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  • Coronavirus Email Phishing Scams: How to Avoid COVID-19 Phishing Attacks

    Subscribe: Apple Podcasts | YouTube | Spotify | Stitcher | TuneIn

    Summary: This week, Ruin a Bad Guy's Day Radio discusses the recent coronavirus email phishing scam. Learn how to protect yourself from fraudsters that are sending you bogus emails and phishing attacks made to look like they are from the Centers for Disease Control and Prevention (CDC) or the World Health Organization (WHO) about the coronavirus outbreak. Cybercriminals are using outbreak and the panic and fear as basis for email attacks designed to steal your personal information, defraud you, and infect computers with malware. Curated Content Source: nbcnews.com

    Malicious emails linked to the coronavirus outbreak started appearing in February. Stay informed - this email scam is turning into one of largest phishing campaigns of the year.

    Download the Podcast for more information!

    Topics Discussed: -Coronavirus Email Phishing Scams -What Bogus Emails Look Like -What You Can Do?

    You should always to be skeptical of any email that asks you to click on a link or open an attachment — even when the email seems legitimate. In most cases, you can probably get the information you need by typing in the URL yourself.

    This bogus email is not from the CDC. It’s another email scam phishing attack designed to steal usernames and passwords from people who click on the link. Notice the email URL highlighted in red. The actual URL for the CDC is cdc.gov. The other link highlighted in red is a fake Microsoft Outlook login page. See below.

    For the latest on the coronavirus outbreak - Go directly to the CDC website.

    Kaspersky has 10 tips to protect yourself from phishing attacks on its website.

    Ruin a Bad Guy’s Day Radio Merchandise - 15% Off - Use Coupon Code: THANKYOU -Coffee Mugs, T-Shirts, Hoodieshttps://teespring.com/stores/ruin-a-bad-guys-day-radio

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    Who Should Listen? Fraud Managers and Investigators, Cybersecurity, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Internal Auditors, Finance Professionals, Chargeback Specialists, Call Center Agents, and IT/Operations professionals.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day Radio/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    More Podcast Episodes:

    https://ruinabadguysday.podbean.com/

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    Subscribe and Listen Free:

    Apple Podcasts

    https://podcasts.apple.com/us/podcast/ruin-a-bad-guys-day-radio-fraud-prevention-podcast/id1437720527?mt=2

    Google Podcasts

    https://podcasts.google.com/?feed=aHR0cHM6Ly9ydWluYWJhZGd1eXNkYXkucG9kYmVhbi5jb20vZmVlZC54bWw

    Spotify

    https://open.spotify.com/show/4F8XIbIT3R9h8iMVGJnjC3

    Overcast

    https://overcast.fm/itunes1437720527/ruin-a-bad-guys-day-radio-fraud-prevention-podcast

    iHeartRadio

    https://www.iheart.com/podcast/256-ruin-a-bad-guys-day-radio-43100362/

    Twitter:

    https://twitter.com/ruinabadguysday

  • Cleantech Con Artists: A True Vegas Caper - Interview with Author/Historian Jim Rossi

    This week, Ruin a Bad Guy's Day Radio interviews Jim Rossi, Author and Historian of the new book: "Cleantech Con Artists: A True Vegas Caper." Jim is a nationally acclaimed author and a LinkedIn Top Voice with over 430,000 followers! Jim and Skip discuss this fantastic non-fiction story about crime and corruption set in Las Vegas.

    Jim Rossi: His first book is "Cleantech Con Artists: A True Vegas Caper," a nonfiction, first-person, man-bites-dog story of fraud and history. Set in Las Vegas, the story begins during his graduate study there. He's currently at work on his second book, "Reverse-Engineering the Echo Chamber," about how the history of communications technology has affected information, free speech, and politics - and what we can do to find and learn from different perspectives.

    Fraud costs Americans over a trillion dollars per year. So in Sin City, we made fraud prevention into an extreme sport.

    Las Vegas, founded on the idea of getting people to not think about the long-term consequences of their actions, seems like the last place anyone would go to study history and sustainability. But look closer. Las Vegas is also the City of Second Chances, the surrounding Mojave Desert a land of mirages. Here the line separating reality and fantasy gets blurred. So do the lines separating graduate school, entrepreneurship, journalism, and fraud.

    When I first went local, enrolling at the University of Nevada, Las Vegas, I made new friends - and a few enemies. Among them: a young British tycoon who bought Mike Tyson’s mansion, poker players and golf hustlers, FBI agents and ex-cons, friendly neighborhood bounty hunters, and one charismatic frenemy: a young, clean energy technology entrepreneur named Xavier.

    As The Strip seduces me, I uncover a complex maze of scams ranging from Photoshop forgeries, mortgage fraud, identity theft, and crowdfunding to hacking, hypnosis, and intellectual property theft. The schemes span from Sin City to the Rocky Mountains, China, and into the headquarters of Silicon Valley’s best-known clean energy nonprofit. As privacy disappears in the 21st century, turnabout is fair play. The hunter becomes the hunted. In Sin City, you can be whoever you want to be – but you have to pay the consequences.

    What is the ultimate Vegas rush: pulling off a multimillion-dollar con job – or blowing one up?

