Consumer Scam Report—Making The Web A Safer Place

Author: admin  //  Category: Consumer Scam Reports

Have you been scammed recently or become a victim of an online fraud? You are one of the thousands of web users who, despite liberal warnings issued on the net, still fail to recognize a scam. Consumer Scam Report online is a site designed to help victims like you reports these instances to the online community so that everyone is alerted to the existence of such online scams.

The objective of Consumer Scam Report online is to alert not only the online community but also the regulatory authorities about the possibility of scammers striking again at unsuspecting victims. It is important to report your experiences so that others do not face the same fate as you because online scammers usually use the same modus operandi a few times before switching plans.

Most of us fall for scams because they look like they are in our best interests. We usually respond quickly when we are asked for our bank account details and secured information when told that it is to ensure their security. Scammers could make great psychologists because they can read our minds like a book and know exactly how we will respond on impulse.

It is important to educate the online community about the newer methods and strategies adopted by scammers to reach your account or to gyp money from you. Consumer Scam Report is the forum that allows victims to report such instances and alert others to the presence of scammers. Web users must realize that the simple way to avoid getting gypped is to stop sharing personal information online. Never provide credit card numbers or social security numbers as reference for an account or to create a security system as no legitimate organization will ever ask for these details.

Consumer Scam Report is the best site to report and learn about online scams and how to avoid them in the future. Visit us to know how we can help you use the web in a better, more secure manner.

Los Angeles Search Engine Optimization Company

Keith Lane Creative Group Launches Website for ?The Loco Life of Doctor Taco?

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Keith Lane Creative Group Launches Website for “The Loco Life of Doctor Taco”












Boston, MA (PRWEB) March 06, 2014

Author (and doctor) Irv Danesh hired the services of veteran creative agency, Keith Lane Creative Group, to design and rebrand his book, “The Loco Life of Doctor Taco.” Upon the completion of the vivacious cover art, Danesh further enlisted KLCG to build out his online presence with a new website focused on promoting the novel.

Danesh hired the Boston based creative marketing firm due to the impressive portfolio and track record the agency has to its credit when it comes to innovatively marketing and advertising products and ideas. KLCG’s principal, Keith Lane, has driven the creative direction for such clients as Fox Sports, Puma, the National Hockey League, the Boston Celtics, Major League Soccer, Comcast Sports, Honey Dew Donuts, and Lids. Danesh knew that KLCG could propel the vision he had for his book to the next level and get the text in front his target audience worldwide.

“I’m blown away by the site,” said Danesh. “It’s incredibly well thought out and designed, and it’s even more eye-catching and telling than I had even thought possible in my own initial internal ideas for what I thought an effective site would, or could be.”

What’s “The Loco Life of Doctor Taco” about?

The story is about Sam Cohen, who leaves his family and the girl he loves to go to medical school in Mexico – due to his inability to qualify for American medical schools – and gets the education of a lifetime. Along with a cadre of expat pre-med friends, Sam’s eyes are opened to the strange realities of life, business, justice south of the border, and the truth about the American medical establishment.

Besides “primitive” classes and life or death ER experiences, Sam’s curriculum includes scamming, smuggling, prostitution, grave-robbing, alligator hunting, drinking, and finally growing up.

Check it out here: http://www.doctortacobook.com.

*****

“I’m pleased to have been given the opportunity to generate a creative digital marketing plan for Dr. Danesh,” said Lane. “Like the book, I wanted the visual component of his book jacket and website to be over-the-top loco. The goal is to get eyes to stick to the graphic element and get them to turn the pages. That’s where the meat of this story really is, and where I drew my inspiration from when it came to marketing his story in a way that keeps the plot moving, and pushes the book into the clutches of American culture.”

For more information on Keith Lane Creative Group visit: http://www.keithlanecreativegroup.com.

For interviews and all other applicable media requests, please contact: pr(at)boldwerks(dot)com.













