PLEASE CLICK ON THE BANNER OR TEXT THAT YOU WANT TO SEE....
The subjective experience of "beauty" often involves the interpretation of some entity as being in balance and harmony
with nature, which may lead to feelings of attraction and emotional well-being.
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In its most profound sense, beauty may
engender a salient experience of positive reflection about the meaning of one's own existence. An "object of beauty" is anything
that reveals or resonates with personal meaning. Hence religious and moral teachings often focus on the divinity and virtue
of beauty, and to assert natural beauty as an aspect of a spirituality and truth.
New Credit Card Scam :Snopes.com says this is true. This one is pretty slick since they provide YOU with all the information,
except the one piece they want.
Note, the callers do not ask for your card number; they already have it. This information is worth reading. By understanding
how the VISA & MasterCard Telephone Credit Card Scam works, you'll be better prepared to protect yourself.
One of our employees was called on Wednesday from "VISA", and I was called on Thursday from "Master Card".
The scam works like this: Person calling says, "This is (name), and I'm calling from the Security and Fraud Department
at VISA. My badge number is 12460. Your card has been flagged for an unusual purchase pattern, and I'm calling to verify.
This would be on your VISA card which was issued by ( name of bank). Did you purchase an Anti-Telemarketing Device for $497.99
from a Marketing company based in Arizona?"
When you say "No", the caller continues with, "Then we will be issuing a credit to your account. This is
a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most
cards. Before your next statement, the credit will be sent to (gives you your address), is that correct?"
You say "yes". The caller continues - "I will be starting a Fraud investigation. If you have any questions,
you should call the 1- 800 number listed on the back of your card (1-800-VISA) and ask for Security.
You will need to refer to this Control Number. The caller then gives you a 6 digit number. "Do you need me to read
it again?"
Here's the IMPORTANT part on how the scam works. The caller then says, "I need to verify you are in possession of
your card." He'll ask you to "turn your card over and look for some numbers." There are 7 numbers; the first
4 are part of your card number, the next 3 are the security Numbers' that verify you are the possessor of the card. These
are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the
3 numbers to him. After you tell the caller the 3 numbers, he'll say, "That is correct, I just needed to verify that
the card has not been lost or stolen, and that you still have you rcard. Do you have any other questions?" After you
say, "No," the caller then thanks you and states, "Don't hesitate to call back if you do", and hangs up.
You actually say very little, and they never ask for or tell you the Card number. But after we were called on Wednesday,
we called back within 20 minutes to ask a question. Are we glad we did! The REAL VISA security Department told us it was a
scam and in the last 15 minutes a new purchase of $497.99 was charged to our card.
Long story - short - we made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What
the scammers want is the 3-digit PIN number on the back of the card. Don't give it to them. Instead, tell them you'll call
VISA or Master card directly for verification of their conversation.
The real VISA told us that they will never ask for anything on the card as they already know the information since they
issued the card! If you give the scammers your 3 Digit PIN Number, you think you're receiving a credit. However, by the time
you get your statement you'll see charges for purchases you didn't make, and by then it's almost too late and/or more difficult
to actually file a fraud report.
What makes this more remarkable is that on Thursday, I got a call from a "Jason Richardson of Master Card" with
a word-for-word repeat of the VISA scam. This time I didn't let him finish. I hung up! We filed a police report, as instructed
by VISA. The police said they are taking several of these reports daily! They also urged us to tell everybody we know that
this scam is happening.
There are moments in life when you miss someone
so much that you just want to pick them from our dreams and hug them for real!
When the door of happiness closes, another opens;
But often times we look so long at the
closed door that we don't see the one,
Which has been opened for us
Don't go for looks; they can deceive.
Don't go for wealth; even that fades away.
Go for some one who makes you smile,
Because it takes only a smile to
make a dark day seem bright.
Find the one that makes your heart smile.
Dream what you want to dream;
Go where you want to go;
Be what you want to be,
Because you have only one life
And one chance to do all the things
You want to do.
May you have enough happiness to make you sweet
Enough trials to make you strong,
Enough sorrow to keep you human and
Enough hope to make you happy.
The happiest of people don't necessarily
have the best of everything;
They just make the most of
Everything that comes along their way.
The brightest future will always
be based on a forgotten past;
You can't go forward in life until
you let go of your past failures and heartaches.
When you were born, you were crying
and everyone around you was smiling.
Live your life so at the end,
you're the one who is smiling and everyone
around you is crying.
dedicated:
To those who have touched your life in one way or another;
To those who make you smile when you really need it;
To those who make you see the brighter side of things when you are really down;
To those whose friendship you appreciate;
To those who are so meaningful in your life.
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Thank you so much. I sincerely hope you had a wonderful time.