    JIM ROSSI: Author/Historian

    Cleantech Con Artists: A True Vegas Caper

    Available on Amazon:

    https://www.amazon.com/Cleantech-Artists-True-Vegas-Caper-ebook/dp/B07V6L5M8T/ref=sr_1_2?keywords=Cleantech+Con+Artists&qid=1567207121&s=books&sr=1-2

    Website:

    www.cleantechconartists.com

    Email:

    [email protected]

    LinkedIn:

    https://www.linkedin.com/in/cleantechconartist/

    Who Should Listen? Fraud Managers and Investigators, Cybersecurity, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Internal Auditors, Finance Professionals, Chargeback Specialists, Call Center Agents, and IT/Operations professionals.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day Radio/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark. Visit: https://www.ruinabadguysday.com

    Contact Ruin a Bad Guy's Day Radio: https://www.ruinabadguysday.com/contact

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    Subscribe and Listen Free:

    Apple Podcasts

    https://podcasts.apple.com/us/podcast/ruin-a-bad-guys-day-radio-fraud-prevention-podcast/id1437720527?mt=2

    Google Podcasts

    https://podcasts.google.com/?feed=aHR0cHM6Ly9ydWluYWJhZGd1eXNkYXkucG9kYmVhbi5jb20vZmVlZC54bWw

    Spotify

    https://open.spotify.com/show/4F8XIbIT3R9h8iMVGJnjC3

    Overcast

    https://overcast.fm/itunes1437720527/ruin-a-bad-guys-day-radio-fraud-prevention-podcast

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    https://www.youtube.com/channel/UCNl93OdXvepisBlxoWVgj7w

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  • Do You Have Pink Around the Collar? Kelly Paxton Discusses How Pink Collar Criminals are becoming the New Threat to Your Business.

    This week, Ruin a Bad Guy's Day Radio interviews Kelly Paxton with PinkCollarCrime.com. Kelly discusses How Women Fraudsters are becoming the New Threat to Your Business. #pinkcollarcrime

    Special Guest: Kelly is a nationally recognized expert and speaker on Pink Collar Crime. Kelly is one of the “Good Guys” who has spent a career investigating hundreds of cases ranging from money laundering to conflict of interest to embezzlement schemes.

    Kelly explains how, "It's position Not gender that is important when investigating pink collar crimes and unfortunately, embezzlement happens to every type of business. Whether you’re a dentist, small business owner, municipal agency, it can happen to anyone."

    Great advice from Kelly on the podcast at:

    [00:14:42] Yeah. You know, my dad always said I was Snoopy. I kind of like to say, I'm curious, when things just don't make sense.[00:14:51] It's like, I had a dentist who got ripped off and he's like, well, maybe I should have known when she had a newer model BMW than me. And I'm like, you know, I know you're kidding, but you're not.

    Discussion Topics Include:

    We know that many fraudsters are sometimes long-term and trusted employees. Why do good employees go bad and what can we do to prevent it?What is Pink Collar Crime and how it is different than White Collar Crime.What are some of the traits or characteristics of a Pink Collar Crime Criminal?It there an element of the fraud triangle our listeners can control to help prevent the fraud from occurring in the first place? If so, what more could have been done?How to identify “pink flags”.Are there any great Tips or Tricks you use for investigating and interviewing a Pink Collar Criminal?

    Listen to the Podcast to learn more!

    For more information on how Kelly Paxton and PinkCollarCrime.com can help you uncover the truth with investigating money laundering and embezzlement cases – Visit PinkCollarCrime.com

    Contact:

    Kelly Paxton

    Pink Collar Crime

    Office: 503-521-6167

    Web: https://pinkcollarcrime.com/

    or https://kellypaxton.com/

    Email: [email protected]

    LinkedIn: https://www.linkedin.com/in/kellypaxton/

    Twitter: https://twitter.com/pdxcfe

    Who Should Listen? Fraud Managers and Investigators, Cybersecurity, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Internal Auditors, Finance Professionals, Chargeback Specialists, Call Center Agents, and IT/Operations professionals.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day Radio/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark. Visit: https://www.ruinabadguysday.com

    Contact Ruin a Bad Guy's Day Radio: https://www.ruinabadguysday.com/contact

    Donate: Help Ruin a Bad Guy's Day Radio fight fraud! https://donorbox.org/support-ruin-a-bad-guy-s-day-radio

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    Sale! Get 15% Off - Use Coupon Code: THANKYOU https://teespring.com/stores/ruin-a-bad-guys-day-radio

    More Podcast Episodes:

    https://ruinabadguysday.podbean.com/

    Sponsor a Podcast Episode with an Exclusive Business Interview:

    https://ruinabadguysday.podbean.com/p/sponsor-us/

    Subscribe and Listen Free:

    Apple Podcasts

    https://podcasts.apple.com/us/podcast/ruin-a-bad-guys-day-radio-fraud-prevention-podcast/id1437720527?mt=2

    Google Podcasts

    https://podcasts.google.com/?feed=aHR0cHM6Ly9ydWluYWJhZGd1eXNkYXkucG9kYmVhbi5jb20vZmVlZC54bWw

    Spotify

    https://open.spotify.com/show/4F8XIbIT3R9h8iMVGJnjC3

    Overcast

    https://overcast.fm/itunes1437720527/ruin-a-bad-guys-day-radio-fraud-prevention-podcast

    iHeartRadio

    https://www.iheart.com/podcast/256-ruin-a-bad-guys-day-radio-43100362/

    Twitter:

    https://twitter.com/ruinabadguysday

  • Got Chargebacks? Midigator's Trent Spratling Explains Chargeback Truths, Consequences, and Misconceptions

    Welcome to Ruin a Bad Guy's Day Radio. We are growing by leaps and bounds because of listeners just like YOU! If you like the podcast, please go to Apple Podcasts to leave a comment and give us a 5 Star rating...Thank You!