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Scambook Recommends Six Tips to Keep IP Camera Hackers from Gaining Access to Your Home Videos

Author: admin  //  Category: Scam Reports

Scambook Recommends Six Tips to Keep IP Camera Hackers from Gaining Access to Your Home Videos












Los Angeles, CA (PRWEB) September 18, 2013

Internet Protocol cameras (IP cameras) have been enabling consumers to gain live Internet video streams of their home, office, pets, and even children. Although these video feeds are meant to be private, Scambook is issuing a warning that hackers may be able to gain access to these cameras to spy on consumers and their families.

“It’s important to research an IP camera’s privacy protection before broadcasting any sort of content over the web. Live Internet video streams can give hackers access to important knowledge such as when homes are unoccupied, which could lead to break-ins or other damage,” says Scambook’s Director of Marketing Kase Chong.

Scambook recommends the following four tips to make sure IP cameras are secure from hackers:

1.    Before Buying, Read the Box: It’s important to purchase a camera that encrypts its video data so that only authorized users can view the video feed.

2.    Use a Secure Internet Connection: Secure Internet connections needs to be used when transmitting video feeds. A camera should support current wireless security protocols as well, such as WPA 2 (Wi-Fi Protected Access 2)

3.    Secure Websites to View the Feed: Just as with other URLs, it’s important to make sure the website broadcasting the video feed starts with “https,” instead of “http,” when you log in.

4.    Pick a Secure, Unique Password: Even if cameras allow you to turn the password requirement off, never choose this option. This would enable a live public broadcast of anything cameras see. Passwords should be 10 or more characters, capital and lower-case letters, numbers and symbols, and not be the same as that used for another website or service.

5.    Don’t Get Careless with the Mobile App: Mobile apps may not have the same security standards as IP camera websites. Although convenience is key with these apps, users must stay protected logging in through secure password protected networks. A great alternative is to use a phone’s built-in browser to access the same page as if on a computer.

6.    Keep Your Software Up-To-Date: Updates include new protocols to protect against those newly-discovered viruses and privacy threats. This should be done both for camera software as well as any software associated with the mobile app.

ABOUT SCAMBOOK

Scambook is an online complaint resolution platform dedicated to obtaining justice for victims of fraud with unprecedented speed and accuracy. By building communities and providing resources on the latest scams, Scambook arms consumers with the up-to-date information they need to stay on top of emerging schemes. Since its inception, Scambook has resolved over $ 10 million in reported consumer damages. For more information, visit scambook.com.























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BBB of Fort Worth Warns Businesses of Roofing Scam

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BBB of Fort Worth Warns Businesses of Roofing Scam










Fort Worth, TX (PRWEB) March 05, 2014

BBB of Fort Worth has received reports from roofers who have been contacted by potential customers to provide a bid for a roof replacement on a home purchase. Once the bid is submitted, the customer requests to overpay the requested deposit so the roofer can send the overpaid amount to the property owner via a wire transfer or pre-paid card.

“These imposters are getting clever in their tactics,” said Larry Taylor, BBB of Fort Worth CEO. “BBB of Fort Worth is working diligently to investigate potential scams and alert not only consumers but also businesses so they can take the proper precautions to avoid falling victim to these fraudulent activities.”

In all cases reported, the customer only wants to be contacted via email or text message. And, in one case, the property address provided was a foreclosed home. BBB of Fort Worth and Tarrant County, Inc. (BBB of Fort Worth) warns businesses, especially those in the roofing community, to be on the lookout for fake customers looking to make a quick buck and offers this tips to help businesses avoid falling victim to this new scheme:


    Beware of customers who only want to do business via electronic formats
    Beware of customers who are unwilling to sign a contract but are willing to send money
    Never send money via wire transfer or prepaid card
    Report suspicious business transactions to your BBB

Businesses are encouraged to report potential scams to BBB of Fort Worth toll-free at (855) 621-8566 or by sending an email to info(at)fwbbb(dot)org.

About BBB of Fort Worth and Tarrant County, Inc.

