#online phone number for sms

[lordhaydn]

如何使用美国号码注册 Wise

Wise 是一间金融科技公司，原名 TransferWise，除了提供无汇率溢价的国际汇款服务，还为英国、欧洲、加拿大、澳洲、新加坡、马来西亚和日本等多个国家和地区的居民提供综合货币账户，附带一张全球通用的 Wise 借记卡，直接连结户口内不同货币的余额。

最近需要一个 Wise 账户收款，于是打算注册一个 Wise 账号，将注册的过程记录下来，方便有需要的用户。

我们直接点击 Wise 注册 这个链接，开始注册我们的 Wise 账号。

可以看到 Wise 注册可以使用 Google 账号 Facebook 账号和 Apple 账号，这里我们直接使用 Google 账号完成注册，如果您还没有 Google 账号可以参考这篇文章：如何注册 Google 邮箱

需要选择注册的是商业账户还是个人账户，截图如下：

个人账户与企业账户的区别：

个人账户

WISE汇款

WISE卡

虚拟银行账户（9种货币）

货币转换与多币种账户

不同地区个人账户的区别：

中国大陆、台湾、澳门、韩国：不支持WISE卡

香港、马来西亚：仅支持WISE汇款

美英德法荷等欧美国家、日本、澳大利亚、新西兰、新加坡是全功能的

商业账户

WISE汇款

虚拟银行账户（商业版）

WISE商业借记卡

不同地区商业账户的区别：

美国、中国大陆、韩国：没有WISE商业借记卡

日本、新加坡、英德法等是全功能的

香港、马来西亚：只有WISE汇款

由于我们是商业行为的收款，所以这里我们选择企业账户，之后会提示：选择您的企业注册的国家或地区。如果未注册，请选择您的企业纳税所在地。截图如下：

点击继续需要验证手机号码，这里我们使用的是美国手机号码，如果您没有美国手机号码，可以到这里购买：美国私有号码购买，Wise 不仅支持美国号码，也可以使用英国号码注册：

购买了美国号码之后，在号码列表就会给我们分���一个可以使用的美国号码，截图如下：

之后通过 Wise 发送验证码，我们可以看到已经接收到了 Wise 的验证码，截图如下：

之后在 Wise 中填写我们收到的验证码，截图如下：

之后点击提交，需要设置密码，我是用的是 Chrome 自动生成的密码，填写到 Wise 之后可以通过 Chrome 浏览器自动保存密码，非常方便。

询问我们在公司担任什么职务，截图如下：

询问我们在公司担任什么职务：

股东或者重要董事

公司雇员或者代表

其它

由于我们是自由职业者，所以这里我们选择股东或者重要董事，之后需要我们输入公司信息，截图如下：

对于 Company Type 不是很了解的朋友，这里有一个翻译了的截图可以看看：

由于我这边是美国公司，所以会有以上信息，如果您没有美国公司信息，在注册的时候应该选择个人账户。

需要我们确认公司地址，直接填写我们注册的时候填写的公司地址，截图如下：

完成了公司地址确认之后，需要介绍我们公司的业务，需要简要介绍我们的业务，截图如下：

完成了公司业务的介绍之后，我们需要添加我们每天工作的地址（交易地址），截图如下：

Wise 对于交易地址的定义如下：

它通常是您每天工作的地方、您进行企业交易的地方或客户可以联系您的地方。 有用信息 您的办公室、联合办公空间、商店、工作室、工厂或家都是常见的交易地址。 一个企业可以拥有多个营业地址，例如多个办事处或连锁店。 一个企业可以在多个国家拥有贸易地址。

点击继续之后，需要填写我们自己的信息，我们据实填写，截图如下：

需要我们填写可以证明住址的地址，这里需要认真填写，并且可以用于证明此地址的相关证明材料，例如：水电煤气账单发票等，截图如下：

证明地址可以使用中文表达。

需要我们选择套餐，这里有两种套餐可以选择，一个是 31 USD 一次性费用的套餐和免费的套餐，截图如下：

所有银行功能套餐，31 USD 一次性费用

在 70 多个国家/地区向人们支付商品和服务费用

添加无限团队成员和会计师

包括英镑和欧元在内的 10 多种全球主要货币余额

接收来自国外或亚马逊和 Stripe 等销售平台的付款

直接借记用于定期支付海外费用，如租金和账单

基本功能，0 USD 但是可以随时升级

在 70 多个国家/地区向人们支付商品和服务费用

添加无限团队成员和会计师

不支持包括英镑和欧元在内的 10 多种全球主要货币余额

不支持接收来自国外或亚马逊和 Stripe 等销售平台的付款

不支持直接借记用于定期支付海外费用，如租金和账单

由于我们需要接收 Stripe 的付款，所以我们这里选择所有银行功能套餐。

选择接受的货币，这里我们选择中国人民币和英镑，同时由于需要通过 Stripe 接受美国，我们��选择英镑（包含接受美元），截图如下：

询问我们使用 Wise 的目的是什么：

这里我选择的是收取服务和产品的款项，其它选项翻译截图如下：

询问我们的企业是否由其它企业所拥有，截图如下：

翻译内容如下：

您的企业是否部分或全部由其他企业所有？ 对于大多数企业来说，这种情况并不常见。您无需在此处输入自己的企业信息，只需输入拥有您企业所有权的外部企业即可。

由于我们的文章太长，一边操作一边写文章，中间上了个厕所，导致 Wise 直接退出了，我们再次登录，需要使用我们刚才的美国电话号码接受验证码，截图如下：

所以我们再购买美国号码的时候，一定不能选择一次性短信验证码，否者像刚才那种情况，这个 Wise 账号可能九废了。

完成验证之后，我们继续刚才的步骤，我们直接点击My business is not owned by any other business（我的企业不属于任何其它企业）。

需要美国客户的社会安全号码 (SSN) 或个人纳税人识别号 (ITIN) 来验证我们的身份，由于我没有 ITIN，所以我选择第二个选项，我不是美国公民，没有 SSN 或者 ITIN，截图如下：

如果您没有有效的 SSN 或 ITIN，我们将需要使用非美国带照片的身份证件来验证您的身份。

需要再次确认我不是美国公民，没有 SSN 或者 ITIN 截图如下：

点击Continue 继续，需要使用我们的手机扫描身份证和面部识别完成 KYC，截图如下：

我们直接扫描二维码，开始在手机上操作，需要上传我们的护照和人脸识别。

完成验证之后我们登录 Wise 就可以了。

[nando161mando]

Cisco Duo Says Hack at Telephony Supplier Exposed MFA SMS Logs

Cisco Duo warns that breach exposed phone numbers, phone carriers, metadata and other logs that could lead to downstream social engineering attacks.

[quecksilvereyes]

oh my god do not click links in emails that tell you to verify your data or your bank account gets locked or click links in messages telling you your safety protocol is ending, like, tomorrow, you will get SCAMMED SO BAD AND YOU WILL LOSE A LOT OF FUCKING MONEY never ever let anyone pressure you into giving away login information especially to your online banking by creating a sense of urgency oh my GOD

some things to look out for

1. spelling mistakes. do you know how many rounds of marketing and sales experts these things go through? if theres a spelling mistake dont click it

2. not using your name. if an email adresses you with "dear customer" or, even worse, a generic "ladies and gentlemen", it is most likely not actually targeted to you

3. verifying or login links. even IF your bank was stupid enough to send these to customers, dont EVER click those. look at me. they can legally argue that youve given your data away and thus they dont have to pay you anything back DONT CLICK THAT FUCKING LINK

4. creating a sense of urgency. do this or we lock your account next week. do this or your ebanking stops working tomorrow. give us all your money in cash or your beloved granddaughter will get HANGED FOR MURDERING BABIES. no serious organisation would ever do something like that over email or sms. ever. hands off.

