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mostlysignssomeportents · 8 months

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How I got scammed

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/02/05/cyber-dunning-kruger/#swiss-cheese-security

I wuz robbed.

More specifically, I was tricked by a phone-phisher pretending to be from my bank, and he convinced me to hand over my credit-card number, then did $8,000+ worth of fraud with it before I figured out what happened. And then he tried to do it again, a week later!

Here's what happened. Over the Christmas holiday, I traveled to New Orleans. The day we landed, I hit a Chase ATM in the French Quarter for some cash, but the machine declined the transaction. Later in the day, we passed a little credit-union's ATM and I used that one instead (I bank with a one-branch credit union and generally there's no fee to use another CU's ATM).

A couple days later, I got a call from my credit union. It was a weekend, during the holiday, and the guy who called was obviously working for my little CU's after-hours fraud contractor. I'd dealt with these folks before – they service a ton of little credit unions, and generally the call quality isn't great and the staff will often make mistakes like mispronouncing my credit union's name.

That's what happened here – the guy was on a terrible VOIP line and I had to ask him to readjust his mic before I could even understand him. He mispronounced my bank's name and then asked if I'd attempted to spend $1,000 at an Apple Store in NYC that day. No, I said, and groaned inwardly. What a pain in the ass. Obviously, I'd had my ATM card skimmed – either at the Chase ATM (maybe that was why the transaction failed), or at the other credit union's ATM (it had been a very cheap looking system).

I told the guy to block my card and we started going through the tedious business of running through recent transactions, verifying my identity, and so on. It dragged on and on. These were my last hours in New Orleans, and I'd left my family at home and gone out to see some of the pre-Mardi Gras krewe celebrations and get a muffalata, and I could tell that I was going to run out of time before I finished talking to this guy.

"Look," I said, "you've got all my details, you've frozen the card. I gotta go home and meet my family and head to the airport. I'll call you back on the after-hours number once I'm through security, all right?"

He was frustrated, but that was his problem. I hung up, got my sandwich, went to the airport, and we checked in. It was total chaos: an Alaska Air 737 Max had just lost its door-plug in mid-air and every Max in every airline's fleet had been grounded, so the check in was crammed with people trying to rebook. We got through to the gate and I sat down to call the CU's after-hours line. The person on the other end told me that she could only handle lost and stolen cards, not fraud, and given that I'd already frozen the card, I should just drop by the branch on Monday to get a new card.

We flew home, and later the next day, I logged into my account and made a list of all the fraudulent transactions and printed them out, and on Monday morning, I drove to the bank to deal with all the paperwork. The folks at the CU were even more pissed than I was. The fraud that run up to more than $8,000, and if Visa refused to take it out of the merchants where the card had been used, my little credit union would have to eat the loss.

I agreed and commiserated. I also pointed out that their outsource, after-hours fraud center bore some blame here: I'd canceled the card on Saturday but most of the fraud had taken place on Sunday. Something had gone wrong.

One cool thing about banking at a tiny credit-union is that you end up talking to people who have actual authority, responsibility and agency. It turned out the the woman who was processing my fraud paperwork was a VP, and she decided to look into it. A few minutes later she came back and told me that the fraud center had no record of having called me on Saturday.

"That was the fraudster," she said.

Oh, shit. I frantically rewound my conversation, trying to figure out if this could possibly be true. I hadn't given him anything apart from some very anodyne info, like what city I live in (which is in my Wikipedia entry), my date of birth (ditto), and the last four digits of my card.

Wait a sec.

He hadn't asked for the last four digits. He'd asked for the last seven digits. At the time, I'd found that very frustrating, but now – "The first nine digits are the same for every card you issue, right?" I asked the VP.

I'd given him my entire card number.

Goddammit.

The thing is, I know a lot about fraud. I'm writing an entire series of novels about this kind of scam:

https://us.macmillan.com/books/9781250865878/thebezzle

And most summers, I go to Defcon, and I always go to the "social engineering" competitions where an audience listens as a hacker in a soundproof booth cold-calls merchants (with the owner's permission) and tries to con whoever answers the phone into giving up important information.

But I'd been conned.

Now look, I knew I could be conned. I'd been conned before, 13 years ago, by a Twitter worm that successfully phished out of my password via DM:

https://locusmag.com/2010/05/cory-doctorow-persistence-pays-parasites/

That scam had required a miracle of timing. It started the day before, when I'd reset my phone to factory defaults and reinstalled all my apps. That same day, I'd published two big online features that a lot of people were talking about. The next morning, we were late getting out of the house, so by the time my wife and I dropped the kid at daycare and went to the coffee shop, it had a long line. Rather than wait in line with me, my wife sat down to read a newspaper, and so I pulled out my phone and found a Twitter DM from a friend asking "is this you?" with a URL.

Assuming this was something to do with those articles I'd published the day before, I clicked the link and got prompted for my Twitter login again. This had been happening all day because I'd done that mobile reinstall the day before and all my stored passwords had been wiped. I entered it but the page timed out. By that time, the coffees were ready. We sat and chatted for a bit, then went our own ways.

