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BBB Advice for Avoiding Automobile Repair Scams

2/8/2012

Posted on 2/8/2012 by

Marlborough, MA - February 9, 2012 -

When your vehicle needs repairs, you don't need a crash course in auto mechanics, but you should know how to find a reliable shop and mechanic. Better Business Bureau recommends following a few key pointers to ensure that your automobile gets fixed without a glitch.

While many auto repair shops are legitimate, there are always those unscrupulous few that end sucking thousands of unnecessary repair dollars from consumers. In 2011, BBB received more than 14,500 complaints against auto repair services and fielded more than 1.5 million inquiries from consumers looking to find a reliable business in the industry. Many of the complaints received by BBB fell under billing, service, and refund and exchange issues.

"Whenever you take your car to the shop, never try to diagnose the problem yourself. Describe the symptoms and ensure that the work cannot begin until you have a written estimate and given your okay," said Paula Fleming, spokesperson for the local Better Business Bureaus.

BBB recommends considering the following advice when taking your car in for auto repair services:

Check your warranty. If you have a problem with your vehicle while it is still under warranty, follow the manufacturer's instructions, which may require that repairs be made at an authorized dealership.

Ask around. If you are looking for a qualified, independent shop, ask friends for recommendations, or request a list of BBB Accredited Businesses that do the type of auto repair you need. Be sure to check with BBB about the shop's reliability at bbb.org/search. Look for shops that display certification. For major work, such as brakes, transmission or engine repair, you will need to find a shop employing a specialist.

Ask all the questions that you need. Don't be embarrassed to request explanations. Don't rush the technician into making an on-the-spot diagnosis of the problem. Ask to be called and appraised of the problem, course of action, and cost of work before any work begins.

Before authorizing repairs, get a written estimate for parts and labor. Tell the shop to get your permission before making additional repairs. Ensure you receive notification by having the service manager write a request on the bottom of the repair order. Give phone numbers where you can be reached and, before you leave, be sure to understand all shop policies regarding labor rates, guarantees and acceptable methods of payment.

Get everything in writing. When you pick up your vehicle, get an explanation of all work completed and get all guarantees in writing. Ask that any major new parts that have been installed be pointed out to you. Your repair bill should be itemized so, if a problem occurs later, you can prove the item is covered by the guarantee.

For more consumer tips you can trust, visit bbb.org/news. To sign up to receive our Scam Alerts, visit BBB Scam Source at bbb.org/scam.

BBB Advice for Navigating the Funeral Process

2/8/2012

Posted on 2/8/2012 by

Marlborough, MA - February 8, 2012 -

At an average cost of $7,000, funerals are one of the more expensive purchases made by consumers. During an emotionally-charged time it can be easy to spend more than might be necessary. Better Business Bureau recommends the following advice for navigating the funeral process.

Most funeral providers offer a variety of package plans that include products and services that are most commonly sold. However, it's important to remember that no package is obligatory and it's important to take the time, even though it may be constricted, to find the individual products and services that you prefer. The "Funeral Rule", enforced by the Federal Trade Commission, requires funeral directors to give you itemized prices in person and, if asked, over the phone.

As outlined by the Funeral Rule:

• You have the right to choose the funeral goods and services that you want (with some execptions).
• The funeral provider must state this "rule" in writing on the general price list.
• If state or local law requires you to buy any particular item, the funeral provider must disclose it on the price list, with a reference to the specific law.
• The funeral provider may not refuse, or charge a fee, to handle a casket that you bought elsewhere.
• A funeral provider who offers cremations must make alternative containers available.

"Most importantly, don't be afraid to ask questions and read contracts before you sign," notes Paula Fleming, spokesperson for the local Better Business Bureau. "If you feel as if you are being pressured into buying something you do not want or need, ask to speak to a different funeral director or go to a different funeral home."

One way to reduce stress during a time of grief is pre-planning. The National Funeral Directors Association offers a "Bill of Rights for Funeral Preplanning" (www.nfda.org/planning-a-funeral/preplanning.html) that its members follow. You do not have to prepay for a funeral in order to preplan one, although there may be financial benefits by doing so.

BBB has Business Reviews on more than 1,350 funeral homes and mortuary service providers across North America, available for free at bbb.org/search.

BBB Offers Advice for Safe and Successful Valentine's Day Shopping

2/2/2012

Posted on 2/2/2012 by

Marlborough, MA - February 2, 2012 -

If you're going to go through the task of sending flowers, candy or gifts for Valentine's Day, do a little homework and due diligence to make sure the holiday ends up a happy one. Locally, complaints against florists spiked 67% percent in 2011 compared to 2010.

"When buying flowers consumers should be especially careful when making the purchase online or over the phone," said Paula Fleming, Vice President of Communications and Marketing of the local BBB.

"Consumers need to review the description of the floral arrangement or any other gift purchased online or in conversation with the florist or sales person."

The BBB offers the following advice for safe and successful shopping for Valentine’s Day:

• Do your homework. Before ordering flowers, chocolates or any other gifts for Valentine’s Day check out the BBB's Business Review at bbb.org.

• Allow time for shipping. Check with the retailer or check the web site to make sure that you have allowed enough time for delivery by your specified date. Make sure that this date is specified clearly and guaranteed when you order.

• Be wary of any email received from an unknown sender. Do not open any unsolicited email and do not click on any links provided. Fake e-cards coming from scammers/hackers may send you an infected card or send you to a link where you are could compromise your computer’s safety.

For more information on shopping with companies you can trust, visit bbb.org.

BBB Urges Consumers to Pause Before Paying

1/30/2012

Posted on 1/30/2012 by
January 30, 2012 - Marlborough, MA -

Former customers of Hollywood Video allege that they are now receiving collection calls and notices from Universal Fidelity LP regarding past-due movie rentals and fees associated with unreturned movies. Most complainants say that fees are excessive and debts are unfounded; some fear that false information may be submitted to credit reporting bureaus.

In a 2011 settlement, similar allegations were brought against National Credit Solutions (NCS) and Credit Control Services, collection agencies which were initially contracted by Hollywood Video and Movie Gallery after the companies filed bankruptcy in 2010.

While collection companies are within their legal rights to collect legitimate debts, Better Business Bureau urges consumers to pause before paying:

Rewind: Get proof of balances due to unreturned movies or unpaid late fees.

• Request written proof of debts: By law, collection agencies must provide validation notices within five days of contacting consumers about debts.

• If calls inaccurately claim unreturned rentals: Video stores often do not provide return receipts, so write down all of the details: movie names, video store locations and return dates.

• If old late fees were already paid: Try to locate documentation such as receipts, old check records, and credit card or bank statements.

Eject: Contest invalid debts. Contact any involved parties to clear up discrepancies.

• Contact the location: If it is a closed branch or franchise, try contacting the corporate headquarters to find out if they can address account problems. Be prepared to provide all relevant information. Consumers with complaints on Hollywood Video and Movie Gallery can email customerrequests@hlyw.com.

• Communicate with debt collectors: Write letters to collection agencies; dispute charges, state your case and include supporting documentation. Send letters via certified mail with return receipts.

• Check credit reports: Visit annualcreditreport.com to review credit reports on a yearly basis. Dispute false debts with the three major credit bureaus.

Stop: If issues are not resolved, file complaints with the Federal Trade Commission at ftc.gov, Better Business Bureau at bbb.org, and the state Attorney General's office.

Visit BBB's site for more tips on debt collectors.

BBB Warns: Look Out for Super Bowl Scams

1/25/2012

Posted on 1/25/2012 by
Marlborough, MA (January 24, 2012) – With the Super Bowl just around the corner, Better Business Bureau is warning consumers to be on the alert for knock-off team jerseys, counterfeit memorabilia and phony game tickets.

“There are three good reasons not to buy counterfeit goods: theft, quality and security,” notes Paula Fleming, spokesperson for the local Better Business Bureau. “Counterfeit items are stolen goods. If you love your team, don’t buy a hat or jersey from someone who has stolen the team’s name and logo for their own profit. And counterfeit items are almost always more cheaply made, which means they won’t last as long as the real thing.”

But you may have an even bigger problem if you try to buy counterfeit memorabilia online. Several BBBs around the country have reported websites that don’t even have any merchandise to sell you…they just want your credit card number and personal information in order to steal your identity or drain your bank account. The best way to ensure you are getting official sports gear is to buy directly from the team or league websites, or from official vendors at the stadium.

Tickets for the big game can be an even bigger rip-off. There are thousands of Super Bowl tickets currently listed on Craig’s List, but the site offers no guarantees of any kind and does not require identification of its listers. Buying in person isn’t always an improvement, as it’s gotten easier and easier for scammers to make fake tickets that look real.

So where can you turn? Sites such as Stub Hub (stubhub.com) guarantee your tickets’ authenticity. There were 2,800 tickets available as of yesterday, starting at $2,450 a piece. Ticketmaster (ticketexchangebyticketmaster.com) handles ticket exchanges for the NFL, and had over 800 tickets available as of yesterday, starting at $2,864.

In general, avoid scams by being skeptical of:
• Offers that sound “too good to be true”
• Pushy sales tactics
• Poor quality of merchandise
• Offers that require wire transfer of funds

And always check out a business first at bbb.org/search.

For more consumer tips you can trust, visit bbb.org/news. To sign up to receive our Scam Alerts, visit BBB Scam Source at bbb.org/scam.

Watch Out for New Wave of Fake BBB.org Emails

1/24/2012

Posted on 1/24/2012 by

Businesses and consumers across the country have been hit by an on-going email scam that appears to be from a bbb.org address. Now, a new wave of fake BBB emails is using a different strategy to scam recipients into downloading a virus.

The New Email Scam

In this new wave, emails have a subject line reading "BBB SBQ Form," followed by a series of numbers. Recipients are asked to click on a link to update their information with Better Business Bureau. The link supposedly leads to a form on BBB.org, but it really goes to a third party website that downloads a virus on to your computer.

In addition to the new wave of emails, the original version of the email scam is still out there. In this, recipients are told that a complaint has been filed against their business, and they need to respond by clicking on a link in the email. Again, the link takes them to a third-party website that infects their computer with a virus.

What to Do

Should you receive a suspicious email, don't click on any links. You can test the links by using your mouse to hover over them. The destination of the links will appear in a small pop up box next to the link or at the bottom of the screen. See screen shot below for an example. If the email is a scam, the website shown will not be a BBB.org URL.

After you have identified a scam, please forward the email to phishing@council.bbb.org and delete it from your inbox. Also, make sure your virus software is up to date.

New Year's Resolution for Small Businesses: Set up a Disaster Plan for Your Business & Employees

1/11/2012

Posted on 1/11/2012 by
January 12, 2012 - Marlborough, MA -

Reacting to a natural disaster or emergency not only means ensuring the immediate safety of employees, but also planning how the business will continue to function in the aftermath. Even if your business is not located in an area that is a likely target for a natural or manmade disaster, you need to be prepared for the unexpected with a comprehensive business continuation plan. Better Business Bureau advises business owners to develop a plan of action should their business face a disaster.

Creating a disaster plan for your business is a great way to start the new year. According to the Insurance Institute for Home and Business Safety, one in four small businesses forced to close because of a disaster never reopens. Business that have a business continuity plan in place – and use it during and after disaster strikes – typically experience less damage, loss and downtime than businesses without a plan.

“If your business lacks an emergency plan, a natural disaster can turn into a business catastrophe,” said Paula Fleming, spokesperson for the local BBB. “But a solid emergency plan can give you a lot of peace of mind and a greater sense of security.”

After you’ve made plans to ensure the safety of your employees, BBB offers the following advice to help keep your business operating and meeting your customers’ needs in the wake of a disaster:

Don’t be caught off guard. Consider the different types of disasters—fire, flood, tornado, etc.—that can occur and how your business would respond differently to being displaced for a week, a month, or longer.

Know your surroundings. Determine alternate locations for your business to operate if you are displaced from your current building. This could mean enabling employees to work from home or finding an alternate location for your office or store.

Prepare your staff. Identify essential staff who are core to the operations of the business and keep a list of their phone numbers (home, work, pager, cell) and e-mail addresses that can be accessed by employees from several locations (home, Internet, etc.).

Communicate, communicate, communicate. Devise an emergency communications plan that outlines how your business will communicate with employees, customers, vendors and other key external contacts in the days following a disaster. Contact vendors and suppliers to confirm their emergency response plan procedures. Be prepared to use alternate vendors for essential supplies and equipment. Have your back-up equipment kept in good working condition.

Have an up-to-date inventory of your assets. Review your insurance policies to ensure that you have adequate coverage for items you cannot afford to lose. A standard policy may not cover business interruption losses.

Store your documents safely and efficiently. Keep duplicates of personnel, payroll, payables and receivables and other essential records at an off-site location. Regularly make back-up copies of important computer files.

Establish a succession of management for the company. Determine who will manage the company if key leaders are unavailable.

For more business tips you can trust, visit bbb.org/us/bbb-news.

Don't Cruise Your Way into a Vacation Scam

1/10/2012

Posted on 1/10/2012 by
January 10, 2012 - Marlborough, MA -

As the winter months set in and the snow piles up, nothing sounds better than relaxing under a tropical sun. Winter and spring are prime cruising months, but Better Business Bureau is advising consumers to read all of the fine print before signing up for a special cruise deal.

In 2011, BBB received more than 1,300 complaints against cruises. While many cruise deals are legitimate, there are always those sneaky few that end up sucking thousands of dollars from victims. BBB is urging consumers to be cautious of unsolicited mail with offers of free or discounted cruises.

“Many times, scammers will send numerous e-mails, postcards, and other mailings trying to get you to call them in order to claim your ‘free cruise,’” said Paula Fleming, spokesperson for the Better Business Bureau. “Don’t be fooled by professional looking websites either. Gather as much information as you can about the business, and ask a lot of questions before signing on the dotted line.”

BBB and CruiseCritic.com recommend the following tips to consumers who are looking to book a cruise getaway:

Don’t be a victim. Oftentimes, vacation scammers will use high-pressure sales tactics and make you feel coerced to buy the limited-time deal on the spot. A reputable business or travel agent will provide any information that you request, and give you time to decide before booking a vacation.

Always check the business first. If an offer sounds too good to be true, it usually is. Before giving a business any personal information, check out their BBB Business Review at www.bbb.org/search. Consumers can also contact the Cruise Lines International Association (CLIA) for information on finding a reputable travel agent.

Pay with a credit card. For your best protection against a dishonest seller of travel, always pay for your cruise fare -- both the initial deposit and the final payment -- with a major credit card such as Mastercard, Visa or American Express. If problems arise, you may be able to dispute the charges with your credit card company. Important note: This protection may not apply to those using debit or check cards; it's important to confirm policies with your issuing bank before you charge.

Ensure your money is in the right hands. After you've made a payment, review your credit card or bank statement and make sure that any applicable charges originate directly with the cruise line, not with the travel agency. That way, you'll know that the cruise line has definitely received your money. If you must pay by check or money order, it should be made payable to the cruise line -- not to the agency or to an individual.

