Monday, December 30, 2019

Need Abortion Services?

Introduction

I found this posted on Reddit in r/TwoXChromosomes by u/cartuspier900 and decided to share it here. I have added some content as I saw fit.


Caveat

Please keep in mind this news report from the Guttmacher Institute about the hazards of ending a pregnancy on your own. The link to the study can be found here and a related news release was published specifically on this topic.


The Original Post

If you cannot access abortion services for any reason, AidAccess.org will mail you the abortion pills for a donation amount of your choice.

If you’re in an area where abortion is banned or restricted, you aren’t out of options. Aidaccess is run by physicians and women’s rights advocates who offer abortion services internationally to women who may not otherwise have access. This includes the USA where abortion is heavily restricted in some states and often very expensive.

After a brief questionnaire, an advocate will mail a valid prescription, instructions, pills (plus some extras) and will even walk you through the steps if needed via SKYPE. The organization is based on donations, no minimum amount required.

You can support Aidaccess.org  buying their merchandise or making a transfer.

Bear in mind that there are certainly people who oppose what they are doing, such as the Food and Drug Administration (FDA) and the state of Texas.


Other Useful Links

* The Fake Abortion Clinics Of America (2014) Women seeking abortions are accidentally booking appointments at Crisis Pregnancy Centers, pro-life, government-funded religious centers that do not provide abortions. Using misinformation & misleading practices they try to talk women out of doing it.

* Other website that provides abortion pills globally as well: www.womenonweb.org

* If you are either having a miscarriage or doing an abortion with pills outside of medical care and you need to speak to a doctor, there is a hotline: https://www.mahotline.org
You can text or call this hotline from 10 am to 10pm.

* PlanCPills.org - small but mighty team of veteran women’s health advocates, researchers, and millennial digital strategists works toward a shared vision: of a world in which the ability to end an early pregnancy is in the hands of those who need it most.

* Abortion Funds Org - A network to connect you with organizations that can support your financial and logistical needs as you arrange for your abortion.

* Emergency Contraception Doses- There are nearly two dozen brands of pills that can be used for emergency contraception in the United States today. The table on the website lists all of the brands of oral contraception available in the U.S. (though some of these are used outside of the US and may be available to people outside the US) which you can use to prevent pregnancy in the few days after sex. For information about how to use a specific pill as an emergency contraceptive, click on the brand name in the table.

* Emergency Contraception Worldwide - from the above link, but you can search by brand or country if you are not in the U.S.)

Please feel free to cross-post it to whichever sub you see fit, or social media. The more people it reaches, the more women will know they have a choice to have a safe abortion instead of being forced to give birth. What you do with your body is nobody's business but yours. 

Friday, November 1, 2019

Scam Email Received

reply-to: laarnibibal2@gmail.com
date: Oct 27, 2019, 6:29 PM

subject: $1MILLION DONATION TO YOU

Dear Sir / Madam,

This is a personal email directed to you. I am Laarni Bibal I won a Mega Millions jackpot of $522 Million on June 2019, 2017 and i have voluntarily decided to donate the sum of ONE MILLION Dollar to you as part of my own charity project to improve the lots of 5-10 lucky individuals all over the world plus 15 close friends and family.

I believe that this wonderful opportunity came to me from God and i cannot keep it to myself alone, Your contact was submitted to me by Google Management Team and you received this email because i have short listed you as one of the lucky recipients, If you have received this email then you are one of the lucky winner.

You can verify this by visiting the web pages below and send your response back to me.

www.10news.com/news/local-news/san-diego-woman-claims-half-billion-dollar-mega-millions-ticket

And one more thing, this donation is made out to you as to enable you strengthen your personal issues and mostly to generously help me extend hands of giving to the less privilege, orphans and charity organizations within your locality.

You are required to get back to me on how to receive the donation.

Good-luck,
Laarni Bibal

************************************************************************************

reply-to: laarnibibal@aol.com
date: Oct 27, 2019, 8:53 PM

subject: Re: YOU HAVE BEEN CHOSEN $1MILLION DONATION TO YOU

Dear Sir / Madam,

This is a personal email directed to you. I am Laarni Bibal I won a Mega
Millions jackpot of $522 Million on June 2019, 2017 and i have
voluntarily decided to donate the sum of ONE MILLION Dollar to you as
part of my own charity project to improve the lots of 5-10 lucky
individuals all over the world plus 15 close friends and family.

I believe that this wonderful opportunity came to me from God and i
cannot keep it to myself alone, Your contact was submitted to me by
Google Management Team and you received this email because i have short
listed you as one of the lucky recipients, If you have received this
email then you are one of the lucky winner.

