Paypal email #scam

I received this ‘phishing’ scam in my inbox this morning. It’s supposed to be from Paypal, and the ‘hook’ is that my account has been limited or suspended. When I looked at the email more closely, however, I noticed that:

• the sender was NOT from Paypal
• the email did NOT address me by name
• and the whole email was funneling me towards the big, blue link you can see below

 

 

Seems pretty obvious, right?

Actually, despite having seens hundreds of these scam emails in my time, I still felt a moment of fright when I read this one. Why? Because I use Paypal for most of my online purchases, so the threat of having that service removed hit me where I live.

Unfortunately, that moment of fright is exactly what makes phishing email scams work. The scammers send out millions of these emails at random in the hope that a few will reach people who actually use the service [like me]. Then there is a chance that some of those people will be fooled into clicking the link in the email.

But what happens next?

I haven’t done this personally, but from my research it appears that the link takes you to a website that is made to look exactly like the real thing. Once on the website, you are asked to login with your account ID and password. The fake login will fail, of course, but by then the scammers will have exactly what they want – the account information of another victim.

So never EVER follow a link from an email to a financial account, even if the email looks 100% genuine. Always navigate to the website manually – i.e. by typing in the address in the address bar of your browser or by clicking a ‘Favorite’ that you have set up for yourself. Do not give in to the kneejerk reaction triggered by fright.

I know I harp on about these email scams like a cracked gramophone record [anyone remember them?]

but there are new people coming online every day, and they are at risk from these scammers. Please spread the word when you can.

cheers

Meeks

One internet identity to bind them all…

One of the things I dislike about using social media is the need to constantly login – to my email, my wordpress account, Twitter, Goodreads, Facebook [on the very rare occasions when I do] and the odd, ‘private’ blog or website. All of these logins require time and some effort on my part [what the heck was my password for Facebook again?] so wouldn’t it be nice if we could have one ID that was like a digital passport [and valid everywhere]?

-cringe-

Okay, I can hear the howls of outrage all the way across the world, but…but…isn’t it time we tamed the Wild Wild West? At least a little?

In my imagination I see something a bit like Paypal, except that it would be a paid service so we could sue if anything went wrong.

What I do not see is this identity being controlled by any government agency. It’s not that I’m such a great believer in corporate honesty, it’s more that I don’t believe in giving governments any more power than they already have.

So what do you think? Would a global ID be a deal with the Devil? Or could it be a way to rationalise our digital lives? [Discuss]

Digital cookies to the first, best dressed answer. 😀

cheers

Meeks

 

How to send money using Paypal

Many years ago the only way you could send money overseas was by telegraphic transfer and even with e-banking it was a convoluted process involving scary things like SWIFT codes. It was also expensive as each transaction cost about $20. Today I’ve discovered a cheaper and easier way using the Paypal ‘Send Money’ feature.

I love sharing information so I thought I’d do a step-by-step tutorial for anyone else not familiar with the process. And if you are one of those wonderful people who would like to donate to the Pennant Park Project that I posted about yesterday, then this is for you as well!

[Note : the following presumes that you have a Paypal account already. If your recipient doesn’t have an account they will be prompted to open one so they can receive the funds.]

Step 1  Log in to Paypal

Step 2  Click on the Send Money tab next to ‘My Account’.

Step 3  Enter the email address of the person you wish to send money to.

Step 4  Enter the amount you wish to send.

Step 5  Click on the small arrow next to the currency box and scroll down until you find the currency you wish to use. [I use Australian dollars so I don’t have to mess around with currency converters. This way Paypal will do the conversion for me.]

Step 6 Near the bottom of the window you will see two tabs : Purchase and Personal. Click on the Personal tab.

Step 7 Click on whichever Personal option you prefer. I chose ‘Other’.

Step 8 Click the orange Continue button.

One last window to complete and you’re done!

Down near the bottom third of this new window is an area called ‘Email to recipient’.

Step 9  Type ‘Pennant Park‘ in the subject line.

This is very important as it will tell your recipient what the funds are for. If you leave the subject line blank your money/donation will still reach your recipient but they may have a hard time knowing it has arrived and there’s nothing worse than having to go through a bank statement line by line.

Add a message if you wish.

Step 10 Click the ‘Send Money‘ button and that’s it, easy peasy!

So next time you want to send someone a gift or to make a donation to a worthy cause all you will need is Paypal and the email address of the recipient. It really couldn’t be any easier. 😀