Your Moment of Trust

David gives the latest interest rates and Santa Barbara sales stats. He and his co-host Patt, discuss Open House etiquette. While David stresses that you should feel free to ask the Open House Realtor questions about the house you're viewing, he advises that it's a good idea to let the realtor know if you're already working with another realtor.

Then David and Patti shift their attention to The Fur Babies at Home segment. David discusses the benefits of feeding your dog a raw food diet and then discusses his new organic dog treats, Chowdees. To purchase chowdees dog treats, go to https://www.chowdees.com

A Podcast by BBB of the Tri-Counties

A BIG thank you to Ayers Auto Repairs in Santa Barbara for Supporting this Podcast

Welcome to this week’s edition of Your Moment of Trust! Electric bicycles— or e-bikes –
allow riders to go farther and faster than a standard bicycle. Riding an e-bike instead of
driving a car can help you lower your carbon footprint, save on gas money, and stay
active.

E-bikes come in many models and price ranges, so finding the right one for your needs
requires research. BBB recommends the following tips to help you pick the right e-bike
for your budget.

Tips for buying an e-bike

● Think about what you need. First, think about your riding style. Will your e-bike
be for recreation or commuting? Do you need to haul groceries or a child? Will
you be riding on dirt roads or pavement? Will you be riding on flat ground or
steep hills? How many miles will you cover on a trip? Knowing the answers to
these questions will help you narrow down your choices.

● Get to know e-bike classes. E-bikes are divided into classes. With class 1 electric
bicycles, the motor only runs when you pedal and stops running when you reach
20 mph. Class 2 e-bikes do the same but also have a throttle-powered mode.
Class 3 e-bikes work like class 1 bikes but assist up to 28 mph. Think about how
you intend to use your e-bike but check access rules too. E-bike regulations vary
from state to state and determine where to use the bike.

● Choose the right type of electric bicycle. There are many different kinds of
e-bikes. The style you pick depends on how you plan to use your bike.

○ Commuter bikes usually come with fenders, lights, and other accessories
that make them safer to use in traffic. Some come in foldable models,
making them easier to stow on public transportation.

○ Cruiser models are more comfortable and allow the rider to sit upright.
These are generally for recreation and don’t always come with
accessories that would make them suitable for long-distance trips.

○ E-mountain bikes have thicker frames and bigger tires and are suitable for
off-roading and steep inclines.

○ Performance road bikes are more lightweight and designed to tackle
longer distances with dropdown handlebars that help you maintain anaerodynamic posture.
○ Cargo bikes are robust and built to haul bulky items or even an extra
passenger.
● Understand the motor options. E-bikes come with either a hub-drive motor, which
sits in the wheel's hub, or a mid-drive motor on the bike's bottom bracket where
your pedals are. Mid-drive motors have a more natural feel, while rear-wheel
hub-drive motors make you feel like you are being pushed along.
● Need more power? Consider a high torque number. The lower the torque
number, the less powerful the bike will feel. If you are cruising city streets, this
may not be a problem, but if you plan to ride trails, gravel paths, or steep inclines,
you might need a higher torque rating.
● Be sure the battery meets your needs. Review battery ratings and determine how
many miles you can ride before recharging. Does this cover your commute
distance and other needs? Find out how many charge-discharge cycles you can
expect your battery to last. Quality e-bikes generally last for at least 1,000 full
cycles. For an average rider, the battery will last for about three to five years
before you need to replace it.
● Get the right size bike for you. Be sure you fit comfortably on the e-bike model
you are considering buying. You should feel comfortable when riding and be able
to mount and dismount without falling over. It’s always best to check out an
e-bike before buying. If you are shopping online, carefully compare the e-bike
measurements to those of a similar style bicycle you know you feel comfortable
on.
● Think about maintenance. Like any vehicle, your e-bike will need periodic
maintenance and perhaps even repairs. Always understand your warranty and
the type of tune-up and repairs needed. Purchase your e-bike from a company
that is happy to answer your questions and offers good customer service. This
will come in handy if you ever need a repair.

Until next time!

This podcast is brought to you by BBB of the Tri-Counties

A BIG thank you to Ayers Automotive Repairs for supporting this podcast.

Welcome to this week’s edition of Your Moment of Trust!

Summertime means grilling season is in full swing. But before you can host that backyard BBQ, you need a grill.

These tips will help you pick the right kind of grill at a price that fits your budget.

Tips for buying a grill

● Start by choosing a fuel type. Grills come in various budgets, so start by
narrowing your search according to fuel type. The most common options include 1.  Gas Grills, 2.  Charcoal or specialized ceramic grills, and 3. wood pellet grills.  

Gas grills are popular because of their convenience. These grills light with
the touch of a button and the turn of a few dials. If you want a gas grill, you
must decide between natural gas and propane. Natural grills plug into your
existing natural gas line, so you’ll never run out of fuel. Propane grills use
a cylinder that will need to be refilled. However, propane will be
significantly cheaper if you don’t have a natural gas line at your home.

Basic charcoal or specialized ceramic grills give you greater control over
cooking temperature. The bigger you build a fire, the higher the
temperature. Charcoal grills offer more classic grilled flavor than gas grills,
but they have a steeper learning curve.

Wood pellets. Pellet grills are designed to make food taste like cooked
over a wood fire. They often have digital thermostats that allow you to be
precise with the cooking temperature.

How to Choose the Right Grill:  

● Set a budget. Grill prices range from hundreds to thousands - to even tens of
thousands of dollars. Be sure to set your budget and know how much you can
spend before you start shopping. This will help you further narrow your options.

● Choose the right size. If you cook for a family of four, a two-burner gas grill or
most small to medium charcoal grills will work fine. Many grills are measured in
square inches. Grills around 400-500 square inches are a good choice for most
families. If you’re grilling for a crowd, you may need something larger.

● If you are new to grilling, start simple. A basic starter grill that only costs a couple
of hundred dollars will allow you to improve your grilling skills and decide if you
want to invest in something fancier.

● Check for solid construction. The more solid the grill, the more grilling seasons it
will last. Give assembled grills a jostle to see if they feel shaky or unstable. Grills
with welded joints are usually sturdier and more stable than carts assembled with bolts.  

A Podcast by BBB of the Tri-Counties

A BIG Thank you to Ayers Auto Repairs in Santa Barbara for making Scam Squad possible!

Welcome to this week’s edition of Your Moment of Trust!

After more than three years of relief, the payment pause on student loans is coming to an end. The U.S. Department of Education recently announced that student loan interest will resume September 1, 2023, and payments will be due starting in October. This student loan news affects millions of Americans, which creates an excellent opportunity for scammers. In fact, BBB has already received multiple reports of scams related to student loan repayment citing “new 2023 guidelines.” Get to know the signs of a scam and always be sure to do your research before sharing any personal information.

