Category Archives: Scams

Some People Cheat and Others Can’t. Why?

Sometimes cheaters do get caught. New York financier Bernie Madoff faces a possible life sentence after pleading guilty to 11 felony counts in one of history’s largest investment frauds. Unfortunately, this is just one of many recent stories about captains of industry and finance behaving badly with other people’s money. In fact there have been so many revelations like this recently, it’s enough to make the average tax-paying citizen wonder whether anyone actually plays by the rules any more. And if people who already have plenty of money can’t help skimming (or just hauling away wads of cash), it’s fair to ask how an ordinary person is supposed to resist the temptation to skim on their taxes or pad their time sheets at work when times are tight or even cheat on Facebook.

Bernie Madoff Guilty of Cheating

Bernie Madoff Guilty of Cheating

So why do some people cheat and others don’t? The classical explanation is that it’s a rational choice, a cold calculation of cost and benefit. Can I get away with it, and how much can I get away with before I risk getting caught? But some scientists have begun questioning this cynical view of human ethics and suggest that the decision is much more complex than this simple calculation.

Three psychologists recently decided to explore these knotty ethical questions in the laboratory. Francesca Gino of the University of North Carolina and Shahar Ayal and Dan Ariely of Duke University set up an elaborate hoax to see if they could actually make people cheat—in order to illuminate the psychological forces at work in the dishonest mind.

Here, briefly, is what they did: They asked a large group of university students to solve a set of complex math problems in a very short time. They made it hard enough that none could realistically solve all the problems, and they paid them for whatever ones they did solve. The math exercise was just a pretense for the real experiment: shortly after the students began on the math problems, one of them (actually a paid actor) loudly announced to the room: “I’ve solved everything. What should I do?” Everyone in the room knew this was impossible, so the student-actor was a clear example of blatant cheating. He also took all of the cash, as if he had a perfect score and—very important—left without any consequences. He might as well have gone online and done some Facebook cheating too. Jerk!

The idea was to see how many of the students followed the cheater’s example—to see if blatant dishonesty boosted cheating among students generally. And it did, dramatically. But the psychologists added another twist to the experiment: sometimes they had the actor wear the T shirt of a rival university, other times not. They wanted to see if the cheater’s group identity—classmate or outsider—influenced the level of copycat cheating. That is, would students cheat more (or less) when they saw a rival cheat, as compared to seeing a compatriot cheat?

The results were unambiguous. As reported in the March issue of Psychological Science, fellow classmates had much more influence than outsiders. Indeed, seeing a rival cheat actually lowered the level of overall cheating slightly—compared to students who simply cheated on their own initiative, without any prodding. These findings argue against the “cold calculation” theory of cheating. After all, if the students only weighed the can-I-get-away-with-it factor, then they would have been influenced equally by the successful cheating of both compatriot and outsider. And they weren’t.

The psychologists decided to double-check these findings with another small experiment. It was basically the same setup, but in this scenario the actor didn’t do anything; he simply asked out loud of the proctor: “Is it OK to cheat?” I know, stupid question. Nobody would really do that. But the idea was simply to nudge the inner moralist in the students’ minds, to bring the issues of cheating and dishonesty front and center. And when they did this, the students cheated noticeably less. No role models, good or bad, just priming the idea of unethical behavior—that was enough to keep the students honest.

So it appears our inner moralist doesn’t really want to cheat. Yet it also appears that dishonesty can be contagious—if we witness one of our own committing the public act of dishonesty. These findings point to a possible strategy for preventing a wave of unethical contagion. If cheating in general declines when cheaters are perceived as outlaws, then it should help to stigmatize public cheaters as just that—outlaws, bad apples. Of course, Bernie Madoff and the rest of Wall Street’s alleged fraudsters have already done a lot of that work for us.

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Merman fished out of the Caspian Sea

Fishermen claim to have spotted an amphibious creature resembling a human in the Caspian sea.

Gafar Gasanof, the captain of the Baku, an Azeri trawler, told Iranian newspaper Zindagi: “The creature was swimming a parallel course near the boat for a long time.

“At the beginning we thought it was a big fish, but then we spotted hair on the head of the monster and his fins looked pretty strange, the front part of his body was equipped with arms.”

According to the paper the ‘man of the sea’ has been spotted with increasing regularity since off-shore oil production began in the Caspian.

Eyewitness say the marine humanoid is about 5ft 6ins, of strong build with a protruding stomach, webbed hands and black-green hair.

His lower lip is said to join smoothly to his neck above the gills.

