Thursday, November 15, 2018

A Calgary Landlord Busts a Locksmith Calgary in Their Tracks

A Calgary landlord busts a Locksmith Calgary in their tracks

Day-in and day-out, we hear horror stories from our customers who almost got scammed by a scammer locksmith. Unfortunately, many times, people fall for the scams of these criminals.

Today, a very smart Calgary accountant did what we suggest everyone to do, think and refuse to pay. Mariya Savchyshyn owns a condo in Calgary and rents it out. She said her tenants asked her to replace their lock, and a Google search listed Locksmith Calgary at the top, so she called them without doing her searches to see that they are a scammer locksmith.

Finding out if a locksmith company is a scam is quite easy, here are a few simple steps from Terry Whin-Yates to catch them.

Tips from Terry Whin-Yates on spotting a locksmith scammer

  1. Do they provide unbelievably cheap pricing? The $29, $19, $39 dollar locksmith ads are a scam.
  2. Do they operate under different business names? Scammer locksmiths often run under different business names to shield their identity.
  3. Is their Google Maps location legitimate? Many locksmith scammers have their Google Maps locations out of gas stations, Starbucks locations, restaurants, or even a middle of a forest (we’ve seen it all). Pull up their location on Google street view and see where their address is, if it’s another business, it’s a fake. If it’s a house, it’s a scam. For example, the Locksmith Calgary scammer presents their address as 724 80 Ave SW, Calgary AB.  This is a fake location.

    Locksmith Calgary Scammer at 724 80 Ave SW

  4. Are they licensed? In British Columbia for example, you can check if a locksmith company is licensed or not by inputting their security license number into the following page – Security Licence Status Verification.
  5. Check their phone number! Copy their phone number into Google, does it appear in locations like Toronto and other provinces or states where the locksmith shouldn’t be? It’s a fake.
  6. Ask for the name of the business owner and a link to his or her biography, if the company is hesitant to provide the information of the owner of the company, stay away.
  7. Ask for ID and documentation. Do not let them start work without the company showing their security license, drivers license, insurance, and city business license. If they say “I don’t have it” or “I can send it to you later” or if it looks fake, refuse them doing the work, refuse to pay and send them away.
  8. If the locksmith gets aggressive or pushy with their tactics or if at any time you feel uneasy or uncomfortable, dial 911 immediately.
  9. Do they have a reputation? If you can’t find anything about them online such as a social media following or a clean track record, do not let them work on your property as they are most likely a locksmith scammer. Reputable locksmiths and locksmith business owners like Terry Whin-Yates, the owner of Mr. Locksmith and Mr. ProLock have a clean track record.
  10. Do they show up in an unmarked vehicle, or does their vehicle simply say “locksmith service” ? They are most likely a scam, do not allow them entry or to do any work on your property.
  11. Do they refuse to provide an invoice on the spot? Are there inflated or hidden charges? Refuse to pay and if they get aggressive, dial 911.
  12. Do they have a GST number on the invoice? Check if it’s legitimate here.
  13. Do they list their locksmiths on their website like on a team page with their name and pictures like we do with locksmith Vancouver? If not, you have to wonder why and what they’re hiding.

There are many more warning signs to catch a scammer locksmith. Just use your head and if you can’t determine if they’re fake or not, don’t use them!

One big warning sign which Mariya Savchyshyn should have caught onto was the fact that the scammer locksmith, Locksmith Calgary used the tenant’s phone to phone her. Why wouldn’t they use their own cell number? Because these scammer locksmith’s do not want repeat customers.

Scammer locksmiths such as locksmith Calgary operate on a one-hit basis. They scam you, and then they request an extreme amount of money and force you to pay. Because of the bad experience they provide, they don’t expect you to call back which is why they provide an illegitimate invoice with a fraudulent tax ID, a fake address and at often times as well, a fake phone number.

Thankfully, when the scammer locksmith called Mariya Savchyshyn to say that he’s done, she caught on. Locksmith Calgary refused to provide an itemized invoice for the inflated invoice which was triple the cost, $773.85 as per CBC.

