Can you spot a scam? 5 Tell-tale Signs

1. Refusing to meet in person

Kijiji is set up for people to meet with locals to exchange goods and services. If someone does not want to meet in person, classified ads are not the right avenue to pursue buying and selling. If someone claims to be abroad, on an oil rig, a foreign missionary, a greenpeace worker in the arctic, etc., there is a very high likelihood it is a scam (not to say that those who actually hold these positions are scammers, but fruadsters regularly claim to have these professions because they provide a credible excuse not to meet up, or carry with them associations of good moral character, or both). The longer someone’s explanation for not being able to meet in person is, the more likely it is to be fraud. When someone asks to carry out a transaction without being face to face, just say no!

2. Telling you they will pick up/mail the item or use a third party escrow service.

Kijiji is not meant for any transactions that are not face to face, so if someone contacts you insisting they will handle the transaction from a remote location or using an escrow, mailing, or pick up service are highly likely to be fraudulent.

3. Creating a strong sense of urgency

If scammers think you’re hesitant on the sale, they create a sense of urgency so you complete the transfer right away. They may do this by telling you they’ve received a lot of interest or that someone closer wants to purchase the item, or threatening legal action against you if you do not do ask they ask. Their aim is to trick you into acting quickly, before you have a chance to carefully think through the risks, or talk to someone about it.

4. Sad stories as excuses

Fraudsters try to manipulate compassionate and well intention ed Canadians with sob stories. If they are asking you to do something that does not seem right, and distracting from the request with a sad story (usually a lengthy one), be on your guard.

Don’t assume that any mention of hardship is fraud, but if there are any other red flags coupled with over sharing details of personal, financial, or family hardship, it is quite likely that you are dealing with a fraud attempt.

5. The deal is too good to be true

If this is a once in a lifetime deal and you must act fast, before you have the chance to think about it, be on your guard! If the deal is too good to be true, it probably is!

Hiring a Web Designer? The Skills You Need to Look For

If you have a small business and are looking to hire a web designer to increase your online presence, knowing who the best fit is can be tricky. After all, if you knew enough about web design to design a site, you wouldn’t need the help of a professional! Whoever you hire should have a good working knowledge or HTML, CSS, and javascript. Beyond that, it depends largely on what you are looking to get out of the website. Here are some questions that will help determine the skills your project requires:

 

How to Hire a Web Designer

  • Do you need content as well as a layout? If yes, you could either try to find someone who can provide a “one stop shop” for your website on a more ongoing basis, or hire a web copy editor as well as a designer.
  • Is your site a web presence for a brick and mortar business only, or do you also need it to be an e-commerce site? A site that supports transactions is much more complex than a site that only conveys information, so if you are looking to sell through your website, make sure your web developer has the experience and the know-how to get it right.
  • Do you have a mock up of how you want your site to look? If not, look for someone with some graphic design or user experience know-how to get it looking professional. If so, make sure you discuss your vision with them so they understand what you need.
  • If you want animations everywhere, make sure to find a good flash developer. If you prioritize getting traffic from google, make sure you find someone who knows how to make a SEO (search engine optimization) friendly website. Understand that you can’t always have it both ways – for instance, a flash website is not going to deliver strong SEO results. Talk with the potential candidates about your aims and potential drawbacks so you can be sure that you are on the same page.
  • Do you have a good rapport? You will be going back and forth with this individual quite a bit, so it is important that you get along and can understand each other. Bad communication will cost you time and money, so make sure that they are someone you enjoy working with, and who ensures they understand you before proceeding. If there is a language barrier, you might have a difficult time getting your needs understood.
  • Make sure you ask to view their portfolio, and ask for references (preferably from some of the same businesses as they display in their portfolio).
  • Make sure you are comparing apples to apples when comparing quotes. If one web designer quotes you for the initial set up only, and the other includes ongoing technical support, obviously the latter will be higher. Make sure you know exactly what services they are providing and you are paying for so you can make an informed decision.

Because there’s No Greater Gift than the Love of an Animal, iAdopt for the Holidays

Be a part of a Canadian program that drives pet adoption during the upcoming holiday season!  