You can verify this by visiting the web pages below and send your
response back to me.

www.10news.com/news/local-news/san-diego-woman-claims-half-billion-dollar-mega-millions-ticket

And one more thing, this donation is made out to you as to enable you
strengthen your personal issues and mostly to generously help me extend
hands of giving to the less privilege, orphans and charity organizations
within your locality.

You are required to get back to me on how to receive the donation.

Good-luck,
Laarni Bibal

Sunday, September 29, 2019

Want to Sell Lularoe, But No Money? No Problem!

In honor of my mother, who died of ovarian cancer in 1992, I set-up a GoFundMe page to benefit ovarian cancer research. You can find the link here.

But, that's not what this post is about.

While setting-up the page, I remembered hearing about a woman who is fundraising on GoFundMe in order to pay for the shipping of her leftover Lularoe stock to Africa. Apparently, she had decided to quit selling Lularoe clothes and was unable to get Lularoe to respond to her requests for them to buyback her remaining stock. I'm sure that her heart is in the right place, though I wonder why she just doesn't take it all to Goodwill, like a lot of other former Lularoe sellers have done.

After browsing her page, I was curious if there were any other Lularoe-related pages on GoFundMe and I did a search, upon which I noticed some women trying to raise money to pay Lularoe's onboarding fee so that they can sell the products themselves. I guess it makes sense, since the onboarding fee to join Lularoe can run into the thousands of dollars and it's easier to risk other people's money instead of your own.

But, I've thought of a better way, even though it will involve spending some of your own cash, though not as much as it would to sign-up directly with Lularoe. I'll occasionally quote from the Ferengi Rules of Acquisition, which I hope appeals to fans of Star Trek.

Have You Got The Gift?

After you're spent between $3000 to $5000 to join Lularoe is an extremely bad time to find-out that you're bad at selling. Selling a product that most people don't normally look for is very hard to do and most people can't do it. It's not because they're bad people or that they're stupid, it's just that they don't have the talent for it.

It's not like trying to sell cars for a living. You don't have to pay money to get a job selling cars and if you can't sell the cars, you lose your job but you're not stuck thousands of dollars in debt.

I learned a somewhat similar lesson years ago. I signed-up to fundraise for various charities to benefit people living with HIV or to raise money for cancer or diabetes research. I learned that I am extremely bad at fundraising. I couldn't get most of my friends and family to make contributions to the charities I was trying to help. It didn't matter for which charity for which I was fundraising, I simply couldn't raise very much.

After several attempts with various charities, I realized my shortcomings and stopped. The current GoFundMe page I created will likely be my final effort in that vein.

The difference between myself and someone who signs-up to work for a multilevel marketing company is that I wasn't left under a pile of debt for my failures. I tried, I failed and I admitted my inability with only my pride a bit damaged. I'd say that I got-off easy.

So, You Want to Be a LulaGirl?

Let's say that you've heard all the negative stories being circulated about people who've tried to sell Lularoe, but you're not dissuaded. You may even have seen the numerous videos posted on YouTube posted by former Lularoe sellers whose lives are in ruins because they couldn't make it work for them.

But, somehow, you think that you can succeed where they failed. Your head is filled with images of success and riches. Damn the torpedos, full speed ahead!

But, there's just that tiny problem of the onboarding fee. You don't have the five grand to sign-up and you have no idea from where you'll get it.

Let me help.

Become a Vulture

Sure, vultures are ugly, but they don't starve to death. You need to become a vulture if you want to find-out if you have what it takes to sell Lularoe without risking $5000 of your money.

There are lots of former Lularoe sellers out there with leftover stock. They might have a few dozen pieces, they might even have hundreds or even thousands of leftover items that they can't sell or even get Lularoe to buyback. Many of these people (usually women) are in a financial hole that will take them a long time, if ever, to climb out. You'll see them trying to sell their leftover stock on eBay, Craigslist, garage sales or at flea markets.

"Never spend more for an acquisition than you have to."
Ferengi Rule of Acquisition #3

Buying Lularoe at flea markets, garage sales or swap meets is your best bet in order to physically examine the pieces before you buy them. Go to flea markets in your area and look for any Lularoe booths. Try to go there early and watch them set-up, watch them as they wait all day for someone - anyone - to come over and look at their stuff and later watch as they take down their booth at the end of the day, probably after having sold nothing. Go back the following week and see how much stock they have. If they have a few dozen pieces, offer to buy them at $4 each. This is less that they initially paid for them, but it's more than anyone else is offering, unless they want to pack it all up at the end of the day, like they did a week ago.