How the scam works:

 You receive an email, letter, or phone call from someone claiming you are eligible for “student loan consolidation,” “payment reduction program,” or a similar service. This new benefit is allegedly part of “the new 2023 guidelines,” and the scammer may even claim to represent the Federal Student Aid (FSA) department. If you respond, the scammer will ask you for personal information to “confirm your identity” or to “check your eligibility.” This information might include your Social Security number, name and address, and even your FSA.gov login information. One student loan holder reported the following experience: “I received an email stating that the Student Loan Department has been trying to contact me to tell me all of my student loans are eligible for forgiveness under the new 2023 guidelines. They wanted me to call the number between 11-7pm in Albuquerque, New Mexico and give them information in order to process forgiveness.” At this point the loan holder reached out their student loan company and learned that the email was scam. After “verifying your identity” the scammer will offer you an enticing plan to reduce your loan repayment. If you agree, you may end up making payments a third-party in vain for months or even years. None of your payments will go towards your student loan. And even if you don’t make a payment, sharing personal information puts you at risk for identity theft.

Tips to avoid student loan forgiveness scams

● Get to know the terms of your student loan and the relief program before acting. Always do your research before sharing personal information. Be sure to understand the ins and outs of your specific loan and how student loan terms impact you. You may have to research who your current loan servicer is since it may have changed. Reach out to them to explore all your repayment options and make sure your contact information is up to date. For information, go straight to official government websites, such as ED.gov and studentaid.gov.

● Never pay money for a free government program. Scammers often trick victims into paying for free government programs – or they claim you can get additional benefits, faster benefits, etc., for a fee. A real government agency will not ask for an advanced processing fee. These are all red flags of a scam.

● Be wary of out-of-the-blue calls, emails, or text messages claiming to be from the government. Generally, the government will not contact you using these methods unless you grant permission.

● Watch out for phony government agencies or programs. If you speak to someone claiming to be a government representative offering you student loan relief, research before you agree to anything. Scammers often make up look-alike government websites that sound similar to legitimate agencies or programs.

● Think something seems suspicious? Reach out to the agency directly. If you have any concerns about an alleged government representative's legitimacy, hang up the phone or stop emailing/texting. Then, find the official contact information (look on ED.gov and studentaid.gov or other official sites) and call to verify. Then, report suspicious calls or messages.

● Be careful, even if the information comes from a friend. Even if a close friend or family member you trust sent you the information regarding student loan relief, make sure the claims are real first. During the COVID-19 pandemic, BBB received many reports of hacked social media accounts being used to spread government impostor scams. For more information Read more on BBB.org about scams targeting recent college graduates and government impostors. Get further insight by reading BBB’s tips on loans and credit repair services. If you’ve spotted a student loan forgiveness scam (whether or not you’ve lost money), report it to BBB.org/ScamTracker. Your report can help others avoid falling victim to scams.

Until next time!

This Podcast is brought to you by BBB of the Tri-Counties

A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast. https://www.bbb.org/local-bbb/bbb-of-the-tri-counties

Welcome to this week’s edition of Your Moment of Trust! Between booking flights, hotels, a rental car, and things to do, planning a vacation can get stressful. It’s one reason many travelers turn to vacation packages, which bundle multiple aspects of your trip. Vacation packages are simpler to purchase and can save you money too. To get the best deal and to avoid unpleasant surprises, BBB recommends the following tips when booking a vacation package.

● Count the cost. The best way to know if you’re getting a good deal on a vacation package is to check the price for booking each part of the vacation separately. If a vacation package costs more than purchasing hotels, flights, rental cars, etc., separately, you might want to make your bookings instead.

● Be flexible to get the best deal. Getting a better value for your vacation package is easier if you can be flexible with your dates. This is also true if you’re flexible with your destination. Is your heart set on Cancun, but it’s outside your budget? Why not consider a travel package that takes you to a lesser-known beach in Mexico? The same goes for airport choices. Being open to departing from any nearby airport might save you hundreds of dollars.

● Know that you can extend travel dates (usually). If you’re offered a package with pre-established dates, know that most packages allow you to extend your trip or modify the dates as you see fit. You’ll pay more for different dates, but it can be done. However, if you can’t extend your trip for the package you’re interested in, you can always find your way home. Taking advantage of the travel package and adding your travel plans to the end of your trip is still an option.

● Book early or last minute. You can also get a good deal by booking your trip early or scoring a last-minute deal. If last-minute travel plans sound stressful, consider blocking off the time earlier in the year and hunting up your travel package the week before.

● Read the fine print. Always read and re-read the fine print when booking a vacation package to ensure you know exactly what is included and what isn’t. Airfare and your hotel might be included in the price, but what about land transfers, tips, activities, amenities, and food? The last thing you want is to assume your package is all-inclusive, only to discover you’ll need to pay for more than you expected after arriving at your destination.

● Check the refund and cancelation policies. Get to know how cancelations and refunds are handled if your trip is interrupted by illness, bad weather, or other unforeseen events. You’ll find this information in the fine print as well.

● Think about loyalty points and travel rewards. If you travel regularly, you might want to earn points through a loyalty program you use or redeem travel rewards for your next trip. This isn’t always possible when booking vacation packages. However, it might be if you book a vacation package through the company you get rewards from. For example, if you have plenty of sky miles saved up through your favorite airline’s loyalty program, try booking a vacation package through them.

● Watch out for scams. As always, you’ll need to watch for bad actors when searching for a good vacation package. Book through reputable vendors and be wary of travel companies you haven’t heard of before. Research to ensure they have a good business reputation before booking a trip. Read plenty of reviews, keeping a close eye out for complaints and reports of scams.

Until Next time!

A Podcast from BBB of the Tri-Counties: 

A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast

Welcome to this week’s edition of Your Moment of Trust! You are on a fitness journey

and have decided to purchase a fitness tracker. Having a fitness tracker can raise

awareness of your activities throughout the day. The benefits of a fitness tracker are

also connecting you to friends and an extended community of fitness enthusiasts. See

BBB's tips on choosing a fitness tracker.

Within a couple of weeks, you start receiving messages from a member of your fitness

application social group. The sender begins by asking about your fitness goals, and

then the conversation becomes more personal. Questions are asked about your family,

where you work, and your hobbies. After creating a bond, the scammers start sharing

fake personal stories with you.

"He told me he was a single dad working overseas to provide for his daughter," one

victim said. "I really believed him, and once I sent him money the first time, he continued

to ask repeatedly. When I refused to send more money, he threatened me and my

family. I am now out of $100,000, and I know it will be difficult to get any of that money

back."

Signs of the scam:

● Moving fast. Scammers will begin to ask personal questions quickly. (Are you

married, where do you work, etc.).

● Emotional stories. The scammer may have a sick, elderly parent or child needing

medical care.

● Specific instructions when asking for financial help. The scammer will request

you wire money or use a prepaid debit card.

● Ask to communicate differently. As the scammer develops a relationship with a

victim, they will ask for email contact or a personal cell phone number to connect

outside the app.

Tips to avoid fitness app and other social app scams:

● Do not post a picture of yourself as a profile. Use an avatar or free stock photo as

a protective measure to avoid scammers targeting certain groups of people (ex:

senior community).

● Do not share personal information (marital status, employment) with a stranger.

The more the scammer knows about you, the more information they have to

manipulate you out of your identity and money.