5. ALWAYS CHECK WHO SENT YOU THE EMAIL. the display name and the email adress can vary a LOT. anyone can check the display name. look at the email adress. does it look weird? call the fucking place it says its from. you will likely hear a very weary sigh.

6. if its in a phonecall, scammers love preventing you from hanging up or talking to other people to have a little bit of a think about whats happening. there should always be a possibility to go hey i wanna think about this ill call back the official number thanks.

7. do not, i repeat, do NOT a) call a phone number flashing on your screen promising to rid your computer of viruses after clicking a dodgy link and b) let them install shit on your computer like. uh. idk. teamviewer.

7.i. TEAM VIEWER LETS PEOPLE USE YOUR COMPUTER HOWEVER THEY WANT AS LONG AS THEYRE CONNECTED. IF YOU DONT KNOW FOR FUCKING SURE YOURE TALKING TO ACTUAL TECH SUPPORT DONT GIVE ANYONE ACCESS TO YOUR COMPUTER.

fun little addendum: did you know a link can just automatically download shit? like. a virus? an app you can't uninstall unless you reset your entire device? dont click links unless youre extremely sure you know where they lead. hover your mouse over it and check the url.

thanks.

[unionsmobile]

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[bit-b]

About a trending Discord warning:

TL;DR: Discord is NOT making "Find your friends" enabled by default. You're probably not giving Discord your contact information without your knowledge. Their UI choices just suck.

There's a warning post going around by a person I'm not going to name, as I don't want people to dogpile on them. That is NOT the goal of this post, and if you DO harass anyone because of what I write, then you're a garbage person with garbage habits that needs to throw those habits in the garbage.

Rather, my goal with this post is to educate about a Discord feature that's not being represented properly.

-------------------------------------

Supposedly in the new mobile update, Discord added this ""NEW"" feature called "Find your friends", and then they enabled it by default. This feature allows users to use their smartphone contacts to search for their friends on Discord. It also enables others to be able to find you in the exact same way.

Obviously, this would be MASSIVELY dangerous from a privacy perspective.

Imagine if someone had relatives that use Discord. In a scenario like that, those relatives would have an easy way of finding the accounts of family members. And in some home situations, online anonymity from relatives could mean the difference between having an outlet and not having an outlet.

I'm also pretty sure I know some folks with alt accounts (you know who you are). And if Discord was somehow able to cross-reference all your contacts with the Discord accounts you're logged into, that would be DISASTROUSLY EMBARRASSING, to say the least.

So I totally understand how concerning this would be if it turned out to be true.

The thing is, it's not.

The person who made that warning misinterpreted THIS page:

This is the new "Add Friends" page for the Discord mobile app. Obviously, a page to help you add friends. There's a big 'ol window at the bottom showcasing Discord's "Find your friends" feature.

Now, this feature is actually NOT new. It's been around for a long time. But there's a very subtle change that happened with the new update. Take a look at how "Find your friends" used to look:

It starts by giving you a banner at the top of your friends list, telling you that this feature is available. Then when you click on it, it takes you to a page with UI elements that look awfully familiar.

It's pretty clear what happened. In an effort to condense down their friend-finding functions into one menu, Discord took the "Find your friends" setup menu and tossed it in with all the other ways to contact friends.

But by doing this, Discord has made this setup window confusing. It's not immediately obvious if the "Find your friends" feature is ON and running, or OFF and waiting to be activated.

Maybe it would have helped to make the blurple button read something like "Sync contacts" instead of "Find friends". At least then, you could tell at a glance that nothing has been sync'd yet. (Or y'know, maybe just stick to "Grant Permission". That was working just fine before.)

So it seems the OP:

Looked at the "Find your friends" setup menu that Discord hastily slapped into the "Add friends" page

Noticed the checkbox that read "Allow contacts to add me"

Saw that it was already marked

Then assumed that it must be some kind of tucked-away setting that was left ON by default.

To make this abundantly clear, "Find your friends" only works if you opt-in.

That checkmark allows you to tell Discord you are okay with people finding you in this manner. Unchecking it makes it possible to use "Find your friends" without others being able to find you the same way.

It doesn't get set up on your device until you press the big blurple "Find friends" button. Even then, you still have to add your phone number to your account and verify it via a 6-digit code sent via SMS.

After that, you have to give Discord permission to access your contacts via whatever phone OS you use.

You have to be pretty deliberate for any of these functions to start.

I won't say it's impossible to set it up on accident. It's a strange world, and stranger things have happened. If you want to, go check your app permissions to make sure you don't have contact permissions enabled for Discord. It's always good to be sure. But rest easy knowing that you probably don't have to worry about it.

-------------------------------------

In my opinion, I think that anyone who reblogged that warning should consider reversing those reblogs.

Honestly, I also think the OP should just delete their post instead of repeatedly adding amended reblogs to it. At the end of the day, the core of that post was misinformation and misguided assumptions. There's no real reason to keep it up.

Besides, I'd rather pin Discord on things they're ACTUALLY guilty of. Like designing a new UI that's widely mocked. And making things 10x more confusing for the end-user.

Here's Discord's official "Find your friends" FAQ page:

https://support.discord.com/hc/en-us/articles/360061878534-Find-Your-Friends-FAQ

I hate to beg, but I'd appreciate if people would reblog this post. I fear that the warning post is gonna steer a LOT of people to believe a lot of things about Discord that are logically and functionally not true.

[payblogs]

DARK SMS - DRAGON+

In today’s fast-paced digital landscape, maintaining privacy and security while communicating is more important than ever. Introducing DarkSMS, a cutting-edge virtual SMS platform designed to streamline your messaging experience without compromising your personal information. With our innovative virtual number service, users can receive SMS messages securely and anonymously, eliminating the risks associated with sharing private phone numbers. Whether you’re signing up for online services, verifying accounts, or simply looking to keep your communication confidential, DarkSMS has got you covered. 

Virtual SMS

Virtual SMS refers to the messaging service that enables users to send and receive text messages through a virtual phone number rather than a traditional mobile line. This service is particularly useful for individuals and businesses looking to maintain privacy while communicating or verifying accounts.

One of the key advantages of using virtual sms is the ability to receive SMS without revealing your personal phone number. This is especially beneficial for online transactions, sign-ups for apps, or any situation where you might need to provide a phone number but want to protect your privacy.

Furthermore, virtual numbers can be easily managed from a web-based platform, allowing users to organize and store messages effectively. Many service providers offer features such as message forwarding, where received SMS messages can be redirected to your email or other platforms, ensuring you never miss an important notification.

In addition to privacy and convenience, virtual SMS services are often cost-effective. They eliminate the need for extra SIM cards or mobile contracts, allowing users to only pay for the services they actually use. This flexibility makes virtual number services highly attractive for startups and individuals working from remote locations.

As businesses increasingly adopt digital communication strategies, integrating virtual SMS into their operations can enhance customer interaction and improve engagement through instant messaging capabilities.

Virtual Number Service

A virtual number service offers a practical solution for individuals and businesses looking to maintain privacy while receiving communications. By using a virtual number, you can receive SMS messages without exposing your personal phone number. This feature is especially useful for those engaged in online transactions, such as e-commerce, as it safeguards against unwanted spam and protects your identity.

One of the key advantages of a virtual number service is its capability to function seamlessly alongside your primary phone line. Users can receive messages from various platforms effectively, whether it's for verification purposes, two-factor authentication, or simply keeping in touch with clients. The convenience of managing multiple numbers through a single device cannot be overstated.