The Better Business Bureau of Fort Worth and Tarrant County, Inc. is a not-for-profit agency serving Tarrant, Johnson, Hood, Wise, Erath, Palo Pinto, Somervell, and Parker counties. Fort Worth BBB provides education and information on business and business standards; and serves consumers by helping resolve consumer complaints regarding businesses. For more information, call (855) 621-8566 or visit fortworth.bbb.org.

About the BBB

For 100 years, Better Business Bureau has been helping consumers find businesses, brands and charities they can trust. In 2011, consumers turned to BBB more than 100 million times for Business Reviews on more than 4 million companies and Charity Reports on 11,000 charities, all available for free at http://www.bbb.org. The Council of Better Business Bureaus is the umbrella organization for 115 local, independent BBBs across the United States and Canada, as well as home to its national programs on dispute resolution and industry self-regulation. For more information, visit http://www.bbb.org.











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Better Business Bureau Names ?BBB Top Ten Scams of 2013?

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Better Business Bureau Names “BBB Top Ten Scams of 2013”












Arlington, VA (PRWEB) February 11, 2014

Every year, Better Business Bureau receives thousands of calls and emails from consumers who have been scammed… or from the lucky ones who have dodged scams by being wary. Some scams are widespread, getting a lot of people for small amounts. Others are more narrowly focused, but take people for thousands or tens of thousands of dollars. The Federal Trade Commission’s Consumer Sentinel Data Book estimates that Americans lost $ 1.4 billion to scams in 2012.

The Council of Better Business Bureaus, the umbrella organization for the 113 local BBBs across the U.S. and Canada, culls its annual “Top Ten Scams” list from a variety of sources, including reports from consumers, some of whom have been victims of scams; from federal agencies; and from other reliable information sources.

“These are not necessarily the scams with the biggest losses, or those with the most victims, as many people don’t report scams or even know they’ve been victimized,” said Katherine Hutt, CBBB spokesperson. “These are the scams that seemed to be the most widespread, aimed at the most vulnerable, growing in popularity, or just plain audacious. Scams are every-changing, but we want to help people recognize them and be prepared the next time they get a suspicious call, email, text or solicitation.”

BBB Top Ten Scams of 2013

Medical Alert Scam – A new twist to the telemarketing scam hit 2013 hard. With promises of a “free” medical alert system, the scam targeted seniors and caretakers and claimed to be offering the system free of charge because a family member or friend had already paid for it. In many cases, seniors were asked to provide their bank account or credit information to “verify” their identity and, as a result, were charged the monthly $ 35 service fee. The system, of course, never arrived and the seniors were left with a charge they had trouble getting refunded. Easy rule of thumb – be wary of “free” offers that require your personal information upfront and always verify with the supposed friend or family member that the caller says paid for the service.

Auction Reseller Scam – Many people turn to Ebay and other online auctions sites to sell used items they no longer need, and relatively new electronics seem to do especially well. But scammers have figured out a way to fool sellers into shipping goods without receiving payment. Usually the buyer claims it’s an “emergency” of some sort – a child’s birthday, a member of the military shipping out – and asks the seller to ship the same day. The seller receives an email that looks like it’s from PayPal confirming the payment, but emails are easy to fake. Always confirm payment in your Ebay and PayPal accounts before shipping, especially to an overseas address.

Arrest Warrant Scam – This one seemed to really take off last autumn. In this scam, con artists are taking advantage of technology that can change what is visible on Caller ID, and allowing them to pose as the office of the local sheriff or other law enforcement agency. They call to say there is a warrant out for your arrest, but that you can pay a fine in order to avoid criminal charges. Of course, these “police” don’t take credit cards; only a wire transfer or pre-paid debit card will do. Sometimes these scams seem very personal; the scammer may refer to a loan or other financial matter. It may just be a lucky guess, but don’t be fooled into thinking you are about to be arrested.

Invisible Home Improvements – Home improvement scams vary little from year to year, and most involve some type of shoddy workmanship from unlicensed or untrained workers. The hardest for homeowners to detect, and therefore the easiest for scammers to pull off, are repairs or improvements to the areas of your home that you can’t see: roofs, chimneys, air ducts, crawl spaces, etc. Scammers may simply knock at your door offering a great deal because they were “in the neighborhood,” but more and more they are using telemarketing, email and even social media to reach homeowners. Helpful videos on YouTube can add legitimacy to a contractor, but consumers have no way of knowing if the video is real or “borrowed” from a legitimate contractor. Check out home contractors at bbb.org before saying yes.

