SWINDLERS ARE CALLING

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SWINDLERS ARE CALLING
8 THINGS You Should Know About Telemarketing Fraud
1 Most telephone sales calls are made by legitimate
businesses offering legitimate products or services.
But wherever honest firms search for new customers, so do
swindlers. Phone fraud is a multi-billion dollar business that
involves selling everything from bad or non-existent
investments to the peddling of misrepresented products and
services. Everyone who has a phone is a prospect; whether you
become a victim is largely up to you.
2 There is no way to positively determine whether a sales
call is on the up and up simply by talking with someone on
the phone.
No matter what questions you ask or how many you ask,
skilled swindlers have ready answers. That's why sales calls
from persons or organizations that are unknown to you should
always be checked out before you actually buy or invest.
Legitimate callers have nothing to hide.
3 Phone swindlers are likely to know more about you than you
know about them.
Depending on where they got your name in the first place,
they may know your age and income, health and hobbies,
occupation and marital status, education, the home you live in,
what magazines you read, and whether you've bought by phone in
the past.
Even if your name came from the phone book, telephone con
men (and women) assume that, like most people, you would be
interested in having more income, that you're receptive to a
bargain, that you are basically sympathetic to people in need,
and that you are reluctant to be discourteous to someone on the
phone. As admirable as such characteristics may be, they help
make the swindler's job easier. Swindlers also exploit less
admirable characteristics, such as greed.
4 Fraudulent sales callers have one thing in common: They
are skilled liars and experts at verbal camouflage.
Their success depends on it. Many are coached to "say
whatever it takes" by operators of the "boilerrooms" where they
work at rows of phone desks making hundreds of repetitious
calls, hour after hour. The first words uttered by most victims
of phone fraud are, "the caller sounded so believable..."
5 Perpetrators of phone fraud are extremely good at sounding
as though they represent legitimate businesses.
They offer investments, sell subscriptions, provide
products for homes and offices, promote travel and vacation
plans, describe employment opportunities, solicit donations,
and the list goes on. Never assume you'll "know a phone scare
when you hear one." Even if you've read lists of the kinds of
schemes most commonly practiced, innovative swindlers
constantly devise new ones.
6 The motto of phone swindlers is, "just give us a few good
'mooches,'" one of the terms they use to describe their
victims.
Notwithstanding that most victims are otherwise
intelligent and prudent people, even boilerroom operators
express astonishment at how many people "seem to keep their
checkbooks by the telephone!" Sadly, some families part with
savings they worked years to accumulate on the basis of little
more than a 15-minute phone conversation -- less time than
they'd spend considering the purchase of a household appliance.
7 The person who "initiates" the phone call may be you.
It's not uncommon for phone crooks to use direct mailings
and advertise in reputable publications to encourage prospects
to make the initial contact. It's another way swindlers imitate
the perfectly acceptable marketing practices of legitimate
businesses. Thus, just because you may have written or phoned
for "additional information" about an investment, product, or
service doesn't mean you should be any less cautious about
buying by phone from someone you don't know.
8 Victims of phone fraud seldom get their money back -- or,
at best, no more than a few cents on the dollar.
Despite efforts of law enforcement and regulatory agencies
to provide what help they can to victims, swindlers generally
do the same thing other people do when they get money: they
spend it!
9 TIP-OFFS
That a Caller Could be a Crook
1 High-pressure sales tactics.
The call may not begin that way, but if the swindler
senses you're not going to be an easy sale, he or she may shift
to a hard sell. This is in contrast to legitimate businesses,
most of which respect an individual's right to be "not
interested."
High-pressure sales tactics take a variety of forms but the
common denominator is usually a stubborn reluctance to accept
"no" as an answer. Some callers may resort to insult and
argument, questioning the prospect's intelligence or ability to
make a decision, often ending with a warning that "you're going
to be very sorry if you don't do such and such." Or, "you'll
never get rich if you don't take a chance."
2 Insistence on an immediate decision.
If it's an investment, the caller may say something like,
"the market is starting to move even as we talk." For a product
or service, the urgency pitch may be that "there are only a few
left" or "the offer is about to expire." The bottom line is
that swindlers often insist that you should (or must) make your
decision right now. And they always give a reason.
3 The offer sounds too good to be true.
The oldest advice around is still the best: "An offer that
sounds too good to be true probably is." Having said this,
however, you should be aware that some phone swindlers are
becoming more sophisticated. They may make statements that
sound just reasonable enough (if only barely) to keep you from
hanging up. Or they may make three or four statements you know
to be true so that when they spring the big lie for what
they're selling, you'll be more likely to believe that, too.
That's where the verbal camouflage comes in.
4 A request for your credit card number for any purpose
other than to make a purchase.