I was on my way to the office when I checked my phone again. I had a whole string of DMs from other friends. Each one read "is this you?" and had a URL.

Oh, shit, I'd been phished.

If I hadn't reinstalled my mobile OS the day before. If I hadn't published a pair of big articles the day before. If we hadn't been late getting out the door. If we had been a little more late getting out the door (so that I'd have seen the multiple DMs, which would have tipped me off).

There's a name for this in security circles: "Swiss-cheese security." Imagine multiple slices of Swiss cheese all stacked up, the holes in one slice blocked by the slice below it. All the slices move around and every now and again, a hole opens up that goes all the way through the stack. Zap!

The fraudster who tricked me out of my credit card number had Swiss cheese security on his side. Yes, he spoofed my bank's caller ID, but that wouldn't have been enough to fool me if I hadn't been on vacation, having just used a pair of dodgy ATMs, in a hurry and distracted. If the 737 Max disaster hadn't happened that day and I'd had more time at the gate, I'd have called my bank back. If my bank didn't use a slightly crappy outsource/out-of-hours fraud center that I'd already had sub-par experiences with. If, if, if.

The next Friday night, at 5:30PM, the fraudster called me back, pretending to be the bank's after-hours center. He told me my card had been compromised again. But: I hadn't removed my card from my wallet since I'd had it replaced. Also, it was half an hour after the bank closed for the long weekend, a very fraud-friendly time. And when I told him I'd call him back and asked for the after-hours fraud number, he got very threatening and warned me that because I'd now been notified about the fraud that any losses the bank suffered after I hung up the phone without completing the fraud protocol would be billed to me. I hung up on him. He called me back immediately. I hung up on him again and put my phone into do-not-disturb.

The following Tuesday, I called my bank and spoke to their head of risk-management. I went through everything I'd figured out about the fraudsters, and she told me that credit unions across America were being hit by this scam, by fraudsters who somehow knew CU customers' phone numbers and names, and which CU they banked at. This was key: my phone number is a reasonably well-kept secret. You can get it by spending money with Equifax or another nonconsensual doxing giant, but you can't just google it or get it at any of the free services. The fact that the fraudsters knew where I banked, knew my name, and had my phone number had really caused me to let down my guard.

The risk management person and I talked about how the credit union could mitigate this attack: for example, by better-training the after-hours card-loss staff to be on the alert for calls from people who had been contacted about supposed card fraud. We also went through the confusing phone-menu that had funneled me to the wrong department when I called in, and worked through alternate wording for the menu system that would be clearer (this is the best part about banking with a small CU – you can talk directly to the responsible person and have a productive discussion!). I even convinced her to buy a ticket to next summer's Defcon to attend the social engineering competitions.

There's a leak somewhere in the CU systems' supply chain. Maybe it's Zelle, or the small number of corresponding banks that CUs rely on for SWIFT transaction forwarding. Maybe it's even those after-hours fraud/card-loss centers. But all across the USA, CU customers are getting calls with spoofed caller IDs from fraudsters who know their registered phone numbers and where they bank.

I've been mulling this over for most of a month now, and one thing has really been eating at me: the way that AI is going to make this kind of problem much worse.

Not because AI is going to commit fraud, though.

One of the truest things I know about AI is: "we're nowhere near a place where bots can steal your job, we're certainly at the point where your boss can be suckered into firing you and replacing you with a bot that fails at doing your job":

https://pluralistic.net/2024/01/15/passive-income-brainworms/#four-hour-work-week

I trusted this fraudster specifically because I knew that the outsource, out-of-hours contractors my bank uses have crummy headsets, don't know how to pronounce my bank's name, and have long-ass, tedious, and pointless standardized questionnaires they run through when taking fraud reports. All of this created cover for the fraudster, whose plausibility was enhanced by the rough edges in his pitch - they didn't raise red flags.

As this kind of fraud reporting and fraud contacting is increasingly outsourced to AI, bank customers will be conditioned to dealing with semi-automated systems that make stupid mistakes, force you to repeat yourself, ask you questions they should already know the answers to, and so on. In other words, AI will groom bank customers to be phishing victims.

This is a mistake the finance sector keeps making. 15 years ago, Ben Laurie excoriated the UK banks for their "Verified By Visa" system, which validated credit card transactions by taking users to a third party site and requiring them to re-enter parts of their password there:

https://web.archive.org/web/20090331094020/http://www.links.org/?p=591

This is exactly how a phishing attack works. As Laurie pointed out, this was the banks training their customers to be phished.

I came close to getting phished again today, as it happens. I got back from Berlin on Friday and my suitcase was damaged in transit. I've been dealing with the airline, which means I've really been dealing with their third-party, outsource luggage-damage service. They have a terrible website, their emails are incoherent, and they officiously demand the same information over and over again.

This morning, I got a scam email asking me for more information to complete my damaged luggage claim. It was a terrible email, from a noreply@ email address, and it was vague, officious, and dishearteningly bureaucratic. For just a moment, my finger hovered over the phishing link, and then I looked a little closer.