● Think before accepting requests from strangers. Being a part of a community is

rewarding but can also be dangerous. Only connect with people you already

know.

● Avoid clicking on unsolicited links. Clicking on a link may lead to downloading

malware onto your device. The downloaded malware can lead to scammers

collecting personally identifiable information that can be used for identity theft or

tracking your digital footprint.

● Share with a family member or close friend. If uncomfortable or unsure about the

communication you receive, share your concerns with someone you know.

Receiving a different perspective is always helpful when in doubt.

Until next time!

For more scam warnings, visit  https://www.youtube.com/c/ScamSquad/videos

A podcast by BBB of the Tri-Counties

A BIG Thank You to Ayers Automotive Repairs in Santa Barbara for supporting this podcast!

Welcome to this week’s edition of Your Moment of Trust!

When planning your summer vacation, consider renting an RV or camper. Over the past few years, camping has become more appealing as a vacation option and caused a massive rise in RV sales and prices. RVs and campers allow vacationers to travel and see multiple sights – while maintaining a private space, they can control. You should consider many factors before renting an RV, especially if you are a first-timer.

Tips for renting an RV or camper:

 To get the most out of your RV rental and to make sure your vacation goes off without a hitch, follow these tips:

Get to know different RV classes. One of the biggest decisions you’ll need is what kind of RV you want to rent. Both towable RVs (often called campers) and motorized RVs are available. If you want a camper, you’ll need a vehicle to pull it. If you prefer a motorized RV, consider what kind of transportation you’ll need (if any) after the RV is parked. Motorized RVs come in three classes: A, B, and C. You generally don’t need a special license to drive any RVs, but there are significant differences in how each class drives. Class A RVs are the largest and can measure up to 45 feet in length. They are also the hardest to maneuver because of their large size and may not be suitable for someone who has never driven an RV before. Class B RVs fall between 16 and 22 feet long and best suit couples or individuals. They are also the easiest to drive since they handle large trucks or vans. Class C RVs are in-between, usually sleeping four to six people and measuring 21 to 35 feet long. A Class C RV drives like a moving truck with no rear-view mirror capability. Once you’ve decided what kind of RV suits you and your traveling companions, you can narrow your search to specific models within a class. Knowing what type of RV you’ll rent will help you plan other aspects of your trip.

Budget your trip. Depending on the size of the RV, you can expect to pay anywhere from $50 to $300 per night on average. Luxury Class A RVs can cost considerably more per night. However, coming up with a trip budget involves much more than just the rental price per night of the RV. You’ll also need to factor in insurance, gas, campground fees, food, and any additional activities you have planned for your trip. Remember that RV rental companies often allot you a certain number of miles and generator time. You’ll be charged additional miles or time if you exceed the designated amounts.

Choose a booking company. Once you know what kind of RV you want to rent and how much you can spend, you can browse options with different booking companies. Here, too, you have several options. Some booking companies own their vehicles and offer standardized rates and experiences. Others work more like Airbnb; they have various RVs owned and leased by individuals. Policies vary from business to business, and while some companies include mileage and insurance in their booking price, others offer them as add-ons that must be paid for separately. Be sure to read up on each booking company’s policies and review past customer reviews before you do business with them.

Take a walkthrough. When you find an RV or camper interested in renting, taking a walkthrough tour is essential. Not only will you be able to see if the RV measures up to its online description, but you can also learn how to operate the RV. Take advantage of a walkthrough to find out how the generator and electrical hook-ups work, how to dump water tanks, how to operate the awnings, or any other basic functions you need clarification on.

Purchase insurance. If insurance isn’t included in the basic price of your RV rental, be sure to purchase it separately. Most states require at least liability insurance for motorized RVs. Your standard car insurance policy usually covers campers, but check with your insurance company. A good insurance policy will give you peace of mind and protection in case of accidents, bad weather, or theft.

Plan your route. Start planning your route by deciding where to park your RV during your journey. If you want to park at a U.S. National Park, you must book well in advance, sometimes a year or more. You’ll also need to book for state parks and privately-owned campgrounds in advance. If you are new to driving an RV, you might want to choose pull-through parking spaces instead of spaces you’ll have to back into. In addition, some hotels and other tourist destinations offer RV parking for visitors. After you know where you’ll park, double-check your chosen route to ensure it doesn’t include any narrow roads, low bridges, or tunnels that the RV won’t fit in or under. Keep the height of your RV in mind when you make pit stops, too. First-time RV drivers sometimes forget common low clearance situations, such as fast-food drive-throughs.

Know what to bring. Amenities vary from one RV to another, so make sure you know what’s included before you start packing. Some booking companies include sheets, utensils, and cookware, while others don’t. Knowing what is included will help you avoid packing non-essentials. Packing a tool kit and a first aid kit is a good idea if these aren’t already on board the RV. Learn to set up campsites.

Many seasoned RV renters advise arriving at your campsite early. It’s much easier to park and set up electric and water hookups with plenty of daylight. Read the RV manual before your trip to understand how to hook up at a campsite and how to dump wastewater. Remember that dumping wastewater can be a messy experience, and many campers prefer to pay for on-site dump services. This may be a preferable option if your campground provides this service. Other campers use public restrooms and showers to avoid dumping waste at all. Until next time

Until next time!

A podcast by BBB of the Tri-Counties:

A BIG thank you to Ayers Automotive Repair in Santa Barbara, for supporting this podcast

Use caution when hiring a home improvement contractor, especially following a major storm, flood, or weather event when many homeowners are trying to repair their homes. However, contractor scams can happen anytime, so be wary of high-pressure sales tactics, upfront fees, and fly-by-night businesses. Con artists will take homeowners’ money and deliver (or not deliver) less than quality work.

How the scam works:

Home improvement scams can start with a knock on the door, a flyer, or an ad. The contractor may offer a low price or a short timeframe. One common hook is when the scammer claims to be working in your neighborhood on another project and has leftover supplies.

Once started, a rogue contractor may "find" issues that significantly raise the price. If you object, they threaten to walk away and leave a half-finished project. Or they may accept your upfront deposit and never return to do the job. Following a natural disaster, scammers persuade homeowners to sign over their insurance payments.

Tips to spot this scam:

• Watch out for "red flags." Say no to cash-only deals, high-pressure sales tactics, high upfront payments, handshake deals without a contract, and on-site inspections. Not all “storm chasers” are con artists, but enough are that you should be cautious any time a home contractor contacts you first…especially after a natural disaster.
  
  
• Ask for references and check them out. Bad contractors will be reluctant to share this information, and scammers won’t wait for you to do your homework. If you can, get references from past customers, both older references to check on the quality of the work and newer references to ensure current employees are up to the task. Check them out at BBB.org to see what other customers have experienced. And always get a written contract with the price, materials, and timeline. The more detail, the better. 

• Know the law. Work with local businesses that have proper identification, licensing, and insurance. Confirm that your vendor will get related permits, and make sure you know who is responsible for what according to your local laws and that your vendor is ready to comply. 

To report a scam, go to BBB Scam Tracker.

Be sure to check out more scam warnings on Scam Squad

A Podcast by BBB of the Tri-Counties 

A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast.

