Canadian Money Advisor 2005

Helping Canadians Understand Their Money & Personal Finance since 2005 BLOG

ZipLeaf Canada - Site Review
- Posted January 28, 2009 by Monty Loree
Post Back Link to Canadian Money Advisor

ZipLeaf Canada - Site Review

I was asked to do a review for Zipleaf Canada.

January 28, 2009

ZipLeaf Canada is considered to be one of Canada's largest online business directories. This is nice and convenient if you're looking for businesses to help you as an individual or business.

As of this writing, Zipleaf Canada business directory has 230,000 + businesses listed. This is a huge resource to find competitive businesses in the field that you require.

It's also good to note that if you have a business that you would like to promote to other businesses and consumers, Zipleaf Canada business directory would be a good place to advertise.

The beauty of advertising your business on the internet is that people can find you, 24 hours a day, 7 days per week. They can read about you on Zipleaf Canada and then call you when they have a free moment. I saves your business a great deal of time.

Having 230,000 businesses listed, means that Zipleaf is a company that knows how to manage companies and their info. The only companies with more listings would be companies like the yellow pages.

If you get a chance, please Check out Zipleaf Canada business directory at the link above.!

Above is a sponsored post

Comments (3)

CMA Blog Home

More From
Discuss Collection Agencies
Other posts about Canadian Site Review
More articles from January, 2009
More articles from 2009

PM Harpers $34 billion Deficit - VIDEO
- Posted January 26, 2009 by Monty Loree
Post Back Link to Canadian Money Advisor

PM Harpers $34 billion Deficit

Listening to CBC I hear that the Canadian Federal government is going to do $34 billion in deficit spending this year. This makes me furious.

Canada set to post C$34 bln budget deficit-PM aide

OTTAWA, Jan 22 (Reuters) - Canada will post a deficit of C$34 billion ($27 billion) for the coming fiscal year but will return to a surplus position in five years, an aide to Prime Minister Stephen Harper said on Thursday.

The aide also said Canada will have a budget deficit of C$30 billion in the following fiscal year. The Conservative government will unveil its budget on Jan. 27.

($1=$1.26 Canadian) (Reporting by Randall Palmer, writing by Frank Pingue; editing by Peter Galloway)

This blog is for personal finance and credit etc. The relationship of a $34 billion deficit to personal finance is pretty easy. If the government isn't making the income it needs through taxes, then it needs to cut spending. plain and simple

This sends a sharp message to consumers that it's ok to get into debt, and to run up your debt level to horrendous levels.

This , in my opinion is the wrong message.

Canadians need to understand that if they have to cut back with benefits because we can't afford them, then that's what we need to do.

Canadians need to cut back anyway. They're too much in debt, and the weight of debt per household is harming alot of families. For the federal government to take on more debt is adding to that weight load.

My other point is this: it took 10 years to pay down $100 billion in federal debt. and these were in abundant times. Canada was very prosperous.

The next few years are going to be slower as far as federal income goes. If the federal government takes on $34 billion in debt, how long is that going to take Canadians to pay down the next time.

How many exports are we going to need, to pay down the debt. How much natural resources are we going to need to sell outside the country to pay down the debt?

My impression is that we should not do deficit spending under any circumstances. If the federal government can't afford to pay for something with existing revenue, then it would send a better message to Canadians to NOT spend the money.

Just my quick opinion.

Comments (2)

CMA Blog Home

More From
Discuss Debt Settlement
Other posts about Canadian Debt Management
More articles from January, 2009
More articles from 2009

Cheap Life Insurance in Canada
- Posted January 25, 2009 by Monty Loree
Post Back Link to Canadian Money Advisor

Cheap Life Insurance in Canada

The people who need life insurance the most are often the ones who let it go or who put it off. In most cases, these are young families with children at home, and they put off buying a life insurance policy because money is tight for these families. Unfortunately, the results can be tragic, when one parent or provider dies unexpectedly and leaves a young family with a drastically reduced income, not to mention hospital, funeral home, and burial expenses.

For families such as these, the best route is not to skip life insurance altogether. Clearly life insurance is a necessity, not a luxury. But the realities of their economic situation may dictate that they buy the cheapest, most economical plan available to get the coverage they need.

There are two considerations in looking at cheap life insurance plans. First, you have to look at what kind of life insurance is cheapest for you, and second you have to look at which companies can offer you the best deal on that kind of life insurance.

What kind of policy to buy

In terms of the sheer cost of monthly premiums, comparisons show that in almost every case, term life insurance is the least expensive. This is because it is more often purchased by younger, healthier people who are less likely to require a payout by the insurance underwriter. Fortunately, it is also the kind that best serves the needs of young families. You can purchase term life insurance for both parents for a predetermined period that covers the stage of life when you have dependents—perhaps 15, 20, or 25 years.

However, your needs may not be best served by term life insurance. If you have no dependents, or if you are looking to buy a policy that will last the rest of your life, or if you don’t need much coverage, you may find that whole or guaranteed life insurance suit you best. Again, in terms of sheer monthly premiums, term is cheapest for the same amount of coverage, but with one of these other kinds of policies, you may be buying far less coverage than you would if you bought term. If you are single or your kids are independent, and you can buy less coverage than a young family would buy, you may find that it is cheaper for you to go with some other kind of policy.

Who to buy from

Of course, once you have determined what your needs are, you then need to determine who to buy from. There is only one way to find the cheapest plan that gives you the coverage you need. You must do your research. The best way is to get online. There are several websites that compare life insurance rates for companies all over Canada; start checking into several of these. You only have to offer some basic information about yourself to get preliminary quotes, and these sites can show you dozens of companies and the rates they offer. Then you can be sure you have gotten the cheapest life insurance.

Comments (3)

CMA Blog Home

More From
Discuss Life Insurance
Other posts about Canadian Term Life Insurance
More articles from January, 2009
More articles from 2009

Advance Fee Loan Scams in Canada - And Other Scams
- Posted January 16, 2009 by Monty Loree
Post Back Link to Canadian Money Advisor

Advance Fee Loan Scams in Canada - Don't get scammed

I did a search on facebook for advance fee loan scam and came up with this page. It's full of good information about scams on the internet.

The page was put together by: Ramona Heiner (Vancouver, BC)

The Facebook page is entitle: TRUST

Internet & Technology - General
Are you really safe in the internet at all nowadays?

We all got to be so careful....alot of crime has reached the new technology era "internet"...cyber crime can be done in loads of ways...I particulary want to talk about online scam and fraud done via emails, chatrooms, dating websites etc...the internet has become a massive medium, on which criminals found interest to play with.
Becoming a victim of a so called "sweetheart - scam" makes me now realizing how carefully we got to be.
With making up this group i want to warn others and give support to victims of internet it happens everywhere!
Read the news and inform yourself, help yourself, help others and be safe!