If you find someone with hundreds of items, look through everything and make an offer to take it all for $1000 cash, if they're in sell-able condition.  If they don't agree to sell it all, offer $4 per item. If they agree, pick out 250 items.

Sure, it won't cover the initial cost they incurred and it won't make their likely financial troubles go away, but $1000 might be the difference between eating or not eating that day, paying rent or getting evicted, etc. Desperate people will do desperate things in order to survive.

"Dignity and an empty sack is worth the sack."
Ferengi Rule of Acquisition #109

Sure, this sounds cold-blooded, but you are not the cause of their financial troubles. In all honesty, they went into it with their eyes wide open and fell flat on their faces.

Before you pay for anything, look over each item to check for tears, mold, bad stitching, etc. If there's anything bad or off about a garment, don't buy it. Bring friends with you, preferably part of your team (see below) to help you look through everything. In this case, you'll have an advantage that they didn't in that you actually have a chance to physically examine the items before you pay for them and you can refuse to buy things that you don't think will sell.

Once the purchase has been made, if they have leftover stock, get their contact information. That way, you'll have a ready source of more stock in the future. But, also keep on the lookout for other former Lulagirls selling their stock.

The Golden Rule

Don't be an asshole.

Remember, you're buying your stock from people whose lives are likely in ruins because of their involvement with a multilevel marketing scheme where they were soon in over their heads and eventually drowning in debt. They're probably wrecked financially, psychologically, spiritually and even physically. Marriages have been damaged and people have lost their sense of self-worth because they feel stupid for having gotten involved with Lularoe in the first place.

They don't need to take any shit from you. Speak to them with respect and compassion. If they respond with anger and disrespect, just walk away.

It Takes a Team

Most people who've tried to sell Lularoe have gone into it working alone or with the help of another person. Some people can manage like that, but most cannot.

You should have a team of between three to five people with everyone sharing the initial expense of buying the starting stock. Assuming you have five people in your team, the initial $1000 purchase came from five people risking $200 each, instead of one person risking $5000 to on-board with Lularoe.

Let's assume you have a team of five people. Once you have your stock and have sorted everything, you'll need to get a plan together to sell it and make a profit.

Let's assume that out of the five people, two turnout to be really good at selling, one is middling and two are just plain bad at it. Just because someone is bad at selling doesn't mean that they are useless to the team. Instead of selling product, they can build your presence on social media and keep their eyes open for new stock to replace whatever you sell. You'll also need someone to keep track of the money, because losing control of your finances will doom your effort quickly. You need to keep profits up and costs low.

If one of your team is a bad seller, but is good with numbers, have them keep track of the cash-flow, money coming in versus money going out. A friend with a car or truck could be the individual whose job it will be to look for other former Lularoe sellers who are trying to sell-off their product at flea markets or on Craigslist. If a member of the team travels out-of-town, they can check flea markets in that area for possible new stock.

Don't sell your product at the same prices as regular Lulagirls, sell it for less. Since you didn't pay as much for your stock as they did for theirs, you have lower costs and you can pass the savings on to your customers.

You should also set-up a website with photos of your available stock and every member of the team should post the link on their social media accounts.

Every member of the team should be involved and there should be no slackers. Anyone not pulling their weight should be refunded their initial investment and removed from the team if they won't straighten-up. Sure, everyone has a life of their own to live and Lularoe shouldn't be 100% of it. But, if you want to be successful, you'll have to have a team with everyone working together toward a common goal.

If you know someone who owns a business, ask for their advice on how to run yours.

Things Take Time

Lots of people have tried and failed to sell Lularoe. It's entirely possible that you'll also fail, despite all your hard work. But, success or failure can be determined by how much patience you have in seeing this through. You won't get rich overnight but, your minimal financial investment won't result in overnight failure or financial ruin either.

There will be a learning curve and you will make mistakes. Failure can be an even better teacher than success. Learn from your mistakes and keep moving.

Caveat

I'm not aware of how Lularoe would react to someone who hasn't on-boarded with the company going-around selling their product. Lularoe has already made their money from the initial sale to their former distributor and they're not making any money from you. So, any profits you make selling Lularoe are entirely yours and the only money you're spending is going to former Lularoe distributors, not to the company. So, don't announce yourselves as Lularoe distributors or call yourselves "Lulagirls", just tell people that you're selling clothes, which is true, it's just that a lot of the stuff you're selling is Lularoe.

To make the demarcation even more clear, checkout local thrift stores for vintage clothes that you think you can also sell that aren't from Lularoe. If a member of your team is an aspiring clothes designer, you could also list their product on the site. It's possible that this could possibly go from you selling Lularoe to marketing clothes that your friend has designed, launching her own fashion line. You never know. If Lularoe can be your stepping-stone to the launch of an independent fashion designer's career, feel free to step on them!