With options to select numbers from different geographic locations, this service caters to users looking to establish a local presence in different markets. Moreover, these numbers can be set up quickly and easily, providing instant access to receive SMS without lengthy contracts or commitments.

To optimize your experience with virtual SMS and virtual number services, consider features like call forwarding, voicemail, and the ability to choose your own number. Such functionality enhances user experience by offering flexibility in communication while maintaining professional boundaries.

Ultimately, investing in a virtual number service can significantly enhance your business's communication strategy, allowing you to receive SMS reliably while focusing on building relationships with your clients.

Receive SMS

Receiving SMS through a virtual number is a convenient service that allows users to get text messages without needing a physical SIM card. This is particularly beneficial for individuals and businesses looking for privacy or those who wish to avoid exposing their personal phone numbers.

The process is straightforward: once you obtain a virtual number through a reliable virtual number service, you can start receiving sms messages. This service is essential for various reasons, including:

  Account verification codes: Many online platforms use SMS to send verification codes. A virtual number allows you to receive these codes securely.

  Business communications: Companies can use virtual SMS to receive client inquiries or feedback without revealing their primary contact numbers.

  Privacy protection: By receiving SMS through a virtual number, users can protect their personal phone numbers from spam and unwanted solicitation.

Moreover, the get SMS feature of a virtual number service ensures that you don’t miss any important messages, even if you are on the move. Messages are often stored digitally, which means you can access them anytime and anywhere.

In summary, the ability to receive SMS through a virtual number enhances both privacy and accessibility, making it a valuable tool for users in various contexts.

Get SMS

Getting SMS messages through a virtual number service has become increasingly popular due to its convenience and versatility. Whether you need to receive texts for verification purposes or want to maintain privacy while communicating, virtual SMS provides a robust solution.

With a virtual number, you can easily get sms from anywhere in the world without needing a physical SIM card. This feature is particularly beneficial for businesses that require secure communication with clients or customers, as it ensures that sensitive information remains confidential.

Here are some advantages of using a virtual number to get SMS:

Privacy Protection: Using a virtual number helps keep your personal phone number private.

Accessibility: You can receive SMS messages on multiple devices, including tablets and laptops.

Cost-Effective: Virtual SMS services typically come with lower costs than traditional SMS plans.

Global Reach: You can get SMS messages from international numbers without incurring roaming fees.

Easy Setup: Setting up a virtual number to receive SMS is straightforward and often takes just a few minutes.

In summary, leveraging a virtual number service for SMS communication allows you to manage your messages efficiently while maintaining privacy, enhancing accessibility, and reducing costs. This is particularly useful for both personal and business communications, making it a smart choice for anyone looking to streamline their SMS functions.

[honeytonedhottie]

fun things to do INSTEAD of scrolling°❀⋆.ೃ࿔*:･🍈

the point of this post is to help u maybe limit ur phone usage and to give ur time purpose and feel more fulfilled.

learn something new online : start following up with an online course, theres this website (coursera.org) where u can engage in some courses and learn something new. CONTINUOUS LEARNING is probably something that i'd advocate for the most. there r so many things that u can learn online literally dont limit urself, i learned a whole LANGUAGE online. u can learn thru youtube, websites, reading online books, academic journals and articles, my girlblog :) etc

make a video to ur future self : like literally sit in front of ur camera and just chat as if ur chatting to ur future self (this can also double as a manifestation exercise) just TALK to ur future self, its sm fun when u look back and have a conversation with ur past self and to see all the things that u manifested materialized. its a lot of fun fr. this is especially good if ur the kind of person who struggles to see the progression that you've made. looking back on this SHOWS u ur progression.

turn ur phone into a productivity MACHINE : delete apps that make u feel distracted, get rid of old numbers on ur phone, unfollow ppl that give off negative energy/make u distracted. use notion (i love notion with my life) make schedules and to-do lists.

get a hobby : learn something new, start a hobby or continue one that you've had in the past. its genuinely so fulfilling to have something to do. (lately i've been into photography) if u can't find a hobby right at this moment then dedicate ur time and energy into something that'll serve u in the future. for me, i've been putting a lot of my time towards community service bcuz thats something that'll serve me in the future.

[despairat6oclock]

Dress

Synopsis: secret glimpses of a relationship the Internet anticipated far before the two lovers could even fathom.

fem! Actor Reader x George Clarke

Contains: sm!au

Warnings: more of an prologue then anything

[m.list]

----

Odd was a way to explain it, definitely odd. Receiving a DM from the man I had, not so silently, been thirsting over online.

It was awkward at first, granted not wanting to cross a line of unfamiliarity and make the other uncomfortable or ourselves seem unbearable.

Although with all consideration, awkwardness slowly contorted into something kind and warm and all came together like we had always known each other.

After spending an embarrassing amount of the night chatting via TikTok Dms, George took the leap before I could.

“Is there a chance I could get your number? Chatting like this makes me feel like a teenager.”

Of course I complied, rolling in my bed with a hand over my face. I did feel like a teenager, a giddy one.

“Are you ever in the area?” George's voice flowed out through the phone speaker.

“I have a shoot there in about two weeks,” I responded, turning on the bathroom faucet as I went through with my nightly routine.

“Is there a chance I could maybe take you out for a meal?”

A giddy smile paints across my lips as I scrunch my nose with my fluttering heart.

“Of course you can,”

I attempted to mask my flusteredness with a playful attitude.

“I'm usually off of set by dinner.”

There was a long pause on George's end, complete utter silence. Until an enthusiastic voice boomed through the other end of the phone.

“Can't wait.”

-----

youruser posted a new story!

georgeclarkeey posted a new story!

-----

A/N: I wanna make the social media au(s) longer but Tumblr only lets me put a certain amount of photos</3

-----

[yourfavesareproblematicblog]

(Problematic things Super Junior has done)

Problematic things they have done since pre-debut to 2024 (now).

Trigger warning: racism, misogyny, paedophilia, homophobia, Sulli's passing and other sensitive topics.

The whole group:

The main actress in Super Junior's "Devil" MV was only 14 years old. The main actress admitted her age on Instagram during the "Devil" era. She drove a car, kissed Siwon, seduced Kyuhyun, pointed a gun at Kangin, and flirted with Yesung.

Leeteuk:

Told Suzy to lose weight in front of Miss A members. Leeteuk said, "Suzy needs to lose weight first." After this statement, both Jia and Fei told Leeteuk to "knock it off". Kan Mi Yeon also disapproved of what Leeteuk said, and he quickly tried to move on with a smile after saying he was just joking.

Said "I really dislike fat girls. I don't think they take care of their bodies well."

Performed with Boom, who was doing blackface while performing (With Shindong and Eunhyuk).

Being creepy to Yeonwoo by trying to message her on Instagram but ended up messaging a fan account. He said "Yeonwoo-ya".

Being creepy to Yoona, Krystal, and Sooyoung when they were minors. Krystal and Leeteuk were on the same show in 2011. Leeteuk mentioned that he had asked Krystal to marry him back when they first met. Krystal joined SM when she was 11. Leeteuk met Krystal when she was 11 and he was 22/23. Yoona exposed Leeteuk for asking her to marry him when she was 13 and Leeteuk was 20. Leeteuk grabbed and hugged Sooyoung when he was excited because of a World Cup match in 2002. Leeteuk was 19 and Sooyoung was 12. SM's female and male trainees weren't allowed to hang out together anymore because of that incident. Sooyoung was Leeteuk's first love.

