The Dark Side of a Once Respected Organization: WHO’s Guidelines on Sex Education in Europe Pose a Genuine Threat to Children

Many people are increasingly mistrustful of local or national government over abuses regarding free speech, excessive spending, corruption, or other misdeeds, and may naturally be even more skeptical of global agencies seeking to influence or control multiple nations, especially when those agencies seem to be aligned with forces or nations that oppose the principles of freedom enshrined in the US Constitution. But how can any of us maintain any trust in the once-respected World Health Organization in light of what they are pushing regarding sex education for our children? Their new standards seem to undermine parent-child relationship and urge adult educators to indoctrinate children in their earliest years (0 to 4) with teachings about the childhood masturbation, gender identity, and sexual rights that may be completely counter to the desires of marginalized parents.

The WHO Collaborating Centre for Sexual and Reproductive Health on their page, “Standards for Sexuality Education,” has links to their new PDF document in multiple languages on sex education guidelines for Europe. The link to the English PDF is at https://www.bzga-whocc.de/fileadmin/user_upload/BZgA_Standards_English.pdf.

Here is some explanation from “Standards for Sexuality Education“:

The framework Standards for Sexuality Education in Europe (Standards) presents the concept for holistic sexuality education and includes information on the themes relevant for children and adolescents in the various age groups.

The Standards provide practical guidance for preparing proper curricula. They can also be used to support arguments for introducing holistic sexuality education in the European countries of the WHO Region.

Target groups: political stakeholders, healthcare authorities, and professionals working in the fields of education and healthcare.

Parents are not listed among the target groups, possibly because most parents would be shocked to see what the elites behind this document think is appropriate for young children.  While may be some good ideas in these standards, there are dangerous elements that may be harmful for children. Let’s look at the “matrix” provided for the youngest age group, zero to four years.  The portion of the “matrix” on sexuality for ages zero to four years comes from page 40 of the English PDF document, “Standards for Sexuality Education in Europe“:

I’ll also show three more sections from pages 40-41, again for the very youngest group of children:


Here is a table with three of these sections in case the image is hard to read (emphasis mine):

0-4 [Years]

Information
Give information about

Skills
Enable children to

Attitudes
Help children to develop

Sexuality
  • enjoyment and pleasure when touching one’s own body, early childhood masturbation
  • discovery of own body and own genitals
  • the fact that enjoyment of physical closeness is a normal part of everyone’s life
  • tenderness and physical closeness as an expression of love and affection
  • gain an awareness of gender identity
  • talk about (un)pleasurable feelings in one’s own body
  • express own needs, wishes and boundaries, for example in the context of “playing doctor”
  • a positive attitude towards one’s body with all its functions = positive body-image
  • respect for others
  • curiosity regarding own and others’ bodies
Sexuality, health and well-being
  • good and bad experiences of your body/what feels good? (listen to your body)
  • if the experience/feeling is not good, you do not always have to comply
  • trust their instincts
  • apply the three-step model (say no, go away, talk to somebody you trust)
  • achieve feelings of well-being
  • an appreciation of their body
  • the awareness that it is ok to ask for help
Sexuality and rights
  • the right to be safe and protected
  • the responsibility of adults for the safety of children
  • the right to ask questions about sexuality
  • the right to explore gender identities
  • the right to explore nakedness and the body, to be curious
  • say “yes” and “no”
  • develop communication skills
  • express needs and wishes
  • differentiate between “good” and “bad” secrets
  • an awareness of their rights which leads to self-confidence
  • the attitude “My body belongs to me”
  • the feeling that they can make their own decisions

 

Notice how many times parents are mentioned in these guidelines. Noticed how many times educators are encouraged to tell children to turn to their parents for guidance and help.

So the WHO wants various strangers in schools and perhaps other institutions talking to toddlers about masturbation? And their “right” to explore various gender identities? Do we want random adults to teach our kids that the standard for what is good or bad is what feels good? That’s how you tell right from wrong and decide when to say yes or no? Do we want these adults telling little kids that “physical closeness” from someone else (say, a coach, teacher, or other authority figure) is just a healthy expression of love and affection? And that they “do not always have to comply” IF it doesn’t feel good?

When I quoted a couple of these items to an alert mother I trust, her immediate response was, “They’re groomers!” She was outraged. And that’s when it hit me: these guidelines are hard to fathom as just accidental foolishness from over-educated elites who don’t understand the threats our children face, which was how I was tempted to view it initially. Rather, the guidelines make more sense if they are coming from people who are disconnected from the challenges and joys of family life and parenthood, who think the State needs to take over the role of parents to transform and reprogram children, unaware of the harm to children that such an approach can bring. It’s also possible some of the people behind this effort may sense some kind of benefit from corrupting children, whether they are groomers, profiteers, Marxist radicals seeking to destroy religion and middle-class opposition, or just bitter sociopaths. These are not the things that normal healthy people with a respect for the institution of the family would push onto children. Something is very wrong here.