On any other day, it wouldn't have had a chance. Today – right after I had my luggage wrecked, while I'm still jetlagged, and after days of dealing with my airline's terrible outsource partner – it almost worked.

So much fraud is a Swiss-cheese attack, and while companies can't close all the holes, they can stop creating new ones.

Meanwhile, I'll continue to post about it whenever I get scammed. I find the inner workings of scams to be fascinating, and it's also important to remind people that everyone is vulnerable sometimes, and scammers are willing to try endless variations until an attack lands at just the right place, at just the right time, in just the right way. If you think you can't get scammed, that makes you especially vulnerable:

https://pluralistic.net/2023/02/24/passive-income/#swiss-cheese-security

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by/3.0/deed.en

#pluralistic #social engineering #phishing #ai #swiss cheese security #infosec #finance #fraud #carding

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maikaartwork · 1 year

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Artists, let’s talk about Instagram commission scammers

There’s been a huge rise in commission scammers recently, mostly on Instagram. A lot of new artists don’t know what to look out for, so I figured this might help people.

How they begin

Usually the scammer will write to you asking about a commission. Something deceptively cute - mostly I encounter asks about pet portraits, with one or two photos sent. They’ll probably try to sell you a sweet little story, like “It’s for my son’s birthday”. They will insist that they love your artwork and style, even though they don’t follow you or never liked a single piece of your art.

What to look out for:

Their profiles will either be private, empty, or filled with very generic stuff, dating at most a few years back.

Their language will be very simple, rushed or downright bad. They might use weird emojis that nobody ever uses. They will probably send impatient “??” when you don’t answer immediately. They’re in a crunch - lots of people to scam, you know.

They’ll give you absolutely no guidelines. No hints on style, contents aside from (usually) the pet and often a name written on the artwork, no theme. Anything you draw will be perfect. Full artistic freedom. In reality they don’t really care for this part.

They’ll offer you a ridiculous amount of money. Usually 100 or 300 USD (EDIT: I know it might not be a lot for some work. What I mean here - way higher than your asking price, 100 and 300 are standard rates they give). They’ll often put in a phrase like “I am willing to compensate you financially” and “I want the best you can draw”, peppered with vague praise. It will most likely sound way too good to be true. That’s because it is.

Where the scam actually happens

If you agree, they will ask you for a payment method. They’ll try to get to this part as soon as possible.

Usually, they’ll insist on PayPal. And not just any PayPal. They’ll always insist on sending you a transfer immediately. None of that PayPal Invoice stuff (although some do have methods for that, too). They’ll really, REALLY want to get your PayPal email address and name for the transfer - that’s what they’re after. If you insist on any other method, they’ll just circle back to the transfer “for easiest method”. If you do provide them with the info, most likely you’ll soon get a scam email. It most likely be a message with a link that will ultimately lead to bleeding you dry. Never, and I mean NEVER click on any emails or links you get from them. It’s like with any other scam emails you can ever get.

A few things can happen here:

They overpay you and ask for the difference to be wired back. Usually it will go to a different account and you’ll never see that money again.

They’ll overpay you “for shipping costs” and ask you to forward the difference to their shipping company. Just like before, you’ll never see that money again.

The actual owner of the account (yes, they most likely use stolen accounts to wire from) will realize there’s been something sketchy going on and request a refund via official channels. Your account will be charged with fees and/or you get in trouble for fraudulent transactions.

You will transfer the money from your PayPal credit to your bank account and they will make a shitstorm when they want their money back, making your life a living hell. They will call you a scammer, a thief, make wild claims, wearing you down and forcing you into wiring money “back” - aka to their final destination account.

Never, EVER wire money to anyone. This is not how it’s supposed to go. Use PayPal Invoice for secure exchanges where the client needs to provide you with their email, not the other way around.

You can find more info on that method HERE.

What to do when you encounter a scammer:

Ask the right questions: inquire about the style, which artwork of yours they like, as much details as you can. They won’t supply you with any good answers.

Don’t let the rush of the exchange, their praise and the promise of insanely good money to get to you. That’s how they operate, that’s how they make you lose vigilance.

Don’t engage them. As soon as you realize it might be a scam, block them. The sense of urgency they create with their rushed exchange, and pressure they put on you will sooner or later get to you and you might do something that you’ll regret later.

Never wire money to anyone. Never give out your personal data. Never provide your email, name, address or credit card info.

Don’t be deceived by receiving a payment, if you somehow agree to go along with it. Just because it’s there now doesn’t mean it can’t be withdrawn.

Here is a very standard example of such an exchange. I realized it’s a scam pretty fast and went along with it, because I wanted good screenshots for you guys, so I tried going very “by the book” with it.

Please share this post, make it reach as many artists as possible. Let young or inexperienced artists know that this is going on. So many people have no idea that this is a thing. Let’s help each other out. If you think I missed any relevant info, do add it as an rb!

Also, if you know other scam methods that you think should be shared, consider rb-ing this post with them below. Having a master post of scam protection would AWESOME to have in the art community.