Get proper confirmation of your booking. Insist on getting the actual cruise line's confirmation numbers, not just a confirmation number from your agency. Not only will you then know that your information and money is in the right hands, but you'll also be able to pre-reserve shore excursions, restaurant reservations and spa appointments (where available) on the cruise line's website.

Don’t be afraid to ask lots of questions. Before signing on the dotted line make sure all of the details have been clearly outlined and the pricing has been thoroughly explained. Double check whether there are hidden cancellation fees, port charges, or insurance processing fees that haven’t been covered.

Consider investing in travel insurance. Travel insurance can provide protection in the event of an accident, an illness, lost luggage, or a canceled or interrupted trip, among other things. Follow the same steps outlined here when buying travel insurance.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

BBB Names Top Ten Scams of 2011

1/5/2012

Posted on 1/5/2012 by
January 5, 2012 - Marlborough, MA - Better Business Bureau investigates thousands of scams every year, from the latest gimmicks to schemes as old as the hills. Our new Scam Source (bbb.org/scam) is a comprehensive resource on scam investigations from BBBs around the country, with tips from BBB, law enforcement and others. You can sign up to receive our Scam Alerts by email, and you can also be a scam detective yourself by reporting scams you’ve discovered.

We’ve divided scams up into nine major categories and picked the top scam in each, plus our Scam of the Year.

Top Job Scam

BBB sees lots of secret shopper schemes, work-from-home scams, and other phony job offers, but the worst job-related scam can dash your hopes and steal your identity. Emails, websites and online applications all look very professional, and the candidate is even interviewed for the job (usually over the phone) and then receives an offer. In order to start the job, however, the candidate has to fill out a “credit report” or provide bank information for direct deposit of their “paychecks.” The online forms are nothing more than a way to capture sensitive personal data – Social Security number, bank accounts, etc. – that can easily be used for identity theft. And, of course, there is no job, either.

Top Sweepstakes and Lottery Scam

Sweepstakes and lottery scams come in all shapes and sizes, but the bottom line is almost always this: You’ve won a whole lot of money, and in order to claim it you have to send us a smaller amount of money. Oh, and keep this confidential until we’re ready to announce your big winnings. This year’s top sweepstakes scam was undoubtedly the email claiming to be from Facebook founder Mark Zuckerberg announcing that the recipient was the winner of $1 million from the popular social networking site. These kinds of scams often use celebrities or other famous names to make their offer seem more genuine. If you aren’t sure, don’t click on the link but instead go directly to the homepage of the company mentioned. If they are really giving away $1 million, there will be some kind of announcement on their website. But don’t waste too much time looking.

Top Social Media/Online Dating Scam

On the Internet, it’s easy to pretend to be someone you are not. Are you really friends with all of your “Friends” on Facebook? Do you have a lot of personal information on a dating site? With so much information about us online, a scammer can sound like they know you. There are tons of ways to use social media for scams, but one this year really stands out because it appeals to our natural curiosity…and it sounds like it’s coming from a friend. Viral videos claiming to show everything from grisly footage of Osama bin Laden’s death to the latest celebrity hijinks have shown up on social media sites, often looking as if they have been shared by a friend. When you click on the link, you are prompted to “upgrade your Flash player,” but the file you end up downloading contains a worm that logs into your social media account, sends similar messages to your friends, and searches for your personal data. The next time you see a sensational headline for the latest viral video, resist the urge to peek.

Top Home Improvement Scam

Always near the top of BBB complaint data are home improvement contractors who often leave your home worse than they found it. They usually knock on your door with a story or a deal – the roofer who can spot some missing shingles on your roof, the paver with some leftover asphalt who can give you a great deal on driveway resealing. Itinerant contractors move around, keeping a step ahead of the law…and angry consumers. The worst are those who move in after a natural disaster, taking advantage of desperate homeowners who need immediate help and may not be as suspicious as they would be under normal circumstances. A large percentage of BBB’s Accredited Businesses are home contractors who want to make sure you know they are legitimate, trustworthy and dependable. Find one at bbb.org/search.

Top Check Cashing Scam

Two legitimate companies – Craig’s List and Western Union – are used for an inordinate amount of scamming these days, and especially check cashing scams. Here’s how it works: Someone contacts you via a Craig’s List posting, maybe for a legitimate reason like buying your old couch or perhaps through a scam like hiring you as a secret shopper. Either way, they send you a check for more than the amount they owe you, and they ask you to deposit it into your bank account and then send them the difference via Western Union. A deposited check takes a couple of days to clear, whereas wired money is gone instantly. When the original check bounces, you are out whatever money you wired…and you’re still stuck with the old couch.

Top Phishing Scam

“Phishing” is when you receive a suspicious phone call asking for personal information or an email that puts a virus on your computer to hunt for your data. It’s almost impossible to avoid them if you have a telephone or an email account. But the most pernicious phishing scam this year disguised itself as official communication from NACHA – the National Automated Clearing House Association – which facilitates the secure transfer of billions of electronic transactions every year. The email claims one of your transactions did not go through, and it hopes you react quickly and click on the link before thinking it through. It may take you to a fake banking site “verify” you account information, or it may download malware to infiltrate your computer.

Top Identity Theft Scam

There are a million ways to steal someone’s identity. This one has gotten so prevalent that many hotels are posting warnings in their lobby. Here’s how it works: You get a call in your hotel room in the middle of the night. It’s the front desk clerk, very apologetic, saying their computer has crashed and they need to get your credit card number again, or they must have gotten the number wrong because the transaction won’t go through, and could you please read the number back so they can fix the problem? Scammers are counting on you being too sleepy to catch on that the call isn’t from the hotel at all, but from someone outside who knows the direct-dial numbers for the guest rooms. By the time morning rolls around and you are clear-headed, your credit card has been on a major shopping spree.

Top Financial Scam

In challenging economic times, many people are looking for help getting out of debt or hanging on to their home, and almost as many scammers appear to take advantage of desperate situations. Because the federal government announced or expanded several mortgage relief programs this year, all kinds of sound-alike websites have popped up to try to fool consumers into parting with their money. Some sound like a government agency, or even part of BBB or other nonprofit consumer organization. Most ask for an upfront fee to help you deal with your mortgage company or the government (services you could easily do yourself for free), and almost all leave you in more debt than when you started.

Top Sales Scam

Sales scams are as old as humanity, but the Internet has introduced a whole new way to rip people off. Penny auctions are very popular because it seems like you can get something useful - cameras, computers, etc. – for way below retail. But you pay a small fee for each bid (usually 50₵ to $1.00) and if you aren’t the winner, you lose that bid money. Winners often are not even the top bidder, just the last bidder when time runs out. Although not all penny auction sites are scams, some are being investigated as online gambling. BBB recommends you treat them the same way you would legal gambling in a casino – know exactly how the bidding works, set a limit for yourself, and be prepared to walk away before you go over that limit.

Scam of the Year

Yep, it’s us – the BBB phishing scam. Hundreds of thousands, perhaps millions, of people have gotten emails that very much look like an official notice from BBB. The subject line says something like “Complaint Against Your Business,” and the instructions tell the recipient to either click on a link or open an attachment to get the details. If the recipient does either, a malicious virus is launched on their computer…a virus that can steal banking information, passwords and other critical pieces of information needed for cyber-theft. BBB is working with security consultants and federal law enforcement to track down the source of these emails, and has already shut down dozens of hijacked websites. Anyone who has opened an attachment or clicked on a link should run a complete system scan using reputable anti-virus software. If your computer is networked with others, all machines on the network should be scanned, as well.

For more information on these and other scams, go to BBB Scam Source (www.bbb.org/scam). Sign up for our Scam Alerts and learn about new scams as soon as we do.

New Year's Resolution: Lose Weight Not Money

1/3/2012

Posted on 1/3/2012 by
January 3, 2012 - Marlborough, MA - Losing weight is one of the most common New Year’s resolutions after the gluttony of the holiday season. If you’re pledging to lose some pounds this year by joining a gym, Better Business Bureau recommends asking ten questions before signing on the dotted line.

Each New Year millions of consumers crowd into gyms armed with willpower and personal goals toward healthier, more active lifestyles. While it’s exciting to gear up towards a goal, it’s also important to treat this decision like any other major purchase. To date, BBB has received more than 6,600 complaints against gyms ranging everywhere from billing and collection issues to overall contract issues.

Joining a health club can be a major purchase, so first check out www.bbb.org/search to see how your club rates. BBB also recommends asking the gym and yourself the following questions before signing up for a membership:

Five questions to ask the gym:

• What are the terms of any introductory offers? Gyms often use special introductory offers to lure in new members. Just make sure you understand the terms and what the price will be once the introductory period is over.

• Will my membership renew automatically? Many times people who joined a gym didn’t realize that their contract would renew automatically and that they would have to take specific steps to cancel their contract.

• How can I get out of my contract? Getting out of a gym contract isn’t always as easy as getting into one, so make sure you understand what steps you would need to take to cancel your membership.

• What happens if I move? Gyms have any number of different policies when it comes to how moving will affect your membership. It might depend on how far away you’re moving and if they have other locations nearby.

• What happens if you go out of business? Ask the gym to explain what will happen to your money if they suddenly go out of business.

Five questions to ask yourself when looking at potential gyms/health clubs:

• What are my fitness goals? Determining your fitness goals in advance will help you select a facility that is most appropriate for you. If you have a serious health condition, consult with a medical professional when setting your fitness goals.

• Is this location convenient? If the gym is across town, you’ll be less likely to work out. Choose a fitness club that is convenient to work or home so the location is not a deterrent to getting exercise.

• Can I really afford this every month? Monthly gym fees add up and, after any introductory periods are over, the price could jump higher than your budget can handle. Do the math before you join and make sure you can afford a gym membership.

• Am I feeling pressured to join? Do not give in to high-pressure sales tactics to join right away. A reputable gym will give you enough time to read the contract thoroughly, tour the facilities, and make an informed decision.

• Did I get everything in writing? Read the contract carefully and make sure that all verbal promises made by the salesperson are in writing. What matters is the document you sign, so don’t just take a salesperson’s word for it.

For more advice from BBB on how to be a savvy consumer all year long, visit www.bbb.org.

BBB Offers End of Year Checklist to Help Start 2012

12/27/2011

Posted on 12/27/2011 by
How to Get a Head Start on Making 2012 a Prosperous Year

Marlborough, MA - December 27, 2011 - December is a time for family, travel, food and fun. However, for businesses it is a great time to evaluate 2011 successes, and determine business needs for the upcoming year.

BBB offers a checklist to help you plan for 2012:

• Plan Strategically
In order to plan where you want to be one year from now, evaluate your current business successes. Take the time to update your finances, business plan and yearly budget in order to set realistic goals for 2012.

• Redefine Your Branding
Evaluate how you reach your current and future customers and determine methods to enhance your product and service offerings. This may be as simple as developing a new tagline or as in depth as investing in new technology. Determine what items should be implemented and add those to your budget for 2012.

• Finalize 2011 Projects
Review your “to do” lists and ask your employees to do the same. Assign deadlines to finish these tasks or reevaluate for the following year.

• Prepare for Tax Season
Contact your tax accountant or visit the Internal Revenue Service’s website and order your forms for the upcoming tax season. Start gathering your receipts for a faster tax preparation. Remember any employee that earned more than $600 during 2011, including contract laborers, should receive a tax form.

• Complete Employee Reviews
Schedule time with employees to complete year-end reviews, revisit goals and celebrate accomplishments. Identify the training and resources needed to develop your employees both professionally and personally.

• Take Inventory
Take a physical inventory of your office equipment and supplies. Make sure you have replacement insurance coverage for all company assets.

• Thank Your Customers
Year-end is the perfect time to send an email or holiday card thanking your customers for their business. Include a short survey to help elicit feedback on how you can improve your products and services in 2012.

For more advice on developing effective business strategies, visit bbb.org/us/Business-Resources.

Is Your Car a Lemon? BBB Warns Consumers to Steer Clear of Deceptive Used Car Dealerships

12/22/2011

Posted on 12/22/2011 by

Is Your Car a Lemon? BBB Warns Consumers to Steer Clear of Deceptive Used Car Dealerships

Marlborough, MA – December 22, 2011 – Consumers are constantly on the lookout for a great deal when buying a new or used car. Better Business Bureau (BBB) urges consumers to do their research before doing business with used car dealers like Bumper2Bumper.

Bumper2Bumper, previously known as Bangor Car Care, is a used car dealer located in Bangor, Maine. Currently, BBB has received 53 complaints; these complaints remain unanswered. Consumers reported issues with repairs, warranty and customer service. They stated Bangor Car Care is selling cars that do not meet Maine’s safety standards, the mechanical work is unacceptable, and they do not provide satisfactory customer service. Complaints include accusations of inappropriate behavior by customer service personnel when asking for their deposit refunded or other services rendered.

“Whether you are looking for a fuel-efficient small car, a sporty convertible, or a family minivan, BBB can help guide you through the car buying experience,” said Paula Fleming, spokesperson for BBB. “When buying a car go armed with knowledge of car dealerships and a realistic financial budget.”

From Your BBB: Advice on Buying from a Car Dealer

• Think about how long you will keep the car, what color, size, and features you want. And, of course, what you can afford.

• Talk to people who have a car like you are considering buying. What do they like or dislike about the car?

• Talk with your bank or credit union about their terms for a used auto loan.

• Use resources about used cars, such as Edmunds’s Used Cars Prices and Ratings, Consumer Reports Monthly, and Kelley Blue Book.

• Check out the dealer’s reputation with Better Business Bureau.

• Ask the dealer for the CARFAX on the vehicle and/or how you can contact the previous owner.

• If you buy from a private owner, ask for the car’s maintenance and repair records. Check the title to make sure the seller is the legal owner.

• Inspect the car in daylight and good weather.

• Take it for a road test, checking out everything on that dashboard.

• Regardless of where you purchase the car, have your mechanic check it over before you make a final offer.

BBB Tips for Advoiding the Holiday Travel Headache

12/22/2011

Posted on 12/22/2011 by
Tips for Avoiding the Holiday Travel Headache
Marlborough, MA -- December 22, 2011

The holidays are a time of cheer, but they can also be a time for battling traffic and bad weather on the road. Staying safe should be a top priority for all travelers so Better Business Bureau recommends taking a few precautions when hitting the road this holiday.

“Before setting out, give your car the attention that it needs,” said Paula Fleming, Vice President of Communications & Marketing for the local BBB. “Make sure you are well-equipped and know where to turn should the unexpected happen.”

BBB recommends taking the following steps for safe driving this holiday season:

• Create a car safety kit. Holiday driving often includes the threat of dangerous winter weather. Snow and ice lead to accidents, car troubles, long delays and road closures. You can prepare for bad weather by creating your own safety kit. Basics for the kit include blankets, flashlight with extra batteries, radio, first aid kit, jumper cables, non-perishable foods like granola bars and nuts, bottled water, an ice scraper and warm gloves.