Welcome to this week’s edition of Your Moment of Trust! 

Premiumization is when companies offer higher-end products and services for a premium price. Airlines selling both business class vs. economy seats are a classic example. Another is car manufacturers offering a standard model and one featuring heated seats and leather trim.

While these two examples have been around for decades, premiumization has expanded since the Covid-19 pandemic. Now, businesses selling everything from beauty products to booze are adding new premium options and services. As a consumer, evaluating premium options can be tricky. Here are BBB’s tips for weighing new premium options and ensuring you get the promised value.

Tips for navigating premiumization as a shopper

● Do your homework. Brands that offer premium products or services may look like luxury, but as with any purchase, doing some research is vital. Before paying a premium price, ensure the vendor is a trustworthy business with a reputation for good customer service. Look up businesses on BBB.org to review business ratings and comments from customers.

● Understand what makes a product premium. Many business owners are working to maintain profit margins by offering their clients added value in a premium package. However, if a product or service claims to be premium, find out why. Specifically, what makes it better than the basic option? If a vendor can’t give you a good answer, skip the premium price and shop elsewhere.

● Comparison shop. To get the best deal on anything, comparison shopping is a must. This is also true when considering a company’s premium offerings. Find out what similar companies offer and their price point to see if you are really getting added value for the higher price.

● Watch for “greenwashing.” Many companies promote premium options as more sustainable, lower waste, or all-natural. But be wary of misleading green marketing claims. The Federal Trade Commission advises consumers to look for specific information on packages and products that explain why the product is green.

● Keep track of subscriptions. Many companies offer premium services in the form of a subscription. This might mean paying a monthly fee for quicker delivery, exclusive content, or access to superior products. If you purchase a subscription,

and especially if you purchase multiple subscriptions, keep track of them. Review paid subscriptions regularly and cancel any you no longer need to avoid unnecessary spending.

● Don’t want premium? Explore new brands. While some companies are leaning into new premium offerings, others are filling the lower-price space with cheaper options. For example, make-up brands are creating new products similar to high-end options but sell for a fraction of the price.

● Stick to your budget. A good budget can do wonders for your financial health, but only if you respect your spending limits. If your budget only allows you to purchase the basic version of a product or service, skip the premium offerings to keep your finances in the green.

Until next time!

A podcast by BBB of the Tri-Counties

A BIG thank for to Ayers Automotive Repair in Santa Barbara

Welcome to this week’s edition of Your Moment of Trust!

Tricky websites claim to offer discounted prices on Stanley cups and tumblers in a scam reported to BBB Scam Tracker repeatedly in recent weeks.

Here’s how to spot the scam so you don’t lose money or personal information to con artists.

How the scam works:

You see an ad for Stanley travel cups on social media or after an online search. It appears to be from the official Stanley company or a popular sporting goods store. According to an ad, the store is running a flash sale with great prices on the cups – some are discounted to half the original price or more. Enticed by a good deal, you click on the link. When you do, you’re redirected to a website where you can purchase. It looks like a legitimate site, so you enter your payment information and are charged for the item. However, soon after ordering, you’ll notice some red flags. Some buyers reported never receiving a confirmation email and being unable to contact the company. Others received shipping information, but their product was never delivered. Several victims reported getting confirmation that their product had been delivered to Alaska, which is not where they reside. Here’s one consumer’s firsthand experience: “There was an advertisement for Stanley travel cups for Mother’s Day through Dick’s Sporting Goods. I clicked the ad and was taken to the ‘Stanley’ website, where I ordered and entered my credit card info. I received an order confirmation notice and tracking information from the seller. However, my travel cups were apparently ‘delivered’ in a completely different state, almost 800 miles from my location! The items were delivered the day after a ‘Missing Mail Search Request’ was initiated, but it wasn’t initiated or requested by me. I have tried to contact both the shipping company and the seller through their website but have not gotten any response.” If you purchase through a shady website, your personal information and the money you spend will be gone for good. The Stanley cup you ordered never even existed.

How to avoid online shopping scams:

● Only make purchases through sellers you know and trust. When making purchases online, only buy products from reputable businesses. If you find a great deal through a seller you’ve never heard of, do plenty of research to ensure they are legit before entrusting them with your personal information and hard-earned money.

● Watch out for imitation websites. Even if you think you are on a well-known vendor’s website, you might not be. Scammers are experts at making lookalike websites to fool consumers into entering their personal and payment information. Take a hard look at the URL to ensure you aren’t on a website that looks like a seller you know but is off by a word or even a single letter.

● Beness’ social media feed and website, and read reviews about the company on third-party websites to ensure they are a real business with real customers, quality products, and good customer service.

● Stay extra vigilant around holidays. BBB Scam Tracker received multiple reports each day about this Stanley cup scam just before Mother’s Day. If a holiday is approaching (especially one where it’s customary to send gifts), stay alert to the possibility of scams. Don’t wait until the last minute to purchase a gift, either. Bad actors play on people’s desire to get a good deal. Plus, they know that last-minute shoppers are more vulnerable to scams than someone with plenty of time to research the seller.   Until next time! cautious about ads on social media. Many reputable businesses run social media ads but so do scammers. Sort real businesses from scams by doing your research!

A Podcast by BBB of the Tri-Coumties

A BIG thank you to Ayers Automotive Repairs in Santa Barbara, CA

Welcome to this week’s edition of Your Moment of Trust! How can you choose the best moving option – one that fits both your needs and your budget? Knowing your options (and the perks and downfalls of each one) can help you save money and safely transport your belongings.

Option 1: Full-service moving companies

Hiring a full-service moving company is a lower-stress way of getting all your belongings from Point A to Point B, advises Nerd Wallet, a BBB Accredited Business. Professional movers manage the logistics of loading, driving, and unloading your things for you. Some full-service movers even offer extra services like packing.

Trained movers can safely pack and transport large and/or delicate items (think pianos and antique furniture). They can also move items into hard-to-access areas, such as upstairs or down long, narrow driveways. Best of all, all the heavy lifting will be done for you.

The downsides of hiring a full-service moving company are the cost and the time it takes to complete a move. This is usually the most expensive way to move your belongings. If you are making a long-distance move, it may also take movers several days to deliver your items.

Option 2: Shipping your belongings

If you’ve managed to whittle your belongings down to a few boxes or suitcases, shipping them is a cheap and easy way to move—especially if you are moving across the country, points out Consumer Affairs.

Big-name package shippers often charge a premium to ship large or heavy boxes. But other companies, like long-distance bus lines, may offer cheaper services. Some shippers will pick up boxes from your home and drop them off at your new address for an extra fee.

While cost and ease are two big pros of this method, there are a few cons too. Boxes shipped by ground may take several days or even a few weeks to arrive at their destination. In addition, this isn’t a good option if your boxes contain fragile items.

If you are flying to your new home city, check with several airlines before you buy your ticket. Some airlines offer reasonable prices on additional checked bags, but you’ll probably need to do some searching to find the best deal.