Casting Call Scam – This is not as widespread as some other scams, but it seems to have really been on the increase in recent years, thanks to the popularity of television talent shows like “American Idol” and “Project Runway.” Scammers pose as agents or talent scouts looking for actors, singers, models, reality show contestants, etc., and use phony audition notices to fool aspiring performers into paying to try out for parts that don’t exist. There are several ways this plays out. It can simply be an unscrupulous way to sell acting lessons, photography services, etc., or it can be an outright scam for things like fees for online “applications” or upcoming “casting calls.” Even worse, the information provided on an online application could be everything a scammer needs for identity theft.

Foreign Currency Scam – Investments in foreign currency can sound like a great idea, and scammers frequently use real current events and news stories to make their pitches even more appealing. They advertise an easy investment with high return and low risk when you purchase Iraqi Dinar, Vietnamese Dong or, most recently, the Egyptian Pound. The plan is that, when those governments revalue their currencies, increasing their worth against the dollar, you just sell and cash in. Unlike previous hoaxes, you may even take possession of real currency. The problem is that they will be very difficult to sell, and it’s extremely unlikely they will ever significantly increase in value.

Scam Texts – With online and mobile banking skyrocketing, it’s not a surprise that scams quickly follow. One major tactic recently is the use of scam texts, known as “smishing,” to steal personal information. They look like a text alert from your bank, asking you to confirm information or “reactivate your debit card” by following a link on your smart phone. Banks of all sizes have been targeted, and details of the scam vary, but the outcome is the same: scammers get your banking information, maybe even your ATM number and PIN. You may even inadvertently download malicious software that gives the scammer access to anything on your phone.

Do Not Call Scams – The National Do Not Call Registry (U.S.) or the National Do Not Call List (Canada) offer consumers a free way to reduce telemarketing calls. Scammers call anyway, of course, and they’ve even found a way to scam consumers by pretending to be a government official calling to sign you up or confirming your previous participation on the Dot Not call list! In one variation, scammers ask for personal information, such as your name, address and Social Security/Social Insurance number. In another, scammers try to charge a fee to join the registry. Either way, just hang up. These services are free, but sharing personal information with a scammer could cost you a lot.

Fake Friend Scam – Did you ever get a Friend Request on Facebook from someone you already thought was your Friend? If you hit Accept, you may have just friended a scammer. A popular recent scam has been the theft of people’s online identities to create fake profiles, which can be used in a variety of ways. A new Friend can learn a lot about you to scam you later, “recommend” sketchy websites that download malware, use your account to scrap information on your other Friends, even impersonate a military officer or other trustworthy person to perpetrate a romance scam. Be careful on social media, keep your privacy settings high, and don’t share confidential information. You can’t always be sure that your Friends are really your friends.

Scam of the Year: Affordable Care Act Scam

Scammers had a field day with the Affordable Care Act (“Obamacare”), using it as a way to fool Americans into sharing their personal information. Scammers would call claiming to be from the federal government and saying the would-be victim needed a new insurance card or Medicare card. However, before they can mail the card, they need to collect personal information. Scammers do a lot to make their requests seem credible. For example, they may have your bank’s routing number and ask you to provide your account number. Or, they may ask for your credit card or Social Security number, Medicare ID, or other personal information. But sharing personal information with a scammer puts you at risk for identity theft.

For infographic, click here.

More information for consumers:

    For more information on these and other scams, go to BBB Scamstopper. Sign up for our Scam Alerts and learn about new scams as soon as we do.
    For more information on investment scams, go to BBB Smart Investing, a partnership with the FINRA Investor Education Foundation.
    To search for a business in the U.S. or Canada, or to find your local BBB, go to BBB.org.
    For information on charities, go to Give.org.
    For information on U.S. government services, go to: USA.gov.
    For information on Canadian government services, go to Service Canada.