#art resources #artist help #artist advice #commission advice #scammers #instagram scam #please share with your fellow artists

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mister13eyond · 2 years

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I am in an Absolute Garbage brain state today, forgive me

#my card got compromised so like it's canceled and can't be used until i get a new one #but all my money is tied up in fraudulent transactions #also I'm just fucking Exhausted #personal #vent

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bitchiswild · 8 months

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Brat

GP Kazuha x F! Reader

Word Count: 2.1k

Warnings: smut, creampie, slight choking etc.

A/n: based somewhat (literally just a quote) on a book

Kazuha's voice echoed through the grand foyer, cutting through the air like a sharp wind as you walked through the door, laden with bags from designer brands. The contrast between the opulent shopping spoils and the tension in the atmosphere was palpable.

"Where have you been?" Her voice boomed, demanding an explanation that you weren't quite ready to provide. You met her gaze with a nonchalant shrug, as if shopping were a perfectly reasonable response to whatever had transpired in your absence.

"Shopping," You replied, your tone casual, as your eyes fixed on the stairs ahead.

Before you could go, Kazuha grabbed your arm, bringing you to an abrupt halt. Exhaling a frustrated sigh, she eyed the bags in your hands with disbelief. "We had an argument earlier, and you're just shopping?" Her words dripped with incredulity, a mix of frustration and annoyance etched across her features.

You wrestled your arm from her grip, a defiant glint in your eyes. "Sometimes, a little retail therapy is the best remedy for a disagreement," You retorted, your attempt to deflect the tension not going unnoticed.

Just as the standoff continued, Kazuha's phone buzzed in her pocket. She fished it out and glanced at the screen, a call from an unknown number. Hesitating for a moment, she answered, unsure of what awaited on the other end.

"Ma'am, we're calling to verify that you made a purchase for $500,457.48 today at Dior. And $250,426.10 online at Chanel. If you cannot confirm it or it is fraudulent, we can cancel the transactions," a voice on the other end stated.

Kazuha's eyes sharpened, and she shot you a questioning look. You couldn't help but smirk. “$500K and $250K?" She muttered. The tension in the room shifted, and for a moment, the weight of our argument seemed to be overshadowed by the sheer absurdity of the extravagant charges.

"No, it's not fraud. That's just my future wife throwing a tantrum. Go ahead and run the bills through," Kazuha grumbled into the phone before clicking it off.

Kazuha's head snapped towards you, and before you could react, she grabbed your arm, forcefully dragging me up the stairs and pushing you into yours and Kazuha’s room. Stumbling inside, the bags in your hands scattering all over the floor. Kazuha stalked towards you, her eyes darkening with a mix of frustration and a glint of desire.

As you stood frozen in your spot, Kazuha's hand gripped your jaw, her breath brushing against your lips. You shuddered at the proximity, feeling a rush of both fear and desire.

"You're such a fucking brat, you know that?" She questioned, her eyes boring into yours with an intensity that made your heart race.

You stared back at her, the defiance in you unyielding. "A brat that is your future wife," You retorted, a smirk playing on your lips.

She chuckled darkly, pushing you backward towards your bed until your knees hit the mattress, forcing you to sit. You looked up at Kazuha, who towered over you with a captivating intensity. Desire flickered in her eyes as she gently caressed your face.

"My pretty brat, indeed" She muttered before pushing you down onto the bed, making you lie down. The room seemed to pulse with a mixture of tension and anticipation as she hovered over you, trapping you in between her arms.

Her eyes locked onto your body, hunger flickering within them. She teased her finger across your chest, tracing invisible patterns, before sensually gliding it down to your covered core.

Her touch sent shivers down your spine. The anticipation hung thick in the air, each moment stretching with a palpable tension. Her gaze remained fixed on mine, a silent exchange of desire and consent unfolding between us.

Her hands reached up to your neck, gripping it before pulling you into a hungry kiss. Her kisses moved from your lips to your neck. You tilted your neck to give her more access, letting it shine from the spit of her kisses.

Her kisses became more greedy and her touches became more rough making your thighs clenched, “Please, fuck me already,” You whimpered, you were getting frustrated with her teasing. But Kazuha just laughs at how desperate you were getting.

“You think brats deserve to get fucked?” She questioned darkly, her hips grinding slightly against your clothed center, making you instinctively buck your hips into hers.

"Please," You whimpered, tears brimming in your eyes as you stared at her. Kazuha shook her head, her eyes raking over your body once more before locking with yours. Her cock was straining in her pants at your pleas, loving how desperate you sounded. Needy, just the way she likes it.

Kazuha gripped your pants, yanking them down in one swift motion, leaving you bare in front of her. You spread your legs, revealing your wet core. Her eyes locked onto it.

"No underwear?" She questioned, kneeling down to get closer to your core. She looked up at you with one eyebrow raised, waiting for an answer. You shook your head, prompting a disapproving sound from her. She then kissed around your center, making you squirm, but she held you in place.

“So pretty, so so pretty.” She mumbled as she stared at your core. Her hips bucked at the sight, you were wet and ready for her.

With your legs over her shoulders, the tip of her tongue teased your entrance, making you gasp at the warm sensation as she licked up and down your folds. Kazuha buried herself in your cunt lapping up all your juices, like she was starving.