DON'T TRUST ANYONE, especially if we have not met someone in real life before...

A) Common elements of Fraud:

Fraudulent cheques and money orders are key elements in many advance fee scams, such as auction/classified listing overpayment, lottery scams, inheritance scams, etc, and can be used in almost any scam when a "payment" to the victim is required to gain, regain or further solidify the victims' trust and confidence in the validity of the scheme.

The use of cheques in a scam hinges on a U.S. law (and common practice in other countries) concerning cheques: when an account holder presents a cheque for deposit or to cash, the bank must (or in other countries, usually) make the funds available to the account holder within 1-5 business days, regardless of how long it actually takes for the cheque to clear and funds to be transferred from the issuing bank.The cheque clearing process normally takes 7-10 days and can in fact take up to a month when dealing with foreign banks. The time between the funds appearing as available to the account holder and the cheque clearing is known as the "float", during which time the bank could technically be said to have floated a loan to the account holder to be covered with the funds from the bank clearing the cheque.

The cheque given to the victim is typically counterfeit but drawn on a real account with real funds in it. With a piece of software like QuickBooks and/or pre-printed blank cheque stock, using the correct banking information, the scammer can easily print a cheque that is absolutely genuine-looking, passes all counterfeit tests, and may even clear the paying account if the account information is accurate and the funds are available. However, whether it clears or not, it will eventually become apparent either to the bank or the account holder that the cheque is a forgery. This can be as little as three days after the funds are available if the bank supposedly covering the cheque discovers the cheque information is invalid, or it could take months for a business or individual to notice the fraudulent draft on their account. It has been suggested that in some cases the cheque IS genuine - however the fraudster has a friend (or bribes an official) at the paying bank to CLAIM it is a fake weeks or even months later when the physical cheque arrives back at the paying bank.

Regardless of the amount of time involved, once the cashing bank is alerted that the cheque is fraudulent, the transaction is reversed and the money removed from the victim's account. In many cases, this puts victims in debt to their banks as the victim has usually sent a large portion of the cheque by some non-reversible 'wire transfer' means (typically Western Union) to the scammer and, since more uncollected funds have been sent than funds otherwise present in the victim's account, an overdraft results.

A central element of advance fee fraud is that the transaction from the victim to the scammer must be untraceable and irreversible. Otherwise, the victim, once they become aware of the scam, can successfully retrieve their money and/or alert officials who can track the accounts used by the scammer.

Wire transfers via Western Union are ideal for this purpose. The wire transfer, if sent internationally, cannot be cancelled or reversed, and the person receiving the money cannot be tracked. In fact, that person often does not have to provide identification; they only have to know the identifiers of the transaction such as the control number and secret question. Thus, the overwhelming majority of scams involve making payment via wire transfer. Other similar uncancellable forms of payment include postal money orders and cashier's cheques, but as wire transfer is the fastest method, it is the most common.

Since the scammer's operations must be untraceable to avoid identification, and because the scammer is often impersonating someone else, any communication between the scammer and his victim must be done though channels that hide the scammer's true identity. The following options in particular are widely used.

Because many free e-mail services do not require valid identifying information, and also allow communication with many victims in a short span of time, they are the preferred method of communication for scammers. Some services go so far as to mask the sender's source IP address, making the scammer completely untraceable even to country of origin.

These services, when notified of an address being used illegitimately, are generally quick to suspend the account. However because a scammer can create as many accounts as he or she wishes and often has several active at one time, finding and shutting down scammer accounts presents only a minor hindrance to scammer operations.

Some fraudsters hijack existing e-mail accounts and use them for advance fee fraud purposes. The fraudsters e-mail associates, friends, and/or family members of the legitimate account owner in an attempt to defraud them.This ruse generally requires the use of phishing or keylogger computer viruses to gain login information for the e-mail address.

Facsimile machines are commonly used tools of business, whenever a client requires a hard copy of a document. They can also be simulated using web services, and made untraceable by the use of prepaid phones connected to mobile fax machines or by use of a public fax machine such as one owned by a document processing business like Kinko's. Thus, scammers posing as business entities often use fax transmissions as an anonymous form of communication. This is more expensive, as the prepaid phone and fax equipment will cost more than a free e-mail service, but the end result to a skeptical victim can be more believable and thus make faxes worth the added cost.

Many scams use telephone calls to convince the victim that the person on the other end of the deal is a real person and telling the truth. The scammer, possibly impersonating a U.S. citizen or other person of a nationality - or even gender - other than his or her own, would arouse suspicion by placing an ordinary voice call to the victim. In these cases, scammers use TRS, a US federally-funded relay service where an operator or a text/speech translation program acts as an intermediary between someone using an ordinary telephone and a deaf caller using TDD or other TeleType device. The scammer might specify they are deaf or not, and that their use of a phone requires the use of a relay service. The victim, possibly drawn in by a sense of sympathy for the caller in light of a stated disability, might be more inclined to agree to the fraudulent arrangement.

Because of current FCC regulations and confidentiality laws, operators are required to relay every call verbatim and must adhere to a strict code of confidentiality and ethics. Thus no relay operator is permitted to make judgements about the legality and/or legitimacy of any relay call and must relay the call without interference. As such, the relay operator cannot warn victims even when they suspect that the call is a scam; some sources claim that up to half of all IP Relay calls are scams.

Due to the relative ease at tracking phone-based relay services, scammers have a tendency to use Internet Protocol-based relay services such as IP Relay to place these calls. A common strategy consists of binding their overseas IP address to a router or server located on US soil, thus allowing them to use US-based relay service providers without interference.

TRS is sometimes used to relay credit card information for the purposes of making a fraudulent purchase with a stolen credit card. In many cases however, it is simply a means for the scammer to further lure the victim into the scam.

Though 419 scams are often perpetrated by e-mail alone, some scammers enhance the believability of their offer through the use of a sham website. Such websites can imitate real sites such as eBay, PayPal, or a banking site like Bank of America for the purposes of phishing, while others are totally fictional and used to lend credibility to a scammer's story. Though phishing is only a secondary interest of most scam operations, as the object of the scammer is to deceive the victim into sending the money through legitimate means, the use of websites for advance fee fraud is common. For instance, a scammer may create a website for a fictional bank, then give the victim details to login to the site, where the victim then sees the money that the scammer has promised sitting in the account. The victim is then more likely to believe the scammer and send the requested advance payments. Fake (or hijacked) websites are the centerpiece of false online storefront scams.