Option 3: DIY truck rentals

If you have larger items but still want to move DIY, a truck rental company could be a good choice. Truck rental companies will provide you with a truck or trailer of an appropriate size, but you’ll be responsible for the packing, loading, driving, and unloading.

This option is less expensive than hiring professional movers. Depending on how far you are going, it may be cheaper than hiring a moving container service. Move.org has calculated average prices for DIY moves.

That said, loading and unloading a truck is physically demanding. If you have any large or unwieldy items, they could be damaged if they aren’t packed, loaded, and unloaded correctly. To address this, you can always hire movers to help you load and unload the truck.

You’ll also need to feel comfortable driving a moving truck, which is probably much larger and heavier than your regular vehicle. This can be stressful even for very capable drivers, and you might need to purchase extra insurance in case of accidents or damage. If you choose this route, add gas, insurance, and lodging to the truck rental company's quote for an accurate view of the total cost.

Option 4: Moving container services

Moving container services could be an ideal option if you don’t feel comfortable driving a rental truck to your new home. Moving container services bring a portable storage container to your home. You fill it up. Then, the company transports it to your new location, where you unload your belongings.

These companies usually give you a few days to load and unload. They can also store your container for a fee if you need time to find a new house in your new city. They are less costly than a full-service moving company, and you don’t have to worry about driving a big truck to your new home.

To take advantage of moving container services, you’ll need space. If your current or new home has no parking or a driveway on a steep incline, this option might not be feasible. Some moving container services offer movers to load and unload your items if you pay an extra fee. However, in many cases, paying the fee will make the moving container service more expensive or even more expensive than a full-service moving company. To get an idea of pricing for this option, see this article on Move.org.

For more information

Learn more by reviewing the BBB Moving Resources page.

Until next time!

A Podcast by BBB of the Tri-Counties

A Big thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast!

This year’s college graduates are getting ready to start their new lives! It’s a big transition that includes several important changes. Grads may be moving to a new city, finding a new place to live, or searching for a new job. Graduation also often means new financial responsibilities, such as starting payments on student loans.  College graduates are navigating many life changes, and scammers are eager to exploit their inexperience. The following tips can help new grads avoid common scams.

Know the terms of your student loans

One of the most common ways scammers target college graduates is with fake loan
forgiveness opportunities. You may receive an unsolicited email, phone call, or text
message stating that you can qualify for lowered payments through a debt forgiveness
program. Fill out a form and pay a fee to use the company's services. Some of these
companies are real, but they pitch their services with false claims and incomplete
information. Other companies are fakes, only hoping to get their hands on your personal
information and money.  Scammers may also contact college grads regarding student loan repayment hiatus in response to COVID-19. See the latest U.S. information on loan repayment. Check Canada's latest student loan information.. Scammers may claim that to take advantage of the program, you must complete a form or pay a fee. You may not need to do this, so check your facts before giving anyone your information.

Understanding the ins and outs of your student loan - what kind of interest you owe,
when you need to start paying (in most cases, you won’t need to make a payment until
six months after you’ve graduated), and for how long you’ll be expected to make payments - will protect you from these scams.

Be wary of unsolicited messages about unpaid tuition

Some con artists contact graduates or their parents, claiming some of their tuition was
left unpaid. The graduate’s degree will be revoked if it isn't paid immediately. Scammers
may ask you to send money via wire transfer or prepaid debit cards. Whether you are contacted by phone, email, or text message, be wary of anyone who contacts you out of the blue. Government agencies, as well as most higher education facilities, will contact you by mail initially. Suppose you aren’t sure if a message is legitimate, research to verify the person’s claims. Ask to contact them later. Then, investigate by looking up information on the official website or calling your school’s bursar’s office. Don’t give in to pressure to make a decision right away.

Do research before accepting jobs or job interviews

Scammers may offer recent graduates high-paying, easy, entry-level jobs. Con artists
are skilled at drawing new grads in by promoting unrealistic wages for generally labeled
job positions, such as “virtual assistant” or “customer service rep.” They may ask for
your personal information, including your bank account and Social Security number,
claiming they need it to set up direct deposit or file taxes. In other cases, scammers
require you to pay for training. In yet another version, you may be “accidentally”
overpaid with a fake check and asked to send back the extra funds.  If you are considering a job with a company you aren’t familiar with, do some research before you complete an application or agree to an interview. Ensure the company has legitimate contact information and the position is posted on their corporate website. Scammers often steal the names of real companies for their phony job postings.  For tips for avoiding scams while job hunting, check out BBB’s report on employment scams.

Watch out for rental scams

Find a gorgeous apartment in a trendy neighborhood at an affordable price. There’s a
good chance that it’s a scam. According to a survey by Apartment List, 43% of people
looking for a rental online have encountered a bogus listing. In many cases, scammers copy the photo and description of real property. Then, they post it online with their contact information and try to get a deposit and the first month’s rent from the victim. If you want to rent a home or apartment, find out how much other rental properties in the area cost before signing a lease. Scammers often lure victims by promising low rents, extra amenities, and a great location. It may be a scam if the price seems much better than elsewhere. Also, be sure to see the apartment or house in person. Don’t send money to someone you’ve never met for an apartment you haven’t seen. If you can’t visit an apartment or house yourself, ask someone you trust to go and confirm that it is what was advertised. Finally, read the lease agreement documents before you sign. Don’t be embarrassed to consult with friends or family members who may be more knowledgeable on the subject if you have doubts or questions. See this BBB investigation for more tips on rental scams.

Until next time!

A Podcast by BBB of the Tri-Counties

A BIG Thank you to Ayers Auto Repair in Santa Barbara for supporting this podcast!

Welcome to this week’s edition of Your Moment of Trust! Artificial intelligence (AI) is the hot new thing. It’s revolutionizing medical research, challenging the art world, and even helping small business owners streamline and automate tasks. But as with anything new and popular, scammers are quick to take advantage. When evaluating AI products for your business, be on the lookout for scams. 

How the scam works 

You get an unsolicited call, email, or text message claiming to offer AI services for small businesses. You may even stumble across a convincing looking ad on social media or be sent one by a friend. The services sound amazing. You’ll pay a reasonable amount upfront, and once the AI is set up, you can expect incredible benefits, such as automating all your marketing needs. If the ROI sounds too good to be true, that’s because it is. 

One small business owner reported signing up for a “free” trial of what appeared to be a promising new AI product. They lamented, “The company charged me $144 plus $12 ‘processing fee’ before the free trial was up… When I explained the situation over email… the 'Sr Success Manager' denied a refund and would not put me in contact with anyone else at the company. I informed him that the company was partaking in misleading and false advertisement, and he failed to respond to my email.” 

If you engage with scammers offering phony AI services, you’ll likely lose any money you pay them. At the very least, your business information could fall into the hands of unscrupulous individuals and put you at risk for identity theft, business email compromise, and other cons. 

How to avoid AI scams 

● Research before you hire. Get to know a company before you do business with them. This requires thorough research. Review their website and social media accounts. If anything looks unprofessional or if contact information is missing or doesn’t work, steer clear. Do an internet search for reviews and complaints. Search the company name along with the word “scam” to find reports or any dishonest business practices. You can also look up companies at BBB.org. 