• Take the car in for a checkup. Breaking down on the side of the road can definitely put a damper on the holiday spirit. If your car is due for a check up, take it in before making that long haul. At the very least, check the car’s fluid levels, wipers and tire pressure. Check the condition of your tires and, if you plan on driving through serious winter weather, consider getting snow tires.

• Take BBB with you. When you’re away from home or in the midst of an emergency, it’s hard to know which businesses—such as tow trucks and locksmiths—you can trust. The good news is you can now rely on BBB’s mobilized website or the BBB iPhone App. for finding businesses you can trust when you’re away from your computer.

• Plan your Trip. Make sure you know how to get where you are going, with or without a GPS. Map out the trip before you go.

• Start early and slow down. The best way to fight holiday traffic is to give yourself some extra time to make the trip, and don’t speed. Speeding leads to accidents, getting arrested for speeding, adds travel time and puts a dent in your holiday spending.

• Drop the distractions. According to the Insurance Institute for Highway Safety, drivers who use hand-held devices are four times as likely to get into crashes serious enough to injure themselves. When you’re behind the wheel, don’t text and drive, don’t use the phone, and get someone else to fumble with the GPS.

• Get some rest. Loss of attention is one of the major causes of accidents. Don’t drive tired. If you are drowsy or feel your attention wandering, pull off in a safe place and get some rest.

For more advice on staying safe over the holidays, visit us online at bbb.org/us/consumer-tips-holiday/.

BBB Updates Advice for Recipients of Phishing Email Claiming to Be a Complaint

12/20/2011

Posted on 12/20/2011 by
Arlington, Virginia (December 16, 2011) – An email scam using the Better Business Bureau’s name and logo continues to proliferate across North America, and even to some overseas addresses. Most of the emails carry the famous BBB torch logo and come with the subject line “Complaint from your customers.” The emails have a link or an attachment containing malicious phishing malware that steals information, often with devastating results.

Larry Andrus is a member of the board of directors of BBB Western Michigan and also the CEO of Trivalent Group, Inc., a BBB Accredited Business that helps its clients manage, access, protect, and store their data. One of his firm’s clients opened the affected attachment, which launched malware that quickly found the accounting office’s computers, accessed bank numbers and passwords, and nearly completed a fund transfer from the company’s account.

“We had to completely wipe the computers in order to contain the damage to our client,” said Dawn Simpson, Trivalent’s vice president of marketing and business development.

Because of experiences such as this one, BBB has updated its advice and recommends the following to anyone who receives the email:

• Do not to open any attachments
• Do not click on any links
• Delete the email from your inbox, and then delete it again from your trash or recycling folder
• Run a full system scan using reputable virus software

Previously, BBB had recommended running a full system scan only if the recipient had clicked on the link or opened the attachment. But due to the virulent nature of the virus, the new recommendation is for everyone who receives it to do the scan. In offices or homes that are networked, all computers should be scanned.

Chris Garver, Chief Information Officer at the Council of Better Business Bureaus, recommends that all domain owners set up a sender policy framework (SPF) and set their spam filter to use it. “Using the SPF standard helps fight spam and phishing attacks by allowing your email servers to verify whether an email is legitimate…or not,” he says.

Microsoft offers a simple, four-step process for setting up an SPF: www.microsoft.com/mscorp/safety/content/technologies/senderid/wizard/

If you receive an email saying your business has a complaint filed against it with BBB, there are several things you can do to authenticate it:

• Look for typos, grammatical errors, etc. in the text that could indicate it originated overseas.
• Check to see who it says it is from. Complaints go out from the local BBBs, not from the headquarters office.
• Hover your mouse over the link to see if its destination is really a bbb.org address.
• Copy and paste the link into Notepad (not Word). Notepad does not support html, so if the link is a fake bbb.org address, the real link will show up.
• If you still are not sure, go to www.bbb.org to find your local BBB, and send them a new email to ask if you have a complaint (do not Reply to the email you received, or forward it to them). They have been swamped with requests, so you may not hear back immediately.

CBBB is working with federal law enforcement agencies to identify the perpetrator of this fraud, and is also looking into other measures it can take to help prevent future phishing scams from spreading.

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Media: For more information, contact Katherine Hutt at 703-247-9345 or khutt@council.bbb.org. After hours or weekends, call the BBB Media Hotline at 571-422-3584.

Keeping Your Pets Happy and Safe when Boarding this Holiday Season

12/13/2011

Posted on 12/13/2011 by
As much as pet owners may want to take their furry or feathered friends with them wherever they go, sometimes you can’t take them with you and finding a kennel or pet care service you can trust is paramount. That’s why Better Business Bureau has created a checklist to help pet owners choose a safe and reliable home-away-from-home for their pets.

Every year, BBB receives hundreds of complaints from pet owners about kennels. To date, in 2011, BBB has received more than 400 complaints arguing disputes over billing, and over the treatment of the pet – which is up from the 273 complaints filed in 2010. Owners say their pets came back from poor boarding kennels severely dehydrated and malnourished or rife with fleas, ticks, and even maggots. Worst-case scenarios include pets that became extremely ill while boarding at poor facilities which resulted in lengthy stays at the animal hospital.

“Our pets are like family and the last thing we want to do is stress over their care during the holiday season,” said Paula Fleming, BBB spokesperson. “Take a few moments to do your research and find a kennel you can trust so your time out of town will be easier for you and your pet.”

If you are looking for a reliable kennel, BBB recommends the following checklist:

Check them out and get recommendations. Always check out the kennel with BBB at bbb.org first to make sure they have a good track record for keeping customers satisfied. Also ask your friends, neighbors, veterinarian or local animal shelters for recommendations.
Make a visit. Personally visit the facilities you are considering before scheduling the boarding. Check for cleanliness and offensive odors, and note the overall safety of the kennel and cages.

Ask lots of questions. If your pet is prone to running away, ask about steps the kennel has taken to make their facilities escape-proof. Ask about how your pet may come in contact with other animals. Some kennels let animals play together while others keep them separate at all times. Ask about the feeding schedule, water accessibility and frequency of – or fees related to – exercise. Ask about the hours for drop off and pick up and make sure you understand their billing policy. Finally, ask what happens in case of a medical emergency or other unexpected situation.

Go with your gut. Note the friendliness of staff members and how they interact with the boarded pets. Ask about their background and experience. If your state requires inspections, look for the certificate on the wall and make sure the kennel is properly licensed. Make sure the facility requires that all entering pets have proof of immunization, and ask about their policies regarding flea and tick control.

For more advice on finding reputable businesses around the holidays, visit us online at www.bbb.org/us/consumer-tips-holiday.

Is your Child a Star? BBB Warns Parents to Beware of Talent Agency Sales Practices

12/13/2011

Posted on 12/13/2011 by

MARLBOROUGH, MA, December 12, 2011 – The Better Business Bureau is warning parents to be skeptical if approached in shopping malls by talent scouts touting their services to get their children into television and motion pictures.

BBB has received inquires and complaints about the sales practices and contractual issues involving one such company, InterFACE, which has offices in Florida, New Jersey and Connecticut, in addition to Framingham, MA. InterFACE describes itself as a talent marketing agency that connects aspiring models, actors and singers to industry professionals.

In a pending lawsuit filed in June, 2011 by the New Jersey Attorney General and State Division of Consumer Affairs , Interface 1, LLC is accused of engaging “…in deceptive practices in order to entice consumers to enter into written agreements to pay for services that would purportedly assist their children in obtaining modeling and acting careers.”

The company offers ‘free’ screenings for children to be connected to modeling agencies.

“Modeling can be an exciting opportunity for children, but signing up with a deceptive talent agency can be a waste of time and money,” said Paula Fleming, BBB spokesperson. “Even if the agency tells you that your child has ‘the look’, it is important to always take the time to do some research and be able to spot empty promises.”

BBBs have received 376 complaints about this business. Complaints state that parents are approached by InterFACE talent scouts at public places which include malls, sporting events, theme parks, etc. Parents are told that their child could be a model or actor and offered a ‘free’ screening at the company’s office. Complaints indicate during the screening, parents are pressured to schedule a date for a photo shoot, make a payment of up to $1,500 and sign a contract.

Complaints to BBB indicate that the contract includes a clause that states the contract cannot be cancelled once the photo shoot has been scheduled, but this is not made clear before the contract is signed. Parents state that when they try to contact InterFACE to cancel the contract, they are denied. Parents of children who complete the photo shoot reported that they were asked for additional fees of up to $1,800 to post the photos online or to create composite cards.

Before signing any contract with a modeling or talent agency:

Do your research. Always check the business out with your BBB at bbb.org/reviews. Some states may require a talent agency or modeling school to be licensed and bonded; confirm the business meets those requirements if applicable.
Beware of big promises and high pressure sales pitches. In the modeling world, income is never guaranteed and jobs can be sporadic. Consider it a red flag if the sales pitch promises a lot of jobs and big earnings or uses high pressure tactics to get you to sign up without thinking it through first.

Read the fine print and get everything in writing. Take your time and read the agreement or contract carefully, paying close attention to details regarding refunds and your recourse if you are dissatisfied. Make sure that all verbal promises are in the agreement.

Get references. Ask for references from other satisfied clients who have a similar background and qualifications.

Complain if you’ve been ripped off. If you feel you’ve been misled by a talent or modeling agency, file a complaint with your BBB at bbb.org, State Attorney General and the FTC.

For more advice on finding businesses and services that you can trust, visit bbb.org.

About BBB

BBB is an unbiased organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Business Reviews and charity BBB Wise Giving ReportsTM, and educational information on topics affecting marketplace trust. To further promote trust, BBB also offers complaint and dispute resolution support for consumers and businesses when there is difference in viewpoints. The first BBB was founded in 1912. Today, 128 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than 3 million local and national businesses and charities. Please visit bbb.org for more information about the BBB System.

BBB's 8 Tips to Prepare Your Home, Car for Winter

12/9/2011

Posted on 12/9/2011 by
BBB's 8 Tips to Prepare Your Home, Car for Winter

Marlborough, MA -- With temperatures in the freezing zone, the Better Business Bureau (BBB) advises consumers to prepare homes and vehicles for cold weather to reduce heating costs, to prevent damage and destruction of property or simply to save headaches when snow and ice arrive.

“Getting your car and heating system in tip-top shape can prevent breakdowns and save money in the long run,” said Paula Fleming, vice president of communications for the local BBB. “At least once a year, it makes sense to check your furnace, put ice scrapers in your car and make sure your home is winterized.”

Snowflakes may be beautiful, but they can add to your commute or cause damage to your home. Be prepared for blizzards, blackouts and other winter storm-related problems by keeping important supplies in one place. An emergency kit should contain bottled water, a first aid kit, battery-operated radio, fresh batteries, candles, matches and non-perishable food. The BBB recommends assembling a similar kit for the car, complete with blankets, extra gloves, a shovel and salt or snow-melting chemicals.

Other items on the cold weather checklist:

• Furnace checkup and cleaning: Clean or replace your furnace’s air filters. Have a professional check the furnace and ensure the thermostat and other parts are working properly. A typical home furnace reaches the end of its useful life after 15 years and may need repair or replacement.

• Consider insulating heating ducts: The U.S. Department of Energy (DOE) estimates that a centrally-heated home can lose as much as 60 percent of warmed air before it reaches vents if the ductwork is poorly connected, not insulated, or if it travels through unheated spaces. Use a vacuum cleaner to remove dust and dirt from vents.

• Get a chimney checkup: Before lighting the first fire of the season, your chimney should be checked for animals, nests, leaves and other debris, as well as for any necessary repairs.

• Check smoke and carbon monoxide detectors: Homeowners should routinely test these devices to make sure they work and install fresh batteries as needed. Detector units should be replaced every 10 years.

• Clear gutters and ridge vents: Clean gutters to prevent or remove any buildups that would cause rainwater to clog, freeze and damage gutters. Ridge vents should be cleared to allow the house to “breathe” properly to eliminate stagnant inside air. Close any attic vents or windows that would allow heated air to escape and cold air to seep in.

• Plug holes: The average American home may have many small air leaks. Though they may not be large, they have a cumulative effect on home heating costs. Make sure windows close tightly. Check for leaks around them, and use caulking to plug the leaks. Inspect all weather stripping for cracks and peeling. In addition, consider applying insulating film to drafty windows, and install a tight-fitting fireplace door or cover to stop a day-long loss of heat through the chimney.

• Final preparations: Test your snow blower to find out whether there is a problem now rather than waiting until a storm hits. Prepare your snow-clearing equipment, such as shovels, salt or other ice-melting products. Finally, don’t forget to drain outside faucets and remove hoses to prevent the pipes from freezing.

• Car checkup: Make sure you have ice scrapers, blankets and other cold-weather gear in your car. Have a mechanic check fluid levels, including the coolant, to be sure reservoirs are full and able to withstand freezing temperatures. Do windshield wipers need to be replaced? Are defrosters and heaters working? Is there enough tread left on the tires for safe driving?

Check out a Business at bbb.org prior to making a purchase of a product or service.

ALERT: Emerging Phishing Scam

12/7/2011

Posted on 12/7/2011 by
Better Business Bureau is issuing an urgent SCAM alert cautioning businesses and consumers about an email appearing to be circulating from the Council of Better Business Bureaus regarding a complaint. The email contains a dangerous link and appears to direct recipients to a BBB website.

This is a SCAM.

BBB has updated its advice and recommends the following to anyone who receives the email:

Do not to open any attachments
Do not click on any links
Delete the email from your inbox, and then delete it again from your trash or recycling folder
Run a full system scan using reputable virus software

The purpose of fake messages is to trick businesses and consumers into providing the following personal information:

Name and username.
Address and phone number.
Password or PIN.
Bank account number.
ATM/debit or credit card number.
Credit card validation code (CVC) or card verification value (CVV).
Social security number (SSN).

DO NOT GIVE THIS INFORMATION OUT

Previously, BBB had recommended running a full system scan only if the recipient had clicked on the link or opened the attachment. But due to the virulent nature of the virus, the new recommendation is for everyone who receives it to do the scan. In offices or homes that are networked, all computers should be scanned.

If you receive an email saying your business has a complaint filed against it with BBB, there are several things you can do to authenticate it:

Look for typos, grammatical errors, etc. in the text that could indicate it originated overseas.
Check to see who it says it is from. Complaints go out from the local BBBs, not from the headquarters office.
Hover your mouse over the link to see if its destination is really a bbb.org address.
Copy and paste the link into Notepad (not Word). Notepad does not support html, so if the link is a fake bbb.org address, the real link will show up.
If you still are not sure, go to www.bbb.org to find your local BBB, and send them a new email to ask if you have a complaint (do not Reply to the email you received, or forward it to them). They have been swamped with requests, so you may not hear back immediately.