You gripped anything you could have your hands on as pleasure surged through your body as Kazuha abused your cunt. “S-Shit Kazuha!” You moaned loudly, as your hand found its place in her hair.

“You taste so good baby,” Kazuha moaned against your core, sending vibrations that made your body shiver.

"Fuck, just like that—your tongue feels so fucking good." Your breathy moans echoed through the room. Kazuha wrapped her lips around your clit, her tongue flicking it, causing your hips to stutter and pushing yourself closer to her face.

"Shit, I'm gonna cum," your legs began to quiver around her head, your hands still in her hair. Kazuha's lips wrapped around your clit again, flicking her tongue faster to bring you to your edge. Your moans became louder, a symphony to her ears. Her cock throbbed in her pants, begging to be released and paint your insides with white.

"Cum, baby, cum on my mouth," she murmured against your cunt. Your body started thrashing around, and your legs shook. "Oh my god—" you gasped, your eyes rolling back. Moaning your back arched as your orgasm washed over. Kazuha held you down, helping you ride out your orgasm.

Your legs twitched as she continued her assault on your pussy. Kazuha looked at you, pulling away, and gave you a passionate kiss, making you taste yourself on her tongue.

"Fuck me with your cock," You whimpered.

Kazuha swiftly discarded all her clothing, leaving only her boxers on. She kneels beside you, helping to remove the remaining fabric from your body. As you sat up, anticipation heightened as you grabbed her boxers and pulled them down. Her thick and lengthy cock slapped against her stomach, coated with glistening pre-cum. The tip, visibly red and pulsating, begged for attention, ready to be sucked.

Your fingers wrapped around Kazuha's cock, pumping it with a firm yet teasing touch. Her moans filled the air, and she gently caressed your hair. Taking a moment, she gathered your locks into a makeshift ponytail. Guiding your face closer to her pulsating cock, she let out a throaty sigh as you eagerly complied, parting your lips and sticking your tongue out to welcome her. Your plump lips enclosed around her throbbing shaft, creating an irresistible sensation. Kazuha responded with a slow and controlled thrusting motion, the rhythm building as she began to gently fucked your mouth.

"Fuck, baby, your mouth is so good," Kazuha moaned, her head falling back. You looked up at her as she continued to fuck your mouth, the raw pleasure evident in her expressions and moans.

Her thrusts quickened, prompting moans from both of you. The vibrations traveled up Kazuha's cock, intensifying the pleasure. "Shit, baby, I'm gonna cum in your mouth," she grunted, her hips stuttering as she came hard in your mouth.

Pulling away, Kazuha gripped your jaw, a commanding edge to her voice. "Show me, then swallow it," she muttered. You opened your mouth, revealing her cum on your tongue, and then swallowed it all. Opening your mouth again to prove it, Kazuha pulled you into another kiss.

"That's my good girl," she murmured. Then, with a swift move, she flipped you onto your stomach, pulling your ass towards her hardening member. Rubbing herself on your ass, she teased your tight, soaking entrance with the tip of her member, pushing in slightly and then pulling away. Frustration built within you. "Fuck me already!" you groaned.

In response, Kazuha, in one quick thrust, pushed her member inside of you. A choked-out moan escaped your lips at the stretch, and you grasped the sheets, the sensation overwhelming yet undeniably pleasurable.

"Who knew how desperate you are for my cock," she said with a smirk, her words laced with a teasing tone. The rhythm of her thrusts intensified, each motion sending shivers of pleasure through your body. The audible slap of her balls against your clit added a new layer of sensation.

The bed frame began to knock against the walls with the force of her powerful thrusts. "Shit, Kazuha, just like that, baby," you moaned, your body jerking in response to the relentless motions of her vigorous thrusts.

"Next time, don't be a brat, baby. I won't be as forgiving," she said venomously, her thrusts growing harder and faster, eliciting screams of pleasure from you. Kazuha then flipped you back onto your back, maintaining the relentless speed of her thrusts. The air was thick with tension, a blend of desire and dominance that fueled the heated encounter between you and Kazuha.

Her cock stretched you just the way you'd always craved, your walls fluttered around her throbbing member, creating a tight embrace that sent shivers down your spine,driving you to cloud nine. Trembling under her, you felt the warmth of your juices dripping onto the bed.

"My baby is so, so pretty, fuck-, underneath me," Kazuha moaned, the raw desire evident in her voice. Her fingers dug into your skin, seeking more leverage, as she continued to thrust with unrelenting passion.

Kazuha reached down to rub your clit, prompting a cry of pleasure to escape your lips in response to the increased sensations from her thrusts. Your cunt throbbed of her relentless pounding. Her tip twitched while skillfully caressing your G-spot, intensifying the pleasure coursing through your body. Your cunt tightened around Kazuha's cock, the powerful thrusts threatening to leave you delightfully raw as the pleasure continued to build.

Kazuha lifted her head, attentively watching your responses to each of her thrusts. With a final roll of her hips, she pushed you over the edge, and you unraveled beneath her, your thighs quivering in pleasure. The intensity of your climax triggered Kazuha's own release. Her hand released your hips and planted itself beside your head. As her head shoved itself in your neck.

