleeping state, and the time just after opening your eyes are perfect for change.

It's the time you can turn things over to your subconscious and allow It to work on your behalf. This is effortless. If you struggle, you did not turn it over and leave it. Turn it over and let it go!

Here's one way to turn it over. Ask questions. This fires up your Subconscious and puts it to work. But, you must ask the right Questions.

Why is this happening to me is not a good question. A better question would be, what change needs to happen in order for me to prosper.

When the answer comes, and it will, that is what you want to really think about during those times just before and after sleep. This will replace those old self sabotage programs that fire off and set you back effortlessly.

Tip #5 Live out your change! Once the change is in place its simple, live out the change. You don't have to live in fear. Have a little faith, and let the change happen.

At this point it should be automatic, without much effort at all.

Prosperity begins on the inside, and you can Create Prosperity without Money. It's pretty simple!

Southbourne Positive Living Group (SPLG) meets on the last Wednesday of the month (excluding holidays).

Join a group of like- minded people and rediscover the purpose and meaning of your life.


Natasha Carey feb 24, 06:38
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Security and Risk Online: Cybercrime Prevention Tips for 2017

2016 is almost done and year 2017 winds its beginning. A brand new year will unfold, are we ready enough to protect ourselves from cyberattacks once again? Cybercriminals will certainly come up with newest unlawful schemes to deceive people. And we must be aware and mindful enough to protect ourselves from such threats. 


I prepared some tips to protect yourself from cyberattacks:


-One of the most important things to remember is that never give your personal and financial information right away when buying or selling online. Check their background first and purchase from a reputable and well-established sellers only. 


-Be cautious and discreet online. Do not share too much information about yourself on the internet and keep your personal and financial information private. Cybercriminals will definitely use that information to their advantage.


- “Generate a strong password” or “Create a strong password” are advice we constantly see online. Setting a strong password is important because it can stop or prevent various cyberattacks on your online accounts. Do not use passwords that are obvious and very predictable, if you use the same passwords on all of your online accounts then it will become easy for thieves to gain access and wreak havoc on your personal and financial life. You wouldn’t want that to happen right?


-Do not let your guard down when using social networking sites because cybercriminals are lurking there. Your privacy and security could be in danger so make sure to optimize your privacy settings.
-This may be a bit simple but make an effort to set a lock on your computer as well to the other electronic devices you have.


-Opening email attachments and links can be harmful because they sometimes carry spyware and malware such as Trojan horses, worms and viruses that can infect your computer and steal private information from you. It is better to ignore and delete emails from unknown senders.


-Understand and avoid the dangers of downloading free apps on your mobile phone. Free apps could contain harmful code that can damage your mobile device and compromise your personal data and expose it to identity thefts.


There’s no limit to all of the things we can do online to make our life more convenient. However, it can also make us susceptible to frauds and scams. If you notice any suspicious activity and became a victim, quickly report it to local authorities. 


Natasha Carey feb 8, 05:48
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SC Advisors Real Estate Orlando Projects Services

What we do at SC Advisors is not just a science; it's also an art. We value quality over quantity and choose to work on substantive projects with a limited number of public and private clients. We customize our strategies and operating plans to meet each client's specific business and/or policy objectives and then guide them through each stage of the real estate development process. With more than 40 years of team experience and $2 billion in development and transactions behind us, we have the proven industry experience to meet clients' specific business and/or policy objectives.

DEVELOPMENT

We guide our public and private clients through every stage of the development process from the first idea to project completion:

- Site selection

- Entitlement and zoning

- Market feasibility

- Financial return modeling and analysis

- Capital or debt structure and commitments

- Planning and design development

- Budget and schedule management

- Contract procurement

- Risk and asset management

DESIGN + BUILD

We manage all aspects of Design and Build Projects, including:

- Site selection

- Entitlement and zoning

- Capital or debt structure and commitments

- Planning

- Programming and design development

- Budget and schedule management

- Team and contract procurement

- Risk management

- FF&E and OS&E procurement and installation

- Pre-opening commissioning and close-out

ACQUISITION + DISPOSITION

We deliver the highest levels of integrated planning and project execution, which typically comprise:

- Property selection

- Listing contract negotiations

- Due diligence, including market feasibility, pricing, operating performance, and financial return modeling and analysis

- Cap X evaluation

- Asset management

ADVISEMENT

We advise and manage the phases of all real property assets, such as:

- Disposition

- Acquisition

- Development strategies and operating plans

- Asset management


Natasha Carey nov 3 16, 10:23
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KAORI FUCHI Tax and Consulting: Client Testimonials / Individuals Voice

Mathew Brigante

Expatriate for a foreign company

As a foreigner living in Japan, dealing with bureaucracies can be daunting and that applies especially to filing taxes. I needed an accountant to do my tax return who was affordable, competent, and who could speak English. Kaori Fuchiand her staff exceeded all of my expectations. From start to finish, and even after submitting my return, she promptly replied to my emails with clear, concise advice and support. I was even provided with step by step instructions on how and where to file my tax return all in English.

Filing taxes has never been easier. I'm already planning to use Kaori Fuchi Tax and Consultingfor my 2014 tax needs because there's no other competition as they are the best!

L.Q. working in Tokyo

Expatriate for a major US apparel manufacturer

I requested help on my Japanese income tax return. I came to Japan as an expatriate of a foreign company, so I knew nothing about Japanese tax systems.

Kaori not only speaks English, but understands what is important to foreigners. She has been a great help to me, as she does everything professionally and promptly. I intend to ask Kaori to take care of my tax matters for the duration of my stay in Japan. Thank you Kaori and I really appreciate it.

Ansel Simpson

Managing an English Coaching & Consulting company in Japan

The Socratic Review improves your English communication skill, advances the client’s ability powerfully, effectively and rapidly, and is the only Coaching & Consulting company in Japan that guarantees the goal achievement in English communication skill improvement.

Kaori was recommended to us by one of her clients. Kaori always provides the necessary information promptly. She responds to mails very quickly as well. She talks to the tax office for us to lead the discussions to the right direction. I think that for foreigners doing business in Japan, a quick response is very important. Japanese business practice is at a somewhat different pace to that of Western countries, but her prompt response is always of great help.

David France

Yoga instructor

I work as yoga instructor, body work therapist, and physical therapist. As an American needing to do tax return in Japan, I needed somebody who can advice me about this. Kaori was really kind! Dealing with tax matters in a foreign country in foreign language has been like walking in a dark jungle. It caused me a great stress and fear, but everything was made clear and I was really relieved. It was really reassuring to have somebody explain in English.

June Chin, Portico Financial Inc.

Tax Control, Investment Control and Asset Control on Properties

We chose Kaori Fuchi Tax and Consulting because we felt they offer high quality service to their clients. We also ask the office to act as our administrator of tax payment. Working with Kaori has been a good learning experience for us. She speaks fluent English and therefore can communicate with us properly.

Ken Hanawa

Owner of oversea real estates

I met Ms. Fuchi in July 2011. I own several assets (rental properties) in USA as I lived in USA for a long time, so when I immigrated to Japan I needed advice regarding their treatment in tax return. I got an impression that she grasps client’s need very quickly and provides precise advice. I consulted Ms. Fuchi as a tax accountant with knowledge on international tax matters, and she appeared to have had experiences in variety of cases and has answered to the contents of my consultation very accurately. I assume there had been a thorough preparation behind it. She also followed up after the meeting, and I am really grateful for her sincere handling of my case.


Natasha Carey dec 22 16, 06:08
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Online Security: How to avoid danger and scams when selling your car online

Nearly 100 car sellers on Craigslist were targeted by a scam in the Chicago area that left sellers without their cars and holding rubber checks, the National Insurance Crime Bureau reported last year. In a 2014 case, a young student from Southern California was stabbed to death selling a car he advertised on Craigslist.

Selling your car online is a wonderful convenience, but it’s also become a feeding ground for scammers. The good news is that with a few precautions, you can avoid these traps.

Craigslist, the free, peer-to-peer classifieds website, is where you’ll find most used car bargains — and where con artists try to prey on gullible sellers. The online giant eBayMotors.com also lists used cars for sale or auction but has various purchase protection programs to discourage most types of fraud.