Another twist on scamming is where links are provided to real news sites covering events the scammer says are relevant to the transaction they propose. For instance, a scammer may use news of the death of a prominent government official as a backstory for a scam involving getting millions of dollars of the slain official's money out of the country. These are real websites covering legitimate news, but the scammer is usually not connected in any way with the events reported, and is simply using the story to gain the victim's sympathy.

Sometimes, victims are invited to a country to meet real or fake government officials. Some victims who do travel are instead held for ransom. In some rumored cases, they are smuggled into the country without a visa and then threatened into giving up more money as the penalties for being in a foreign country without a visa may be severe.Sometimes victims are ransomed or killed.


B) Variants:

Some schemes are based solely on conning the victim into cashing fake cheques. The scammer will contact the victim to interest them in a "work-at-home" opportunity, or asking them to cash a cheque or money order that for some reason cannot be redeemed locally. A recently-used cover story is that the scammer wishes the victim to work as a "mystery shopper", evaluating the service provided by MoneyGram or Western Union locations within major retailers such as Wal-Mart.The scammer sends the victim a cheque or money order, the victim cashes it, sends the cash to the scammer via wire transfer, and the scammer disappears. Later the forgery is discovered and the bank transaction is reversed, leaving the victim liable for the balance. Schemes based solely on cheque cashing will usually offer only a small part of the cheque's total amount, with the assurance that many more cheques will follow; if the victim buys in to the scam and cashes all the cheques, the scammer can win big in a very short period of time. Other scams such as overpayment usually result in smaller payoffs for the scammer, but have a higher success rate as the scammer's request seems more believable.

Some cheque-cashing scammers use multiple victims at multiple stages of the scam. A victim in the U.S. or other "safe" country such as the U.K. or Canada (often the country in which the cashing victim resides) is sometimes approached with an offer to fill out cheques sent to them by the scammer and mail them to other victims who will cash the cheque and wire the money to the scammer. The cheque mailer is usually promised a cut of the money from the scammer; this usually never occurs, and in fact the cheque mailer is often conned into paying for the production and shipping costs of the cheques. The cheque information has either been stolen or fictionalized and the cheques forged. The victim mailing the cheque is usually far easier to track (and prosecute) than the scammer, so when the cheques turn up as fraudulent, the one mailing them usually ends up not only facing federal bank fraud and conspiracy charges, but liability for the full amount of the fraudulent cheques. Because the cheque mailer is taking the fall, the scammer is even less likely to be caught, which makes it a popular variation of the scam for scammers in nations with tougher anti-fraud laws.

A recent variant is the "Romance Scam" which is a money-for-romance angle. The victim is usually approached by the scammer on an online dating service, on an Instant messenger (like Yahoo IM) or even social networking sites. The scammer claims to have become interested in the victim, and have pictures posted of an attractive person who is not actually the poster. The scammer uses this communication to gain the victim's confidence, and then ask for money. The offending party may claim to be interested in meeting the victim, but needs some cash up front in order to book the plane, hotel room, and other expenses. In other cases, they may claim they're trapped in a foreign country and need assistance to return, to escape imprisonment by corrupt local officials, to pay for medical expenses due to an illness contracted abroad, and so on. The scammer may also use the confidence gained by the romance angle to introduce some variant of the original Nigerian Letter scheme, such as saying they need to get money or valuables out of the country and offer to share the wealth, making the request for help in leaving the country even more attractive to the victim. A newer version of the scam is to claim to have 'information' about the fidelity of a person's significant other which they will share for a fee. This information is garnered through social networking sites by using search parameters such as 'In a relationship' or 'Married'. Anonymous emails are first sent to attempt to verify receipt, then a new web based email account is sent along with directions on how to retrieve the information.

The lottery scam involves fake notices of lottery wins. The winner will usually be asked to send sensitive information to a free email account. The scammer will then notify the victim that in order to release the funds, some small fee (insurance, registration, or shipping) is required. Once the fee has been sent, the scammer will invent another fee and attempt to collect it.

Much like the various forms of overpayment fraud detailed above, a new variant of the lottery scam involves fake or stolen cheques being sent to the 'winner' of the lottery (these cheques representing a part payment of the winnings). The winner will then be more likely to assume that the win is legitimate and subsequently more likely to send the fee (which he does not realize is an advance fee). The cheque, and associated funds, will then be flagged by the bank when the fraud is discovered and debited from the victim's account.

In 2004 a variant of the lottery scam appeared in the United States. Fraud artists using the scheme call victims on telephones; a scammer tells a victim that a government has given him or her a grant and that he or she needs to pay an advance fee, usually around 250 United States dollars, in order to receive the grant.

An e-mail is sent to the victim's inbox, supposedly from a hitman who has been hired by a "close friend" of the recipient to kill him or her but will call off the hit in exchange for a large sum of money. This is usually backed up with a warning not to contact the local police or FBI, or the "hitman" will be forced to go through with the plan.This is less an advance fee fraud and more outright extortion, but a reward can sometimes be offered in the form of the "hitman" offering to kill the man who ordered the original hit on the victim.

Related to the hitman scam, the scammer will contact a business, mall, office building or other commercial location with a bomb threat. The scammer says they will detonate the bomb unless the management of the business does as the scammer tells them. Often, the scammer says that they have the store under surveillance; however, analysis of the calls by police have established that the vast majority of threat calls are made from other states or even from outside the country. Some evidence exists that points to the scammers hacking into the store's surveillance network, but this has not been confirmed in any case and has been refuted in others.The scammer usually demands that the store management or people in the headquarters office of the store (if the store is a chain) send money via wire transfer to the scammer to spare the store and the people in it. Other demands of these scammers have been more personal and humiliating, such as demanding that everyone in the store disrobe.

Because the underlying threat in the scam is a bomb threat, local law enforcement very quickly responds to the site under threat; however, because the scammer is usually nowhere near this location, the scammer is in little if any danger of being apprehended while the scam is playing out. Law enforcement, in the meantime, cannot assume the threat is anything but genuine, and therefore can do little to intervene without risking the detonation of the bomb. The fact that the threat was in reality a scam has usually not been discovered until long after the situation is over—and the extortionist has collected the money demanded.