Forced Minah to kiss him for the “sake” of a prank. Minah was shaking her head and trying to send covert signals, but he just pressed on with it and kissed her on the lips, even though she had her mouth tightly shut and said “Do it on the forehead! On the forehead!” Leeteuk put her in an uncomfortable situation one that she did not consent to. He was asked about it later and gave a really… weak excuse to reason his kiss, which did not make him look good.

His top advice for dating women was to make sure they're young and keep serving them drinks.

Leeteuk asked the Korean government to ask Korean citizens to pay taxes so that celebrities could ride taxis using the citizens' money.

He and Shindong defended Kangin who has a history of crimes at Ryeowook's wedding. Leeteuk said people should support Kangin so that he can earn a living despite his crimes. Leeteuk said, "Everyone, you’re now seeing Kangin, whose self-reflection time is longer than promotion time. Please forgive Kangin now. Kangin, who’s reflecting for 15 years & promoted for 5 years". Leeteuk proceeded to say "On a happy & great day like this. Please hug/hold Kangin" and Shindong replied "Yes". Leeteuk also said, "Please give him love, so that Kangin will able to make a living" and Shindong replied, "Please help him a lot". Then, Leeteuk said, "(We) ask for everyone’s help".

Said, "When girls shed tears, it's just water coming out of their body, but when guys shed tears, it's their blood coming out of their hearts."

Heechul:

Wore cornrows.

Wore a headscarf in a similar way to a hijab in ‘A Style For You’ episode 4.

Had a crush on Sohee when she was 16 and said she was his ideal type. Sohee was 16 and Heechul was 25 in 2008. Heechul confessed his love for Sohee many times.

Japanese fetish. For instance, he referred to himself as "uncle" and then proceeded to ask Kazuha for her phone number. Kazuha was 19 and Heechul was 39. Heechul is known to love anime and anything Japanese including Japanese women. Heechul reacted creepily when Nako was asked to make an impression of Yazawa Nico. Heechul dated Momo (a Japanese woman). Heechul has a body pillow of a 14-year-old anime girl.

Discussed a woman-centred community online that was being sued by an incel YouTuber named Bokyeom. He proceeded to take the side of the incel YouTuber and called the women that were in the named community misogynistic slurs. He further mentions how he donates a lot of money as if that had anything to do with the issue.

Commented on the Japan-Korea-related boycott but since I'm not very educated on the topic aside from knowing the fact that Japan once violently colonized Korea. I will not comment on this issue.

When Sulli passed, there were lots of discussions on the misogynistic hate comments being possible reasons for her passing. Even though I disagree with speculating about the reasons for someone's passing, I do think it's important to highlight the unjust misogynistic hate she received. Heechul, however, felt the need to reduce these discussions to gender wars by saying that the hate Sulli received had nothing to do with gender issues and those discussions were just a way of pitting the genders against each other. He is ignoring the fact that Sulli was very outspoken about gender injustice against women. By writing these posts as her friend, he was dismissing the values she always stood up for.

Caught being subscribed to a channel that blamed the victims of the "Nth Room" incident. A lot of women were trafficked, threatened and trapped in online networking sites to perform sexual acts while people, mostly young men, recorded them and forced them to do things according to their disturbing fantasies.

Being rude to Ningning on Knowing Bros. Karina, Winter and Ningning appeared on Knowing Bros. He asked all three girls, "Do you look at a guy's looks or not?" and Ningning immediately responded, "I don't.". Everyone was doubtful of Ningning's answer and protested against her answer. That is when Heechul decided to speak up. He blurted, "Young Chul has the best personality among us," and implied to ask her if she would date him or not. Ningning responded with, "Oh really? And..." making everyone laugh. Ningning was 20 (born in 2002) and Young Chul was 48 (born in 1974).

Danced to "Tunak Tunak" in a stereotypical/mocking way along with Blackpink on Knowing Bros.

Used an Native American headdress filter on Instagram.

Defended his former teammate Kangin, who had a history of drunk driving and scandals, and used strong language during discussions related to school violence and a specific online community. He appeared on a live broadcast for Afreeca TV with BJ Choi. During the broadcast, he got seemingly very drunk and gained a lot of negative attention for his comments on topics. During the broadcast, while talking about his former bandmate Kangin and him being a fighter, ASTRO’s Cha Eunwoo was suddenly mentioned. Heechul explained how close he is to the singer, adding, “I’m so close with Eunwoo. He’s so handsome, but he’s such a manly man (literally translated as alpha male)”. The term “alpha male” can be interpreted negatively as some of the traits can be seen as toxic. Although Heechul seemingly meant to praise Eunwoo, his following statements gained attention as he related it to the rising topic of “school bullying”. Heechul said, "If you talk to him about school bullying, he would have cussed more than me". Heechul seemed to paint Eunwoo as someone violent and aggressive when Heechul started explaining how he thought Eunwoo would act upon hearing about a bully. Heechul said "I understand why he is popular, of course. He has an image on TV, but if he heard about a school bully, he would be like, ‘Hyungnim, bring that f**ker here,’ and would have slapped him. He’s such a manly man (Alpha male) who likes to exercise…".

Defended "Idol School" after it was accused of sexualizing children (young girls as young as 13 were made to dance with wet white tops) by K-feminists. Heechul was a judge on "Idol School" and then became a mentor for fromis_9 after their debut.

When Red Velvet appeared on Knowings Bros, Irene was asked to wear acupressure slippers. It's hard to wear acupressure slippers while standing, let alone jump with them if you're not used to them. Irene was skipping while wearing acupressure slippers. The jumping rope hitted her head. Heechul asked her if she was in pain because of those slippers. Irene replied it was just the rope hitting her, but Heechul insisted that it was the slippers that hurt her. Irene got angry and said it was the jumping rope again, not the slippers.

Hangeng:

Wore a Native American headband.

Yesung:

Did blackface to cosplay as Nick Fury and reposted his blackface photos 3 times after being called out.

Said "I think obese people are lazy".

Said that fat girls cannot wear mini-skirts. When asked, "What's the most unattractive image when a woman wears a mini-skirt?", Yesung chose "women who have fat legs." The other answers were, "women who have hairy legs" and "women who open their legs when sitting.".

Choreographed and participated in a racist dance to mock Indians and portray them as "snake charmers" (With Shindong, Sungmin, Eunhyuk, Ryeowook, and Kyuhyun). Yesung put a snake prop/fake snake around his neck and it looked like he used his hands to charm the snake.

Kangin:

DUI hit-and-run. On October 16, 2009, around 3 AM, Kangin collided with two parked taxis and left the scene of the hit-and-run incident. The occupants of the two vehicles, including the drivers and two passengers, were reportedly uninjured. Five hours later, Kangin turned himself into the police. He was recorded to have a blood alcohol content of 0.082% when he arrived at the station. He then failed to show up at the Seoul Gangnam Police Station at 2 PM on the same day for further investigation and had to be called in the following day.

Second DUI hit-and-run. On May 24, 2016, Kangin was involved in another DUI hit-and-run incident, where he turned himself in after a few hours. He was then found with a blood alcohol content of 0.05%. SM Entertainment has issued a statement, stating his future activities were cancelled while he reflects on his actions. He entered the Seoul Central District Prosecutors' Office on June 15, 2016, to face questioning over causing a traffic collision while under the influence of alcohol. Prosecutors summarily indicted him on July 7. On September 7, 2016, Kangin was sentenced to pay a ₩7 million ($6,420) fine.

Reportedly assaulted his ex-girlfriend. On November 17, 2017, police responded after receiving a call that Kangin was drunk and assaulting a woman at an escort bar in the Nonhyeon neighbourhood of Seoul. Upon investigation, police described it as “a minor dispute, and the parties reconciled at the scene and took measures to return home.” with no injuries, and no parties wished for charges to be pressed, Kangin was sent off with a warning and not formally booked on any charges.