CBBB is working with federal law enforcement agencies to identify the perpetrator of this fraud, and is also looking into other measures it can take to help prevent future phishing scams from spreading.

Please foward the email to phishing@council.bbb.org or report any information received to BBB’s Scam Source , and then delete it .

Federal Law Enforcement is investigating.

View an example of the email.
Note: the email has taken on numerous forms.

BBB Warns Homeowners: Changes to Mortgage Rules Bring Out Scams

12/5/2011

Posted on 12/5/2011 by
Arlington, VA – Starting today, some homeowners who are “under water” with their mortgages can refinance under the Home Affordable Refinance Program (HARP), but the Better Business Bureau is warning consumers that banks and mortgage companies aren’t the only ones gearing up for the rush of applications.

“Whenever there is a new or updated government program that may be a bit confusing, scammers come out of the woodwork to take advantage of that confusion,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “There are already hundreds of websites claiming to be able to help homeowners through the HARP process, but many of them are rip-offs and scams.”

BBB is warning all homeowners who are thinking of applying for a HARP refinance to: -Deal directly with your lender first, and never make payments to anyone other than your lender.

-Don’t pay upfront fees to anyone who promises to provide counseling, takes care of the paperwork for you, or stops the foreclosure process.

-Be wary of anyone who tells you not to contact your lender, a lawyer or a credit counselor, or who asks for payment by cashier’s check or wire transfer.

-Never sign over your deed to anyone, or allow yourself to be pressured into signing something you don’t understand.

-Be especially careful of look-alike and sound-alike websites.

-Find out if you qualify here or by calling the Homeowner’s HOPE Hotline at 1-888-995-HOPE (4673) to speak to a HUD-approved housing counselor for free (assistance is available in English and Spanish, and in other languages by appointment).

-Report scams to BBB at bbb.org/us/scam-source.

The changes to the HARP program were announced by President Obama in October to allow homeowners to refinance at lower interest rates, even if their home is currently worth less than their mortgage. The new HARP rules apply to homeowners who are current on their payments and whose loans are backed by either FannieMae or FreddieMac. Some lenders will begin accepting applications as early as today, although many will take a few weeks or even a few months to roll out the program. More than one million borrowers are expected to apply for the program, according to the Federal Housing Finance Agency, which oversees the two major mortgage lending programs.

Check out businesses and charities before you buy, donate or invest at www.bbb.org. Additional mortgage and credit-related tips are available at www.bbb.org/us/clearpoint-tips. If you have credit problems, find a credit counseling agency in your area by calling 800-388-2227 (en Espanol 800-682-9832).

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB.

How You Give is Just as Important as What You Give

12/1/2011

Posted on 12/1/2011 by
Because of technology and the creativity of charities, there are many different ways that donors can give to a worthy cause. Whether you’re giving money, canned goods, used items or your time, BBB Wise Giving Alliance reminds donors that how you give is just as important as what you give.

According to the Giving USA Foundation, total estimated charitable giving in the United States rose 3.8 percent in 2010 (2.1 percent adjusted for inflation). The increase reflects the continued determination of every American to support charitable organizations even during challenging economic times.

“With a tight budget this holiday season, it will be important for donors to be creative when giving back and supporting those who are less fortunate,” said H. Art Taylor, president and CEO of the BBB Wise Giving Alliance. “When looking to make a contribution, it’s important to take the time to do your research. How you give is just as important as what you give.”

BBB Wise Giving Alliance offers the following five common ways that people donate to charities over the holidays and a few things to consider:

Give items. Many organizations solicit for donations over the holidays including coats, toys, and canned goods. Whatever you’re donating, make sure the items are of good condition and that the recipient charity is accepting such items to help further its cause.

Give when you shop. Many charities have had great success partnering with businesses that agree to donate some amount of the purchase price from sales of items to a worthy cause. This type of cause-related marketing means that you can help while you shop. Check if the promotion identifies the actual or anticipated amount of the purchase price the charity will receive. Also some businesses, like grocery stores, ask if you want to donate to a charity and have that amount added to your receipt (also called embedded giving). See if the embedded promotion states which specific charity will receive the collected funds.

Give online. Giving online with a credit or debit card is among the most efficient ways to support a charity. Before you enter in your numbers, give the website a thorough review, look for the organization’s privacy policy, and verify if the organization has appropriate security measures in place to protect such transactions.

Give through text messaging. The option to give via text message took off in the wake of the disastrous earthquake in Haiti. After texting a message to a number, the donation is tacked on to your cell phone bill. While donating via text is fast and easy for the donor, the actual money can take 60 – 90 days to reach the charity since the funds are forwarded after you pay the donation charge on your next monthly cell phone bill. During disaster giving periods like Haiti, however, cell phone carriers work to forward funds faster. Of course, charities welcome donations at any time during the year.

Give your time. In today’s tight economy, you may not have money, but you can always give a little bit of your time to help support a worthy cause. In addition to volunteering around the holidays, you can also be a vocal supporter of a charity and help raise awareness among friends and family and on your Facebook page or blog.
The BBB Wise Giving Alliance reports on more than 1,200 national charitable organizations at www.bbb.org/charity and determines if they meet 20 accountability standards addressing governance, finances and fund raising practices.
To review charity evaluations and get more advice on how to give when times are tight, visit www.bbb.org/charity.

Know the Keys to Finding a Trustworthy Locksmith

11/18/2011

Posted on 11/18/2011 by
Being locked out of your home or vehicle is a stressful situation. Unfortunately, some untrustworthy locksmiths will only make matters worse. Better Business Bureau is warning consumers to beware of untrustworthy locksmith businesses taking advantage of consumers across the country.

“It is unfortunate that any business would exploit those who are in such a vulnerable situation,” said Paula Fleming, vice president of communications and marketing for BBB. “We recommend finding a trustworthy business through your BBB, doing research before hiring, and filing a complaint if you feel you have been taken advantage of.”

Victim complaints to BBB reveal that several locksmith busineses, all using similar methods, are significantly overcharging consumers, charging them for unnecessary services, using intimidation tactics, and failing to give refunds or respond to consumer complaints. To date, BBB has received 1,051 complaints against locksmiths in the US.

Deceptive locksmith businesses will often advertise in yellow pages or internet listings and provide multiple false addresses and phone numbers to look like they are a local business. In reality, the address listed doesn’t actually exist and calls made to the business are routed through an out-of-state call center. BBB discovered that the address listed for one such locksmith in Massachusetts was actually a Suffolk University dorm.

Many untrustworthy locksmiths have websites advertising their ‘emergency’ services, low rates and reliable service. Customers will be quoted a reasonable price over the phone, but will be significantly up-charged on the invoice they receive once the job has been completed.

To avoid getting ripped off, BBB offers these tips to find a reliable locksmith that you can trust:

Know the name. Unscrupulous locksmiths often operate under many business names or aliases. They may answer the phone with a generic phrase like, “locksmith service” or simply “locksmith.” If the call is answered this way, ask, "What is the legal name of your business?"

Critique their advertising. Look closely at the business’ advertisements. Is the specific name of the business clearly identified? Does the ad look similar to other ads but have a different name? Does it appear that the dealer actually operates under several names?

Pay attention to the vehicle. Generally, locksmiths should arrive in a marked service vehicle or van that clearly states the business name. Keep in mind that some legitimate locksmiths do work out of a car or unmarked van for quick jobs.

Ask for identification. A legitimate locksmith should ask for your identification and some form of proof that you have the authority to allow the unlocking to be done. A legitimate locksmith should also provide you with their identification, usually in the form of a business card or invoice with the company name on it. Identifying information should also match the name on the service vehicle.

Get an estimate. Find out what the work will cost before you authorize it. Never sign a blank form authorizing work. Ask about additional fees (such as mileage charges, minimum service fees, or late night surcharges) before you authorize the locksmith to do the work. If the locksmith quotes you a different price upon arrival, do not allow the work to be done.

Demand an invoice. You can't dispute a charge without proof of how much you paid and what you paid for. Insist on an itemized invoice that includes parts, labor, mileage and service charges. The invoice should also include the business name and address.

Find out about insurance. Ask if the locksmith is insured. If your property becomes damaged during a repair, insurance is important to cover your losses.

Pay the right way. Using your credit card to pay for locksmith services can give you added security. Many credit cards have built-in fraud protection.

Plan for next time. Once you’ve found a reputable locksmith, keep their information handy in case you find yourself locked out again in the future. Always check with your BBB to find a trustworthy business in your area.

Only fifteen states require locksmiths to be licensed: Alabama, California, Connecticut, Illinois, Louisiana, Maryland, Nebraska, Nevada, New Jersey, North Carolina, Oklahoma, Oregon, Tennessee, Texas and Virginia. Do your research and find a reliable locksmith before you actually need one. Visit bbb.org to read Business Reviews about locksmiths in your area. You can find locksmiths who are affiliated with the Associated Locksmiths of America (ALOA) by searching www.findalocksmith.com or downloading their app on your smartphone.

If you have been a victim of a locksmith scam, file a complaint with your BBB at bbb.org. You can also record your complaint with the FTC or your State Attorney General. If you believe you’ve found a fraudulent locksmith online, contact the FBI Internet Crime Complaint Center.

For more information about reliable locksmiths and other businesses you can trust, visit bbb.org.

Check Privacy Policy on "Dear Santa" Websites

11/4/2011

Posted on 11/4/2011 by
More than 60 domain names have been registered in the name of Santa Claus, offering children a wide range of opportunities to email St. Nick. Sadly, some of the websites aren’t always so trustworthy and can potentially be a dangerous way to share personal information. Better Business Bureau is advising parents to do their homework before letting their child write to Santa this holiday season.

Writing to Santa has been a long lasting tradition, and while it seems innocent and fun, it is very important for adults to carefully review the site to determine who is seeking the information, how it will be used and whether it will be shared with third parties.

According to the Children’s Advertising Review Unit (CARU), all websites directed to children – or websites designed with a special children’s section – should have a privacy policy that explains the site’s information collection practices. The privacy policy should include the name of the company and the company’s complete contact information.

It should also state whether the company shares information with third parties, including advertisers, and whether the company publically discloses the information or retains the information for any future purpose.

CARU offers the following ‘Dear Santa’ site review tips:

Check to see what they want you to hand over. Websites directed to children should not ask a child to disclose more information than is reasonably necessary to participate in the activity – a first name and email address, for instance.

Limit the personal information children share with Santa and omit physical addresses. In many cases, there really shouldn’t be a need to share this information. Especially since Santa already knows where all the children live.

Check websites for unwelcome content. Some sites are geared toward adults and may contain language or advertising adults may not want children to see.

Check the links. Since hyperlinks can allow children to move seamlessly from one site to another, investigate the hyperlinks to assure children don’t access inappropriate content.

For more information on website safety and children, please visit CARU at CARU.org and for more information you can trust, visit bbb.org.

BBB Urges Consumers to Support Small Business Saturday

11/3/2011

Posted on 11/3/2011 by
In honor of Small Business Saturday, a day dedicated to supporting small businesses on the busiest shopping weekend of the year, Better Business Bureau is spreading awareness and advising consumers to support the small businesses in their area.

As a joining member, BBB is teaming up with American Express OPEN to spread the word on why small businesses are so awesome. For the second year in a row, American Express OPEN has declared November 26th, the Saturday after Thanksgiving, to be Small Business Saturday. Sandwiched between black Friday and cyber Monday, Small Business Saturday is a perfect way to support the small businesses that you love.

“It’s great to have a day that’s completely dedicated to the success of our small businesses and it’s even better to think that the success of this day could lead to the growth and prosper of the small businesses in the days and years to follow,” said Paula Fleming, vice president of communications & marketing for the local BBB. “We’d like to encourage our consumers to take advantage of this day and show support to the small businesses in their community.”

In preparation for Small Business Saturday, FedEX will be giving away 40,000 $25 American Express gift cards to lucky consumers, which can be used to shop at small businesses on Saturday, November 26th. 30,000 will go to people who register at FedEx Facebook's page, www.facebook.som/FedEx, beginning at noon CDT November 1st. FedEx will give the other 10,000 to customers.

American Express is also giving a $25 statement credit to American Express card members who spend $25 or more on Small Business Saturday at a qualifying small brick-and-mortar, independent merchant that accepts American Express. You must register to receive the credit. Registration is available in early November at www.facebook.com/smallbusinesssaturday. For small businesses, $100 in free Facebook ads will be awarded to the first 10,000 businesses that sign up at www.facebook.com/smallbusinesssaturday.
For more information on Small Business Saturday, visit http://smallbusinesssaturday.com and for more consumer information you can trust, visit www.bbb.org.

Don't Get Smoked Out of a Chimney Sweep Scam this Holiday Season

11/2/2011

Posted on 11/2/2011 by
With the chilly weather fast approaching, many consumers are yearning for a toasty fire by the fireplace and looking to have their chimneys cleaned in preparation. However, Better Business Bureau is advising consumers to know which businesses to trust and which to avoid to prevent their hard earned dollars from going up in smoke.

To date this year, BBB has received more than 380 complaints against chimney cleaners, which is up from the 342 complaints received in all of 2010.

“Chimney sweeping is not something that homeowners deal with often, so we may lack knowledge of the cleaning process,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “Many scammers take advantage of this and do shoddy work…or no work at all.”

In some cases, consumers have reported calls stating the town fire department recommends the resident’s chimney be cleaned. The calls go on to recommend a particular chimney sweep and endorse their services on behalf of the fire department. Though town fire departments do recommend having chimneys cleaned on an annual basis, they do not endorse any particular company or inspect chimneys. Many scam artists are targeting the elderly, making vague, unclear phone calls claiming they have done business in the past and it is time for their annual sweep.

Scam artists are also advertising at a much lower price than legitimate businesses. Typically, a professional chimney sweep will charge between $150 and $200 for the cleaning of one chimney shaft, whereas scam artists are charging as little as $50. BBB advises that if a price sounds too good to be true, it usually is.

Many scam artists use a low price tactic to get in your door, at which point they recommend additional work be done immediately, bullying the consumer into a much more expensive bill. If the price you are quoted is significantly lower than that of other businesses, it should be viewed as a red flag.

BBB suggests consumers do their homework before hiring a chimney sweep and inviting them into the home. Additionally, check with your local fire department and with the Chimney Safety Institute of America (csia.org).

BBB recommends using these helpful tips when hiring a chimney sweep:

Check out a chimney sweeping business at bbb.org. Always check with BBB for a trusted chimney sweeping business in your area. Are they an Accredited Business? Do they have any outstanding complaints?

Find out how long they have been in business. How long have they operated in your area? Find out if they offer current references, or if you know anyone who has used their services in the past.

Ask if they have a valid business liability insurance policy. In the event of an accident, this policy keeps your home and belongings safe.

Find out if any employees are certified through CSIA. Though this is not law, it is recommended by the fire department, and speaks to the qualifications of the individual or business you hire. CSIA is a national nonprofit agency with a certification program for chimney sweeps and certification is required of members of the National Chimney Sweeping Guild.