The prices you'll need to charge for your items should be lower than your competitors. Since your stock was purchased at a lower price than the Lulagirls, you can pass the saving on to your customers. What you bought for $4, you should charge $8, not including shipping. The least you should charge for an item is $6, not including shipping, for people who buy multiple items from you.

A general rule for markup is:

  • Cost of Purchase multiplied by two for regular purchases; 
  • Cost of Purchase multiplied by 1.5 for larger purchases.

"Good customers are as rare as latinum. Treasure them."
Ferengi Rule of Acquisition #57

If It Doesn't Sell

Eventually, you'll have stock that no one wants to buy, even if you try to sell it at cost or even lower. Don't toss it into the Goodwill donation bin right away. If members of your team are good at sewing, you can try to upcycle the item into something else that is useful or you can sell them on Etsy for someone else to purchase them in bulk in order to upcycle the items themselves.

The Competition

You may attract the attention of Lularoe distributors with whom you are in competition. This is to be expected, since you are not on-board with Lularoe, but are selling the product at prices much less than they are charging. They may send angry and outraged emails to you, complaining about your undercutting their prices.

Try to be diplomatic with them. After all, you haven't invested as much money as they did and they may be struggling. Offer to buy any stock they haven't been able to offload themselves. But, you went into this venture in order to make money for yourself and your team, not to lookout for your competitors' well-being. To paraphrase the 211th Ferengi Rule of Acquisition: 

"Lularoe and its distributors are the rungs on the ladder to your success, don't hesitate to step on them."

The Future

Once you've made back your initial $1000 stock investment, you can look around for new stock to add to your inventory. Buy more from the person/people you bought your original stock from and anyone else you can find who's trying to offload theirs.

You may even want to diversify your inventory by buying clothes from other former MLM distributors like Stella & Dot, Ectcetera, W By Worth, La Senorita Jolie or you could even buy some Paparazzi jewelry. Look for former distributors doing going out of business sales on Craigslist or at flea markets, like you did for Lularoe. Buy your new stock at rock-bottom prices, like you did with your first purchase.

Just stay away from Herbalife and other alternative medicine MLMs because those products have an expiration date and take up too much space.

It All Goes South

"What is it fails?", you may be asking, "What if I and my team work really hard and we still can't make it work for us?"

In that case, you could either keep trying or you can fold-up your tent and stop before you're buried under a pile of clothes you can't sell. Failure after making a small investment isn't nearly as bad as failing after making a large investment. You've only risked a few hundred dollars and your time, while many others have failed after investing thousands of dollars.

You've gotten off rather light, compared to many others. Don't let it make you feel that you're lazy or a bad person. It's just that selling clothes just might not be what you're good at, but you may be good at something else.

Just don't let your pride and fear of failure keep you involved in a failed endeavor. Sometimes, you just got to admit that you've come to the end of the road and it's time to move on.

"The greatest teacher, failure is."
Master Yoda


Duane Browning

Friday, September 6, 2019

Some Jerk Scamming Postmates Couriers

For several months, someone has been scamming Postmates couriers out of their hard-earned money.

How It's Been Done

The scam works like this: the courier accepts an order and travels to the restaurant to fulfill it. Shortly after they arrive, they get a call or text from the "customer" telling them some kind of story of which there are several varieties. In my own experience, the "customer" told me that they placed the order to make sure that I was actually out on the road. Others were told that Postmates Support placed the order in order to make sure the app was functioning properly.

The courier is then thanked for their hard work and told that they will receive a bonus and the amount of the supposed bonus has ranged from $20 to $100, but it doesn't matter because it's a lie anyway. All "Postmates Support" needs to give you this bonus is your log-in information, consisting of your email address and the password you use to log-into the app. Of course, this is bullshit because Postmates can send money to your account without having to ask for this information.

As soon as the scammer has this information, they will log-into your Postmates account and change your payment settings, adding their own credit card to receive your payment and they will promptly take every last dollar you still have in your Postmates account that you hadn't already cashed-out.

Since the app masks the phone numbers of both the customer and the courier, it is impossible to know from where the scammer was actually contacting you and it's most likely that they are in another state. Couriers from around the United States have reported receiving these calls.

Scamming Via Text Message

Most of the time, the courier is contacted via text message and the scammer requests that you text them back with your full name, email address and log-in password. No link is sent.

A lot of Postmates couriers are already wise to the scam, but posts from new victims always seem to arrive on Facebook or Reddit.

