Ok, so most of you read that and are now wondering what the heck a mugu is, yes? ‘Mugu’ is the term that a lot of 419 scammers attribute to their victims. It’s how they describe the foolish and the gullible, the sort of person who falls for their scams.
So, are you a Mugu, or are you too savvy to get caught out by a scam? Take this quick test and find out…
1. You receive an email from a fortune teller. They say that they will put an end to your bad luck if you send them $20 and curse you if you don’t. Do you..
a. Sign straight into paypal and make a payment – you feel cursed enough as it is.
b. Quickly open your newspaper and read your horoscope for guidance in this matter.
c. Delete the email and block the sender – after all, they’re just a scammer, right?
2. You open up a new magazine that you’ve just bought and a scratch card falls out. You duly scratch it and find out that you have definitely won a prize. Do you..
a. Ring the phone number on the back immediately, thinking about the holiday of your dreams whilst listening to the overly long recorded message.
b. Check the details and realise it is a premium rate phone number but call anyway as you know you have won something.
c. Stop to think how this company can afford to be giving away so many prizes.
3. You receive an email from Lady Peggy Morrison who is dying from cancer. You have to pay a little up front to release her late husband’s fortune but after that she will let you keep several millions. How do you respond?
a. Email Peggy straight away and offer to help – she seems genuine and it would be a shame if the banks got all her money.
b. Search the internet for ‘Peggy Morrison’ to see if anyone has anything to say about her before you hand over your cash.
c. Delete the email or report it to your service provider as it’s obviously a scam.
4. You find a website offering the chance of a free ipod. All you have to do is buy a $5 flash drive for $10 and then wait until 100 people have signed up underneath you. What do you do?
a. Register immediately because your friends have ipods and you want to be seen to be cool.
b. Think that the inflated price for the flash drive is only fair as it helps the company pay for the ipods.. and you so want one of those..
c. Search the internet for ‘matrix schemes’ to see how these offers almost always leave people disappointed.
5. A griend invites you to join a company selling household products, using his name as the referrer. To earn you don’t have to sell anything yourself, you just need to sign up more members and then take a percentage of their earnings. How do you react?
a. Quickly hand over $1000 in registration fees because this scheme will make you rich in no time.
b. Research the company to see what other members are saying about them.
c. Think about it and realise that it is a pyramid scheme and wonder how you will make money if no-one seems to be actually selling a product.
6. You receive an email from another member of an auction site you use, claiming that you haven’t paid for an item you bought. They are threatening to leave bad feedback and report you. What are you going to do?
a. Click on the link in the email and send them a message explaining that you were not the buyer and that there must be some sort of mistake.
b. Panic and think that maybe you are a victim of identity theft. You quickly message the seller and offer your personal details up in order to resolve the matter.
c. Spot this as a phishing attempt and realise you should never click links in emails.
7. You surf the web and find an advertisement for a lottery syndicate that claims they can beat the system with their mathematically proven system. There is a registration fee to pay and a recurring fee for entry into the lotteries. Do you..
a. Register online so you can start winning now
b. Wonder why they don’t keep the information to themselves and keep the winnings but join anyway because you need a holiday and a new car
c. Close the web page and consider that if an offer is too good to be true then it probably is.
How did you do?
Mostly ‘A’s : MUGU!
I’m not sure how to tell you this but you are niave and foolish, easily suckered into get rich quick schemes and fooled by scammers. Wisen up or you are going to end up with less money, not more.
Mostly ‘B’s : SHEEP!
Whilst you do have some common sense and look at potential pitfalls you are still easily suckered. You’d rather follow the crowd and not rock the boat too much. After a little initial resistance you would probably fall for a scam.
Mostly ‘C’s : SAVVY!
There’s no pulling the wool over your eyes. You can spot a scam a mile away and wouldn’t entertain one for a minute. You know that if something is too good to be true then it probably is. Don’t get complacent though – scammers are very clever and accomplished liars.