Child Safety On The Internet

All parents worry about their children. We worry about if we can trust them and who they are spending their time with. Ten years ago this was only a problem for teenagers and young adults, now, with the ever changing face of communication this can be a worry for parents of children as young as 4 or 5.

Research shows that by 2 years old more than 90% of American children have an online history and, at 5, more than 50% regularly interact with a computer or tablet device. It is more important than ever to consider the relationship between the internet and our children. The internet can influence and change childhood, emotional growth, social development, educational prospects and we need to understand the risks.

The uptake of social networking in young children has increased rapidly over recent years and, with the development of sites such as Club Penguin and Webkinz, social networking is now being directly targeted at younger children. The worry is often of the dangers that can come with internet use and there is a tendency to want to stop children using the internet all together.

With adequate privacy settings, and an understanding of what your children are using the internet for, we can regulate the use of the internet. By taking an interest in what they are doing, just as you would for sport or homework, they will take it more seriously and try to meet your internet expectations. Teach them from an early age about privacy and their identity; that they need to protect their identity and not give out personal information, and also make sure they understand passwords and who to interact with online.

Research shows that there are risks but that we need to understand their severity. As parents we worry about the internet because of the unknowns and because, often, neither children or parents fully understand all of the risks out there in the online world. The basic fact is that the risks that are in the offline world exist in an intensified and often more accessible form online.  Research shows that it is everyday factors making children more vulnerable and that those children with offline vulnerabilities – such as no support from parents, poor relations with friends, or those who are simply lonely  – are extending this to an online vulnerability. It is the job then of healthcare professionals, social workers, teachers and parents to see this problem offline and extend their concerns to children’s online behaviour.

Considering that children as young as 5 or 6 are as familiar with the internet and computers as they are with toy cars or dolls it is now necessary to regulate the use of the internet in a reasonable way for your children. Some advice is to keep the computer in a family room and not allow computers in a bedroom. If the computer is kept in a family room then time spent on the computer will be seen as a family activity and you can keep an eye on it.

Social media etiquette and appropriate behaviour is now a part of something we need to teach our children. Teaching your children the correct etiquette for social networking, the appropriate behaviour when posting information about themselves, and what they are uploading is important. Research is showing that young people are regretting what they have posted about themselves by high school and a rise in cyberbulling relates to the information that is being posted about them.

Media and technology impact on children’s social, emotional, and cognitive development is only beginning to be studied. There is some indication that our over exposure to the internet might be linked to a limited attention span in children, a lower comprehension, poor focus, and lack of basic literacy skills. This is affecting children’s work habits, thought processes and how they feel so, as parents, we need to be taking better steps to improve our families internet safety.

Jane writes about internet safety for kids based on raising awareness to resources such as the Vodafone Parents’ Guide.

THE IRAQI DINAR – The Road to Riches or The Road to Devastation?

The answer to the question over the last four years depended on who you asked. Of course those who were promoting the Iraqi Dinar were touting it as the means to untold riches.  While there were those of us who were warning people the Iraqi Dinar was not the Utopia they were led to believe it would be to cure their financial woes.  So for four years this debate has been ongoing. Before I answer what our beliefs are about the Iraqi Dinar being the road to riches or the road to devastation, a little background is necessary.

I want to provide you, the reader, with a little background about Eagle’s foray into the Iraqi Dinar debate.  When Eagle was launched online back in June of 2008, one of the first several inquiries we received was what we thought about the Iraqi Dinar, and what would we recommend regarding the purchase of the Iraqi Dinar as an investment.

It October of 2008 I wrote a commentary about our position on the Iraqi Dinar. In this commentary we pointed out that we did not see the Iraqi Dinar revaluating (the actual term for the Iraqi Dinar is redenomination) anytime soon, and we thought it would be at least 4-5 years in the future.  Needless to say that did not sit well with all the people buying the “Hype” being put out by the so-called Iraqi Dinar Gurus as well as the Dinar Gurus.  They were telling people they had to buy now as the Dinar would revalue at any moment in time.  They had their “inside” information that this was going to happen and soon.

Even though people wanted us to change our stance on our commentary, we told everyone we would not change our position.  If we were wrong in our assessment we would gladly admit it, but we did not see the Dinar revaluation happening in the near future.  We also told people that we did not see the Iraqi Dinar being a scam, as it is real currency, but as a sham. Our position was that the only ones who were going to make any money off the Iraqi Dinar were the so-called Iraqi Dinar Gurus selling the Iraqi Dinar. Needless to say we did not win any friends from the Iraqi Dinar Gurus at the time.