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Roman Polanski Wants the Sex with Minor Charges Dropped

Lawyers for Roman Polanski, a fugitive for 30 years in a notorious sex case involving a 13-year-old girl, filed a request Tuesday to dismiss the charge against him because of prosecutorial and judicial misconduct.

The motion alleges that a documentary about filmmaker released earlier this year revealed “a pattern of misconduct and improper communications” between the district attorney’s office and the judge in Polanski’s case.

“This case serves as a classic example of how our justice system can be abused, and defendants’ rights trampled, by an unholy alliance between courts and criminal prosecutors,” said a statement from attorneys Chad Hummel and Brad Dalton. Dalton is the son of attorney Doug Dalton, who represented Polanski in the original case.

Poland-born Polanski, 75, has been living in France in self-imposed exile from the United States since fleeing in 1978 after pleading guilty to having sex with a 13-year-old girl in Los Angeles. He was initially indicted on six felony counts and faced up to life in prison. Instead, he pleaded guilty to one count of unlawful sexual intercourse with a minor and five other counts were dismissed.

Polanski, who had already been incarcerated for a psychological diagnosis, skipped sentencing that would have sent him back to prison and fled to France. The judge issued a warrant for his arrest that is still in effect. The maximum sentence was 50 years, although prosecutors had said at the time that the typical sentence was 16 months to three years in prison.

Find Out the Secrets Why Companies Use Rebates

Rebates are a marketing tool used by manufacturers to increase sales, by lowering the cost of a product in the eyes of a customer, without actually dropping the price on the shelf. The company makes available a rebate for those buying the product, let’s say, $20. You buy the product, send the company the filled-out rebate form and proof of purchase, and they mail you a check for $20. Simple, right? Read on.

You might (rightly) ask yourself: if a company wants to increase its sales of a product by dropping the price $20, why don’t they just drop the price by $20? Isn’t it the same thing? Wouldn’t it be easier for the company to do than dealing with the rebate forms and mailing checks and whatnot? The answer to this question becomes obvious when you consider this: there are companies that sell items that cost $X and have an $X rebate (often seen for media such as floppy disks, or low-end components like cheap keyboards). The net cost to you is zero, yet, you almost never see companies just giving away stuff for free in the store! Clearly there is a big difference between rebates and “just dropping the price”.

Some of the reasons why companies use rebates are practical in nature. If a company wants to run a temporary promotion, it’s a lot easier to use a rebate than it is to drop the price and then raise it again: customers react poorly to price rises. It’s also arguably less work for the retailers that sell the product. But the main reason for using rebates instead of dropping prices is that when you drop the price of something, that money is automatically and immediately lost for each and every item sold, while rebates never result in all of the money being lost to the company.

The most important reason for this is simply human nature: a surprising percentage of rebates never are redeemed. Let’s say a customer goes to a store and sees a product he wants that costs $100 and has a $20 rebate. Immediately, the customer says to himself “Wow, what a deal! Only $80!”. In the customer’s mind the product only costs $80. He pays $100 at the checkout, and then takes the item home and starts using it. In his mind, he has only paid $80, and he feels satisfied; but in fact, he’s paid $100! Most rebate forms are relatively easy to fill out, but they still take time to do, and many people forget about them, or lose the form, or wait too long to submit the claim (since they are always time-limited). I don’t know the exact percentage of rebates that go unfilled, but I wouldn’t be surprised if it approached or even exceeded 50%. For all of these sales, the manufacturer gets the full price while getting sales as if the price had been lowered.

Another reason is due to a concept called float: from the time that the manufacturer gets the money for the product you purchased, until the time you cash the rebate check, the rebate money is the company’s. They can use it as they see fit, even for something as simple as letting it sit and earn interest. Many people take weeks to fill out and send in the rebate form, and then most companies take weeks to months to send back the check. In some cases the company gets the use of the money for close to half a year.

Combine the two factors above and you can see why companies use rebates, especially for “free” items. The worst part, unfortunately, is that there’s another catch with rebates: some dishonest companies don’t honor them. You send in the form, you wait the specified number of weeks, and the check never comes at all. This isn’t common, but it definitely happens. Also, some rebates get lost in the mail, or are sent to the wrong address, resulting in problems even with honest firms.