One of the things that is wrong is downplaying the role of parents, if not overriding the duty of parents to shape and guide their children. On page 40, the document recognizes the “informal role” of parents in sex education and also note their general inability in Europe to opt out of sex education for their kids, which is fine for parents, we are told, because they aren’t comfortable doing it themselves. The existence of parents is acknowledged in several places, mostly to indicate their need to be supportive, but the “matrix” of guidelines for various age groups essentially ignores their fundamental role and rights in sex education. It’s obvious that this document is all about other adults, all tools of the State, shaping the views and behavior of children in all aspects of sexuality from their earliest days into adulthood. Of course, this is already happening in many parts of the world and in the US. Do parents understand that adequately? Do they understand what can go wrong?

One of the key tools for actual groomers and pedophiles is to encourage children to keep secrets from their parents and to trust other adults rather than mom and dad. Here we have guidelines that totally leave parents out and will obviously go against the wishes of many parents. The instructors are being told to help kids know that there are “good secrets” that they can have with respect to sexuality — no need to tell parents about any of this, right? They are told to turn to “somebody” that they trust when they have questions or concerns, say some non-parental authority figure, perhaps? After all, it’s their body and they can make their own decisions at ages 3 or 4 (like deciding if one is a girl or boy — again, no recognition of parents having any role in such vital decisions). They tell children that masturbation and physical closeness with others (adults other than parents?) is normal and pleasurable and that the standard to follow is not any form of absolute morality, rules from parents, or principles from one’s faith, but whether something feels good or not. But no need to worry about groomers, for the kids will also be told that if something doesn’t feel good, they don’t always have to comply. Not always! So there’s that safety valve.

Parents are right to wonder what a molester or groomer could do with these guidelines. But even if the schools only hire moral, decent teachers and coaches, if they follow these guidelines, great harm can still done through what is taught and how it’s taught. Having kids at age three or four learn about masturbation is sick. Having them get used to talking to random adults other than mom or dad about sexuality is wrong. The guidelines read like a handbook for groomers. Is there a more charitable but accurate way to put it?

No, I am not saying anything about any alleged conspiracies of pedophiles, but there is such a thing as pedophiles, and there is such a thing as danger to children, and when what is being taught to children undermines the protective principles that wise parents want to teach, then something very ugly is taking place. I am also not saying that any of the motivation for the WHO to support the push to have young children question their gender has anything to do with powerful companies that make huge profits by convincing young people that they need drugs or surgery for the lengthy and expensive process of transitioning, though that is probably something worth exploring. I don’t know the motives behind the guidelines — that may be the field of wild conspiracy theorists — but I can see what the guidelines are and can recognize that there is great evil and danger in what they are doing. No conspiracy theories about vile secret societies are needed. The public actions of this vile public organization are enough for all of us to object.

Perhaps some corruption and greed or perversion is behind these guidelines and some of the movements that all seem aligned along a common deviant direction. Perhaps we need to explore the funding of the WHO and who influences it. But just because, say, a rich billionaire with some ties to, say, Jeffrey Epstein or other perverts could theoretically be a WHO influencer and major funder absolutely does not mean that some secret shenanigans were at play. Nor does the involvement of people associated with the abortion industry such as the International Planned Parenthood Federation (IPPF), who provided some of the sexual “rights” alluded to in the document, mean that the interests of that industry are being served. But there may be fruitful data somewhere to help us understand why such troubling agendas are being pushed from so many angles.

Many parents in schools across the country have become alarmed at the content their children are being exposed to, whether it’s from once-trusted entertainment sources, “family friendly” activities with gyrating drag queens, classroom and media indoctrination regarding sexuality, encouragement for little kids to identify as the opposite gender without letting parents know, and teaching such blatantly unscientific doctrines as “doctors just guess your gender at birth.” It seems like many aspects of our society, from the schools to movie makers to the US government are suddenly supporting radical doctrines on sexuality that can have harmful effects on young people. Now we see WHO coming out to push nations to accelerate the efforts to change the mindset of children in ways that will make parents less influential in the crucial area of preparing children for their roles in life. For those villains who genuinely delight in corrupting children, these standards may play into their desires or lusts. There is genuine cause for concern.

But wait — this document is for Europe. This kind of thing, woke sexual ideology being pushed on kids without the ability for parents to opt out, that isn’t about to happen in the US, right? Tell that to the parents of, for example, Montgomery County, Maryland, where Muslim and Christian parents, including Latter-day Saints, found that the school district rescinded the right to opt out when too many parents objected to the pro-LGBTQ ideology was being pushed on very young children. A broad coalition of parents sued, claiming that their freedom of religion and parental rights were being threatened, but a Federal judge didn’t see any problem and upheld the power of the school district to trample parental rights. It’s a telling example of the use of the power of the State to compel objectionable ideology being imposed on children against the wishes of patents. It’s going to get worse if you remain silent and inattentive. Why has this become such a huge movement in the West? Is this just a random fluctuation in social norms, or is something deeper going on? That’s a topic for further research and study, but it’s not a healthy sign.

One step for today is to prepare your children for the indoctrination they will face. Make sure they understand the importance of families, the sanctity of life, the divine gift of sexuality that God has given us, and the sorrows and loss that sexual immorality brings. Give them the tools to resist the teachings of the world and to understand the importance of morality, of turning to parents rather than strangers to get answers about some of the most vital and sensitive issues in life. Talk to your children about the unscientific lies and distortions they will hear in years to come and give them knowledge and faith to resist. For those of you who share my faith as a member of The Church of Jesus Christ of Latter-day Saints, teach them frequently from the inspired principles in “The Family: A Proclamation to the World.”