For more tips you can trust, visit bbb.org.

Don’t be left in the dark: BBB warns of scams after the storm

11/1/2011

Posted on 11/1/2011 by
Power is still out across much of Massachusetts following the snowstorm last weekend. BBB warns consumers to take necessary safety precautions and to be aware of potential scams surrounding door-to-door contractors who claim to work for your electric company.

"After major weather related events, we hear numerous reports of folks being victimized again, not by Mother Nature, but rather at the hands of untrustworthy people who see this as a money-making opportunity," said Paula Fleming, BBB Spokesperson. “Some of the most common post-disaster scams involve home repairs, clean-up efforts, heating and cooling equipment and door-to-door contractors.”

BBB has recently been alerted to such a scam – an unscrupulous individual is going door-to-door in neighborhoods that report widespread power outages. This person claims to work with the electric company and offers to restore power to the home for a $200 fee. BBB warns home owners to be wary of anyone who comes to your door offering services. Be sure to always check their identification before letting them in to your home. When in doubt, call your power company directly with questions.

BBB offers the following advice for dealing with the aftermath of a storm:

Be suspicious of door-to-door workers, especially those who use scare tactics to get the job. Always ask for identification. Don’t be pushed into a decision you are uncomfortable with.

Prepare a written agreement with anyone you hire. It should delineate the work to be done, the materials to be used, and the price breakdown for both labor and materials. Review it carefully before signing. Never pay for all repairs in advance, and don’t pay cash.

Always shop around for major repairs, and always get a Business Review from your BBB. If you have a problem with a business’s work, report it immediately to your Better Business Bureau, by telephone or through our website boston.bbb.org.
References at least a year old should be requested. It may seem impossible to travel to an unaffected area to inspect references after a disaster, but remember the time spent will be minor in comparison to the possibility of living with inferior repair work for years.
Review all documents before signing a contract or making a payment.

For more information about the latest scams, visit bbb.org.

Don't Get Spooked by Halloween Stores and Websites

10/24/2011

Posted on 10/24/2011 by
Halloween is the second largest commercial holiday in the nation, second only to Christmas. According to the National Retail Federation, more consumers are expected to celebrate Halloween this year than ever before and spending is estimated to reach $6.86 billion.

The BBB advises consumers to use caution when shopping with seasonal stores and fly-by-night websites for costumes and other merchandise. Nationwide, the BBB received 378 complaints about costume stores and websites last year. The complaints included deliveries that were late or never arrived, poor quality and difficulty obtaining refunds. Some customers found the stores closed when they returned to report a problem.

““A costume may look cute and the price may seem right, but it pays to check into a site’s reputation and consider return policies and shipping schedules before placing an order online,” said Paula Fleming,vice president of communications & marketing for the local BBB."

The BBB offers these tips to help you avoid being haunted after Halloween is over:

Location. If you're interested in trying a new or unfamiliar online merchant, ask the company for its physical location (address and phone number) so you can check its BBB Business Review at bbb.org.

Customer satisfaction policy. Determine the company's refund and return policies before you buy. If online companies can’t offer concrete commitments on how they will handle any potential problems you may have with their products or services, reconsider doing business with them.

Leave nothing to chance. Be sure you have a thorough understanding of everything involved before placing an order. Be clear on the price and any shipping and handling charges. Know the terms of any product or service guarantees. Find out how long it will be before you receive your order. Federal law requires that goods and services be delivered within 30 days, unless a different delivery period is specifically stated by the merchant.

Guard your personal information. Only provide your credit card number online in a secure environment. Look for the prefix “https://” in the URL box listing the website’s address to be sure that the site you are using is secure.

Ask how long a store will operate. If you’re buying from a seasonal store, ask them whether they will be open after the holiday and whether they will accept returns when the season is over. If not, consider buying elsewhere or taking more time to be sure the item is exactly what you want before making the purchase.

BBB Advises Business Owners to Secure Their Online Banking

10/18/2011

Posted on 10/18/2011 by
October is National Cyber Security Awareness Month and Better Business Bureau is advising business owners to protect their identity when using online banking.

Online banking is a great tool to help small businesses quickly and conveniently track financial information, as well as pay their bills and employees. However, data thieves are now targeting small business owners — and their employees — to get access to their online banking credentials and accounts so that they can make unauthorized money transfers. A small business can protect itself against increased liability on its financial transactions by using strong procedures to secure the credentials they use to access their bank accounts.

“In this day and age when practically everything is done on the Internet, it’s extremely important to take the necessary precautions,” said Paula Fleming, spokesperson for local Better Business Bureau. “Not only are your business’ financials at risk when you don’t secure your banking, but your employees records could be compromised, too.”

BBB recommends the following guidelines to help you protect the computers you use to access your bank accounts and your online access credentials.

Initiate a "dual control" payment process with your bank and employees. Ensure that all payments are initiated from your bank accounts only after the authorization of two employees. One employee will authorize the creation of the payment file and a second employee will be responsible for authorizing the release of the file. This process should be in place regardless of the type of payment being initiated-including checks, wire transfers, fund transfers, payroll files, ACH payments, etc.

Have dedicated workstations. Restrict the use of certain workstations and laptops to be utilized solely for online banking and payments, if possible. For example, a workstation or laptop used for online banking should not be used for web browsing or social networking.

Use robust authentication methods and vendors. Make sure your financial service providers allow for "multi-factor authentication." This means that you need more than just a username and password to access your account.

Update virus protection and security software. Ensure that all anti-spyware, anti-malware, and security software and mechanisms are robust and up-to-date for all computer workstations and laptops used for online banking and payments. Implement a process to periodically confirm they remain up-to-date. Security patches are often available via automatic updates.

Reconcile accounts daily. Monitor and reconcile accounts daily against expected credits and withdrawals. If you see any kind of unexpected activity on your account, notify your financial institution immediately.

For more tips on data security, visit bbb.org/data-security.

Guide to Gift Card Giving: BBB Advice for Purchasing Valuable Gift Cards

10/6/2011

Posted on 10/6/2011 by
With the holiday season right around the corner and the economy putting the squeeze on budgets, many shoppers are going to be looking for the best gift options this holiday season. For those looking to give gift cards to family and friends, BBB is recommending that you do your research before purchasing a gift card.

So far, in 2011, BBB has already received more than 440 complaints against the gift card industry, a huge increase from the 33 complaints received in 2010. In some cases, consumers are disgruntled when they are given an expired gift card with loaded cash that isn’t usable until the expiration date is corrected. After sending the expired card in for replacement, the consumer is left empty handed when the card fails to ever return to them.

“Consumers need to be on the lookout for gift cards that appear to be ‘open’ or out of their original package, and cards that state an expiration date that is coming up or that has passed,” said Paula Fleming, vice president of the local BBB. “Shoppers should be wary of online auction sites that promise ‘full value guaranteed’ gift cards. It’s sites like these that are prone to selling old, valueless cards that leave the gift giver and receiver distraught.”

BBB recommends the following tips for both givers and receivers of gift cards:

Know the rules. New federal rules that took effect in August of 2010 are designed to protect consumers, and will restrict fees and affect gift card expiration dates. These new rules apply to two types of cards: Retail gift cards, which can only be redeemed at the retailers and restaurants that sell them; and bank gift cards, which carry the logo of a payment card network like American Express, Visa, or Mastercard and can be used wherever the brand is accepted.

Check it out. Make sure you are buying from a known and trusted source. Always check out a business at bbb.org. Avoid online auction sites, because the cards sold there may be counterfeit or may have been obtained fraudulently.

Read the fine print before buying. Is there a fee to buy the card? Are there shipping and handling fees for cards bought by phone or online? Will any fees be deducted from the card after it is purchased?

Inspect the card before buying it. Verify that no protective stickers have been removed, and that the codes on the back of the card haven’t been scratched off to reveal a PIN number. Report any damaged cards to the store selling the cards.

Provide the receiver with back up. Give the recipient the original receipt in case the card is later lost or stolen. Also, before you buy retail gift cards, consider the financial condition of the retailer or restaurant. A card from a business that files for bankruptcy or goes out of business may be worthless. If the business closes a store near the recipient, it may be hard to find another location where the card can be used. A business that files for bankruptcy may honor its gift cards, or a competitor may accept the card. Call the business or its competitor to find out if they are redeeming the cards, or if they will do so at a later date.

Treat the gift card like cash. For receivers, it’s important to report lost or stolen cards to the issuer immediately. Some issuers will not replace cards that are lost or stolen, while other issuers will, for a fee. Make sure to use gift cards as soon as possible, because it’s not unusual to lose or forget about them.

For more consumer tips you can trust, visit bbb.org.

BBB Warns of Yellow Page Scams being Run by Local Operations

10/3/2011

Posted on 10/3/2011 by
BBB is warning of a Yellow Pages Scam that is being run by four local operations. One is located in Vermont - Business Solutions Online, and the other three operations are located in Massachusetts - Open Business Directory Limited, Official Yellow Guide Inc. and Yellow Page Solutions. Businesses throughout the country are receiving fraudulent invoices from these operations for unauthorized online advertising.

“BBB encourages businesses to carefully read any bill or invoice they receive before paying it,” says Paula Fleming, BBB Spokesperson. “Don’t provide your business information or a payment if you do not remember requesting the service. Thoroughly check out any organization that sends you a bill, especially if you believe the services were unauthorized.”

The Federal Trade Commission (FTC) has recently uncovered several operations that were running previous Yellow Page listing scams. Several small businesses, non-profits and churches in Colorado were bilked out of millions of dollars after being tricked in paying for unwanted listings in online business directories by Yellow Pages BV. The FTC seeks to permanently stop these illegal practices and to require that the organization refund their victims.

The operations in Massachusetts and Vermont have had several complaints filed against them by businesses regarding billing or advertising issues. Business Solutions Online is located in Derby Line, Vermont and has an F Rating with BBB. They are also listed at the same address under the name Business Network Power Online Services. There are 22 complaints filed against this entity, several of which are unresolved.

Open Business Directory Ltd. is located in Boston, Massachusetts and is also known as Yellowpageusa.com. They have an F Rating with BBB, as well as 52 unanswered complaints. Official Yellow Guide Inc. is also based in Boston, Massachusetts, with a BBB Rating of F. There are 15 unanswered complaints against this operation. They are known under several other names, including Yellow Business Directory, and American Yellow Directory.

Yellow Page Solutions is located in Woburn, Massachusetts. Businesses state that Yellow Page Solutions sent them invoices for online advertising that were never agreed to. When confronting the operation about the unauthorized charges, businesses report that Yellow Page Solutions claim that a verbal contract was agreed to and if the past due amount is not paid, the business will be sent to collections.

In several cases, when businesses file a complaint with BBB against Business Solutions Online or Yellow Page Solutions, their desired settlement is a zero balance on their account. When BBB contacts these operations regarding the complaint, they state that they have audio taped receipts for the online advertising services. Upon review of the audio, the operation claims there was a ‘misunderstanding’ and agrees to terminate all fees, as well as to remove information about the business from their database.

BBB offers the following tips for businesses that receive Yellow Page solicitations or invoices:

• Look over each bill closely before paying it. If you have a question about the legitimacy of your bill, contact your Yellow Pages representative.

• Channel all invoices through one department and make sure they are cleared with the appropriate executives before they are paid.

• Bogus invoices are sometimes marked with the notice ‘This is Not a Bill”. They may also lack a phone number.

• Check the BBB Business Review on any business that has contacted you before signing anything or giving out any payments or information.

If you believe you have received a call, fax or mailing from a bogus Yellow Pages entity, file a complaint with BBB. You can also contact the U.S. Postal Inspection Service, the Federal Trade Commission or the Yellow Page Association.

For more information about scams and advice you can trust as a business owner, visit bbb.org.

How to Manage Your Business' Credit Wisely

9/30/2011

Posted on 9/30/2011 by
Whether you’re in the beginning stages of starting up your own business or looking to manage your current business’ credit more efficiently, it’s always important to stay on top of your finances. Better Business Bureau is advising business owners to follow a few simple steps to ensure the financial health of their business.

As your business starts to grow, it’s important to build a good credit record for your business that is separate from your personal credit record. Getting credit in your business’ name can help you qualify for lower rates on loans and leases, and can help protect your personal credit record — which could suffer if you have too much business debt.

“It’s never too early to start to establish a separate credit record for your business, even if your business is still in the very early stages,” said Paula Fleming, spokesperson for local BBB. “Keeping your business cards separate helps with record-keeping — many card companies provide special spending reports that can tie in with your business book-keeping software and make it easier to keep track of your business expenses at tax time.”

BBB recommends following these simple steps to manage your business’ credit:

Establish a consistent identity. Always use the same business name, address and phone number from the beginning, so it will be easy for the credit reporting agencies to keep your records in one file. Consider incorporating to legally establish a business identity that is separate from your personal identity.

Open your first accounts. Get a separate checking account for your business. Also open an account with an office supply firm or other supplier that reports the transactions to business credit reporting agencies. Make small charges and pay them immediately — before the invoice even arrives (unlike personal credit scores, you’ll get extra credit for paying before the due date).

Provide key documentation. Lenders will generally ask for your business’ tax records and earnings statements for the past few years so they can see how much you have earned in the past. And they may also ask for a business plan so they can assess your potential for future earnings. They are often interested in looking at your cash flow in relation to expenses and your total debt in relation to your earnings. Provide all of this documentation along with explanations to present the strongest case, especially if you have irregular earnings throughout the year, to prove to lenders that you expect to earn enough money to pay your bills in the future.

Apply for a DUNS number from Dun & Bradstreet, one of the major business credit reporting agencies (go to www.dnb.com). It usually takes 30 days to establish a DUNS number, or you can pay extra for an expedited account. Then make sure that the companies where you have trade accounts are reporting the information about your on-time payments to Dun & Bradstreet. It’s also a good idea to provide extra information about your business for your credit file. This is where potential lenders and others will find out about your business and the likelihood that you’ll make on-time payments for your loans, equipment leases and office leases, which will affect the terms and rates. After you have a DUNS number, open a few more trade accounts with other companies that send information to the credit-reporting agencies, make small charges, and pay those bills early, too. Check your account for errors and to make sure you’re getting credit for your early payments.

Check your business’ credit score. Similar to a credit score for individuals, a PAYDEX score distills the information in your Dun & Bradstreet credit report into one number, which shows potential lenders the likelihood that you’ll make your payments on time. These scores range from a low of 0 to a high of 100. A score of 80 to 100 generally means that you pay your bills before the due date; 50 to 79 means a medium risk of late payment (averages 30 days or less beyond the loan’s terms); and a score of 0 to 49 means a high risk of late payment

For more business tips you can trust, visit www.bbb.org/credit-management/small-business-credit/.