If you are contacted by a scammer in this fashion, you have two choices:

  1. Cancel the order immediately. You won't get paid for the job and you should contact Postmates immediately to let them know about it and so that cancelling the order won't count against you with the company.
  2. Fulfill the order. This is a good option, if the delivery point is close enough. Obviously, you won't get a tip out the job, but you will score some free food and it's extremely unlikely that the scammer will actually meet you at the delivery site. The scammers typically place very small orders (e.g. a bottle of water, an order of onion rings, etc) so you're not getting a full-course meal of of it. When I received a scam call like this, I was tempted to add a large Coke to the order, but the taco, small root beer and onion rings were enough for me, even though the scammer was probably never going to file a complaint against me with Postmates for increasing his order without his permission. Just send them a fake email address and password and make the delivery anyway. Once you arrive at the delivery spot, click the button that indicates that there's no one to accept the delivery and wait the required five minutes. The scammer won't cancel the order themselves, because they'll get billed for the job. But, they will get billed if you fulfill the order. Remember that the money they'll lose in the order's fulfillment is money that they've likely stolen from another Postmates courier, so fuck those guys!!!
Whatever decision you make, take screen shots of whatever the scammer sends you. If they call you, tell them where you are is too noisy and you'd prefer that they text you. If they won't text, just proceed however you wish. 

You should especially take screen shots if the scammer texts you and tells you to call/text them at another number. Do not call or text any number the scammer gives you from your own phone number because you don't want them to have it. I have a Talkatone app downloaded to my phone with a burner number that I use to call suspicious numbers. Call them using a burner account to make sure the number they gave you is valid. Post the screenshot on Twitter, Facebook and Reddit with the hashtags #scam and #scammer, so other people can put the number on blast. 


A New Twist

Some tech-savvy scammers finally decided to set-up a website that couriers and even customers could go to and enter their log-in details. The first one of which I am aware was
postmatessupport.online
The site is no longer active, having been repossessed by GoDaddy, the company from whom the scammer purchased the domain.

Not to be deterred from scamming people out of their hard-earned money, the scammers went and purchased another domain from GoDaddy on 2 August 2019, which is
postmatesonline.co
and this site's registration information is readily-available on GoDaddy's website.

Rather than take the chance that the registrant will alter this information after becoming aware that it's out in the public eye, I'll summarize it:
Registrant Name: Shawn Andrew 
Registrant Organization: Transportation 
Registrant Street: 78 idlewild rd 
Registrant City: Edison 
Registrant State/Province: New Jersey 
Registrant Postal Code: 08817 
Registrant Country: US 
Registrant Phone: +1.415-2563-2154 
Registrant Phone Ext: 
Registrant Fax: 
Registrant Fax Ext: 
Registrant Email: shawn.andrew8766@gmail.com 

Please understand that this information may be false and I have no idea what steps GoDaddy takes to ensure that the registrant's information is accurate. The scammer may have entered false information and Shawn Andrews may be completely innocent.

To be perfectly blunt: DO NOT CONTACT "SHAWN ANDREWS" IN PERSON, BY PHONE OR BY EMAIL BECAUSE HE MAY BE 100% INNOCENT OF ANY WRONGDOING.

Steps That Have Been Taken

I sent an abuse report to GoDaddy, with a CC going to Postmates Support (the real one) as well as to agencies of the Federal Government that handle phishing websites.

Here is the official response from GoDaddy that indicates they had received my complaint.
However, after a few days, GoDaddy had taken no action against the website.

Postmates' Reaction to the Scam

In my experience, Postmates has never responded to any notification I have sent them regarding scam sites targeting their couriers.

To be fair, Postmates does have a notice posted on their app in the Newsroom section that warns us to never share our log-in information with anyone and that Postmates will never ask us for that information themselves. So, Postmates has done all they can really be expected to do. It's not their fault that people either didn't read the warning or have ignored it.

People have wondered if the Postmates app had been hacked, but the scammers are placing orders in the app, knowing that it will conceal their actual phone number. The scammer who contacted me was  using a burner phone which he shutoff once he realized that I was wise to what he was trying to do and so that I couldn't call and harass him anymore.

Testing the Scam Site

The scammers will undoubtedly become aware that this gravy train may be coming to an abrupt end sometime soon and are probably already working on the website to replace the one they are currently using.

As you can see, the fake website does look like it could pass for the real one.
Scrolling to the bottom, you find the section where you "verify" your account
and here's what this section looks like after you enter your information.
I took an old email address that I seldom use and tried to see how they would react if I entered the email address and a fake password. I wondered if the scammer would write to me to say that my verification attempt failed. So far, I haven't heard back. It's possible that the scammer doesn't pay much attention to the site, except at times when they are actually out scamming.

