Health Tips for a Better Life

Using your sense of spirituality can help you solve your foreclosure. Spirituality can help you solve many of life’s problems by tapping into your inherent ability to connect with the cosmic universe to receive the answers that you are seeking. With rising prices, our currently bad economic crisis and rising unemployment rates, many find themselves facing financial problems; including the epidemic of foreclosures in the United States.

If you are reading this article you have been lead here spiritually in order that you may tap into the universal consciousness to receive the answers and options that you are seeking that will solve this problem. This foreclosure strategy is your “GIFT FROM GOD”, will you accept it?

Spirituality entails having faith in receiving the answers that you seek. However, it is up to you to recognize when the answers are being revealed to you. You must cultivate a sense of knowing that what you need is already given to you.

Spirituality is about knowing that you are already blessed and that you will be taken care of and given what you need to succeed in any endeavor. This article will reveal options to you that you can use to stop your foreclosure dead in its tracks. This little-known option is available to you and will help you solve your foreclosure dilemma immediately.

By implementing this foreclosure strategy which is in full compliance with all state and federal laws, you will force the bank to prove that they are the rightful owner of your mortgage loan, which will usually take several months to many years. You could, in fact, end up owning the property free and clear. However, you must take a stand and decide to fight back.

As you know many of the banks and financial institutions have recently been accused of using faulty documentation and/or illegal tactics. Certain banks and financial institutions have even had to halt foreclosing on homes altogether for a time.

You can now take advantage of this legal loophole. Instead of being taken advantage of by money hungry banking and financial institutions you can now take advantage of the legal loopholes that will catapult a stop to your foreclosure fast.

I am not going to go into the mechanics of the program here because it is well documented elsewhere. However, I am writing this for those who are my subscribers and for those who may be currently facing foreclosure and who have been spiritually looking, hoping and searching for a way out of this foreclosure snare.

I personally recommend this source and I am personally aware that this foreclosure defense has held off the bank or financial institution from foreclosing on a property located in Las Vegas, Nevada for over 4 years. When implemented correctly and with patience and care, using this legal strategy also keeps your credit intact in case you are planning to purchase another home now or in the near future.

I am further personally aware of a situation in Florida where this legal maneuver was used and the property was actually given back to the homeowner free and clear. This is a spiritual gift that I am offering my readers and subscribers — so take advantage of it because it is available to you to help you save your property.

One of my favorite passages from the Bible is Matthew 6:25.26,27,28,29,30, 31,32,33 which states, ‘Therefore I say unto you, Take no thought for your life, what ye shall eat, or what ye shall drink; nor yet for your body, what ye shall put on. Is not the life more than meat, and the body than raiment?

Behold the fowls of the air: for they sow not, neither do they reap, nor gather into barns; yet your heavenly Father feedeth them. Are ye not much better than they? Which of you by taking thought can add one cubit unto his stature?

And why take ye thought for raiment? Consider the lilies of the field, how they grow; they toil not, neither do they spin: And yet I say unto you, That even Solomon in all his glory was not arrayed like one of these.

Wherefore, if God so clothe the grass of the field, which today is, and tomorrow is cast into the oven, shall he not much more clothe you, O ye of little faith? Therefore take no thought, saying, What shall we eat? or, What shall we drink? or, Wherewithal shall we be clothed?

(For after all these things do the Gentiles seek:) for your heavenly Father knoweth that ye have need of all these things. But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.’

If you have found yourself contemplating a way out of your foreclosure dilemma and have been visualizing that your foreclosure situation has been resolved — then you must take a look at the program that I am introducing to you. Go now and check it out and you can come back and thank me later!

Nowadays, there are so many ways that an individual or personal can do to get the funding help. In addition to get the money lends by the bank is quite difficult, the people now are preferred to get the personal loans by visiting the financial institution. The today’s people prefer to get the personal cash advance to help them in fulfilling their need of money in urgencies. As you know, we will never know why we can face the difficulties to get money for urgent situation, such as for the children tuition’s fees, for hospital cost, or additional needs that come unexpectedly.