“And I’m like, that’s weird, because usually the customer has to receive an invoice, look at it and then pay, right?” said Savchyshyn.

“I’m an accountant myself, and I know that no one is going to send me money until they see the invoice.”

When Savchyshyn refused to pay without knowing exactly what she was paying for — she says the company threatened to send the bill to a collection agency.

Terry Whin-Yates states that threats are common with scammer locksmiths. We’ve heard from people that the scammer locksmiths have gotten violent with violent threats, verbal threats, death threats and unfortunately much more.

“I just want to warn people because someone … might be scared because that company is scaring people by saying they’ll send them to collections,” she said.

“They might be scared and just pay $800 for a lock, it’s ridiculous.”

A scammer locksmith will have a hard time sending you to a legitimate collections agency. Collection agencies are not stupid, they will ask for supporting documentation which the scammer locksmiths will not have. Do not be fooled by the collection agency trick. If they do send you to collections, you can fight it by signing up to a low-cost service called LegalShield.

Company says invoices issued after payment

“Locksmith Calgary told CBC Calgary they don’t provide a billing service, even for larger companies, and require all payments be made before an invoice is issued.”

This should be an immediate red flag. No legitimate company issues an invoice after payment. We, for example always issue an itemized invoice before the customer pays, because that’s the correct way of doing business. If a customer has a question, we’re always there to answer that question.

It is ok to ask the locksmith who their credit card processor is for collecting payments. Credit card processors are the companies that collect your payment on behalf of the merchant and then provide the merchant with the funds. Names of some credit card processors are: Moneris, Square, Payfirma, Helcim, Stripe. If the locksmith doesn’t know or refuses to answer the question, refuse to pay. If they demand cash, refuse to pay.

“On their website, Locksmith Calgary lists their service call fee as $15 plus labour and hardware costs. A lock change is listed as $35 dollars and a lock re-key as $19.”

Scammer Locksmiths: There are no $15-$25 Locksmiths, it is a Scam.

“While speaking with CBC Calgary, Locksmith Calgary couldn’t say why the bill was so high, but said they’d since agreed to lower it to $300.”

Shouldn’t a company know their invoices? This is a trick that scammer locksmiths like locksmith Calgary do. When approached by authorities or by a large media outlet like CBC Calgary, they start acting stupid. Mariya Savchyshyn should still dispute the charges with her credit card company and get the full sum back.

We’ve baited the scammer locksmiths before with the help of the media. Check out Terry Whin-Yates collaboration with CTV News with our undercover investigation on locksmith scammers.

Hi there, we’re CTV,” said McLaughlin, “Why are you charging $255? It’s not a difficult lock and it says 15 service call and $35 on the website.”

“And up,” said the locksmith, “It depends on the lock.”

“That’s an easy lock,” McLaughlin said.

“No, it’s not easy. Five pins, medium security,” he explains.

The locksmith showed McLaughlin his security license, which showed he’s a locksmith under supervision and then he called his boss.

“Why are you charging so much?” McLaughlin asked into the phone.

“It’s none of your business,” said the boss.

Here’s the thing about scammer locksmiths. They utilize a central call centre for lead generation services. When you call a scammer locksmith like locksmith Calgary, you’re not dealing with the actual locksmith that’s coming out to service your lock. These scammers pay these call centres around 20% for the lead and taking the call.

While the people in the call centre may seem nice, don’t be fooled, they’re not the ones coming out to work on your lock.

Terry Whin-Yates is a 3rd Generation Locksmith with a BA (Hons) Criminology. He has 35 years experience in the locksmith and security industry and is a locksmith trainer providing locksmith training to people and businesses all across North America. Terry Whin-Yates‘ BC Security License is B4227.

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Friday, November 2, 2018

2019 Las Vegas Locksmith Training

All Hands-On Locksmith Training NOW FREE for new students
Have you ever wanted to know how to pick locks from a master locksmith? Looking for a career change or to advance your skills as a locksmith? We’ll teach you everything you need to know to be a successful locksmith.All of our hands-on locksmith training classes are included with an 18-month membership to our online courses.You can gain access to all you need to know for $1,500 USD.This includes ONE free hands-on locksmith training course a year.

