#Start Travel Agency
Explore tagged Tumblr posts
Text
Trip Mega Mart is an IT company delivering website to travel agents all over the world. To make the services better Trip Mega Mart demands their feedback in lieu of the products given. Most of them gives positive feedback and happy with the 24/7 customer support.
#Travel Portal Development Travel Portal Integration#Travel Portal Solution#Whitelabel Travel Solution#Whitelabel Travel Website#White label Travel Portal#White label Portal Development#OTA DevelopmentTravel#AffiliateWhite label Travel Solution#Start Travel Business#Start Travel Agency#Start Travel Portal#Airline GDS Integration
0 notes
Photo
the psychic job market is in shambles
(In a hypothetical future, Tome takes over Spirits & Such after Reigen and Serizawa retire, leaving a reluctant Dimple to make sure that she doesn’t get possessed or killed on the job)
#mob psycho 100#mp100#tome kurata#ekubo#dimple mp100#mp100 fanart#tome is definitely not equipped to run a psychic consult agency#considering that a) she is not psychic and b) has no psychics in her employ#teru used to help out every once in a while on actual ghost cases#but he and mob moved out of seasoning city so he wasn't able to help anymore#ritsu's still around but he refuses to do it on principle#and shou is out travelling the world#so yeah it's basically just her. UNTIL she meets a young esper and the story starts all over again#i have it all mapped out in my head it's really good#and i know reigen and serizawa aren't old enough to retire and on the wages they get will probably never be able to retire#but just pretend. they won the lottery or something idk and were able to retire to the countryside at age 52#they deserve it.#art#my art#weaverofink
307 notes
·
View notes
Text
officially my year of concerts and festivals is over…… taking a break from music journalism to focus on getting a job that actually pays but that i still enjoy and coming back in a few months but only occasionally like i did back in 2022-2023….. very good year learned a lot both good and bad really saw the world from another perspective and grew so much both as a person and professionally….. excited to see where 2025 takes me!!!!!!!!
#also starting this business? w my bf which is what i’ll be focused on in december :)#also leaving the city for a few months…… i need to recharge in my small town#gonna focus on that business + getting a job at a marketing agency/travel agency for now:)#when i’m settled i’ll come back to the city find some other place to live and hope that it can actually be a home#unlike the three places i lived in this year i hope the next becomes home <3#and well. then i’ll do music journalism but only on my free time :)#But! if at some point i got offered a job in the music one that pays well then im in 100% again#i’d love to do this full time 4ever but this just doesn’t pay the rent#anyways! very excited to see what’s next for me!!!!!#already have a couple of options to send my cv to and my cv is also really good so! we’ll see#for nowwwww. just gonna go pickup some christmas gifts and then go home <333
7 notes
·
View notes
Text
astarion's arc mentioning redemption doesn't make as much sense as it seemed it was going to in EA. like Ulma mentioning he might achieve redemption doesn't make much sense now since she's talking about victims he got while being almost literally puppeteered.
Originally it seemed pretty clear we were going to find out some heinous shit he did to the Gur as a magistrate out of his own free volition.
