Virtual Thoughts

Online Jobs, Scams and Experiences

Finding a Reliable Data Entry Job

Repost from linkedin: http://tinyurl.com/3oqlg45 Thanks to Joseph Miller

The key is to find an honest and reliable freelancing or part time / full time data entry job. This will take some time but we will outline some of the best ways to secure long term high paying data entry jobs and where they can be found.

Webmaster forums are a great place to look for online data entry jobs. Many webmasters are constantly looking to save time by hiring other people to do manual labor so they can focus and advertising and updating their web site. Hence, there is a huge demand for data entry and freelancing jobs for webmasters and many are able to make thousands each month through data entry for webmasters alone. It can be difficult to track down webmasters, so visiting webmaster forums with large marketplaces can help you find jobs and advertise your services. Some of the largest and most popular forums with active marketplaces are Digital Point and Site Point. Note: There is a charge of $10 to $20 to advertise your Service at the Site Point forums. Digital Point Forums, which are equally active, are free.

Craig’s List is also a great place to find data entry job. Craig’s List has grown to become the largest online classified web site on the Internet and although they focus and buying and selling goods in every state and many countries world wide, they also have a section for “Writing Gigs” where a few people are always looking for someone to do a data entry job. Other job sites such as Yahoo! Hot Jobs or Monster are also good places to find a data entry job in your area.

Finally, there are some organizations that need a lot of data entry done and you can visit their web sites and sign up for their programs to have a constant stream of work and revenue. These are usually the most stable way to make money through data entry jobs, but to be successful with these programs you need to insure that you are signing up with a reliable program so that you do not get scammed.

How Can You Protect Yourself from Scammers

Many people who purchase the click bank data entry product fail and give up with data entry jobs. It takes some time to realize that they were actually scammed and lost their time and money. Do not let this happen to you. There are scammers in every industry so it is important that you do your research and stay away from scam programs.

Search Engines are the best way to protect yourself from scammers. There are billions of web sites on the Internet today and thousands of them contain unbiased reviews of data entry programs. You can use search engines to find this information quickly to insure that you are not being scammed and to find the program that is best for you based on real user views and experiences.

Forums are also a great place to find this information. Finally, to be sure that your information is unbiased and accurate, be sure to double check the program you selected with the BBB or Better Business Bureau that has official information and customer praise/complaints about most businesses.

There is a lot of potential to earn a high income using data entry jobs. There are always people who are looking for data entry services, the key is to finding jobs and making sure that the jobs you find are not run by scammers so you won’t waste your time and money. This article contains a lot of useful information that should assist you greatly in making money online and being successful through data entry jobs. Be sure to visit some of the web sites that were mentioned as they contain a lot of very useful information and can help you earn a lot more money.

For More Details On Data Entry Jobs Please Visit: http://tinyurl.com/66bbrjh

August 23, 2011 Posted by | Online jobs | Leave a Comment

Craigslist SCAM ALERT

SCAM ALERT - affiliate scammers are posting bogus ads promising (nonexistent!) employment, paid research trials, or other compensation, but then notifying repliers that they’ll need to jump through a hoop first, directing them to:

  • background checking services
  • credit checking or reporting sites
  • sites where you are instructed to enter your resume or other personal information
  • sites where you are asked to sign up for a “free” trial offer
  • sites offering training or education
  • sites offering a “system” for making money
  • survey or focus group sites
  • sites designed to deliver malware or misuse your identifying information

all in hopes of earning affiliate marketing commissions or otherwise profiting at the expense of persons seeking employment.

Lots of variations on this scam, but each generally involves dangling (nonexistent!) compensation, and then directing you to a website where you are asked to sign up for something, use your credit card, or input personal information such as your email address.

 

August 19, 2011 Posted by | Online Scams | Leave a Comment

Scammer Alert Online

I recently stumbled across a site that is full of news about the latest online scam. I know that a lot of online workers will be interested in this http://www.scammer-alert.com/data-entry.php

As more and more people are turning to working online, more more scammers are created too. The worst scammers are the ones who are seeking people to work for free or commission only.

I was just over at Craigslist checking for the latest work trend and found several postings that are paying $100.00 for commission, others are offering a share of the company’s profit, and this is the worst of them, one guy was interested to find an online researcher with the possibility of turning it into a romantic relationship. This should be a no-no to any single girls out there. Any business relationship should be kept professionally and no hidden or seen interest.

Craigslist is still a good site to find online work, although the work force competition has gone more than a hundred percent up. But even though it is still a good site, scammers are also created more than a hundred percent up. So beware all work at home people.

August 13, 2011 Posted by | Online Scams | Leave a Comment

LOAN MODIFICATION TIPS, LINKS & RESOURCES

OVERVIEW

Mortgage modifications are not possible for every homeowner and no one can guarantee that you’ll get a modification. Not all lenders signed on to the government plan to encourage modifications, and even those that have give modifications selectively. Modifications usually require documentation of permanently changed financial circumstances (hardship), and lenders have their own way of defining what constitutes a permanent financial hardship. As a consequence, most modifications or forbearances have been on a trial or temporary basis, often with the savings tacked onto the end of the loan.