When asked why online car sales attract shady types, Frank Scafidi, public affairs director of the National Insurance Crime Bureau, answered, “In a word, ‘anonymity.’ The internet attracts a lot of positive people, but it also attracts people who try to work their scam and then disappear back into the ether.”

Automotive enthusiast Josh Sadlier, a content strategist for Edmunds.com, has been buying and selling cars on Craigslist for years. He says that he’s never had someone try to cheat him but that he’s developed a “sixth sense for when someone might be shady.” He adds that if he creates a professional-looking ad with accurate information and good photos, it tends to attract serious, knowledgeable buyers.

Despite the occasional, highly publicized crimes involving Craigslist ads, sellers flock to online sites because they want to maximize the value of their used car quickly rather than trading it to a dealer for a lower price. While they may pocket more money, selling online also requires them to meet with strangers and, usually, arrange test drives, exchange cash and sign documents.

Auto sales strong as industry nears record high for 2016

Here are five tips to help you avoid falling prey to an online scammer:

1. Profile the buyer. If your buyer is legit — and reasonable — the sale will flow smoothly. How can you check out a potential buyer without tapping FBI databases? First, speak with the buyer on the phone. Many scammers hide behind bogus email accounts that provide no information about their whereabouts. Ask buyers to give you their phone number and set up a time to chat; the swindlers will quickly disappear.

Exchanging text messages about buying a used car is normal these days, but push for a quick phone chat. As you talk with the potential buyer, pay attention to your intuition. If the buyer makes any unusual requests or if anything makes you uncomfortable, just wait for another buyer.

2. Follow the money. Nearly all online scams stem from some unusual financing request from the buyer. In a popular scam, the fraudulent buyer sends you a check with an additional amount to ship the car. You pay for the shipping, send the car and then the check bounces.

Before agreeing to meet, tell the prospective buyer you accept only cash. If the buyer insists on paying with a cashier’s check, arrange to meet at the bank and watch as a teller handles the payment request.

Don't be fooled: Here are the BBB's biggest consumer scams of 2016

3. Don’t be overeager. Many scams work because of “the victim’s own eagerness to close a deal they think is sweet,” Scafidi says. So remember that real buyers will have questions about the car and will probably want to dicker. If you’re selling your car to someone out of the area, expect that person to arrange with a mobile service to inspect the car.

4. Meet in a “safe zone.” Because so many people are arranging physical meetings after connecting over the internet, Scafidi says police departments are creating “safe zones” with video surveillance. These are good places to meet prospective buyers.

Sadlier recommends that you, the seller, choose the meeting place. “You can take a lot of variables out of the equation by insisting on ground rules like that,” he says. “If you feel vulnerable and you’re not an automotive expert, bring a friend who is.”

Hertz to sell used cars via online site Shift

If no safe zone is available, meet in a well-lit public place with plenty of people around. Also, if you have any suspicions, ask to see the buyer’s driver’s license before letting him or her drive your car.

5. Avoid buyers with too many stories. Many scams begin with pleas for help or unusual requests such as to ship a car out of the country. In some cases, scammers pose as members of the military to gain sympathy and elicit feelings of patriotism. Avoid all such requests. As Scafidi says, “Slow down, ask questions and don’t become emotionally involved in the sale.”

 


Natasha Carey jan 21, 08:45
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Senior Analyst, Card Fraud Analytics

Salary: Competitive             

Location:  Markham, ON, Canada

Job Type:  Permanent, Full time

Company:  TD Bank Group

Updated on:  31 May 16

 

Senior Analyst, Card Fraud Analytics

 

About TD Bank Group

The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group ("TD" or "the Bank").

TD is the sixth largest bank in North America by branches and serves over 24 million customers in three key businesses operating in a number of locations in financial centres around the globe:

•Canadian Retail, including TD Canada Trust, TD Auto Finance Canada, TD Wealth, TD Direct Investing, and TD Insurance;

•U.S. Retail, including TD Bank, America's Most Convenient Bank, TD Auto Finance U.S., and an investment in TD Ameritrade; and

•Wholesale Banking, including TD Securities.