As said at payday loans online hub, you can get the loans from many financial institutions. One of the type of loans is commonly easy to be got is the payday loans online. Payday loans online is quite well known among the borrower. Why? It because while choosing this payday loans to fulfill their need in urgencies, they will not try to trapped their self in getting troublesome by losing the assets. Some of the people who try to collate their valuable goods to the pawnshop will collate their assets. So, it is too risky to be done. While payday loans, this will not need the collateral. They only need the personal account checking and knowing the salary every month. So, you have to choose the right payday online loans company. Commonly, the bad payday loans company will charge you with many costs, and then they only use the fake promotion to get the customer. You can use the web service that can compare several payday loans company. All the company that engaged in the payday loans is increasing their ability in servicing the borrower by providing the online payday loans. Applying the payday loans is the simplest thing ever. You do not need to com to the office to handle or process it all. So, you only need to open the web and apply it via online. And the company will follow up your registration.

Payday loans online hub is also providing other solutions for the financial problem, such as personal cash advance. You will know it all by opening the web page. There you can wider your knowledge about financial and how to use it effectively as the additional fulfillment. So, try it now, and make your life better by finding the best financial source. Have a try soon!

Discuss with restructuring Greece’s debt is improbable to fix this country’s financial issues

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SOVEREIGN-DEBT restructuring can be a common account for the third world but the much developed economies as the results of the WWII. European politicians have anxiously attempted to preserve that history by giving bail-out capital to troubled euro-area members. Sheltering these types of debtors in the markets offers them room to correct their own financial situation, the discussion goes. Significantly, still, the action appears right up. However the actual issue is when the euro-area dilemma started, in Greece.

The Greek government nevertheless declines every intent to restructure their financial debt. The European Central Bank (ECB) will be adamantly contrary, worrying chaos involving European financial institutions subjected to these nations involved. However the motion restructuring are getting pored in Europe and also at the IMF. In Germany each Wolfgang Schäuble, the finance minister, as well as Werner Hoyer, minister for European matters, triggered consternation recently through publicly increasing the potential of a financial debt restructuring. Markets go through: ten-year Greek government-bond promise strike a euro-era record of 14.6% on April nineteenth. Credit expenses with regard to different countries elevated, as well, Spain’s one of them.

How come this change in atmosphere? This schedule put down in Greece’s relief plan in May 2010, that supplied €110 billion (5 billion) in assistance using their company euro-area nations and the IMF, wants this to boost about 50 % the loans necessity in 2012 in order to come back completely towards the markets in mid-2013. Along with yields when they’re, along with Greece’s financial debt problem nearing 150% of Gross domestic product that appears a lot more unlikely. This result usually nations such as Germany encounter the chance of an additional cash to maintain Greece adrift. That appears politically horrible. Let alone that German banks take advantage of Greece’s chance to maintain shelling out dues: German taxpayers dislike the thought of once again bailing out Greeks. A fresh strategy thus remains required.

Theoretically, there exists a range of choices, through stretching maturities in order to write-downs about the price of the debt. It assists in which Greece is loaded with lots of lawful wiggle-room. In several emerging-market crises, bonds experienced rigid shields to safeguard overseas lenders that might struggle their own situation in Anglo-Saxon areas. That’s one because Argentina’s restructuring in 2001 ended up being so confused. Regarding Greece, in between 80% and 90% of the bonds happen to be written within local regulation. This document tends to be brief, usually a couple of pages, and enforce no actual limitations in restructuring. With a workshop this month in Florence, Mitu Gulati, the law mentor at Duke University, as well as Lee Buchheit, the sovereign-debt expert at the New York law firm, asserted that the high, condition of, had been legally doable.

Used, the choices tend to be more restricted. Greece remains managing a main debt (for instance, eliminating interest rates) and can have to take a loan as it may be. Consequently this alternative is going to be one which matches European policymakers. Many keep worrying about the result of the cuts regarding banks’ balance-sheets: Lorenzo Bini Smaghi, an associate of the ECB’s executive board, lately offered caution that this type of shift might reduce a sizable area of the Greek banking system that is seriously subjected to a unique government’s financial debt. EU leaders also have in the past pledged that private lenders won’t experience the involuntary financial debt restructuring till mid-2013, once the European Stability Mechanism, a lasting bail-out fund, renders appeal. The German ministers got obvious that whatever they think had been a voluntary offer.

