Levels of Cyber Criminals

The  Cyber Criminals have come to the lower level to you and me.I would like to talk about Cellphones .We bank, exchange money,make business,make deals and make friends.I shall take  each  concept how the Cyber Criminals running over your accounts.

1 Banking

Some bank officials know that we don't take serious or ignore the  bank codes.The criminals have  the information about Debt Codes.A scenario is created that there is a Debt which you owed,like Service Fee was poorly deducted.

In order to play down 0.5 cents per transaction might be "stolen" under the code of  Service Fee

or Bank Fees.We usually we don't enquire about 

such amounts.We have always  have the"understanding" of such  bank fees.

2.Exchanging Money 

The third  party may have the access or Bank officials.Since there are People  who have a high

knowledge of Bank IT,he/she might have an access with Super Computer especially when we pay with bank cards.

You will find the bank charges which are not much.Although no one can steal your money but

sometimes you will be "overcharged" depending on the amount you have paid for.

Sometimes the money is "delayed" or "bounce" so that  you can be more charged.

How do you stop this menace?

Find out whether the money went through even if the shop has been confirmed.

Secondly,find out when did   transfered or "left" your bank.

Note the following:

2.1 Transaction time.

2.2 How long is the money transfered ( Minutes,

Seconds or even Hours)

2.3 Was the money automatically  or needed human intervention and who was the processor 

When you the mentioned steps your money will work work for you 

3.When making Business.

There are three types of Businesses which can wipe out your money 

3.1 The Bank itself 

3.2 The Consultants

3.3.Make Friends (The Internet)

3.1 The Bank itself

There are deals which are open to you and there are hidden  fees Sometimes you are not told about the hidden fees especially the charges

when withdrawing  Fixed Deposits or Contractual Deposits  particularly when you withdraw earlier.

Another example:

Other Banks don't tell you that  8% per annum is divided into 12 and its a simple interest.You are not told your money depends on the financial markets and possibly might be lower.You are not

told about the taxes when you are applying for withdrawal.

4.The Consultant

It can be any Financial Consultant.

There are people who are well trained in financial 

matters.If they like,they will tell you the truth.

If they  see that you are having the limited knowledge or information,you will be in their mercy.The consultant wants to close the deal.

Before you can  take any offer follow these steps:

4.1 Ask  for the Contract 

4.2 Let the contract be read by the consultant.

4.3 As the implication of each contract.

4.4 Give yourself time to digest the contract

4.5 Get  the other opinions.

5.Make Friends (The Internet)

Some cyber Criminals know you.

Some cyber Criminals know you and you don't know you.

Some are taking chance on you 

Some come to you physically and you are hooked by their smile.

These people  are the friends of your money.

When you cut your money the smile fades away.