Called VIXX's N "fucking trash".

Made fun of f(x) Amber for being masculine by calling her a "man". Kangin said, “This is unfair we have 3 guys,” when everyone else said Amber’s a woman and scolded him.

Told Lovelyz to lose weight. He said “We can’t play this game because these girls are making a come back and they need to stick to their diets. They need to lose weight.”

Shindong:

Wore a Native American headdress.

Did blackface to imitate Oprah.

Made fun of Shuhua's Korean language skills.

Accused BTS of copying EXO.

Said "If someone had to lose weight, I would tell that person to lose weight. Lose some weight, why can't you take care of yourself? When I say this, the person might think, 'Look who's talking,' but I would reply, 'I'm a boy and you're a girl.'".

To this, both Kim Shin Young and announcer Gu Eun Young retorted, "Why does gender matter in this situation? So girls have to be skinny and boys can be..." Taken aback by their remarks, Shindong quickly explained, "I'm just saying. Honestly, I would want the person that I love to be more pretty or more handsome."

Performed with Boom, who was doing blackface while performing (With Leeteuk and Eunhyuk).

Choreographed and participated in a racist dance to mock Indians and portray them as "snake charmers" (With Yesung, Sungmin, Eunhyuk, Ryeowook, and Kyuhyun). Shindong dressed up as an Indian girl and used a Sari.

Took photos of TVXQ's Yunho without his permission when he (Shindong) was a trainee and Yunho already debuted as an idol.

Shindong decided to react to Taemin's music video for 'Advice' which brought about a backlash from Taemin's fans. Like any other reaction video, Shindong sat down and gave his opinionated remarks while watching the video. As soon as the video started, Shindong gave a reaction of being impressed by Taemin's dancing. He said, "Every time I see Taemin's dance, it's just very...it feels like it's fast-forwarded. Oh this MV is amazing." Throughout the video, Shindong didn't hold back his praise. However, some fans took issue with one remark by Shindong. In the middle of the reaction video, Shindong said, "He's got this pretty visual so even when he is with female dancers, he goes nicely with them" and praised Taemin's advantages of having an androgynous look. He continued to say, "It's hard to tell if he's a guy or a girl..." which is the sentence that backfired on Shindong despite him saying it as praise and compliment. Quickly, many Taemin fans took to social media to criticize Shindong as they said his remarks were unnecessary. There were some even taking out their anger against Shindong and saying profanities against him.

He and Leeteuk defended Kangin who has a history of crimes at Ryeowook's wedding and agreed with Leeteuk's comments to support Kangin so that he can earn a living despite his crimes.

Sungmin:

Asking Leeteuk for marriage acceptance even though he was going through a very big family loss.

Scheduled the wedding to take place during Super Junior's scheduled performances.

Choreographed and participated in a racist dance to mock Indians and portray them as "snake charmers" (With Yesung, Shindong, Eunhyuk, Ryeowook, and Kyuhyun). Sungmin and Eunhyuk used flutes to look like they hypnotize a snake.

Wore a Native American headband.

Wore side braids.

Eunhyuk:

Made a girl cry on "We Got Married". On "We Got Married", the “Fighting Juniors,” which consists of Sungmin, Eunhyuk, Donghae and Kyuhyun have been helping Leeteuk and Kang Sora in their “We Got Married” episodes, and they recently finished their first dates with the actresses Lee Sena, Shin Soo Yol, Son Eun Seo and Jung Yeon Ju. However, in the short duration of time that has passed, there have seemed to be changes in their opinions and thoughts. Before, Eunhyuk had chosen Lee Sena as his favourite, but later on changed his mind to Son Eun Seo, causing Lee Sena to cry in the final choices.

(Allegedly) dated IU when she was 19 and he was 26.

Misogynistic title track controversy (GGB scandal with Donghae). Korean fans have brought up the misogynistic connotations behind the word, accusing Super Junior D&E of not being mindful. The title of the song (GGB) is a phrase used when calling a woman, but it is a derogatory one. It is not completely a curse word, and there are instances where it is used amongst girls themselves or mother-daughters in a joking way, but it is similar to when some words can be used jokingly amongst the same race, but are considered racist for others to use. [Jijibae (GGB)] is a word that modern women are averse to, and it is especially unpleasant when it is used by a man. 10 to 15 years ago, it was more commonly used with the meaning of “bad woman,”. The word “jijibae” in Korean originates from the word “gyejibae,” which loosely translates to “wench.” While it can be used to refer to a woman or girl, it holds derogatory meaning and disrespect. This mistake can easily be avoided. They could've chosen another title for the song. It's not that hard to choose another title for the song.

Performed with Boom, who was doing blackface while performing (With Leeteuk and Shindong).

Choreographed and participated in a racist dance to mock Indians and portray them as "snake charmers" (With Yesung, Shindong, Sungmin, Ryeowook, and Kyuhyun).

Wore dreadlocks.

Wore a Native American headband.

Siwon:

Wore a dreadlocks wig in a performance (With Donghae).

Did too many homophobic things (×100).

Retweeted a homophobic tweet.

Posted a transphobic meme on Bubble.

Said "I do not wish to acknowledge homosexuals".

Dog biting incident. His French bulldog had a history of biting people. For instance, Leeteuk said Siwon's dog tried to bite him. Siwon and his family had a habit of not putting their dog on a leash despite the dog being aggressive. His dog bit an old lady and the lady died.

Openly supports Israel. In an interview, a reporter asked which city he would like to go and he answered "Jerusalem, Israel". Siwon said he wanted to go to Israel with one of his friends. He took photos with Israeli diplomats and had political summits/meetings with them. He said "Israel Elf", interacted with an Israeli fan, and acknowledged Israel as a country, etc.

Posted a photo of him drinking Starbucks during the boycott.

Fan of Ronald Reagan and Donald Trump. Both of these presidents were/are horrible people.

Wore a Native American headband.

Zhoumi:

Zhoumi laughed about the earthquake of 6.8 magnitude that hit Taiwan saying “When the earthquake struck just then, it was just like playing.” Moreover, Zhou Mi even used last year’s Si Chuan earthquake as a comparison, saying: “Last year, when we were promoting in China, we also met an earthquake, and it was pretty happy.” And Han Geng who was beside him immediately rushed forward to clarify: “He (Zhou Mi) doesn’t mean happy.” However, it was too late, as everything was already recorded by the media.

Supported China's movement of claiming territories in the South China Sea. He took to his Sina Weibo account to repost a nationalistic poster from the Chinese newspaper "People's Daily". It shows a map of China and the "nine-dash line" that covers most of the South China Sea. Accompanied by the caption: "This is China, not one bit less".

Donghae:

Wore a dreadlocks wig in a performance (with Siwon).

Eunhyuk said every time they have a comeback, Donghae suggests hair for him and tries to get him to do dreadlocks for a D&E comeback.

Wore braids in the House Party MV. He chose to do the hairstyle himself.

Wore an Elsa dress and a keffiyeh to be "Rich Elsa" and threw fake money to portray Arabs as "oil money rich people".

Was aggressive and tried to raise his hand against Irene after he lost a game. Irene got scared. Yesung got mad at him by saying "Why are you acting like a gangster?". In the episode, he was so mad every time he lost a point to Irene and said the game was a lie.

