| C Fraud Scams - Telemarketing Fraud - Nigerian Letter or 419 Fraud - Impersonation/Identity Fraud - Advance Fee Scheme - Health Insurance Investment Related Scams - Letter of Credit Fraud - Prime Bank Note - Ponzi Scheme - Pyramid Scheme Internet Scams - Internet Auction Fraud - Non-Delivery of Merchandise - Credit Card Fraud - Investment Fraud - Business Fraud - Nigerian Letter Scam Fraud Target: Senior Citizens - Health Insurance Fraud - Counterfeit Prescription Drugs - Funeral and Cemetery Fraud - Fraudulent "Anti-Aging" Products - Telemarketing Fraud - Internet Fraud - Investment Schemes |
| NAME ADDRESS CITY & STATE PHONE TYPE EVENT |
| BULLETIN BOARD1 MUSLIMVITALRECORDS.COM P.O. Box 305 Oaklyn, N.J. 08107 |
| This is "Free Bulletin Board" for masajid, centers and non-profits to Announce Community Events. We will try and post your event 10 to 14 days prior to. Announcement should include sponsor of event, location, time, nature of event and purpose, and should be sent to Abumaalik@muslimvitalrecords.com and titled EVENT ANNOUNCEMENT |
| Lung Cancer Related to Asbestos Exposure Legal help for those experiencing health complications due to exposure to asbestos |
| Holistic Addiction Treatment Program G&G Holistic Addiction Treatment Program is a nationally recognized recovery treatment center which a comprehensive and integrated Mind-Body-Spirit approach to the treatment of addictions and co-occurring disorders.[continue] |
| Federal Trade Commission (posted Jan 3, 09) Giving the Bounce to Counterfeit Check Scams It’s your lucky day! You just won a foreign lottery! The letter says so. And the cashier’s check to cover the taxes and fees is included. All you have to do to get your winnings is deposit the check and wire the money to the sender to pay the taxes and fees. You’re guaranteed that when they get your payment, you’ll get your prize. There’s just one catch: this is a scam. The check is no good, even though it appears to be a legitimate cashier’s check. The lottery angle is a trick to get you to wire money to someone you don’t know. If you were to deposit the check and wire the money, your bank would soon learn that the check was a fake. And you’re out the money because the money you wired can’t be retrieved, and you’re responsible for the checks you deposit — even though you don’t know they’re fake. This is just one example of a counterfeit check scam that could leave you scratching your head. The Federal Trade Commission, the nation’s consumer protection agency, wants you to know that counterfeit check scams are on the rise. Some fake checks look so real that bank tellers are reporting being fooled. The scammers use high quality printers and scanners to make the checks look real. Some of the checks contain authentic-looking watermarks. These counterfeit checks are printed with the names and addresses of legitimate financial institutions. And even though the bank and account and routing numbers listed on a counterfeit check may be real, the check still can be a fake. These fakes come in many forms, from cashier’s checks and money orders to corporate and personal checks. Could you be a victim? Not if you know how to recognize and report them. Fake Checks: Variations on a Scheme Counterfeit or fake checks are being used in a growing number of fraudulent schemes, including foreign lottery scams (as described above), check overpayment scams, Internet auction scams, and secret shopper scams. Check overpayment scams target consumers selling cars or other valuable items through classified ads or online auction sites. Unsuspecting sellers get stuck when scammers pass off bogus cashier’s checks, corporate checks, or personal checks. Here’s how it happens: A scam artist replies to a classified ad or auction posting, offers to pay for the item with a check, and then comes up with a reason for writing the check for more than the purchase price. The scammer asks the seller to wire back the difference after depositing the check. The seller does it, and later, when the scammer’s check bounces, the seller is left liable for the entire amount. In secret shopper scams, the consumer, hired to be a secret shopper, is asked to evaluate the effectiveness of a money transfer service. The consumer is given a check, told to deposit it in their bank account, and withdraw the amount in cash. Then, the consumer is told to take the cash to the money transfer service specified, and typically, send the transfer to a person in a Canadian city. Then, the consumer is supposed to evaluate their experience — but no one collects the evaluation. The secret shopper scenario is just a scam to get the consumer’s money. Con artists who use these schemes can easily avoid detection. When funds are sent through wire transfer services, the recipients can pick up the money at other locations within the same country; it is nearly impossible for the sender to identify or locate the recipient. You and Your Bank — Who is Responsible for What? Under federal law, banks must make funds available to you from U.S. Treasury checks, official bank checks (cashier’s checks, certified checks, and teller’s checks), and checks paid by government agencies at the opening of business the day after you deposit the check. For other checks, banks must similarly make the first $100 available the day after you deposit the check. Remaining funds must be made available on the second day after the deposit if payable by a local bank, and within five days if drawn on distant banks. However, just because funds are available on a check you’ve deposited doesn’t mean the check is good. It’s best not to rely on money from any type of check (cashier, business or personal check, or money order) unless you know and trust the person you’re dealing with or, better yet — until the bank confirms that the check has cleared. Forgeries can take weeks to be discovered and untangled. The bottom line is that until the bank confirms that the funds from the check have been deposited into your account, you are responsible for any funds you withdraw against that check. For more info: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre40.shtm ..........................................................................................................................