TD had CDN$1.1 trillion in assets on January 31, 2015. TD also ranks among the world's leading online financial services firms, with approximately 9.7 million active online and mobile customers. The Toronto-Dominion Bank trades on the Toronto and New York stock exchanges under the symbol "TD".

 

Department Overview

The Financial Crimes & Fraud Management Group (FC&FMG) is an enterprise-level organization within TD Bank Group that strives to protect TD customers, shareholders and employees from financial crimes and fraud. FC&FMG leads TD's enterprise-wide fraud strategy, develops and evolves enterprise policies, advanced analytics capabilities and operational efficiencies to improve governance, oversight and collaboration between fraud management and other control functions within the Bank. Our mission is to be a best run, integrated; customer and employee focused financial crimes and fraud management organization to protect TD from global, sophisticated financial crimes.

 

Job Type

Regular

Job Status

Full Time

Hours

37.5

Business Line

Corporate

Job Category - Primary

Business Analysis | Reporting

Job Category(s)

Business Analysis | Reporting

 

Job Description

The role of Senior Analyst is responsible to develop and monitor fraud rules to mitigate fraud risk while balancing the impact to the customer experience and our operations. The role provides a unique opportunity to apply analytical and technical skills leveraging industry leading detection systems. The role requires detailed and timely analysis of fraud patterns as well as the agility to shift with changing priorities. Strong communication skills and a proven ability to develop effective relationships with external and internal business partners are required.

 

Job Requirements

•Responsible for the development and implementation of Credit Card fraud strategies and ensure that they meet false-positive and detection rate benchmarks

•Be accountable for loss targets and the customer experience generated by fraud strategies

•Mine customer, account and transactional data to develop segmentation to improve fraud detection and minimize impact to legitimate transactions

•Convert analytic insights into recommendations for specific fraud operations initiatives, developing the business case and performing post-implementation tracking to ensure that targets are attained

•Represent Card Fraud Analytics on projects and in the planning of new initiatives and product launches

•Strong ability to communicate strategy analysis in both technical and non-technical terms, either verbally or in in documented format

•Ability to work independently and in teams, including managing cross functional or special project teams as required.

•Must possess strong organizational skills and the ability to manage a range of tasks and issues simultaneously to a positive outcome and in a timely manner

•Participate as a team member, promote team effectiveness and contribute to a positive work environment

 

Additional Information

•University degree in a numerate discipline e.g. Math, Statistics, Business

•3-5 years of work experience in analytical capacity

•Strong interpersonal and leadership skills and comfort in interacting with senior leaders.

•Ability to work independently in a dynamic environment with tight timelines

•Knowledge of Payment Card Industry is preferred

•Knowledge of Fraud Detection Systems such as CardGuard, Falcon, PRM is preferred

•Proficient with data extraction/mining tools: SQL, Knowledge Seeker, SAS

•Proficient with Microsoft Office applications; Advanced Excel

•Previous experience in fraud is an asset

#LI-SK2

 

Inclusiveness

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.

 

**Province/State (Primary)

Ontario

City (Primary)

Markham


Natasha Carey jun 1 16, 06:28
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Preventing Online Insurance Fraud

Shopping online offers convenience (and great deals!). But with the good comes the bad—in this case, the Internet scammers who continue to devise new methods to dupe honest folks and commit insurance fraud. Some are even committing crimes in ERIE’s name.

The Issue—and Why it Matters

Gene Robertson, director of special investigations and analytics at Erie Insurance, battles online insurance fraud nearly every day. During his 20-plus years with ERIE and previous experience with the U.S. government, he’s pretty much seen it all.

“From my perspective, you used to see door-to-door snake oil salesmen,” he says. “Now they’re in your inbox.”

These scammers are highly sophisticated, and they know exactly how to lower your barriers. As a result, today’s victims are often highly educated, technologically savvy adults.

