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Oct 9, 2011
New Credit Card Scam
This has been verified as a real scam. 
Click on the Snopes address below and read about it.
Just a heads up for everyone regarding the latest in Visa fraud. 
Royal Bank  received this communication about the newest scam.
This is happening in the Midwest right now and moving.
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.
The scam works like this:
Person calling says - 'This is (name.)
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, and the last 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 last 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 your card. 
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, we called back within 20 minutes to ask a question.
Are we were 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.
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 will never ask for anything on the card.
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 the next day,
I got a call from a 'Jason Richardson of MasterCard'
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.
I dealt with a similar situation this morning, with the caller telling me
that $3,097 had been charged to my account for plane tickets to Spain ,
and so on through the above routine.
It appears that this is a very active scam, and evidently quite successful.
Dennis R. Moore
Neighborhood Watch Coordinator
Sand Creek Division
Colorado Springs Police Department
4125 Center Park Drive, Colorado Springs, CO 80916
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Posted: Oct 9, 2011 10:49am
Sep 7, 2011

 the Center for Biological Diversity launched a new national campaign,7 Billion and Counting, to highlight the devastating effects of the world's exploding human population on wildlife around the globe.

The United Nations predicts that the world population will hit 7 billion by the end of October. There's never been a better moment to speak out about overpopulation, and the Center is the only environmental group making the direct connection to plant and animal species extinction.

Our new website,, will support you in taking action online, offline and in your community. Major pieces of this campaign will include a powerful new video in New York City's Times Square, distribution of 100,000Endangered Species Condoms, an interactive map to find endangered species where you are, and a guide to hosting your own 7 Billion and Counting event.

We're looking for 1,000 volunteers to help us get our free Endangered Species Condoms out in every state across the country. Click here today to enter your current mailing address and contact information so we can get you first in line to distribute this October.

We'll have more campaign updates in the coming months, including more ways you can be involved. If you're on Facebook, our new campaign page is another great way to continue finding out more about our actions.

Thank you for your support.

Kierán Suckling
Executive Director
Center for Biological Diversity
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Posted: Sep 7, 2011 4:43pm
Mar 26, 2011
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Posted: Mar 26, 2011 9:22am
Mar 26, 2006

"According to the Defense Department's annual "Base Structure Report" for fiscal year 2003, which itemizes foreign and domestic U.S. military real estate, the Pentagon currently owns or rents 702 overseas bases in about 130 countries and HAS another 6,000 bases in the United States and its territories."

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Posted: Mar 26, 2006 9:14pm
Mar 7, 2006
The following is an actual question given on a University of Washington engineering mid-term. The answer was so "profound" that the Professor shared it with colleagues, and the sharing obviously hasn't ceased...

Bonus Question: Is Hell exothermic (gives off heat) or Endothermic (absorbs heat)?

Most of the students wrote Proofs of their beliefs using Boyle's Law, (gas cools off when it expands and heats when it is compressed) or some variant. One student, however, wrote the following:

"First, we need to know how the mass of Hell is changing in time. So we need to know the rate that souls are moving into Hell and the rate they are leaving.

I think that we can safely assume that once a soul gets to Hell, it will not leave. Therefore, no souls are leaving. As for how many souls are entering Hell, let us look at the different religions that exist in the world today. Some of these religions state that if you are not a member of their religion, you will go to Hell.

Since there are more than one of these religions and since people do not belong to more than one religion, we can project that all souls go to Hell. With birth and death rates as they are, we can expect the number of souls in Hell to increase exponentially.

Now, we look at the rate of change of the volume in Hell because Boyle's Law states that in order for the temperature and pressure in Hell to stay the same, the volume of Hell has to expand as souls are added. This gives two possibilities:

1. If Hell is expanding at a slower rate than the rate at which souls enter Hell, then the temperature and pressure in Hell will increase until all Hell breaks loose.

2. Of course, if Hell is expanding at a rate faster than the increase of souls in Hell, then the temperature and pressure will drop until Hell freezes over.

So which is it?

If we accept the postulate given to me by Teresa Banyan during my Freshman year, "...that it will be a cold day in Hell before I sleep with you.", and take into account the fact that I still have not succeeded in having sexual relations with her, then, #2 cannot be true, and thus I am sure that Hell is exothermic and will not freeze."

This student received the only A.

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Posted: Mar 7, 2006 4:06pm


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