BBB Warns Local Businesses of a Deceptive Mailing Scam

9/27/2011

Posted on 9/27/2011 by
BBB is warning businesses about misleading mailings they may receive from Compliance Services, a business based in Boston, MA. Several states, including Massachusetts, Georgia, Ohio and Indiana, have issued warnings regarding the business’ deceptive mailings. Compliance Services has an F Rating from BBB.

“BBB encourages business owners to do some research on any solicitations they receive that ask for payment – even if the document looks official,” says Paula Fleming, vice president of communications and marketing for BBB. “Don’t provide business information or a payment until you have completely checked out the offer and organization. It is not uncommon for scammers to try and make a letter appear to be mailed from a government or state agency. Unless you read the fine print, you could easily be misled.”

Compliance Services has sent mailings to local businesses titled “Annual Minutes Requirement Statement Directors and Shareholders” and offers to complete corporate meeting minutes for a $125 fee. According to Massachusetts Secretary of State William Francis Galvin, Massachusetts corporations are not required by law to file corporate minutes with the State of Massachusetts. Any official statement or request from the Office of the Secretary of State will clearly indicate its origin and include the name of William Francis Galvin.

BBB has received complaints from local businesses regarding this scam. The mailings appear to be in a similar format as forms sent from the Office of the Secretary of State and include a Massachusetts Corporation Number. The letter will include a disclaimer in fine print stating that Compliance Services is not affiliated with any government agency, but many businesses are misled since the document looks official.

Business owners who believe that they have been victims of this scam should contact the Secretary of State at 617-727-9640 or visit www.sec.state.ma.us. You can also file a complaint with BBB and the Attorney General’s Office.

For additional information and advice you can trust as a business owner, start with bbb.org.

Back to School Cool: Three Boston Based Accredited Businesses Keep Students Fashionable

9/22/2011

Posted on 9/22/2011 by
Heading back to school after summer break means you’re spending more time in class, more nights studying and spending more money on school books. But going back to class doesn’t have to be all about learning, writing reports and taking tests – it can also signify the need of more new clothes! Better Business Bureau (BBB) suggests checking out three of their trusted Accredited Businesses if you’re in need of some new styles.

“When shopping for your back-to-school clothing items, keep in mind that there are many exciting, trustworthy online retail businesses in the Boston area,” says Paula Fleming, BBB Spokesperson. “Students can get great deals at the flash sales offered at Rue La La or mix up their styles with Karmaloop. Guys can find some unique items of their own at Ball and Buck.”

Online retail and e-commerce has become a thriving marketplace, but BBB reminds students to know who they are buying from and check out online businesses before making a purchase. Look for the BBB Seal on websites, or Check Out A Business with BBB first. Students can trust that the following three businesses have a positive track record in the marketplace:

Rue La La
An Accredited Business since 2009, Rue La La is the online destination for a life of style, inspiring its Members daily with a curated selection of coveted designer offerings at private sales prices. Rue La La has become a strategic partner to innovative brands looking for new ways to achieve their business goals. Rue La La also gives its Members exclusive access to handpicked offerings through Rue Local - everything to do, eat, and see in the best cities across the country. Rue Local is currently in Boston, San Francisco, Philadelphia, Los Angeles, Washington D.C., New York City, Seattle, Chicago and Miami.
Read more about Rue La La.

Karmaloop
Karmaloop.com is one of the world’s largest and most-respected online retailers of “streetwear” (including footwear, apparel and accessories). The company was founded by Greg Selkoe in 2000 and is headquartered in Boston, MA, with an office and TV studio in New York City. Karmaloop.com attracts more than 4.5 million unique monthly visitors, selling over 500 men’s and women’s brands to a loyal customer base spanning 45 countries. Karmaloop, Inc. owns and operates Karmaloop.com, KarmaloopTV.com, PLNDR.com, Kazbah Underground Brands, Boylston Trading Company, and owns 11 private label clothing brands.
Read more about Karmaloop.

Ball and Buck
With a retail location in Boston’s North End, Ball and Buck also has an online store. Specializing in men’s garments that are inspired by core American values, they became an Accredited Business in 2011. Ball and Buck is a lifestyle clothing brand that creates and sells their own clothing (that is 100% Made in the USA), as well as 40 other brands.
Read more about Ball and Buck.

For more advice on safe online shopping, and to see Business Reviews on thousands of online retailers, visit bbb.org.

BBB Advice for Securing Your Electronics this School Year

9/20/2011

Posted on 9/20/2011 by
As students across the nation make their way back to school, many will carry cell phones, iPads, iPods, laptops and other electronic devices everywhere from the classroom to the car. Better Business Bureau reminds students and their parents to talk about ways to keep electronics out of the wrong hands.

College campuses, cafeterias, local hang outs and even classrooms can be an easy target for those looking to snatch expensive electronic devices. Not only can thieves steal your personal property, they could gain access to sensitive information such as emails, text messages, calendars, photos and even social media network logins.

“Students need to be vigilant when it comes to securing their electronics,” said Paula Fleming, vice president of communications and marketing of the local Better Business Bureau. “Electronics are a huge investment and they shouldn’t be treated any differently than carrying around a wad of cash.”

BBB offers the following advice to students and parents on how to keep personal property safe at school:

Keep it off the floor. No matter where you are in public — a large study hall in school, a conference, a coffee shop, or a registration desk — avoid putting your electronics on the floor. If you must put it down, place it between your feet or at least up against your leg, so that you’re aware of it.

Leave it at home. In some cases, school districts may have strict policies about students bringing electronic devices to campus. Be sure to find out what is allowed while on campus and in the classroom. Also, determine if you really need your electronics during school hours or if they can wait until you get home.

Get it out of the car. Don’t leave your electronics in the car — not on the seat, not in the trunk. Parked cars are a favorite target of thieves; don’t help them by leaving your property unattended.

Don’t leave it “for just a minute.” Your classmates seem trustworthy, so you’re comfortable leaving your electronics on the table while you go outside for a break. The people at the coffee shop seem nice, so you ask them to keep an eye out while you use the restroom. Don’t leave your laptop, iPad or other tablets unguarded — even for a minute.

Use bells and whistles. Depending on your security needs, an alarm can be a useful tool. Some laptop alarms sound when there’s unexpected motion, or when the computer moves outside a specified range around you. Or consider a kind of “lo-jack” for your laptop: a program that reports the location of your stolen laptop once it’s connected to the Internet.

For more consumer tips and news you can trust, visit BBB’s news center at bbb.org/us/bbb-news.

BBB Advice on Student Security - What Every College Student Should Know

9/16/2011

Posted on 9/16/2011 by
As college students get settled on campus, fighting fraud may not be at the top of their list of priorities. College students are susceptible to identity theft, however, and Better Business Bureau recommends that they take seven simple steps to protect themselves on campus.

In 2010, 8.1 million Americans – or 3.5 percent of the population – became victims of identity theft, according to the 2011 Identity Fraud Survey conducted by Javelin Strategy & Research and sponsored by BBB. The average mean cost of identity theft is $631 and the average time to resolve identity fraud is 33 hours – valuable study time.

“Friendly fraud” accounts for 14 percent of all ID theft crimes. This means that new roommates and friends have just as much potential of being as dastardly as a foreign-based scam artist phishing on the Internet. And identity thieves – friend or foe – think nothing of dumpster diving (or rifling through unattended trash cans) for unshredded paperwork or even taking mail from unlocked mailboxes (or off a desk). They can even cruise social networking sites looking for some personal tidbit that can unlock a wealth of information elsewhere.

“In this day and age, you can’t always trust your peers,” said Paula Fleming vice president of communications & marketing with BBB Serving Eastern MA, ME, RI & VT. “It’s extremely important for students to be vigilant in monitoring bank and credit card statements to spot unauthorized activity. Sign up for security alerts on your accounts and have them sent to your mobile phone so you’ll know if any changes have been made to your account.”

BBB recommends that college-bound students take the following seven steps to fight identity theft on campus:

Send sensitive mail to your parents’ home or a post office box. School mailboxes are not always secure and often can be accessed easily in a dorm or apartment.

Important documents should be stored under lock and key. This includes your Social Security card, passport and bank and credit card statements. Shred credit card offers and any paper documents that have sensitive financial information rather than just tossing them out.

Never lend your credit or debit card to anyone. Just say no if your friend wants to borrow your card or asks you to co-sign for a loan or financing for items like a TV.

Make sure your computer has up-to-date antivirus and spyware software. Always install any updates and patches to your computer’s operating system or browser software, which help keep your computer safe from any new advances by identity thieves online.

Always check your credit or debit card statements closely for any suspicious activity. The sooner you identify any potential fraud, the less you’ll suffer in the long run.

Check out unfamiliar websites with the BBB. Look for the BBB Accredited Business seal along with other trust seals; click on the seals to confirm that they are legitimate.

Check your credit report at least once a year. You are entitled to one free report a year from each of the three reporting bureaus: TransUnion, Experian and Equifax. Look for any suspicious activity or inaccuracies. You can do this for free by visiting annualcreditreport.com.

For more information on securing your identity, visit bbb.org/us/bbb-news.

BBB Recommends doing Your Research before Driving into an Auto Repair Scam

9/13/2011

Posted on 9/13/2011 by
What do you do when your windshield wipers stop working, your left taillight burns out, and your brakes give out? Some may opt to fix the problem themselves, but many turn to the services and handiwork of auto repairmen. While most auto repairmen are honest and forthcoming, consumers need to be on the lookout for those that are trying to make a quick buck. Better Business Bureau is advising consumers to do their research before turning their car over to an auto repair service.

When your vehicle needs repairs, you don't need a crash course in auto mechanics, but you should know how to find a reliable shop and mechanic. It’s important for consumers to be on the lookout for scams like overcharging on repairs, charging for labor that was never performed, and performing shoddy work. In 2010, BBB received a whopping 12,682 complaints against auto repair mechanics. In this year alone, BBB has already received nearly 11,000 complaints.

“Many times consumers realize that they have been scammed, but they don’t have any way of proving it,” said Paula Fleming, vice president of local . “It’s extremely important to get all estimates for parts and labor in writing first before authorizing anything.”

BBB recommends the following tips to consider before turning over your car to an auto repair service:

Get a least three referrals. If you are looking for a qualified mechanic, ask friends, family and co-workers for recommendations. Be sure to check the business with bbb.org to see if there have been any complaints filed against the business. Look for shops that display certification. For major work, such as brakes, transmission or engine repair, you need to find a shop employing a specialist.

Ask as many questions as you need. Don't be embarrassed to request technical definitions. Don't rush the technician into making an on-the-spot diagnosis of the problem. Ask to be called and apprised of the problem, course of action, and cost of work before any work begins.

Get everything in writing. Before authorizing repairs, get a written estimate for parts and labor. Tell the shop to get your permission before making additional repairs. Ensure you receive notification by having the service manager write a request on the bottom of the repair order. Give phone numbers where you can be reached and before you leave, be sure to understand all shop policies regarding labor rates, guarantees, and acceptable methods of payment.

Do a walk through with your mechanic. When you pick up your vehicle, get an explanation of all work completed and get all guarantees in writing. Ask that any major new parts that have been installed be pointed out to you. Your repair bill should be itemized so if a problem occurs later, you can prove the item is covered by the guarantee.

For more consumer tips you can trust, visit bbb.org/us/bbb-news.

BBB Advice for Making "Golden" Gold Transactions

9/6/2011

Posted on 9/6/2011 by
As global markets are currently seeing rapid declines, worried investors are seeking safe havens for their funds. Many are looking to new investment plans to help their money grow. With the price of gold at an all time high of more than $1,700 per ounce, Better Business Bureau is advising consumers to do their homework before making tempting gold transactions.

Whether through an online venue, an at home “gold party,” or your local jeweler, many consumers are looking to sell their gold jewelry for some quick cash. However, not just any dealer can be trusted. In just this year alone, BBB has already received more than 500 complaints against gold, silver and platinum dealers, a number that is well on its way to reaching 2010’s 581 total complaints.

“Consumers need to be on the lookout for not so reputable sellers,” said Paula Fleming, vice president of communications & marketing of your local BBB. “Many of the complaints we receive stem from false advertising and delivery issues where the consumer ends up being appraised far less than what they thought their gold was worth.”

BBB recommends following these tips to ensure a “golden” gold transaction:
Find a trustworthy appraiser. For an appraisal, if possible, go to someone locally whom you know and trust. Always check with BBB first at bbb.org. BBB suggests obtaining two or three appraisals to compare prices, prior to any sale.

The true price of gold may not be what you receive. If gold is worth $1,700 per ounce, you aren’t going to be paid $1,700 for every ounce of gold you have. Ask what you will be paid (if an online company, make sure you ask for specifics and give details on items you’ll be sending). Understand that the ounce quote is for pure gold only. For instance, 14-karat gold is composed of just 58.5 per cent gold. Ask how much the company’s going rate is for each ounce of each karat you are sending. The lower the karat, the less the gold content.

Don’t let jewelry of different karat value be weighed together. Some dealers will weigh all jewelry together and pay you for the lowest karat value. Separate your jewelry by karat value before attending a gold party.

Don’t let anyone steal your diamonds from gold pieces. Single gold stud earrings might be worth $5 or $10, yet diamonds in the earrings can be saved. Some are too small, and the labor to remove them might exceed their value, but engagement ring diamonds, for example, should be given a value separate from the gold.

Know the terms and conditions when sending items by post. Make sure your items are insured when being shipped, so if they are lost you can recover the value. Obtain appraisals prior to mailing items, so if they are lost you have proof of their value. Check the company’s policy as to what they will reimburse if they lose your product. Many limit their liability. Make a list of the items included in the package, keep a copy for yourself, and put a copy in the envelope. Take a picture of the items you are sending, including any identifying marks.

Ask about the company’s guarantee if you are not satisfied with the price offered. Can you get your product back, if you return the check? Many companies melt down the items in 10–14 days. If you send the check back, send it “return receipt requested,” so you have proof when it arrived at the company.

BBB Advises Homeowners to be on the Lookout for Fly-by-Night Storm Chasers

8/30/2011

Posted on 8/30/2011 by
Your home and wallet may take a serious beating when a big storm like Hurricane Irene hits and Better Business Bureau is warning consumers to be wary of fly-by-night “storm chasers,” as well as fraudulent charities promising to provide relief.

Storm chasers and other door-to-door salespeople often peddle dubious deals that may cost homeowners thousands of dollars and create serious headaches. BBB recommends doing your research to avoid getting taken advantage of by untrustworthy home contractors and the like.

For those who seek to aid in relief, BBB Wise Give Alliance urges donors to check trustworthy charities before making any donations. Not only do Americans need to be concerned about avoiding fraud, they also need to make sure their money goes to competent relief organizations that are equipped and experienced to handle the unique challenges of providing assistance.

“Not only do Americans need to be concerned about avoiding fraud, they need to know that their home contractors and charity relief efforts are legitimate and honorable,” said Paula Fleming, vice president of communications & marketing for the local BBB. “It’s imperative to find a home contractor and charity that you can trust.”

