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Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

My mom is the opposite of the gullible old person stereotype, but to an annoying degree. Because she got hustled several times when she was younger, she is perpetually paranoid she is getting scammed. Last year I was on vacation in Mexico I accidentally butt dialed her and she was extremely about getting charged exorbitant international rates for receiving a call for two minutes. Similarly, when text messages first started to get popular she didn't have unlimited text messages and was convinced that receiving text messages would gouge her on her phone bill. She's like this with a lot of stuff.

Strangely, though at the same time she's very frugal and good at getting ultra cheap vacations via credit card perks and promotions. I would figure she'd make it a point to understand things that aren't a scam or charge or whatever but I guess she's just gotten to the point where she errs on the side of caution for many things.

Any sales pitch that is particularly long winded makes her get angry, impatient and paranoid. Drives my wife nuts because while they're both similar in being able to sniff out a scam my wife stays calm and polite while my mom tends to get really whiny and obnoxious.

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Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

ToxicSlurpee posted:

As a general rule if the police are coming to arrest you nobody will call you ahead of time. If somebody is calling you that's actually from the government it's something they want to clear up without getting the legal system involved. Why people fall for that is a mystery to me.

Because it's not as obvious as you might think. People that were never arrested or have zero experience in law aren't necessarily going to draw these conclusions.

Theres a subtle fear among many people that they might accidentally break some law- scared their computer downloaded child porn by mistake, screwed up on their taxes, something. They're going to be so overwhelmed and scared they are going to just want the problem to go away. The Internet opens up a lot more potential for scams.

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

If you see people panhandling with their kids, just call CPS.

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

Is being Diamond Certified equally scammy?

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

I gotta wonder if the only people that fall for the "CHILD PORN DETECTED! Pay $1,000 in Apple Gift Cards or be sentence to one billion years jail time in pound-me-in-the-rear end prison." actually have child pornography on their computer.

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

I gotta wonder what the scams are gonna be like when Millennials are retirement age.

Probably stuff like "Boomer prosperity was in fact buried in the form of Gold boullion in land plots in XYZ location! Buy a plot and recover what your parents unjustly stole from you all these years!"

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

"I wouldn't buy a vacuum off him, but the door to door salesmen selling euthanasia services seeks legit"
*Gets tricked into selling euthanasia services door to door as a MLM scam *

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

Also I'm gonna need smokes.

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

BigDave posted:

GOOD smokes, not that Maverick crap. Newports or Camels.

...know what, just gimme your wallet.

You don't look like the wallet inspector that came by yesterday though

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

I also feel like any decent job isn't going to be vague about the job you are applying for or what the job itself entails. When I see openings in my job for other positions there is a bullet point rundown of everything you will be doing, and pretty specific salary numbers.

If there's any good to be had to being sucked into a MLM job application thing, it is that you will learn from experience to ask really specific questions to prospective employers to make sure the job you are applying for isn't a scam.

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

RenegadeStyle1 posted:

Yeah if your smart enough to know you shouldn't go to a strange interview where they refuse to tell you the job your doing then your probably smart enough to not fall for the pitch.

No denying that however desperation can lead people to making questionable choices. When there is a serious shortage of solid full time jobs in an area even practical people can throw critical thinking out the window. Most of the people that got sucked into MLM 's were the most economically vulnerable.

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

RenegadeStyle1 posted:

Absolutely. I agree and also I don't think just because someone was dumb/gullible and fell for it that it makes it right. It should be illegal and I have no idea how it doesn't count as fraud or an issue of workers rights (I know lol america and all that but still).

This also makes me wonder if MLMs are like gold in that they get really popular during times of financial insecurity. I mean if most people were in a position to work a stable full time job with benefits then why would they bother with something like Amway?

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

While there are always going to be people to bite on the MLM bait, I can't help but think that recessions are good for them.

I guess the only real way to make money in an MLM is to be the staff that actually do the overpriced seminars or produce the overpriced materials. They have to come from somewhere, right?

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

I could definitely see big markets for Herbalife in Latino and Chinese markets; both cultures are big into herbal remedies, and tend to have close extended family ties which makes it easier to find more suckers contacts to sell pills to.

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

mostlygray posted:

I can't remember if I posted this before but I used to run the following loan scheme in 7th grade. If I already mentioned it, my apologies.

This is back around '90. My friend and I would offer small loans. $5 bucks at the absolute most, usually $1-2. They were easy loans. They sound harmless.

The loan had no interest as long as it was paid by the following Wednesday. If you took the loan on a Monday, it wasn't due until Wed next week. If you took the loan on a Friday, it was due the coming Wed. Those were the cut-offs.

If you couldn't pay when the loan was due, no big deal. Just pay double the next Wed. If you couldn't pay then, it would double a second time. There was no 3rd forbearance.

I only realized a few years ago that we were loan sharking. It didn't take much roughing up to get payment and negotiations did occur. Work in trade, etc.

We were 12 years old. WTF! We had no training, but we owned the game at the bus stop. We split the proceeds 50/50. It didn't matter if I made the loan or my buddy made the loan. We always split it. It was a good relationship.

Moral: Don't trust a kid. They can run a game better than you can. In retrospect, we could have been on "The Sopranos."

While not this usurous, I learned that my mother-in-law basically dealt out loans to family members and used the interest from it as supplemental income. Basically her extended family were immigrants and often needed cash to get established. They couldn't go through normally channels so the bank of Tia Lupe would hook them up. In this case though it wasn't really a scam; she couldn't realistically charge them interest that they had no hope of paying, and at the same time to welch on her loan meant they were hosed because paisano good luck trying to get money for a security deposit when every neighbor, relative, and co worker has heard through the grapevine how you swindled your poor Tia.

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

My mom is super into credit card churning and at any given time is juggling 5 different cards. She has excel spreadsheets to keep track of all this. It sounds like a lot of work, but the upside appears that she pays absolutely zero interest, membership fees etc and gets TONS of freebies; most of the vacations she goes on cost her almost nothing in terms of airfare and hotel accommodations. So it definitely seems worth it if you're willing to invest the time.

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

Bet that escalade was a lease, too.

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Panfilo
Aug 27, 2011

EXISTENCE IS PAIN

HerStuddMuffin posted:

Theft by theft you say? Why I never

Theres some weird context to this type of charge. Like if a guy in an auto shop drives your car to run some errands when you think it's being fixed, it's considered theft but the thief obviously intends to return the car and pretend they didn't drive it.

I was on Jury duty where a guy got charged something like that, because he 'borrowed' a car from his brother's repair shop,drove to a pharmacy with it, robbed the pharmacy for pills, then intended to return the car at the shop once he was done.

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