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      "author": "gaman",
      "body": "Resteemed your article.  This article was resteemed because you are part of the New Steemians project. You can learn more about it here: https://steemit.com/introduceyourself/@gaman/new-steemians-project-launch",
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      "body": "As you probably already know I had an incident when Transferwise sent all of my money to the 3rd party without my consent. And it was NOT just my private money, but also my company money. I never received my money back…\n\nDigging deeper into the issue, I found out a really disturbing thing. It seems I am not the only one who suffered the loss due to Transferwise irrational Terms of Use, which is now used by scammers as a loophole to steal your money!\n\nIf you have personal and company account with Transferwise, or you store some of your money on borderless account, you are at a GREAT risk of losing your money!\n\nThe Loophole: according to Transferwise policy, they will send all of your money to the source of funding in case of account deactivation.\n\nWhat Does It Really Mean?\n\nIf your client/buyer (who may be scammer) sent you money to your Transferwise account, and for some reason your account gets deactivated, your client will get your company money AND your personal money.\n\nHow Scammers Use This Loophole:\n\nIt’s very common now, when scammers pay to your Transferwise account, and then after couple of weeks they claim charge back. In this case they get all of your money, including money from the other Transferwise accounts that you have. This is exactly what happened to me and many other individuals. You can read about similar situations here: http://trustmark.reviews/review/www.transferwise.com\n\nUnlike Paypal or traditional banks, Transferwise doesn’t have a dispute platform and simply deactivates your account without a notice. After that your money is gone!\n\nTransferwise Response:\n\nI’ve tried to contact their support through social media, phone calls, emails… and nothing. I didn’t receive any response nor help with my situation.\n\nAfter reporting Transferwise to the fraud police in the UK as well as launching the dispute through EU dispute portal, I got some attention from their support person who promised to respond by April 16th. However, I have serious doubts it will change anything without a proper media attention.\n\nUsing Transferwise is especially dangerous for businesses, because you won’t have a chance to make a screenshot of your account, nor download your transaction history, or prove that money were sent to the 3rd party without your consent since they sent money by themselves using your account. As a result, you may have serious difficulties accounting those money and paying tax!\n\nSo if you have any money left on your Transferwise account, you better take them out now. You never know what may happen to your account!\n\nFIRST SEEN ON MEDIUM: https://medium.com/@starlightmg/transferwise-policy-loophole-helps-scammers-steal-all-your-money-37a525cc3376",
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      "body": "I guess we all know Upwork. I've never been a huge fun of Upwork because majority of the clients there are looking for a cheap labor, which I am not. However, when I got a new client, I decided to take him to Upwork and test their escrow system which is pretty good. You know you will get paid.\n\nToday I got a really disturbing email from some guy working for Upwork saying there is a video verification call where they will LOOK at me and ask me some questions. \n\nTaking into account all the sexual harassment cases happening in Silicon Valley, it feels really disturbing that some guy has to LOOK at me, evaluate me, and then if I pass his test I will be able to stay on the site and get my hard-earned money. So if he looks at me and he doesn't like me, I don't get the money that I already earned?\n\nI have thousands of questions in my head: will they record me? How will they use this video? Why I have to show off my self to some guy online so he could look at me?\n\nSeriously? Is Upwork a web camming company now? Don't you have other means of verifying identity? Why don't you let women choose female representative to talk to? Why do I have to loose the money I earned from client I BROUGHT to your platform only because I don't want some stranger to stare at me online?\n\nI am sure many women are okay with that, but many are not. \n\nI am lucky that I don't depend on Upwork and I can just leave it, but what about thousands of other female professionals who have to go through this humiliating experience? Women whose culture doesn't allow them to show their faces? Women who don't have a web cam or money to buy one? Women who simply don't feel comfortable web camming?\n\nI guess it's time for women powered freelance website?",
