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Phishing Scams:

“Phishing” is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or any other kind of confidential personal information. Identity theft is the goal of this scam.

The phisher sends you a fraudulent email that is designed to look like it was sent from a reputable company. The email directs you to a website that looks like it belongs to the reputable company, but is actually a spoof. You are asked to “update” your information here, and if you do, all that personal information goes straight to the phisher. uses this information for identity theft purposes such as making withdrawals from your bank and credit card accounts, ordering new credit cards which they promptly max out, etc.

Some of the most recent phishing attacks have spoofed the email and websites of well known companies, including eBa, Paypal, Yahoo, Pfizer, Bank of America, among others.

Work-At-Home Scams:

These are some of the more tempting spam scams. They offer those who need to make extra money the opportunity to do so, and invariably the email will state: “no experience necessary.” The scammer often claims to have “inside information,” and tries to bait you with the lure of quick money for next to no effort. More often than not, you are asked to pay anywhere from $35 to several hundred dollars to purchase the kits or materials that will not earn you a dime.

This scam often offers opportunities involving handicrafts, stuffing envelopes or medical billing on your home PC. If you fall for this scam, pay the fees for the handicraft or envelop-stuffing “kit,” and complete the assembly of the crafts as instructed, you will be informed that your work is of poor quality and not worth paying for.

If you sign up for the medical billing “opportunity,” you will be asked to purchase a list of doctors. These doctors are either fictional or do not want or need your services and never did.

Credit Repair Scams:

These scams tell promise to erase real and usually correct negative information that has been added to you credit report, so that you can qualify for loans, mortgages, unsecured credit cards, etc.

These services rarely deliver on their promise, and more often than not, will create a great many more problems in the long run. They have even been know to suggest that you commit fraud e.g. falsifying your social security number.

Guaranteed loans on easy terms:

Some email scams offer guaranteed, unsecured credit, such as a home-equity loans that does not require equity in your home, or credit cards regardless of your credit history.
This offer of credit is often extended by an off-shore bank.

This scam is often executed in conjunction with a pyramid scheme, which will encourage you to make earn money by signing up friends and family to participate in the scheme.

The promised offer of a home equity loans turns out to be a useless list of
lenders who will turn you down if you don’t meet their qualifications. The promised credit cards never come through, and the pyramid money-making schemes invariably collapse.

Chain letters:

The spam email directs you to send a small amount of money to each of 4 or 5 names on a list, add your name to the top of the list and remove the last name on it, and then forward the updated list via bulk mail. Typically, the letter will claim the scheme is legal, and may refer to sections of US law as supporting proof of this. Not true.

These chain letters are almost always illegal, and nearly all those who participate in them lose their money.

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As spam filters get increasingly effective, spammers are changing their tactics to foil anti-spam software and get through to your inbox. Recently, this has involved a shift from the use of text-based spam to the use of embedded images and PDF file attachments as the preffered delivery method for their spammy intrusions.

Image Spam

The prevalence of this form of spam increased in 2006, primarily as a means for advertising penny stocks. It involved the use of a picture or graphic embedded in the body of the junk email. The junk email’s message is displayed as an image.

Because most anti-spam filters are text-based, image spam was relatively successful. This led to its use in advertising everything from sexual enhancement to fake pharmaceuticals.

One serious effect of image spam has had is to further clog up Internet bandwidth, and drive up costs to businesses. This is because the average size of each junk email almost doubled. In fact, this increased size and the sheer volume of image spam forced many businesses to block all emails that contained embedded or attached images.

By early 2007, image spam reached an all-time high, accounting for almost two-thirds of all junk email. However, as spam filter technology has adapted to detect image spam, its use has since declined to less than 15% of all junk email. Instead, spammers are turning to PDF spam

PDF Spam

Spammers are increasingly using PDF files to bear their spam messages. The practice begun in mid-2007, primarily as a scam to fool recipients into investing their money in the stock of a particular company.

