Providing investigative services tailored to the business community introduced me to small business owners. Many of them, as well as myself, with questions about the logistical and legal issues faced by startups. This blog as a way to address the questions. Although I’ve moved on from the investigative field there is still a desire to offer common sense solutions to small business owners. Sometimes we cover non business issues. Hope you enjoy reading. Please feel free to share. Subscribe below.
Tuesday, November 20, 2012
Friday, November 16, 2012
Just when you think it is safe to open your email…
Last week I received an email from my good friend in
Nigeria. We hadn’t spoken in quite sometime and she had written a lengthy email
catching up. Unfortunately, she has a family member in dire financial need.
What a technologically advanced world we live in that with just a simple cash
deposit in the US, I could help someone an ocean away.
You’ll be relieved to know that I got a good laugh from the
email and was not fleeced. My money is safe and secure in a can, buried in the
backyard. What was so funny is that these Nigerian money schemes are still
making the rounds. And that this
may have been the first time I was pinged. I can’t remember having ever
received a request through my personal email. Sure I received the many “great
deals” through business emails because the guy in the fourth cubicle from the
bathroom opened an infected file and the whole company got blasted, but never
such a personal plea for my help.
The Nigerian letter (email) scheme is known as “advance fee
fraud”. The victim is persuaded to send large amounts of money to the con
artist in hopes of receiving a gain on their investment. The Nigerian variant
evolved from the “Spanish Prisoner” originating in the 1800s. In the original,
the victim is contacted with the hopes that their monetary contributions will
help with the release of a wealthy person who has been imprisoned in Spain.
Once the prisoner gains freedom, their assistance will be rewarded. The scheme
gained association with Nigeria in the 1980s when the Nigerian economy declined
and Nigerian students began running the scheme by sending out letters to other
countries. The scheme was proliferated in the 1990s with the advent of email
and the targeting of company email systems. The scheme surfaces from time to time
through different mediums and with variants on the tale. However, the
foundation of the scheme is the same.
Sometimes the tried and true systems work best. That is why
we see so many of the schemes developed in the early 1900s still in use today.
The scheme’s basic hook that draws in the victim still work today when they are
adapted to modern times. Most notably on people’s minds is the Bernie Madoff
case in which Madoff executed a Ponzi scheme. The Ponzi scheme is associated
with Charles Ponzi who first ran his scam in the early 1900s.
As soon as there is disaster or human suffering, either on
the local, national, or global stage, the con artists open shop. Nothing turns
off our radar like pain and suffering. We are not promised great returns on our
investments, just the satisfaction of helping our fellow man.
We see panhandlers at intersections in our daily travels. Not
meaning to make you skeptical about panhandlers, but, while working in
Baltimore, I once saw a man with crutches working the cars at a traffic signal.
Another man approached, exchanged greetings and took the crutches from the
man. The first man walked off
appearing quite healthy. The second man assumed a posture of pain on the
crutches and went to work. Shift change I thought. How enterprising.
Many people genuinely do need our help. Just use your basic,
ingrained fraud alerts. Common sense and if it’s too good to be true, well…you
know the rest.
Wednesday, October 31, 2012
This will only take a second...
Walking into a fast food place I saw a guy park his car in a
space near the door, exit quickly, and hurriedly trot inside. As I passed his
car I noticed it was left running. Once inside, I told the guy that he had left
his car running. He curtly answered that he knew and went about ordering food,
quickly dismissing my attempt to be neighborly. My next thought, I should get
the name of his insurance agent because he has got to have a better policy than
I do.
Dry cleaners, convenience stores, coffee places, grocery
stores, anywhere someone thinks they are just going to run in and out, you see
cars left unlocked and running. I’ve even seen people leave their cars running
at curbside with children strapped into safety seats. It just boggles my mind.
What are people thinking?
A professional can steal a locked car in under a minute. An
amateur can steal a locked car in less than five minutes. A child, with no auto
theft experience, can steal an unlocked, running car in five seconds. How long
does it take to get a nonfat no whip decaf mocha latte?