    Apple Podcasts/iTunes

    https://podcasts.apple.com/us/podcast/ruin-a-bad-guys-day-radio-fraud-prevention-podcast/id1437720527?mt=2

    This week, Ruin a Bad Guy's Day Radio Interviews Midigator's Trent Spratling about Chargeback Truths, Consequences, and Misconceptions.

    Topics Include:

    We'll discuss some of the biggest misconceptions about fighting chargebacks and disputes, dealing with banks and credit card issuers, and the potential ROI and increased revenue possibilities for fighting chargebacks.

    Special Guest: Trent Spratling has a unique understanding of what merchants need to scale their business and increase profitability through Midigator's payment dispute management system that helps you prevent and respond to credit card disputes and chargebacks.

    This episode of Ruin a bad Guys Day Radio is brought to you by:

    Midigator: Midigator is a leader in payment dispute management services.

    Are you tired of the same old daily grind with fighting chargebacks and credit card disputes? Are you drowning in a sea of endless data and spreadsheets?

    Look no further – Midigator's payment dispute management system provides real time analytics and advanced artificial intelligence technology that helps you identify why disputes are occurring while reducing your chargebacks and enabling your business to better avoid them in the future.

    Midigator's advanced prevention options include chargeback alerts and Visa's VMPI technology to help you recover lost revenue and improve your overall chargeback management strategy.

    Let Midigator - "Help You Get Back to Growing Your Business!"

    For more information on how Midigator can help you prevent and respond to credit card disputes and chargebacks - Visit Midigator.com

    Contact:

    Trent Spratling

    Midigator

    Account Executive

    Office: 406-203-1555

    Web: Midigator.com

    Email: [email protected]

    LinkedIn: https://www.linkedin.com/in/trenton-spratling-038b632b/

    Listen to the Podcast to learn more!

    Contact Ruin a Bad Guy's Day Radio: https://www.ruinabadguysday.com/contact

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    Ruin a Bad Guy’s Day Radio Merchandise: -Coffee Mugs, T-Shirts, Hoodies

    Sale! Get 15% Off - Use Coupon Code: THANKYOU https://teespring.com/stores/ruin-a-bad-guys-day-radio

    Who Should Listen? Fraud Managers and Investigators, Cybersecurity, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Internal Auditors, Finance Professionals, Chargeback Specialists, Call Center Agents, and IT/Operations professionals.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark. Visit: https://www.ruinabadguysday.com

    More Podcasts:

    https://ruinabadguysday.podbean.com/

    Sponsor a Podcast:

    https://ruinabadguysday.podbean.com/p/sponsor-us/

    Twitter:

    https://twitter.com/ruinabadguysday

    Newsletter: Cyber-Security and Fraud Prevention News

    https://paper.li/ruinabadguysday/1557668208?edition_id=822c0510-76b2-11e9-bff4-0cc47a0d164b#/

    Listen Free on iHeartRadio

    https://www.iheart.com/podcast/256-ruin-a-bad-guys-day-radio-43100362/

  • How to Identify and Protect Yourself from Tech Support Scams

    Welcome to Ruin a Bad Guy's Day Radio. We are growing by leaps and bounds because of listeners just like YOU! If you like the podcast, please go to Apple Podcasts to leave a comment and give us a 5 Star rating...Thank You!

    Apple Podcasts/iTunes

    https://podcasts.apple.com/us/podcast/ruin-a-bad-guys-day-radio-fraud-prevention-podcast/id1437720527?mt=2

    Ruin a Bad Guy's Day Radio discusses how tech support scammers target you and your personal devices by pretending to be representatives from a software tech support company or call center.

    We will review a recent conviction of a tech support scammer with links to international crime who defrauded victims of $3 million dollars. We discuss how we can learn from the fraudsters.

    Source: U.S. Department of Justice

    https://www.justice.gov/

    Learn how to protect yourself and others from tech support scams and understand the different forms of scams which include phone and web scams. We will review how Microsoft is cracking down on tech support scammers and what they recommend for you to fight back and prevent you from being a victim.

    Source: Microsoft

    https://www.microsoft.com/reportascam

    Listen to the Podcast to learn more!

    Contact Ruin a Bad Guy's Day Radio: https://www.ruinabadguysday.com/contact

    Donate: Help Ruin a Bad Guy's Day Radio fight fraud! https://donorbox.org/support-ruin-a-bad-guy-s-day-radio

    Ruin a Bad Guy’s Day Radio Merchandise: -Coffee Mugs, T-Shirts, Hoodies

    Sale! Get 15% Off - Use Coupon Code: THANKYOU https://teespring.com/stores/ruin-a-bad-guys-day-radio

    Who Should Listen? Fraud Managers and Investigators, Cybersecurity, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Internal Auditors, Finance Professionals, Chargeback Specialists, Call Center Agents, and IT/Operations professionals.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark. Visit: https://www.ruinabadguysday.com

    More Podcasts:

    https://ruinabadguysday.podbean.com/

    Sponsor a Podcast:

    https://ruinabadguysday.podbean.com/p/sponsor-us/

    Twitter:

    https://twitter.com/ruinabadguysday

    Newsletter: Cyber-Security and Fraud Prevention News

    https://paper.li/ruinabadguysday/1557668208?edition_id=822c0510-76b2-11e9-bff4-0cc47a0d164b#/

  • How to be Smart in a World of Stupid Criminals: Interview with Matt Christensen at FraudNotFrog.com

    Welcome to Ruin a Bad Guy's Day Radio. We are growing by leaps and bounds because of listeners just like YOU! If you like the podcast, please go to Apple Podcasts to leave a comment and give us a 5 Star rating...Thank You!