Being involved in your community can also make a difference. Speaking out, teaching, and sharing information can help.

Let’s not despair and do more to support that which is good and resist that which is evil. But wow, I never thought I’d see such vile material coming from the once-respected WHO. Who’s running the show over there?

By |2023-09-02T17:04:53-07:00September 2nd, 2023|Categories: Education, LDS, Relationships, Religion, Safety, Scams, Society, Surviving|Tags: , , , |Comments Off on The Dark Side of a Once Respected Organization: WHO’s Guidelines on Sex Education in Europe Pose a Genuine Threat to Children

My Failed Health Share Experience: Liberty Healthshare

Free at last! Escaped Liberty Healthshare

Free at last! I escaped Liberty Healthshare

When I came back to the US after nearly a decade in China, one of my first steps was trying to get health insurance. After calling multiple health insurance specialists and finding that none of them wanted to talk to me and that the only way, it seemed, to get insurance was to go to the government portal and register there, I decided I had to comply and so tried signing up for insurance under the Obama Care program by going to Health.gov to register.

To my surprise, even though I had maintained a U.S. address (the house we rented out while away) that was used on the tax returns we filed every year while in China and for many years before we left, the Health.gov system could not identify me. My address, social security number, prior addresses, and other information it required were not enough to verify that I am a US citizen able to register for health insurance.

After trying many times to register with the system, I finally called their tech support and spent two more hours on the phone as the technical support agent walked me through various attempts, all of which failed. Finally he said, “Yeah, sometimes this just happens.”

For a law-abiding citizen trying being denied insurance after many attempts, being told that “this just happens” to some people is not very satisfying. I asked what I could do. “Well, I guess I could try calling the developers at Experian.” “Yes, please do.” So he put me on hold as he attempted to call the developers. A few minutes later — those familiar with the health care industry in the US will see the punchline coming — the line went dead. That was the end of my quest for US insurance.

Fortunately, I still had coverage for a while as long as I could be treated in China, but when we moved back for good to the US, I definitely needed some kind of coverage. Having been abandoned, so I felt, by Obama Care, I considered some of the “health share” programs out there. The first one I tried, Medishare, required its subscribers to agree to a specific declaration of religious belief regarding the nature of God that wasn’t really in line with my version of Christianity, so I was excluded. Then I learned about Liberty Healthshare which was referred to me by a friend. They also were a “ministry” and thus required a religious statement, but it was one I was comfortable with. The program sounded like it would provide catastrophic coverage and some other benefits that was in line with my needs, so my wife and I joined. After about 19 months, we were realizing that it didn’t work as promised. My annual health care exam, part of which was covered, took over 8 months to pay when they had promised it would be within 6 months. And then I found that having Liberty Healthshare made medical care cost more, not less. I needed to get an echocardiogram, for example, and after carefully pricing it because I knew it would be paid out of pocket (“self-pay”), I was surprised to be billed for a much higher level than I had been quoted. It was because the health care provider views health share programs as a form of insurance and so bills you are the regular inflated rate, not the self-pay rate, even though Medishare instructs us to tell the provider it will be safe pay and that we don’t have insurance, since they are not an insurance company. But it looks like insurance to the provider when they note our enrollment in some database they use, so we pay high rates. Meanwhile, a real insurance company can negotiate the rate, and Liberty tried to by quoting the Medicare-approved rated for the procedure, but the provider does not recognize Liberty Health as a valid insurer or someone they have a contract with, so we get the high rate for looking like we have insurance and can’t get the negotiated reduced rate because we don’t have actual insurance. A 44% discount evaporated because I had that nearly worthless health share program.

That’s when we realized it was time to try again to get real insurance. My wife was able to find an agent who could help us, and as of January 2022 we began real insurance again. I called Liberty in November to cancel. They sent me an email saying that the only way to cancel is to send an email to [email protected]. I did this, but did not hear back. So I sent it again. Eventually I would learn that this email address was broken, at least for a while, so my request was never received. Fortunately, Liberty did call me on Dec. 21 to ask if I still wanted to cancel. I was shocked that they had not received my emails, but upon searching saw I had received an error message indicating that the account did not exist! But I was able to cancel over the phone then, and was assured I would not be billed in January.

On Jan. 2, I saw that I had just been billed again by Liberty. I called on Jan. 3, a Monday, and complained. It took a couple of hours bouncing around, but they finally admitted they had made a mistake and that I should receive a refund to my credit card in 3 to 5 days. Initially they said they would issue a check, but I knew what that meant: 8 months or more, so I insisted they make a refund directly. Took some doing, but they agreed.

One week later, still nothing, so I called again on Jan. 10. “Oh, it’s the holiday season. We’ve had delays, but now you’ll get your refund in 3-5 days.”

One week later, still nothing. Called again and was told a manager would call me back that day. Never happened. The next day I called again and learned that they had just submitted my refund request, which had not happened as promised on Jan. 3, or as reiterated on Jan. 10. For over two weeks they had me believing that my refund request has been submitted and my reimbursement was about to show up, when that was all fiction somehow. Now can I expect that the refund actually will happen in a few more days? Not holding my breath.