Be prepared to provide to your lender a letter explaining the reasons for your mortgage default or financial hardship, proof of current income, itemized monthly expenses, prior 2 years tax returns*, a copy of a recent utility bill as proof of residence and proof of paid property taxes and homeowners insurance (if not escrowed with your monthly payment). After 3 months of steady payments and more verifications, the loan mod may become permanent.

State regulators, the FTC, and other federal regulators recommend that homeowners should never pay up-front fees for a loan modification. Effective October, 2009 it’s illegal in California to collect any money in any form for negotiating or attempting to negotiate a modification of a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law. Also, no lawyer can force a lender to modify a loan and no lawyer can assure anyone that they’ll qualify for a modification.

The “forensic loan audit” is another marketing pitch for foreclosure-relief services that preys upon the desperation of homeowners facing foreclosure. Loan mod consultants offering forensic loan audits use inflated and misleading claims to convince homeowners to pay large upfront fees for a review of their mortgage loan documents to determine if their lender complied with state and federal laws. This audit is pitched to homeowners as a tool they can use to gain leverage and speed up the loan-modification process.

The lending industry is in a state of flux because of all the applications for modifications. The policies at the different lenders vary, sometimes from representative to representative – outcomes have been very unpredictable. Be very skeptical of any claims from anyone that tells you that they have an inside track into getting a modification.

Rampant loan modification and foreclosure rescue scams exist. We recommend that you first call a HUD approved non-profit housing counselor who will do all this for you at no charge. Call 888-995-4673 to speak with a HUD certified housing counseling agency. They can evaluate your housing options, open lines of communication with mortgage lenders, negotiate a loan modification, and help you with household budgeting, all at no cost.

Take some time to review the information in the links listed below:

CONSUMER RESOURCES – AN ANNOTATED LIST

http://www.trustlink.org/ – TrustLink is a special program of the Better Business Bureaus of Los Angeles, Santa Barbara, New Mexico and Southern Colorado, Asheville, N.C., Miami, FL and San Jose, CA. TrustLink provides: 1) consumer reviews on thousands of companies, 2) free online storefronts for businesses, 3) a quote request service, and 4) a popular “Ask The Community” public Q & A forum.

http://www.la.bbb.org/ – the official website of the Better Business Bureau of the Southland, a non-profit organization serving Los Angeles, Orange, Riverside and San Bernardino counties in California. The BBB of the Southland was formed in 1951 to promote truth in advertising and business self-regulation. The Better Business Bureau assists the public in resolving complaints against businesses and it uses that complaint experience to rate the reliability of businesses. In addition, the Bureau operates an alternate dispute resolution program which administers arbitration proceedings at no cost to consumers. BBB of the Southland also manages TrustLink.

http://www.bbb.org/ – The website of the Council of Better Business Bureaus, which maintains a search engine to find hundreds of thousands of business Reliability Reports. Check the BBB and TrustLink websites before doing business with any foreclosure assistance company.

http://www.dre.ca.gov/ – The CA Department of Real Estate has excellent resources, support, and guidance for homeowners in financial distress, regardless of what state you live in. Topics cover types of loan modification/foreclosure rescue scams, red flags to be aware of, current laws governing fees and practices for mortgage brokers, attorneys, and other foreclosure consultants, how to negotiate with your lender yourself, community resources, what to do if you are a victim of fraud, and more. Go to the “Consumers” tab first.

http://www.dre.ca.gov/cons_adv_fees_alert.html – Info about the requirements for mortgage brokers who want to charge fees in advance for loan modifications and lists of brokers who have been approved.

http://www.yourhome.ca.gov/ – an additional website set up by the State of California for homeowners.

http://www.dre.ca.gov/pdf_docs/FAQ-LoanMod.pdf – Practical tips for working directly with your lender.

http://www.dre.ca.gov/pdf_docs/FraudWarningsCaDRE03_2009.pdf – Various tips and warnings about loan modification fraud.

http://www.hpfonline.org/ – This is the website of the Homeownership Preservation Foundation, the nonprofit arm of the HopeNow Alliance. The HPF is comprised of various HUD certified housing counseling agencies who are well experienced with mortgage delinquency. The HPF owns and operates the 888-995-HOPE (888-995-4673).
Also visit www.995hope.org.

http://www.hopenow.com/ – The HOPE NOW Alliance is a government endorsed group of mortgage industry players, including several nonprofit housing counseling agencies that can help you with a loan modification for free. Their national toll free number is 888-995-HOPE where you can speak with one of their HUD certified housing counselors.

http://www.makinghomeaffordable.gov/borrower-faqs.html#b1 – The official Making Home Affordable website that provides in-depth detail about the government’s loan modification programs.