    Apple Podcasts/iTunes

    https://podcasts.apple.com/us/podcast/ruin-a-bad-guys-day-radio-fraud-prevention-podcast/id1437720527?mt=2

    Ruin a Bad Guy's Day Radio interviews Matt Christensen at FraudNotFrog.com. In this episode we discuss how professional development and training helps you stay ahead of stupid criminals and fraudsters.

    Matt is transforming Anti-Fraud CPE or continuing education and professional development for fraud fighters through Audit Lock consultancy and FraudNotFrog.com by offering convenient and mobile-friendly anti-fraud training for fraud examiners, auditors, and investigators. Listen to the Podcast to learn more!

    Discussion Topics:

    News Story: Stupid Criminals Butt-Dial 911 During BurglaryHelping you fight fraudsters through enhanced training and awareness through a better understanding of cybersecurity and internal audit controls at FraudNotFrog.comHow to leverage an existing skill set to break into the anti-fraud industry.How cyber security and internal audit control professionals can break down silos and work together to fight fraud.

    More Information:

    FraudNotFraud.com

    https://www.fraudnotfrog.com/

    Anti-Fraud Courses:

    https://courses.fraudnotfrog.com/

    AuditLock Fraud Consultancy

    https://www.linkedin.com/in/auditlock-fraud-consultancy-347305159/

    Matt Christensen

    https://www.linkedin.com/in/christensenmatt/

    CFE - Certified Fraud Examiner | Association of Certified Fraud ExaminersITPM - Insider Threat Program Manager | Software Engineering Group | Carnegie Mellon UniversityCISSP - Certified Information Systems Security Professional | (ISC)2GIAC GSLC - Security Leadership Certification | SANS InstituteGIAC GSEC - Security Essentials Certification | SANS InstituteCRISC - Certified in Risk and Information Systems Control | ISACACCSK- Certificate of Cloud Security Knowledge | Cloud Security AllianceITILv3 - Information Technology Infrastructure Library | EXIN

    FraudNotFrog.com provides the best anti-fraud online training platform for continuing professional education (CPE) and other professional anti-fraud development. It's a new way of training and becoming a better fraudfighter.

    Our platform is self-paced and mobile friendly - train while at work or while on the train.

    Contact Ruin a Bad Guy's Day Radio:https://www.ruinabadguysday.com/contact

    Donate: Help Ruin a Bad Guy's Day Radio fight fraud!https://donorbox.org/support-ruin-a-bad-guy-s-day-radio

    Ruin a Bad Guy’s Day Radio Merchandise:-Coffee Mugs, T-Shirts, Hoodies

    Sale! Get 15% Off - Use Coupon Code: THANKYOUhttps://teespring.com/stores/ruin-a-bad-guys-day-radio

    Who Should Listen? Fraud Managers and Investigators, Cybersecurity, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Internal Auditors, Finance Professionals, Chargeback Specialists, Call Center Agents, and IT/Operations professionals.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.Visit: https://www.ruinabadguysday.com

    More Podcasts:

    https://ruinabadguysday.podbean.com/

    Sponsor a Podcast:

    https://ruinabadguysday.podbean.com/p/sponsor-us/

    Twitter:

    https://twitter.com/ruinabadguysday

  • How Fraudsters Exploit Malware and Phishing for Financial Gain

    Subscribe: Apple Podcasts | YouTube | Spotify | Stitcher | TuneIn

    Welcome to Ruin a Bad Guy's Day Radio. We are growing by leaps and bounds because of listeners just like YOU! If you like the podcast, please go to Apple Podcasts to leave a comment and give us a 5 Star rating...Thank You!

    Apple Podcast

    https://podcasts.apple.com/us/podcast/ruin-a-bad-guys-day-radio-fraud-prevention-podcast/id1437720527?mt=2

    In this episode we discuss how fraudsters exploit malware and phishing for financial gain. A recent conviction of international cybercriminals in federal court reveals how these fraudsters operate and target their victims. Learn how protect yourself from malware and phishing schemes.

    Source: Department of Justicehttps://www.justice.gov/opa/pr/two-romanian-cybercriminals-convicted-all-21-counts-relating-infecting-over-400000-victim

    Romanian Cybercriminals Convicted of All 21 Counts Relating to Infecting Over 400,000 Victim Computers with Malware and Stealing Millions of DollarsA federal jury convicted two Bucharest, Romania residents of 21 counts related to their scheme to infect victim computers with malware in order to steal credit card and other information to sell on dark market websites, mine cryptocurrency and engage in online auction fraud, announced Assistant Attorney General Brian A. Benczkowski of the Justice Department’s Criminal Division and U.S. Attorney Justin E. Herdman of the Northern District of Ohio

    Two Romanians were convicted after a 12-day trial of conspiracy to commit wire fraud, conspiracy to traffic in counterfeit service marks, aggravated identity theft, conspiracy to commit money laundering and 12 counts each of wire fraud. Sentencing has been set for Aug. 14, 2019 before Chief Judge Patricia A. Gaughan of the Northern District of Ohio.