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      "body": "I guess we all know Upwork. I've never been a huge fun of Upwork because majority of the clients there are looking for a cheap labor, which I am not. However, when I got a new client, I decided to take him to Upwork and test their escrow system which is pretty good. You know you will get paid.\n\nToday I got a really disturbing email from some guy working for Upwork saying there is a video verification call where they will LOOK at me and ask me some questions. \n\nTaking into account all the sexual harassment cases happening in Silicon Valley, it feels really disturbing that some guy has to LOOK at me, evaluate me, and then if I pass his test I will be able to stay on the site and get my hard-earned money. So if he looks at me and he doesn't like me, I don't get the money that I already earned?\n\nI have thousands of questions in my head: will they record me? How will they use this video? Why I have to show off my self to some guy online so he could look at me?\n\nSeriously? Is Upwork a web camming company now? Don't you have other means of verifying identity? Why don't you let women choose female representative to talk to? Why do I have to loose the money I earned from client I BROUGHT to your platform only because I don't want some stranger to stare at me online?\n\nI am sure many women are okay with that, but many are not. \n\nI am lucky that I don't depend on Upwork and I can just leave it, but what about thousands of other female professionals who have to go through this humiliating experience? Women whose culture doesn't allow them to show their faces? Women who don't have a web cam or money to buy one? Women who simply don't feel comfortable web camming?\n\nI guess it's time for women powered freelance website?",
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      "body": "If you are into nootropics just like me, you will probably agree with this article about top 10 most powerful nootropics (https://acetylcholine.net/10-most-powerful-nootropics-in-2017/). However, I realized most nootropics newbies do same mistake. I’ve been using nootropics for more than 3 years. And once you start taking them, you realize that taking one pill is not enough anymore. You want to explore more, you want to try more, you want to find the best stack for yourself and you can never find one.\nThe good. The good thing about nootropics is that they really work. You don’t feel tired anymore, you can perform tasks much better, and it can turn off your anxiety. There is no doubt that nootropics work. \nThe bad. The bad thing is that at some point you may get addicted. Of course, it’s not like you can’t live without it. But enhanced brain activity becomes a norm, and if one day you didn’t take your pills, you feel like you are not ok today. \nThe ugly. The truth is, you can manage your nootropics intake to not get to the point when you develop tolerance and start increasing the doses. But it turns out, the majority of us, crazy nootropics users, simply don’t want to manage our doses. We want to be stronger, smarter and more powerful. In the end, none of the nootropics will be good enough for you.\nSo if you want to enjoy the power of nootropic, remember to manage your dosage and don’t make nootropics a part of your life.",
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      "author": "cheetah",
      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttp://promakeuptutor.com/top-9-misleading-beauty-adverts-banned/",
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      "author": "viikka",
      "body": "Beauty commercials seem too good to be true. Dailymail selected top 9 misleading cosmetics commercials that got banned! And here they are:\n\n**#1 Clairol Nice ‘n’ Easy hair dye**\nTV commercial for Clairol Nice ‘n’ Easy hair dye was banned by the The Advertising Standards Authority (ASA) due to the advert ‘misleadingly exaggerated the capability of the product’. The commercial showed Christina Hendricks changing her red hair for blonde. The truth is that the commercial was filmed in reverse. Ms Hendricks’s natural hair color is blonde and she has been dyeing her hair red for many years. The company asked her not to color her hair for eight weeks before filming. She then used Nice ‘n’ Easy’s Natural Honey Blonde dye to record the moment at the end of the video. The next day, she dyed her hair back to red. The beginning of the ad was filmed.