The Ontario SPCA had such amazing success with their “iAdopt for the Holidays” adoption campaign last year that it’s back again this year across Canada! Over 50+ participating SPCA’s, Humane Societies and Animal Rescues are on board to get as many pets adopted into their new loving homes over the holidays as possible.  
OSPCA: adopt a cat this holiday season

What is iAdopt for the Holidays all about? iAdopt For the Holidays is a two-month adoption drive that aims to change the lives of orphaned pets. Since more families bring a new pet home during the holidays than any other time of the year, this campaign aims to raise awareness about the importance of pet adoption by sharing the positive real life pet adoption stories of others.  
OSPCA: adopt a dog this holiday season
How can you make this campaign an ever greater success this year? Drop in to one of many participating societies across Canada from November 1st to December 31st to meet your new furrrever friend! We also invite you to take part in the iAdopt Facebook contest. Submit your pet adoption story along with a photo of your pet and your reason for adopting, for a chance to win great prizes!   If you’re interested in learning more about iAdopt for the Holidays and finding your local participating society, check out www.iadopt.ca.

Categories:Guest Post, Kijiji Pets

Happy Halloween from Kijiji

kijiji halloween 2014
We hope everyone has a safe and happy Halloween!

Categories:Holidays, Inside Kijiji

Fires, Thieves and Foam Parties – The “ins and outs” of Tenant Insurance

You never know when disaster can strike. The old, “it won’t happen to me” is a common sentiment until Murphy’s Law kicks in. Theft, fire and damage to apartments happen more than you would guess and you should be prepared, it won’t cost you much and you’ll worry less. Check out this neat Infographic resource from one of Canada’s top property managers, they’ve seen it all.

Capreit Tenant Insurance Infographic

What does the monthly Tenant Insurance cost cover?

  • damage to or loss of your possessions if you rent or lease your apartment or home
  • personal property stolen from your vehicle
  • injury caused to visitors (ex. slip and fall on the driveway)
  • Accidental damage you cause to any part of the apartment building or home you are renting. If the bathtub overflows and floods your apartment, or you’re having a foam party (you’ll want to ask about coverage for this one before sending invites, parties probably won’t qualify as accidents). Tenant insurance can pay for the damage caused to your apartment, the building or neighbouring units.

I don’t have any expensive stuff!

Replacing one or two sweaters is no biggie but imagine having to dish out for 4 or 5 new pairs of shoes, not to mention a new laptop, TV or even a new bed! Are you adding this up? My rough count is up to about $4000 on these few items alone and we’re just scratching the surface. You get the point here; what’s a few hundred bucks a year for a piece of mind? If this sounds like scare tactics to you, you’re catching my drift.

flood

Will my insurance cover the full value of my lost/damaged possessions?

There are two standard types of reimbursement and it’s important to understand the difference between the two; it can impact your premiums and affect how the insurance company assesses your claim. When shopping around for home, condominium or tenant insurance, make sure you find out if the quotes you receive are based on actual cash value or replacement value because premiums for replacement coverage will be higher than for cash value.

  • Cash value coverage reimburses you for the value of personal belongings at the time of a claim. If your 3-year-old mountain bike is stolen, you’d receive the value less depreciation. If the original cost was $2,000, you might only receive $1,000, minus the deductible.
  • Replacement cost coverage reimburses you for the full value of an item. If you’d have to pay $2,500 to buy that same mountain bike today, that’s what you’d receive, less the deductible.

Do Students need Insurance?

Starting at college or university comes with brain clutter like exams, parties, co-ops and friends but one thing that rarely comes to mind is insurance, and for good reason. If you’re a student you’ve probably never had the need for your own insurance; living at your parent’s house and driving their car means you’re insured under their policy. Depending on where you stay while attending school, you might need your own.

  • If you’re living at your parent’s home or residence, you’re covered by their insurance
  • There is usually a cap or limit to how much coverage a student can claim from their parent’s plan, make sure to inquire about the limitations.
  • Students living off campus in an apartment, condo or house should definitely get coverage, especially if you’re living with roomates!
  • Best of all, once you have insurance you can now host a raging foam party (I recommend attending rather than hosting, from personal experience)