BAHAYA !! Scam e-mail ~ Winner ￡1,000,000.00 GBP

Scam e-mail ~ Winner ￡1,000,000.00 GBP

Tujuan email nie hanya untuk perdaya orang ramai..mereka ni mencuri maklumat peribadi terutama no telefon yg anda beri..silap haribulan bil telefon mendadak naik.. so abaikan sekiranya anda dapat email nie… Contoh Scam email seperti dibawah :-

From: Microsoft Promotion Award Team [mailto:Mrs_Tessy@microsoft.co.uk]

Sent: Monday, February 08, 2010 7:28 PM

To: undisclosed-recipients

Subject: *PAYMENT OF PRIZE AND CLAIM*

Yahoo/Msn Lottery Incorporation

10 Bina Gardens,South Kensington,

London.United Kingdom.

Dear Winner,

We are pleased to inform you of the result of the just concluded draws held on the{8th Of February,2010} by Yahoo/MSN{Hotmail} in conjunction with Ipod Worldwide Promotion.

Your email was among the 20 Lucky winners who won ￡1,000,000.00 GBP{One Million Great Britain Pounds} each in the Yahoo/MSN{Microsoft} 2010 Online Promo. This draw is being organized to create and improve a larger awareness record for internet users worldwide.

However the results were released on the {16th Of February,2010}and your email was attached to ticket number (7PWYZ2008) and ballot number

(BT:12052008/20) with Winning number(YM09788) and Reff number.

(YM35447XN) The online draws was conducted by a random selection of email addresses from an exclusive list of 29,031,643 E-mail addresses of individuals and corporate bodies picked by an advanced automated random computer search from the internet. However, no tickets were sold but all email addresses were assigned to different ticket numbers for representation and privacy.

The selection process was carried out through random selection in our computerized email selection machine (TOPAZ).

This Lottery is approved by the British Gaming Board and also licensed by the The International Association of Gaming Regulators (IAGR).This lottery is the 3rd of its kind and we intend to sensitize the public.

To begin the claim processing of your prize you are to contact the Online Co-ordinator and provide him with the following informations as stated below, so we can proceed with the verification and clearance process of your file.

1. Full Names : ...........................

2. Residential Address :...................

3. Phone Number:...........................

4. Fax Number :............................

5. Occupation : ..........................

6. Sex :..................................

7. Age : .................................

8. Nationality:...........................

9.Ballot No. :............................

10.Ticket No.:............................

HOW WILL YOU LIKE TO RECEIVED YOUR WINNING PRIZE?

(A) BANK TRANSFER-------------

(B) CHEQUE DELIVERY----------

Mr.Thomas Lampard

Microsoft Promotion Award Team

E MAIL: info.msoftedition7@yahoo.com.hk

*You are adviced to forward these informations as soon as possible to enable us attend to your file.

This email is registered and sent only to a certified Yahoo/MSN{Microsoft} promo winner.

You are to keep this award strictly from public notice until your claim has been processed and your money remitted to you.

This is part of our security protocol to avoid issues of friends or relatives trying to claim a prize on the rightful winner's behalf.

Our special thanks and gratitude to Bill Gates and associates.Accept our hearty congratulations once again.

Yours Faithfully,

Mrs Tessy Dan

Head Of Council

Verifications Dept.

Tips - How To Be Good With Money

Most of us probably resolve to be more sensible with money in these times. We're going to live frugally, save regularly and not go into the red. But, myteriously, within a few months we seem to have run up a credit card debt and blown our savings on aholiday. The truth is that you don't need cast-iron dicipline or the wisdom of Warren Buffett. Here are some easy steps to get you from profligate to prudent this year - while still enjoying life.

Finds out if your books balance.
get out all your bank statements and work out how much you've earned - include benefits and interest savings - and how much you've spent overthe past year.

Bank onlines and check your balance twice a week. This will give you a clear idea of what's going in coming out.

Junk useless direct debits. Don't just go on paying for that life cover you don't need.

Build up a rainy-day fund. Set up a monthly direct debit to put money aside in a high-interest account.

Organise all your payments. Have your direct debits going out just after your sallary is paid in. The resris yours - to transfer into a savings account paying better rate of interest than your current account. Transfer back as and when you need extra cash.

Buy now, pay at once. If you can't afford something on month, with until the next

Use your credit card sparingly. Pull out the plastic when you absolutely have to have that half-price dress in the sales. But always pay it off before it incurs any interest.

Always shop around when contracts like your internet smd mobile phone service provider - come up for renewal. Dont forget to ring your existing provider to see if it can offer you something better.

Buy treats with reward points schemes. Use all those points you've accumulated on your various cards cards to give yourself a treat. Spoil yourself - after all, you deserve it.

Tips - Spending too much?

