I must admit the minds of crooks, scammers, hackers, thieves, call them as you wish, is amazingly inventive and it takes imagination to protect ourselves from the EVER evolving art of scamming!

I decided to share this “observation” with everyone, because recently I had an AHA!!! moment that there is a PATTERN which could be applied to any products or companies. It is NOT about the names of products or companies which could, and ARE CHANGED as soon as the consumers discover them.

What is the KEY to discover a scam before you loose money?

If you get ANY FREE offers which ONLY require you to pay $3.95 or $4.99 or EVEN ONE PENNY by using your credit or debit card, think twice before giving away your card information.
All the scammer wants is your card’s information. Once they have it, before you realize what is happening, they could max out your card!


Recently, I noticed after ending transactions with reputable, safe and secure institutions, such as my bank, a “SURVEY” is offered, as if from the institution I just did business with, and as if the institution OFFERS it. As a “thank you,” I am offered a FREE product for answering three questions.
The best and safest is to CLOSE the WINDOW and NOT click on OK!!!

However, if you are curious, as I am, and you click on ok and answer the three questions, and as a reward you are offered a few FREE products, of which you could choose one or two and only pay for shipping, think TWICE before you give out your credit or debit card information thinking you will only be charged for the shipping! Chances are you might be charged for much more. Of course, some “free offers” might be legitimate. It is up to us to make a choice and take a risk.

Could we have the best of both worlds?
What do I mean by it? If I feel the free product is something I really, really could not live without and I want it so much, I’m willing to risk, there is a way to avoid being totally scammed…

How to risk without risking being scammed?

Buy a PREPAID CARD with a very low limit. Of course, the lower the limit, the smaller the risk!

This is a perfect illustration of the proverb:
Better safe than sorry!

Enjoy your hard earned money and please share with us your experiences and tips!

Buyer BEWARE! How to Protect Ourselves Against ALL SCAMS

Scams! They could be dating, IRS or skin care products, in other words, no area is OFF LIMITS FOR SCAMMERS!!!

The beginning of my involvement with “scams,” was back in 2013 when I decided to share with my readers what happened to me, so it would not happen to them too!

At the time, I posted about an unfortunate and costly experience I had when I was naive enough to believe that a product would be mailed to me as a “trial,” for the cost of the shipping and handling only, a reasonable $4.95, but once the company had my credit card number, they started charging monthly amounts, close to $92.95 and not a one time $4.95!

We are now in 2017 and 1,600 comments later, of which approximately are about other people’s experiences of being scammed, I decided to revisit the topic in an attempt to share for everyone’s benefit what I have learned in the last four years from you, the people who cared enough to share their experiences, so that others might be spared the financial and emotional distress, and also what I continued to experience personally in the area of the never ending scamming world we live in!

At first, I attempted to write about a comprehensive list of a majority of companies to avoid. Their names and how they operate. Soon, I discovered these companies CHANGE THEIR NAMES once enough people become aware of their operation. At that point it became useless to even try and compile a list of probable scammers.

Given the proliferation of such businesses, there are a few easy ways to protect ourselves against ALL SCAMS. Of course, nothing is guaranteed, but here are a few suggestions:

1. Buy a PREPAID CREDIT CARD with a small limit and use that card exclusively for your internet purchases. By doing this, at least you avoid large losses.
2. Do business and purchase only through reputable companies which will stand behind the companies they represent. The two reputable umbrella companies that come to mind are Groupon and Amazon.
3. If it looks too good to be true, it probably is! Once I purchased a beautiful, inexpensive jacket from an unknown company. The jacket arrived as expected, but two weeks later, my credit card number was used outside the U.S. and purchases of over $1,000 were made.
4. It is important to belong to a good bank or credit union. What do I mean by it? Over the years, many people reported that their financial institutions refused to dispute in their name. A good financial institution, after you, personally, try and fail to resolve the issue, will stand with you and investigate the issue.
5. If you used a card with a high limit and not as suggested a prepaid card with a small limit, IMMEDIATELY report to your financial institution and have them send you a NEW CARD with new numbers.

A few words about phone scams.

Honestly, in order to be scammed by phone, one MUST first answer the phone. My logic is simple: If it is legitimate and important, they will leave a message. Of course, some scammers have the nerve to leave threatening messages.If you receive such a message, consult with someone you trust about the message or report it to your local authorities.

I guess, I am running out of tips:) but I hope the above helps and I encourage you to continue and share with the community YOUR OWN PREVENTION TIPS and stories.

To a safer world!


I have notice a surge in both searches of various skin care products under various names. They CHANGE BOTH PRODUCTS AND  LOCATIONS. The BILLING seems to be done in Nevada or Florida, but the products come from warehouses in Florida, California and NJ.!

Reading the many recent comments, it looks  most banks which were willing to investigate and REFUND their clients the losses, NO longer help or investigate these economic crimes! I am assuming they are overwhelmed by the numbers of people scammed.

Under these sad circumstances, I suggest:

Immediately CHANGE the credit card, so further charges may not go through.

If you could put the charges on a card with  a VERY low limit so they will not have the chance to charge more money.


DO NOT give your information to these shady companies asking for shipping costs ONLY. ALL THEY WANT IS YOUR CARD NUMBERS TO CHARGE MORE.

Finally, I think we all need to see where are the locations of these scams and make complaints to FTC and also at their respective State levels.