Most popular stolen cars in Maryland according to the NICB:
- Dodge Caravan 2000
- Honda Accord 1996
- Honda Civic 2000
- Ford Pickup (Full size) 2006
- Toyota Camry 2011
- Toyota Corolla 2010
- Ford Crown Victoria 1999
- Nissan Maxima 1996
- Plymouth Voyager 1999
- Nissan Altima 2002
Wednesday, October 24, 2012
Who would you hire?
Who would you most likely hire, someone who has
a criminal past or an applicant that has been unemployed for a lengthy
duration? Recent polls of hiring managers have shown that being unemployed for
two or more years is a less attractive quality than someone with criminal
history. Hiring managers stating that it is easier to place someone with a
non-felony criminal record. Being out of the workforce for just two years
brings into consideration your age and skills that may be outdated or out of
touch with evolving technology.
Job applicants leaving correctional facilities
often have recent improvements to their education and have learned skills or
trades in preparation for returning to the workforce. Six states, Arizona,
California, Illinois, Nevada, New Jersey, and New York, offer the opportunity
to receive a certificate of rehabilitation.
Finding work is not as easy as in the past when
you could go door to door and speak directly to decision makers. The number of
companies utilizing online employment applications grows everyday. Many
businesses immediately direct job seekers to their online application. Getting your
resume into the hands of the right person is more difficult than ever. Once in
those hands you have to impress. A 2012 study conducted by The Ladders job
matching service revealed that recruiters spend an average of six seconds
reviewing an individual resume. They focus on name, previous position start and
end dates, current position start and end dates, current title and company,
previous title and company, education.
Even though you may be enthusiastically
searching, being out of work may put you into an undesirable category.
Monday, October 15, 2012
Customer service
Just recently I went into a small store. The floor space was
setup in a rectangle with a long glass counter on one side. The business’s main
products were displayed in the glass counter. I could see one employee moving
about the floor and four behind the counter. One was working with another customer. The rest were talking
to each other. I stood at the counter not really looking at the products but
politely waiting to be helped. Across from me, two employees were talking and
eventually moved their conversation farther down the counter. After several
minutes of not being addressed I considered leaving but decided to time how
long it would take to be approached. From the moment I started timing, until I
was addressed, was four minutes. Which doesn’t sound long, but it is when you
are waiting to be helped. This is not the first time I’ve experienced this sort
of customer indifference. It is more shocking when you are in a smaller store
when the employees outnumber the customers.
How about a bigger store where the employees have desks or
stations in plain view of the customers? These stores give the appearance of
their attention to customer service but the employees may not get it. You know
the kind, the customer service counters with no walls and lots of brightly color
shirted employees walking around looking like they are busy. As the wait
continues, you start to notice that there is one employee servicing the line,
one making copies, two speaking to each other, one on the telephone, and
another coming in and out of several doors like they are in some sort of maze.
The whole time you’re standing there wondering if you are in fact invisible.
Nothing looks worse to customers and adds to their displeasure than seeing
unmanned stations with what appears to be plenty of help ignoring the
situation. If the employees are in view of the customer they need to be
attentive to the customers.
Tuesday, October 9, 2012
Should sex offenders be allowed to pass out candy?
Sex offenders in Simi Valley, Ca have filed a Federal lawsuit alleging that a city ordinance, requiring offenders to post "no candy" signs on their front doors Halloween night, violates their First and Fourteenth Amendment rights. MD Dept of Parole and Probation, who manages the Sex Offender Registry, has had a similar policy since 2005.
Thursday, October 4, 2012
New Maryland Employment laws
There are two Maryland laws that became effective on Monday, October 1 and directly affect employers.
Social media-Employers may not require employees or applicants to disclose a user name, password or other means of accessing a private internet site or electronic account.
Jury duty-An employer may not require an employee who is summoned for jury duty and who serves four hours or longer (including travel time) to work a shift that begins after 5 PM on the day of jury duty or before 3 AM the following day.
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