"I’m—" Kazuha grunted, her member being embraced by your warm and tight wet pussy. She drove herself deep, her heavy balls filled with cum tightening as she poured everything into you. "Cumming" she breathed out, filling you with her warm and sticky cum. Each twitch of her swollen tip sent warmth spurts deep within you, and your walls clenched so tightly around her that she struggled to contain it all.

Kazuha panted for air, struggling to catch her breath as her heart pounded against her chest. Her cock remained buried deep within your snug walls. As you slowly descended from your high, your hands and breath shaky, you released Kazuha, who gazed down at you adoringly before carefully pulling out.

Kazuha headed to the bathroom, returning with a wet rag to help clean you up. Afterward, she guided you both under the covers, wrapping her arms around you. You were already dozing off, your body faintly trembling in the aftershocks of the intense orgasm.

Leaning down, Kazuha's lips gently pressed against your cheek. "I love you so much, baby. We'll talk about our argument when we wake up from our nap," she mumbled, placing kisses along your jaw and cheeks as she felt you cuddling closer to her. Kazuha wrapped her arms around your waist, eventually succumbing to sleep alongside you.

#bitchiswild #BIW.WRITES #lesserafim kazuha #nakamura kazuha #kazuha x female reader #kazuha x reader #kazuha smut #lesserafim x fem reader #lesserafim imagines #lesserafim fluff #lesserafim x reader #lesserafim smut #le sserafim smut #le sserafim

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if-you-fan-a-fire · 2 years

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“TWO ARE SENTENCED FOR CONSPIRACY,” Montreal Star. October 25, 1932. Page 3. ---- Sentences of one year, and seven months, respectively were imposed this morning on D. J. Haynes and Harold B. Fisk on charges of having conspired to rob the shareholders of the Quebec Gas & Electric Company by Judge Lacroix.

They canvassed a number of shareholders, many of them Roman Catholic clergymen, and induced them to part with their shares, which had a potential value, for shares in new companies which the accused had formed.

#montreal #fraud #conspiracy to defraud #shareholders #stealing shares #fraudulent transactions #fake companies #stealing from priests #sentenced to prison #montreal jail #great depression in canada #crime and punishment in canada #history of crime and punishment in canada

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marygusmans · 2 months

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HeroFX, an online trading platform established in 2021, offers a variety of trading instruments, including forex, indices, shares, futures, crypto, metals, and energies. However, several significant concerns arise due to HeroFX's lack of regulation and legal compliance. The platform is not licensed by any reputable financial authority, which compromises trader security and credibility.

Regulatory Concerns

HeroFX operates without major regulatory oversight, posing significant risks for traders. The absence of licenses from recognized financial authorities means there is no guarantee of fund safety or fair trading practices. This lack of regulation should be a major red flag for any potential user.

User Feedback

A considerable number of negative reviews highlight issues such as difficulties in withdrawing funds, security breaches, and allegations of fraudulent activities. These complaints underscore the potential risks of trading with HeroFX. Problems with fund withdrawals and poor customer support are common themes in user feedback.

Minimum Deposit and Trading Conditions

HeroFX advertises a low minimum deposit of $20 and high leverage of up to 1:500. However, users report unexpected fees and unclear terms. The platform's reliance on cryptocurrency payments raises additional concerns about transaction transparency and security.

Platform Reliability

While HeroFX offers the MetaTrader 5 (MT5) platform, which is popular among traders, technical issues and platform downtimes have been reported. The broker’s lack of regulation further undermines the reliability and security of these trading platforms.

Conclusion

HeroFX’s lack of regulatory oversight, numerous user complaints, and unclear trading conditions make it a high-risk choice for traders. For a detailed analysis and to understand the full scope of potential issues with HeroFX, visit ForexJudge's comprehensive HeroFX review.

In summary, traders are advised to exercise extreme caution with HeroFX and consider regulated alternatives for a safer trading experience. For more in-depth information, read the full review on ForexJudge.

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cessautomation · 2 months

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youtube

Certainly! Here's the article with bullet emojis and a visually appealing style:

HeroFX: A Critical Review

HeroFX, an online trading platform established in 2021, claims to offer various trading instruments such as forex, indices, shares, futures, crypto, metals, and energies. Despite these offerings, significant concerns arise due to HeroFX's lack of regulation and legal compliance. The platform is not licensed by any reputable financial authority, which compromises trader security and credibility.

🔹 Regulatory Concerns

HeroFX operates without any major regulatory oversight, posing significant risks for traders. The absence of licenses from recognized financial authorities means there is no guarantee of fund safety or fair trading practices. This lack of regulation should be a major red flag for any potential user.

🔹 User Feedback

🔹 Minimum Deposit and Trading Conditions

🔹 Platform Reliability

🔹 Conclusion

This format provides a clear, structured, and visually engaging presentation of the article.

Visit for more information:

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forexjudge · 2 months

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HeroFX Review HeroFX, an online trading platform established in 2021, claims to offer various trading instruments such as forex, indices, shares, futures, crypto, metals, and energies. Despite these offerings, significant concerns arise due to HeroFX's lack of regulation and legal compliance. The platform is not licensed by any reputable financial authority, which compromises trader security and credibility.