Due to the hassles involved, and the risk of never getting the money, some folks eschew rebates completely. Frankly, I think that’s throwing the baby out with the bathwater. Here are my suggestions for having success with rebates:

  • Don’t Count Your Chickens: Be careful when buying an item based on the “net” price after the rebate. If you aren’t going to be meticulous about sending in the rebate form, just shop based on what the item costs out of pocket. Consider any rebate you get a “bonus”. Of course, if you do manage your rebates properly, you might make a better buying decision by figuring in the rebate.
  • Don’t Procrastinate: Fill out the rebate form and submit it immediately. If you wait, you’re far more likely to lose the form or miss the deadline, and you are extending the period of time that the company gets to use your rebate money.
  • Watch The Dates: It’s common to find items on a shelf that have a rebate sticker on them that has already expired! You buy the item thinking you will have a rebate, get the box home and whoops! You lose
  • Watch Your Receipt: Some companies want the original receipt from the vendor, while others will accept a photocopy. Sending away your original receipt is never a good idea unless you are sure you won’t want to return the item. If you must, at least keep a photocopy of the receipt. Even better, ask the cashier for a duplicate receipt if you know you have bought an item with a rebate.
  • Look For A Toll-Free Number: Better companies have an 800 number you can use to inquire if you don’t receive your rebate in the designated delivery timeframe. Keep a record of this number and use it if the rebate doesn’t arrive on time. Avoid rebates that have no number you can call to inquire.
  • Keep Records: For each rebate, keep a record of the item purchased, the date purchased, the store, the amount of the rebate, how long the rebate is supposed to take for delivery (and thus the expected due date) and the 800 number to call if it doesn’t show up. Sure, this is a bit more work, but it will help you ensure that you don’t let any rebates “slip through the cracks”, and will also let you see which companies you’ve had good or bad luck with in the past. I use a simple spreadsheet.
  • Avoid Bad Companies: Most companies are honest (if a bit slow) about their rebates; a few bad apples are notorious for not honoring them. Use the research resources to investigate if the company you are considering has a good track record.
  • Count The Cost Of Your Time: If a small item has a $1 rebate, and it takes you 15 minutes to fill out the form, photocopy a receipt, get an envelope, address it, stamp it and label it, you have valued your time at $4 per hour. If the rebate is $20, it’s a bit different of course!

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McGruff the Crime Dog is Going Digital

McGruff the Crime Dog is going digital. The 26-year-old mascot is the centerpiece of the National Crime Prevention Council’s new campaign to “Take a Bite Out of Cyber Crime.” The Web site ByteCrime.org, formally launched Wednesday, offers a free, 36-page online brochure with tips.

“The message remains the same: Do your part to prevent crime before it occurs,” said Ann Harkins, the council’s vice president for programs. “You start with lights, locks and alarms to protect your home. Now the equivalent is security to keep the bad guys out in cyberspace.”

On the site, McGruff challenges people to immunize their computers by installing anti-virus, firewall and other software. Discounts and free 30-day trials are offered through a partnership with security vendor McAfee Inc.

The brochure, aimed at individuals and small businesses, covers a variety of dangers online — from malware to sexual predators — and the tools and techniques available for protection. It also addresses special situations, such as surfing the Web from public terminals at cybercafes or telecommuting into office networks.

How a Superdollar is Made. A Counterfeit’s Secret

A superdollar is an almost perfect counterfeit American dollar bill. Although some would think the $2 bill is a counterfeit. ;)
Millions of dollars of the fake cash have been passed into circulation since its existence was first noticed over a decade ago.

The money, officially known as Note Family – C14342, is thought to originate from communist North Korea.

Experts believe that the money is being produced and flooded into the system, mostly by North Korean diplomats as they travel abroad. It is also circulated by criminals – with the Russian mafia and even Republican organisations in Northern Ireland involved in the distribution process. One school of thought is that it is part of a plan to try to destabilise the American economy by putting millions and millions of dollars into the system. Continue reading

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Do Not Knock Massachusetts Bill Going to Vote Today

Do Not Knock list proposed by Massacusetts lawmakers here to push for a bill that would allow residents to sign up for a do-not-knock list keeping solicitors off their property.

The legislation also would require background checks on sales crews.

Representative Cleon Turner of Yarmouth says the bill is intended to make people feel safer and less vulnerable to the aggressive tactics of some door to door solicitors.

In cities and towns that vote to adopt the proposal, police departments would maintain the resident database, as well as a list of door-to-door sellers. The bill would exempt political activists, religious organizations and nonprofits such as Boy Scouts.

Under the bill, sales crews who don’t register with police departments would face fines of up to $5,000. A special provision to protect senior citizens, who Turner says are particularly vulnerable to intimidation, says a salesman who solicits on the property of a person 65 or older on the list cannot be fined less than $1,500.

A spokeswoman at the Massachusetts chapter of the American Civil Liberties Union wasn’t able to immediately comment as she had not seen the proposed legislation.