\n\n![orange.png](https://steemitimages.com/DQmPrm2ygBQ64fK1Ej33S7CCyjvKSLAhyVzL3vk6nz1YRuU/orange.png)\n\n**#2. Christian Dior Show New Look Mascara**\nIn the printed ad, Natalie Portman has a feathery fan of lashes which claimed to a result of “the miracle of a nano brush for an unrivalled lash creator effect. It delivers spectacular volume-multiplying effect, lash by lash.” Dior claimed, they retouched the picture to ‘stylistically lengthen and curve her lashes’. \n![nat.png](https://steemitimages.com/DQmSE57HhBZzAruK1VN9vBZimKTnUNZoND6DJCWVsjGi6Vj/nat.png)\n\n\n**#3. Lancome Teint Miracle**\nThe printed ad appeared first in glossy magazines featuring a radiant Julia Roberts and a picture of a foundation. The ad claims that ‘aura is natural light emanating from beautiful skin. We can reproduce this…Lancome invents its first foundation that recreates the aura of perfect skin. Instantly complexion appears naturally bare, beautifully flawless and luminous, as if lit from within. See yourself in a new light.’ ASA conluded that the image  ‘exaggerated by digital post-production techniques’, as a result the ASA ‘could not conclude the ad image accurately illustrated what effect the product could achieve’.\n![tint.png](https://steemitimages.com/DQmcrm6TmeGaV3c7hZrpccwdqdCKAiLHffmwpMBTwJGTdRW/tint.png)\n\n\n**#4. Estee Lauder Body Performance Slim Shape Anti-Cellulite Visible Contouring Serum**\nIn a printed ad, you can see a model in a perfect shape with smooth thighs and flawless skin, gazing at a bottle of thigh-slimming serum.\n\nThe ad claims that “this multi-action serum with our exclusive thermo-genic complex and potent Asian herbals melts away the fatty look of cellulite. Re-firms and tightens to help keep that dimpled look from coming back.”\n\nTo backup their ad, Estee Lauder produced a large dossier of evidence to prove their wonder cream could do what they said. When the ASA examined the skin-tightening tests, they found they had been performed on the backs of hands, not the thighs or bottom.\n\n![est.png](https://steemitimages.com/DQmaZWesdJkXK4xLB7gbU5e2P1BdhMLUBQVnMfFGWqgabwH/est.png)\n\n**#5. Olay Definity Eye Illuminator**\nThe magazine ad shows Twiggy, 60, with almost no wrinkles. The ad claim claims that “Olay is my secret to brighter-looking eyes. Because younger-looking eyes never go out of fashion . . . reduces the look of wrinkles and dark circles.” It turned out that post-production “retouching” was used to achieve the result. The ASA concluded that this could give consumers “a misleading impression of the effect the product could achieve”. Olay then backtracked, saying the retouching shouldn’t have happened. They subsequently reproduced the advert with no retouching around the eyes.\n![olay.png](https://steemitimages.com/DQmXZ5Qixg89kM97G4o4wDmvoxSafUnSCfobmZ3ajThKPdc/olay.png)\n\n\n**#6. Rimmel 1-2-3 Looks Mascara with Georgia May Jagger**\nGeorgia May Jagger appeared in two print adverts and one TV ad for a mascara that claimed to be able to create three different looks. In each ad, Jagger had progressively longer lashes. The ad claims that you can “just turn the dial. Adjustable lash volume from light to dramatic . . . three hot looks in one mascara.”\nEven the ads contained small print that stated “shot with lash insert” they did not, say the ASA, “make it clear that the lash inserts used were of different lengths”, which made the ads “misleading”.\n![rimel.png](https://steemitimages.com/DQmWg3AVUFsWfxGS74KpRiFn7SmQafEQZQoq23x9Pgqr7Qq/rimel.png)\n\n**#7. Tri-Aktiline Instant Deep Wrinkle Filler**\nThe ASA concluded that claims by cosmetics giant Estee Lauder about its Tri-Aktiline Instant Deep Wrinkle Filler were misleading.\n\nThe company tried to backup their claims by providing a statistic that seven in ten women who used the product reported a visible filling of wrinkles immediately and after a month 83 per cent of users reported improvement in the appearance of lines.\n\nAfter the ASA investigated Estee Lauder’s claims, they found out that the results were based on clinical tests with just 25 women and the effect was judged with photos made before and after the product usage. The ASA said: “We understood from the expert that it constituted an open, non-randomised trial on 25 women, was not blinded, and did not include a control group. We understood that, although the imaging technique showed an effect on lines and wrinkles, it was not clear whether the same optical effect could be detected by a human observer. We noted the ad stated “Start to see your wrinkles disappear instantly” and considered that claim implied the product could reduce the wrinkles themselves, not merely reduce the appearance of the wrinkles. We considered that a consumer evaluation study was not sufficient to support a claim for the reduction of wrinkles. We concluded that the clinical study and excerpts from the consumer evaluation study were not sufficient to substantiate the claim and therefore that Estée Lauder had not justified it.”\n\nIn the end, the ad was banned.\n\n**#8. L’Oreal Revitalift Repair 10**\nThe ad shows a black-and-white image of Rachel Weisz next to the list of ten ways in which the moisturiser tackles signs of ageing. The ad claims that “wrinkles appear reduced. Skin looks smoother. Complexion looks more even. It’s not a facelift, it’s Revitalift.”