A swindler may ask you for your credit card number -- or,
in the most brash cases, several credit card numbers -- for
"identification," or "verification" that you have won
something, or merely as an "expression of good faith" on your
part. Whatever the ploy, once a swindler has your card number
it is likely that unauthorized charges will appear on your
account.
5 An offer to send someone to your home or office to pick up
the money, or some other method such as overnight mail to
get your funds more quickly.
This is likely to be part of their "urgency" pitch. It
could be an effort to avoid mail fraud charges by bypassing
postal authorities or simply a way of getting your money before
you change your mind.
6 A statement that something is "free," followed by a
requirement that you pay for something.
While honest firms may promote free phone offers to
attract customers, the difference with swindlers is that you
generally have to pay in some way to get whatever it is that's
"free." The cost may be labeled as a handling or shipping
charge, or as payment for an item in addition to the "prize."
Whatever you receive "free" -- if anything -- most likely will
be worth much less than what you've paid.
7 An investment that's "without risk."
Except for obligations of the U.S. Government, all
investments have some degree of risk. And if there were any
such thing as a risk-free investment with big profits assured,
the caller certainly wouldn't have to dial through the phone
book to find investors!
8 Unwillingness to provide written information or references
(such as a bank or names of satisfied customers in your
area) that you can contact.
Swindlers generally have a long list of reasons: "There
isn't time for that," or "it's a brand new offer and printed
material isn't available yet," or "customer references would
violate someone's privacy." Even with references, be cautious,
some swindlers pay off a few customers to serve as references.
The caller may also be reluctant to answer questions by
phone -- such as inquiries about the firm or even how and where
you can contact the firm. The swindler may insist on contacting
you "for your convenience."
9 A suggestion that you should make a purchase or investment
on the basis of "trust."
Trust is a laudable trait, but it shouldn't be dispensed
indiscriminately -- certainly not to unknown persons calling on
the phone and asking that you send them money. Even so, "trust
me" is a pitch that swindlers sometimes employ when all else
fails.
10 WAYS
To Avoid Becoming a Victim
1 Don't allow yourself to be pushed into a hurried decision.
No matter what you're told to the contrary, the reality is
that at least 99 percent of everything that's a good deal today
will still be a good deal a week from now! And the other one
percent isn't generally worth the risk you'd be taking to find
out.
There may be times when you'll want to make a prompt
decision, but those occasions shouldn't involve an irrevocable
financial commitment to purchase a product or make an
investment that you're not familiar with from a caller that you
don't know. And purchase decisions should never be made under
pressure.
2 Always request written information, by mail, about the
product, service, investment or charity and about the
organization that's offering it.
For legitimate firms, this shouldn't be a problem.
Swindlers, however, may not want to give you time for adequate
consideration, may not have written material available, or may
not want to risk a run-in with legal or regulatory authorities
by putting fraudulent statements in writing.
Also insist on having enough time to study any information
provided before being contacted again or agreeing to meet with
anyone in person. Some high-pressure telephone sales calls are
solely for the purpose of persuading you to meet with an even
higher-pressure sales person in your home!
3 Don't make any investment or purchase you don't fully
understand.
A beauty of the American economy is the diversity of
investment vehicles and other products available. But it's a
diversity that includes the bad as well as the good. Unless you
fully understand what you'd be buying or investing, you can be
badly burned. Swindlers intentionally seek out individuals who
don't know what they are doing! They often attempt to flatter
prospects into thinking they are making an informed decision.
4 Ask what state or federal agencies the firm is regulated
by and/or is required to be registered with.
And if you get an answer, ask for a phone number or
address that you can use to contact the agency and verify the
answer yourself. If the firm says it's not subject to any
regulation, you may want to increase your level of caution
accordingly.
5 Check out the company or organization.
If you assume a firm wouldn't provide you with
information, references, or regulatory contacts unless the
information was accurate and reliable, that's precisely what
swindlers want you to assume. They know that most people never
bother to follow through. Look at it this way: Most victims of
fraud contact a regulatory agency after they've lost their
money; it's far better to make the contact and obtain whatever
information is available while you still have your money.
6 If an investment or major purchase is involved, request
that information also be sent to your accountant,
financial advisor, banker, or attorney for evaluation and
an opinion.
Swindlers don't want you to seek a second opinion. Their
reluctance or evasiveness could be your tip-off.
7 Ask what recourse you would have if you make a purchase
and aren't satisfied.
If there's a guarantee or refund provision, it's best to
have it in writing and be satisfied that the business will
stand behind its guarantee before you make a final financial
commitment.
8 Beware of testimonials that you may have no way of
checking out.
They may involve nothing more than someone being paid a
fee to speak well of a product or service.
9 Don't provide personal financial information over the
phone unless you are absolutely certain the caller has a
bona fide need to know.