When looking for a contractor you can trust and when seeking to aid to relief efforts, BBB recommends that homeowners and donors do the following:

Start Your Search with BBB. In addition to offering Business Reviews on tens of thousands of contractors—good and bad—across the US, you can also rely on BBB’s Accredited Business Locator to find trustworthy contractors in your area. BBB accreditation standards require that accredited businesses make a good faith effort to resolve disputes.
hurricane readiness

Find trustworthy charities when aiding to relief. BBB Wise Giving Alliance urges donors to make sure their donations will go to legitimate and reputable charities and relief efforts that have the capability to help those in need. Be cautious when relying on third-party recommendations such as bloggers or other Web sites, as they might not have fully researched the listed relief organizations. Interested donors should visit www.bbb.org/charity to research charities and relief organizations to verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.

Recognize the red flags. Beware of any contractor who uses high pressure sales tactics or requires full payment upfront. Also avoid contractors who require you to get the necessary permits. When looking to make a donation, be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. In response to the previous natural disasters, there were concerns raised about many Web sites and new organizations that were created overnight allegedly to help victims.

Vet the contractor carefully. Verify the business meets all state and local requirements including being licensed, insured and bonded. Also ask the business for references from recent jobs. Confirm whether or not the contractor will be subcontracting the job or relying on their own employees.

Beware of storm chasers. In the wake of a storm, fly-by-night repair businesses will solicit work, often door-to-door, in unmarked trucks. They might require advance payment and make big promises on which they won’t be able to deliver.

Seek at least three bids. Beware of low-ball estimates that may potentially balloon over time or foreshadow shoddy work to come.

Make sure everything is in writing. Make sure that the full scope of the work is explained in the contract including cleanup and disposal of waste. All verbal agreements need to be included in the written agreement. Pay close attention to the payment terms, estimated price of materials and labor and any warranties or guarantees.

For more advice on hiring home professionals and for finding a charity you can trust, visit us online at bbb.org and BBB Wise Give Alliance at bbb.org/charity.

BBB Advises Homeowners to be on the Lookout for Fly-By-Night “Storm Chasers”

8/29/2011

Posted on 8/29/2011 by
Your home and wallet may take a serious beating when a big storm like Hurricane Irene hits and Better Business Bureau is warning consumers to be wary of fly-by-night “storm chasers,” as well as fraudulent charities promising to provide relief. Storm chasers and other door-to-door salespeople often peddle dubious deals that may cost homeowners thousands of dollars and create serious headaches. BBB recommends doing your research to avoid getting taken advantage of by untrustworthy home contractors and the like. For those who seek to aid in relief, BBB Wise Give Alliance urges donors to check trustworthy charities before making any donations. Not only do Americans need to be concerned about avoiding fraud, they also need to make sure their money goes to competent relief organizations that are equipped and experienced to handle the unique challenges of providing assistance. “Not only do Americans need to be concerned about avoiding fraud, they need to know that their home contractors and charity relief efforts are legitimate and honorable,” said Paula Fleming, vice president of communications & marketing for the local BBB. “It’s imperative to find a home contractor and charity that you can trust.” When looking for a contractor you can trust and when seeking to aid to relief efforts, BBB recommends that homeowners and donors do the following: Start Your Search with BBB. In addition to offering Business Reviews on tens of thousands of contractors—good and bad—across the US, you can also rely on BBB’s Accredited Business Locator to find trustworthy contractors in your area. BBB accreditation standards require that accredited businesses make a good faith effort to resolve disputes. hurricane readiness Find trustworthy charities when aiding to relief. BBB Wise Giving Alliance urges donors to make sure their donations will go to legitimate and reputable charities and relief efforts that have the capability to help those in need. Be cautious when relying on third-party recommendations such as bloggers or other Web sites, as they might not have fully researched the listed relief organizations. Interested donors should visit www.bbb.org/charity to research charities and relief organizations to verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability. Recognize the red flags. Beware of any contractor who uses high pressure sales tactics or requires full payment upfront. Also avoid contractors who require you to get the necessary permits. When looking to make a donation, be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. In response to the previous natural disasters, there were concerns raised about many Web sites and new organizations that were created overnight allegedly to help victims. Vet the contractor carefully. Verify the business meets all state and local requirements including being licensed, insured and bonded. Also ask the business for references from recent jobs. Confirm whether or not the contractor will be subcontracting the job or relying on their own employees. Beware of storm chasers. In the wake of a storm, fly-by-night repair businesses will solicit work, often door-to-door, in unmarked trucks. They might require advance payment and make big promises on which they won’t be able to deliver. Seek at least three bids. Beware of low-ball estimates that may potentially balloon over time or foreshadow shoddy work to come. Make sure everything is in writing. Make sure that the full scope of the work is explained in the contract including cleanup and disposal of waste. All verbal agreements need to be included in the written agreement. Pay close attention to the payment terms, estimated price of materials and labor and any warranties or guarantees. For more advice on hiring home professionals and for finding a charity you can trust, visit us online at bbb.org and BBB Wise Give Alliance at bbb.org/charity.

BBB Advises Homeowners on Mold Must-Knows

8/24/2011

Posted on 8/24/2011 by
Many homeowners are looking for remedies for dealing with the aftermath of the devastating floods that have hit so many homes around the country. While a little part of the water damage picture, mold can be an ever growing, pesky problem that, if not taken care of quickly, can last forever. Better Business Bureau, along with the Environmental Protection Agency (EPA) are advising homeowners to be proactive when it comes to dealing with mold and mildew.

When looking to eradicate mold, homeowners may choose to either tackle the problem on their own or consult the expertise of a contractor. Either way, BBB advises that, it’s important for homeowners to do their research. According to the EPA’s Mold Guide, the many types of mold may begin growing indoors when mold spores land on surfaces that are wet. Mold can grow on any kind of wood, paper, carpet, and food.

“In 2010, BBB received nearly 30,000 inquires on mold and mildew eradicators,” said Paula Fleming, vice president of communications & marketing for the local BBB. “As mold can ultimately destroy anything that it lands on, it’s important to act smart and fast.”

While homeowners should always avoid handling and touching mold without wearing proper gloves, there are also many other things to keep in mind. BBB and the EPA advise homeowners to consider the following:

Know your risks and side effects. There are many health risks associated with mold and mold growth. Many may experience an allergic reaction and other respiratory complaints when mold is present in the home.

Be proactive. The EPA attests that there is no practical way to eliminate all mold and mold spores in the indoor environment. The way to control indoor mold growth is to control moisture. If you notice a leak in your shower faucet or sink, repair it immediately to avoid the ideal habitat for mold. Clean and dry any wet or damp surfaces within 24-48 hours to prevent mold growth. Vent all bathrooms, kitchens and other moisture-generating sources to reduce indoor humidity and prevent mold growth.

Choose wisely when picking a contractor. Some mold eradicators can be imposters. It’s important to check a business’ BBB Business Review at www.bbb.org before selecting a contractor. Ask for referrals from friends and family members and check with at least three contractors before deciding on one. Make sure the contractor has experience cleaning up mold. Check references and ask the contractor to follow the recommendations in EPA’s Mold Remediation in Schools and Commercial Buildings, or other guidelines from professional or government organizations.

For more tips you can trust, visit bbb.org/us/bbb-news.

Business Blogging – Why Every Business Owner Should Do It

8/17/2011

Posted on 8/17/2011 by
Between Facebook posts and Twitter tweets, it seems like there are a thousand and one ways to communicate virtually these days. However, what many in the business world overlook is blogging. Better Business Bureau is recommending that business owners consider some simple blog implementation strategies to heighten their business’ visibility on the web.

A blog dedicated to the thoughts of a business’ president or CEO or a business’ mission can serve as a meaningful way to attract potential customers – and allow business owners to establish themselves as a thought leader in their respective market(s). Business blogs can be linked from the business’ website, Facebook page and Twitter account and are a great way of sharing the longer, more thought provoking messages.

According to a recent survey by HubSpot, 57% of companies using blogs reported that they acquired customers from leads generated directly from their blog. They go on to find that businesses are now in the minority if they do not blog. From 2009 to 2011 the percentage of businesses with a blog grew from 48% to 65%.

So what’s so great about a blog? “A blog gives a president or CEO the chance to communicate in more of a dialogue-like setting with their constituents,” said Paula Fleming, vice president of communications and marketing for the local BBB. “Limited characters and space can confine a message in some settings. A blog allows for a full message to be shared and can even be catered towards targeted audiences.”

BBB recommends that business owners consider the following when implementing a blog for their business:

Heightened visibility is always a plus. When you blog, you get more eyes on your business and increase your search engine optimization (SEO).

Voicing your passion gets your customers noticing. Letting your customers see how and why your business came about and sharing what it is you love about doing what you do is a great way to make a connection with your audience. With (almost) no length limits, a blog is a great platform to share exactly what it is that makes your business different from the rest.

A blog can serve as a great networking tool. A blog is a great place to inspire your constituents and build a subscriber base. By giving your voice a platform and reaching out to other fellow business bloggers, you have the ability to establish a solid business-to-business network.

For more business advice you can trust, visit bbb.org/us/bbb-news.

“Shield” Yourself from a Cell Phone Radiation Scam

8/12/2011

Posted on 8/12/2011 by
Scammers are always looking to make a quick buck, and with consumers concerned about harmful exposure to cell phone emissions, many scammers are looking to promote “shields” that can protect from the cancer causing waves. Better Business Bureau (BBB), along with the Federal Trade Commission (FTC) are warning consumers to be on the lookout for these so-called “shields” and advising consumers to turn to free options when limiting exposure to cell phone electromagnetic emissions.

Like many other too good to be true products, there is no scientific proof that these shields are actually effective. While it is always good to protect yourself from potentially harmful emissions, there are other ways to do it besides investing in a shield for your cell phone. The FTC even notes that these so-called “shields” may even interfere with your cell phone’s reception.

“Leave it to scammers to jump on the latest scientific frenzy,” said Paula Fleming, vice president of communications and marketing for the local BBB. “It’s important for consumers to do their research before investing in any too good to be true technology. More times than not, victims will end up with a faulty product that, in many cases, doesn’t actually do any good.”

BBB and the FTC advise consumers to consider these free options for limiting cell phone electromagnetic emissions:

Go hands free. When chatting on the phone for long periods of time consider using a hands-free device, like an earpiece, or using the speakerphone feature. For the short conversations, you may even want to consider just texting the message, which allows for a quick response and keeps the phone away from your head.

Wait for a good signal. When you have a weak signal, your phone works harder, emitting more radiation. Phones also give off more radiation when transmitting than when receiving, so tilt the phone away from your head when you’re talking, and bring it back to your ear when you’re listening.

Shop around. When looking for a new cell phone, consider investing in one that has a low specific absorption rate (SAR) before you buy. Measured in watts per kilogram of tissue, the SAR reveals how much radiation the body absorbs while using the mobile device. The FCC has record of this information for phones that were made in the last two years. You can find the FCC ID number on the inside of your cell phone’s case. Legally, in the US, a phone can’t emit more than 1.6 watts per kilogram.

For more consumer tips you can trust, visit bbb.org/us/bbb-news and for more tips specific to cell phone emission, visit ftc.gov/bcp/edu/pubs/consumer/alerts/alt109.shtm.

Score a Job – Not a Scam

8/8/2011

Posted on 8/8/2011 by
Looking for a job? You’re not alone. With unemployment at a soaring rate of 9.2%, according to the U.S. Bureau of Labor Statistics, many job hunters are turning to online job boards to post their resume and search for jobs. Better Business Bureau is warning job seekers to proceed with caution before sharing their personal qualifications and inquiring about jobs found online.

As much as the Internet has made searching for jobs easier, it also provides an opportunity for ID thieves and scammers to take advantage of eager—and unsuspecting—job seekers. It’s becoming more and more common for scammers to lure in potential candidates with phrases like, “Get rich quick – without even leaving your home!” all in the hopes of getting their personal information. Craigslist, Monster.com, Careerbuilder.com and now even Facebook are all breeding grounds for scammers and the like.

“Job seekers need to be on the look out for potential scams. Before posting your resume to a career site or inquiring about a job, make sure you know with whom you are dealing,” said Paula Fleming, vice president of communications and marketing for BBB. “Many job scammers are having candidates set up direct deposit accounts as part of the application process and making it seem as though it’s naturally part of the process to get an interview—when it’s absolutely not.”

BBB advises job hunters to be on the look out for these red flags when conducting their job search:

Employer emails are rife with grammatical and spelling errors. Most online fraud is perpetrated by scammers located outside the U.S. Their first language usually isn’t English and this is often evident in their poor grasp of the language which can include poor grammar and the misspelling of common words.

Emails purporting to be from job posting websites claiming there’s a problem with a job hunter’s account. After creating a user account on sites like Monster.com, Careerbuilder.com or Craigslist.com, a job hunter might receive an e-mail saying there has been a problem with their account or they need to follow a hyperlink to install new software. Phishing e-mails like this are designed to convince readers to click a link within the message to fix the issue, but actually take them to a website that will install malware or viruses on their computer.

An employer asks for extensive personal information such as social security or bank account numbers. Some job seekers have been surprised to learn they’ve gotten a job without having to do a single interview. However, when the employer then asked for personal information in order to fill out the necessary paperwork suspicions were raised – and rightly so. Regardless of the reason or excuse given by the employer, a job applicant should never give out his or her Social Security or bank account numbers over the phone or e-mail.

An employer offers the opportunity to become rich without leaving home. While there are legitimate businesses that allow employees to work from home, there are also a lot of scammers trying to take advantage of senior citizens, stay-at-home moms, students and injured or handicapped people looking to make money at home. Job hunters should use extreme caution when considering a work-at-home offer and always research the company with their BBB first at www.bbb.org.

An employer asks for money upfront. Aside from paying for a uniform, it is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. Most recently, the BBB of Metropolitan Dallas uncovered a scam where job hunters were told they had to pay $64.50 for a background check before they could be considered for a cleaning job. Predictably, after paying for the background check, the job seeker never heard from the company again.

The salary and benefits offered seem too-good-to-be-true. The adage holds true for job offers: if the deal sounds too good to be true, it probably is. Phony employers might brag about exceptionally high salary potential and excellent benefits for little experience in order to lure unsuspecting job hunters into their scam.

The job requires the employee to wire money through Western Union or MoneyGram. Many phony jobs require the prospective employee to cash a check sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Whatever the reason though, the check might clear the employee’s bank account but will eventually turn out to be a fake and the employee is out the money he or she wired back to the scammers.

How to Stretch Your Gas Dollars this Summer

8/3/2011

Posted on 8/3/2011 by
Gasoline prices have risen well above $4.00 a gallon in most every state across the country. The average U.S. family with two drivers is now paying nearly $1,000 more annually for gas than they were just two years ago according to a recent study by research gurus, Sperling's BestPlaces. Although there are practical steps you can take to increase gas mileage, Better Business Bureau warns consumers to be wary of gas-saving claims that empty your wallet, instead of saving you fuel.