\n\nThe ASA found out that Weisz was photographed in flattering lighting and in monochrome, and the picture was ‘enhanced’ in post-production. The ASA concluded that the image had been “altered in a way that substantially changed her complexion to make it appear smoother and more even [and so] misleadingly exaggerated the performance of the product”.\n![loreal.png](https://steemitimages.com/DQmYtGR6x8KeTRQqfpRdZx4XhSvLbd6vurRhUAuRQ89vtX2/loreal.png)\n\n**#9. Clinique Even Better Eyes**\nIn this video ad, the model applies a tube of eye cream. Moments later, as a voice announces “You see it instantly. Even Better Eyes …” the model is shown bathed in light.\n\nThe ad claims that “now, new Clinique Even Better Eyes takes eyes out of the shadows …”\n\nThe ASA concluded that in the final sequence of the TV advert, the model’s face “had been defocused except for her eyes, and that her skin, including the under-eye area, appeared illuminated” and as the result the ad “gave a misleading impression about the performance capabilities of the product”.\n![12.png](https://steemitimages.com/DQmaQnA1seQBVhJS814ecKqVEDNfWQNQRv9kbzVkawsqPD5/12.png)\n\nHave you ever used any of these products? Do they really work?\n\nDisclaimer: the article was first published at promakeuptutor.com",
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      "body": "Everyday we see these beautiful makeup and skin care product ads – black mask, lipstick with flower inside, matte lipsticks of unknown brands. All these products are made in CHINA, and nobody seems to care about safety of these products. Since they are shipped directly from China, they don’t have to go through any tests or comply with any cosmetics standard regulations.\n\nDid you know that those products can contain cyanide, coal tar, parabens and many other harmful elements that can cause DEATH? Did you know that people in China DON’T use those products? They prefer using Western brands that are 100% safe. \n\n![peeloff.jpg](https://steemitimages.com/DQmRk93HyoiAGDaqw5zArYLzjquVYYs9odXuivJgcb94CwJ/peeloff.jpg)\n\nWhat now?\n\nFor example, every cosmetic product/brand in EU has to obtain cosmetic product safety report. Only then (!) these products can be officially placed in the market. If you are buying product that are officially represented in EU, you definitely won’t harm your health using those products.\n\nEU regulation 1223/2009 is the main regulatory framework for finished cosmetic products when placed on the EU market. It reinforces product safety while taking into consideration the latest technological developments, including the possible use of nanomaterials, and ban on animal testing.\n\nAccording to The EU Cosmetics Regulation, all cosmetics products must be manufactured in accordance with the standards stated in GMP. GMP ensures that products are made in a clean environment and are not contaminated.\n\nThe EU Cosmetics Regulation has very strict rules regarding claims that manufacturers can make on their packaging and advertisement, and labeling. These rules ensure that consumers are fully aware of the ingredients, side-effects, and they won’t fall for false promises\n\nYou may think that if you buy Chinese product in local online store, it may be safe. Unfortunately, it’s not true. Here is the thing. Almost all those makeup and skin care products you see on Facebook don’t obtain cosmetic product safety reports, because they are not actually officially represented in the EU market. Most of them use online stores and dropshippers to sell their products. Since shipping is directly from China, and it’s for personal use only, those shady makeup companies can avoid any regulations.\n\nYou may not know it, but most of the Chinese cosmetics products comes from Aliexpress. Many online stores use Aliexpress to dropship their products to your home. Such online stores make 100%-500% profits, while you risk your health. Let’s assume that you buy makeup products from Aliexpress’s store. The person behind it is an individual who you don’t know and will never see. This person can disappear from the site any time and he/she won’t be liable for any loss you may have. There isn’t even a guarantee that these products meet China’s standards. This could literally be a guy mixing chemicals in his bathtub.\n\nYou may say “I’ve tried it and it was OK”. Nobody said you will die after one use, but you may be slowly killing yourself with the poisons that may cause health issue or death over months or years.\n\nI don’t say all Chinese products are bad. There many quality Chinese products that a.) maid for local market and comply with local regulations, b.) registered their product in the EU, got safety report, FDA or whatever is required in your country.\n\nSo what do you think about it?",
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