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p14 weekender saturday november 22 1997 tell everyone when youve been scammed once bitten twice shy goes the adage company owners and employees who have lost money to scam artists in the past vow to be on guard against wolves in sheeps clothing registered retirement income fund many canadians are choosing a rrif when they mature their rrsp a rrif is basically a reversed rrsp instead of putting money into savings for retirement you are withdrawing a minimum amount each year to supplement your retirement income complimentary information luncheon monday november 24 1997 1230 pm 130 pm featured speakers david redwood regional sales manager trimark and larry stadnyk investment rep of edward jones sandwiches provided by village grocer call kathy at 3058507 to reserve a seat location 4591 hwy 7 unit 110 unionville 9053058507 httpwwwedwardjonescom member ciff edwardjones serving individual investors atrimark mutual funps but experts on protecting your money at the ministry of consumer and commercial relations said those who have been fleeced once by scam artists are at greater risk than those who have not this increased risk is no indication youre more gullible or less informed than anyone else said marilyn gurevsky a manager with the ministrys business divi sion you are at greater risk because scam artists will come back to people who have already been their victims also they sell lists of vic tims to each other youre our cachet centre branch at woodbine 16th ave is open to take advantage of these three serve jfotja moneysaving offers glve y 2 tmmmsm t c n you fkryourpie transfer your chequing account to canada trust and well pvp wmsb 7 se th k anch coition- 55 woodbine at 16th ave c one 9058872811 9255 woodbine at 16th ave phone 9058872811 hours 930600 montowed 930800 thursfri 930300 sat i i o canadatrust finance likely to be the target of a number of dishonest schemes if youve been bitten once gurevsky said the best protection against scam artists at home and at the office is to be informed know how to deal with promoters on the tele phone by mail and in per son also scan local media reports to keep abreast of any scams currently active in your area above all share infor mation said gurevsky one of the biggest boons to scam artists is peoples reluctance to tell anyone else theyve been taken a t work this means ft making sure that jl jleveryone in the office has information about any scam that has been used against the company how the approach was made how the recipient was pulled into the scam and what resulted one of the most com mon office scams is the phoney photocopy toner or paper deal this is usually set up by someone who phones in often saying theyre com pleting a survey and want to know if you have one of several types of photo copiers theyll name the top five sellers theyll ask you for the serial num ber then hang up a few days later some one will call with a great deal offering cheap rates on paper or toner they may say they repre sent your regular sup plier which many employees dont doubt because they know the make and serial number of the office photocopi er once you agree to accept the mer chandise youll dis cover the discount doesnt apply to what youve ordered and end up with a huge bill if they think you can be intimidated theyll threat en in an aggressive tone to take you to collec tions if you dont pay up dont accept cod orders for office supplies dont give out office credit card numbers or banking information of any kind over the phone unless youre placing the order and youve made the call dont pay for any thing even if its only a 5 charge if youve no record it was ordered and dont give a piece of office stationery or a receipt sample to anyone who arrives at your door they could be used for fraudulent purposes said gurevsky pat robinson cif trustee in bankruptcy call for a free personal discussion help with creditor problems proposal to creditors personal business bankruptcy financial counselling 9555 yonge st 401 15139 yo st at wcidrick richmond hill church aurora 9055089493 9057272577 email patpatrobinsoncom web wwwpatrobinsoncom low low life term insurance rates affordable financial security male non smokers rates male smokers rates 40 45 50 55 60 65 70 5250 500000 1000000 250000 500000 1000000 5375 440 645 925 1490 2690 5115 680 810 1220 1 1780 2910 5115 10160 840 1110 1560 2300 3465 4755 11725 female rates considerably less monthly premiums available lowest rates for level increasing term plans no tax added to premiums quoted lowest rates for disability coverage estate protection plans special rates for select smokers offers valid from november 1 1997 to february 28 1998 some conditions apply lo these offers the above offers may be combined with each other but not with any other offers or discounts complete terms and conditions in branch offers may be withdrawn at any time without prior notice organizations and businesses are not eligible u trade marks of canada trustco mortgage company call cyril gerson today for your financial security needs tel 9057646924 toll free 1 800465360 1 member independent life insurance brokers of canada whats new in office scams were seeing some of the tried- andtrue scams scams that have made dishonest promoters a lot of money being used on potential vic tims that arent usually at the top of the hit list small business people gurevsky said that publicity about the increasing numbers of people going into business for themselves in small and sometimes oneperson operations is attracting the attention of scam artists take a careful detached look at offers you receive in the mail one of the most common approaches is to take your money through a 900 or paypercall tele phone number although many legitimate direct marketers use 900 numbers the ministry is concerned about the ease of access the numbers provide fraud artists to their victims money any time youre asked for money in advance it should be a tipoff all may not be as it seems if you receive an offer for any service or equipment that just seems too good to be true check before you write a cheque if approached call project phonebusters if an approach was made by tele phone or mail contact project phonebusters a special police task force that the ministry works on with the rcmp and opp at 1-705- 4958501 if you think an approach seems suspicious whether it is made by mail phone or in per son call the min istrys general inquiry unit at 1- 8002681142 or 416 326- 8555 in the toronto area project phoneb usters or the fraud unit of your local police force for information 1525 2150 3050 4530 6725 9035 23350