The scammer poses as a charitable organization soliciting donations to help the victims of a natural disaster, terrorist attack (such as the Sept. 11 World Trade Center attack), regional conflict, or epidemic. Hurricane Katrina and the 2004 tsunami were popular targets of scammers perpetrating charity scams; other more timeless scam charities purport to be raising money for cancer, AIDS or Ebola virus research, or impersonate charities such as the Red Cross or United Way. The scammer asks for donations, often linking to online news articles to strengthen their story of a funds drive. The scammer's victims are charitable people who believe they are helping a worthy cause and expect nothing in return. Once sent, the money is gone and the scammer often disappears, though many will attempt to keep the scam going by asking for a series of payments. The victim may sometimes find themselves in legal trouble after deducting their supposed donations from their income taxes

This variant targets former victims of scams. The scammer contacts the victim saying that their organization can track and apprehend the scammer and recover the money lost by the victim, for a price. Alternatively, the scammer may say that a fund has been set up by the Nigerian government to compensate victims of 419 fraud, and all that is required is proof of loss (which usually includes personal information) and a processing and handling fee to release the amount of the claim. The scammer is counting on the victim's dire need to recover their lost money, as well as the fact that they have fallen victim before and are therefore susceptible to such scams. Often, these scams are perpetrated by the same scammer who conned the victim in the first place, as an attempt to ensure the scammer gets every penny possible from the victim. Alternately, the original scammer will "sell" a list of the people he has scammed but who have ceased contact to another scammer who runs the recovery scam. Sometimes the scammer impersonates the foremost "fraud related crime-fighters" in Nigeria, the EFCC (Economic and Financial Crimes Commission), which not only adds credibility to the scam, but tarnishes the reputation of the EFCC once this second scam is discovered

Lately scammers have been finding new victims using puppies (usually English Bulldogs or Yorkies; a cute, expensive breed coveted by families who cannot afford them) or exotic pets. A scammer first posts an advertisement or sets up a web page offering these sweet little puppies for adoption or for sale at a ridiculously low price, most often using stolen pictures from other websites and respectable breeders. When a victim responds to the aid and questions the lowered price or reason for giving up such an adorable and expensive pet, the scammer first explains that they have recently moved to Nigeria or Cameroon from the US for work (usually volunteer work as missionaries) or for studies, and claims either to have no time to properly care for the pet, that the weather has had such a terrible toll on the pet or that they have too many pets to care for. Keep in mind that in order to fool the victim into believing that they truly care for these pets and that they are not interested in money, the scammer will probably continually remind the victim that they only want the best for their "babies" (and they will, at least once, call the animal a baby, not only to fool the victim, but to also avoid fouling his own scam by referring to the pet with the wrong name, breed or sex). The scammer and victim will exchange a few emails to build trust. Once it is established that the victim offers the right home for the pet, the scammer will then offer to ship the pet and requests that the victim only pay for shipping. The victim, who now has an emotional attachment to the pet, feels obligated and even happy to do so, as shipping would be such a small price to pay compared to actually buying the pet from a breeder or pet shop at full price. The scammer requests Western Union to keep the deal going in a timely fashion as the pet is ready to go to a new home and the victim is now excited. However, after wiring money, the victim will not receive the pet (as the pets don't exist), and if the victim does hear from the scammer again it is only for more money (to get puppy out of airport holding, or to pay unexpected vet bills that have come up) until the victim stops responding.

C) Consequences:

Estimates of the total losses due to the scam vary widely.
Although the "success rate" of the scam is hard to gauge, some experienced 419 scammers get one or two interested replies for every thousand messages. Stephanie Nolen of The Globe and Mail said that an experienced scammer can expect to make at least several thousand dollars per successful scam letter.

Ultrascan Advanced Global Investigations, a Netherlands-based firm which has been studying 419 matters since the mid-1990s, has prepared a table quantifying 419 operations by country for 2005 and 2006. These stats are based on Ultrascan's in-house investigations and include, by nation: number of 419 rings; number of 419ers; income of the 419ers (the amount of losses by victims to the 419ers); and additional data. 419 Coalition view is that these stats present a reasonably conservative and realistic look at the extent and magnitude of 419 criminal operations worldwide.

Since 1995, the United States Secret Service has been involved in combating these schemes. The organization will not investigate unless the monetary loss is in excess of fifty thousand US Dollars. However, very few arrests and prosecutions have been made due to the international aspect of this crime.

In 2006, a report by a research group concluded that Internet scams in which criminals use information they trick from gullible victims and commonly strip their bank accounts cost the United Kingdom economy £150 million per year, with the average victim losing £31,000
The Nigerian scam is hugely successful. According to a 1997 newspaper article:

"We have confirmed losses just in the United States of over $100 million in the last 15 months," said Special Agent James Caldwell, of the Secret Service financial crimes division. "And that's just the ones we know of. We figure a lot of people don't report them."

Some victims have hired private investigators in Nigeria or have personally travelled to Nigeria, without ever retrieving their money. There are undocumented cases of victims being unable to cope with the losses and committing suicide. In November 2003, Leslie Fountain, a senior technician at Anglia Polytechnic University in England, set himself on fire after falling victim to a scam; Mr. Fountain died of his injuries. In 2006 an American living in South Africa hanged himself in Togo after being defrauded by a Ghanaian 419 con man.
In February 2003, a 72 year-old scam victim from the Czech Republic shot and killed 50-year old Michael Lekara Wayid, an official at the Nigerian embassy in Prague, and injured another person.

On June 2, 1996 in Lomé, Togo, 419ing kidnappers held a Swedish businessman for $500,000. Swedish police and the kidnappers negotiated before the kidnappers released the man on June 12, 1996.
From September 1995 to April 1997, conmen held at least eight Americans against their will. In 1996 the embassy repatriated ten Americans who fell victim to 419 schemes.
Joseph Raca, a former mayor of Northampton, England, was kidnapped by scammers in Johannesburg, South Africa in July 2001. The captors released Raca after they became nervous.
Dănuţ Tetrescu, a Romanian who flew from Bucharest to Johannesburg to meet with con men in the Soweto area of Johannesburg, was kidnapped in 1999 and held for $500,000.

29-year old George Makronalli, a Greek man, was murdered in South Africa in December 2004 after responding to a 419 scam.
Kjetil Moe, a Norwegian businessman, was reported missing and ultimately killed after a trade with Nigerian scammers in Johannesburg, South Africa (September 1999).
One American was murdered in Nigeria in June 1995 after being lured by a 419 scam.From 1994 to April 1997 419 scammers murdered 15 people in total.

Victims, in addition to having lost tens of thousands of dollars, often also lose their ability to trust. The 419 Eater website says, "Although there is no serious physical injury, many victims of con-men speak of the betrayal as the psychological equivalent of rape". Victims may blame themselves for what has happened, resulting in overwhelming guilt and shame. If the victim has borrowed money from others to pay the scammer, these feelings are magnified. Further compounding the problem is the public opinion of scam letters and scam victims. Scam letters are often viewed as humorously moronic, and the people who fall for them equally so, in complete disregard to the fact that people from all walks of life at every level of education fall for these scams. The victim, having lost money through the scammer's manipulation of payment methods such as money orders or cheques, may become distrustful of the financial system. Scam victims may stop trusting and giving money to churches, legitimate charities and, in the extreme, even service providers such as their electric company because of their requests for money. Some victims commit suicide.In other cases, the victim will continue to contact the scammer after being shown proof that they are being scammed or even being convicted of crimes relating to the scam, having been drawn so deeply into the web of deception that their trust in what the scammer tells them overrides everything else in their life.