http://www.ftc.gov/bcp/menus/consumer/credit/mortgage.shtm – Federal Trade Commission tips and alerts for homeowners.

http://www.loanscamalert.org/ – This website is produced by NeighborWorks® America, a national, nonprofit organization created by Congress to provide financial support, technical assistance and training for community-based revitalization efforts.

http://www.preventloanscams.org/ – This site was launched in March of 2010 and has a nifty map where you can check your state’s laws that pertain to loan modification.

http://ag.ca.gov/loanmod/ – Attorney General Jerry Brown’s Alert on Forensic Loan Audits (February, 2010)

http://www.calhfa.ca.gov/ – the official website of the California Housing Finance Agency. The CalHFA will be administering the government’s “Hardest Hit” fund, announced in February 2010 allocating $1.5 billion in funds from the Troubled Asset Relief Program (TARP) to five states where home prices have fallen more than 20% from their peak: California, Nevada, Arizona, Florida and Michigan. The funding will be used to provide lenders with incentives to write-off some principal of borrowers who are in a severe negative equity position. Second mortgages or lines of credit may also be reduced or modified.

Source: http://www.facebook.com/note.php?note_id=389607214381&1&index=0

May 3, 2011 Posted by | Online Scams | Leave a Comment

BBB Warning: Don’t Fall for Local Mystery Shopping Scam!

The Better Business Bureau is warning consumers that thieves are using the name of a legitimate BBB Accredited Business in the mystery shopping industry to scam people across the country.

The owner of Measure Consumer Perspectives, Kimberly Nasief, has received calls from consumers all over the U.S. who say they received a hefty check from her company, along with a letter stating they have been chosen for two mystery shopping assignments. The letter looks legitimate with the company’s logo and a reference to the company being a BBB Accredited Business.

So far, the BBB has received one local complaint related to this scam, but it expects to hear from more consumers. The local man is apparently out $8,000. He wired the money to Canada.

The letter being sent to consumers states they have 7 days to finish the two assignments. One assignment includes evaluating a wiring service (Western Union or Money Gram). The consumer is told to take the check they were sent, keep a portion of it and wire the rest of the money back to them. The check is fake and the consumer is out the money.

The letter has a phone number included, which is located in Quebec. When Nasief called, she got a voicemail with her company’s name on it. The scammers called her back and when she told them who she was, they hung up on her.

Apparently, the scam artists are focusing on consumers who have posted resumes on job search sites. They are using the address on the job seeker’s resume to send out the letters.

Ms. Nasief further says, “My company does not send checks to engage consumers in mystery shopping. Any mystery shopping offer that involves the wiring of money is a scam.” Her company is working with the BBB, Mystery Shopper Providers Association, the Federal Trade Commission, and the FBI to get the matter resolved.

If you have fallen victim to this scam, the BBB suggests you contact your local FBI office. The BBB will accept complaints related to this scam, but they cannot be formally processed. BBB will forward them to the FBI for their information and possible law enforcement action.

Mystery shopping is a valuable tool used by some of the largest retailers, restaurants, and banks to understand and enhance the experience they provide to customers. Unfortunately, thieves are using this type of business to scam consumers on a daily basis.

Mystery shopping is not a quick and easy way to make a large sum of money and receive “freebies.” The Mystery Shopping Providers Association has developed the following tips for those interested in becoming a mystery shopper:

· Prospective shoppers do not have to pay a fee to become a mystery shopper. Shoppers should be extremely wary of any mystery shopping offer that requests a fee.

· Visit the MSPA Web site (www.mysteryshop.org/shoppers) for a list of reputable mystery shopping companies and opportunities. Contact the companies directly, not the MSPA, for more information on how to become a shopper.

· Be patient. It takes time, sometimes months or even longer, to be contacted with an offer to conduct a shopping assignment.

· Be cautious of opportunities that offer large sums of money for simple tasks like cashing a check or wiring money. A typical mystery shopping evaluation will earn about $8 to $20. If an assignment sounds too good to be true, it probably is.

About BBB of the Southland, Inc.

The Better Business Bureau of the Southland, Inc. is a non-profit organization serving Los Angeles, Orange, Riverside and San Bernardino counties in California. The organization was formed in 1951 to promote truth in advertising and business self-regulation. The Bureau assists the public in resolving complaints against businesses and it uses that complaint experience to rate the reliability of businesses. In addition, the Bureau operates an alternate dispute resolution program which administers arbitration proceedings at no cost to consumers. BBB of the Southland also hosts the TrustLink Community, which provides a review forum for consumers and online storefronts for businesses (see http://www.trustlink.org/). Please visit http://www.la.bbb.org/ for more information about the BBB of the Southland.

Source: http://www.la.bbb.org/GIReport.aspx?NewsID=250

April 29, 2011 Posted by | Online Scams | Leave a Comment

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