Book your spot today!

Las Vegas Hands-On Locksmith Training

Want to join us at Club De Soleil Las Vegas for our 4-day hands-on locksmith training course? With every signup in the next 5 days, we will include a free set of premium grade lockpicks that we have manufactured.

Please contact Jonathan at jonathan@mrlocksmith.com for more details.

Buy access to our online courses to obtain FREE access to our Las Vegas
hands-on classes

NOVEMBER 12-15 2018 Las Vegas Training Class

 2019 Las Vegas Training Dates
January 28-31, 2019 (10am – 3pm)
April 7-10, 2019 (10am – 3pm)September 16-19, 2019 (10am – 3pm)December 9-12, 2019 (10am – 3pm)

View our Las Vegas Training video 

As you probably know, we have released several training classes in Las Vegas, NV for November 2018 and many dates in 2019. Per high demand and popular request, these spots will go extremely quickly.

View the Las Vegas class schedule here

The online locksmith training course fee is deductible towards your licensing fee if you wish to become a part of Mr. Locksmith or Mr. ProLock.

We also have many franchise/licensing opportunities available in the USA and in Canada.

If you wish to become a franchisee/licensee, please visit this page and fill out the form here.

Franchise/licensing opportunities are available in almost every state/province. Contact Terry at 1-888-503-5003 for more information about business opportunities or email terry@mrlocksmith.com.

Terry Whin-Yates is a 3rd Generation Locksmith with over 30+ years of locksmithing experience and a BA (Hons) in Criminology. I will teach you how to rekey and pick locks like a Professional Locksmith. This is a Hands-On Locksmith Class covering basic to advanced Lock Picking Methods and Techniques. Learning how to pick open locks starts with learning the basic to advanced methods of lock picking. The locksmith student will learn the various methods of picking open a lock. I have been teaching locksmith, military and police for over 30 years how to pick open deadbolts, key-in-knob, padlocks, filing cabinets and “pick resistant” and “pick proof” locks. The lock picking class will cover the basic methods are as “Rake,” “Feel” and “Rake and Feel” lock picking methods to advanced lock picking techniques to open locks with mushroom, spool, and spiral pins. We will cover and discuss:

  • Rekey Deadbolt
  • Rekey Key in Knobs
  • Shiming a lock
  • Picking a lock
  • Opening a lock with no keys
  • Single pin picking, Feel Method, French Method
  • Raking, Jiggling, Bumping, Scrubbing
  • Can you lock even be picked?
  • High-Security Locks
  • Tubular, Ace, etc.
  • The lock has malfunctioned.
  • Reading
  • Buying Picks
  • Making Picks
  • Electronic Picks
  • Pick Guns
  • Methods of Entry
  • Legal Issues
  • Tactics
  • Tools
  • Preparation for Entry
  • Setup your own Lock Practice Boards
  • Automotive Lock Picking
  • Other Lock Bypass Methods
  • DAME (Defense Against Methods of Entry)
  • And lots more!

This class free for online locksmith training students from October 14, 2018 (NEW STUDENTS ONLY).

All Lock Picking Students will get access to my five (5) online video on Picking Locks, Using Plug Spinners, etc. and my new book. FREE for all students! As an added bonus you will get a copy of my new book “Penetration Expert: ”How to be a Professional Lock Picker” for FREE and access to Five (5) or my Private On-line Lock Picking Videos. Important Note: All students must pass a Criminal Records Check / Security Clearance from your local Police Force.

All past students will also receive a special bonus! I’ll also throw in a Lab Smart Wedge Universal Pin Kit (.003) a $200 value!

In addition, if you want to purchase lock picks and join the “Penetration Expert: Locksmiths Always Get In” Lock Picking Club you must pass a Criminal Records Check / Security Clearance.