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Protect Yourself on the Internet

The Internet has changed so much in the last few years. I can remember not to long ago when a person could safely chart his course through the Internet safely and easily, but now the Internet has changed for the worse for the uninformed user. Today, the Internet is full of spy ware, Internet hijackers, dialers and online stalkers. So what can we do to curve the possibilities of being overtaken with these nasty Internet bugs?

The first thing and most important is never ever open an email attachment sent from an unknown address. These types of attachments can deliver nasty things like spy ware, email viruses, and other things, which are not good for our computers. Continue reading

I Know Who You’re Talking to on Your Cell Phone

Your Cell Phones records can be purchased from a website for only $50 such as BestPeopleSearch.com

A U.S. congressman said Friday that federal agencies were looking into whether telephone companies were sufficiently protecting consumers’ records amid concerns that Internet sites were selling cellphone call information.

Rep. Edward Markey, a Democrat from Massachusetts, said the chairman of the Federal Communications Commission (FCC) told him the agency was investigating whether phone companies were adequately protecting consumer records. He said in a statement “the FCC and the Federal Trade Commission were coordinating efforts to combat this rising fraud.”

In November, Markey asked the FTC and the FCC to investigate what he said was a violation of private consumer information and to take steps to protect consumers. Continue reading

Piece of Plymouth Rock is offered on eBay

There are Plymouth Rock commemorative plates. Plymouth Rock salt and pepper shakers. A Plymouth Rock woolen rug. Even a 49-year-old volume of ”The Bobbsey Twins at Plymouth Rock.”

The eBay website abounds with kitschy knickknacks celebrating the hunk of granite at the edge of Plymouth Harbor, where the Mayflower Pilgrims supposedly landed in 1620. But soon, in an auction scheduled to last from this Thursday to Thanksgiving, buyers on the giant Internet auction site will be able to buy an actual piece of the Rock or so a seller from Cape Cod said. Continue reading

Clerks 2: Silent Bob is Forever Silent?

Hey anyone know where I can get some Clerks 2 Ringtones or Jay and SIlent Bob ringtones?

Writer/director Kevin Smith is currently in production on the sequel to the indie cult smash hit film Clerks. As you may know, he’s been documenting the whole experience with video diaries (two a week actually). Well this week’s videos hit that web only to have fanboys shocked to discover a storyboarded sequence featuring the funeral for beloved View Askew character Silent Bob. Will Silent Bob die in Clerks 2?

According to fans, a Silent Bob statue appears in the storyboards engraved with “FOREVER SILENT“. Within a few hours, the video in question entitled “The Boards,” was mysteriously removed from the website (Clerks2.com).

Also revealed in the video were storyboards for a space battle sequence: “Yeah, yeah, like in Battlestar Galactica.” So could this whole video be a joke by funny man Smith? Or could these storyboards be part of a big budget dream sequence? Or will Silent Bob really bite the big one? And if not, why was the video removed from the website?

I guess we’ll have to wait to find out..

Mallrats (10th Anniversary Extended Edition)

Ashlee Simpson to Perform on Oprah

Ashlee Simpson to Perform on Oprah
Friday August 26 6:50 AM ET

Ashlee Simpson, who was busted for a “Saturday Night Live” lip-synch gone awry, will perform on “The Oprah Winfrey Show” this fall, says her manager-father, Joe Simpson.

Earlier in the week, Simpson had confirmed reports that Ashlee was in negotiations for a return to NBC’s “SNL,” where she was caught using background vocals last October.

The 20-year-old singer’s mishap was attributed to acid reflux disease.

“We are going to push `SNL’ back because we are doing `The Oprah Winfrey Show’ for one hour,” Simpson told “Access Hollywood” on Wednesday. “(`Oprah’) is going to be the first interview and the first place where Ashlee sings.”

Ashlee’s new album, “I Am Me,” is set for release Oct. 18.

“We are working on the date” to appear on “Oprah,” her manager-father said, “but it’s going to be right before the release of the record. It’s in the second or first week of October.”

Millions and Millions are Affected by Spyware

A new Pew Internet Project report shows that about 93 million American internet users (68% of them) have had computer trouble in the past year that is consistent with problems caused spyware and viruses, though 60% of those who had problems were not sure where the problem originated.

Some 25% of internet users have seen new programs on their computers that they did not install or new icons on their desktop that seemed to come out of nowhere. One in five internet users (18%) have had their homepage inexplicably changed.

The report, written by PIP’s Associate Director Susannah Fox, says that those who have broadband connections at home and those who range far and wide online are among those most vulnerable to spyware. Some of the most risky online behaviors that seem to attract spyware are downloading peer-to-peer services and swapping files over them, visiting adult Web sites, and playing online games.
Continue reading

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