A big mistake in this was relying on an acquaintance’s recommendation. To be more thorough, I should have checked Liberty’s reputation at TrustPilot.com: dismal! 100% of the reviews are negative. In spite of all the reviews giving just 1 star, TrustPilot mercifully gives them an average og 1.6 stars.

By the way, after explaining the failure of their email for cancellations several times, I was assured that it was probably just a temporary glitch. So a few minutes ago,  sent them a message again at [email protected] (the address you are told you must use to cancel your service) and quickly got this error message back when the email bounced: “Diagnostic-Code: smtp; 550 permanent failure for one or more recipients.”

“Permanent failure for one or more recipients” — that’s about the most appropriate automated response I can think of for this company.

By |2022-01-20T13:38:05-07:00January 20th, 2022|Categories: Finances, Health, Products, Scams, Shopping, Society, Surviving|Comments Off on My Failed Health Share Experience: Liberty Healthshare

Surviving Bank Theft in China: What to Do Immediately When a Thief Robs You with an ATM Machine

If you have taken my advice elsewhere on this site, your bank account is already set up to alert you by text message whenever there is activity such as an ATM withdrawal. But what do you do when you get the dreaded message that a large unauthorized withdrawal has just been made on an ATM machine somewhere in China or elsewhere? Sadly, few victims know about an important defensive action to take at that moment that will increase the odds of prevailing in court if your bank, like many banks in China, refuses to refund the money that was stolen from you.

Court? Really? Yes. Unfortunately, Chinese banks may actually accuse you, the victim, of having given your card to someone else to use in the usually distant city where the theft takes place. “How do we know you didn’t take the money out yourself, or give the card to an accomplice to take it out? You’re trying to cheat us!” The bank sometimes won’t even cooperate by providing you the recorded images or video of the person who made the illegal withdrawal, or providing other forms of information they might have that would show this was a criminal act unrelated to you. It’s up to you to prove that you are innocent, without any help from them. What to do?

My advice is simple: the moment you get notice of unauthorized activity, RUSH to the nearest ATM machine, use the ATM card for the account that was just robbed, and make a deposit, a transfer, a withdrawal, or some other action. Stare into the camera monitoring the machine and make sure your face is visible. Your goal: create a record about the location of you and your card at that moment. For extra protection, hold up a sign with your name and the date, maybe holding your photo ID near the camera, and also show your ATM card before and after the transaction (perhaps unnecessary since it will be read and recorded, but this will verify that it’s an ordinary card you are using). The point is to create a record showing that you and your card were in your neighborhood very near the time of the theft, ruling out the possibility that you or your card was in, say, the backwoods of Guizhou province at the time. With this approach, one Chinese man recently successfully overcame the ridiculous defense of his Chinese bank in court and was able to have the judge demand that the bank reimburse him in full for the large unauthorized theft from his account. Just in case, take your card to another ATM machine from a different and do this again. Maybe it helps if one of the ATM machines you visit is associated with the bank whose account was hacked. Create at least two records. In the process, have someone take a photo of you on your camera as you are holding your card (maybe cover the last couple of digits with your fingers) and do that with a background that is easily recognizable (street signs, famous landmark, etc.) and then text it to someone you trust to create an electronic record. These forms of evidence may be helpful in proving your innocence so that the bank will be held accountable for allowing someone to hack your account.

There are thieves out there who use your scanned card and stolen PIN to make bogus duplicates and suck your money out. Sometimes money gets sucked out from your account with inside help from crooked employees. However you are robbed, be ready to swiftly create evidence that can help you in court. Further, defend yourself by using your card as little as possible. Every transaction could result in your data being given to thieves. Always shield your PIN entry. But even that won’t help when an ATM machine has been hacked and is sending data to a thief. Keep lots of cash on hand and use only a few trusted ATM machines in well monitored locations like inside banks to reduce the risk of using a bad machine.

Don’t let large amounts accumulate in your accounts, either. Diversity your resources and don’t risk losing everything if a bank goes belly up, an account is hacked, or you make a ridiculous mistake like leaving your card in an ATM machine and walking away while the terminal is still actively connected to your account (I know someone that happened to, and someone stepped in and just started helping themselves to their money).

One more thing: Be sure to call the bank and report the theft as soon as you’ve created the evidence you’ll need to show where you and your card were located. Hopefully they will work with you, but if you have to sue, it will take several months and once the award is ordered by the judge, they may still drag their feet for a few months. Sigh. One of the challenges of surviving China.

By |2016-10-24T05:57:53-07:00September 24th, 2016|Categories: Business, China, Safety, Scams, Society, Surviving|Tags: , , , , , |Comments Off on Surviving Bank Theft in China: What to Do Immediately When a Thief Robs You with an ATM Machine

Facing the Real Risk of Theft from Your Bank Account in China

An increasing number of friends are reporting troubling cases of theft from their China bank accounts. One friend, after years of working in China and saving every penny, was preparing to return to the US, but suddenly every penny in her ICBC bank account was stolen. The ICBC bank officials told her that someone had a copy of her card and had taken the money out. She asked how this was possible without knowing her password. No explanation was given, except that it was somehow her fault. She spent five days arguing with them and got nowhere. They said that the thief could have been working with her to perpetuate fraud on the bank, so why should they refund her money? Her only option now is to sue, but she has to go back to the US soon and fears she won’t have the ability to pursue the case. But we’ve encouraged her to work with a lawyer to fight this. She will, and I hope to have good news to report sometime.