Please click here for details and to purchase.
NOVEMBER 12-15 2018 Las Vegas Training Class

 2019 Las Vegas Training Dates

January 28-31, 2019 (10am – 3pm)

April 7-10, 2019 (10am – 3pm)

September 16-19, 2019 (10am – 3pm)

December 9-12, 2019 (10am – 3pm)

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Monday, October 8, 2018

Current Mortgage Rates Rise to Start the Week

Here we go with another week. Current mortgage rates have been rising steadily over the past month, a trend that we expect to persist for the foreseeable future.

Inflation data, overseas trade negotiations, and speaking engagements from the Federal Reserve should be the main market movers this week. Read on for more details.

Where are mortgage rates going?  

The market continues to fear rising interest rates

Financial market participants are continuing to grapple with the fear that interest rates will surge in the coming weeks and months, putting stocks in a position to fall for the third consecutive day.

All of the major market indexes are in the red right now with the Dow Jones Industrial Average notably falling 106 points to start the week.

The bond market is closed today so we’ll have to wait until tomorrow to see where yields go, but in the past month we’ve already seen the yield on the 10-year Treasury note (the best market indicator of where mortgage rates are going) continue to hit levels that haven’t been reached in well over five years.

Mortgage rates tend to move in the same direction as the 10-year yield, so we’ve seen rates move higher, albeit at a slower pace, over the past month. The general consensus is that mortgage rates will continue to move higher as we approach the end of the year.

Of course, the economic data still has to match up and we’ll get a couple key inflation readings this week which investors will be closely watching.

If those reports (consumer and producer prices) come in showing inflation rising at a steady pace, we’ll likely see bond yields and mortgage rates rise steadily as they’ve been doing.

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Rate/Float Recommendation                                     

Lock now before rates move even higher          

Mortgage rates have been rising and are expected to continue doing so in the coming weeks and months. If you’re thinking about buying a home or refinancing your current mortgage, we strongly recommend that you do so sooner rather than later in order to lock in the lowest rate possible.

Learn what you can do to get the best interest rate possible.  

Today’s economic data:                   

  • Nothing

Notable events this week:       

Monday:   

  • Nothing

Tuesday:   

  • Fedspeak
  • NFIB Small Business Optimism Index

Wednesday:         

  • PPI-FD
  • Atlanta Fed Business Inflation Expectations
  • 10-Yr Note Auction

Thursday:     

  • CPI
  • Jobless Claims
  • EIA Petroleum Status Report

Friday:          

  • Import and Export Prices
  • Fedspeak
  • Consumer Sentiment

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*Terms and conditions apply.



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Monday, October 1, 2018

Current Mortgage Rates Continue to Rise Gradually

Here we go with yet another week. We should be in for a bit of action with a handful of speaking engagements from Federal Reserve officials and the September Jobs Report on Friday morning.

Mortgage rates will likely remain in a tight range but it wouldn’t be too surprising if they jumped around a little. Read on for more details.

Where are mortgage rates going?  

Mortgage rates poised to stay in tight range

Mortgage rates have been on the rise for a little over a month now.

Last week, the Federal Reserve followed through with a widely anticipated increase to the nation’s benchmark interest rate, the federal funds rate.

Financial market participants had already priced that rise into their portfolios so there was little commotion once the final verdict came through.

Looking ahead to the rest of the year, investors are giving the December meeting the greatest odds of another quarter point increase with about an 80% chance according to the CME Group’s Fed Funds Futures.

Getting back to events closer on the horizon, we have several speaking engagements from Federal Reserve officials this week.

It will be interesting to get their takes on the recent decision and see if they offer any insight into what might happen in the coming months.

Also this week, we have the monthly jobs report for September out on Friday morning.

That report is always one of the most closely watched pieces of economic data every month and there’s no reason to believe that this time around will be different. Depending on what happens, we could see mortgage rates rise or fall as we head into the weekend.

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Rate/Float Recommendation                                     

Lock now before rates move even higher          

Mortgage rates have been moving higher recently and that trend is expected to continue over the coming weeks and months.

If you’re on the market for a purchase or refinance, we strongly recommend that you take action sooner rather than later in order to get the best rate possible.