#i also don't think its about his heinousness while travelling with the PC since well. he kinda does nothing if you don't act evil#just all bark and no bite. because larian (sighs) loves player agency too much#so companions don't do anything you don't tell them to do. shucks#i could imagine the original scenario had a better chance at exploring this#because if theres anything that could make a really privileged asshole re-examine their deeds... experiencing that injustice themselves#probably helps#that might be naive or simplistic from me since suffering doesn't really produce epiphanies like that irl i think. but um#i cant picture alive astarion figuring empathy out on his own.#that being said redemption arcs feel kinda overdone so i dont care too much. ulmas comment just made no sense to me#(and the game frames it like shes right for saying this)#on second thought maybe its just a stretch thats referring to his change in worldview where he starts thinking about others. idfk#i agree that's very much in his arc
5 notes
·
View notes
Text
i am fine admitting i have a shameful love of shitty crossover fic in which characters get to show up in media i like slightly less and then one-up all the characters there by being competent badasses in ways you don’t usually get to see bc in their normal universe you’re usually watching from said characters pov. but i absolutely loathe reincarnation fic with the same premise. no i do not want to read about midoriya izuku with sonic the hedgehog’s memories just give me sonic the hedgehog
#yes it is incredibly bad and lame. i love it for being lame. reincarnation fic is just…. why <- INCREDIBLY personal opinion.#if you disagree i don’t care i hope you have fun#i feel similarly with like. time travel fic that sends someone back to the start of the series and then they just negate all the fun parts#of the plot. like cmon just write early series fic . it’s so much fun i promise#outing myself about the superemely dumb thing i like to reread occasionally bc i had like a month of being a bnha fan and i think it’s funny#to read about sonic kicking half that universe’s asses#i think at the core though you need a balance for it to be tolerable . like it can’t all be the guy getting isekai’ed showing everyone up#you DO need to write people in the other universe at least with agency <- there is so much stuff that fails this#not even crossover. it’s just an epidemic in bnha fic. what is up with that#anyway everyone forget that phase happened bc i do and i regret it <3 it’s a lame show lol#i just like putting sonic in weird situations i love dumb fic that puts him in other stories <- storybook series fan
22 notes
·
View notes
Text
2012 Althenea had just finished reapplying the ward on their ramshackle hideaway when the chosen one of their little renegade group popped back into time. She was startled just enough for her eyes to widen at the brunette's sudden appearance, but didn't otherwise let the surprise show or her magic waver. Vi was down for the count on a twin bed upstairs, having trained hard at both martial arts, duel-wielding, and defensive spell casting that day. It was evening - colder than any October this part of Cali had ever seen. Althenea was pleasantly bundled up but shrugged off her insulated snow poncho without reservation in order to cover Buffy's shivering form. Joan felt the electricity in her teeth before the pop of sparks from her time-watch burned her and she hastily scratched and scrambled to get it off, then clutching the poncho tightly around her thin shoulders.
"Damn technobauble!" Joan admonished the watch, before catching Althenea's baleful eye and carefully scooping the thing back up before standing. She blinked. "Um, can't jump for- for a bit." she said apologetically, not expecting an answer from the ex-coven witch.
Althenea wasn't made of steel, though she was indeed known to lack emotion. "It'll do you good to rest before another jump anyway, Buffy." She offered in an altogether flat tone. Still, she put a reassuring hand on Buffy's shoulder and guided her inside. Buffy-Joan-Joan-Buffy. Joan knew her friends here knew her despite the darkened hair and disguise. They wanted Buffy. Joan didn't know how much Buffy still remained in her. So she just nodded at the name and let the older woman lead her. Low, keep your head, keep your head low Oh, you gotta keep your head low Inside, it was clear they'd neglected cleaning cobwebs for training and planning. It was just as well - none of them expected to exist after succeeding. The cobwebs and spiders could take this timeline. As Joan sat on a well-worn recliner that reminded her of a certain someone, she felt the time sickness inside her settle and let her mind rest as Althenea carefully detoxed her from the alcohol with a healing aura. If you wanna keep your head ----- Later on, Joan held her palms to her eyes, and asked about Vi.
"Violet's shown marked increase in ability." Althenea remarked, fixing them some tea. It's what made her more Giles than Dark Willow - despite the depth and breadth of her magical ability. "She's not as strong a slayer as you, not as strong a witch as me. But she's got promise. And with her powers together I'm sure she's capable of anything." She paused to pour the tea. "If it comes to it." Joan raised her head slowly, eyes adjusting to the dim lighting and skin adjusting to the cold. It was colder than the last time she'd left. Sunnydale of the past had been much warmer. In the coldest time of year, why is it so hot down here? "Will it...?" Joan asked meekly as Althenea appraised her, then set a cup in her hands and sat on the recliner's arm rest.
