Read your email messages carefully before responding to them


The first thing to do is to take the time to read messages cautiously before you even think about responding to them. In most cases, it ought to take only a couple of seconds to determine that someone is trying to scam you. Begin with this general set of guidelines:

If an offer sounds too good to be accurate, it almost usually is not true.

A serious provide of a prize or notification of an award from a government or an attorney will generally come in the type of a personally addressed letter, together with full particulars concerning the sender.

If something is "free," then it ought to not price you money to get it. If that's not what you are reading, stop. Don't reply. Do not forward the scam to a buddy. Delete. Never forget that criminals are smart, in a stupid kind of way. On the Internet, they don't need a gun. Instead, they're looking for some method to fool individuals into giving them money or information, or unlocking the online door to bank accounts and credit cards.

But you're smart too. When you're in cyberspace, you've the advantage of not having to deal with someone who's in your face. You can take the time to think about what you're being asked to complete, and you can always hang up or disconnect. The more someone pushes you to act quickly or claims that this is a "one-time" offer, the more you need to dig in your heels and slow down.

The rules for dealing with e-mail are the same as anywhere else online. Maintain your personal information and your banking accounts to yourself until you are certain you are dealing having a company you can trust. Never buy anything or offer information to a company or a individual unless you are able to get and check full details about name, location, and telephone number.

If you do decide to go ahead and make a purchase, read all of the guarantees and be certain you understand whether you'll have the correct to return something if you determine you do not want to maintain it. Will you've to pay for shipping in both directions? Are there "restocking" fees for returns? Make a copy with the policies as you see them at the time of purchase. Print them out or make an electronic screen capture.

Then keep in mind that the best way to pay for something - once you have produced a good effort to determine if the seller is for real - would be to use a credit card or certain types of debit cards that are backed by one of the credit card companies.

Using a credit card gives you certain rights, protected by federal law, that permit you to dispute charges for purchases or services that aren't delivered, are not as promised, or that are the result of fraud.

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This article was sent to us by: Cherilyn Patts at 01152011

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