* * * *

ABOUT BBB:

For more than 100 years, Better Business Bureau has been helping consumers find businesses, brands and charities they can trust. In 2012, consumers turned to BBB 124 million times for Business Reviews on more than 4.5 million companies and Charity Reports on 11,000 charities, all available for free at bbb.org. The Council of Better Business Bureaus is the umbrella organization for 113 local, independent BBBs across the United States and Canada, as well as home to its national programs on dispute resolution and industry self-regulation.

MEDIA CONTACTS:

For more information, journalists should contact Katherine Hutt at 703-247-9345 or khutt(at)council(dot)bbb(dot)org or Kelsey Owen at 703-247-9376 or kowen(at)council(dot)bbb(dot)org. After hours, use the BBB Media Hotline at 571-422-3584.























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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









Freedom Financial Network Reminds Consumers How to Protect Their Credit, Identity

Author: admin  //  Category: Uncategorized

Freedom Financial Network Reminds Consumers How to Protect Their Credit, Identity











Freedom Financial Network logo


San Mateo, Calif. (PRWEB) February 12, 2014

With several national companies – including Target, Neiman Marcus and White Lodging Services – reporting major data breaches recently, consumers may be worried about protecting their credit and identity. But they can take steps to protect themselves, says Kevin Gallegos, vice president of Phoenix operations for Freedom Financial Network (FFN).

More than 100 million customers may have had personal information or credit and debit card numbers stolen in the Target data breach alone. Many more could be impacted by hackers who broke into data for Neiman Marcus and for White Lodging Services, which manages franchises from Hilton, Marriott, Sheraton and Westin.

“All of these customers are at high risk for identity theft,” Gallegos said. “And with the increasing use of online shopping, with extensive use of credit and debit cards, data fraud is a real danger. Fortunately, people can take action to protect themselves.”

1.    Monitor accounts daily. Keep an eye on bank and credit card accounts for unauthorized activity. Do not wait to receive monthly statements. Rather, check for discrepancies frequently each week. Thieves often use small, unusual amounts ($ 1.21 or 6 cents) as a test before attempting a pricier transaction. Consumers should not drop their guard. Data thieves sometimes wait months before taking action. Experts say it is not necessary to ask bank or credit card companies to issue new cards unless a problem is identified.

2.    Report suspicious account activity. Consumers who notice unauthorized charges should call the bank or creditor immediately. The fraud monitoring department will cancel the card and issue a new one. They also will help to dispute charges. Cardholders are not liable for unauthorized charges. Target customers also should call the Target hotline (866-852-8580). Target will cover the cost of any fraudulent activity that results from the data breach for its affected customers.

3.    Change PINs. Personal identification numbers (PINs) were among the data stolen from Target. A PIN is the number the customer enters when processing debit card transactions or making cash withdrawals from ATMs. Because the stolen PINs were encrypted, experts believe the thieves will be unable to use them. It’s still wise, however, to request PINs be re-issued.

4.    Register for free credit monitoring. Take advantage of free credit monitoring and identity theft protection being offered via CreditMonitoring.Target.com. Customers can register for this service until April 23. Victims of identity theft related to the Target security breach will be assigned an agent to help resolve problems.

5.    Beware of scams. Thieves may have mail or email addresses and phone numbers for anyone whom Target has ever contacted. These customers are at higher risk of phishing scams. Thieves “phish” for additional information (such as bank account or Social Security numbers) in several ways. They may send emails that look like they are from a bank, creditor or store. Consumers should not open emails or attachments from unknown senders or click links provided by these senders. Instead, use an Internet search engine to navigate directly to a bank or credit company site. If someone calls claiming to be from a bank or credit card company, do not provide information, but instead call the toll-free number on the back of the credit or debit card to verify the earlier call’s authenticity.

“Any business is at risk for a cyber-attack, and with the popularity of computer-processed credit card transactions, data breaches are likely to become more widespread,” Gallegos said. “For these reasons – as well as your ability to stick to your budget – paying with cash is one way to protect yourself. But when cash is not feasible, observe safe shopping practices while remaining vigilant about your personal finance accounts.”

