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Safe Toys
I learned that the toy guitar I used to illustrate noisy toys in the story above had been souped up. It's called bending a circuit. Hackers take toy electronics and alter them to make distinctive sounds. There are musical groups--including one in Madison--that use these devices.
One of the things that hackers may do is drill a hole in the toy and then stick a finger inside to alter the sound. Obviously, this could be trouble if the device is plugged into the wall.
Click here, and you can check out circuit benders--one actually uses his son to alter a guitar's sound.
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Zillow's Home Values/Sales Report By State/City
Zillow.com You can also see a photo of your house and neighborhood here.
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Suggestions On Fighting Fake Check Scams
In recent weeks, consumer protection has warned consumers about the Publishers Clearinghouse scams which involve fake checks. MSNBC Consumer Reporter Herb Weisbaum recently wrote about this scam and had some interesting observations about MoneyGrams and banks:
There are plenty of warning signs this prize notice is a scam. The most obvious one: You are required to send money. No legitimate contest ever requires you to buy something or pay any money.
Then there’s the check that comes with the award notice letter. It always has the name of some unrelated company on it – such as a funeral home in North Dakota or a collision shop in California – not Publishers Clearinghouse. Why? The bad guys steal the names and account numbers of real companies to put on their fake checks so they won’t bounce as soon as you deposit them.
And then there’s the strange instruction you get about wiring the money. You’re told not to mention that you’ve won the contest. You’re supposed to say you’re sending money to a friend or relative. That should make warning sirens go off.
Willard Hart, director of fraud at MoneyGram International says this is done to fake out their agents who will question the transaction if you say you’ve won a contest or lottery. “What the bad guys are trying to do is give their victims a set answer to keep the transaction going,” he explains.
Trying to attack the problem
Consumer groups, businesses and government regulators have formed a task force on fake checks. Susan Grant, director of consumer protection at the Consumer Federation of America chairs this task force.
I asked her if she believes the banking industry should do more to protect their customers from these fake check scams. Her response: “Banks clearly need to do more.”
Grant has high praise for West Suburban Bank in the Chicago area. It reduced this check fraud by 85 percent in one year by instituting a simple policy. Every customer who deposits a check for $1,000 or more or withdraws $1,000 or more gets a flyer about fake check scams. “It’s simple and effective,” Grant says.
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