In 2004, fifty-two suspects were arrested in Amsterdam after an extensive raid. An Internet service provider had noticed the increased email traffic. None were jailed or fined, due to lack of evidence. They were released in the week of July 12, 2004.

On November 8, 2004, Nick Marinellis of Sydney, Australia, was sentenced to 4 1/3 to 5 1/4 years for sending Nigerian 419 e-mails.

In October 2006 the Amsterdam police launched Operation Apollo to fight internet fraud scams operated by West Africans and notably Nigerians. Following this investigation police have arrested 80 suspects, most of them from Nigeria, and seized from their homes lists of email addresses, as well as fake documents. On June 16, 2007 111 people were arrested for being in The Netherlands illegally and suspicion of fraud, although their implication with the email scams is yet unknown.

Authorities in Nigeria have been slow to take action and for many years nothing was done. Nigeria has a reputation for criminals being able to avoid convictions through bribery and rumours abounded of official connivance in the scams. In 2003 however the Economic and Financial Crimes Commission (EFCC) was charged with tackling the problem. A couple of success stories including convictions in a large 419 case were reported in 2005.

Edna Fiedler, 44, of Olympia, Washington, on June 25, 2008, pleaded guilty in a Tacoma court and was sentenced to 2 years imprisonment and 5 years of supervised release or probation in an Internet $1 million "Nigerian check scam." She conspired to commit bank, wire and mail fraud, against US citizens, specifically using Internet by having had an accomplice who shipped counterfeit checks and money orders to her from Lagos, Nigeria, last November. Fiedler shipped out $ 609,000 fake check and money orders when arrested and prepared to send additional $ 1.1 million counterfeit materials. Also, the U.S. Postal Service recently intercepted counterfeit checks, lottery tickets and eBay overpayment schemes with a face value of $2.1 billion.

Victims of the fraud sometimes fall directly into crime by "borrowing" or stealing money to pay the advanced fees, thinking an early payday is imminent. Credit-card fraud, check kiting, and embezzlement are among the crimes committed to pay the advances, with an expectation of having the money to repay the unauthorized loans.

Former Alcona County (Michigan) Treasurer Thomas A. Katona was sentenced to 9-14 years for his embezzlement of more than US$1.2 million in county funds in a Nigerian fraud scheme, which represented 25% of the county's budget for that year.
Another example of this was Robert Andrew Street, a Melbourne-based financial adviser, who fleeced his clients for over AU$1 million which he sent to the scammers in the hope of receiving US$65 million in return. Eventually the Australian Securities and Investments Commission (ASIC) investigated the victim, who had now become a conman himself.



1) Fall mugu = (to)
To be fooled, to become victim of advance fee fraud.
Flash of account

Cause the victim's bank account to temporarily show a large credit. This is intended to induce the victim to believe in the deal and send money. The credit gets reversed by the bank when it is discovered that the original cheque or electronic transfer was fraudulent.
The scheme or script of an advance fee fraud, e.g., the late dictator format (the scammer pretends to be a relative of a dictator, e.g. Maryam Abacha, "Wife" of Sani Abacha), the next of kin format, the lottery format.

2) Guyman, guy =
Scammer engaged in advance fee fraud.
3) Jokeman = A scambaiter.
4) Luxcini =An investment scam involving a line of men's luxury clothing based in Beverly Hills, California
5) Maga, mugu, mugun, mahi, magha,[23] mahee, mayi, mayee, mgbada(antelope) = Victim of advance fee fraud. "Mugu" is Igbo for "fool" and is often used as an insult by scam-baiters referring back to the scammer.
6) Modalities =commonly used term for methods of funds transfer.
7) Nwachukwu = An advanced fee fraud posing as a Stock Options trading corporation.
8) Oga or Chairman = Boss or Owner of the job, Catcher
Scammer who makes the first contact with a victim and then passes him on to another scammer who finishes the job. The latter shares the spoil with the former.
9) Runs = An (illegal) activity.
10) Yahoo millionaires,yahoo boys = Scammers
The act of scamming, especially through the use of a Yahoo! mail address.


C) Some Pidgin English Words and Phrases can be found on here (used in Nigeria):

Recent News
One of my recent experiences with a criminal you can read on my myspace blog listed below under files posted or click on this link and go to my blogs.:

Check this out how easy people get access to your private informations and might be stealing your idendity.:

How I stole someone's Idendity:
Does somebody want to transfer millions of dollars into your account?
Does someone want you pay you to cash cheques and send them the money?
Met a new friend/penpal on a friendship/dating site who's asking you for money?
Has a dying person contacted you wanting your help to give his money to charity?
Have you sold an item and are asked to accept a payment larger than the item amount?
Don't fall for common scams like this
fight them!

Avoid scams
All spam emails/unsolicited phone calls/letters and faxes are
As a general rule - ANYTHING involving Western Union/money
gram = Scam.
my Advice: Don't deal with anyone out of state or from a foreign country or Accept or cash checks from strangers and
never use wire/bank transfer services.. you risk losing your
$$ and your mind.
If you sell stuff online.. Accept Cash or paypal only.
If you buy stuff online.. Use Paypal only.
Remember, if it sounds too good
to be true, it probably is! NEVER(ever) give out your personal
information to strangers online or offline! Always be on

5 RULES to apply....

NEVER pay anything up front for ANY reason.

NEVER extend credit for ANY reason.

NEVER do ANYTHING until their cheque clears.

NEVER expect ANY help from other countries Government.

NEVER rely on YOUR government to bail you out.

this page "TRUST" is still under patient please ;-)

Comments (26)

CMA Blog Home

More From
Discuss Canadian Credit Bureaus
Other posts about Canadian Credit Bureaus
More articles from January, 2009
More articles from 2009

You Need To Save Money - 3 tips VIDEO
- Posted January 14, 2009 by Monty Loree
Post Back Link to Canadian Money Advisor

You Need To Save Money - 3 tips VIDEO

I did this quick video talking about the need to save money.
I was watching Niall Ferguson's The Ascent of Money, and he talked about the U.S. being call Chimerica... I was floored to think that the U.S. would be controlled by China, because they're in so much debt to them.

There are three types of savings
1) Short Term - Emergency funds
2) Intermediate Term - Savings for more expensives fixes like furnace, car, home repairs etc
3) Long Term Savings - Retirement funds etc.

We need to talk more and more about saving money. It's not the most exciting topic. It's not as fun as the movie you just went to see, or the rock concert at the stadium. Saving money is pretty boring to be honest..