● Understand the AI services you need. Don’t let someone you’ve never met sell you on a service you’ve never heard of before. AI technology is relatively new, so you’ll need to do some research to understand how it works and exactly how it can benefit your business. It’s best practice to first have a use for AI clearly in

mind, and only then reach out to reputable companies for the service. 

● Watch out for aggressive sales tactics and far-fetched promises. These are two of scammers’ most effective tactics. If someone pressures you to buy a service, telling you you’ll miss out if you don’t act right now, or if they promise you your business will make hundreds or thousands of dollars with little to no effort on your part, it’s probably a scam. 

● Ask for references. If a company reaches out to you, ask them for references and contact them. Look up the references online to make sure they are real people, with real businesses. If you can’t find their information, or if the service provider refuses to give you references, find another company to work with. 

● Safeguard your money and personal details. Never enter your sensitive personal information on a website you aren’t familiar with. Don’t send your details via email to someone you don’t know. Keep your money safe by refusing to send funds via wire transfer or prepaid debit cards. If you do purchase a service online, only use your credit card. Credit cards offer extra protection against fraudulent charges. 

For more information 

Discover a similar scam offering fake marketing services to small business owners. Learn more about AI in the BBB Business Tip: AI for small business. Where to start? Then, visit the BBB small business page to get the latest news and tips for small business owners. 

See BBB's artificial intelligence HQ for more AI tips and resources. 

If you’ve been targeted by an AI scam, report it at BBB.org/ScamTracker – even if you didn’t lose any money. Your report helps build awareness about common scam tactics so other business owners can spot a scam before it’s too late. 

Until next time!

A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-...

A BIG thank you to Ayers Automotive Repair for Supporting this Channel!

Welcome to this week’s edition of Your Moment of Trust! Buying refurbished items can save you money, but it’s important to research before you take the plunge. While many reputable businesses offer quality pre-owned electronics, appliances, and other products for a fraction of their original price, BBB Scam Tracker has received reports of con artists ripping off consumers by promising a great deal on “like-new” devices that they don’t plan on delivering. How the scam works: You find a website that sells refurbished items ranging from car parts to cellphones to hair dryers. The site looks legit, and they are selling a high-dollar item you want for a price that fits your budget. You decide to purchase through the website or a payment app like PayPal (a BBB Accredited Business). Then, a few days after receiving your order confirmation, you wonder why you haven’t received a shipping confirmation. You reach out to the company, and they respond with an excuse. They may claim they are understaffed or have had a problem with their supply chain. Still, they assure you the item will be shipped soon. As more time passes, it eventually becomes clear that the seller has no intention of shipping anything. Each time you try to contact them, they either have more excuses or become impossible to reach. One consumer reported, “I was told multiple times the delay was from the owner being in a major car crash or dealing with a catastrophic medical accident. They even told me they were moving shop (more delays) and then that they had moved personally, which slowed delivery.” Unfortunately, the item you ordered doesn’t exist, and you’ve li lost the money you paid for it.

How to avoid refurbished product scams:

● Carefully examine a website before making a purchase. Before doing business with an online retailer, examine their website carefully. Not only should it have quality photos and typo-free content, but it should also have working contact information. In addition, you’ll want to research to find customer reviews and complaints. If you find reports of scams or no reviews at all, think twice before making a purchase. Always double-check the URL you are visiting to ensure you aren’t on a fake website.

● Understand what the term “refurbished” means. Keep in mind that refurbished means different things to different manufacturers. It can mean the product had shipping damage and was returned; it could refer to an open box product, a demo model, or an item that was broken and returned to the manufacturer. Find out what a company means by refurbished before you commit to a purchase. Remember that unauthorized third-party resellers are a big risk, especially if they don’t offer returns. Even if a reseller claims the manufacturer has refurbished the item, there’s no way you can confirm it. Buying under these circumstances is a big gamble.

● Ask about return policies. It can take a while for problems to show up, so make sure you have the option to return a refurbished item. If you can’t return it, or the return window is only a week or two, it may not be worth the risk.

● Inquire about warranties. Some manufacturer-refurbished items have an extended warranty, but this isn’t always true. Find out if the item you’re interested in qualifies for a warranty and what the conditions are. Warranties can come in handy if the refurbished item does have issues down the road. Know that anything marked “as-is” won’t have a warranty.

● Buy refurbished products from the manufacturer when possible. When a manufacturer gets a returned product, they recondition it to be like-new. They use original parts and trained repairmen to get the job done. An item refurbished by a third party may not get the same treatment. It could be repaired by someone who isn’t an expert with the brand, or it might contain different parts. Either issue means it won’t be in like-new condition when you buy it.

● Use a safe payment method. Always make online purchases with your credit card. If an online retailer doesn’t deliver on their promises, it will be easier to dispute the charges, and you’ll be more likely to get your money back. Until next time!

A Podcast by BBB of the Tri-Counties

A BIG Thank you to Ayers Auto Repairs in Santa Barbara for supporting this podcast!

Welcome to this week’s edition of Your Moment of Trust! Buying refurbished items can
save you money, but it’s important to research before you take the plunge. While many
reputable businesses offer quality pre-owned electronics, appliances, and other
products for a fraction of their original price, BBB Scam Tracker has received reports of
con artists ripping off consumers by promising a great deal on “like-new” devices that
they don’t plan on delivering.

How the scam works:

You find a website that sells refurbished items ranging from car parts to cellphones to
hair dryers. The site looks legit, and they are selling a high-dollar item you want for a
price that fits your budget. You decide to purchase through the website or a payment
app like PayPal (a BBB Accredited Business).

Then, a few days after receiving your order confirmation, you wonder why you haven’t
received a shipping confirmation. You reach out to the company, and they respond with
an excuse. They may claim they are understaffed or have had a problem with their
supply chain. Still, they assure you the item will be shipped soon.

As more time passes, it eventually becomes clear that the seller has no intention of
shipping anything. Each time you try to contact them, they either have more excuses or
become impossible to reach.

One consumer reported, “I was told multiple times the delay was from the owner being in a major car crash or dealing with a catastrophic medical accident. They even told me they were moving shop (more delays) and then that they had moved personally, which slowed delivery.” Unfortunately, the item you ordered doesn’t exist, and you’ve li lost the money you paid for it.

How to avoid refurbished product scams:

● Carefully examine a website before making a purchase. Before doing business with an online retailer, examine their website carefully. Not only should it have quality photos and typo-free content, but it should also have working contact information. In addition, you’ll want to research to find customer reviews and complaints. If you find reports of scams or no reviews at all, think twice before making a purchase. Always double-check the URL you are visiting to ensure you aren’t on a fake website.

● Understand what the term “refurbished” means. Keep in mind that refurbished means different things to different manufacturers. It can mean the product had shipping damage and was returned; it could refer to an open box product, ademo model, or an item that was broken and returned to the manufacturer. Find out what a company means by refurbished before you commit to a purchase. Remember that unauthorized third-party resellers are a big risk, especially if they don’t offer returns. Even if a reseller claims the manufacturer has refurbished the item, there’s no way you can confirm it. Buying under these circumstances is a big gamble.