Althenea drank from her own cup, looking far off. "Spike's here, but you stayed dead after the portal. No chip, and he didn't pass on the scythe - he's leading the army in the northeast."
Joan almost dropped her cup to the floor. "So I-"
Althenea reached out to steady the slayer's hold on her tea. "Don't have long until you fade away. We'll fix the watch and send you back again before that."
"Mm." Joan hummed in annoyance. She'd changed enough to change the future this time, but for the worse.
Lover, you were gone so long. Lover, I was lonesome. So I laid a power grid. Think of it as my despair for you! ----- Later still, Joan crept into the bedroom and looked at the younger slayer sound asleep. Vi was nothing like Dawn, but that didn't make the Buffy in her see her as anything less precious to protect. As Joan collapsed onto the other twin bed, she thought of what to do to make this all finally right. And that is the reason we're on this road
#Is this anything?#part 9#Spuffy#except no Spike in this chapter#Next chapter 2012 Buffy/Joan swaps with 2000 Buffy instead of Faith#We gave Spike some agency and started towards power with the chip gone early#and the scythe revealed early#now we gotta jump start some compassion and empathy#Idk what the hell I'm writing it's whatever#maybe someday will edit for a sunnydale after dark or elysian fields near you#buffy the vampire slayer#Time travel hell
3 notes
·
View notes
Text
oh no the character who was comedic relief and silly has transformed in my mind into the most nuanced and mentally ill wet cat in all the land
#deke shaw what have you done to me#he didn't want to help shield but he ended up sacrificing himself so they could get home. he was fully prepared to die for them.#but then he time traveled with them and he got a second chance#and instead of staying in the lighthouse where he knew he would be safe#he chose to go out and see the world before it inevitably cracked apart and killed him#but the planet didnt crack open!!! and he became a capitalist :(#and he built a life for himself outside of the lighthouse but then his best friend turned out to be an undercover shield agent so shield#followed him even when he was trying to distance himself.#don't even Get Me Started on season 7#for deke shaw all roads lead back to the lighthouse. he cant escape that place#he was born there and he will die there. because he is the director of shield. an agency he ran from but couldnt escape#biting gnashign teearing sgkdhsahds;kfjdklshfds#i want to see him crying and bleeding#ill never forgive the show for giving him a favorite food
6 notes
·
View notes
Text
Finally got around to watching Bodies and so far admittedly I like it. The story is intriguing. They are pulling my off each time period well. Also I’m only on episode three but imo so far two points I want to talk about (one is real meta the other is, well, I must mention it)-
Regrettably they are all cops. Fortunately they are all the cops that have some sort of non typical background that makes them outsiders in their eras. 1890 we have Alfred Hillinghead, who is a) kinda just the nicest more actually seems to care guy there; b) closeted queer or realizing it as the show goes on (I have not decided). 1941 we had Charles Whitehead, one of few possibly the only Jewish man on the force? And he clearly has some deep trauma due to the rampant antisemitism of the time; there is a good guy in there but there’s a lot of trauma burying that. 2023 Shahara Hasan, she’s a black Muslim hijabi woman on the police force and she clearly want to make a difference and actually help people -stay with me, we’ll get to if that’s possible. 2053 we have Iris Maplewood, who we know lost her parents due to a nuclear attack in 2023 and has received cybernetics to fix a genetic paraplegia -possibly also from the nuclear attack- and that led to her joining the force (she’s still the most mysterious of the four). She is loyal to the authoritarian dictatorship but also curious and smart enough to realize things are iffy when she stumbles into the plot. Most of them directly disobey superiors to continue their investigations; except Charles, he disobeys for apparently finding a line he won’t cross and discovering he still cares actually (as of episode 3). We quickly see that even if they have the best intentions, all of them are working in a corrupt system. They can not both continue their jobs “the right way” and do what they believe is morally right. Even as cops they are implicitly pushed to do shitty things in service to the job. In 2053 this becomes especially clear. The system is working exactly as intended, in service to the elite above truth, justice, or care for the people they police.
