Learning
How Fraudulent Companies Prey on People in Underdeveloped Countries
The title itself should have an understanding that the fraudulent companies were involving the people of underdeveloped Countries as their victims. But the truth is that they are doing the exact opposite.
You see, in order for fraudulent companies to remain undercover, they need to have staff that is easily disregarded even if their operations float up to the surface for the authorities to see. What this article will talk about is the way fraudulent companies convince the citizens of underdeveloped nations to work for them.
What types of fraudsters do this?
There are quite a lot of variations of fraud on the internet as well as over the telephone. In this case, where large numbers of staff are required, we’re going to talk about the frauds over the telephone.
Most companies that engage in this behavior tend to have something to do with the financial industry or some kind of medicine.
But before we identify these types of strategies, let’s first identify when these strategies are legitimate.
For example, if you register with a financial company and provide your mobile number during registration, it’s quite obvious that a call may happen at one point or another. All of this is usually not designed to sell you anything. It is just quality assurance or identity confirmation.
The main idea is that financial regulations prohibit unsolicited calls to registered clients in an attempt to sell a service. Therefore, even if you’ve registered with a company, and they try to sell you something through a phone call, it is most likely not a good idea to agree.
To combat this issue, most legitimate fx trade companies first try to receive consent from the user. Usually this is through an email, requesting to schedule a call if the user actually wants to listen to what the company has to say. Should there be no consent, it will be clear to the user that an incoming call is not directly from their company, and they should ignore it.
How does fraud kickstart?
The fraudsters set up shop in a relatively poor country, knowing that finding English-speaking staff is going to be easy, and offer salaries which are not easily trumped by local market realities.
For example, in some countries in Eastern Europe, offering somebody $500 as a base salary is already an amazing deal for them, considering that most have an average income of around $300 or $400.
The salaries easily convince the citizens to agree to such proposals and start working without even knowing what they’re getting themselves into.
What the recruiting process looks like
The recruiting process is pretty similar to any other company you’ve been to. It starts with listing an open position about an English Speaking Representative in a fast-growing company in the center of town.
This is already a very enticing sentence for most people, as they associate fast-growing with increasing wages or promotions further down the line.
The description of the job is usually very friendly, youthful, and optimistic. The fraudsters make sure not to ask any kind of education from their future employees, which pretty much gives them an edge in terms of morality.
Many people in developing nations either cannot afford to get a higher education or can’t find a job in their respective fields.
Once the resumes are gathered, it is time to start with the interviews, screenings, and training of these new recruits.
Interview
These companies have very odd interview times. Depending on where you live, they could require you to come to the interview at 20:00 PM, or even 01:00 AM. This is due to the fact that they mostly focus on markets such as Western Europe, North America, and Australia, where incomes are much higher than anywhere else.
Once the candidate shows up to the interview, he or she is met with a large open space of people sitting in front of computers, with headsets speaking to clients. There’s modern music blasting in the background, which makes everybody wonder how these employees manage to remain focused.
Most interviewees can even hear current employees curse at their clients or yell at them. Under such an impression, they are lead to a secluded room where the noise does not penetrate.
The first question, contrary to popular belief isn’t “Tell me about yourself”, it’s “have you ever sold over the phone before”. In most cases, the answer is No, which is exactly what the interviewer wants to hear.
Training
Let’s assume that the interviewee passed the interview, which will lead him or her to a training session with other people that have passed the same stage.
In most cases, the company aligns these people on a large table, where they conduct a small roll call so that everybody is aware of their names and knows what they are going to do.
The act that follows is the description of what the company does exactly. In this case, people simply say that they scam people. They call innocent victims and try to make the deposit as much money as possible. This is a filtration tool, which allows some people to get up and leave right then and there. You’d be surprised how few people do this.
Once the truth is out there, it will be time to test the people that decided to stay. The next task is to listen to a recording of their top salesman, and see how he or she gets a victim to deposit thousands of dollars over the phone. The tactics used here are quite dirty. Things like guilt-tripping, insulting, and various other despicable manners are fair game.
Once the example is displayed, it’s time for the candidates to try selling each other something. However, this is just a formality, the fact that they passed the interview means that their English is sufficient and they are ready for the job.