Each state gas an ECONOMIC FREUD DEPARTMENT which  must to be alerted s the scam, it seems expanded internationally.


These were just some ideas I hope help.

When I first wrote about Rejuva and DM creams  and what happened to me, I had NO idea my share will help so many people.

I am grateful for this community fighting scams in whatever forms they touch our lives.

 IT Remains the goal of this site to post and alert its friends and subscribers to various life-issues and give suggestions of HOW to either avoid them, or learn tips to make our lives better in all AREAS!

Your active participation, comments and likes, give me a chance to look deeper into what matters to YOU, thus posting more useful information.

Please continue to be active. This is how we all grow and learn to do the best for our lives!

IRS SCAMS! Bogus phone calls and emails! Who Is Uncle Sam?

Many, many, MANY years ago, when I came to the U.S. from Europe, my first job was in the insurance industry, of which I knew nothing at the time, but passed a test which showed “potential.” In the process of being trained as an insurance agent, I was using a scripted presentation with all my “prospects.” It didn’t take me long to notice that all of them expressed an undeniable interest when, following my script, which I didn’t understand, I asked them:

” How do you like to give half of what you make to Uncle Sam?”

The look on their face was self-explanatory. They didn’t even have to speak, to say: “NO! We don’t want to give 50% to Uncle Sam!”

This single line was by far my key to becoming a successful sales person. However, I wished I knew who was uncle Sam and how come all of them seem to have the same uncle… or was Sam a common name… Half into my training, I dared ask my boss, who was the mysterious Uncle Sam and why did all my clients have an Uncle Sam, and most importantly, why would they have to give 50% to this Uncle. The explanation was long and I fully understood it when I filed my first tax return.

Many years have passed since, and as time went by, I also learned popular sayings, such as, “Only two things are certain, taxes and death,” and others, but they are irrelevant for this post which hopefully will help us recognize and avoid IRS scams, known to be one of the most prolific and dangerous. What is relevant is that taxes and IRS are to be taken seriously. This is one of the reasons the scam is still going strong, taking advantage of people’s good faith and willingness to do right.

The IRS has seen approximately a 400 % increase in incidents of phishing and malware for the 2016 tax season. In other words, the chance that a fake IRS agent will try to scam you is high. It happened to me yesterday and like most unpleasant events, I didn’t think it could, until it did!
Fortunately, I have heard detailed descriptions of the IRS scams so many times that I didn’t panic and reported the incident with the hope that those in charge will take adequate measures and protect us.

In short, here’s what happened:

I received a call and the caller id indicated a Washington, D.C. area code (202)
As a rule, I don’t answer calls if I don’t know the callers because if it’s legitimate, they will leave a message. This caller left a message… I guess, the rule is that there is no rule!

I listened to the message, and just as the “Scam Fighters” on the evening news warned, the man who left the message used threatening language, meant to trigger anxiety in even the most laid back person… What IF?

Here are a few of the words the impersonator used:

‘You are the primary suspect… a time sensitive matter… you or your attorney must call me back immediately, or there will be legal consequences…’
While the IRS “agent” repeated the phone number where I was supposed to call back, he never stated his name or a badge number. Unfortunately, even if he would have, the mention of a name or badge number are also known scams meant to gain the trust of the prospective victim.

Instead of calling the area code (202) supposedly an IRS phone number, I emailed and filed complaints with several agencies which protect us.

I’m sharing the information in hopes, IF it happens to you, having it handy will save time and make reporting the scam easier.
I emailed phishing@irs.gov
Filed an online complaint with the Federal Trade Commission (FTC) which protects consumers
You might also contact The Treasury Inspector General for Tax Administration (TIGTA)
Whether you email, file a complaint or write a letter, write in the SUBJECT LINE:

The web site which has updated information is:

The crooks continue to change their operation procedures. We already know about sites that imitate the original web sites, but the nuances are so small, we might not notice them!

It’s all in a dot or the lack of it!

For instance, THE ONLY DIFFERENCE between the real IRS web site, and a fake one (which was discovered and taken down) was . (A DOT!!!) The real web site had a dot: irs.gov
while the fake site didn’t:irsgov!!!


If you receive a call and don’t answer it, if you don’t recognize who is the caller, the impostor will eventually go away. At least you will have time to think if the call makes sense.

If you receive an email, don’t click on any links, thus eliminating the possibility to end up on a fake site.

As a general rule, such serious matters are not discussed via phone calls and emails, but through mail and most likely, certified mail, which is proof of receipt.

As I was doing research for this post, to make sure I provide you with real and up-to-date information, I came across a NEW IRS type of scam, which in my opinion has the potential to be more dangerous than any of the ones we are already aware of and as a result, we know how to protect ourselves.

The NEW SCAM targets the TAX PREPARERS!!!

As I understand, it comes as an email asking our accountant, who prepared our taxes, to update their e-file(s).

Since I was declared by the IRS agent impersonator who called me from DC “the primary suspect,” of a fictitious crime, I want to live up to his expectations…it seems, the title bestowed upon me, implies certain sophistication and knowledge of the topic discussed. I hope, I am not disappointing.

If you would like to ADD any details, or share a pertinent story, please do so. Unfortunately, this is a process which is continuously changing and to stay safe, we need to be aware and alert.
Have a blessed weekend and stay safe!