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‘Twas a few days before Christmas …

December 22, 2007

And all though the Internet, not a phisher was sleeping.

Identity thieves and other assorted criminals don’t take the holidays off. In fact, they shift into high gear, hoping that in your haste you’ll slip up and hand over just what they want. For phishers, that’s your personal and financial data.

My spam filter does a good job of disposing of most of the malicious trash e-mail sent my way. But a few always make it through. I usually just delete them without reading. And even when I do occasionally open one, I never, never, ever open any attachment.

The one below, from "ALPHA FINANCIAL CONSULT. LONDON, U.K.," arrived yesterday. And I decided to give it a quick look:

We wish to notify you again that you were listed as a beneficiary to the total sum of £6,000,000.00 GBP (Six Million British Pounds) in the codicil and last testament of the deceased. (Name now withheld since this is our second letter to you).

We contacted you because you bear the surname identity and therefore can present you as the beneficiary to the inheritance.

We therefore reckoned that you could receive these funds as you are qualified by your name identity. All the legal papers will be processed upon your acceptance.

Upon your acceptance of this deal, we request that you kindly forward to us your letter of acceptance, your current telephone and fax numbers and a forwarding address to enable us file necessary LEGAL documents in your name at our high court probate division for the release of the fund in question.

Please contact me immediatley (sic) so that we can get this done immediately.

So what made this stand out? The fake "Director" of the equally fake "Alpha Financial Consult. London, U.K." who sent me the message with his "Kind regards" was a Mr. Clement Moore.

Santa_and_sleigh_2
If you want to read some much more appealing seasonal fiction from the real Clement C. Moore, click here.

And, to borrow a phrase, "Happy Christmas to all, and to all con artists, good riddance and a good-night!"

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TAX-SAVVY WAYS 
TO WRAP UP 2026

It’s over! With October’s extended filing deadline behind us, it is now time to focus on year-end moves to reduce your 2026 tax bill. 

You’ll find ways to do just that on the Tax Tips page (see the More Tax Posts drop-down menu at the top of the blog), as well as the separate tax tip pages for each month, notably October through December. If you’re on the Tax Tips page, you’ll find a monthly list at the end of this column. If you’re on another blog page, you can head straight to the October tips; at the bottom of that tips page you’ll find links to all the other 11 months’ collections of tax advice.

Not to spoil what you’ll find in that tax advice, but it does cover such things as tax deductions for charitable donations, investment moves that could reduce tax due, and ways to max out your tax-favored retirement savings. 

Finally, as the year winds down, things get hectic. There are lots of other things to occupy our time, like the much more fun upcoming holidays. But don’t lose sight of taxes, since timing is key. To be of use, most tax moves must be made by the end of the tax year. That’s Thursday, Dec. 31, which also is the last business day of the year. 

So that you don’t miss that final tax year deadline, also keep an eye on the countdown clock below. It will keep you on top of just how much time is left to make important, tax-saving moves. (Note: I’m in the Central Time Zone, so adjust accordingly for where you live.)

Comments
  • Ever notice how you never get a “first letter” from them so your name is always withheld? Also, if you were named as a total beneficiary, do you think a codicil would suffice? For something that major, a complete rewrite of a will would be appropriate, methinks. But these people never give up.

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