Showing posts with label money scams. Show all posts
Showing posts with label money scams. Show all posts

Tuesday 23 June 2020

What I love about Gmail

Photo by Kon Karampelas
There are hundreds of email clients and a few big names ones like Outlook, Mail, Yahoo, Gmail, and the 32 described here, probably the tip of a large iceberg.

There are also numerous subscription email clients like ProtonMail that also have free (limited) versions. 

Many of them are no doubt excellent but if you've been using the same client for years, perhaps it's time to review whether it is doing exactly what you want. Or perhaps you want an alternative email account for a business, sports club or another specific purpose.

For example, you may want a "conservative" account for business purposes and a less conservative account for general communication. When I was involved in recruitment for an Australian Government agency, you'd be surprised at the number of email addresses that applicants submitted that were really inappropriate eg, "hotrodjamie@something.com" or "pleasurepuss@something.com".

It's not a good look when you're applying for a job!

Why I love Gmail

I've tried numerous email clients throughout the years and I love Gmail because it's:
  1. easy to load and use
  2. available on all my devices
  3. available to use offline
  4. capable of using encryption for all messages
  5. capable of providing rules for filtering
  6. able to send "out of office" messages
  7. has a confidential mode
  8. allows multiple addresses to be used receiving and sending email
  9. is free with plenty of storage
  10. able to download and distribute large attachments
There are several features you may not know about, so I'll briefly explain those.

Encryption

Some email clients provide it, some don't.

Encryption means that between you and your recipient, your message is encrypted and if intercepted by a third party, cannot be read. These days, this should be a necessity.

Confidential Mode

This is another great capability designed to improve security and privacy.

With confidential mode you can:

Prevent your messages being forwarded, copied, printed or downloaded, set an expiry date and require a passcode to access. The code can even be sent to a recipient via SMS.

These features are recommended when sending information that is sensitive. For example, if I sent my bank account details to someone, I can use confidential mode.

The expiry feature means that a day or two after I send it, nobody else will be able to access it.

With ordinary email, although it's encrypted during transit, while it sits in your email sent box and your recipient's inbox, it's vulnerable to being viewed by someone else using your device or who may have hacked into your device.

It's an excellent feature and one you shouldn't live without.

Multiple Addresses

There are two parts to this topic. One is about your email address that can use a suffix and the other about the different incoming and outgoing addresses you can use.

First - Gmail provides a capacity to add a suffix to your existing address eg, say your address is charlie@gmail.com. You decide to sign up to a subscription with G-Man Magazine. Instead of using your charlie@gmail.com address as is, you could use charlie+gman@gmail.com.

Adding the suffix provides several benefits. You can use as many as you want for different people and organisations and when you receive them use a Rule to Filter them into a specific Folder. 

If you find a specific address you have allocated is spamming you, you can set up a Rule to Delete the messages when they arrive. You can also contact the organisation to which you provided your address and inform them about the spam.

There are several other alternative characters and options you can use. If you want to explore it further, look in the Gmail Help section.

The second option relates to alternative email addresses you might have. You can do this:

  1. Set up another Gmail account and redirect it to your charlie@gmail.com inbox. My wife and I use this setup. We have a formal address we use for business matters such as dealing with banks, insurance companies etc. I explain how it works below
  2. Receive email from alternative email client accounts in your Gmail inbox and send replies using that account's email address and not your Gmail address
Case Study A

Belinda and Charlie DOE are a couple. They share a common email account for their combined business and family affairs and have separate accounts for themselves to use with friends.

Their common "formal" email address is: bandcdoe@gmail.com

Belinda's personal email address is: belinda@gmail.com
Charlie's personal email address is: charlie@gmail.com

They have set up their respective personal accounts ie, belinda and charlie to receive everything sent to bandcdoe@gmail.com. Every formal email that involves their family goes to each of the inboxes so both Belinda and Charlie know what is happening. They never have to check the bandcdoe account because it has been set up to forward every incoming message to both of them.

When either party replies from their personal accounts, the recipient will see that it came from the joint formal address. However, if one partner sends an email from the formal address and wants the other partner to know, they need to CC or BCC them at their personal account.

Case Study B

Belinda has a cosmetics company called BC Cosmetics. She uses a Microsoft Outlook account for all company correspondence. Her address is info-bcc@outlook.com.

Belinda decides she doesn't want to open her Outlook account every day to check her email, so she has set up Gmail to receive email sent from her Outlook account in her personal belinda@gmail.com account. 

She's also set up Gmail so that when she replies or sends a message from BC Cosmetics via her Gmail account it appears to have been sent from her Outlook account.

Conclusion

Using the features provided by Gmail can make your communications efficient and uncomplicated. I've been using Gmail since it first appeared and have not come close to filling the free 15 GB storage capacity it offers.

Another serious consideration is the encrypted email. According to Australia's Scamwatch businesses are being scammed when, "Scammers intercept legitimate invoices and change the details to include fraudulent payment information. The recipient will pay the invoice as normal and not realise they have been scammed.”

You cannot afford to use email that doesn't encrypt before sending.

Thursday 2 April 2020

The Great Covid-19 Lockdown

When you're self-isolating or under health department orders to isolate, it's important to retain your sense of humour and perhaps catch up on some of the things you've been putting off.

Someone spent a bit of time producing this valuable sign to remind us to social distance.

At this end, I've advertised on Gumtree a couple of items I no longer want. One attracted an attempt at fraud, which is reasonably common on Gumtree and elsewhere.

This scammer wanted me to send money to a transport company (via wire to the Philippines no less) that she would include in the price she was going to pay for the goods. The idea being that she works on a vessel off the coast of New Zealand and didn't have access to her credit cards etc.

After 12 years of police service, I'm not naturally a trusting person. I decided to go along with the charade long enough to get all her emails which I have used in an article about scammers with actual examples. Obviously I never sent any money anywhere.

One fellow who lives nearby lost $4,000 in the same type of scam when buying a motorcycle apparently stored in another state. How one could be so gullible is anyone's guess.

While researching for the article I'm writing, I found from Scamwatch Australia that Australians were screwed out of $28.6 million on relationship scams alone. People under 25 years lost a staggering $5 mllion.

The message for all of us is to use due diligence when someone asks for money.