Her story has almost exactly the same set of facts that we find in a chilling account, “How I sued the world’s largest bank and won” at Shanghaist.com. In this case, it was a smaller amount, 15,000 RMB that was taken from the author’s ICBC account. He encountered the same helpful consumer service policies and attitudes, and was forced also to sue for something that was clearly not his fault. He won, and it only took 7 months and some modest attorney fees to get his money back.

If you have a bank account with an ATM card, there is a real risk that one day money will begin disappearing from your account. There are some very high risk factors in China you need to understand:

1) The daily limit for ATM withdrawals is much higher than it is in the U.S. and Europe. A thief typically can take out 20,000 RMB a day (over $3,000), which is 5 to 10 times higher than typical US limits.

2) The daily limit may not be over a 24-hour period, but may be based on the calendar date, so if that applies to your bank, then a thief can take 20,000 RMB out at 11:55 pm, and another 20,000 RMB out at 12:05 PM.

3) Banks in China often don’t have effective anti-fraud protection.

4) There are many thieves with card copying or card scanning devices who can make a duplicate of your card. If they or a small video camera can watch you enter your password, having your account number and your password leaves you defenseless.

5) Thieves can sometimes pull money out of your account without using your password. I don’t know how this happens, but it has happened to multiple people in China, and it happened to us with our US bank.

6) When someone pulls money out of your account without knowing your password, it should be the bank’s fault and they should reimburse you. But consumer service attitudes and policies may not be identical to those in your home country. China banks may tend to blame the customer and argue that maybe the thief was collaborating with you, so they might not cooperate unless you take them to court. You can sue and win in China, but it will take a lot of work and the help of an attorney.

Because money in the bank is so vulnerable, I suggest several best practices:

1) Do not keep large amounts in any single Chinese bank. Move a lot of it into US accounts without ATM cards or with two-part authentication, and keep plenty of cash.

2) Use your bank cards as little as possible. Instead, use cash to make payments when possible.

3) Do not let employees walk away with your bank card (they might run it through a card copier device of some kind). Keep your eyes on it.

4) Do not let your card be scanned in any place that seems questionable or seedy.

5) When using ATM machines, look for unusual devices, small video cameras, etc., that might have been added.

6) Keep good records of where you have been so that if the bank says it must have been you that pulled all your money out of your account in, say, Harbin, you can prove you weren’t in Harbin that day.

7) Monitor your bank account frequently, and make sure you receive automatic text messages when money is taken out of your ATM.

8) When you do find a problem, document in detail who you spoke with, what you said, what they said, etc. You will needs lots of documented details if you have to sue the bank to get back missing money.

9) Avoid trusting your money to any bank that has a bad track record of protecting the money of its customers. If you know of banks that have performed well in this regard, please let me know.

These problems are not unique to China, but they seem to be a lot more frequent here and more severe, especially with the high daily minimum that thieves can take out.

If you do online banking, your risks are also high due to hackers. I suggest you use complex passwords that you change often, and only use secure computers to access your bank accounts. It’s good to have a cheap computer that is never used for browsing but only for bank access, and even then keep good firewall and anti-spyware software on it, keep it updated, use more secure browsers like Chrome or Firefox, and don’t use untrusted wifi networks to access your accounts. For added security, use VPN when you access your bank account.

Don’t keep all your money in any one account, and keep a wad of cash somewhere, too. Thieves can get everything, but we shouldn’t make it easy for them.

By |2017-10-24T07:05:04-07:00June 17th, 2015|Categories: Business, China, Finances, Internet, Investing, Scams, Shanghai, Shopping, Surviving, Travel tips|Tags: , |Comments Off on Facing the Real Risk of Theft from Your Bank Account in China

Beware Fake Rental Fapiaos (Receipts) in China

Many expatriates living in China receive housing stipends that cover at least part of the monthly cost of rental here. In expensive cities like Shanghai, getting your housing stipend can be essential. Your reimbursement, though, requires that you provide a “fapiao” (official receipt from the government) which shows that taxes have been paid. The tax rate right now is 5%, so your fapiao of, say, 8,000 RMB costs your landlord 400 RMB. Your employer then uses the fapiao for some kind of tax benefits in reimbursing you. If you don’t provide a proper fapiao, you generally won’t get your housing stipend.

A few things can go wrong on this process. Make sure you know exactly what name your company requires to be on the fapiao. For me, it has to be the proper legal name of my company, not my name and not other commonly used versions of my employer’s name. One time my landlord bought several months’ worth of fapiaos all at once, but used the corporate name I pointed to on my business card instead of the official legal name, and I ended up having to pay for new fapiaos out of my pocket. In that process, though, I learned that getting fapiaos involves going to a local tax office, showing your rental agreement and your passport, and then simply paying 5% of your rent to buy the fapiao.

Also make sure you get fapiaos by the month. Your company will generally want one for each month, not one for three months at a time, even if you pay your rent once every three months as I do.