    According to testimony at trial and court documents, the defendants who pleaded guilty collectively operated a criminal conspiracy from Bucharest, Romania. It began in 2007 with the development of proprietary malware, which they disseminated through malicious emails purporting to be legitimate from such entities as Western Union, Norton AntiVirus and the IRS. When recipients clicked on an attached file, the malware was surreptitiously installed onto their computer.

    This malware harvested email addresses from the infected computer, such as from contact lists or email accounts, and then sent malicious emails to these harvested email addresses. The defendants infected and controlled more than 400,000 individual computers, primarily in the United States.

    Listen to the podcast for more information! Malware:https://en.wikipedia.org/wiki/Malware

    Malware (malicious software) is any software intentionally designed to cause damage to a computer, server, client, or computer network. Malware does the damage after it is implanted or introduced in some way into a target's computer and can take the form of executable code, scripts, active content, and other software. The code is described as computer viruses, worms, Trojan horses, ransomware, spyware, adware, and scareware, among other terms. Malware has a malicious intent, acting against the interest of the computer user—and so does not include software that causes unintentional harm due to some deficiency, which is typically described as a software bug. Phishinghttps://en.wikipedia.org/wiki/Phishing

    Phishing is the fraudulent attempt to obtain sensitive information such as usernames, passwords and credit card details by disguising as a trustworthy entity in an electronic communication. Typically carried out by email spoofing or instant messaging, it often directs users to enter personal information at a fake website, the look and feel of which are identical to the legitimate site.

    Phishing is an example of social engineering techniques being used to deceive users. Users are often lured by communications purporting to be from trusted parties such as social web sites, auction sites, banks, online payment processors or IT administrators.

    Contact Ruin a Bad Guy's Day Radio:https://www.ruinabadguysday.com/contact

    Donate: Help Ruin a Bad Guy's Day Radio fight fraud!https://donorbox.org/support-ruin-a-bad-guy-s-day-radio

    Ruin a Bad Guy’s Day Radio Merchandise:-Coffee Mugs, T-Shirts, Hoodies

    Sale! Get 15% Off - Use Coupon Code: THANKYOUhttps://teespring.com/stores/ruin-a-bad-guys-day-radio

    Who Should Listen? Fraud Managers and Investigators, Cybersecurity, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Finance Professionals, Chargeback Specialists, Call Center Agents, and IT/Operations.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.Visit: https://www.ruinabadguysday.com

    More Podcasts:

    https://ruinabadguysday.podbean.com/

    Sponsor a Podcast:

    https://ruinabadguysday.podbean.com/p/sponsor-us/

  • What is Visa Merchant Purchase Inquiry Program (VMPI)? Interview with Fraud Expert Scott Adams with FraudPVP.com

    Subscribe: RadioPublic | Apple Podcasts | YouTube | Spotify | Stitcher | TuneIn

    Ruin a Bad Guy's Day Radio interviews fraud expert Scott Adams with FraudPVP. Scott Adams with FraudPVP.com explains the value of Visa's Merchant Purchase Inquiry Program for reducing chargebacks and disputes and how FraudPVP can enhance your program by reducing chargeback management time and saving sales. FraudPVP/VMPI services can help prevent chargebacks before they even happen by improving communication between the parties involved.

    VMPI stands for Visa Merchant Purchase Inquiry and is part of the larger Visa Claims Resolution initiative (VCR). Visa created VMPI in an effort to make chargeback disputes simpler and more automated for merchants, issuers, acquirers and processors. Simply put, VMPI can help prevent chargebacks before they even happen by improving communication between the parties involved.

    Scott Adams is the founder of FraudPVP. He has more than 20 years of experience in the field of payments as both a merchant and a fraud expert. He's worked with companies large and small to reduce chargebacks, improve ROI and fight fraud on multiple platforms. He strives to always think like a merchant and develop tools that make merchants' lives easier.

    FraudPVP's VMPI Service gives you the chargeback-reducing power of VMPI with little to no set-up on your end. You can start deflecting chargebacks NOW. Listen to the Podcast to learn more!

    What is special about FraudPVP’s VMPI Service?

    Time Saved: We have real time alerts from Visa on Fraud and Chargebacks. Our VMPI alert time is 3-4 days faster than traditional fraud and chargeback alerts merchants receive from their acquirer. Inquiries Deflected: In 50+% of cases in which a customer called their issuer with a dispute, our system was able to prevent chargebacks by either saving the sale or providing an avenue to refund the transaction without a chargeback. Saved Sales: In 25+% of cases in which a customer called with a dispute, our system was able to not only avoid the chargeback, but also save the sale completely, so the merchant kept their money! Easy Integration / Fast Results: Little to no IT/Engineering required. We have paths to go live that require no integration. You could be live within a matter of days and saving sales and reducing chargebacks within the current month! No ramp-up needed!