“Often, the scammer and the soon-to-be victim trade emails to lend an air of legitimacy to the transaction,” Robertson says. “But the key to the scam is the wiring of money and the transaction code generated during the wiring transaction. Once you wire the money, the transaction code is the key to the kingdom.” Scammers often get victims to do this after they present counterfeit ERIE checks that, courtesy of high-quality scanners and check stock, appear surprisingly legitimate.

All of this translates into bad news for honest Policyholders. According to the National Insurance Crime Bureau (NICB), insurance fraudis the second most costly white-collar crime in America. What’s more, insurance industry studies reveal that 10 percent or more of property/casualty insurance claims are fraudulent, and that makes everyone’s premiums more expensive.

Here are three common insurance scams out there—unfortunately, there are even more being used and thought up every day.

The Out-of-State Buyer Scam

What happens: A “buyer” scanning a classified ads website decides to purchase something that you’re selling. He says that he owned an item just like yours, but it was lost or stolen. Because of that, the scammer says his insurer—in this case, ERIE—will overnight a check to you in order to cover his claim.

The catch: The scammer says you must wire money to cover the shipping costs, but you’ll be reimbursed by “ERIE.” You agree and end up receiving an official looking (but fake) ERIE check to cover the shipping and the item. You then wire the “shipping” money straight into the scammer’s pocket. Later, when you try to deposit the “ERIE” check, you discover it’s fraudulent.

The Email Harvesting Scam

What happens: Professional fraudsters harvest your email address through a spam mailing. They’ll then review a list of all the people you email and target the ones you sometimes contact. Figuring you care about them but don't know their whereabouts in the same way you know those of family members and close friends, they'll pretend to be stranded overseas and in need of money.

The catch: You need to wire money—and the sooner, the better.

The Counterfeit Check Scam

What happens: Scammers use emails to foster the illusion of trust while communicating with a seller listing a car online.

The catch: The buyer insists on presenting a check at the first in-person meeting instead of cashing it at a legitimate financial institution.

The result of all these scams: The victim loses the money he or she sent and the value of the item. However, certain types of these losses may be covered under ERIE’s Identity Recovery Coverage. See your ERIE Insurance Agent for details.

Don't be Another Statistic

Avoid falling into any of these traps by keeping these tips in mind:

  • Be aware. Don’t be afraid to second-guess someone’s intentions, especially if you didn't initiate the transaction. “My rule is that if you don’t request it, reject it,” Frank Scafidi, director of public affairs for the NICB, says.
  • Ask to call a potential buyer or seller—remember, most scammers fear being identified.
  • When you receive a check, ensure the money is cleared before you ship anything out. “Wait 10 days,” advises Robertson. “If the scammer has to wait that long, they’ll often run like there’s no tomorrow.”
  • Be especially wary of a non-U.S. resident who has a stateside contact who will send a requested item.
  • Never wire money for shipping or other fees after the “buyer” has paid you. And, if you’re receiving a check, ask that it’s from a financial institution that has a local branch for follow-up.
  • When selling an item online, refrain from sharing your phone number. Crooks use reverse phone lookups to find out more personal information about you.
  • Stay away from anyone willing to greatly overpay for an item. They’ll sometimes ask you to return the overpayment—your check will clear while the one they gave you will bounce.

If you suspect a case of insurance fraud, don't hesitate to call ERIE’s toll-free Fraud Hotline at (800) 368-6696 or send an email to fraud.finders@erieinsurance.com. All calls and emails are confidential.

You can also call the NICB toll-free hotline at (800) 835-6422 or your state’s bureau of consumer protection. Finally, you can forward suspicious emails to the Federal Trade Commission at spam@uce.gov—if they find that something‘s up, they’ll generate a case against the senders.

Protect Your Good Name with ERIE’s Identity Recovery Coverage

Did you know that victims of identity fraud spend an average of 60 hours and hundreds, or even thousands, of dollars to undo the damage?

Luckily, Identity Recovery Coverage from ERIE can spare you the time, expense and aggravation this sort of situation entails. Available for a low annual fee, Identity Recovery Coverage not only provides a trained case manager to assist you with the entire recovery process—it also reimburses you up to $5,000 in lost wages, certain legal fees and more.


Natasha Carey dec 14 16, 08:40
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