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    Your Moment of Trust

    The Better Business Bureau, serving the Tri-Counties, shares tips and resources on how you can help them in their ongoing mission to Advance Marketplace Trust between business and consumers. Tune in each week for valuable information that you can use each day. https://bbb.org/local-bbb/bbb-of-the-tri-counties 805-963-8657
    en100 Episodes

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    Episodes (100)

    BBB's Scam Tracker Tool is Even Better!

    BBB's Scam Tracker Tool is Even Better!

    BBB of the Tri-Counties podcast:

    The BBB Institute for Marketplace Trust (BBB Institute) is partnering with Amazon and Capital One to help people learn about scams, report them, and avoid losing money and/or personal information by enhancing the capabilities of the BBB Scam Tracker online reporting tool. The new features make it easier for consumers to identify scams and report them while arming partners with more robust data on scammers to better protect consumers. A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast.  

     

    How to Spot Fake Gaming Apps--a Warning from the Better Business Bureau!

    How to Spot Fake Gaming Apps--a Warning from the Better Business Bureau!

    A Podcast by BBB of the Tri-Counties:

    Fake gaming app ads have become rampant in recent years. They may feature videos that have little (or nothing) to do with the actual gameplay. Or make misleading claims like, "If you score 400, you can go to Disneyland." Game manufacturers run these ads because that's what gets clicks and downloads. But the practice has resulted in many frustrated gamers, who don't realize they were misled until after they d ownload the app, set up an account, and start playing. Until we have rules against these misleading ads, it's up to consumers themselves to evaluate whether they should trust an ad and download the promoted game.

    This episode details how you can spot fake gaming ads and apps. It's important to do your homework before downloading them. A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast. https://ayersrepairs.com/

     

    Holiday Shopping Tips: Shop SAFE, Shop SMART

    Holiday Shopping Tips:  Shop SAFE, Shop SMART

    BBB of the Tri-Counties Podcast, Your Moment of Trust: Welcome to this week’s edition of Your Moment of Trust! The 2022 holiday shopping season promises to be an unpredictable one. High inflation rates and increased prices of consumer goods are already throwing a wrench into holiday shopping. Electronics, toys, and other products will be (or already are) in short supply, and retailers are struggling to staff up as the shopping season nears. Just like in 2021, people are planning to start their holiday shopping early. Watch out for deals well before Black Friday sales. Retailers are also expecting to see even more people shopping online. Product shortages and increased online shopping are likely to result in even more online purchase scams this year. These scams accounted for nearly 40% of all scams reported to BBB Scam Tracker in 2021, according to the 2021 BBB Scam Tracker Risk Report. Shortages are likely to make purchase scams even more common as desperate shoppers turn to shadywebsites in hopes of finding this year’s must-have gift. In this episode, BBB recommends the following tips to “Shop Safe, Shop Smart” this holiday season: A BIG thank you to Ayers Automotive Repair in Santa Barbara for Sponsoring this Podcast.

    How to Celebrate Halloween on a Budget

    How to Celebrate Halloween on a Budget

    A Podcast by Better Business Bureau of the Tri-Counties: Consumers are gearing up to celebrate Halloween. The National Retail Federation expects people will spend $10.6 billion, up from $10.1 billion in 2021. Among Halloween celebrants, 67 percent plan to buy candy, 51 percent plan to purchase decorations, and 47 percent will get costumes. Those numbers can seem daunting for a single day, especially when watching thefamily budget. However, there are ways to keep the fun stylish and on budget.

    In this episode, Better Business Bureau recommends tips to celebrate Halloween on a Budget!

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

    BBB's Online Scam Report

    BBB's Online Scam Report

    This episode by BBB of the Tri-Counties reports about various scam types perpetrated online So far in 2022, scams perpetrated online are more prevalent (55%) than other delivery methods, with a higher percentage of people losing money when targeted (75%). When breaking out scams perpetrated via phone with a monetary loss, scams perpetrated via text message rose from 11% in 2015 to 30% in 2022. Scams perpetrated via text had a median dollar loss of $800 in 2022, higher than other reported means of contact. Text messaging was the most reported offline method used to push people online. “Carrots” appear to be riskier than “sticks,” according to our survey research. About 70% of respondents said they continued the online engagement because they hoped to gain something, sell something, or were curious to learn more. That’s compared to 30% who continued the engagement because they feared they’d lose something, were threatened, or thought there was an urgent situation they needed to address. The scam type with a monetary loss most often reported beginning online was online purchase scams (89%), followed by cryptocurrency scams (87%), romance scams (85%), investment scams (73%), employment scams (68%), and government grant scams (64%). The #1 place people reported being targeted by a scam was while browsing social media (25%), followed by online shopping (24%), email (14%), search engines (10%), and job search (7%).

    A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring Your Moment of Trust.

    Don't Believe your Eyes & Ears! Deepfake Videos are on the Rise!

    Don't Believe your Eyes & Ears!  Deepfake Videos are on the Rise!