With this type of spam, the junk email is sent out with a PDF file attachment, which most anti-spam filters cannot or do not read. These attachments range from rudimentary to professional-looking documents. The text in the body of the email is usually nonsensical gobbledygook that the spam-filter does not recognize as junk mail.

For the spammer, the use of PDF files is advantageous because PDF files are so commonly used in the business world. In fact, several companies allow or even require their business email systems to deliver these documents to the recipient. This makes it very likely that this PDF spam will reach the user’s inbox.

The use of junk mail with PDF attachments takes up even more Internet bandwidth. This is because PDF files are generally much larger than the embedded pictures and graphics used in image spam. Image spam is typically in GIF format; PDF files are upto 3 times the size of these files.

The upside to the use of image and PDF spam is that so far, there is no hard evidence that either one can be used to embed malicious software on the recipient’s computer. The only harm is done to those who do what the message says. Spammers have also begun to experiment with attachments in different file types such as excel and zip files.

The advent and decline of the different types of spam attest to the cat-and-mouse game that goes on between the spammers and the security experts. As anti-spam technology catches up to their techniques, they continue to innovate and change tactics to deliver their spam messages.

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Source:Protect your mac with Trend Micro's Smart Surfing for Mac!

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Source:Protect your mac with Trend Micro's Smart Surfing for Mac!

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It is virtually impossible to avoid having your email address end up on a spammer’s mailing list. You can, however, take steps to minimize the amount of spam that you receive. Here are to top five:

Address Munging

Never, ever post your permanent email address publicly online. Posting it on a website, on USENET, or in a guest book, for example, virtually guarantees that it will end up on a spammer’s emailing list.

If you absolutely have to supply an address, or regularly participate in online forums but do not want further communication, camouflage your address in some way. You can, for example, disguise your address by writing it in such a way that humans can read it, but the spammers automated programs cannot.

Example: instead of JaneDoe@ISP.com, add a blank space before and after the “@” sign, or use characters e.g. JaneDoe at ISP dot com.

This is reffered to as “address munging”. While address munging does not allow for a regular, clickable email link, anyone who really wants to contact you will figure it out the proper address.

If you have a website, provide a feedback form instead of giving your email address.

Sign up for an Alternative Email Addresses

Do not use your primary email address when placing an online order, getting a free download, or want to sign up for a newsletter or free service Get a secondary email address that you can use in these instances. You can open a free email account for this purpose. Email providers such as GMail and yahoo offer this free email service.

Reserve this email address specifically for this online activity – do not offer it to people from whom you want to receive email, as this will likely be lost in the deluge of junk mail.

Also, be sure to log into this account on a regular basis to delete the junk mail and avoid having the account closed. If you get over-spammed, just close this account and open a new one.

Choose an email address that cannot be easily guessed at. One method used by spammers to get email address is to generate a list of likely email addresses based on a combination of first names, last names and commonly used words. They may, for example build an emailing list that has variations of an address like JoelDoe1@hotmail.com, JoelDoe2@hotmail.com etc.
You can foil this spammer’s tactic by using a relatively long email address, for example 8 or more characters long. You should also avoid choosing email addresses that include either of your names. Use your initials instead, in combination with numbers, e.g. jtd1509@yahoo.com.

Beware the Phisher Spam

Phishing is a tactic used by spammers to scam you into giving up vital personal and financial information. Its sole purpose is identity theft.

Never divulge any personal or financial information that is requested in an email. Your bank or credit card company would never ask you to confirm or update your personal information via an email or a link in an email. Any such emails should be reported to the bank or credit card company. Never, ever click on any links in this type of spam.

Get a spam filter or spam blocker

Stop the spam dead in its tracks before it ever makes it into your inbox. Well, most of it at least. Though they are not 100% effective, anti-spam software will keep most of it out. Even if you only use the internet a spam filter will help protect you from spam.

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