agrees to pay the asking price but he always wants to send a check for thousands of dollars more than that amount. And he’ll have some reason for you to wire transfer the difference to someone. For example, with a car purchase you could be told the extra money is for a shipping company that will pick up the vehicle. It’s a lie! The check looks real, but it’s bogus. The bank may cash it or accept the deposit, but once the check bounces (and that could take weeks) you’ll be stuck paying back the bank. Scammers love wire transfers because they are quick and virtually irreversible. They also make it hard for law enforcement to track them down. ConsumerMan tip: Any time you are selling something and receive a check for more than the asking price, no matter what the reason, it’s a scam. Run away from this deal as quickly as you can. .........................................................................................................
from your home and make thousands of dollars a month. To start your work-at-home business you’ll need to pay for instructions or a list of contacts. If you get anything at all, it’s often useless or outdated information. |
| Avoiding the Nigerian Letter Scam Be skeptical of individuals representing themselves as Nigerian or foreign government officials asking for your help in placing large sums of money in overseas bank accounts. Do not believe the promise of large sums of money for your cooperation. Guard your account information carefully. The Nigerian Letter Scam is described on the Common Fraud Schemes FBI webpage, where a plethora of other common fraud schemes are listed. We list some below. |
Each year, a staggering 440,000 people die in the
US from tobacco use. Nearly 1 of every 5 deaths
is related to smoking. Cigarettes kill more
Americans than alcohol, car accidents, suicide,
AIDS, homicide, and illegal drugs combined
************
Based on data collected from 1995 to 1999, the
CDC estimated that adult male smokers lost
an average of 13.2 years of life and female
smokers lost 14.5 years of life because of
smoking. *******************
US from tobacco use. Nearly 1 of every 5 deaths
is related to smoking. Cigarettes kill more
Americans than alcohol, car accidents, suicide,
AIDS, homicide, and illegal drugs combined
************
Based on data collected from 1995 to 1999, the
CDC estimated that adult male smokers lost
an average of 13.2 years of life and female
smokers lost 14.5 years of life because of
smoking. *******************
| MUSLIM IN THE WORK PLACE Many cases have demonstrated an employee's legal right to reasonable accommodation in matters of faith. Examples: 1) The failure of other Muslim employees to wear head scarves is legally irrelevant. The employee need only show sincerely -held religious beliefs. (E.E.O.C. v. Reads, Inc., 1991) 2) There are no health or safety concerns at issue. (Cf. E.E.O.C. Dec. No. 82-1, 1982, also E.E.O.C. Dec. No. 81-20, 1981) 3) Companies cannot give effect to private biases. In other words, just because an employer believes customers will be prejudiced against a woman in a scarf, that does not mean the employee can be fired. (Palmer v. Sidoti, 1984, also Cf. Sprogis v. United Air Lines, Inc., 1971) 4) An employer must demonstrate "undue hardship" caused by the wearing of religious attire. (TWA v. Hardison, 1977) Hardships recognized by the courts include cost to the employer or effect on co-workers. 5) Dress codes can have disproportionate impact on certain faiths. (E.E.O.C. Dec. No. 71-2620, 1971, also E.E.O.C. Dec. No. 71-779, 1970) |
NEW: Bank of America, Fleet or other may owe YOU $78. Anyone who has been dinged by their bank for an overdraft
charge should check here. OnlineClaimForm
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| PAGE 1 |
DEATHS FROM SMOKING:
Deaths information for Smoking: An estimated 400,000 deaths each
year are caused directly by cigarette smoking. (Source: excerpt from
Smoking and Your Digestive System: NIDDK)
Average life years lost from Smoking: 12 years (NIA)
Life years lost from Smoking: Smoking doesn't just cut a few months
off the end of your life. It reduces the life of the average smoker by 12
years.