(there is one romance, it’s gay, see below for me having my… listen I’ll summarize. Do YOU like Sherlock/Watson hurt/comfort fic? Then here’s the mini arc for you!)
Many thnx to Alfred’s storyline being the only romance (so far), and it’s with Henry Ashe, the gay socialist photographer/journalist(?) he meets in episode one. Regrettably arrests, he’s ok and gets out fast but yeah not Alfred’s best moment by far. Then, when he is told his case is over is like “hey actually would you help me? I saved this one photo? Sorry the rest got taken and left destroyed.” Which leads to much Henry the moment he sees him going *I know what you are* (actively flirting) and Alfred *the epitome of Victorian gay repression* (keeps coming back anyway /by the way he has a wife and daughter/) becoming best friends in 2 days. Then Alfred gets drugged has the worst night of his life presumably, wakes up, and drags himself to Henry’s apartment. Who then just tenderly cars for him, including pulls his full mattress into the living room half of his flat, and when Alfred asks to be held just chastely cuddles him. And then later when everyone is sober they tenderly fuck. No notes. (Many shows would have tried to play “this straight” and most in the audience would be like “that’s gay” so that they actually decided “yeah! This is gay!” Was a relief.)
#Bodies#I truly love that three of them are trying to be good (in the wrong job for that tbh)#And then Charles is just… he’s taking whatever he can get. He’s depressed. This poor guy. I love him#They are all disasters.#I love them all so much#The time travel stuff is ancillary. Like sure. But can they all get coffee at the end?#With the time travel? Idk?#Start a… idk what maybe pi agency but only for normal people? Instead lr something#They’re in the wrong job. I do not condone#Hopefully it they can fix the future because it seems bad enough that is the point and several other little hints
2 notes
·
View notes
Note
The tattoo literally debunks a lot of dumb theories lol. He wasn't into her, it was pr, she was following him around etc. The fact that the only other names he had tattooed on him is his godchildren and parents.....😯
part of why it makes me laugh is because a certain subsection of people are really, bafflingly angry about it, and i just do not understand, except that they can't stand those theories being consistently proven wrong. it's also not that serious! hot famous people falling in love and making rash decisions is a tale as old as time. he gets tattoos for all sorts of reasons, some are meaningful and some are nonchalant. it's not hurting anyone, as i said to a friend it's HIS body and his decision! if it ever bothers him, he can get it changed, if it doesn't, that's fine too. it's not our business what ink he puts on his skin. let him live!
#i also want to physically fight whoever it is that started this “PR relationship” nonsense on the internet#because it has impacted fans' brains in such a detrimental way#and has gotten us stuck in these weird conspiracy theories all the time#nobody is playing “PR” by being romantically involved with someone/living with them/traveling with them#spending time with their children! for two *years*#it's just like people saying that about taylor and joe or chr*s ev*ns and alba or tom and z or aust*n and ka*a or adam dr*ver and his wife#it's inescapable at this point and highly disconcerting#like fans start to think they have a claim over these peoples' lives while also assuming they really lack that much integrity and agency#i just don't understand it#/ramble#also yes the names he has all have significance and that does in fact say something#anonymous#letterbox#your delicate point of view
3 notes
·
View notes
Text
answering a couple questions i got on this post since i realized ppl genuinely wanna know:
tl;dr:
israel lets very, very little aid get into gaza. even the UN can't get in as much as they want to. funding individual families, gazan led initiatives, and mutual aid collectives operating out of gaza ensures gazans can provide for themselves and pay for the extremely expensive aid that is available.
with all the civil infrastructure destroyed by israel, the situation on the ground has devolved into unrestricted capitalism, driving up the price of aid (that should be free!). this makes it more urgent for people to have funding for daily survival.