Experts jeer thinking of the restructuring to be genuinely “voluntary”. The greater lenders may figure out conditions, the unlikely it’s that Greece’s debt problem is going to be materially reduced. Which is one cause the thought of retiring Greek financial debt by way of bond buy-backs in latest, miserable costs appeared going to fall short: it might merely generate costs back again, busting the objective. In which choices aren’t available. However a different, “reprofiling” of bonds, has been currently deemed.

With reprofiling, the Greek government might still pay deals on bonds and to cash in these once they arrive, however the maturation of every bond could be prolonged. That might delay the requirement for additional taxpayers’ bucks in order to remortgage Greek financial obligations. Since the charges as well as the principal of financial loans might certainly honored, it could likely to end up suitable to help lenders, particularly banking institutions as their main priority would be to prevent write-downs on bonds they’re presently keeping into their banking books at par. Reprofiling is assumed improbable to help bring about obligations in credit-default trades. And has now labored prior to. 2003 Uruguay gained permission from the bondholders to increase the debt maturities through 5 years, lowering the net current price of their debt by 13%. Uruguay utilized worldwide markets right after eliminating using its lenders.

The Montevideo example

Reviews might be deceptive, nonetheless. Uruguay’s dilemma had been a lot more related to assets: the words desired would be a breathing-space. Greece’s concern is among solvency. Once the bail-out strategy has been created this May, Greek debt has been considered to occur to be of Gross domestic product by the end of 2009. In which quantity was probably modified up to 127%. That proportion delivers because increased towards 145% afterwards created by this past year. Even with the exacting budgetary retrenchment in 2010, a shortage is believed to possess the still-huge 10.6% of Gross domestic product a year ago.

Immediately after one year concerning public denials, restructuring is not taboo. Any political figures might choose to gentle alternative of reprofiling however these financial aspects denote a nastier remedy: a sharp write-down within the much wider deal of reforms. This situation of local banks might be resolved thru recapitalization by way of worldwide resources, those exposures of European banks simply by private equity-raising. An effective way is actually by law doable as well as financially required. The thing that inhibits this is actually political inefficiency.