Regulatory Concerns HeroFX operates without any major regulatory oversight, posing significant risks for traders. The absence of licenses from recognized financial authorities means there is no guarantee of fund safety or fair trading practices. This lack of regulation should be a major red flag for any potential user.

User Feedback A considerable number of negative reviews highlight issues such as difficulties in withdrawing funds, security breaches, and allegations of fraudulent activities. These complaints underscore the potential risks of trading with HeroFX. Problems with fund withdrawals and poor customer support are common themes in user feedback.

Minimum Deposit and Trading Conditions HeroFX advertises a low minimum deposit of $20 and high leverage of up to 1:500. However, users report unexpected fees and unclear terms. The platform's reliance on cryptocurrency payments raises additional concerns about transaction transparency and security.

Platform Reliability While HeroFX offers the MetaTrader 5 (MT5) platform, which is popular among traders, technical issues and platform downtimes have been reported. The broker’s lack of regulation further undermines the reliability and security of these trading platforms.

Conclusion HeroFX’s lack of regulatory oversight, numerous user complaints, and unclear trading conditions make it a high-risk choice for traders. For a detailed analysis and to understand the full scope of potential issues with HeroFX, visit ForexJudge's comprehensive HeroFX review.

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aadamkempfitness · 2 months

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HeroFX Review: A Comprehensive Look at the Alleged Forex Scam

In the vast and often volatile world of forex trading, the presence of unscrupulous brokers is a constant threat to both novice and seasoned traders. HeroFX, a broker that has recently come under scrutiny, is the subject of many discussions and concerns. This review delves into the various aspects of HeroFX to determine whether it is a legitimate broker or a potential scam.

Background and Overview

HeroFX claims to offer a comprehensive trading platform with a wide range of assets, including forex, commodities, indices, and cryptocurrencies. Promising competitive spreads, high leverage, and a user-friendly interface, HeroFX aims to attract traders looking for a reliable trading experience.

Regulation and Licensing

One of the primary red flags for any forex broker is the lack of proper regulation and licensing. HeroFX is reportedly not registered with any reputable financial regulatory authority. This absence of regulation means that traders are not protected by any governing body, increasing the risk of fraudulent activities and loss of funds.

Trading Platform and Tools

HeroFX offers its own proprietary trading platform, which is marketed as intuitive and feature-rich. While the platform appears to be functional, there have been numerous complaints about its reliability and execution speed. Some users have reported significant delays in order execution, leading to potential losses.

The broker also provides various tools and resources for traders, such as educational materials, market analysis, and trading signals. However, the quality and accuracy of these resources are questionable, with many users alleging that the information provided is often outdated or misleading.

Customer Support

Effective customer support is crucial for any forex broker, especially when dealing with complex financial transactions. HeroFX has received mixed reviews in this area. While some traders have reported satisfactory interactions with the support team, many others have experienced long wait times, unhelpful responses, and unresolved issues. This inconsistency in customer service further undermines the broker's credibility.

Withdrawal and Deposit Issues

One of the most significant concerns surrounding HeroFX is the difficulty many traders face when trying to withdraw their funds. Numerous complaints highlight delayed withdrawals, with some users claiming they never received their money. This pattern of behavior is often indicative of a scam broker, as legitimate brokers prioritize transparent and efficient fund transfers.

Additionally, the deposit process has also raised suspicions. HeroFX allegedly encourages large initial deposits and offers enticing bonuses that come with restrictive terms and conditions, making it challenging for traders to access their funds.

User Reviews and Complaints

A cursory glance at various online forums and review sites reveals a plethora of negative feedback from traders who have used HeroFX. Common grievances include:

Unresponsive or hostile customer service.

Manipulated trading conditions leading to unexpected losses.

Inability to withdraw funds.

Suspiciously positive reviews that appear fabricated.

These recurring themes paint a concerning picture of HeroFX and suggest a pattern of unethical practices.

Conclusion

In conclusion, while HeroFX presents itself as a reputable forex broker with attractive features, the overwhelming evidence points to the contrary. The lack of regulation, persistent withdrawal issues, and numerous negative user reviews all indicate that HeroFX may not be a trustworthy broker. Traders are advised to exercise extreme caution and conduct thorough research before engaging with this broker. In the unpredictable world of forex trading, it is always better to err on the side of caution and choose a broker with a proven track record of reliability and transparency.

For more check out this article: Herofx-review

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headingalaxys-spicy · 2 months

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About citizenship post what if they don't know they're being used

How about they get married and after darling get citizenship she wants to divorce them?

I’ll be frank right now, dear reader: YOU AIN’T getting that divorce.

But let’s break down how that happens. (Also probably not my best work but here we go. I didn’t want this sitting in my ask box forever in purgatory)

America

You’re going to have to be a stellar actor/actress because that's a facade that will be difficult to maintain if you don’t love him. He does demand a lot of affection from you & just because he’s bubbly most of the time does not mean he lacks a bullshit detector.