Saving money builds cash reserves that make you sleep better and worry less. It's all about insulating you and your family from the bumps in the road.

I went on to Youtube today and saw some videos about people who are ripping up their credit cards, setting their debts and doing other things to try to cope with this economic crisis.

What I would like to see more of are people who slow down their lifestyles and start to take financial control of their situation. It's not that hard... You just have to watch what you're doing and take notice.

I'm pleased to do this video if it encourages people to save more money, pay down credit cards, and get in control of their personal finances!

Good luck with your credit.

Comments (1)

CMA Blog Home

More From
Discuss General Discussion
Other posts about Canadian Personal Finance
More articles from January, 2009
More articles from 2009

expert panel on securities regulation
- Posted January 12, 2009 by Monty Loree
Post Back Link to Canadian Money Advisor

Expert Panel on Securities Regulation/Groupe d'experts sur la réglementation des valeurs mobilières‏

I was asked to post this by the folks at the federal government

From an email sent today:
The Hon. Thomas Hockin, Chair of the Expert Panel on Securities Regulation, has today released the Panel’s Final Report and Recommendations during a speech to the Vancouver Board of Trade.

The Report and Recommendations, along with the Panel’s News Release, Mr. Hockin’s speech and background on the work of the Panel can be found at

For further information please contact David Murchison, Executive Director of the Expert Panel on Securities Regulation in Ottawa at 613-947-8614 or George Bentley, Communications and Consultations Manager in Vancouver at 613-791-6741.

L'honorable Thomas Hockin, président du Groupe d'experts sur la réglementation des valeurs mobilières, a présenté le rapport final et les recommandations du Groupe d'experts aujourd'hui, lors d'une allocution qu'il a prononcée devant le Vancouver Board of Trade.

Le rapport et les recommandations, le communiqué du Groupe d'experts, le discours de M. Hockin et les renseignements de base sur les travaux du Groupe d'experts sont accessibles sur le site

Pour de plus amples renseignements, veuillez communiquer avec David Murchison, directeur exécutif du Groupe d'experts sur la réglementation des valeurs mobilières à Ottawa, au 613-947-8614, ou avec George Bentley, gestionnaires des Communications et des consultations à Vancouver, au 613-791-6741.

Comments (2)

CMA Blog Home

More From
Discuss Life Insurance
Other posts about Canadian Term Life Insurance
More articles from January, 2009
More articles from 2009

Do We Need More Debt in 2009?
- Posted January 08, 2009 by Monty Loree
Post Back Link to Canadian Money Advisor

Do We Need More Debt in 2009?

I am furious today to see the headline article on
A $2 trillion bet on powering America

I mean, how dumb can you be? It seems that the U.S. federal government is really gasping for air right now.

The U.S. government is borrowing like crazy to stimulate the economy. That sends a direct message to the consumer that it's good to borrow, and that it's necessary to borrow.

In this video I give three personal finance scenarios about why people shouldn't borrow right now.

It is my strong opinion that the government should not be encouraging people to borrow... that's why the economy is in the position it's in. borrowing more means putting people under more pressure.

Please do drop by youtube and rate my video, and comment on it.

The U.S. government is taking on trillions of dollars in debt
They're encouraging consumers to take on debt

Why is this wrong?

    3 scenarios that people generally face with the personal finances.

  1. Let's say you've got $250,000 in cash and no debt
    or even $10,000 in cash...
    Would you use credit ever?
    How would you feel?

  2. You've got $10,000 in cash and $30,000 in debt
    This is alright, as long as you don't lose your job
    and use up your reserves

  3. You've got $0 in cash and $30,000 in debt
    Now you're worried because you may have problems if you lose your job etc

In any of these scenarios should you be taking on more debt?

Discuss this subject here:
Do we need more debt?

Comments (3)

CMA Blog Home

More From
Discuss Debt Settlement
Other posts about Canadian Debt Management
More articles from January, 2009
More articles from 2009

Affordable Life Insurance in Canada
- Posted January 06, 2009 by Monty Loree
Post Back Link to Canadian Money Advisor

Affordable Life Insurance in Canada

Canadians know that it is important to have life insurance. Life is full of risks, and if something should happen to you, your family would be left not only without your personal presence, but also without the income and support you brought to them in a material sense. Many people delay getting a life insurance policy because they feel that it is too expensive, but there are several options available that won’t break your budget, and will make it possible for you to protect your family.

The cost of a life insurance plan depends in part on which kind of policy you decided to get. There are several different kinds of life insurance that are available to Canadians. These include:

  • Term life insurance. This is the most affordable option of the several plans. Term life insurance covers a family for a specified term, such as ten or twenty years. It is the most common plan used by families with children, because it provides a higher level of protection for a shorter amount of time, usually replacing one parent’s income while the children are growing or are in college. Once the term coverage has expired, you can switch to another form of life insurance, or you can renew your term life insurance for another set term.
  • Whole life insurance. These policies are a bit more expensive than term life policies. One of the benefits of these plans is that they do not expire; they continue to offer the same level of coverage for as long as you continue to pay your premiums. They also tend to have a much higher cash value after you have paid into them for a while.
  • Universal life insurance. Universal life insurance is a less common option, but still an available one. The main difference between universal and whole life insurance is that you are responsible for investing your own premiums. If your investment isn’t as successful as you had hoped, you might experience a decrease in the value of your policy, which might leave your loved ones without the protection they need if you die.
  • Accidental death and dismemberment insurance. This is insurance that is specifically geared toward what happens if you die suddenly or if you are maimed in an accident. This policy, called AD&D, is not a primary insurance policy, but it provides supplemental payments in addition to your normal policy. If you are looking for the most affordable plans, it might not make sense to pay extra for a supplemental policy, but if you work at a risky or dangerous job, it might be worth the extra money.
  • Guaranteed life. This is a policy for those who are desperate to acquire life insurance. If you are looking for good, affordable plans, this is probably not the best way to go. You are guaranteed to be covered, no matter what your age or health condition, but you will pay much higher premiums and you will get much lower benefits from your policy.

Comments (3)

CMA Blog Home

More From
Discuss Life Insurance
Other posts about Canadian Term Life Insurance
More articles from January, 2009
More articles from 2009

Credit Repair Canada - 3 things you should know
- Posted January 02, 2009 by Monty Loree
Post Back Link to Canadian Money Advisor

Credit Repair Canada - 3 things you should know

I created this video to talk about three points people need to know about credit repair.

Monty Loree - Talking about credit repair in Canada.