(Source:http://www.wrongdiagnosis.com/artic/smoking_and_your_di
gestive_system_niddk.htm
Average life years lost from Smoking: 12 years (NIA)
Life years lost from Smoking: Smoking doesn't just cut a few months
off the end of your life. It reduces the life of the average smoker by 12
years. (Source: excerpt from Smoking It's Never Too Late to Stop - Age
Page - Health Information: NIA)
Death statistics for Smoking: The following are statistics from various
sources about deaths and Smoking:
Death rate is 2-3 times higher than non-smokers
Estimated to cause 10 million deaths per year worldwide by 2020
(WHO Web Site)
1.2 million deaths in Europe (The European Heart Network)
45,000 African American deaths each year in America (CBCF Health
Organisation, 2004)
1.2 million deaths from smoking in Europe (The European Heart
Network, 2000)
400,000 deaths annually in the US (Mayo Clinic)
Deaths information for Smoking: An estimated 400,000 deaths each
year are caused directly by cigarette smoking. (Source: excerpt from
Smoking and Your Digestive System: NIDDK)
Average life years lost from Smoking: 12 years (NIA)
Life years lost from Smoking: Smoking doesn't just cut a few months
off the end of your life. It reduces the life of the average smoker by 12
years.
(Source:http://www.wrongdiagnosis.com/artic/smoking_and_your_di
gestive_system_niddk.htm
Average life years lost from Smoking: 12 years (NIA)
Life years lost from Smoking: Smoking doesn't just cut a few months
off the end of your life. It reduces the life of the average smoker by 12
years. (Source: excerpt from Smoking It's Never Too Late to Stop - Age
Page - Health Information: NIA)
Death statistics for Smoking: The following are statistics from various
sources about deaths and Smoking:
Death rate is 2-3 times higher than non-smokers
Estimated to cause 10 million deaths per year worldwide by 2020
(WHO Web Site)
1.2 million deaths in Europe (The European Heart Network)
45,000 African American deaths each year in America (CBCF Health
Organisation, 2004)
1.2 million deaths from smoking in Europe (The European Heart
Network, 2000)
400,000 deaths annually in the US (Mayo Clinic)
NEW: Weed, reifer or marijuana is said to cause Testicle Cancer at rate 70% higher than those who do not smoke it
according to a National News Report.
according to a National News Report.
HUD Discounted Homes
The Neighbor Next Door initiatives are a collection of FHA's
home sales programs designed to help communities and
promote homeownership.
Help a neighborhood! Buy a home through HUD's Good
Neighbor Next Door initiative designed to encourage
renewal of revitalization areas by providing law
enforcement officers, firefighters, emergency medical
technicians and teachers an opportunity to purchase
homes in these communities. HUD provides a substantial
incentive in the form of a fifty percent discount off the list
price of eligible properties.
Learn more about HUD's Good Neighbor Next Door Sales
program.
Additional discounted sales programs allow local
governments and qualified nonprofit organizations to
purchase homes at a discount. These are referred to as
dollar homes and sales to nonprofits.
The Neighbor Next Door initiatives are a collection of FHA's
home sales programs designed to help communities and
promote homeownership.
Help a neighborhood! Buy a home through HUD's Good
Neighbor Next Door initiative designed to encourage
renewal of revitalization areas by providing law
enforcement officers, firefighters, emergency medical
technicians and teachers an opportunity to purchase
homes in these communities. HUD provides a substantial
incentive in the form of a fifty percent discount off the list
price of eligible properties.
Learn more about HUD's Good Neighbor Next Door Sales
program.
Additional discounted sales programs allow local
governments and qualified nonprofit organizations to
purchase homes at a discount. These are referred to as
dollar homes and sales to nonprofits.