Purchase scams
spamming them and directly asking them if they can ship to them using credit cards to pay.
An example of such email is as follows:
From: XXXXXX XXXXXX [XXXXXXX@hotmail.com] Sent: Saturday, October 1, 2005 11:35 AM Subject: International order enquiry
Goodday Sales, This is XXXXXX XXXXXXX and I will like to place an order for some products in your store, But before I proceed with listing my requirements, I will like to know if you accept credit card and can ship internationally to Lagos, Nigeria. Could you get back to me with your website so as to forward you the list of my requirements as soon as possible. Regards, XXXXXX XXXXXX, XXXXXXXX Inc. 9999 XXXXX street, Mushin, Lagos 23401, Nigeria Telephone: 234-1-99999999, Fax: 234-1-9999999, Email: XXXXXXXXX@hotmail.com
Most likely, a few weeks or months after the merchant ships and charges the Nigerian credit card, he/she will be hit with a chargeback from the credit card processor and lose all the money.
Counterfeit Postal Money Orders
According to the FBI and postal inspectors, there has been a significant surge in the use of Counterfeit Postal Money Orders since October 2004. More than 3,700 counterfeit postal money orders (CPMOs) were intercepted by authorities from October to December 2004, and according to the USPS, the “quality” of the counterfeits is so good that ordinary consumers can easily be fooled.
On March 9, 2005, the FDIC issued an alert stating that it had learned that counterfeit U.S. Postal Money Orders had been presented for payment at financial institutions.
On April 26, 2005, Tom Zeller Jr. wrote an article in The New York Times regarding a surge in the quantity and quality of the forging of U.S. Postal Money Orders, and its use to commit online fraud. The article shows a picture of a man that had been corresponding with a woman in Nigeria through a dating site, and received several fake postal money orders after the woman asked him to buy a computer and mail it to her.
Who has received Counterfeit Postal Money Orders (CPMOs):
Small Internet retailers.
Classified advertisers.
Individuals that have been contacted through email or chat rooms by fraudsters posing as prospective social interests or business partners, and convinced to help the fraudsters unknowingly.
The penalty for making or using counterfeit postal money orders is up to ten years in jail and a US,000 fine.
Online automotive fraud
There are two basic schemes in online automotive fraud:
A fraudster posts a vehicle for sale on an online site, generally for luxury or sports cars advertised for thousands less than market value. The details of the vehicle, including photos and description, are typically lifted from sites such as ebay motors or Autoscout24 and re-posted elsewhere. An interested buyer, hopeful for a bargain, emails the seller, who responds saying the car is still available but is located overseas. He then instructs the buyer to send a deposit via wire transfer to initiate the “shipping” process. The unwitting buyer wires the funds, and does not discover until days or weeks later that they were scammed.
A fraudster feigns interest in an actual vehicle for sale on the Internet. The “buyer” explains that a client of his is interested in the car, but due to an earlier sale that fell through has a certified check for thousands more than the asking price and requests the seller to send the balance via wire transfer. If the seller agrees to the transaction, the buyer sends the certified check via express courier (typically from Nigeria). The seller takes the check to their bank, which makes the funds available immediately. Thinking the bank has cleared the check, the seller follows through on the transaction by wiring the balance to the buyer. Days later, the check bounces and the seller realizes they have been scammed. But the money has long since been picked up and is not recoverable.
In another type of fraud, a fraudster contacts the seller of an automobile, asking for the vehicle identification number (VIN), putatively to check the accident record of the vehicle. However, the supposed buyer actually uses the VIN to make fake papers for a stolen car that is then sold.
COUNTERFEIT CASHIERS CHEQUE SCAM: This recent scam has been reported in Atlanta and Minneapolis. Real estate property owners placing advertisements on Craigslist or rent.com receive an e-mail response from a “24 year old in the U.K. on a research program in the United States”. Addresses include john.yearwood__@yahoo.co.uk and kevin_taylor@excite.com.
The first inquiry seems legitimate. The second usually comes with request for more information, and a bogus attachment from JAPAN TOBACCO INC (who has posted information about this scam on its site) indicating that the “student” has won a part time scholarship from the JT UK office. The scam comes with the third e-mail, a request for name and address so that the counterfeit cashiers cheque can be sent. The amount supposedly includes the rent and fees plus an overage for the “student’s” travel.
The owner is instructed to cash the cheque and wire the difference back to the student so that they can travel to the U.S. The photos often include a young man in graduation uniform from his college (Note: U.K. colleges are the equivalent to high schools, not universities. One photo includes a rather dumpy, depressed looking girlfriend who must be aware of the scam). Because of the lag between the cashing and clearing of the cheque, the owner does not realize he/she has been had until their account is debited the counterfeit cost and the wired sum. Greedy owners may even decide to keep some of the cheque, only to be had themselves later. It is best not to respond to this type of e-mail and requiring background checks before cashing first rent payments.
Cash the check system
In some cases, fraudsters approach merchants and ask for large orders: ,000 to 0,000, and agree to pay via wire transfer in advance. After brief negotiation, the buyers gives an excuse about the impossibility of sending a bank wire transfer. The buyer then offers to send a check, stating that the merchant can wait for the check to clear before shipping any goods. The check received, however, is a counterfeit of a check from a medium to large U.S. company. If asked, the buyer will claim that the check is money owed from the large company. The merchant deposits the check and it clears, so the goods are sent. Only later, when the larger company notices the check, will the merchant’s account be debited.