Donghae participated in the same performance as Xuan Yi who did the Bharatanatyam dance mockingly while wearing a Charlie Chaplin moustache and approved her of doing the Bharatanatyam dance. On a Super TV episode, Super Junior invited girl groups to their show. In that episode, each Super Junior member had to team up with a girl group to make a performance. Donghae teamed up with WJSN. Donghae chose Tunak Tunak as their song for their performance because he thought it was an exciting song. Both WJSN and Donghae choreographed, practised and participated in the performance. Each team had to get a prop/instrument to perform with, Donghae and WJSN got the Sogo. At the beginning of the performance, Xuan Yi did the Bharatanatyam dance mockingly while wearing a Charlie Chaplin moustache and did head bobbling movements. Then, the other girls and Donghae came behind her. After that, the other girls did head bobbling movements and then Donghae started dancing with them. It was WJSN's idea to make Xuan Yi do the Bharatanatyam dance. However, Donghae was the team captain and WJSN's senior. He fully had control of their performance. Plus, it was Super Junior's show. Even if he didn't do the Bharatanatyam dance or come up with the idea of Xuan Yi doing it, he was also guilty of approving Xuan Yi of doing the Bharatanatyam dance mockingly with a Charlie Chaplin moustache, didn't hold her and the other girls accountable and participating in the same performance as Xuan Yi.

Misogynistic title track controversy (GGB scandal with Eunhyuk). Korean fans have brought up the misogynistic connotations behind the word, accusing Super Junior D&E of not being mindful. The title of the song (GGB) is a phrase used when calling a woman, but it is a derogatory one. It is not completely a curse word, and there are instances where it is used amongst girls themselves or mother-daughters in a joking way, but it is similar to when some words can be used jokingly amongst the same race, but are considered racist for others to use. [Jijibae (GGB)] is a word that modern women are averse to, and it is especially unpleasant when it is used by a man. 10 to 15 years ago, it was more commonly used with the meaning of “bad woman,”. The word “jijibae” in Korean originates from the word “gyejibae,” which loosely translates to “wench.” While it can be used to refer to a woman or girl, it holds derogatory meaning and disrespect.

Ryeowook:

Made fun of VIXX's N skin colour.

Put Yesung's blackface photo as his Twitter profile picture and laughed at Yesung's blackface

Choreographed and participated in a racist dance to mock Indians and portray them as "snake charmers" (With Yesung, Shindong, Sungmin, Eunhyuk, and Kyuhyun). Ryeowook did a dance move to look like a snake being hypnotized by Sungmin and Eunhyuk's flutes.

Wore a Native American headband.

Kyuhyun:

Def Conn was talking about a trade he did with an African American regarding some Micheal Jordan shoes to which Kyuhyun retorted “That scenario must have looked like a drug deal.”.

Harassed Goo Hara and Jessica for dating on Radio Star. He called Goo Hara a "slut", and said that if she gets pregnant her career will be over and if he opens his mouth again her career will be over. He asked Jessica many inappropriate questions and made her and other SNSD members uncomfortable, especially Tiffany. Every time Kyuhyun said something bad about Jessica, Tiffany defended Jessica and scolded him.

Thought India was uncivilized. So, he brought a spoon to Indian because he thought there were no spoons in India.

Liked tweets that criticized Changmin and Chen's marriages.

Choreographed and participated in a racist dance to mock Indians and portray them as "snake charmers" (With Yesung, Shindong, Sungmin, Eunhyuk, and Ryeowook).

Wore a Native American headband.

When Joohoney stereotypically imitated how black people talk on Radio Star, Kyuhyun laughed.

After news went out that Hangeng had filed for provisional disposition of the contract with SM Entertainment, Kyuhyun wrote on his CyWorld account on 21st December after the news about Hangeng came out, “Even a beast don’t bite the hand that feeds one…I can not understand” expressing his disappointment about it.

Henry:

Kissed Yewon's thigh while carrying her on his shoulders on "We Got Married". This caused people to call him a pervert.

Revealed that when he first met his members, he thought all of them were gay and thought Heechul was trans and said those things worried him.

Persuaded Jackson (GOT7) to accompany him in going into the girl's room without permission and rifling through their stuff on episode 45 of SBS Roomate.

Used a stereotypical Indian accent to mock Indians, pretended to be Saruman, and thought Indian and Arab cultures were the same. A genie lamp was edited into the video.

Defended Yesung's blackface by commenting on Yesung's blackface post on Instagram. He commented, "If this is racist. then thor wearing the blonde wig is also racist. c o s p l a y .".

Henry and his crew culturally appropriated black hairstyles in his "I'm Good" MV.

Supported China's movement of claiming territories in the South China Sea (same with Zhoumi).

[porgthespacepenguin]

1. How to setup 2FA on your accounts

As some of you may know, my friend @why-its-kai's Discord account was taken over this morning by a scammer.

The scam they used was this one, or close enough; but anyway, the exact specifics don't matter.

What matters is, it can happen to you. It can happen to anyone.

The good news is, you can learn how to protect yourself. Making some small changes can already improve your online security by leaps and bounds.

I made a series of 3 posts covering the basics:

How to setup 2FA on your accounts (you are here!)

How to spot a scam

How to set up a password manager.

Protect yourself with 2FA

Two-factor authentication, or 2FA, isn't a silver bullet -- but it exponentially increases your online safety by adding an extra step to the login process that a hacker/scammer does not have access to.

Every account that you care about (and even those you don't) should have some form of 2FA enabled.

Especially email -- should your email become compromised, this can become a catastrophe.

(For websites that don't support 2FA, use a burner email!)

What 2FA should I use?

2FA can take many forms, from the highly convenient (SMS, email) to the highly secure (security keys), but one thing is certain:

Any form of 2FA is better than nothing.

The simplest forms of 2FA are phone number or email. While these are very easy to use, they are unfortunately not very secure.

Still, I repeat: despite their flaws, these forms of 2FA are absolutely, 100% better than not having any 2FA at all.

On the other end of the spectrum, security keys (like for example a Yubikey) are extremely secure, but they cost money and are a bit of a hassle at time. I use them, but for most people, it's overkill.

What you want is an authenticator app.

Important

A note, before we go on…

If you enable multiple forms of 2FA, how secure your account is will depend on your weakest link.

For example, if you enable SMS authentication AND register a security key, your account will only be as safe as the SMS authentication. The security key is essentially useless.

In other words, the least secure form of 2FA you add determines the overall security of your account.

Sometimes, less is more!

Authenticator Apps

First, choose a free, reputable authenticator. Google Authenticator is a good choice. So are Aegis Authenticator or Microsoft Authenticator.

For simplicity, we'll go with Google Authenticator; the process is rather similar for most authenticators.

First, download the app from your app store and install it on your phone.

Enrolling Gmail into GA

Securing your email should be your number 1 priority, so let's enroll a Google account to Google Authenticator.

Let's enable two-step verification first.

Phone number is better than nothing, but not very safe (SMS verification can be spoofed), so let's click on "Add authenticator app".

Click on "Set up authenticator". Google will generate a QR-code.

Next, go back to your phone and click on the little multicolored cross. It will bring up a menu; click on "scan a QR code".

Go ahead and scan the QR code.

Congratulations, you have enrolled your Google account!

Now, whenever you are asked for a 2FA code, just open the app and copy/paste it.

Note: the codes are stored locally on your phone.

Enabling 2FA on Discord

The process is fairly similar. Go to Settings > My Account:

Click on "Enable Authenticator App". You will be prompted for your password. Enter it.

Download Google Authenticator if you haven't already. Scan the QR code as described above.

Do take the time to download your backup codes as well!

As explained above, I personally do not recommend setting up SMS authentication here, since authenticator apps are supported, as this weakens the overall security of your account for little benefit.

Stay tuned for parts 2 and 3!

If you have any questions, feel free to PM me.