Striking Back

Sending an email report to GoDaddy didn't result in the site being taken down and it's impossible to know how many people have actually filed a report after being contacted by the scammer or even after having lost money.

I decided to take a different approach and actually use GoDaddy's Help Center and file a complaint about the phishing attempt. I visited the GoDaddy homepage, found the Help Center and clicked on the Report Abuse link. I selected "Phishing", filled-out the complaint and submitted my report.

I think if everyone who knows about this scam site were to do the same thing, GoDaddy is more likely to take action.

Since the stated email address of the site's registrant is a GMail account and Google links appear at the bottom of the homepage, I sent an Abuse Report to Google and GMail. Honestly, I really don't expect to hear back, one way or the other.

Next, I reported postmatesonline.co as a phishing site. I did this with Google Safe Browsing and I sent an email report to the Cybersecurity and Infrastructure Security Agency (CISA) which can act under the authority given to it by the United States Government.

In an attempt to have the site blocked from view on Android and iPhones, I contacted Google, AndroidMcAfee and Apple Support on Twitter and reported the phishing site. If they can block the site from being viewed on people's smartphones, it will be harder for them to scam Postmates couriers and customers.

You may be wondering if hiring a hacker to take down the site would be a good idea and I don't think that it's worth it. I visited the Hackers' List website and looked at the price quotes that are expected for taking action against websites and the costs can run into hundreds of dollars. Since a scammer can simply create a new website very cheaply and in a very short period of time, it just doesn't make financial sense.

UPDATE: As of 15 September 2019, this website is offline.

The Next Generation

A new site - postmates.pro - has come onto the scene. While the site may have once been active, it no longer seems to be online and you only get the 404 warning now. Here is their registration data from GoDaddy:
Name: postmates.pro 
Registry Domain ID: D503300001162786830-LRMS 
Registrar WHOIS Server: whois.godaddy.com 
Registrar URL: http://www.godaddy.com 
Updated Date: 2019-09-13T17:05:04Z 
Creation Date: 2019-09-13T17:05:03Z 
Registrar Registration Expiration Date: 2020-09-13T17:05:03Z 
Registrar: GoDaddy.com, LLC 
Registrar IANA ID: 146 
Registrar Abuse Contact Email: abuse@godaddy.com 
Registrar Abuse Contact Phone: +1.4806242505 
Registry Registrant ID: CR388272312 
Registrant Name: john smith 
Registrant Street: 1044 noble ave 
Registrant City: Bridgeport 
Registrant State/Province: Connecticut 
Registrant Postal Code: 06608 
Registrant Country: US 
Registrant Phone: +1.9412468042 
Registrant Email: postmatestakemoney1388@gmail.com

I received no response when I sent an email to the registrant or text and they didn't answer when I called their phone number.

If You Have Lost Money to This Scam

You should immediately file a report with the Internet Crime Complaint Center at this link. Make sure you have all information ready, such as screen shots of any texts that the scammer may have sent you.

More To Come?

I will update this blog post if/when I hear back from the companies and agencies to whom I sent reports.


Duane Browning


Tuesday, August 20, 2019

Text-Spammed By FUNDSJOY.COM

A couple of hours before I was supposed to wake-up and go to work today, I received a text message from 872-444-6210 that said:
84480 Installment Money Get up to $ 5000 - @.www.theapprovalmoney.com
A few days later, I received a second text message from a different number, 402-935-8893
86834 Installment Money Get up to $ 5000 - @.www.thedebtconsolidationmoney.com
I've received text spam before, but these were quite unusual because the messages had been sent to nineteen other phone numbers, all at once. Prior to today, I think text-spammers had messaged me and maybe four or five other people at a time.

I immediately noticed that the initial numbers - 84480 and 86834, respectively - were sequential. Even though I had thus far only received two texts, it is possible that they have multiple people sending out these texts and that there may be a set number of texts being sent out toward an eventual final sequence.