Freedom Financial Network (http://www.freedomfinancialnetwork.com)

Freedom Financial Network, LLC (FFN), provides comprehensive consumer credit advocacy services. Through the FFN family of companies – Freedom Debt Relief, Freedom Tax Relief, ConsolidationPlus, FreedomPlus and Bills.com – FFN works as an independent advocate to provide comprehensive financial solutions, including debt consolidation, debt resolution, debt settlement and tax resolution services for consumers struggling with debt. The company, which has resolved more than $ 2 billion in debt for more than 200,000 clients since 2002, is an accredited member of the American Fair Credit Council, and a platinum member of the International Association of Professional Debt Arbitrators.

Based in San Mateo, Calif., FFN also operates an office in Tempe, Ariz. The company, with more than 600 employees, was voted one of the best places to work in the San Francisco Bay area in 2008, 2009, 2012 and 2013, and in the Phoenix area in 2008, 2009, 2010, 2012 and 2013. FFN’s founders are recipients of the Northern California Ernst & Young Entrepreneur of the Year Award.

(end)











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Frames Bowling Lounge in NYC to Start Accepting Bitcoin this Spring

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Frames Bowling Lounge in NYC to Start Accepting Bitcoin this Spring











Frames Bowling Lounge NYC


New York, NY (PRWEB) March 03, 2014

According to a recent article published in the Harvard Business Journal, digital currency is far from ready for primetime. Mt. Gox, the holy grail of Bitcoin exchange and responsible for over 6% of the world’s digital currency supply, recently shuttered without a trace due to hacking, which most believe to be internal theft. With no proof, this financial scam of epic proportion remains largely unsolved and practically untraceable.

There are many claims that Bitcoin cannot survive due to non-regulation. Due in part to the lack of insurance against high volatility (prices have swung between $ 110 and $ 1,100 over the last six months) or fraud (Bitcoin wallets have disappeared without accountability for lost funds) and due to its untraceable nature, Bitcoin has invited illicit activity and untraceable exchanges of goods and services across the globe (through sites like Silk Road).

Every day seems to bring a new headline about the Bitcoin, which many originally hoped would become a new way for businesses to accept currency exchanges without being held slave to credit card or bank charges. Money would be mobile in a way that was free from the standard operational rules. Companies would no longer be tied to 3% fees being skimmed off profits. However, in order for a digital payment system to work, it needs to be perceived as a true currency with actual intrinsic value. Or does it?

Frames Bowling Lounge, a bowling and billiards entertainment complex in Midtown Manhattan, believes they can benefit greatly by allowing Bitcoin as a trade of currency for services. Without bank exchange fees, more pure profit can be generated. If the exchange rate holds steady for the time it would take to convert virtual coin back to actual dollars, the company can bank virtually and pay no credit card fees.

“Yes, the system is flawed right now, mostly due to its extreme volatility”, exclaimed Frames Marketing Manager, Frayda Resnick.

“However, part of taking great risk is the potential of great reward, and we are hoping that the transactions happen fast enough to keep the rates in our favor. In addition, by stating that we accept Bitcoin, we are confirming what the public already knows about our brand, that we are as unique as our customers, who are probably owners of the cryptocurrency.

“As soon as companies realize this is actually what the virtual currency was intended for, not for the betting public to sit on in hopes to see their values escalate, it becomes a real way of small businesses holding on to as much of their profits as they can”.

Frames Bowling Lounge, located on west 40th street and 9th Avenue, has opened a bitcoin wallet through Blockchain, and can send a link to their wallet for customers to easily transmit funds privately, without use of a credit card or bank. At time of publishing, bitcoin was valued at $ 590 = 1 btc.











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New Book from University of Minnesota Business Professor Suggests We?re Not Really That Stupid

Author: admin  //  Category: Scam Reports

New Book from University of Minnesota Business Professor Suggests We’re Not Really That Stupid











Vladas Griskevicius


Minneapolis, MN (PRWEB) September 17, 2013

In a new book, University of Minnesota business professor Vladas Griskevicius challenges prevailing views of decision making and in doing so reveals the hidden wisdom behind many of our irrational tendencies.