A more troubling problem you may encounter is fake fapiaos. Fake receipts? Yep, it happens, and is an easy way for an unscrupulous person to make some quick money. This may happen when a real estate agent, after closing the deal for your apartment, offers to save the landlord the trouble of getting fapiaos. The agent may have a friend allegedly at the tax bureau who can help you get the fapiaos easily. If the agent doesn’t need a copy of your rental agreement, that’s a clear sign that something is wrong. I don’t know if the seemingly official fapiaos are printed on stolen receipt paper from government offices or are just really good forgeries, but they look like the real thing and businesses may accept them and reimburse you, but if there is an audit or careful investigation, they may discover that the fapiaos are fake and you may then be denied your reimbursement.

For Shanghai folks, you can check to see if your fapiao is real or not using a government website [this is now an archived page — check with Chinese friends for the latest link]. It’s in Chinese, so you may need help doing this.

If you are getting fake fapiaos, let your landlord know. It can hurt their credit and their reputation with the government. It may end up hurting you. The crooks who are stealing your money (and stealing tax money from China) with fake fapiaos need to be stopped. Of course, your agent or whoever gave you the fake fapiaos will be shocked that their friend in the tax office made some kind of error. Maybe they knew, maybe they didn’t, and maybe it was all an innocent mistake, but given the easy money to be made, chances are someone is just pocketing the money, and not pocketing it accidentally.

Unfortunately, one acquaintance of ours says that she got fake fapiaos by going to the fapiao office her business told her to use. I think this was an official fapiao office but I need to confirm that. Whether it was an accident or intentional theft, you need to recognize that there is a possibility that the fapiao you get is fake. Check to make sure they are legit, and try not to get too many months of fapiaos all at once in case there is a problem with them.

By |2017-12-05T06:36:45-07:00May 18th, 2015|Categories: China, Finances, Housing, Products, Scams, Shopping, Surviving|Tags: , , |Comments Off on Beware Fake Rental Fapiaos (Receipts) in China

Beware Counterfeit Money from ATMs: It Can (Rarely!) Happen in China

Two good friends of mine were traveling in Beijing recently and took out several thousand RMB from a Bank of China ATM machine in the lobby of a popular international hotel chain with a great reputation. Later that day, when they used their cash to pay a cabbie, he checked the bill they gave him and declared it was fake. They tried several other bills and all were fake. They didn’t believe the cabbie. They later went to a restaurant and had their bills rejected. They went back to the hotel and confirmed that the bills were fake, but the hotel said it wasn’t their fault and the bank claimed that it wasn’t possible for fake bills to be issued from their machine.

I’ve read of others encountering fake bills from ATMs, usually with the insistence of the bank that it is not possible. I’m afraid it can happen, though it has never happened to me. But now when I get cash out, before I leave the ATM, I hold a few up to the light to see if they are watermarked. The fake bills my friends had were lightly printed in the watermark area so it looked like a watermark, but holding it up to the light produces a much different effect.

Check a few bills at your ATM machine to reduce the risk of getting a big wad of fakes. Just my two cents.

By |2015-05-17T17:02:10-07:00May 17th, 2015|Categories: China, Scams, Surviving, Travel tips|Tags: , , , , , , , , |Comments Off on Beware Counterfeit Money from ATMs: It Can (Rarely!) Happen in China

Beware Inflated Delivery Charges in China: Get Pricing First

Delivery fees in China are usually surprisingly low. Kuaidi, rapid delivery, is far less than it is in the United States and is a pervasive way of moving goods, with the postal system being used far less for such things. But aways be ont he alert regarding fees. I’ve seen a number of cases where high delivery fees are being used to compensate for low asking price. When delivery is involved, make sure you have the delivery fee pricing before you buy. On TaoBao or related online services, check the delivery fee carefully–sometimes it can be quite large. Of course, this is a problem anywhere. In the States I’ve seen offers for “free” products that included $20 shipping and handling fees.

In China or anywhere else, never agree to any service before you know what the price is. The danger is that you’ll assume that the customary low price for something must apply, only to face a painful surprise, as happens in the karaoke scam and other scams.

By |2016-10-24T05:57:54-07:00November 12th, 2014|Categories: Scams, Shanghai, Shopping|Comments Off on Beware Inflated Delivery Charges in China: Get Pricing First

You Are One Guessed or Stolen PIN Away from Disaster: Be Careful With Your ATM Card in China (or Anywhere)

A friend of mine in Shanghai just had 9000 RMB (US$1500) stolen from his Korean bank account by somebody using his ATM card number in Poland. His bank is unsympathetic. They claim that he must have given his card or PIN number to somebody and that is how they  took the money out. But he never gave it to anyone, though someone may have rigged an ATM machine to read his info.

Your ATM card is a disaster waiting to happen. If someone gets your number and your PIN, by theft or guesswork, you may have no recourse. You must limit the use of your card to avoid having thieves scan it and not keep too much money in any account that can be stolen using an ATM card.

Whenever you use your card with a retailer, there is a chance that the retailer is keeping your PIN, perhaps inadvertently, and this PIN can then be hacked and sold to thieves. See the 2006 story from NBC News which explains some of the basic threats.