● Ask about return policies. It can take a while for problems to show up, so make sure you have the option to return a refurbished item. If you can’t return it, or the return window is only a week or two, it may not be worth the risk.

● Inquire about warranties. Some manufacturer-refurbished items have an extended warranty, but this isn’t always true. Find out if the item you’re interested in qualifies for a warranty and what the conditions are. Warranties can come in handy if the refurbished item does have issues down the road. Know that anything marked “as-is” won’t have a warranty.

● Buy refurbished products from the manufacturer when possible. When a manufacturer gets a returned product, they recondition it to be like-new. They use original parts and trained repairmen to get the job done. An item refurbished by a third party may not get the same treatment. It could be repaired by someone who isn’t an expert with the brand, or it might contain different parts. Either issue means it won’t be in like-new condition when you buy it.

● Use a safe payment method. Always make online purchases with your credit card. If an online retailer doesn’t deliver on their promises, it will be easier to dispute the charges, and you’ll be more likely to get your money back.

Until next time!

A Podcast by BBB of the Tri-Counties https://www.bbb.org/local-bbb/bbb-of-...

A BIG thank you Ayers Automotive Repairs of Santa Barbara for supporting this podcast!

Welcome to this week’s edition of Your Moment of Trust! Using green cleaning products in your home can reduce toxins, such as volatile organic compounds (VOCs), that are bad for your health and the environment. Green cleaners are more popular than ever, so shoppers have plenty of choices. But navigating the seals, certifications, and marketing claims can be confusing.

Tips for choosing cleaning products that are effective and safe for you and the environment:

● Check the packaging for eco-friendly labels. Products that display the Environmental Protection Agency’s Safer Choice label have safer chemical ingredients. According to the EPA, products with the label are “rigorously reviewed ingredient-for-ingredient, adhere to strict performance standards, and are evaluated to ensure the potential of adverse human and environmental health impacts is minimized.”

● Be wary of "greenwashing": Watch out for companies that label their products with vague phrases like “green" or “all-natural," warns the EPA. This is called "greenwashing." Instead, look for the Safer Choice label or specific, verifiable claims. You can search for Safer Choice-certified products here.

● Make sure product claims are substantiated: According to the Federal Trade Commission, if a product makes specific claims, such as "VOC-free" or "non-toxic," the company should be able to prove its product doesn’t have that ingredient nor any other ingredient that causes the same kind of risk. If you see a misleading green marketing claim, report it to the FTC at ReportFraud.ftc.gov.

● Try homemade cleaners. Many basic ingredients in your pantry, such as baking soda and white vinegar, make excellent cleaners. This article from greenamerica.org explains the ten basic ingredients that will tackle most cleaning jobs.

● Choose products with minimal, recycled, or biodegradable packaging. Being green isn't just about chemicals. It's also important to consider how a product is packaged. For example, if you use paper towels for cleaning, buy a recycled paper brand. Also, always choose biodegradable cleaning products when possible. Also, companies that use less plastic and offer refillable containers are a good choice.

A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-...

A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast.

Business owners, con artists want to trick you into claiming tax credits that you aren’t eligible for. The Internal Revenue Service warns about scams revolving around the Employee Retention Credit, a tax credit for businesses that continued paying employees during the COVID-19 shutdowns or had a significant income decline during the eligibility period. While most eligible employers have already claimed this credit, unscrupulous companies are advertising ERC services to draw in businesses that are not eligible for the credit.

What’s in it for them? As always, scammers hope to get their hands on your personally identifiable information for identity theft. In some cases, they may charge you for dishonest services. Your best line of defense is to get to know the scam so that you can spot it first.

How the scam works:

You see an ad online or hear one on the radio that claims the government still owes your business an Employee Retention Credit, which you can claim on your taxes this year. They may ask you to call a number or visit a website for more information. A quick chat with the customer service rep or looking at a website convinces you that qualifying for the ERC is extremely easy. You decide to give it a try! You contact the company, and they tell you to qualify for the credit – without knowing anything about your business or how you handled COVID-19 shutdowns. They ask you to provide sensitive information, including your Social Security number, employer identification number (EIN), and other details the scammer can use to commit identity theft. If you hesitate to provide your personal information, they’ll quickly assure you they only want to help you get the money your business is entitled to. The company charges a service fee in other scam versions to help you get the credit. Unfortunately, if you accept their services and claim a credit you aren’t eligible for – even if you do so in good faith – you could face serious consequences, including paying back the credit with penalties and interest. Ultimately, the IRS will hold you responsible for any inaccurate information on your tax return – not the scammer.

How to avoid tax credit scams:

● Don’t believe marketing materials guarantee you’ll qualify for a tax credit. Anyone who makes guarantees without knowing anything about your business is likely up to no good.

● Think twice about promises of huge refunds. Scammers use the same tactics for many different cons. Tax credit schemes are no exception. Scammers count on an emotional response to a promise of fast, free cash before reason sets in. If it sounds too good to be true, it probably is.

● Don’t pay to get money. While paying a tax professional to prepare your taxes each year is perfectly reasonable, watch out for companies or individuals that charge you fees based on high and optimistic percentages of recovered taxes. Keep in mind that true tax professionals always make conservative estimates.

● Get to know the rules about ERC or other tax credits. Always do your research through a reputable source. For example, a quick visit to IRS.gov reveals that employers eligible for the ERC must have sustained a full or partial suspension of operations due to a governmental order by an appropriate authority, and they need to have qualified as a recovery startup business for the third or fourth quarters of 2021, among other qualifications. A little research can debunk scammers' claims before you get sucked into their schemes.

● Be careful with your personally identifiable information. Never give sensitive information to someone you don’t know and trust. If you are dealing with a tax professional for the first time, investigate beforehand to find out if they have a solid business reputation before you hand over any personal details.

● Always look for businesses that follow BBB Accreditation Standards and BBB Standards for Trust. Trustworthy BBB Accredited Businesses don't participate in shady practices.

Want to join the ranks and become BBB Accredited? Visit BBB.org/get-accredited

A Podcast from BBB of the Tri-Counties: 

A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast.

Welcome to this week’s edition of Your Moment of Trust! The weather is warming in some parts of the country, inspiring people to clean up or clear the clutter. The one area many overlook isn't the corner of a room or a forgotten closet; it's the digital device you're reading this article. The BBB encourages people to check their smartphones, laptops, and tablets and take a few minutes to review these tips.

● Lock down your login: Security is critical to protecting accounts used for work and home. Ensure passphrases for each account are lengthy, unique, and safely stored. Enable 2-factor authentication on all accounts that offer it.

● Update your system and software: Avoid procrastination! The most current software, web browsers, and operating systems are some of the easiest and fastest ways to protect your most sensitive assets.

● Back it up: Protect your personal and workplace data by making electronic copies – or backups – of your most important files. Use the 3-2-1 rule to help guide you: 3 backup copies, two different media types, and one offline in a separate location.