[a-silly-poll-side-blog-yay]

Vent/rant

I was doxxed once by my sister because she hates me for specific reasons

{the only thing I'll say about it is that It's because I didn't defend her, we're one year apart and experienced domestic abuse, don't want to dig into this and it's just info for the context}

I found some site online this doxxbin or smth

It had my name, last name, phone number, address, list of my friends and my boyfriend's data

She also doxxed my best friend- created a burner account and spammed her address on hers and mine insta account in comments

Last year there was a situation:

Police came with papers to search my home and arrest me THE DAY BEFORE MY BDAY

I have strong police related trauma {might be PTSD because of the symptoms and I'm mid getting specialist help I needed}

Turns out that someone used my phone number to send online sms with threats to local authorities {3 ppl}

The police still have my old phone {+ sisters phone and laptop} and the case is still on

Later i got fired from my summer job because she made a fake insta account with my name and sent threats to my coworker

This year, january I had my first midterms

On the midterms day the class president approached me and said they need me in the office ASAP

I knew the possible reason and yep

I got resignation papers to sign and was shown an email from a burner account that I quit and will burn the college building

I said it's not me i didn't sign anything they contacted the police

I left to write the exams looking like bout to pass out

Most of my group is in their 30s to even 50s bc i study part time to find a job and move out with my boyfriend and they instantly stood after me defending me that this wouldn't be me

The class president still checks on me and this situation and that's wholesome

The last update from yesterday - police found something in one of the phones

Anyone who got this far in reading keep your fingers crossed that my sister will finally get the consequences of her actions

She's 20 this year and my family still infantiles her talking about her "poor child" or "sick child" (she has adhd and suddenly it's an excuse for everything bruh) has no job, disability papers and it doesn't seem like it's gonna change in any time

[al-kol-eleh]

I genuinely think civilian casualties in Gaza are under 10,000. 1) Look at the displacement of millions, all over the three main conurbations. You may not like it, but it has undeniably saved their lives. Now throw in the millions of SMS messages, phone calls, “door knocks” and tactical pauses the IDF have given to persuade civilians to evacuate. Hamas forcing people to stay behind notwithstanding, that has to have had some effect and this is seen in the numbers of evacuations. IDF soldiers tell me they’re fighting in ghost towns.

2) If we start with the 38,000-odd claimed, we can take off the 10,000 from random media sources and online reporting forms. Add in the compensation incentive for having lost a relative and those numbers lack any credibility. Let’s be *very* generous and give them half of that for bodies under rubble. That’s 33,000.

3) Now take off expected natural deaths in a population of 2.4million over 9 months. Call it 4,500. That’s 28,500 deaths.

4) Now take off Hamas fighters killed. Nobody credibly disputes that it’s in the 15-20,000 range at this point. All of a sudden that’s 8,500-13,500 civilian deaths. Add some leeway for Hamas’ famous over-reporting, and their stated strategy of maximising deaths, and we’re around the 10,000 civilian deaths mark.

And other than appeals to emotion and pictures of dead kids, I haven’t seen a credible counter to this argument yet. (And don’t even think about making me shred apart that joke of a Lancet article again.)

Andrew Fox

[fincrif]

How to Protect Yourself from Personal Loan Phishing Scams

In today’s digital world, personal loans have become more accessible, allowing borrowers to apply online and receive funds quickly. However, this convenience has also led to a rise in phishing scams, where fraudsters attempt to steal your personal and financial information by posing as legitimate lenders. These scams can result in identity theft, financial loss, and fraudulent loan applications in your name.

If you’re planning to apply for a personal loan, it is essential to understand how phishing scams work, the warning signs to look for, and the best ways to protect yourself.

1. What Are Personal Loan Phishing Scams?

A phishing scam is a fraudulent attempt to trick individuals into providing sensitive information such as bank details, Aadhaar number, PAN card, OTPs, or login credentials. Scammers typically impersonate banks, NBFCs, or online lending platforms and contact borrowers via emails, phone calls, SMS, or fake websites.

Once they obtain your information, they can:

Steal money from your bank account

Take a loan in your name

Misuse your identity for financial fraud

Access and sell your personal data on the dark web

2. Common Types of Personal Loan Phishing Scams

2.1 Fake Loan Approval Emails & SMS

Fraudsters send emails or SMS messages claiming that your loan has been pre-approved or that you qualify for a low-interest personal loan. These messages often contain links leading to fake lender websites designed to steal your personal information.

2.2 Fake Loan Websites & Apps

Scammers create websites and mobile apps that look like real financial institutions. They trick users into entering personal and banking details, which are then used for fraudulent activities.

2.3 Fraudulent Customer Service Calls

You may receive a phone call from a scammer pretending to be a bank representative. They claim you must provide your OTP, Aadhaar, PAN, or bank details to complete your loan application. Once you share these details, scammers can withdraw money or take loans in your name.

2.4 Loan Processing Fee Scams

Fraudsters promise quick loan disbursal with no documentation but demand advance processing fees or a loan insurance fee. Once the fee is paid, the scammer disappears, and no loan is disbursed.

2.5 Social Media Loan Scams

Some scammers advertise fake loans on Facebook, Instagram, or WhatsApp and ask potential borrowers to contact them privately. Once engaged, they request confidential details, leading to identity theft.

3. Red Flags to Identify Loan Phishing Scams

3.1 Offers That Sound Too Good to Be True

If you receive an offer promising guaranteed loan approval with no credit check, zero documentation, or extremely low-interest rates, it’s likely a scam.

3.2 Unsolicited Loan Messages

Legitimate lenders do not send random SMS, WhatsApp messages, or emails offering personal loans. Be cautious if you receive messages from unknown numbers or email addresses.

3.3 Fake Loan Websites

Before applying for a loan online, always verify the website’s domain name. Scammers often create fake websites with slightly modified spellings of real lenders to trick borrowers.

3.4 Requests for Upfront Payments

No genuine lender will ask for advance processing fees before loan approval. If a lender insists on upfront payments via UPI, Paytm, or Google Pay, it’s a scam.

3.5 Pressure to Act Immediately

Scammers create urgency by saying things like, "Limited offer – Apply now!" or "Your loan will be canceled if you don’t act fast." A real lender will give you time to review the terms.

3.6 Request for Personal Information Over the Phone

A legitimate bank or NBFC will never ask you for OTPs, passwords, or CVVs over the phone. If someone does, hang up immediately.

4. How to Protect Yourself from Loan Phishing Scams

4.1 Apply for Loans Only from Trusted Lenders

Always apply for a personal loan through registered banks, NBFCs, or reputed online lenders. Here are some safe options:

🔗 IDFC First Bank Personal Loan 🔗 Bajaj Finserv Personal Loan 🔗 Tata Capital Personal Loan 🔗 Axis Finance Personal Loan 🔗 Axis Bank Personal Loan 🔗 InCred Personal Loan

4.2 Verify the Lender’s Website

Check if the website URL starts with "https://" (secure site).

Look for official lender details on the RBI website or lender’s official website.

Avoid websites with poor design, spelling errors, or unusual domain names (e.g., "axisbankloans.xyz" instead of "axisbank.com").

4.3 Never Click on Suspicious Links

Do not click on links in unsolicited emails or messages claiming to be from a bank or NBFC. Instead, visit the official website by typing the URL manually.

4.4 Avoid Sharing Personal Information Online

Scammers may ask for your Aadhaar, PAN, or bank details via email, phone, or WhatsApp. Never share sensitive information with unknown sources.

4.5 Enable Two-Factor Authentication (2FA)

Use 2FA on your banking and email accounts to protect against unauthorized access. This adds an extra layer of security if your password is compromised.