the post linked above has examples of how donating to individual families can help a lot. if you want to help more than one family at a time, there are many gazan-led initiatives focusing on rebuilding their infrastructure and distributing aid fairly that are worth donating to instead of large charities that already get the majority of donations.
as i mentioned in the last post: @/careforgaza on twitter is a nonprofit started by gazans, it's been endorsed by multiple palestinian journalists.
the sameer project is a collective organized by diaspora palestinians offering emergency shelter to gazans.
ele elna elak is a project aiming to bring water, food, shelter, etc. to gazans and has been promoted by bisan owda.
and the municipality of gaza itself is fundraising to rebuild water infrastructure.
all of these organizations are active inside gaza right now and are being run by gazans. if anyone knows of other gazan-led mutual aid projects, nonprofits or charities feel free to link them in the notes! hope this helped!
long answers under the cut!
if you wanna donate to a charity that's absolutely fine, but the thing is most charities (and even the UN!) are unable to make it into gaza in the first place, leaving aid rotting at the egyptian side of the border or subject to israeli settler attacks
not to mention, charities and nonprofits also maintain a paternalistic colonial relationship with the indigenous people they are trying to help, determining what aid they need for them instead of returning power to them and letting them make their own choices
i'm not here to say that one option is better than the other, just that they achieve different things and are equally legitimate. there's an attitude among people who question the legitimacy of these gofundme campaigns that somehow the people promoting them are telling them not to donate to charities. nobody is stopping you from donating to charities. we are just asking that you do not dehumanize the very real gazans in your inbox just because their method of asking for aid is more direct and risky.
unfortunately that's exactly what has happened. because israel destroyed all of gaza's more formalized infrastructure, it seems that organized crime and rampant inflation has taken its place. aid is supposed to be free, but in order to save for evacuation or the cost of living, people have started selling them at an inflated price. and aid that is truly free attracts intense, large crowds that are dangerous to navigate.
this was posted on abc a few days ago
it's pure, unrestrained capitalism. i've had multiple palestinians describe this situation to me confidence. that's why everything's so expensive now. why people have to rent out tiny plots of land for their tents to sit on, why my friend @siraj2024 still has to buy tarps to cover the broken windows of the overpriced bombed out apartment he rented, and why a bag of flour can cost a thousand bucks in the north.
even before israel closed and then bombed the rafah crossing, the egyptian hala travel agency was only allowing people to cross the border if they paid a hefty $5000 USD per adult / $2500 USD per child bribe. it denies doing this, but the hundreds of stories from palestinians say otherwise.
with regard to the economy, here in america we saw something similar happen in the wake of hurricane helene and milton. the podcaster margaret killjoy describes how she saw dual economies rise after asheville was fully cut off from the rest of the country - some people offered each other supplies for free in a sort of mutual aid honor system, and some people required payment when they lent supplies because they themselves needed to buy stuff for their families. these dual economies exist in gaza too. and this means they all still need money to survive.
#og#palestine#palestine resources#gaza#free palestine#free gaza#gaza strip#save palestine#i stand with palestine#all eyes on palestine#palestine genocide#gaza genocide#donations
20K notes
·
View notes
Text
#How To Start A Travel Agency From Scratch In 8 Steps (2025)#start travel agency business#how to start a travel agency#how to start travel agency business#how to become travel agent#how to set up a homebased travel agency#become travel booking agent#how to start a travel agency from home#travel booking agent
0 notes
Text
How to Start Travel Agency Business in Dubai
In this blog, we have discussed how to start travel agency business in Dubai. Start any business in Dubai is the best location and if you want to start a travel agency in Dubai, it can be a smart move. For a proper understanding, check out this blog.