My Fellow Recipients

Rather than simply delete the first message and go on with my day, I decided to run a search on all the other numbers in this block:
  • Thirteen of the numbers - including mine - were in the 808 area code;
  • Six of the numbers were in the 317 area code;
  • One of the numbers was in the 617 area code;
  • One number - the sender's - was from the 872 area code, but this appears to have been a burner account and I doubt if they will use this number again right away;
  • Of the twenty recipients, only two numbers could not be tied to an actual person. Running all the numbers through a search engine (yes, I actually took the time to do this) located the number's registered owner's name. The numbers which the search engine could not identify the owners were both from the 317 area code. 
  • Of the numbers for whom I could acquire the owner's name, all eighteen of them have Facebook pages.
  • Aside from all having received the same text message, the identifiable owners seem to have nothing else in-common. There were eleven women and seven men. The recipients have various occupations, ranging from being employed by others to being self-employed. The names weren't even close to each other alphabetically by first or last name. The recipients were apparently texted at random.
  • I have no connection to any of the other recipients on Facebook, not even to the people who live in Hawaii. We don't belong to any of the same Facebook groups and we don't have any friends in-common.
Since none of the other recipients responded to the text message, neither did I. I'm going to assume that they simply deleted the message upon reading it. As a precaution, I blocked the sender's number and the two numbers whose owners I could not identify, since it's possible that they might be used to text-spam me again in the future.

The second batch of recipients were more varied in terms of their area codes. I checked a few of the numbers and they all had Facebook accounts. I only blocked the second sender's number because I realized that they would simply use a different number if they ever texted me again.

My attempt to call the senders back using a burner account of my own got no results other than a recorded message telling me that the TextMail subscriber was unavailable.

The Websites

There seem to be a lot of websites that offer $5000 loans to people, but few seem to be sending me text-spam. Since I had some free time, I decided to see who these people are:

THEAPPROVALMONEY.COM is registered in India and is a very new site, only being created on 8 August 2019. The registrant's name is redacted for privacy (funny for someone going-around spamming people) but their organization is listed as a2zsolutionindia, which is a company in India that sells passports. So, it's possible that an employee of this company has gone out on his own to try to make a quick buck at my expense, but I have no evidence to that effect.

THEDEBTCONSOLIDATIONMONEY.COM is also registered anonymously and its servers are located in India.

This sites actually has no content of their own and serve only as a redirect to the site to which they really want you to go.

Clicking on the links provided in the messages led me to FUNDSJOY.COM and it is an anonymously-registered website under the privacy protection of Domains By Proxy. The site was originally purchased from GoDaddy and its servers are from DigitalOcean, LLC out of Santa Clara, CA.

FUNDSJOY makes a point of telling you that they are not an actual lender, but they only serve to put you in contact with companies from who you can borrow money.

I Have An Address

At the bottom of their homepage, they posted this address
1041 4th Avenue, Suite 302, Oakland, CA 94606
Googling the address for a picture of an actual building revealed a red brick building which looks almost like a school. It seems to be well-kept.

However, a search for neighboring businesses showed that other loan companies were using the exact same address as FUNDSJOY and all their websites are registered anonymously:


  • Cash Green Loans
  • Cash Maxlend
  • Cash Rise Loans
  • Cash Spot Loan
  • Cashspotloan
  • Extra Lend
  • ExtraLend
  • Get Loan Hour
  • GreenLoansCash
  • Ignite Capital Loans
  • LoanSolo, this company apparently had a complaint on-file with the Better Business Bureau and when the BBB sent them a letter about it, the USPS returned the letter;
  • Opploanscash
  • PayDayloanpay
  • Payday Loan Central
  • Payday Loan Dollars
  • SilverCashFinance
  • Speedy Payday Loans was formerly known as Speedy Payday Loan Cash Advance,


  • There could be more, but I'm too tired to keep looking. Let's just say that if a "loan company" is operating out of this address, it's probably the same people.

    My Verdict

    Personally, I wouldn't recommend doing any business with FUNDSJOY.COM and here are my reasons:
    1. Reputable companies don't rely on text-spamming random people to advertise their services;
    2. A reputable wouldn't hide its real website address behind a redirect link;
    3. Reputable financial companies' websites aren't registered anonymously. Here are some examples: Bank of America, JPMorgan Chase, and CitiGroup. If someone wants your personal information, but they don't want to tell you who they really are, you shouldn't trust them;
    4. The sheer number of "loan companies" operating out of this single address should be a gigantic red flag for anyone with more than one brain cell.
    Stay as far away as possible fro FUNDSJOY and every other "company" operating out of this address.

    The Federal Trade Commission

    What people might not know is that sending spam messages is illegal under Federal law. Therefore, I have filed complaints with the FTC against FUNDSJOY.COM and I encourage everyone else who receives text messages from them to do the same.


    Duane Browning

    Thursday, August 8, 2019

    RIP Medical Debt Campaigns

    I have decided to post this list of all active campaigns launched through RIP Medical Debt for the purchase and forgiveness of unpayable medical debt in the United States. I am including states and territories, along with the links directly to the campaign page.

    Who is RIP Medical Debt? 