4.6 Check Reviews & Ratings Before Downloading Loan Apps

Before installing a loan app, check:

App permissions (Avoid apps that ask for access to contacts, photos, and messages).

Reviews and ratings on Google Play or App Store.

If the app is registered with an RBI-approved lender.

4.7 Monitor Your Bank & Credit Report Regularly

Check your credit report and bank statements for unauthorized loan applications or suspicious transactions. If you spot any fraudulent activity, report it immediately.

5. What to Do If You Are a Victim of Loan Phishing?

If you have fallen victim to a loan phishing scam, take these steps:

1️⃣ Contact Your Bank Immediately – Report any unauthorized transactions and request to block your account if necessary. 2️⃣ Change Your Passwords – Update your internet banking, email, and loan account passwords immediately. 3️⃣ File a Cyber Crime Complaint – Report the fraud to the Cyber Crime Portal (www.cybercrime.gov.in) or call the National Cyber Crime Helpline (1930). 4️⃣ Report to RBI & Consumer Forum – If you have been tricked into a fake loan scheme, report it to the RBI and National Consumer Helpline (1800-11-4000). 5️⃣ Monitor Your Credit Report – Check for unauthorized loans taken in your name and dispute them with credit bureaus like CIBIL and Experian.

Stay Alert & Borrow Safely

Personal loan phishing scams are on the rise, but you can stay protected by being vigilant. Always verify loan offers, apply only through trusted lenders, and avoid clicking on suspicious links.

For safe and secure personal loan options, apply here: 👉 Compare & Apply for a Personal Loan

By staying cautious and informed, you can protect yourself from loan fraud and ensure a safe borrowing experience.

[glitterypin]

in 2016, three of my all time favourite celebrities died. first david bowie, then alan rickman, then leonard cohen.

the way I found out about all these three is that all three times, my sister called me to tell me. because somehow, even though I am the chronically online one, she came across the news first, all three times.

since 2016, my sister has called me a few more times to report a death, but it's usually family friends or distant family members (though, it might be worth mentioning, nobody else in my pantheon of favourite famous people has died since 2016, I expect if someone had, the chance that my sister would be the one to break the news to me would be very high indeed. I also haven't lost anyone very close to me in that time, the only deaths to make me cry in these years were those of my grandparents and a friend of my mum's and it was my mother who let me know about those). She has also called a significant number of times to deliver bad news, such as "dad and [my dad's wife] broke up" and "dad tried to kill himself" and "I fell and hit my head and I got eight stitches" and "I crashed with my scooter and I need money to fix it" and so on.

Sometimes I get a little panicked when my sister calls me. I see her name on the Caller ID and I feel a dread coming over me and I answer the phone with "what happened??" and she's always annoyed and going "nothing has happened! why are you like that? I just called to see how you're doing" etc etc.

So, my sister called me last Saturday at half past midnight. I wasn't asleep, I'm very rarely asleep at half past midnight (though I believe she usually is) but even if I'm always still up at that time, I still consider it a godawful hour to make social calls. At our age, the phone suddenly ringing past midnight is never for a good reason. If you want to make a social inquiry at that time, you text - and even that you do on an app, you do not send an actual SMS.

I answered the phone fully preparing myself for the possibility that our mother is at the very least hospitalized.

Turns out my sister saw a recipe for lebkuchen and she wanted to ask me to make her some. She's convinced I've made lebkuchen before, ten years ago, when we were living together. I have never made lebkuchen in my life, I only ever got store bought from Lidl. Whatever, she says, she wants lebkuchen, homemade, will I make some for her? Whenever. Just. Lebkuchen. At half past midnight. Because, and I quote, "I knew you wouldn't be asleep".

any and all input is appreciated, thanks.

[payblogs]

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[iove33]

Killua x reader ( assassination) I’m not Proof reading so 🤞

Your pov : 🐱

“Fuck…” you say getting out of bed and walking into the bathroom of your apartment every night you put on serums and creams to make your nightly routine. “…And 100 “ you say sarcastically “ok I’m done , now I just need to brush and braid my hair and brush my teeth then I can go back into bed.

While brushing your teeth you feel uneasy as if a tsunami or a stalker was coming for you you hurry and spit out your tooth paste washing it down with water and then walk to your door it almost felt like a horror movie you check quickly and it’s unlocked you lock both locks and walk to bed laying on your king sized bed your cat hops on a starts nuzzling your arm that was left out of the little ball you rolled your self in almost like a Rollie Polly .

His pov : 🙈

My hit list was nearly complete , one left it wasn’t a big deal though some girl was pissed at her so she got a hit that couldn’t be reached back to her it was just a 21 year old girl ( killua is 23 in this ) living alone she shouldn’t be very hard to kill (or so he thought 🙈🙊) . She was on the top level so I get to the top of the roof apparently there was a sky light in her bathroom it faded her counter were I saw her brushing her teeth she couldn’t see me though after a while she got a paranoid look finished and locked her door , I could’ve slit her throat by now but I didn’t want to she was mesmerizing even in her nightly mode the way her hair looked in braids made her cheeks look brighter and her eyes look cooler. She was walking back to her bed . I didn’t want to though the girl already paid I’d get shit abt this if I didn’t kill her so I dropped through the sky light landing quickly I hid in the shower just in case because I still heard the sound of her phone .

Your pov :😜

As soon as it hit 12 you got urges to make shit like fairy mirrors and bracelets that’s how you knew it was time for bed. You set and alarm for 6 am and played some music to fall asleep.

You fell asleep .

Killua’s pov 💦

Finally the blare from her phone stopped and I heard music and soon enough I knew she was asleep . I could finally get out of the tub I open the shower curtain and step out , I walkout beside her bed “fuck it “ i stash my knife and come back out the sky light “ I’m gonna here sm abt this” I walk quickly to my own house (it’s low key a masion ) I go online and transfer the money back to the girl I’m not gonna kill her .

Your pov : 🤞

“ its 6am Alr I’m dead “ I get up and clip my hair back starting with my make up then started curling my hair and finally change into a cute outfit you work as a waitress the only uniform is a  apron and name tag other than that u can wear whatever “ ok and it’s 6:49 time to go “ I walk out the door locking the door and and grabbing my keys i walk in and go to the back to clock in and get my apron on after it’s exactly 7:13 I switch with my co worker chelsey she’s a bitch . 2 hours later I go on break even then I’m asked to do things I’m forced out a little early and I see the cutest guy immediately I rush over to serve him “hi there my name is y/n what would you like !” ( the ! Is meant 4 like customer service voice ) .

Killua’s pov : 🔥

He looks up from his phone to see you the girl he almost killed “uhh let me get a coffe , some chicken tenders , and your number ? “

He asks you , you smile at him and say right away . After a couple minutes you walk out handing him his food drink and a napkin with you number “enjoy your food call me later “she says “ will do “ I say .

I finished my food and asked for the bill she brought it out and ran my card then I left happy about my success .

Your pov : 😭

Aww he left already 😔. You finish your shift and go home finally there you flop on the bed. You had fell asleep but was awakened by the noise of ringing it was him he asked if you wanted to go to dinner * he had been debating whether or not to call her * “ yea ofc!” You answer and get ready you wore a red dress and got in you car and met him he then drove you to a fancy restaurant.

Killuas pov : ☀️

Here I am getting dinner with the girl I was supposed to kill but who could blame me she was magical . I ordered and steak w a red wine and she ordered ( get wtv u want ) and red wine as well . We finished the got dessert then I paid the bill . She held my hand as we left and gave me a quick kiss before getting in the car and I drove her to her car and she went home .

Im lazy so I might make a part two but wtv🙈