First day on the job
If the time permits, the training session turns into a full workday straight away. The recruit is thrown into the fray and told to call a minimum of 500 times a day. This is quite a lot of calls. If you called once every minute, that would get you just 480 calls in a single workday. This means that one needs to call an average of 1.2 times a minute to stay above the KPI. All of this without even a 2-minute break.
Once somebody answers the call, there will be a script right in front of the recruit that they need to read immediately. In most cases, the person answering knows its a scam and hangs up immediately, but if they don’t, then it’s where the design of the script comes into play.
The recruit tries to get the victim interested, after which he transfers the call to his or her superior, who closes the sale and shares the commission with the recruit.
Take note that all of this is happening at 02:00 AM for most people. In some cases, people make as much as $5,000 with jobs like these. It may not sound like much for people from the US or the UK, but for a person from a developing nation in Africa, that’s basically like being thrust into the 1% overnight.
Is this even legal?
Most governments are aware of the fact that their citizens are being hired to do these dirty jobs. But considering the amount of purchasing power it adds to an already weak economy, they tend to abstain from doing anything about it.
This, however, is maintained as long as these fraudsters don’t target local populations. But no matter what they do and who they scam, they’re a blight on our world and should be eradicated completely.
I had the misfortune of getting myself into one 4 years ago when I was still a student. I couldn’t last for a single day and quit immediately, which is also one of the methods that these companies use.
They know that their retention levels are extremely low, and don’t do much about it. They hire more and more people and let them work for free for just one day. Considering that interviews and training happen nearly every week, these fraudsters get as much as 80-120 hours worked for free almost every month.
Entering the UK property market as a first-time buyer can feel both exciting and daunting. The process is filled with potential pitfalls and complex decisions, but with the right guidance, it can be navigated smoothly. The estate agents in Yorkshire demystify the journey from the initial decision to buy a home to the moment you step over the threshold of your new property.
Understanding Your Financial Position
The first and perhaps most crucial step in the home-buying process is understanding your financial situation. This includes assessing your savings, income, and current debts. Here’s how you can prepare:
1. Deposit: Generally, you’ll need at least 5% of the property price as a deposit, though aiming for 10% or more can provide better mortgage rates.
2. Income and Expenses: Use a budget planner to assess your monthly income against your expenses. This will help you understand how much you can afford in monthly mortgage repayments.
3. Credit Score: Lenders will evaluate your credit score to determine your mortgage eligibility. So it’s important to have a good credit score, and you should work on it if required.
4. Mortgage Options: Speak to a mortgage advisor to understand different types of mortgages, such as fixed-rate, variable-rate, and help-to-buy schemes.
Getting a Mortgage Agreement in Principle
A Mortgage Agreement in Principle (AIP) is a statement from a lender indicating how much they’ll likely lend you. You will be a more attractive buyer with an AIP as it shows sellers you’re serious and financially prepared.
Deciding What You Want
Before you start viewing properties, it’s essential to know what you’re looking for. Consider the following factors:
1. Location: Proximity to work, schools, public transport, and amenities are key. Research neighbourhoods to find the best fit for your lifestyle.
2. Property Type: Decide whether you want a flat, terraced house, semi-detached, or detached property. Each has its pros and cons.
3. Must-Haves: Make a list of non-negotiables, such as the number of bedrooms, garden size, and parking facilities.
4. Future Proofing: Consider your future needs. Are you planning to start a family? Do you need space for a home office?
Starting the Property Search
With a clear idea of what you’re looking for, you can begin your property search. Here are some tips:
1. Use Online Portals: Websites like Rightmove, Zoopla, and OnTheMarket are excellent starting points. Set up alerts to get notified of new listings that meet your criteria.
2. Visit Estate Agents: Register with local estate agents who can provide insights into the market and inform you of new properties before they’re listed online.
3. Attend Viewings: Don’t rush this part. Visit several properties to get a feel for what’s available in your price range.