The longer you wait, the more likely it is that you will be locking in a higher rate and paying more in interest over the life of your loan.

Learn what you can do to get the best interest rate possible.  

Today’s economic data:                   

Fedspeak 

  • Atlanta Fed President Raphael Bostic at 8:30am
  • Minneapolis Fed President Neel Kashkari at 11:00am
  • Boston Fed President at 12:15pm

PMI Manufacturing Index 

The PMI Manufacturing Index hit a 55.6 for September. That’s slightly above the consensus for 54.5.

ISM Mfg Index

The ISM Mfg Index hit a 59.8 in September.

Construction Spending

Construction

Notable events this week:       

Monday:   

  • Fedspeak
  • PMI Manufacturing Index
  • ISM Mfg Index
  • Construction Spending

Tuesday:   

  • Fedspeak

Wednesday:         

  • Fedspeak
  • ADP Employment Report
  • PMI Services Index
  • ISM Non-Mfg Index
  • EIA Petroleum Status Report

Thursday:     

  • Fedspeak
  • Jobless Claims
  • Factory Orders

Friday:          

  • Employment Situation
  • International Trade
  • Fedspeak

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*Terms and conditions apply.



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Monday, September 24, 2018

Current Mortgage Rates Could Rise After Fed Announcement

Here we go with yet another week. There will be a lot to talk about over the next few days as the Federal Reserve’s Federal Open Market Committee meets on Tuesday and Wednesday to discuss the nation’s monetary policy path.

There are also a handful of other economic reports out that could impact mortgage rates. Read on for more details.

Where are mortgage rates going?

All eyes on the Federal Reserve

The FOMC meeting kicks off tomorrow and will wrap up on Wednesday afternoon at 2pm with a written statement and a press conference with Fed Chair Jerome Powell.

Financial market participants are widely anticipating the Fed to follow through with a quarter-point increase to the nation’s benchmark interest rate–the federal funds rate–bringing the target range up to 2.00%-2.25%.

This would be the eighth such increase since of the current cycle. While mortgage rates are not directly tied to the federal funds rate, they do tend to move in the same direction so it’s likely that rates will move higher.

With the rate hike on Wednesday having been close to guaranteed for quite some time now, the more important story will actually be the words that the the Fed uses in its written statement, as well as the answers that Powell gives to reporters during his press conference.

Investors want to know what the Fed is planning on doing in the coming months and will be closely watching for any clues that might appear. Notably, investors will be looking for signs that the Fed is on track for another increase this year, most likely in December.

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Rate/Float Recommendation                                    

Lock now before rates move even higher         

Mortgage rates have been on the rise the past few weeks and that trend is expected to continue over the coming months. If you’re on the market for a new home or to refinance your current mortgage, we strongly recommend that you lock in a rate sooner rather than later.

The longer you wait, the more likely it is that you’ll wind up getting a higher rate and paying more in interest over the life of the loan.

Learn what you can do to get the best interest rate possible.  

Today’s economic data:                  

Chicago Fed National Activity Index 

The Chicago Fed National Activity Index came in at a 0.18 for August. That puts the three month average at 0.24.

Dallas Fed Mfg Survey 

The Production Index hit a 23.3 in September. The General Activity Index hit a 28.1.

Notable events this week:       

Monday:   

  • Chicago Fed National Activity Index
  • Dallas Fed Mfg Survey

Tuesday:   

  • FOMC Meeting Begins
  • S&P Corelogic Case-Shiller HPI
  • FHFA House Price Index
  • Consumer Confidence
  • Richmond Fed Manufacturing Index

Wednesday:         

  • New Home Sales
  • EIA Petroleum Status Report
  • FOMC Meeting Announcement/Press Conference

Thursday:     

  • Durable Goods Orders
  • GDP
  • International Trade in Goods
  • Jobless Claims

Friday:          

  • Personal Income and Outlays
  • Chicago PMI Consumer Sentiment
  • Fedspeak

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*Terms and conditions apply.