That goes especially for your credit card numbers and bank
account information. The only time you should give anyone your
credit card number is if you've decided to make a purchase and
want to charge it. If someone says they'll send a bill later
but they need your credit card number in the meantime, be
cautious and be certain you're dealing with a reputable
company.
10 If necessary, hang up.
If you're simply not interested, if you become subject to
high-pressure sales tactics, if you can't obtain the
information you want or get evasive answers, or if you hear
your own better judgment whispering that you may be making a
serious mistake, just say good-bye.
SWINDLERS ARE CALLING
is prepared as a service to the public by:
National Partners Association
Public Affairs and Education
200 West Madison Street
Suite 1600
Chicago, Illinois 60606-3447
800-621-3570
800-572-9400 (in Illinois)
in association with:
Commodity Futures Trading Commission
2033 K Street, N.W.
Washington, DC 20581
Federal Trade Commission
6th & Pennsylvania Avenue, N.W.
Washington, DC 20580
Alliance Against Fraud in Telemarketing
c/o National Consumers League
815 15th Street, N.W.
Suite 516
Washington, DC 20005
202-639-8140
HANDY FIRST AID TIPS
When someone is injured or suddenly becomes ill, there is
usually a critical period before you can get medical treatment and it
is this period that is of the utmost importance to the victim. What
you do, or what you don't do, in that interval can mean the
difference between life and death. You owe it to yourself, your
family and your neighbors to know and to understand procedures that
you can apply quickly and intelligently in an emergency. Every
household should have some type of first aid kit, and if you do not
already have one, assemble your supplies now. Tailor the contents to
fit your family's particular needs. Don't add first aid supplies to
the jumble of toothpaste and cosmetics in the medicine cabinet.
Instead, assemble them in a suitable, labeled box (such as a fishing
tackle box or small took chest with hinged cover), so that everything
will be handy when needed. Label everything in the kit clearly, and
indicate what it is used for.
Be sure not to lock the box - otherwise you may be hunting
for the key when that emergency occurs. Place the box on a shelf
beyond the reach of small children, and check it periodically and
always restock items as soon as they are used up.
Keep all medications, including non-prescription drugs such
as aspirin, out of reach of children. When discarding drugs, be sure
to dispose of them where they cannot be retrieved by children or
pets.
When an emergency occurs, make sure the injured victim's
airway is not blocked by the tongue and that the mouth is free of any
secretions and foreign objects. It is extremely important that the
person is breathing freely. And if not, you need to administer
artificial respiration promptly.
See that the victim has a pulse and good blood circulation as
you check for signs of bleeding. Act fast if the victim is bleeding
severely or if he has swallowed poison or if his heart or breathing
has stopped. Remember every second counts.
Although most injured persons can be safely moved, it is
vitally important not to move a person with serious neck or back
injuries unless you have to save him from further danger. Keep the
patient lying down and quiet. If he has vomited and there is no
danger that his neck is broken, turn him on his side to prevent
choking and keep him warn by covering him with blankets or coats.
Have someone call for medical assistance while you apply
first aid. The person who summons help should explain the nature of
the emergency and ask what should be done pending the arrival of the
ambulance. Reassure the victim, and try to remain calm yourself.
Your calmness can allay the feat and panic of the patient.
Don't give fluids to an unconscious or semiconscious person;
fluids may enter his windpipe and cause suffocation. Don't try to
arouse an unconscious person by slapping or shaking.
Look for an emergency medical identification card or an
emblematic device that the victim may be wearing to alert you to any
health problems, allergies or diseases that may require special care.
HOW TO PROTECT YOUR HOME FROM INTRUDERS
SAFETY AT YOUR FRONT DOOR
1. Never automatically open your front door. Make sure you know
your caller's identity before admitting him.
2. If the person at your door is a stranger, ask for
identification to be passed under the door. If he is unable to
do this, do not admit him.
3. It is advisable to have a wide angle viewer (peep-hole) in
the door so that you can check a person's identity without
unlocking your door.
HOME SAFETY
1. All doors in your home leading to the outside should have
deadbolt locks.
2. When away at night, leave a light burning.
3. Do not leave a key over a door or under a mat.
4. The single lock on a garage door is inadequate to keep
intruders from prying up the opposite side and crawling in. Use
a padlock. But never leave it unlocked. This is an invitation
to have the padlock removed so that a key can be made, and the
lock returned to its position. Later, the burglar returns when
no one is home and enters at his leisure, using "his" key.
5. Mark your valuables and keep an accurate record of all your
most valuable possessions.
6. When leaving on a trip:
A. Stop all deliveries.
B. Connect a light to a timer.
C. Notify the police and have a neighbor check your home
periodically.
D. Have someone maintain your lawn.
7. Be a concerned neighbor. If you see a suspicious person, car
or situation, contact the police.
SAFETY FOR THE APARTMENT DWELLER
1. If you live in an apartment building with an intercom system
to the front door, make sure the landlord keeps it in operating
order.