Three points to discuss

1) Credit Repair is not an exact science

2) Everything on your credit report must be accurate, complete and verifiable.
a) accurate means that the information is what you said it was
b) complete means that pieces of information aren't left out
c) verifiable means that the credit bureau must be able to verify your information

3) Put your dispute down in writing
a) If you don't write it down, you can't complain about it to the regulatory bodies.
b) If you don't complain to the regulatory bodies, you probably won't get any action on your dispute.

I will invite you to submit any documentation that you've received through the credit repair process. If you send me some documentation, I'll post it to the FAQ section of the site. I want to collect as much factual information in 2009 as possible.

Please do give me your comments or questions on the video.

Comments (6)

CMA Blog Home

More From
Discuss Canadian Credit Repair
Other posts about Canadian Credit Repair
More articles from January, 2009
More articles from 2009

Is saving money & Paying off debts boring?
- Posted January 01, 2009 by Monty Loree
Post Back Link to Canadian Money Advisor

Is saving money & Paying off debts boring?

Just a quick rant..

I did a video on youtube and I was talking about the fact that saving money and paying off debt is boring, but responsible.

This video was in reply to all of the doom and gloom people who are saying that the economic world is coming to an end.

The point I was trying to make was this:
Saving money is boring
Paying down debt is boring
Being financially responsible is boring
Sleeping well every night because I don't worry is not boring.

The reason that North Americans are in such bad shape financially is that they've chased instant gratification for the last 20 years. It's pretty exciting to have the latest gadgets and entertainment. It's been fun, fun, fun!

Now that people are over extended and have to pay the bills, that's not fun any more.

I know a young fellow who's declared bankruptcy. He really hasn't learned his lesson yet. However, he still likes his fun, and he still spends his money right into the floor.

He mentioned to me that, "I am up against the wall financially". He lives pay cheque to pay cheque. This is the same thing he tells me each time I see him. He's constantly in need of money. However, he has way more fun than I do!

Saving money isn't very exciting. You put the money in your account, and then forget about it. That doesn't buy excitement. But money in the bank does buy you peace of mind.

Paying down debt isn't exciting. You send your payments to the credit card company. You keep paying until the debt is paid off, and the money doesn't go to exciting things. You do get peace of mind when the debt is paid off.

Retailers aren't excited when you save your money and pay down your debts. They aren't making money. They don't have your best interest at heart. Retailers love you when you're spending money with them. That's kind of a false love...IMO

As I get older, I guess I like peace of mind more than I like excitement. I would rather be debt free and money in the bank than constantly having excitement.

I would like to be financially responsible instead of being at the edge all the time.

I'm hoping that people will learn the debt lesson even more in 2009!

Happy New Year!

May this be the most debt free, cash full, and money responsible year we've ever had!


Comments (3)

CMA Blog Home

More From
Discuss Investing
Other posts about Canadian Personal Bank Accounts
More articles from January, 2009
More articles from 2009

prepaid credit cards here get your prepaid credit cards here
- Posted January 23, 2006 by Monty Loree
Post Back Link to Canadian Money Advisor


I was doing a little research as to some of the things people are searching for on the internet. One of the searches that I came across is Prepaid Credit Cards.

Canadian Prepaid Credit Card
Capital One - Secured MasterCard
Apply Today! Canadian Prepaid Credit Card-->

They're catching on, and more and more Canadians are looking for prepaid credit cards to help fix their credit , or just start their credit.

People in Canada want to know where they can get an application for a prepaid credit card in Canada. They want to know where in Canada they can apply to receive a prepaid credit card.

I've been telling people about the HomeTrust Prepaid credit card application

Prepaid credit card information.

Prepaid credit cards are pretty simple, although at first they go against our traditional logic: You give the creditor such as HomeTrust Visa $1000 as security, and you get a credit card with a credit limit of $1000.

Why would anybody want to do that?
Why would want to give money to secure a credit card, especially when credit cards are supposed to be unsecured? Simply put, if you're having trouble getting credit, and you need some positive credit items on your credit report, a secured credit card is a way to do that in the short term.

A secured credit card reports to the credit bureau like a regular credit card, meaning that you're putting a current, positive credit item on your credit report. If you have bad credit, this can help outweigh the negative items.

This is also good for students and new immigrants to Canada.
Students who are just starting off in life have no credit rating with Equifax Canada and TransUnion Canada. A prepaid card allows them to start a credit rating without having their parents or friends co-sign for them.

People are new immigrants in Canada may have good credit in their country of origin, however, they have no credit rating with the Canadian credit bureaus. A prepaid card allows them to secure a credit card right away and get started building their credit rating in Canada.

Check out further information about prepaid credit cards here:
prepaid credit cards in Canada

Information about

Comments (0)

CMA Blog Home

More From
Discuss Secured Credit Cards
Other posts about Canadian Secured Credit Cards
More articles from January, 2006
More articles from 2006

InstaLoans PayDay loans loses class action law suit for $1.4 million dollars.
- Posted January 11, 2006 by Monty Loree
Post Back Link to Canadian Money Advisor

InstaLoans PayDay loans loses class action law suit for $1.4 million dollars.

I was listening to CBC Radio this morning and they had an interview with Plaintiff's lawyer who was saying that InstaLoans payday loans agreed to pay $1.4 million dollars to over 40,000 customers.

These are customers who took out pay day loans in Canada.

InstaLoans was charging a criminal interest rate of over 60% interest, which is considered the criminal limit . Criminal limit means they could go to jail.

Apparently there are actions against all of the other payday loan companies who charged criminal interest rates of more than 60% interest.

So... if you've taken out a loan with InstaLoans or any of the other payday loan companies in Canada with in the last few years, there maybe some judgement money waiting for you.

And please, don't pay more than 60% interest, which is a criminal interest rate!

Comments (6)

CMA Blog Home

More From
Discuss Trust and Loans
Other posts about Canadian PayDay Loans
More articles from January, 2006
More articles from 2006

transunion canada starts stops advertising here credit repair in canada
- Posted January 02, 2006 by Monty Loree
Post Back Link to Canadian Money Advisor

Early in August 2005 I contacted TransUnion Canada to advertise on this site. This site, in my opinion is really well targeted to their interested parties.

In having them on here, I promised that I would talk negatively about them.. After all, I want to help sell their credit reports.

I promised them that I wouldn't talk about credit repair in Canada. TransUnion Canada won't deal with credit repair companies, even though credit repair websites are the best place to sell credit reports.. Go figure!!

Last week TransUnion Canada notified me that they are terminated my contract with them to be an affiliate and sell credit reports on this site. My goodness... would TransUnion please make up its mind.

Long story short, I am pulling their ads off of my site.
Please order your TransUnion Canada credit report from the link on my site before January 21, 2006. That's when I'll remove their links from my site.

You have to ask yourself, how many places do you see TransUnion on Canadian websites? How many money focussed websites like Canadian Money Advisor are there in Canada. This is one of the few sites that talk about financial institutions like we do.

