Studies show that people tend to spend more on gift cards than on gift certificates. The average gift card in 2004 was $50, which was twice the amount people would spend on the average gift certificate. Although gift cards seems to be more popular than gift certificate, plastic still hasn’t completely killed paper yet. Gift certificate can still be purchased in various amounts, and are good at various shopping, dining, and...

From Wiki, “Whether in the form of the consumer attempting to defraud the telephone company, the telephone company attempting to defraud the consumer, or a third party attempting to defraud either of them, fraud has been a part of the telephone system almost from the beginning.” Wikipedia has a nice section on phone fraud that you should check out. They break it down into fraud against users and fraud against phone companies....

Wikipedia defines fraud as a deception made for personal gain. We all know that fraud is a crime and a civil law, but that of course will not stop people from engaging in fraudulent activities. In this society, fraud protection is a necessity. One day, if someone you don’t know wants to pay you by check but wants you to wire some of the money back, be careful, it might be a scam that could cost you thousand of dollars. You want to...