Alfred will want to know what's up & why you’re being so cold towards him. If you’re unable to dispel his doubts, he’ll know that divorce is a possible outcome. Before you can even get to that, he’s going to play mind with you. He will be hot & cold. Alfred will say offhanded and unprompted things like:

“You know it's a shame that this one married partner here wasn’t able to naturalize since they divorced so soon… & it was later found out the marriage was fraudulent.” A playful hand wandered up your arm as he got close to your ear and said:

“Then they were arrested and deported.”

That sent fire to your ears. Fear rushes into your heart, making it run at high speed. An ice bucket splashed over your head, sending a shockwave down your spine.

‘Deported?’ Not after all of your hard work….effort…and being able to manage a man while fun to be around; you knew he had a terrifying underneath even though he doesn’t usually let it show.

“Living with you is like a daydream Y/N. I never want it to end.” As he places pointed kisses at your cheek.

He’s toying with you. Making sure you stay on edge.

If you do somehow manage to fool him long enough to get divorce papers served to him….OOOOOHHHH boy, there will be hell to pay. You’re going to be hunted down. Your lawyer who assisted you will be given an undisclosed sum to throw your case out & forget they ever met you.

England

When the papers have been served Arthur’s blood will be boiling like the water he uses to make his tea.

There are many factors to the visas but I’ll stick with the two that are the most important.

The Indefinite Leave to Remain (ILR) & the Spouse Visa.

You have to obtain the Spouse Visa first before you can obtain the (ILR) status.

Your ability to stay will be dependent on your marriage, and he will make sure that you don’t even know what your (ILR) status is. Arthur has always liked having the upper hand. He’ll maintain it by monitoring you constantly.

There will be trackers in your car, and he will keep close eyes on your browsing history, credit/debit card transactions, etc. He may even lightly interrogate you over afternoon tea if he feels you are beginning to stray away from him. Since you’re in a different country from all of your close bonds (friends, family, co-workers, etc.), isolation is relatively easy. He’s also going to demand that you spend more time with him so that the relationship can work. Depleting most if not all social time with others you have in England. You won’t have time to build bonds to talk to others and maybe catch red flags that would go unnoticed.

You will be blamed for any of the issues you have within your marriage or your feelings will be undermined.

“Y/N darling! You’re overreacting! It’s just a cat! We can always get another! You smothered it too much that’s why it’s run off!” He’ll kiss your forehead in an attempt to comfort you and then continue to tell you why you’re weak and failing to uphold your part in the marriage. Of course, he’s not going to take responsibility for the short comings in the relationship; that’s what he’s married you for.

And if you try to run away: Congrats his secret agents will be all over you within mere hours. It won’t be long till you’re brought back to him. Then it will be a long time before you see the light of day ever again.

France

He’d done all that he could so that getting a “visa de long sejour valant titre de sejour” (VLS-TS) was seamless & easy for you. Francis also ensured that you were aware of the renewal dates, had the money you needed, insurance, and whatever demands the French government had in order for you to stay in his country, he ensured you could meet them exceptionally. So when he receives divorce papers on his desk…tears, apologies, fancy dinners, flowers, and make-up sex will be among his first line of defense to make you stay.

Francis will do anything for you to reconsider your decision to divorce.

He will interrogate you on what he’s not doing right.

Was their a habit that he had that displeased you? He can change!

Is it his performance in bed? He can do better! He can learn!

Not enough kisses to the neck and cheeks? He can do more!

What is it? He NEEDS to know!

Francis will corner you in the kitchen as you’re making your morning coffee.

“Y/N please….” He approaches you from behind and brings you into a hug. “What has made you this way? What did I do? Was it something I said?”

Francis is going to want to get to the bottom of what made you want the divorce. He will force you into couples therapy. Yes, it will be a therapist who has some unscrupulous morals. They’ll tell you why you should stay together and how the two of you are “Perfect” and “Soul Mates”. The therapist will gloss over any complaints you may have during the session & that you be okay with Francis’ Yandere tendencies.

Germany

12-Weeks, like all the others, is how long it will take to obtain your visa. You’d been fully integrated into his structured lifestyle that he’s slightly adjusted to accommodate you. Normally, he’s up at 5 am to go for his early morning jog to 6 am. He will help you make coffee just so you’d be able to get more accustomed to being up so early.

Since you must function within his rigid structure, you’ll have to be sneaky in various ways.

Emotionally, it's the delicate way you treat him, take care of him, make promises you keep or don’t keep, and hug and kiss him that matters. If subtle changes compound over time, he will inquire about them at some point if he feels that the changes have become too great. He will interrogate you about it while you’re vulnerable, like in his lap, and he has a death grip on your thighs.

Physically, I know I mentioned hugging and kissing already, but how intentional, how often, and how much passion there is? He will notice the lack when it comes to you not feeling it in bed. He will pause in whatever the two of you are doing & will ask “What’s wrong Y/N?” while his stony cold blues will pierce your eyes. If you don’t have a satisfactory answer you will be handcuffed to the bed as he will search the room for evidence of infidelity & divorce papers.

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