“People make many shockingly stupid decisions, like when they buy cars they can’t afford (1.8 million vehicles are repossessed each year) or put $ 57 billion of their savings into something that has an expected negative 80% return rate – the lottery,” says Griskevicius, an associate professor in the Carlson School of Management. But why do humans have all these irrational tendencies?

Since the time of Charles Darwin, when biologists observe a puzzling behavior in animals, they ask if it might serve an adaptive function. Griskevicius and psychology professor Douglas Kenrick of Arizona State University turn the same magnifying glass from animals to humans in THE RATIONAL ANIMAL: How Evolution Made Us Smarter Than We Think (Basic Books | Sept. 10, 2013).

“Once we start looking at modern behavior through an ancestral lens, many decisions that appear foolish at the surface level turn out to be smart at a deeper evolutionary level,” says Kenrick. “It turns out that many of our irrational tendencies are smarter than we think.”

Consider why Americans spend over $ 500 billion each year on showy luxury products that have zero survival value. Luxury products are clearly linked to status, but why do people want to show off their status so much? Darwin was similarly stumped when he first observed the peacock’s tail, which makes the animal easier to spot by predators and slows it down when trying to escape. Darwin reasoned that while flashy tails might hinder survival, their adaptive function might be to aid mating.

Conspicuous consumption in humans, it turns out, is not too different from the Peacock’s tail. In the same way that peacocks flaunt their tails to impress the opposite sex, men conspicuously flaunt their luxury products to impress women. Does it work? Yes. Studies have found that women would rather date the guy with the flashy Porsche than the modest Honda.

“It might be economically irrational to spend your last penny on a luxury good, but this tendency pays great dividends when it comes to the most important of evolutionary rewards,” says Griskevicius.

The Mystery of Steve Jobs and the Overconfidence Bias

THE RATIONAL ANIMAL also reveals the hidden wisdom of some of the most irrational human biases. Consider Steve Jobs, whose perception of reality was warped by a “reality distortion field.” According to Walter Isaacson’s biography, Even back in the 1970s Jobs was so overconfident that he had the gall to show up to corporate meetings barefoot and reeking of body odor (he showered once a week, believing that his diet of eating apples made deodorant unnecessary). Jobs was not alone in his sense of overconfidence. When men are asked to rank themselves on athletic ability, one study found that 100% rated themselves in the top 50%. In another study, 93% of people rated themselves as “above average” drivers.

“This irrational tendency to warp reality is known as overconfidence bias,” explains Griskevicius. “But if you look at it more closely, it actually pays to be biased.”

A recent study in the journal Nature found that being overly confident rather than accurate can enhance reproductive fitness. This is because confidence increases ambition and persistence.

For example, overly confident sales agents who view setbacks as flukes, rather than accurately viewing them as signs of incompetence, are more likely to persist and sell more policies. And overly confident people are also more likely to get promotions at work.

“Humans are born to be biased – but for good reason. Rather than being design flaws, many of our biases are design features,” adds Kenrick.

Despite his hobo appearance and pungent scent, the overly confident Steve Jobs didn’t do too shabbily. But not everyone shared his confidence. Jobs initially convinced Ron Wayne, an engineer at Atari, to become the third partner with him and Steve Wozniak at Apple. But Wayne got cold feet and sold his 10 percent share for $ 800. Jobs’ persistent self-confidence paid off, and Apple became the single most valuable company in world history. If Ron Wayne had shared Jobs’ confidence, his $ 800 investment would have been worth $ 2.6 billion today.

“If we look only at the surface, many of our choices appear rather foolish. But underneath all those biases is an exceptionally wise ancestral system of decision making,” says Griskevicius.