Making an Offer
Once you find a property you love, it’s time to make an offer. Here’s how to approach it:
1. Research: Check the selling prices of similar properties in the area to gauge a fair offer.
2. Negotiate: Don’t be afraid to negotiate. The starting point is most usually the asking price.
3. Conditions: You might include conditions in your offer, such as the inclusion of certain fixtures or a specific moving date.
The Legal Process
If your offer is accepted, the legal process begins. You’ll need a solicitor or licensed conveyancer to handle the legalities. Here’s what to expect:
1. Conveyancing: This is the legal transfer of property ownership. Your solicitor will handle this, including conducting searches, dealing with the Land Registry, and transferring the funds.
2. Surveys and Inspections: Arrange for a property survey to check for structural issues. There are different types of surveys, from basic condition reports to full structural surveys.
3. Mortgage Finalisation: Once the survey is complete and satisfactory, your mortgage can be finalised.
4. Exchange of Contracts: This is when the sale becomes legally binding. You’ll pay your deposit at this stage.
5. Completion: On the agreed completion date, the remaining money is transferred, and you receive the keys to your new home.
Moving In
Moving day can be hectic, but planning can ease the stress:
1. Hire a Removal Company: Book a reliable removal company well in advance. Discover the best deals by getting quotes from multiple companies.
2. Pack Strategically: Label your boxes by room and keep essential items accessible.
3. Notify Utilities and Change Address: Inform your utility providers of your move date and update your address with banks, the DVLA, and other important institutions.
Settling In
Get settled. Introduce yourself to the neighbours, familiarise yourself with the local area, and really start to make the place your own.
Here are a few final tips:
1. Safety Checks: Make sure that your smoke alarms and carbon monoxide detectors are working, and make sure that you know where the gas and electricity meters are located.
2. Maintenance Plan: Keep a record of the smooth functioning of your new home with a maintenance schedule, complete with regular checks and seasonal tasks.
3. Personal Touches: Add personal touches to make the space feel like home. This can be from putting up family photos or redoing the decoration in your rooms.
Conclusion
Buying your very first home in the UK is most definitely a milestone, difficult and full of challenges but rewarding in the end. Such a philosophy guides you in understanding finances and knowing what you want to achieve from detailed research, and seeking professional advice that confidently helps you navigate the property market. Yes, the journey may have its hurdles, but in the end—owning your own home—the reward will be worth the effort. Welcome to your new chapter!
SEE ALSO: Conquer the Chaos: Hacks to Clean Your Home in Half the Time
There’s nothing quite like a pedicure to keep your feet looking and feeling their best, but did you know that pedicures do more than simply enhance the appearance of your feet? Many people don’t realize that regular pedicures can come with a wide range of health benefits that can promote the well-being of your feet, so here are some ways that your routine pedicure keeps both your toenails and feet in the best condition possible!
Smoother Skin
One of the biggest misconceptions about pedicures is that they only cater to and look after your toenails. While you’ll definitely be leaving each session with a fresh coat of nail polish, your pedicure can also do wonders for the health of your skin. Aside from trimming and shaping your nails and cuticles, you’ll notice that your nail technician also dedicates a few steps to the skin of your feet.
After inspecting your feet and looking for any issues or imperfections that may need to be addressed, your technician will work on an exfoliating scrub to remove any dead skin cells. This step may also be aided by a foot file, which can be used to buff away any calluses and other problem areas manually.
Softer Skin
After your nail technician addresses all the problem areas of your feet and removes any unwanted dead skin cells, he or she will often massage in a moisturizing product, such as lotion, cream, or butter, to ensure that your skin is properly moisturized. These products contain skin-loving ingredients that will ensure that your feet have everything they need to look and feel their best so that you can walk out of your pedicure with a renewed sense of confidence.
Healthier Nails
After your pedicure session, your nails will not only look better due to the fresh coat of nail polish, but they’ll also be healthier and stronger. This is because your nail technician takes their time to ensure that your nails are properly looked after through steps that include deep cleaning, nail trimming, nail filing, and cuticle care. All of these things work together to prevent issues like ingrown nails from occurring, all the while improving the appearance of your nails.