2. Never admit anyone unless you are expecting him or know him.
3. Never admit anyone to the building who is there to see
another tenant or to deliver something to another apartment.
4. Anyone asking admission so that he can do some work for
another tenant should not be admitted, but should be referred to
the building's manager.
5.If you see someone in your building who looks out of place or
is acting suspiciously, contact the police.
HOW TO PROTECT YOURSELF ON CITY STREETS
Street crime is on the increase in most large U.S. cities. It
is also becoming more prevalent in small communities. The
following list of "safeguards" will help protect you - and may
even save your life!
1. When leaving home, make sure that all doors and windows are
locked - including the garage door.
2. Watch for loiterers and do not carry large sums of money.
3. If possible, travel with another person. This is especially
true after dark.
4. When carrying a purse, women should have only 3 or 4 one
dollar bills placed inside. Credit cards, currency, driver's
license, keys and jewelry should be carried in a coat or sweater
pocket or concealed on your person to reduce the opportunity of
large losses. If you do carry a purse, don't wrap the strap
around your shoulder, neck or wrist. If your purse is grabbed,
a strong strap will not yield easily and you may be injured.
Some purse-snatch victims have been thrown off balance and
received concussions, broken hips, arms or legs. Don't carry
anything more valuable than you can afford to lose. Always
leave all unnecessary credit cards at home. When you shop and
carry a purse, put it in your shopping bag.
5. At night, travel only well-lighted and well-traveled streets.
Avoid unlighted areas. Walk in the middle of the sidewalk and
never loiter in deserted areas.
6. Never hitchhike or accept rides from strangers.
7. Walk on the side of the street nearest to oncoming traffic.
If accosted by someone in a car, run in the direction opposite
the way the car is headed.
8. Beware of people who approach asking directions; keep a
polite but safe distance.
9. A good suggestion for men is to carry a second wallet
containing a few $1.00 bills and old expired credit cards, which
are normally destroyed or discarded. If confronted at knife or
gunpoint, give the suspect the second wallet and concentrate on
a good physical description to help the police in making the
arrest.
10. Upon returning home, particularly after dark, do not linger
at the entrance of your residence. Make a quick check for mail
or newspapers, and enter immediately. If you feel something is
strange, don't enter but go elsewhere and call for police
assistance.
11. If you feel someone is following you, go to the nearest
occupied residence or building, and ask for assistance.
If you are confronted with a dangerous situation, cry out for
assistance. Yelling "FIRE! FIRE!" instead of "HELP!" will
generally bring faster attention.
HOW TO PROTECT YOUR VALUABLES FROM THEFT
One of the most effective tools you can use to retrieve property
stolen from your home is a simple electric engraving pen. With
this pen you can inscribe your name or a number on the most
valuable items in and around your home. Before you do this,
check with local police to see which they prefer you use - your
name, driver's license number, social security number or
whatever.
Engraving your name or number on your valuables helps deter
robbery in two ways: First, you discourage the thief since
marked property is much more difficult to sell. Second, if a
thief does steal your property, it is much easier to catch and
prosecute him when he is discovered with goods in his possession
that are easily identifiable as stolen.
Billions of dollars worth of property stolen each year is never
returned to owners. Why? Because without some identifying mark
or number, the police are unable to verify stolen property, or
trace the owner. More than half the property recovered by the
police is eventually auctioned off or destroyed because the
goods have no identifying characteristics.
In some cities, local law enforcement agencies will lend you and
your neighbors an engraving pen free. In these communities, you
may borrow an engraving tool for several days. If this service
is not available to you, you can purchase an inexpensive
electric pen from your local hardware store for as little as $10
to $15. This small investment could be worth a great deal more
to you at a later date.
Items already marked with a serial number - such as cars, TV's,
cameras, typewriters, radios, stereos, tape decks, appliances,
etc. - may not have to be engraved with your name or personal
number. Check with local police first. If they recommend you
inscribe your identifying mark on serialized items, inscribe
this information just above the manufacturer's serial number.
On unserialized property, inscribe your name or number on the
upper right corner of the rear or backside of each item. Should
you decide to sell or discard the item at a later date, you
should invalidate your number by using the engraving pen or any
sharp tool to draw a single line through your name or number
form upper left to the lower right hand corner. Do not deface
your name or number in any other way. It is also advisable,
when selling "marked" property, to write out a simple receipt
and specifying on it that you were the previous owner and
摘要：

SWINDLERSARECALLING8THINGSYouShouldKnowAboutTelemarketingFraud1Mosttelephonesalescallsaremadebylegitimatebusinessesofferinglegitimateproductsorservices.Butwhereverhonestfirmssearchfornewcustomers,sodoswindlers.Phonefraudisamulti-billiondollarbusinessthatinvolvessellingeverythingfrombadornon-existent...

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