The more you use your card, the greater your risk. The more money in your account, the greater your risk. Keep some of your money in accounts that cannot be accessed with an ATM card using the terribly inadequate 4-digit PIN security system.

Surprisingly, money may be swiped from your account using your ATM card number even if the thieves don’t know your PIN number. Sound impossible? Our experience proves otherwise.

Recently someone in Germany started pulling about $300 a day out of our US bank account using our ATM card number from our US bank. This is a card we rarely use–I think we have never used it China but did use it on our trip to Italy in February 2014. the thieves struck in May 2014. They took the most they could each day for 3 days in a row before I happened to check my online bank account and notice the unexpected withdrawals. It was very fortunate that I noticed this right away instead of after our account was drained dry. Amazingly, there was no anti-fraud alert to the surprise bleeding that was underway. Bet they could have taken everything if I hadn’t noticed.

I immediately called the bank and they inactivated the card. Whether I would get the money back or not depended on one thing: did the thieves use my PIN number when making the withdrawals? If they had, then the money would be lost forever. No recourse. But because the bank in Germany that dispensed the money was not able to provide proof that the PIN had been used, my bank ruled in my favor and refunded the money.

How the thieves got money out of my account without my PIN was never explained. But it did happen, so it seems, and that means it can happen–to you! Check your account often for fraudulent charges. Use your card as little as possible. Don’t use it in shady locations–whatever that means. Assume every operation is shady and vulnerable. Guard your PIN zealously and watch for unusual attachments to ATM machines, and realize that people may be watching the keys you push, so cover the keypad and use false moves as well.

On the other hand, when PINs are just 4 characters long, someone could simply guess the PIN after enough tries with enough cards (several tries each on a thousand or more cards) and then they have a money machine. The chances of someone guessing your PIN on the first try are just 1/10,000. After 10 tries, though, it’s 1/1000. How many people have been trying to guess your PIN? Does your bank every tell you? Probably not. Your card might get inactivated with lots of bad guessing–a huge inconvenience, but better than losing everything. Check with your bank and understand their anti-fraud systems and what recourses you have to fraudulent withdrawals.

Remember, you are just 4 numbers away from disaster, and those numbers can be stolen or possibly even guessed.

By |2017-10-24T07:23:21-07:00August 18th, 2014|Categories: Consumers, Finances, Products, Scams|Tags: , , |Comments Off on You Are One Guessed or Stolen PIN Away from Disaster: Be Careful With Your ATM Card in China (or Anywhere)

Prepare For Your Trip to China With Scam-Prep 101: Beware the Karaoke Scam, the Tea Ceremony Scam, and Other Scams in China

I’ve written before about the dangers of the “Tea Ceremony Scam” in China where attractive girls or other friendly young people invite foreigners to join them as they attend a nearby traditional Chinese tea ceremony. After a few tiny samples of tea, you’ll be billed for hundreds of dollars, and there might be some tough muscular guy there to enforce payment. This scam is actually dangerous, and if you fall for it, you’ll literally be in a den of criminals. It’s one of the most common scams in China.

It is important to know that there can be several variations of this scam. An important variation has come to my attention with the recent news story in the Shanghai Daily, “15 members of karaoke crime gang detained” (June 24, 2014). In this scam, friendly people invited victims to join them in karaoke. After some entertainment, a bill was presented for something like 30,000 RMB (US $5,000). In the case in the story, the man paid $1,000, everything he had, but this was not enough, and they were forcibly taking him back to his hotel to get the rest of his money. He managed to escape on the way and get help from the police, who eventually captured the gang. But there are probably many similar gangs in operation.

Whether you are in Shanghai, Beijing, or any other place that gets significant tourism, you have to be wary of friendly strangers who want to invite you somewhere. Don’t go with them. Don’t let merchants or others lead you down isolated alleys or remote floors of buildings to see their mystery shop. Don’t let them lead you into a room where they can lock the door to prevent you from escaping–something that happened to someone I know well. Fortunately for her, they were just keeping the police away from their fake goods operation, and the woman was able to get out unharmed. But don’t take those risks. Avoid the scams in China, but recognize that the scammers can be very polished, alluring, and highly trained–they are part of a well-oiled scam machine run by real professionals who have mastered effective systems that keep duping foreigner after foreigner, making loads of money for the scamlords.

Be alert. Make sure he change people give you is real Chinese money. Make sure the expensive product you buy is actually put int he package. Make sure the cab you get into you is a real cab using a real meter. If the meter is off and they quote you a price to get to your destination, don’t accept that unless you know what the real price is and it is close enough to be acceptable to you, otherwise you can many times the real price. Don’t prepay for rides because you might get dumped off for some other low bidder to take you, only to find additional fees on the way (yeah, I experienced that).

When you’ve been robbed by falling for a scam, you’ll feel really stupid and pained by how you were used and cheated. That’s a lot of stress that you can avoid in many cases by being alert and reducing your risks.

The Chinese people are generally honest, friendly, and decent, but the handful of exceptions are the ones who will be watching for you. They are organized and know you are coming. Be ready and stay safe.