So... credit repair is live and growing in Canada. 2006 will be an even better year for developing awareness for Canadians about how to handle their credit.

Canadian money advisor is the place to talk about money.

Comments (0)

CMA Blog Home

More From
Discuss Canadian Credit Bureaus
Other posts about Canadian Credit Bureaus
More articles from January, 2006
More articles from 2006

Posts Archives from Previous Months
2012: July 2012: June 2012: May
2012: April 2012: March 2012: January
2011: October 2011: September 2011: August
2011: July 2011: June 2011: May
2011: April 2011: March 2011: February
2011: January 2010: December 2010: November
2010: October 2010: September 2010: August
2010: June 2010: May 2010: April
2010: March 2010: February 2010: January
2009: December 2009: November 2009: October
2009: September 2009: August 2009: July
2009: June 2009: May 2009: April
2009: March 2009: February 2009: January
2008: December 2008: November 2008: October
2008: September 2008: August 2008: July
2008: June 2008: May 2008: April
2008: March 2008: February 2008: January
2007: December 2007: November 2007: October
2007: September 2007: August 2007: July
2007: June 2007: May 2007: April
2007: March 2007: February 2007: January
2006: December 2006: November 2006: October
2006: September 2006: July 2006: June
2006: May 2006: April 2006: March
2006: February 2006: January 2005: December
2005: September 2005: August 2005: July

Subscribe in a reader

Better Business Bureau Member

blog roll
Canadian Debt Settlement
Canadian Dollar Forex
Monty Loree - EzineArticles
Life Insurance Rates
Life Insurance Blog
Canadian Mortgage Trends
Ellen Roseman
Canadian Life Insurance
CMA Faqs Master
DoFollow Blog Directory

Enjoy our "What Is This?" articles
Credit Repair
Making Money
Saving Money
Retirement Planning
Comments on our
Blog Posts

2012-12-12 20:21:33
Canadian Credit Delinquencies Rising Deloitte Warns Canada
Put a date on your articles so that people know when it was written! How else will someone else understand if the information is recent?
Comment By:

2012-12-12 12:18:15
Freedom Prepaid Mastercard Debit Card For Canadians
How do i check my account balance i only bought a couple of things on this card n now i have nothing on my account i got it a couple of weeks ago ????
Comment By:
kyle from regina

2012-12-05 04:58:54
Car Repossessed Trouble With High Risk Car Loans
Reading all the comments below is dont have to be a rocket scientist...........every post the people didnt make there payments n
Comment By:

2012-11-13 23:08:19
Cbv Collection Services Problems
same deal,,these criminals sent a bill saying i owe 18,000$..hilarious,,they call me 5x per day..i am taking rogers to court..small claimes..why not y
Comment By:
karen cliff

2012-11-13 13:18:44
Retail Theft Could Get You Sued
I keep receiving emails and phone calls from people who think they can simply ignore the letters from these Civil Recovery lawyers. Don't. They
Comment By:
Gerry Laarakker

2012-11-10 12:04:12
Bad Credit Loans For Individual On Benefit And Have Low Income
I am a single mother and have a high gas bill can't afford to pay it I'm on ontario works and have a full time job but one income doesn't cut it I nee
Comment By:
amber haayema

2012-10-18 08:23:07
Retail Theft Could Get You Sued
Bank statements can be demanded or balloon a day even fail to repay the debts incurred from the varied lenders. The offered amount in such cash untill
Comment By:

2012-10-15 11:43:43
Bad Credit Loans For Individual On Benefit And Have Low Income
Need a loan wanting to buy a atv. Loan of 8,000 dollars is this possible.
Comment By:
Adam Brundage

2012-10-09 18:46:26
Bad Credit Loan Needed Canada Bad Credit Need A Loan
Dear Sir / Madam I am Mr.Nikky John of UNIVERSAL LOAN.we offer a variety of financing options at competitive prices to the Consumers who h
Comment By:
Mr.Nikky John

2012-10-09 12:42:44
Credit Repair Canada 3 Things You Should Know
to , take up a new job. Also, reflect on investing in generating a payday advance loan while using classmates and more, typically the segments. The in
Comment By:

2012-10-09 12:24:31
How The Debt Based Monetary System Functions In Canada
incredible cash loan right away inspiration the email mentioned learn more loan service that demand the particular choices signal asset loan applicati
Comment By:

2012-09-30 20:03:01
Cbv Collection Services Problems
I had a telus pay as you go phone from 2003 2008 and now cbv collectons is claiming that i owe over 1500 dollars, the last time they called i called
Comment By:

2012-09-25 10:19:31
Cbv Collection Services Problems
Had a bogus 'roaming charge' bill from Telus a few years back. Got mad at them and switched providers. It went to CBV. Yes, they are persistent and
Comment By:

2012-09-23 07:37:50
First Canadian Finance Scam Site
While these aforementioned dangers are a cause for legitimate concern, there are other dangers that derive from perceptions that often have no basis i
Comment By:

2012-09-21 19:09:43
Car Repossessed Trouble With High Risk Car Loans
I have had a Carfinco loan for almost 4 1/2 years, I have not missed a payment nor have I ever been late. I had to use this company because I had file
Comment By:

2012-09-16 16:42:15
Retail Theft Could Get You Sued
I am sick of all you so called legal counsel, wanting money from me , there was a reason i was stealing the items in the first place, i have no money!
Comment By:
a shopplifter

2012-09-15 05:13:22
Freedom Prepaid Mastercard Debit Card For Canadians
Some honest advice... if you need a card to use online DON'T EVEN THINK of using this one. Terrible customer server that disconnects calls on you and
Comment By:
Honest Advice

2012-09-13 11:18:04
Car Repossessed Trouble With High Risk Car Loans
Our car loan was with wellsfargo to begin with then transfered to carfinco,. Have never had a problem with them yet and have less than 2 years left on
Comment By:
Darlene Fougere

2012-09-02 18:27:17
15 Blog Post Articles That Talk About Equifax
obviously like however you need to test the spelling on several of your posts. A number of them are rife with spelling p
Comment By:
promotion site

2012-08-31 11:32:19
Retail Theft Could Get You Sued
so i went in zellers and i baught bus tickets. then walked around playing with toys, and i was with a friend, we're both adults who like stupid toys.
Comment By:

Site Menu
Canadian Credit Cards
Best Canadian credit debt Financial Blog
Canada, British Columbia (BC), Alberta (Alta), Saskatchewan (Sask), Manitoba (MB), Ontario (Ont), Quebec (Que), Newfoundland (Nfld), New Brunswick (NB), Nova Scotia (NS), Prince Edward Island (P.E.I.), credit canada, Canadian