Increased Blood Circulation
While the specific steps included in your pedicure will depend on the beauty salon, most pedicures will have a massage step somewhere in the mix. One of the often overlooked benefits of these massages is the increased blood circulation, which can deliver more nutrients and oxygen to your feet and nails, promoting their health and appearance. Aside from that, better blood flow means reduced tension and soreness, as well as better distributed heat throughout your body.
Reduced Infections
A significant amount of dirt and bacteria can build up on your feet without you even realizing it, but pedicures can be a great way to prevent these from happening in the first place. The exfoliation step of a pedicure removes dead skin cells as well as all the debris that may have accumulated underneath, and the deep cleaning of your toenails and cuticles also gets rid of any impurities that may have slipped beneath them, which can stop infections from happening.
These are some of the many health benefits that you can look forward to at your next pedicure appointment. However, it’s worth noting that you need to book regular sessions to truly reap all the rewards. This can be difficult, especially when you don’t feel like driving to your nearest nail salon after a long day, but the good news is that you can enjoy the salon experience in the comfort of your own home with a home pedicure service.
For businesses in the bustling city of London, having a reliable heating system is crucial. Whether you’re opening a new office, expanding your current premises, or simply upgrading an outdated system, commercial boiler installation services for businesses in London are essential to ensure your operations run smoothly and efficiently. Proper installation and maintenance of commercial boilers can make a significant difference in energy efficiency, cost savings, and the overall comfort of your workspace.
The Importance of Professional Installation
When it comes to installing a commercial boiler, professional expertise is paramount. Here’s why:
- Efficiency and Performance: Professional installation ensures that your boiler operates at peak efficiency, reducing energy consumption and lowering utility bills. A well-installed boiler can effectively meet the heating demands of your business without unnecessary energy waste.
- Safety: Commercial boilers are complex systems that require precise installation to operate safely. Professional installers adhere to stringent safety standards and regulations, minimizing the risk of accidents and ensuring the safety of your employees and premises.
- Compliance with Regulations: Commercial properties are subject to various building codes and regulations. Professional installers are well-versed in these requirements and ensure that your boiler system complies with all local laws and standards.
- Longevity and Reliability: Proper installation is critical to the longevity and reliability of your boiler. A professional installation can prevent common issues such as leaks, pressure problems, and system failures, ensuring that your boiler runs smoothly for years to come.
Key Considerations for Commercial Boiler Installation
When planning for a commercial boiler installation, several factors need to be considered:
- Type of Boiler: The type of boiler you choose will depend on your business’s specific needs. Options include gas boilers, oil boilers, and electric boilers, each with its own set of advantages. Consulting with a professional can help you determine the best choice for your business.
- Sizing and Capacity: The boiler’s size and capacity must match the heating demands of your commercial space. An undersized boiler will struggle to meet your needs, while an oversized one will lead to inefficiencies and higher costs.
- Location: The placement of your boiler affects its efficiency and accessibility for maintenance. Professional installers can help you choose the optimal location for your boiler.
- Integration with Existing Systems: If you’re upgrading or replacing an existing boiler, it’s essential to ensure compatibility with your current heating system. Professional installers can seamlessly integrate the new boiler with your existing setup.
Choosing the Right Installation Service
Selecting the right installation service provider is crucial to the success of your boiler installation project. Consider the following when making your choice:
- Experience and Expertise: Look for a provider with a proven track record in commercial boiler installations. Experienced installers can handle the complexities of commercial systems and provide high-quality workmanship.
- Reputation: Check reviews and testimonials from previous clients to gauge the provider’s reliability and customer satisfaction.
- Comprehensive Services: Choose a provider that offers a full range of services, including installation, maintenance, and repair. This ensures that all your boiler needs are met by a single, trusted source.
In London, ROWLEN is a reputable name known for delivering top-notch commercial boiler installation services. Their team of experts is dedicated to providing efficient, safe, and compliant installations tailored to the unique needs of businesses.
Conclusion
Investing in professional commercial boiler installation services for businesses in London is essential for ensuring efficiency, safety, and long-term reliability. By choosing an experienced and reputable service provider like ROWLEN, you can rest assured that your heating system will be installed correctly and maintained to the highest standards. Proper installation not only enhances the performance of your boiler but also contributes to the overall comfort and productivity of your business environment.
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