    More Information:

    FraudPVP.com

    https://www.fraudpvp.com/

    Scott Adams - LinkedIn

    https://www.linkedin.com/in/speakerscotteadams/

    Visa Merchant Purchase Inquiry Program

    https://developer.visa.com/capabilities/visa-cardholder-purchase-inquiry

    Fraud Stats mentioned in podcast: Kount Blog

    https://www.kount.com/blog-against-fraud/11-frightening-chargeback-statistics

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    Who Should Listen? Fraud Managers and Investigators, Cybersecurity, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Finance Professionals, Chargeback Specialists, Call Center Agents, and IT/Operations.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.Visit: https://www.ruinabadguysday.com

  • Avoid Vacation Rental Scams: Interview with Fraud Expert Tammy Sorrento from Fireball Approves

    Subscribe: RadioPublic | Apple Podcasts | YouTube | Spotify | Stitcher | TuneIn

    Tammy Sorrento founded Fireball Approves after she was NEARLY scammed by a Craigslist fraudster advertising a vacation home in Key West, FL. Tammy performed her due-diligence to safeguard her family from falling prey to a scam. Tammy researched the rental property and confirmed she had been in touch with a scammer who was impersonating the actual property owner!

    Listen to the podcast to learn how to avoid being scammed by a Vacation Rental fraudster.

    Tips to Protect Yourself from a Vacation Rental Scam

    1. “I only deal in cash!” The property owner/imposter may ask you to pay in full with cash via a wire transfer like Western Union, MoneyGram, PayPal or mobile app. Do not wire money or send cash to the property owner/imposter. Tracing the wired transfer and/or sending cash is almost impossible.

    2. “You better hurry, this property rents fast!” The property owner/imposter may create a sense of urgency pressuring you to make a decision before the “great deal” has expired. Be patient and do not rush into making a quick decision. There are plenty of other vacation rental properties.

    3. It sounds too good to be true. The property owner/imposter is advertising a premium property at a ridiculously low rental price and/or is willing to reduce the price “just for you”.

    More Information:

    Fireball Approves – “Don’t get burned by mis-leading rental ads!”https://fireballapproves.com/

    Fireball Approves Facebook -

    https://www.facebook.com/fireballapproves/

    Federal Trade Commission – Rental Scamshttps://www.consumer.ftc.gov/articles/0079-rental-listing-scams

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    Donate: Help Ruin a Bad Guy's Day Radio fight fraud!https://donorbox.org/support-ruin-a-bad-guy-s-day-radio

    Who Should Listen? Fraud Managers and Investigators, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Finance Professionals, Chargeback Specialists, Call Center Agents, and IT/Operations.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.Visit: https://www.ruinabadguysday.com

  • What is Synthetic Identity Fraud?

    Subscribe: RadioPublic | Apple Podcasts | YouTube | Spotify | Stitcher | TuneIn

    Source: ThomsonReuters

    Summary: In order to commit SIF or Synthetic Identify Fraud, fraudsters steal legitimate social security numbers from individuals who are not using their credit and/or have not established a credit file with the three credit reporting agencies. Fraudsters build and create synthetic identities by adding bogus addresses, names, and even fake social media accounts. This is when the real "fraud" begins with synthetic identity theft. Download the Podcast for more information!

    Topics Discussed:-Synthetic Identity Fraud/Theft-How Bad Guy's Create Synthetic Identities-What You Can Do?

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    Contact Us:https://www.ruinabadguysday.com/contact

    Donate: Help Ruin a Bad Guy's Day Radio fight fraud!https://donorbox.org/support-ruin-a-bad-guy-s-day-radio

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    More Information:Senate Bill 2155: Economic Growth, Regulatory Relief, Consumer Protection Act

    Link: https://www.congress.gov/bill/115th-congress/senate-bill/2155-Internet Crime Center - File a Complaint-IC3.gov-Secret Service.gov

    Dashlane Password Management:

    Check out AuditLock Fraud Consultancy:

    Fraudnotfrog.com

    Who Should Listen? Fraud Managers and Investigators, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Finance Professionals, Chargeback Specialists, Call Center Agents, IT/Operations.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.Ruin a Bad Guy’s Day® is a registered trademark.

    Visit: https://www.ruinabadguysday.com

  • Catch of the Day: FEDERAL CRACKDOWN ON FINANCIAL FRAUD AND ATM SKIMMING CONTINUES WITH GUILTY PLEAS

    Subscribe: RadioPublic | Apple Podcasts | YouTube | Spotify | Stitcher | TuneIn

    Source: Secretservice.gov

    Summary: Two Brazilian nationals who used bank customers’ account information obtained by an ATM “skimming” device have pled guilty in federal court. Julio Lopez Da Silva, 38, pled guilty to one count of conspiracy to commit bank fraud, while Anderson Santos, 41, pled guilty to one count of aggravated identity theft, in U.S. District Court in Brunswick, said United States Attorney Bobby L. Christine. Da Silva faces sentencing of up to 30 years in prison, while Santos faces a mandatory two-year sentence.

    After the men were arrested Dec. 3, 2017 in Savannah, police searched a Port Wentworth hotel where the two were staying and discovered skimming equipment and nearly $20,000 in cash. Download the Podcast for more information!

    Topics Discussed:-ATM Skimming Devices-How Skimming/Shimming Works-What You Can Do?

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    Donate: Help Ruin a Bad Guy's Day Radio fight fraud!

    https://donorbox.org/support-ruin-a-bad-guy-s-day-radio

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    More Information:-FBI.gov-Internet Crime Center - File a Complaint-IC3.gov-Secret Service.gov

    Who Should Listen? Fraud Managers and Investigators, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Finance Professionals, Chargeback Specialists, Call Center Agents, IT/Operations.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.

    Visit: https://www.ruinabadguysday.com

  • Breaking News! 773 Million Records Exposed in Monster Breach!