Here are the basics of the challenge:

Step 1: Figure out how much cash you need to cover a week's worth of gas, groceries, entertainment, dinner on the town, breakfast at McDonald's, books, music CDs, cosmetics, gifts -- the whole gamut of casual expenses.

Step 2: Be honest. Don't deliberately overestimate so that you're sure to have enough cash to get through the week.

Step 3: Set the anticipated amount aside and don't use debit or credit cards.

If you get through the week with the cash set aside, congratulations! If you need to make a trip to the ATM, it's OK. Review your purchases and see where you could have trimmed costs. This is about developing a mind-set where you seriously consider daily cash expenditures. It can lead to more money in your savings account and long-term financial plans that stay on track.

Tips - The Road To Managing Your Debt Wisely

1. Control the use of Credit Cards
The golden rule in using Credit Cards: “Treat them like Cash!” If you don’t have the cash NOW to purchase something, don’t even think about taking the credit card out of your wallet! Using the credit card in such circumstances is essentially spending future income which may not be payable in full later. And this is the start of getting ourselves straight into the Debt-Trap. If you don’t trust yourself, then don’t bother having one or if you already have a few, cut them up before they cut into your bank account!

2. Know where your money is flowing
If you can’t track it, you can’t manage it! Develop a habit of recording all your expenses for the month. You may write it down in the “555 Pocket Book” or the PDA (for the tech savvy people). It is also a good practice to keep receipts. Add up your expenses and assess if you have overspent, by comparing it to your income. Analyze those items that are taking the most money out of your pocket and see if you can do anything about them. You’d be surprised how much you’re spending on those cigarettes, movies and “branded coffee”! The main thing is to never spend more than you make!


3. Minimize the “Nice-to-Haves”
One of the reasons people fall into the Debt-Trap is they don’t know how to distinguish between the “Need-to-Haves” and “Nice-to-Haves”. Food, clothing, home, life and health insurance and the like are Needs. You don’t need a pack of cigarettes a day. You don’t need a RM10 cup of coffee a day. You don’t need to wear branded clothes all the time. You may not even need satellite TV or that 42” Plasma/ LCD TV. Go through your spending record and identify items that can be cut. Sacrifices have to be made and the larger the debt or the smaller the income, the bigger the sacrifice.


4. Create a Budget
No country runs without a budget; neither should you. One of the most effective ways of managing our debts wisely is through proper budgeting. A budget gives us a “preview” of our financial position so that we can roughly estimate whether we would have a surplus or deficit. If our budget already shows a deficit, drastic actions have to be taken – you could either increase your income or cut out the “Nice-to-Haves”. In any case, a Budget is actually a Spending Plan that allows you to spend on areas that matters the most to you whilst ensuring that you don’t overspend.


5. Look for Cheaper Alternatives
Revisit your monthly budget and see if you can use any other cheaper alternatives for the necessary items. For example, toothpaste – can we switch to brands which give better value for money? Check its net weight and decide on purchasing the brand that gives you the same value for a lower price. Sometimes, cheaper may not always be better. What we should be looking out for is Value-for-Money. Is it cheaper and faster to take the public transport instead of driving? Is it better to shop for Christmas gifts much earlier, like during the Mega Sale instead of waiting till year-end? Think of creative ways of cutting your expenses and yet maintaining your quality of life. This can be fun too! Get your family involved by asking them to suggest and reward the person with the best idea.


6. Stay away from Temptations
As the saying goes, “Out of Sight, Out of Mind.” Many times when we go shopping for our groceries, we end up buying things that are not on our shopping list. This phenomenon is worse when we have kids around us. They tend to throw in a candy or a toy into the shopping cart and before we know it, we have spent more than we budgeted for. Parents are partly to be blamed as they too can be tempted to buy things that they do not need. Unable to resist the magnetic pull of products on discount, ice-cream, potato chips and that pair of sandals on offer get “drawn” into their shopping cart! And we can always justify our actions by rationalizing that “It’s on OFFER!” or “I’ll not buy anymore sandals for the rest of the year!” but… we’d know better! So, stick to your shopping list and keep everything else out of sight!


7. Remember to Reward Yourself
“All work and no play makes Jack a dull boy,” so goes the saying. Managing our debt and getting out of it is hard but it doesn’t have to be painful. Once in a while, you should reward yourself by buying yourself a well-deserved gift or treating yourself to a good hearty meal. By rewarding ourselves, we’d feel motivated to stay on track. You can actually organize a potluck at your place instead of going out to eat and amaze your friends with your culinary expertise. Have picnics with your family and think of creative games or activities that you can do as a family. Make this whole exercise as fun as possible and after a while, you will come to realize that a lot of the best things in life are free.
Source : Credit Counseling & Debt Management agency (AKPK)