● Clean up your online presence: When did you last use all the apps on your phone or tablet? Do you know the settings on all social media accounts that check in with friends and family? Check up on all your accounts. Then, control your role by ensuring you know who has administrative access to your accounts. Keep all of your passwords private.

● Be careful what you share: Quizzes on social media are fun, and keeping in touch is necessary. However, questions on social media might give away too much information about you, your location, or your family. In addition to following the above-listed tips, small business owners should take time to establish, update, and communicate policies and procedures around topics like record retention. It is also imperative that a cybersecurity strategy is in place and used by all employees. BBB has tips on BBB.org/bizhq on how to avoid online scams when working from home. BBB Secure Your ID Day Did you know that protecting your identity is largely in your own hands? Many identity theft victims can trace the theft to something stolen from their possession. BBB has a few guidelines to help safely dispose of electronically stored data. Before participating in BBB’s Secure Your ID Day or other shredding events, prepare your data. Know what devices to digitally “shred”: Computers and mobile phones aren’t the only devices that capture and store sensitive, personal data. External hard drives and USBs, tape drives, embedded flash memory, wearables, networking equipment, and office tools like copiers, printers, and fax machines all contain valuable personal information and stored images.

● Clear out stockpiles: If you have a stash of old hard drives or other devices – even in a locked storage area – information still exists and could be stolen. Don’t wait: wipe and/or destroy unneeded hard drives immediately.

● Empty your trash or recycle bin on all devices, and be sure to wipe and overwrite: Simply deleting and emptying the trash isn’t enough to eliminate a file. You must permanently delete old files. Use a program that deletes the data, “wipes” it from your device, and then overwrites it by putting random data in place of your information ‒ which cannot be retrieved.

○ Various overwriting and wiping tools are available for electronic devices. Remove any identifying information written on labels before disposal for devices like tape drives. Use embedded flash memory or other methods to perform a full factory reset and verify that no potentially sensitive information exists on the device.

● Decide what to do with the device: Once the device is clean, you can sell it, trade it in, give it away, recycle it, or have it destroyed. Note the following:

○ Failed drives still contain data: On failed drives, wiping often fails; shredding/destruction is the practical disposal approach for failed drives. Avoid returning a failed drive to the manufacturer; you can purchase support to keep it – and then destroy it.

○ To be “shredded,” a hard drive must be chipped into small pieces: Using a hammer to hit a drive only slows down a determined cybercriminal; instead, use a trusted shredding company to dispose of your old hard drives. Device shredding can often be the most time- and cost-effective option for disposing of many drives.

Until next time!

A Podcast by BBB of the Tri-Counties:

https://www.bbb.org/local-bbb/bbb-of-the-tri-counties

A BIG thank you to Ayers Automotive Repair in Santa Barbara for Supporting this Podcast

How to avoid fake invoice scams:

● Be wary of unsolicited emails, especially if you don’t remember doing business with the company they claim to come from. Even if you do business with a company, be careful if you receive an email you didn’t ask for or authorize. Scammers love to impersonate companies that are well-known and trusted by consumers.

● Know how invoices will be delivered. If you sign up for a service or subscription, ask how the company will deliver its invoices. That way, you won’t be fooled if scammers send you a copycat invoice through a different channel. BBB Accredited Businesses promise to adhere to BBB's Standards for Trust, so look for the BBB Accredited Business Seal. It's the Sign of a Better Business.

● Train your staff to spot a fake invoice. As a small business owner, you may not personally look at every invoice from your accounts department. Ensure your employees know how to differentiate a real invoice from a scam.

● Don’t give in to scare tactics. Scammers will use a sense of urgency to get you to give up sensitive information or make payments without thinking. If someone tells you you’ll lose hundreds of dollars if you don’t act now, don’t be easily intimidated. Always do proper research before agreeing to any transactions – especially unexpected ones.

● Have questions about a Geek Squad message? Reach out to Best Buy. Customers can call 1-888-BESTBUY to confirm whether a suspicious email is real. Also, check out BestBuy.com/StopFraud for more resources to help spot cybercrime, fraud, and tech support scams. Until next time!

A Podcast by BBB of the Tri-Counties https://www.bbb.org/local-bbb/bbb-of-the-tri-counties A BIG thank you to Aers Automotive Repair in Santa Barbara for supporting this podcast! https://www.ayersrepairs.com

You’ve likely heard ads on the TV or radio about the Camp Lejeune class action lawsuit for U.S. military veterans and their families exposed to tainted water at the camp. Marketing agencies and law firms spent over $40 million advertising the lawsuit. Now, scammers are jumping on board too, hoping all the media attention makes it easier to trick people, especially military personnel, into falling for common scam tactics.

How the scam works:

You receive an email or phone call telling you you qualify for compensation for the Camp Lejeune class action lawsuit. The email may claim you are entitled to tens of thousands of dollars. You need to click a link or call a number to get your compensation. For example, one recent target told BBB Scam Tracker: “[The caller] said they were representing Camp Lejeune and needed information about my brother who served in the military. Since he died years ago from cancer, they said I had $5,000,000 waiting in compensation from the Marines.” From here, the scam takes several different forms. Clicking the link could download malware onto your computer or mobile device, putting you at risk for identity theft. In other versions, scammers direct you to a website with a form that asks for personal information.

In yet another variation, the scammers are after your money and personal details. They claim you need to pay an upfront fee, so they can file your case and receive your money. If you pay them, they’ll continue to ask for more “filing fees” until you become suspicious. As soon as you realize the con, the scammer will disappear with your information and money.

How to avoid class action lawsuit scams: 

● Don't believe in promises of quick cash with minimal effort. Scammers love to promise that fast cash is in your immediate future. The reality is even well-deserved compensation will take time to receive. It’s worth noting, too, that veterans who served at Camp Lejeune can apply for VA disability compensation and health care benefits without filing a lawsuit or getting help from a lawyer. BBB Accredited Businesses promise to adhere to BBB's Standards for Trust, so look for the BBB Accredited Business Seal. It's the Sign of a Better Business.

● Never click on links in suspicious emails. Be wary of unsolicited emails in general. Please don’t click on the links they contain, as they could lead you to fake websites or download malware onto your computer.

● Stay alert to variations of this scam. Emails aren’t the only way scammers may try to contact you about this and other class action lawsuits. Keep your eye out for similar scams sent via text messages, phone calls, or even mail.

● If you think you deserve compensation, apply through official channels. Visit VA.gov/CampLejeune for official information on how to apply for compensation. You can file for disability compensation online and learn what steps to take to file a Camp Lejeune lawsuit.

● Only work with reputable representatives. If you are ready to file a claim or appeal and need help, don’t settle for working with the first lawyer who pops up on a TV ad. Instead, do thorough research before choosing a legal representative. Get to know all your options, including working with an accredited attorney or a Veterans Service Officer (VSO).

For more information For more ways to avoid email scams, see the BBB Tip: How to recognize a phony email and the BBB Tip on phishing scams. For more information about how to receive compensation related to a stay at Camp Lejeune, visit VA.gov/CampLejeune. You can also report your experience at BBB.org/ScamTracker to help boost public awareness about this and similar scams. Until next time!A