 

 

By |2017-10-26T06:10:59-07:00June 27th, 2014|Categories: China, Scams, Shanghai|Comments Off on Prepare For Your Trip to China With Scam-Prep 101: Beware the Karaoke Scam, the Tea Ceremony Scam, and Other Scams in China

Another Scam in China: Worthless Foreign Currency (and One More Sip of the Popular Tea Scam)

Thailand-currencyAn American friend of mine visiting Shanghai was shopping at Yu Yuan (Yu Gardens) and bought something from a pushy salesman on the street. He paid with a 100 RMB bill and was given several bills as change. What he didn’t notice was that the  bills he received was worthless currency from some foreign nation (he thought it looked like Arabic but I’m guessing it was from Thailand). So instead of paying 20 RMB, he paid 100. Rip off.

Make sure you know what real Chinese currency looks like so people won’t had you bogus currency for change. Look, verify, and count. Don’t be so trusting and gullible, like many of us Americans are.

Other Basic Scams at Tourist Attractions 

The day before my friend went to Yu Yuan, I warned him about some of the scams he might encountered. I told him that anytime someone approaches you there or at other major tourist sites and speaks English to you, no matter how friendly and attractive they may be, they are probably sales people whose job is to separate you from your money. I warned him that there are people who try to engage foreign visitors by asking them to take their photos, and then some sort of scam is likely to follow. Just say no politely and walk away, I said. I also warned him of the ever-popular and often successful tea ceremony scam, where gullible foreigners are lured by attractive English speaking girls to join them at a traditional tea ceremony for a cup of tea. In this scam, after a few minutes of tea, a gargantuan bill is presented, accompanied with solid Chinese muscle to enforce payment for what was allegedly a rare and exotic high-priced tea. One cup might cost you hundreds of dollars. Never fall for that, I warned. Stay away. Beware. Don’t go inside.

The next day at Yu Yuan, my friend ran into a couple of cute girls who spoke English and asked if he could take their picture. Being friendly and always wanting to help, this young man took the photos and chatted with them. “We are tourists from Beijing,” they said, “and have been to all these major Shanghai attractions on our tourist map except for one, a traditional tea ceremony right around the corner. It’s a great way to experience Chinese culture. Would you like to join us for some tea?”

“Well, I guess I can just take a look,” he said, and followed them into a tea house. But eventually, he later told me, my warnings began to enter his thinking–finally–and he realized he had better check a menu and see what the prices were before he did anything. He asked for a menu and saw that there was a 30 RMB service fee posted in addition to some high prices for the tea. But now he felt pressure to not just walk away, though he explained he didn’t drink tea and needed to leave, so how much did he need to pay for just taking a look as he had done? The waitress was puzzled and went to check with the owner, and came back saying that he needed to pay 200 RMB. That’s for absolutely nothing–what crooks. He said no way and gave them 30 RMB as I recall and left, but they were angry. I think he was lucky the muscle hadn’t shown up yet.  The result could have been much worse.

When you see young people at Yu Yuan waiting with cameras at busy corners or on busy streets, and out of all the thousands of passers-by, they choose you, the stand-out foreigner, to get someone to take their picture, know that the last thing they want is your photographic assistance. It’s a scam. Feel free to take their photo on your camera so you can let others know who these scammers are, but don’t let them lure you anywhere. They don’t want photos, just your cash. Lots of it. And they will use deception and force if you give them the opportunity.

By |2017-10-24T07:24:57-07:00March 26th, 2014|Categories: China, Scams, Shanghai, Shopping|Tags: , , , , |Comments Off on Another Scam in China: Worthless Foreign Currency (and One More Sip of the Popular Tea Scam)

Scams in China (and Beyond): Some Tips

There are many scams that newcomers here must learn to avoid. The classic scam involves English speakers inviting Westerners to come to a traditional Chinese tea ceremony. After a cup or two, there’s a bill for a huge amount, with some hefty bouncers there to enforce payment. Ouch.

Online shopping in China or with Chinese companies can be a big risk. Here is a list of Chinese retail websites that are reported to be fraudulent. One friend of mine bought a computer on one of these sites and lost his money. One of the warning signs that he should have known about: they told him they don’t accept credit cards but needed the money sent via Western Union. That’s the same as handing someone cash. No recourse. No protection. Don’t ever buy anything via Western Union payments! Ever.

If you are coming here for a job, there a plenty of crooks that will sign up foreigners for jobs here that turn out to be closer to slave labor. They promise to get a visa faster than should be possible, and some smuggle people into the country illegally or bribe an official at a “diplomatic desk” to get the victim into the country. They then keep the person’s passport, making the person completely vulnerable and at risk of imprisonment or deportation if they don’t cooperate, etc. It’s human trafficking. Don’t fall for these scams. They are aimed largely at people from less developed countries.

Remember, there are people looking for ways to exploit you. Be suspicious. Be nervous. Don’t give your passport to people you don’t trust. Don’t pay people in advance with cash. Don’t let a charming smile lure you into an out-of-the-way place where you’ll have to pay a lot for your tee, or pay even more to replace your teeth. China is a great place abounding in kind, honest people, but the few crooks here and everywhere else force us to stay on our guard at all times. Be careful.

By |2016-10-24T05:58:01-07:00February 11th, 2014|Categories: China, Scams, Shopping, Travel tips|Tags: , , |Comments Off on Scams in China (and Beyond): Some Tips
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