    RIP Medical Debt (RIP) is a national 501c3 nonprofit organization with a mission to empower donors to forgive the billions of dollars in oppressive medical debt at pennies on the dollar. RIP locates, buys, and abolishes destructive medical debt for individuals, veterans, and families. Since inception in 2014, RIP has relieved more than $600 million in medical debt for individuals across the U.S., impacting over 250,000 individuals.

    RIP, working with third-party credit data providers, searches through large debt portfolios to locate accounts meeting their criteria for relief. RIP then negotiates to buy millions of dollars of this debt at a steep discount, usually a penny or less on the dollar.

    Facts about Medical Debt
    • 42.9 million Americans have unpaid medical bills, which creates an adverse impact on debtor patients, physicians, and hospitals (Consumer Financial Protection Bureau)
    • Six in 10 of both insured and uninsured people say they have difficulty in paying other bills as a result of medical debt. Over a third were unable to pay for food, heat or housing because of medical bills. (Kaiser Family Foundation & New York Times)
    • Nearly two-thirds of U.S. adults under age 65, or 116 million people, had medical bill problems or debt, went without needed care because of cost, were uninsured for a time or were underinsured — insured but had high out-of-pocket medical expenses or deductibles relative to income. (Kaiser Family Foundation & New York Times)
    • Medical debt contributes to more than 60 percent of the bankruptcies in the U.S. Until satisfied, debt lingers on a person’s credit report to negatively impact their ability to buy a home, get a loan or even gain employment. (The American Journal of Medicine)
    Whose unpayable medical bills does RIP forgive?
    • Individuals who make less than 2 times the federal poverty level
    • Individuals with financial hardship - 5% or more of their annual income goes to out-of-pocket medical expenses
    • Individuals who are insolvent (debts greater to their assets)
    Why Donate to RIP Medical Debt?
    • Your dollar goes a long way! On average, $1 abolishes $100 of debt.
    • 100 percent of your donation goes towards abolishing medical debt.
    • RIP Medical Debt is a 501c3 nonprofit organization, and our EIN number is 47-1442997. Donations are tax-deductible as allowed by law.
    • We have specific programs for veterans and active service members of the US military.
    • There are no tax consequences for those whose medical debts are forgiven. The forgiveness is a gift from a detached and disinterested third party (RIP) is an act of generosity, so forgiveness of the debt does not count as being income to the gift recipient.
    • RIP Medical Debt's Federal Tax ID: 47-1442997
    Disclaimer: In the event that a campaign is unable to meet RIP Medical Debt's local campaign contribution goal, all funds will be attributed to our national funds for general or veteran medical debt.



    National Campaign

    Appalachia (encompasses several states)

    National Campaigns to Abolish Medical Debt for Veterans and Active Duty Military
    Cure Vet Debt
    National Veterans Medical Debt Relief Campaign
    RIP Ride 4 Vets

    Alabama
    no active campaigns

    Alaska
    no active campaigns

    American Samoa
    no active campaigns

    California
    Bay Area
    Los Angeles

    Connecticut
    no active campaigns

    Delaware
    no active campaigns

    Florida
    Statewide Campaign
    Lee County
    Cape Coral (also benefits Kankaee County, IL)

    Guam
    no active campaigns

    Hawaii
    Statewide Campaign (also benefits Texas and Florida)

    Idaho
    no active campaigns

    Illinois
    Statewide Campaign
    Kankaee County (also benefits Cape Coral, FL)

    Iowa
    no active campaigns

    Kansas
    no active campaigns

    Kentucky
    no active campaigns

    Maine
    no active campaigns

    Maryland
    no active campaigns

    Massachusetts
    Andover

    Minnesota
    no active campaigns

    Mississippi
    no active campaigns

    Missouri
    no active campaigns

    Montana
    no active campaigns

    New Hampshire
    no active campaigns

    New Jersey
    Egg Harbor Township

    New Mexico
    New York
    Syracuse

    North Carolina
    Statewide Campaign (also benefits South Carolina)
    Mecklenburg & Cabarrus Counties

    North Dakota
    no active campaigns

    Northern Mariana Islands
    no active campaigns

    Ohio
    no active campaigns

    Oklahoma
    Oklahoma City

    Oregon
    no active campaigns

    Puerto Rico
    no active campaigns

    Rhode Island
    no active campaigns

    South Carolina
    Statewide Campaign (also benefits North Carolina)

    South Dakota
    no active campaigns

    Tennessee
    no active campaigns

    U.S. Virgin Islands
    no active campaigns

    Vermont
    no active campaigns

    Virginia
    no active campaigns

    Washington
    no active campaigns

    Washington, D.C.
    no active campaigns

    West Virginia
    no active campaigns

    Wisconsin
    no active campaigns

    Wyoming
    no active campaigns