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    On Today’s podcast, we'll discuss the latest monster data breach as detailed on Wired.com and discuss various ways to safeguard your identity, your email accounts, and passwords.

    Source: Wired.com

    There are breaches, and there are mega breaches, and there’s Equifax. But a newly revealed trove of leaked data tops them all for sheer volume: 772,904,991 unique email addresses, over 21 million unique passwords, all recently posted to a hacking forum.

    The data set was first reported by security researcher Troy Hunt, who maintains Have I Been Pwned, a way to search whether your own email or password has been compromised by a breach at any point. (Trick question: It has.) The so-called Collection #1 is the largest breach in Hunt's menagerie, and it’s not particularly close. Download the Podcast for more information!

    Password Manager Solutions:

    DashlaneLastPass1Password

    Affiliate disclosure:

    Ruin a Bad Guy's Day may earn commissions from the products & services featured on this page to help support our work.

    Has your account been compromised?

    Check your email address at:

    HaveIBeenPwed.com

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    Who Should Listen? Fraud Managers and Investigators, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Finance Professionals, Chargeback Specialists, Call Center Agents, IT/Operations.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.

    Visit: https://www.ruinabadguysday.com

  • Catch of the Day: Eleven Individuals from Lagos, Nigeria Indicted for Conspiring to Commit Wire Fraud

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    Source: Justice.gov

    Jacksonville, Florida – United States Attorney Maria Chapa Lopez announces the return of an indictment charging numerous individuals from Lagos, Nigeria, with conspiracy to commit wire fraud. If convicted, each faces a maximum penalty of 20 years in federal prison.

    According to the indictment, the defendants, all Nigerian citizens, targeted multiple U.S. corporations with “phishing” e-mails requesting that the companies’ payroll/human resources personnel send IRS Forms W-2, containing employee personal identifying information, for review. They used “spoofed” email addresses, which masked the actual email address, making it appear as if the message was sent from a high-level manager within the victim companies. Numerous companies around the United States were victimized by this sophisticated scheme, including a local Jacksonville-based business.

    The defendants, once they obtained the tens of thousands of employee W-2 Forms, used the information to file false federal income tax returns with the IRS claiming millions of dollars in fraudulent refunds. To receive the fraudulent tax refunds generated from the scheme, the defendants used individuals in the United States to accept the proceeds and send the money to Lagos, Nigeria. In many instances, the individuals assisting in the United States were victims of a romance scheme, whereby the defendants developed online relationships using fake social media platforms.

    This case was investigated by the Federal Bureau of Investigation Cyber Squad and Internal Revenue Service Criminal Investigation. It will be prosecuted by Assistant United States Attorney Jay Taylor.

    Topics Discussed:

    Email SpoofingCEO Fraud/PhishingWhaling AttacksRomance Fraud

    More Information:

    FBI.govInternet Crime Center - File a ComplaintIC3.gov

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    Who Should Listen? Fraud Managers and Investigators, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Finance Professionals, Chargeback Specialists, Call Center Agents, IT/Operations.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.

    Visit: https://www.ruinabadguysday.com

  • HACKED! My Identity Has Been Stolen - Really!

    Subscribe: Apple Podcasts | YouTube | Spotify | Stitcher | TuneIn

    After the Equifax data breach in September 2017, I started a personal journey to protect my identity and take proactive measures to ruin a bad guy's day! I researched and reviewed several identity theft monitoring services, credit monitoring services, and how I could freeze my credit with all three credit bureaus. There are some very simple steps YOU can take right now to protect your identity and stop a bad guy from opening credit in your name and Ruining Your Day.

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    Today, Skip discusses how his personal identity was compromised and recently used by criminals to open a line of credit with a large women's clothing retailer. However, through a proactive approach to protect his identity, Skip details the steps he took to stop the fraudsters in their tracks. Now, Skip is awaiting additional information from LifeLock and the retailer so that he can pursue the fraudsters with every means at his disposal. Check out Ruin a Bad Guy's Day: https://www.ruinabadguysday.com

    It's time to play offense against the fraudsters and Ruin a Bad Guy's Day!

    What can YOU do?

    Open an Identity Theft Monitoring Account - LifeLock or ExperianOpen a Credit Monitoring Account - Credit KarmaFreeze Your Credit with All 3 Credit Bureaus

    Who should YOU call?

    Social Security Administrations Fraud Alert Line - 800-269-0271Federal Trade Commission - Report Identity Theft - 877-FTC-HELP

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    Who Should Listen? Fraud Managers and Investigators, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Finance Professionals, Chargeback Specialists, Call Center Agents, IT/Operations.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.

    Visit:https://www.ruinabadguysday.com

  • Question of the Week: What is Phishing, Vishing, and Smishing?

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    Thank you for all of your emails and questions about Phishing, Vishing, and Smishing. This week we'll discuss the bombardment of social engineering techniques fraudsters use to lure us into giving away our personal information. We'll also go into greater detail on each of the primary methods currently being used to steal your identity.