    A Podcast by BBB of the Tri-Counties

    New technology makes it nearly impossible to tell fake video or audio clips from real ones. Now, as the software used to create these “deepfakes” becomes more widespread, scammers are using it to steal money and sensitive information.

    What is a deepfake?

    Deepfakes use artificial intelligence technology to create a seemingly real video or audio clip that mimics a person’s face, voice, or both. This kind of synthetic content is often used to spread misinformation by impersonating politicians and celebrities on social media. However, that’s not the only use. Scammers are currently using deepfakes of corporate executives to steal from large companies. As the technology improves and becomes easier to use, we’ll likely see scammers using deepfakes to target individuals and smallbusinesses too.

    BBB recommends the following tips to protect yourself:

    ● Take a closer look at that video. Poor quality deepfakes are easy to identify. Look for isolated blurry spots in the video, double edges to the face, changes in video quality during the video, unnatural blinking or no blinking, and changes in the background or lighting. If you notice any of these telltale signs, you’re probably looking at a deepfake video.

    ● Listen closely to the audio. Fake audio might include choppy sentences, unnatural or out-of-place inflection, odd phrasing, or background sounds that don’t match the speaker’s location. These are all signs of fake audio.

    ● Don’t believe everything you see online. Scammers count on you to take them at their word without verifying their identity. Always use a healthy dose of skepticism when contacted by a person or company if you can’t validate who they really are. Be wary of videos featuring celebrities or politicians that are especially divisive or scandalous.

    ● Make sure you know who you are talking to. As deepfake technology progresses, you’ll need to confirm the identity of who you are speaking with – even if you think you know and trust them. You might not send money to a stranger who calls you out of the blue, but if scammers start using deepfakes to impersonate your loved ones, falling victim could be easier. Pay attention if a friend or family member makes an out-of- character request and confirm their identity before sending money or giving up sensitive personal information.

    ● Be careful what you post online. The only way a scammer can make a deepfake video of you is if they have access to a selection of photos and videos featuring your face. Stay alert to the possibility of impersonation. Make sure your family knows about deepfakes, and use caution when posting things publicly.

    ● Don’t make financial decisions based on viral videos. If a celebrity insists you invest in bitcoin or donate funds to a specific charity in a viral video, do some research before you send money. Scammers would love to get their hands on your money by impersonating someone you trust.

    ● Don’t assume an online person is the real deal. Whether you are hiring a new employee or contacting an outside vendor, don’t assume someone exists just because they have video, photos, or audio on their online profiles.

    ● Protect your business accounts. Use multi-factor authentication on all systems to prevent scammers from using a deepfake to hack your account and impersonate you.

    ● Train your employees to recognize deepfakes. Ensure your employees know what to look for, especially if they are in charge of your business’s finances or assets.

    ● Be cautious when sharing information digitally. Don’t give in to urgent requests. Even if someone is threatening immediate action against you or your business, take the time to verify their identity.

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

    Your Moment of Trust
    enOctober 12, 2022

    Beware of Solar Panel Scams!

    Beware of Solar Panel Scams!

    Brought to you by BBB of the Tri-Counties:

    Welcome to this week’s edition of Your Moment of Trust. If you want solar panels, be very careful when evaluating installation offers. Con artists use misleading sales tactics and outright lies to trick homeowners out of money and personal information. If you've received an offer for "free solar panels," it's likely a scam. In this episode, you'll learn what you should watch out for. A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast.

    How to Find a Contractor when They're in Short Supply

    How to Find a Contractor when They're in Short Supply

    Brought to you by BBB of the Tri-Counties: Welcome to this week’s Your Moment of Trust! Even before the pandemic, the United States had a shortage of qualified contractors. Canada also faced a similar situation. However, the COVID-19 pandemic and supply chain issues have made hiring for home remodel and repair projects even harder - and it's likely to get worse. What's a homeowner to do? In this episode, BBB shares tips to help you find a contractor for your home improvement project. A BIG thank you to Ayers Automotive Repair in Santa Barbara, CA for sponsoring this podcast.

    Watch Out for CBD Scams Online!

    Watch Out for CBD Scams Online!

    A Warning from BBB of the Tri-Counties:

    Cannabidiol (CBD), an active ingredient of cannabis, is now legal in many US states and Canadian provinces. If youwant to try it, watch out for scams. BBB Scam Tracker received dozens of reports from frustrated consumers who thought they bought discounted CBD online but ended up with hundreds of dollars in credit card charges.  Don't miss this important episode!
    A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast.  

    Beware Online Sporting Event Scams!

    Beware Online Sporting Event Scams!

    From BBB of the Tri-Counties:  While Covid-19 attendance restrictions have been lifted, schools are still streaming games. Unfortunately, the scammers have followed. The scammers’ goal is to capture personal information, including credit card and Social Security numbers, as fans log in to watch their team play.