Then in 2010 we were again asked about the Iraqi Dinar, and if our position had changed since 2008.  So again we took another look at the Iraqi Dinar and advised people our position had not changed from our previous comments, but in fact we felt that it would be at least 2014-2016 before we thought any revaluation/redenomination would take place.  A position that again found us at odds with the Iraqi Dinar Gurus and the people who had bought into this being their road to riches.

Again we were met with derision and people claiming we didn’t know what we were talking about and not to believe us.  Now what was truly interesting is that from 2008 through 2010, all the Iraqi Dinar Gurus had been predicting the revaluation/redenomination at any time yet it had not happened.  But of course their pitch was to buy even more Iraqi Dinars because it would make anyone who did multi-millionaires.  When we pointed out that they had been 100% wrong, while we had been 100% right during these two years, it fell on deaf ears.

Now what we have found fascinating is that going on four years now, all the Iraqi Dinar Gurus have been predicting the revaluation/redenomination was going to take place at any moment.  They all claimed to have inside information that assured all the people who bought the dinar from them that this was true.  Yet absolutely none of their “inside information” was correct.  In other words, the Iraqi Dinar did not revaluate/redenominate from 2008-2010.

Now let’s fast forward to this year.  In the spring of 2012, we began monitoring the Iraqi Dinar Gurus and their claims.  What was truly amazing to us they were saying the exact same things they had been saying since 2008 and all claimed to have this “inside information” that the Iraqi Dinar was soon going to come through for everyone.  When asked what our thoughts were on the Dinar, we responded by asking how many times does a guru have to be wrong before they are no longer a guru?  Well, you would have thought we had attacked the Pope with the response we got.  Yet the bottom line is we have been right 100% of the time and they continue to be wrong 100% of the time.  In fact, they are still claiming this will happen any day now.

But now things have started to crumble for some of the Iraqi Dinar Gurus.  An 83-count indictment filed in U.S. District Court in Toledo naming Mr. Huebner, who is chairman of BH Group, which specialized in the sale of Iraqi currency; Charles Emmenecker, 65, and Michael Teadt, 66, was unsealed after the three men were arrested. All three men pleaded not guilty during their arraignments in U.S. District Court in Toledo.

Also indicted was Rudolph Coenen, 47, of Jacksonville, the owner of Bayshore Capital Investments LLC. He is charged with conspiracy to commit wire fraud, wire fraud, and money laundering.

According to the indictment, the men fraudulently marketed and sold dinars, the currency of Iraq, causing investors of the BH Group to lose nearly $23.8 million. They also are accused of selling more than $700,000 in nonexistent hedge-fund assets.

Bradford L. Huebner, 65, of 2936 Pembroke Rd., Ottawa Hills, is charged with conspiracy to commit wire fraud, wire fraud, and multiple counts of money laundering.

The sale of Iraqi dinar is not illegal. But the indictment said that beginning in August, 2010, the defendants falsely told investors and promoted through the Internet, email, and weekly telephone conferences that buying the dinar involved minimal risks because the currency was protected and regulated by the “Overseas Investment Protection Act and a presidential executive order, guaranteeing 90 percent reimbursement,” among other misrepresentations.

As reported by:  by Erica Blake and Nolan Rosenkrans, TOLEDO BLADE STAFF WRITERS, following on the heels of these indictments, a civil lawsuit was filed in Lucas County Common Pleas Court by two Texas investors against four men and their companies accused of a criminal scam involving the sale of Iraqi currency.

In the civil case, John R. Merritt and Arley G. Lee say they each purchased several thousand dollars of Iraqi dinar based on the representations of the defendants and that the defendants’ actions were in violation of the U.S. securities laws. Toledo attorney Thomas Pigott, who filed the complaint, said that he plans to ask that the lawsuit be made into a class action to cover all the investors who bought into the alleged scheme.

“Our case is different than the federal criminal allegations in that we are alleging violations of the federal securities act,” Mr. Pigott said.

In addition to the four defendants, the lawsuit specifically names Energy Savers Advisors LLC, which does business as the BH Group; Bayshore Capital Investments LLC of Jacksonville; Treasury Vault LLC of Draper, Utah; and Dinar Trade Inc., of Las Vegas.