In some cases, the fraudsters agree to the wire but ask the merchant for their bank’s address. The fraudsters send the counterfeited check directly to the merchant’s bank with a note asking to deposit it to the merchant’s account. Unsuspecting bank officers deposit the check, and then the fraudster contacts the merchant stating that they made a direct deposit into the merchant’s account.
In other cases, fraudsters approach merchants for smaller orders: 00 to ,000 offering to pay with a check. They send the check and the instructions state that the merchant has to deposit the check, wait for it a couple days to clear and send the “excess” funds vira Western Union money transfer to an account in another country. The fraudsters send fake checks but drawn on the real accounts of large U.S. companies, which will probably clear immediately.
Re-shippers
Re-shipping scams trick individuals or small businesses into shipping goods to countries with weak legal systems. The goods are generally paid for with stolen or fake credit cards.
Nigerian version
In the Nigerian version, the fraudsters have armies of people actively recruiting single women from western countries through chat and matchmaking sites. At some point, the criminal promises to marry the lady and come to their home country in the near future. Using some excuse the criminal asks permission of his “future wife” to ship some goods he is going to buy before he comes. As soon as the woman accepts the fraudster uses several credit cards to buy at different Internet sites simultaneously. In many cases the correct billing address of the cardholder is used, but the shipping address is the home of the unsuspecting “future wife”. Around the time when the packages arrive, the criminal invents an excuse for not coming and tells his “bride” that he urgently needs to pick up most or all the packages. Since the woman has not spent any money, she sees nothing wrong and agrees. Soon after, she receives a package delivery company package with pre-printed labels that she has agreed to apply to the boxes that she already has at home. The next day, all boxes are picked up by the package delivery company and shipped to the criminal’s real address (in Nigeria or elsewhere). After that day the unsuspecting victim stops receiving communications from the “future husband” because her usefulness is over. To make matters worse, in most cases the criminals were able to create accounts with the package deliverer, based on the woman’s name and address. So, a week or two later, the woman receives a huge freight bill from the shipping company which she is supposed to pay because the goods were shipped from her home. Unwittingly, the woman became the criminal re-shipper and helped him with his criminal actions.
East European version
This is a variant of the Nigerian Version, in which criminals recruit people through classified advertising. The criminals present themselves as a growing European company trying to establish a presence in the U.S. and agree to pay whatever the job applicant is looking to make, and more. The fraudsters explain to the unsuspecting victim that they will buy certain goods in the U.S. which need to be re-shipped to a final destination in Europe. When everything is agreed they start shipping goods to the re-shipper’s house. The rest is similar to the Nigerian Version. Sometimes, when the criminals send the labels to be applied to the boxes, they also include a fake cheque, as payment for the re-shipper’s services. By the time the cheque bounces unpaid, the boxes have been picked up already and all communication between fraudster and re-shipper has stopped. Here’s an example recruiting email received via SPAM on Oct 2, 2007:
XXXXX Inc. invite residents of the various countries to cooperation. We found your resume on some Job Website because we are searching for reliable professionals or your information has been passed to us by your friends/relatives. Our clients need to accept goods from the various countries. Therefore we creating a network of regional agents which functions are reception of goods and further transferring goods to our shipping managers. We pay you 40$ per received package. We guarantee worthy payment of your work. This job is for you If you want to earn from 0 to 0 per week and work Only 2-3 hours then! This job requires punctuality, good organizational skills and proficiency with Microsoft windows and office programs to maintain inventory and fill forms if necessary. This job is ideal for: housewives, students, older persons, people with restrictions. No money needed to start. This is a business requiring only limited amount of your time. Requirements: 1. A computer with access to the Internet, e-mail 2. We don’t work with persons under 18 3. 1-3 hours free during the week 4. Check your e-mail several times a day (each hour is perfect) 5. Reply to e-mails immediately 6. PayPal account to receive payments (optional, WU is also accepted) 7. Be responsible, hard working and communicable We offer competitive compensation, including commission and expense reimbursement. Please send your resume to xxxxxxxxxxx.com Thank You XXXXXX XXXXXXX Manager XXXXXXX Inc.
Known Scams
There is a sophisticated scam from D.Mancene (stands for Diane Mancene) which is currently circulating. It asks you to receive money in your bank account and deduct 10% as payment. Obviously this is a scam however it is very sophisticated employing their own website, http://www.ii-holding.com/index.html, giving the guise of a professional place. Do not be fooled. This is a phishing scam.
Chinese version
This is a variant of the East European Version, in which criminals recruit people through spam. The criminals present themselves as a growing Chinese company trying to establish a presence in the U.S. or Europe and agree to pay an agent whatever the unsuspecting victim is looking to make, and more. Here is an example of a recruiting email:
Dear Sir/Madam, I am Mr. XXX XXX, managing XXXXXXXXXXX Corp. We are a company who deal on mechanical equipment, hardware and minerals, electrical products, Medical & Chemicals, light industrial products and office equipment, and export into the Canada/America and Europe. We are searching for representatives who can help us establish a medium of getting to our costumers in the Canada/America and Europe as well as making payments through you to us. Please if you are interested in transacting business with us we will be glad. Please contact us for more information. Subject to your satisfaction you will be given the opportunity to negotiate your mode of which we will pay for your services as our representative in Canada/America and Europe. Please if you are interested forward to us your phone number/fax and your full contact addresses. Thanks in advance. Mr. XXX XXX. Managing Director”
Australian version
In the Australian version, the U.S. company is contacted by a potential customer stating they would like to place an order with their company. The first initial email represents the “Direct Solicitations” outline. Once the company responds and verifies that the desired product(s) is in stock, the fraudster will then ask to quote shipping to Australia, and that they will be paying via credit card. Once the quote has been sent to the fraudster, the fraudsters will then reply back that they will have their U.S. agent or freight representative come to the location and pick up the merchandise, and then they will ship it to the fraudster. The fraudster then tells the company to simply add an additional charge of 0 00 onto the total cost, which will be their “agents” compensation fee. And that when the person is to arrive to pick up the parts, that the amount charged be paid to their agent. There will also be an additional compensation fee added in too for the company, for the extra trouble of paying their agent the money. The reasons range from the agent or freight company only accepts cash or the company is unable to process credit cards. Once the fraudster is told it will not be done, the communication between them and the company will stop immediately. There are also many grammar and spelling mistakes in the communications. Here are two variations of what the re-shipper email will look like:
Example one
Dear XXXX, Thanks for the total quote of my order. The total cost of my order is quite correct and okay by me and I’m ready to pay the bills. I shall inform my freight forwarder who will be coming to pick up the order to hold on and come immediately you inform me that the items are ready for pick up then i can give you a call on that day to get the items packed for pick up and they will call you on their arrival at your address. Also I want you to help me Charge another 00.00 from my card to the shipping agent who will be coming to pick up my ordered items from you. The 00.00 that will be sent to the freight forwarder is for the shipping of my order and other items i ordered from different part of the country which is to be picked up by him and should be deducted from my credit card. Also, I’m compensating you with the sum of 0.00 for the transfer fee and for your efforts. Please note that i should have given the shipping agency my credit card for him to deduct the shipping funds but he told me that he doesn’t have the facilities to charge or debit credit card, so that’s why i bring my vote of confidence in you and i want you to assist me in this measure, so i want you to transfer the funds to him after you have make the charges and the money charged from my credit card is in your account,then you can now make the transfer to the agent via western union. i will have love to do this my self but there are no western union here around me cos i am out of town to monitor my estate construction at a remote village,So the charges you’ll make on my credit card will be Order Fee: 3,114.61 Agent fee with shipping fare: ,200.00 Transfer Fee plus Your Compensation: 0.00 Total: 64.61
Note that my credit card will be charged for the amounts above. Please do get back to me if you are in the office right now so that i can forward my credit card details to you, then you can charge the funds I await your quick response. Kind Regards.
Example two
From: XXXXXX Sent: Tuesday, December 4, 2007 4:40 PM To: XXXXXX Subject: RE: mail oder – don’t worry i will give you 0 for the stress and you can charges the money and send the money with the US what about that so let me hear from you today
XXXXX wrote: xxx, We will not be able to transfer the extra 0 to your agent. We can charge you for the motors, however, we have them at two different warehouse locations. What you have your agent do is up to you, we can either will call the motors at each warehouse for him to go and pick them up, or have them shipped to his U.S. address. However, if we do have them shipped to his location, shipping charges will apply, and then I suppose you can deduct that from the 0 you would send to him to come and pick them up. Either way you handle it, the motors are in stock and available for purchase.
From: XXXXX Sent: Tuesday, December 4, 2007 4:28 PM To: XXXXXX Subject: RE: mail oder – What i just want you to know is that i will forward my credit for the bill tomorrow to charges and you will charges extra 0 usd to my agent that will come over there to pick up the goods so let me know if you can charges extra 0 then send it to him via western union money transfer
Example three
Hello xxxxx, I am interested in purchasing some of your products, I will like to know if you can ship directly to Australia, I also want you to know my mode of payment for this order is via Credit Card. Get back to me if you can ship to that destination and also if you accept the payment type I indicated. 37 O’Connell Street North Melbourne Victoria 3051 AUSTRALIA Phone:(613) 9329 65433 Fax: (613) 9329 65434 Email(brysuppliersworldwide@gmail.com) Kindly return this email with your Website. I await your quick response. Kind Regards. managements
Call tag scam
The Merchant Risk Council reported that the “call tag” scam re-emerged during the 2005 holidays and several large merchants suffered losses. Under the scheme, criminals use stolen credit card information to purchase goods online for shipment to the legitimate cardholder. When the item is shipped and the criminal receive

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