This doesn’t mean that following our inner chimp will always lead to good decisions. It also pays to read Consumer Reports. In fact, marketers often exploit our evolutionary tendencies and use them against us. By revealing what to look for, THE RATIONAL ANIMAL provides guidance on how to defend ourselves from scams and rip-offs that seek to take advantage of our otherwise adaptive ancestral biases.























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Scam School – Episode 28 – Mind Control

Author: admin  //  Category: Uncategorized

NEW SCAM SCHOOL CHANNEL: http://www.youtube.com/user/scamschool?feature=watch A brand new illusion that will trick your friends into believing in MIND CONTRO…

MillionaireMatchmakerOnline.org Offers a New Opportunity to Date Millionaire Singles Online

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MillionaireMatchmakerOnline.org Offers a New Opportunity to Date Millionaire Singles Online











Millionarie Matchmaker Online


(PRWEB) March 05, 2014

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For more information, please visit: http://www.millionairematchmakeronline.org/.






















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Workers? Comp PBMs Grapple with Physician Dispensing by Lobbying State Regulators, Reports Drug Benefit News

Author: admin  //  Category: Scam Reports

Workers’ Comp PBMs Grapple with Physician Dispensing by Lobbying State Regulators, Reports Drug Benefit News










Washington, DC (PRWEB) September 18, 2013

Employers, insurance companies, PBMs and other payers of workers’ compensation prescription drug claims are up in arms about the practice of physician dispensing, through which prescribers dispense these same drugs directly to patients and charge an average wholesale price (AWP) that is in many cases significantly higher than the price paid to a retail pharmacy. The Sept. 16 issue of Atlantic Information Services’s Drug Benefit News reports on the lobbying efforts PBMs are focusing on state policymakers in an attempt to restrict the practice and to put a cap on reimbursement.

According to new research from the Workers Compensation Research Institute (WCRI), Pennsylvania doctors who are directly dispensing medications to injured workers are charging workers’ compensation payers an average of $ 1.22 per pill for Vicodin (hydrocodone-acetaminophen), more than three times the 37 cents average per-pill reimbursement to retail pharmacies. In Maryland, WCRI found that the average per-pill cost of Percocet (oxycodone/acetaminophen) dispensed by a Maryland physician is $ 3.29, estimated by the research institute to be nearly five times the typical 67 cents charged by pharmacies. Moreover, physicians in that state charged an average of $ 5.87 per pill of Prilosec (omeprazole), which was available over-the-counter for 67 cents per pill at Walgreen Co. stores during the study period ending March 31, 2012.

“It’s such a scam, it’s beyond belief,” opines Joseph Paduda, president of CompPharma, LLC, a consortium of workers’ compensation PBMs that recently identified physician-dispensed drugs as the second-largest driver of workers’ compensation prescription drug costs after the use of opioids. But attempts at the state level to resolve this issue through legislation have achieved mixed results. “In Maryland, for example, the physician dispensing community has lobbied very hard, has donated a lot of money to political campaigns and has been able to co-opt the legislative process through applying large sums of money,” Paduda continues. “And that’s because they’re making so much money from physician dispensing; they have a lot of cash to disperse.”

Visit http://aishealth.com/archive/ndbn091313-02 to read the article in its entirety, which also reports on state regulatory efforts, including price control and dispensing time limits.

About Drug Benefit News

Published biweekly, Drug Benefit News delivers timely news, proven cost management strategies and unique data gathered in AIS’s own surveys of PBMs and pharmacy benefit vendors. Coverage includes news and strategies related to the use of generics and OTC drugs, formulary decisions, evidence-based medicine, changes in drug pricing, PBM transparency, changes in Part D and other federal initiatives, and much more. Visit http://aishealth.com/marketplace/drug-benefit-news for more information.

About Atlantic Information Services

Atlantic Information Services, Inc. (AIS) is a publishing and information company that has been serving the health care industry for more than 25 years. It develops highly targeted news, data and strategic information for managers in hospitals, health plans, medical group practices, pharmaceutical companies and other health care organizations. AIS products include print and electronic newsletters, websites, looseleafs, books, strategic reports, databases, webinars and conferences. Learn more at http://www.AISHealth.com.































Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.