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Monday, September 10, 2018

Current Mortgage Rates Hold Higher to Start the Week

It’s another week and mortgage rates are holding steady at the levels they moved up to on Friday. It’s a moderate economic calendar this week with some reports in the latter half that could cause rates to adjust. Read on for more details.

Where are mortgage rates going?                                              

Mortgage rates hold higher after strong jobs report

Here we go with yet another week. It’s a slow start for the markets as there’s little significant economic data scheduled for release; however, Friday’s events are still looming large.

Of course, I’m talking about the monthly jobs report for August, which showed that a very solid 201,000 jobs were added to the U.S. economy for that month. More importantly, average hourly earnings ticked up 0.4%, bringing the yearly growth rate to 2.9%–the highest rate since 2009.

The consensus was for an increase of 0.2%, so the strong uptick caught investors by surprise.

The good news caused financial market participants to increase their appetite for risk and move out of bonds and into stocks, pushing long-term treasury yields higher. The yield on the 10-year Treasury note (the best market indicator of where mortgage rates are going) ticked up about seven basis points to 2.94%.

Mortgage rates typically move in the same direction as the 10-year yield and similarly edged higher as we headed into the weekend. Today, mortgage rates are staying close to those levels as there’s little happening in the markets to make them adjust in either direction.

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Rate/Float Recommendation                                    

Lock now before rates move even higher         

Strong economic data pushed mortgage rates up higher on Friday. We’re expecting rates to continue to shift higher as the Federal Reserve gets ready to increase the nation’s benchmark interest rate later this month.

If you’re planning on buying a home or refinancing your current mortgage, we strongly recommend that you do so sooner rather than later. The longer you wait, the more likely it is that you’ll be locking in a higher interest rate and paying more over the life of your loan.

Learn what you can do to get the best interest rate possible.  

Today’s economic data:               

Fedspeak 

  • Atlanta Fed President Raphael Bostic at 11:30am

Notable events this week:       

Monday:   

  • Fedspeak

Tuesday:   

  • NFIB Small Business Optimism Index
  • JOLTS

Wednesday:         

  • PPI-FD
  • EIA Petroleum Status Report
  • 10-Yr Note Auction
  • Beige Book

Thursday:     

  • CPI
  • Jobless Claims
  • Fedspeak

Friday:          

  • Retail Sales
  • Import and Export Prices
  • Fedspeak
  • Industrial Production
  • Consumer Sentiment

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*Terms and conditions apply.



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Saturday, September 8, 2018

Oldest Lock and Door in Philippines | Mr. Locksmith Blog

Oldest Lock and Door in Philippines | Mr. Locksmith Blog

For further information go to Mr. Locksmith Maple Ridge.

On a recent trip to the Philippines, I was able to see the Oldest Lock and Door in the Philippines.

Mr. Locksmith Terry Whin-Yates Oldest Lock in the Philippines

The oldest documented house in the Philippines was built between 1675 to 1730 and is located in Barangay Parian, Cebu City, Philippines.

Considered to be one of the oldest residential houses in the Philippines, the Yap-Sandiego Ancestral House was built sometime between 1675 and 1700. It was originally owned by a Chinese merchant named Don Juan Yap and his wife, Doña Maria Florido.

The materials used for the construction of the Yap-Sandiego Ancestral House were coral stones that were glued together with egg whites. The roof is made of “Tisa” clay which weighs 1 kilogram in each piece. The wooden parts were made of “balayong” and “tugas” (molave) are considered to be the hardest wood of all time.

The Lock is a very simple wooden construction but it does the trick to secure the door.

 

Mr. Locksmith Oldest Lock in the Philippines

 

Mr. Locksmith House in the Philippines

 

For On-line and Hands-on Locksmith Training Dates and Cities near you for Beginners, Intermediate, Advanced Locksmithing as well as my Covert Methods of Entry, Non-destructive Methods of Entry and to purchase the Famous “Dumb Key Force Tool” that opens Smart Key locks in seconds go to Mr. Locksmith Training

For Locksmith Franchise and Licensing Opportunities go to http://mrlocksmith.com/locksmithfranchise-opportunities/

 

 

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