Category Archives: Money

Fitness Pros: New E-mail Scam!

DontGetScammed

Don’t get scammed by the newest rip-off artists.

Apparently these guys won’t quit trying to steal money. First it was general public emails and now they are targeting personal trainers and fitness professionals. The newest scam asks you to take payment for personal training by credit card. However, this is done through email or text because they are hearing impaired or they’re traveling abroad and they can’t meet with you in person. And the training is not for them, it’s for their children (usually early teens). Oh, (AND HERE’S THE SCAM), they will be taking a car service to your location and they have to pay the driver, but the driver only accepts cash payment.  So, the person pay you an extra $1,050 on the credit card and asks you to pay the driver $1,050 in CASH.

You’ve got to be kidding me! How stupid do you think I am? I’m not even getting into the detail of how exactly you get screwed, but you’ll be out $815.00 in cash (in this example) if you do this. The credit card payment will be pulled back and you’ll have a firm grip on an empty sack.

Need details? Ask me, but you don’t really need them. The following is an email exchange I had with one of these pricks. After the last exchange I never heard another peep from this guy. Notice the poor grammar and spelling errors:

Him: “Hi Im Robert i need a personal trainer for my 2 daughters they have been adding much weight lately and i believe with a trainer like you they can achieve a good and healthy body so i like to know if there any in-person training or exercise you can offer for the ladies I’m booking this on there behalf and as a surprise they are 19-22 I’m hearing impaired so we can only do text/email I only have my credit card, do you have a card reader to charge my credit card?”

Me: “I’m happy to help your daugthers. We can meet in person to discuss. I am trained in ASL and have no trouble communicating with hearing impaired.”

Him: “Thank you for your responds, as i have stated before I’m booking this on there behalf and this a surprise to them so lets do the booking and payment they are medically and physically OK no injuries or surgeries they want to lose weight and get in better shape i read about you on social media so let me have your best packages/deals, they will be training together and will be coming to you 3x a week for the session we can start with 15 session in total for both of them. I do understand consultation is important and the paperworks(waivers and liability forms) but as I have stated before this a surprise to the ladies so lets do the booking and the payments and on the first session/introduction the consultation would be done I would only be able to give you the card information manually to charge on your card reader all paperworks will be done by the girls on there first session.”

Me: “I will have forms available for your 2 daughters to sign on thier first session. Price for 15 sessions for 2 people working out together (partner training for one 1 hour workout) is $xxx.xx per session – total for 15 sessions is $xxxx.xx. Price for 15 sessions for 2 people working out individually (individual training 1 hour each, total 2 one hour sessions) is $xx.xx per session per person – total for 15 sessions  of $xxxx.xx
When would you lie the first session?”

Him: I’m OK with the price I will like to make the full payment with my credit card I would have paid the driver already but they don’t accept credit card except cash so I will like you to add an extra $1050 to the total cost the extra $1050 is for the charter bus driver that will be bringing the girls for the training and once the charges clears you will have the $1050 deposited to the charter bus bank account.” 
– I’m thinking: “Are you friggin kidding me? Ok, wise-guy, try this one…” –
Me: “The card needs to be with a bank in the U.S.. I would require bank name from which the credit card is issued, name on card, full postal mailing address for which the credit card is registered, expiration date, and cvv code on back of card. I will run the card once your daughters complete their first session and sign the necessary agreements. The driver will be paid after that time. 

When do you want your first session?”

Silence…

 

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Singapore: Skip College, Please

  Hmm… Where have you read this before? Oh, yes, right here! 

According to an article, from Bloomberg BusinessWeek, there is a movement in Sourh Korea which is persuading their youth to skip college and enter into an apprenticeship program. These young people could then pursue some additional schooling, but they will be learning their vocation while part of the workforce. 

Read more >>

Modern Day Vampies: We’re Indebted And Broke, But There’s A Way Out

And Freedom For All…

 It’s like an old horror movie where the vampire is hiding behind the curtain: we know he’s there. The secondary character in the movie sees him there. The main character misses all the cues that proves he’s there. Yet, with panicked sobbing and tears streaming down her face she limps forward slowly creeping up on his hiding place. We pan in on a close up of our damsel with her knife held high and shaking as she sobs even louder, choking her breathing. We flip between her close up and the villain’s. Her desperation and his evil anticipation reach a frenzied pitch as the violins and drums beat louder and faster whipping us into a heightened sense of panic and… 

Cut scene. We’re brought out of the theater and into today. You’re sitting at your computer in your fuzzy slippers sipping coffee that’s gone a little cold and more bitter as you read this article. 

“Me? What the heck do I have to do with this?” You think. 

I’ll tell you: we’re in a horror movie. Our world is full of vampires, deceit and broken promises for our growing class of the working impoverished. Don’t think you’re part of that class? Ask yourself one question: if I lost my income today, how long before I begin to fall into debt. It doesn’t have to be massive “My house is being auctioned off and I’m going to be on the street with nary the clothes on my back.” No, it could be paying your bills with credit cards, making minimum payments, adding revolving debt or taking out a loan just to bridge the gap. If you would fall into that category within 6 months then you’re broke. 

Ouch! That’s pretty harsh. Well, yeah. But so is reality. I believe our system is broken and we’ve entered into a vicious cycle. Jobs are not getting us where we want to go. College teaches us to get a job instead of starting our own business and impoverishes us in the process. We graduate and take jobs paying far less than they thought they would. And then we start to default on our student loans making taxpayers pay off the debt we left… And we are now also the taxpayers! Colleges and corporations are the vampires. We are the damsels in distress. The top 2% income earners are the supporting characters. 

In my opinion the system needs an overhaul. College is a joke for many people. It doesn’t teach any skills that couldn’t be learned in 6 months on the job with a good mentor. (Now, if you’re studying medicine you’ll need some extra study time because if you’re going to open my chest and perform open heart surgery I’d prefer you to have an education level that’s better than watching a few episodes of greys anatomy). I believe instead of school we should be allowed to take a job in our field of study, even as an unpaid intern, doing the job we want as a career. We should be assigned a coach or we could hire a private business coach. Then, with the help of our coach, we can start our own business. Maybe that coach continues to help us and earns a type of franchise fee, say 5% of the business profits. Terms and further dealings are easy to figure out. 

How would this help? We’d have a bunch of people who run successful businesses and coaches who want them to succeed. There’s a financial interest in both parts. The new business owner gets 95% of the profit (there’s motivation) and the mentor gets 5% (more motivation). This leaves the coach to then help another newcomer and collect an additional 5% fee from another business. The mentor would eventually earn enough residual to create financial independence. By this time the newcomer is no longer a newcomer and has started the process of mentoring new newcomers. And on and on. This could create a system of paying it forward where everyone’s success is tied together and we all live happily ever after. 

It’s a dream. It’s riddled with many challenges. But as a whole who’s to say it’s not an effective alternative to what we’re doing now? 

Fire away on the opinions.