0 notes
Text
Ghum India Ghum offers an authentic insight into the art of Indian #cuisine hosted by local families. These #cooking #classes run daily for 3-4 hours each in the morning, afternoon, and evening. #Cookingclasses starting from $25/ INR 2000pp see more at: https://shorturl.at/WoJDK
#Cooking classes starting from $25/ INR 2000pp#Cooking classes in jaipur#Cooking classes in agra#Cooking classes#travel agent in delhi#travel agents in delhi#tour operator in delhi#tour operators in delhi#travel agency in delhi#travel agency in india#golden triangle package
1 note
·
View note
Text
Don't skip just read this please
Hi world , it’s Sahar
Please read this as if I'm a member of your family . maybe your sister, daughter or a friend and as if my family who's under death now is yours.
My name is Sahar. A marketer shopping from Gaza, athe dreams she worked for but found herself losing the city she’s living in and losing any hope of a better future with it . And after a whole 4 years of studying and internship, the war had another idea.
I have 4 children: Hala the oldest, Rital, Odi, and Talin. We had a house full of love, dreams, and hopes that we strive to achieve one by one, but the war came and destroyed everything. We strive to travel outside Gaza to preserve our lives and obtain safety.
. In 15th of January 2024 my son Odai has An injury in his leg byShooting from a quadcopter aircraft in a shelter belonging to the UN Relief Agency
This loss circle didn’t end here, cause after more than 5 times of being displaced and having to leave our house escaping from rockets and death, we returned to our house and found it almost wiped off, more than half if it was destroyed and became an unlivable place leaving us not only with tired hearts but also without a place to stay in
Our Home
We are suffering in the UNRWA shelter center from overcrowding, the spread of diseases, pollution, and the difficulty of obtaining water and entering the bathroom due to the large number present in the place. It has been a year since this suffering.
Look what this horrible war has done to us. It has turned our lives upside down. It is hard for your mind to imagine. You were living in a villa with all your necessities and luxury items available until the war transferred you to live in a school for more than 13 months. We saw death 100 times a minute. I have attached pictures of the suffering of living in the school.
The situation after almost 13 months of this genocide is that the borders of Gaza are still unfortunately closed and no one can get out of it, of course unless you pay the most money to save your life and cross the Rafah crossing to reach Egypt, as crossing the Rafah crossing costs about $25,00 to $5,000 per person, and as a family of 9, the amount we have to pay just to get to Egypt seems impossible to bear.
So, this is how the money will be spent:
* Paying about $5,000 for each member of my family of 9 to cross the Rafah crossing and safely reach Egypt
* About $5,000 covers the GoFundMe transaction fees (2.9% + $0.30 per transaction)
* The rest of the money will be for housing, food, etc. for a period of time in Egypt
Asking for your help is the only way to save my family’s life and future, and your help may become our hope when hope is far from us under these circumstances, every dollar you can help with may save a life, bring hope to a tired heart and save a young future.
Please don't read this as a tragedy, I am here to ask you to prevent further tragedy and help us start our lives over. I am here to ask for your help not your sympathy, to ask you to take action either by donating or by sharing this with everyone you know who can help, please read this with your heart and take action as if it were your family, your mother and your siblings who are living in these circumstances.
Here is the donation link. Don't be stingy with me, even if it is a little. You will have contributed to preserving the lives of my family. With best wishes.
Vetted by :@bilal-salah0
Vetted by :@90-ghost
Vetted by :
@gaza-evacuation-funds
Vetted by :
@gazavetters , my number verified on the list is ( #264 )
☑️☑️
#palestine#gaza#help#free palestine#free gaza#helpfamily#save family#gaza strip#gazaunderattack#artists on tumblr
5K notes
·
View notes
Text
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
10K notes
·
View notes
Text
How to Create Travel Portal
We create a travel portal with a lot of visitors. As we know that website with no visitors have no future for the travel business. Our aim to provide you the right travel product such as API suppliers, B2B & B2B website, travel agency software, travel APP, flight consolidators, hotel consolidators, flight & hotel booking engines, admin panel and ticketing services at low cost.
#How to Create Online Travel Agency Website#How to Start Travel Business#How to Become a Travel Agent#How to Build Travel Portal#White Label Travel Portal Development
0 notes