    How the scam works:

    You want to watch the local high school's football game, or your niece's travel softball team is playing in a tournament out of state. You search on social media to find a link where the game might be streamed, and sure enough, a fan has put in a link where you can go to watch for free! It's almost time for the game to start, so you eagerly click the link. The next screen asks you to sign up for the streaming service, so you enter your name and email... and then you get asked for a credit card number and potentially more sensitive information. Are you seeing red flags yet? These scammers infiltrate social media with links to fake streams. The posts often will tag the schools which are involved in order to make the post appear legitimate. The scammers hope the would-be viewer inputs their information and pays to watch the event. The consumer doesn’t get to watch the game because the scammer has not set up a stream. Instead, whatever data they entered may be compromised.

    As a new school year begins, Better Business Bureau® (BBB®) reminds consumers to do their research when looking to watch a high school sporting event online.

    A BIG thank you to Ayers Automotive Repair for sponsoring this podcast.  

     

    Costs to Consider When Getting a Pet

    Costs to Consider When Getting a Pet

    BBB of the Tri-Counties reminds us that owning a pet can bring your family much joy, but taking care of a dog, cat, or other animal comes with significantcosts too. Unfortunately, this year, many pet owners have found themselves in a heartbreaking situation, forced to give up their pets for financial reasons. If you are thinking about taking home an adorable furry friend, it’s wise to check your budget first. According to the American Kennel Club, dog owners can expect to spend about $15,000 over the lifetime of their pet. In this episode, you'll hear about the costs that you should consider before getting a new dog, cat, bird, or other pet. A BIG thank you to Ayers Automotive Repairs in Santa Barbara, for sposoring this podcast. 

    Your Moment of Trust
    enAugust 22, 2022

    How to Choosing the Right Electric Bike for you

    How to Choosing the Right Electric Bike for you

    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 tips in this episode to help you pick the right e-bike.

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

    A Big Thank you to Ayers Automotive Repair in Santa Barbara for Sponsoring this Podcast!

    Watch Out for Phony Airline Sites!

    Watch Out for Phony Airline Sites!

    Airline travel is back in full swing, but scammers are taking advantage of increased flight cancellations with a new con. BBB Scam Tracker has received multiple reports of scammers creating fake airline ticket booking sites or customer service numbers to charge travelers for rescheduling fake flights. If you are buying airfare, use caution and double-check the URL or phone number before providing your credit t information.  https://www.bbb.org/local-bbb/bbb-of-the-tri-counties

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

    Your Moment of Trust
    enAugust 05, 2022

    Beware of the Pavement Scams!

    Beware of the Pavement Scams!

    If your driveway needs paving or repairs, don’t trust just anyone to do the job. BBB Scam Tracker has numerous reports of unscrupulous contractors who trick homeowners with supposedly good deals. Homeowners end up with shoddy pavement -- or nothing at all -- to show for what they paid and, in some cases, have lost over $8,000 in the process. In this episode you'll learn how the scam works and how to avoid it. A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast!

    Your Moment of Trust
    enJuly 29, 2022

    BBB Shares Tips for Online Returns

    BBB Shares Tips for Online Returns

    Online shopping is growing, which means online returns are increasing, too. However, policies and processes vary from store to store. Figuring out how to get your item back to the seller and your refund in the bank isn’t always easy. To make the process as smooth as possible, BBB recommends tips for returning online merchandise. A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.

    Your Moment of Trust
    enJuly 22, 2022

    How to Spot Hidden Fees

    How to Spot Hidden Fees

    With the rising prices of gas and seemingly everything else, restaurants, travel companies, rideshares, and other businesses are tacking on new fees to the basic costs of their services. Businesses are feeling inflation impacts just as the rest of us are, and some are adding fees to help them survive. Consumers should be aware of what fees businesses are adding, so they can make informed decisions on where to spend their money. These hidden fees might not be evident at first glance, so if you want to avoid paying them, or at the very least plan for them in your budget, there are a few things you should do. BBB recommends the following tips to help you spot fees and avoid them when possible.

    A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting Your Moment of Trust.

    Your Moment of Trust
    enJuly 14, 2022

    Tips to Choosing a Realtor from BBB of the Tri-Counties

    Tips to Choosing a Realtor from BBB of the Tri-Counties

    Buying and selling a home is a major decision, so be sure to choose a real estate agent who will guide you through the process. Look for an agent or broker who is experienced, knowledgeable about your housing market, and always acts in your best interest. Listen to the tips in this episode as a guide.

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

    Your Moment of Trust
    enJuly 07, 2022

    Inflation: How to Get By When Prices are High

    Inflation:  How to Get By When Prices are High

    Welcome to this week’s edition of Your Moment of Trust! Inflation is higher than it has been since the 1980s in both the United States and Canada. With prices rising on everything from gas to groceries to housing costs, how can you buy what you need and still stay on budget?

    Inflation is impacting every household. The same amount of money buys less than it did just months ago, so paychecks don’t go as far. When price hikes hit people who already have limited budgets, covering basic monthly expenses becomes difficult. Parents may find themselves having to choose between healthy meals and cheaper, less nutritious options.

    Young people must decide whether to put gas in their tanks or pay tuition. All income levels are showing signs of financial stress. Even high earners are cutting back. In this podcast BBB of the Tri-Counties gives tips for dealing with higher prices.

    A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.

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