Mr. Pigott has asked that anyone involved with any of these defendants involving the Iraqi Dinar contact him about becoming parties to the potential class action lawsuit.

So the question is, as I posited it in my title of this piece: Will the Iraqi Dinar be the road to riches or will it be the road to disappointment?

From our perspective, we believe that everyone who has fallen into the pitfall of believing the Iraqi Dinar will make all of them millionaires is not going to happen.  You see no-one knows what the true value to the dollar the Iraqi Dinar will be when it does finally redenominate/revalue.  We see this as another means that some people have taken advantage of the masses for their own financial gain, while leaving so many people devastated when the Dinar does not become the financial windfall they have been promising.  We have never believed the Iraqi Dinar was going to make millionaires out of anyone except the ones doing the selling.

We have been telling people all they have to do is go to their local bank and ask them about buying the Iraqi Dinar.  We also pointed out that the banks are not holing the amounts of the Iraqi Dinar that the Iraqi Dinar Gurus have been claiming all along. All you really had to do was read the banks 10K reports, or their annual reports. Since banks are publicly traded institutions, they have to disclose all their holdings.  The Iraqi Dinar is not one of them, no matter what bank’s annual report or 10K report you read.

We do feel sorry for all the people who bought into this hype and know there are some people who have been counting on the Dinar to get them out of debt.  Others have put themselves even deeper into debt counting on the Dinar to save them from financial ruin.  We see this as being the road to devastation, not disappointment.

Now let me clear, we have no crystal ball to know when the Dinar will actually redenominate/revaluate, nor what the rate will be.  It could happen at any time, but based on the conditions in Iraq we just do not see this happening anytime soon.  Our detailed analysis of the Iraqi Dinar can be read here:  http://www.eagleresearchassociates.org/IraqiDinar.php.

What we do know is that when the Dinar finally does its thing, there are going to be a lot of strained relationships, dissolved relationships, financial devastation to so many. We know there are people who have been ruined financially due to the false promise the Dinar was going to revaluate any day now over the last four years.

We truly hope that when the Dinar does redenominate/revaluate, that people who have invested in the Dinar will at least get back most of what they invested; or possibly make a little profit.  We do not see this making anyone who bought the Dinar becoming millionaires as hyped and promised by those selling the Iraqi Dinar.

Lynn Edgington Founder/President of Eagle Research Associates, Inc., Author, Radio and Television Subject Matter Expert on Ponzi’s/Scams, guest columnist, and blogger.

I’ve been flooded by spam. What can I do?

Everyone suffers from spam. Most of the time it’s just a few annoying emails in your inbox that you have to spend a few minutes dealing with each day. Given the fast pace of modern life, this can be very frustrating. And when you tot up all these minutes over the course of a year or two, you begin to realise that these are valuable hours of your life that you are never going to get back.

The trickle becomes a torrent

However, just a few minutes each day is something that you can live with, even if you don’t necessarily condone or enjoy doing it. Life is full of little grievances like this that we just to do our best to ignore and carry on regardless. But what happens when the trickle becomes a torrent and you find yourself flooded with spam. It doesn’t happen often but when it does you can’t help feeling overwhelmed and like there is nothing you can do to stop it.

Rest assured, that there is a way to beat the spammers and stop your inbox getting drowned by rubbish. There are many spam prevention techniques that you can use to win the war on this tiresome email pest. Of course, you need to use your email every day, so the solution has to be a little bit more complicated than just logging out for good.

The right tool for the job

The first thing you can do is to use your email account’s spam filter. If you have an account with one of the big providers, these should be relative easy to use and quite effective. Just turn on the filter and you should stop a large percentage of the spam reaching your inbox.

If your email account is administered by your firm, then there should be systems administrators to help you try and block spam. But if you work for a smaller company this might not be the case. In which case it might be up to you to try and prevent the spam personally. Your first step is to use the filters but if you feel these really aren’t working it might be time to invest in some spam fighting technology. There are a number of open source anti-spam tools out there that are designed to spot and defend against spam.

Coming up for air

In the event you do get flooded, you need to utilise these tools to allow you the time to clear out your inbox and get back to doing your job. The last thing any of us needs in the modern world is to have to take up valuable time fighting a battle against spam without the tools necessary to beat it.

Tracy Smith

Junk mail, the bane of my inbox