    Phishing is the fraudulent attempt to obtain sensitive information such as usernames, passwords and credit card details by disguising itself as a trustworthy entity in an electronic communication. Typically carried out by email spoofing or instant messaging, it often directs users to click a link, download an attachment and enter personal information at a fake website. From Wikipedia.org

    Vishing or Voice phishing is a form of criminal phone fraud, using social engineering over the telephone system to gain access to private personal and financial information for the purpose of financial reward. From Wikipedia.org

    Smishing or SMS phishing is a form of criminal activity using social engineering techniques. Phishing is the act of attempting to acquire personal information such as passwords and details by masquerading as a trustworthy entity in an electronic communication. SMS phishing uses cell phone text messages to deliver the bait to induce people to divulge their personal information. From Wikipedia.org

    Best Spam Call Blocker Apps for Smartphones

    TruecallerHiyaShouldIAnswer

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    Who Should Listen? Fraud Managers and Investigators, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Finance Professionals, Chargeback Specialists, Call Center Agents, IT/Operations.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.

  • Catch of the Day: Credit Card Cloners Stole Thousands - Fraudsters Used Overseas Hackers to Get Card Numbers

    Subscribe: Apple Podcasts | YouTube | Spotify | Stitcher | TuneIn

    Source: FBI.gov

    A prolific credit card scammer—who continued his crimes from behind bars—is now serving a lengthy sentence thanks to a multi-agency investigation into his card-cloning operation.

    From 2014 to 2016, Syracuse, New York, resident Daquan Rice, 23, and several associates purchased credit card numbers online from hackers in Russia, Pakistan, and Ukraine, who sell the information they steal. Rice also bought credit card numbers from a friend who worked at a Syracuse restaurant who had skimmed numbers from customer credit cards on Rice’s behalf.

    Rice had an associate in New York City with a credit card cloning machine, and he would provide the numbers to the person to make new cards for him. Rice and his accomplices then used these cards to buy gift cards, which they would convert into cash or money orders.

    How does this happen? Today we discuss how carder networks operate and how carders steal personal information, use credit card cloning devices, and manufacture counterfeit credit cards.

    Who Should Listen? Fraud Managers and Investigators, Fraud Analysts, Law Enforcement Professionals, Risk Managers, E-commerce Managers, M-commerce managers, Finance Professionals, Chargeback Specialists, Call Center Agents, IT/Operations.

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.

  • How to Prevent a Home Burglary | Tips to Safeguard Your Home From Burglars

    During this podcast we'll discuss ten ways you can safeguard your home from burglars and prevent your home from being a target. Simple steps that include low-cost DIY projects to increase lighting around your home, installation of timers and window locks, trimming trees and bushes, and home security systems.

    Starting a Neighborhood Watch Program in your community is also a great way to involve your neighbors and fight crime. These cost effective steps will give the illusion someone is home and create the perception that your home is too risky to burglarize.

    National Neighborhood Watch Program: www.nnw.org

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.

  • Breaking News! Marriott Says Up To 500 Million Customers' Data Stolen In Breach

    Source: NPR.com

    Marriott International said Friday that information on up to about 500 million of its customers worldwide was exposed in a breach of its Starwood guest reservation database dating as far back as 2014. The world's largest hotel chain said it learned of the breach on Sept. 8.

    The company said the Marriott hotel network was not affected. "The investigation only identified unauthorized access to the separate Starwood network," it said. Marriott acquired Starwood Hotels & Resorts Worldwide in 2016. For 327 million of the affected guests, the compromised data includes "some combination of name, mailing address, phone number, email address, passport number, Starwood Preferred Guest ("SPG") account information, date of birth, gender, arrival and departure information, reservation date, and communication preferences," the company said.

    Today, we'll discuss how the bad guys may attempt to compromise your accounts through deceptive and spear phishing attacks and what you can do to avoid becoming a victim of identify theft.

    Report Phishing Emails

    File a Complaint: FTC.gov/complaint

    Forward phishing emails to: [email protected] (FTC.gov site)

    Identity Theft Information: Identitytheft.gov

    Check to see if your email accounts have been compromised: https://haveibeenpwned.com/

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.

  • Make an Impact: Be an Inspiration to Others - You Can Do This!

    Inspirational Podcast Excerpt: "When you let your confidence shine, you unconsciously permit others to do the same. Success isn't based on what you accomplished during your life, it's about what you inspire others to do!"

    Skip shares a heart-felt personal story that will inspire and motivate you. The power to influence and inspiring others is within all of us. We just have to decide to take that first step to lead them, motivate them, and inspire them to learn more so that they can become more. During this holiday season..."Earn your success based on service to others, not at the expense of others." - H. Jackson Brown Jr.

    We hope that this podcast will inspire YOU!

    Happy Holidays!

  • Catch of the Day: Thousands of credit cards were potentially compromised in a hotel room scheme – “Carding network” used to purchase stolen credit card numbers.

    Source: Star-Telgram.com

    In this Podcast, we will discuss what the term “Carding” means and how “Carders” operate.

    DALLAS - Thousands of credit cards were potentially compromised in a hotel room purchasing scheme worth $250,000, according to federal court documents. According to the criminal complaint, which was unsealed last week, investigators in Dallas began looking into suspicious hotel room purchases allegedly made by K. Klutts and O. Edwards in late August. The pair would rent one or two rooms in different hotels in Dallas, Fort Worth and other areas and then sub-rent the room to other people at lower fees, the document says. Klutts is accused of buying those rooms with credit card numbers she bought from a “carding network.”

    Disclaimer: Ruin a Bad Guy’s Day, LLC. The information provided in Ruin a Bad Guy’s Day/Skip Myers podcasts/webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with legal counsel or other professionals to determine what may be best for your individual or organizational needs.

    Ruin a Bad Guy’s Day® is a registered trademark.