Many websites make unbelievable claims for various after market automotive devices (fuel-line magnets, air bleed devices and retrofit gadgets) and oil and gasoline additives that supposedly increase gas mileage for automobiles. The Federal Trade Commission found many of these claims to be either false or overly exaggerated.

“Summer travelers should shop around. Nowadays, many smartphones have apps specifically for finding the cheapest gas prices in your area,” said Paula Fleming, vice president of communications and marketing for the local BBB. “You may even want to consider getting a credit card that gives you cash back bonuses on gas purchases.”

Before adding any fuel savings device to your vehicle, check with your mechanic. You may end up with a voided manufacturers warranty and serious engine problems by adding after market devices to your engine.

What you spend at the pump is influenced by how you drive and what type of gasoline you use to fill your tank. As we reach the peak of summer travel, here are some tips on what you can do to save fuel consumption:

Choose the right octane for your car. Check your owner’s manual to find out what octane your car requires. Keep in mind that the higher the octane, the higher the price.

Keep your engine tuned. Studies have shown that a poorly tuned engine can increase fuel consumption by as much as 10 to 20 percent depending on a car’s condition. Follow the recommended maintenance schedule in your owner’s manual; you will save fuel and your car will run better and last longer.

Don’t let your engine run at idle any longer than necessary. An engine actually warms up faster while driving. With most gasoline engines, it is more efficient to turn off the engine than to idle for any period longer than 30 seconds.

Drive more efficiently. Stay within the posted speed limits. The faster you drive the more fuel you use. Set your cruise control on highway trips. This can help maintain a constant speed and, in most cases, reduce your fuel consumption.

Keep your tires properly inflated and aligned. Automobile manufacturers must place a label in the car stating the correct tire pressure. If the label lists a psi (pounds per square inch) range, use the higher number to maximize your fuel efficiency.

Anticipate the driving condition. Driving smoothly and steadily makes the best use of your fuel. If you can, avoid sudden acceleration or braking.

Change your oil and replace air filters regularly. Clean oil reduces wear caused by friction between moving parts and removes harmful substances from the engine. Your air filter keeps impurities in the air from damaging internal engine components.

For more consumer tips you can trust, visit bbb.org/us/bbb-news.

Be "Quick" and Keep Your Business Savvy and Up to Speed with QR Codes

7/26/2011

Posted on 7/26/2011 by

Quick Response codes, or QR codes for short, are popping up everywhere these days. From magazine ads to store windows, QR codes are the fastest way to get your tech-savvy customer to your business’ website. BBB offers some “quick” tips for businesses considering implementing Quick Response (QR) codes for their business.

So what is a QR code, exactly? These 2 dimensional barcodes, which originate back to circa 1994, aren’t exactly new, but are now being used in fun, innovative, business savvy ways that are luring in customers from around the globe.

By simply downloading a QR reader app for free, a QR code can be read quickly by your smartphone. Think of a barcode that can store much more data than you can imagine. Now think of all the places you can put such a small branding – the possibilities are (almost) endless. A business can use a QR code to show information such as directions to their business, their company’s BBB Business Review or even a URL that the viewer can click to receive a coupon. You can even put a QR on your business card with a link in the QR that takes the recipient directly to your website. Or add a QR that contains your contact information making it easy to add that info to a cell phone.

“QR codes are a fun way to attract customers to your business’ website or promotion,” said Paula Fleming, BBB Spokesperson. “You can get creative by placing the QR code in your email signature, allowing the viewer to go directly to your website. Or you can even have the code contain contact information, making it easy for the viewer to add it to his or her own cell phone.”

So what are other ways to use the code? And are there any risks? BBB offers the following “quick” tips to businesses who are considering a QR code:

Where to display? Many businesses are turning to the windows of their store, paper advertisements, business cards, email signatures, shirts, mugs, ties and other products to display their businesses’ QR code. Some businesses are even using the codes for promotional contests allowing for a creative way to reveal the customer’s prize.

How do you generate your own QR code for free? Many sites offer a free QR generator that spits out an easily copied code that can be used as a template for all of your QR code needs.

Are there risks? Just like with any other website, you should never use a QR code that will link to a website that you don’t trust. Make sure that the website is reputable and that the QR code is found in a trustworthy place. Like any other malicious website, QR codes can potentially direct you to a harmful website that can ultimately lead to a virus infiltration on your smartphone.

For more consumer and business news you can trust, visit www.bbb.org/us/bbb-news.

Scam Alert: BBB Warns of an Email Phishing Scam

7/21/2011

Posted on 7/21/2011 by
The Better Business Bureau is warning consumers about a new email scam designed to steal your money. Be on the lookout for an email claiming to be from someone you know who is stuck in another country. They are asking you to give them a loan to pay for their hotel bills and airfare home and request that you respond via email.

“This is yet another phishing scam,” said Paula Fleming, BBB Spokesperson, “all the scammers are doing is using a new ‘hook’ to lure you into wire transferring money to them.”

This email scam will come from someone who you have corresponded with via email before, but their email address may be different. All personal information or signatures within the email will be the same. This is a type of phishing scam, where thieves send emails that appear to be from a trusted contact and try to trick you into providing personal information or sending large sums of money via wire transfer.

If you reply to the email, you will be asked to wire transfer money or to provide your bank account or credit card numbers. The scammer may also reply back with a link where you can supply this information. Do not click on links within scam emails, your computer will almost certainly be infected with malware or spyware viruses that can help the scammers find enough information on your computer hard drive to steal your identity.

The BBB has some simple advice to keep you safe:

If you receive an email from someone you know who says they are in trouble, contact that person directly with the number or email address that you have for them.
NEVER click on links contained in emails you receive from someone you don’t know, even if the email looks real.
NEVER give out personal information over the telephone or online to someone you don’t know.
Make sure your computer has up to date, anti-virus software because new scams are created every day.
When in doubt, check it out with the BBB. It’s fast, easy and FREE to check on companies out at bbb.org.

For more information the latest scams, please visit bbb.org.

Is Retirement in your Future?

7/19/2011

Posted on 7/19/2011 by
Having an alternate plan for retirement is becoming the norm today. With the changes in retirement rules and the fact that employees are cutting back on what they contribute to an employee’s retirement, consumers now realize they must take more personal responsibility for their retirement finances. In this economy, how do you go about making sure you will have the finances needed for a secure retirement?

According to the U.S. Department of Labor (USDOL), fewer than half of all Americans have calculated how much they will need to save for retirement. While it’s important to plan, it’s also important to set realistic, achievable goals. Know your options and ask questions. Set aside time to talk with your employer about retirement plans. Your employer may offer benefits like 401(k) plans which allow for an immediate tax deduction growth on your savings.

“While earlier generations of retirees relied on employer provided pensions, today’s workers will need to rely on their own work-related and personal savings for retirement,” said Paula Fleming, BBB Spokesperson. “That’s why it’s extremely important to have an alternate plan and save as much as possible.”

BBB and USDOL recommend that consumers consider the following to ensure a more financially comfortable retirement:

A penny earned is a penny saved. Start saving now and continue to stick to your savings goal, it’s never too late to start saving. Make a budget and use it! Saving can be fun if you think big and realize how much it will pay off when the times comes to retire.

Be realistic about your retirement needs. According to the USDOL, experts estimate that you will need about 70 percent of your preretirement income – lower earners, 90 percent or more – to maintain your standard of living when you stop working. The average retiree is in retirement for 20 years of their life. Plan ahead and familiarize yourself with how much you will need after factoring in Social Security and other sources of retirement income.

Take advantage of your employer’s retirement savings plans. While more and more companies are becoming less generous with retirement benefits, some still allow you to contribute to a 401(k) plan. If it’s offered, participate. There may even be a chance that your employer matches a percentage of your contribution. If your employer doesn’t offer a plan, consider investing in a traditional IRA or Roth IRA. You can put up to $5,000 a year into an Individual Retirement Account (IRA); you can also contribute even more if you are 50 or older.

Don’t stir the pot. Avoid touching your retirement savings if at all possible. If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.

For more financial tips you can trust, visit www.bbb.org/us/bbb-news.

Don’t Fall Victim to Unexpected Cell Phone Data Charges when Traveling this Summer

7/11/2011

Posted on 7/11/2011 by
Nowadays, cell phone users are surfing the web, receiving emails and watching movies all on their smartphone with just the click of a button from just about anywhere. However, when traveling abroad, many consumers fail to recognize that their data plan is constantly in use even when they think their phone isn’t. Better Business Bureau is advising consumers to either turn off their phone or make the necessary data arrangements with their cell phone provider to avoid thousands of dollars in of data charges while traveling abroad this summer.

Last year alone, BBB received more than 27,000 complaints against the cell phone industry, some of which were from customers who were unaware that their data was still in use as they traveled outside of their coverage area or outside of the United States. One particular customer was charged more than $1,200 when his cell phone auto received his emails daily during a one week stay in Jamaica.

According to the Federal Communications Commission (FCC), “roaming” is the term that describes a wireless phone’s ability to make and receive calls outside the home calling area under your service plan. When your phone is roaming, an indicator light on your phone may display the word “roam.” On occasion, your handset will not display a roaming indicator, even though it is in a roaming area. Before traveling abroad or out of your coverage area, it’s important for consumers to be proactive and contact their provider for specific details regarding their individual data and roaming plan.

“While the international roaming charges may vary from provider to provider, many of the fees can come as a surprise to travelers,” said Paula Fleming, Vice President of Communications and Marketing at Better Business Bureau. “To prevent the unexpected roaming charges, contact your cell phone provider to clarify where you are covered and the data plans that can be purchased when traveling abroad.”

BBB advises consumers to do the following with their cell phone and cell phone provider in preparation for a trip abroad this summer:

Turn off your phone. If you don’t need your phone and don’t plan on using it while traveling abroad, turn it off. Some travelers opt for renting or buying international cell phones. Many rental plans offer services that work in several countries and may provide free incoming calls.

Contact your cell phone provider. Many cell phone users know not to make calls or send text messages while out of their coverage area or abroad, but many fail to realize that their data is in use even when they don’t think it is. For the occasional traveler, who doesn’t talk on the phone that frequently, it may be worth looking into an international add-on plan. Your cell phone carrier can provide specific tips that cater to the roaming needs of your individual cell phone and data plan.

Invest in a prepaid SIM card. For the frequent, chatty travelers, or long-term travelers, investing in a prepaid SIM card may be the best way to cut costs. With access to a local phone number, you’ll be able to make phone calls at the country’s local rate. Always check with BBB before choosing an international service provider. Many companies offer SIM cards that can be purchased and can include free incoming calls originating from anywhere in the world.

For more travel tips you can trust, visit www.bbb.org/us/bbb-news.

Summer Months Bring Highest Rates of Burglaries - Is Your Home Secure?

7/5/2011

Posted on 7/5/2011 by
The summer months are the perfect time for a vacation getaway. Unfortunately, they are also the perfect time for a home robbery. According to the FBI, the summer months of July and August have the highest rates of burglaries. Better Business Bureau is advising homeowners, who are looking to secure their property this summer, to do their research when picking a home security system.

According to an Academic Study of Home and Business Security by Temple University, the Electronic Security Association (ESA) says that homes without security systems are about 3 times more likely to be broken into than homes with security systems. (Actual statistic ranges from 2.2 times to 3.1 times, depending on the value of the home.) Losses due to burglary average $400 less in residences with security systems than homes without alarm systems.

Although no system makes your home completely burglar-proof, a home security system can reduce your chances of being burglarized and give you some peace of mind. In 2010, BBB received nearly 25,000 inquiries from customers asking about burglar alarm systems.

“It’s important to investigate the purchase of a home security system with the same care you would any major purchase,” said Paula Fleming, BBB Spokesperson. “There are too many door-to-door salespeople selling home security systems out there that don’t always have your best interest at heart.”

BBB advises consumers to do the following when looking to invest in a home security system:

Choose a professional installer. The best home security system will accommodate your lifestyle and specific valuables you want protected. Carefully consider your security requirements and budget. You may also get recommendation from the insurance company that covers your home. Deal only with reputable firms and check out the company with BBB first.

Contact at least three companies before selecting an installer. Find out if they are properly licensed in your state and if they screen employees before hiring. Make sure to check with the ESA website for a list of member companies throughout the United States who have agreed to abide by the National Code of Ethics.

Ask about all charges up front. Prices for home security systems will vary, based on the level of protection and type of technology used, so be sure to compare apples-to-apples bids on similar systems. Do not forget to factor in the initial installation charge, as well as monthly monitoring charges. Also, talk to your insurance agent; some systems may qualify you for a discount on homeowner's premiums.

Know the ins and outs of your contract. If your alarm system will be monitored, either by your installing company or by a third-party monitoring center, find out the length of the contract. Typically, monitoring contracts are between two to five years in length. What is your recourse if you are not satisfied with the services provided? Can you cancel the contract? What are your rights if your monitoring company is purchased or acquired by another alarm company? These are the types of questions you need to consider before you obligate yourself to a long-term contract.

Insist that the installer "walk" you through your system until you fully understand how it works. This will prevent the most common problem: false alarms. False alarms are an indicator of the quality of the alarm installation and user education. Ask for a complete inspection of your property and an itemized written estimate. Review the sales contract closely to ensure you understand exactly what equipment and protection you will be provided.

For more home tips you can trust, visit www.bbb.org/us/bbb-news.

BBB Advice on Keeping Pesky Bed Bugs at Bay and Out of Your Home

7/5/2011

Posted on 7/5/2011 by
It appears that the bed bug infestation has hit homes once again. These pesky little critters are not only latching onto your beds, but to your wallets as well. Some self-proclaimed bed bug eradicators are coming into your home with the intention to only take your money and not actually rid you of your critter problem. The Federal Trade Commission (FTC) and Better Business Bureau are advising consumers on ways to ultimately prevent bed bug infestations from stepping “foot” in your home.

In just this year alone, BBB has received over 375 complaints against pest control service companies. In a recent October release, BBB recommended tips for choosing a trustworthy pest control company to banish bedbugs. This time, BBB, along with the FTC are advising consumers on ways to prevent a bed bug problem from taking over your home in the first place.

“While it may be easier said than done, it’s always important for consumers to know how to prevent and control a pest problem,” said Paula Fleming, BBB Spokesperson. “Preventing the problem, prevents the possibility of a pest control scam.”

BBB and the FTC urge consumers to be proactive when it comes to preventing bed bugs from entering your home.

Inspect, inspect, insect? If you recently purchased furniture from a secondhand store or flea market, make sure that your purchase doesn’t actually have “fleas,” or in this case, bed bugs, before bringing it into your home.

Take out the “hide” in hide-and-go-seek. Keeping bed bugs from being able to hide is important. Only enclose mattresses and box springs in covers labeled “allergen rated,” “for dust mites,” or “for bed bugs.” Make sure to periodically check for rips or openings so that you can patch them up securely. That also includes repairing cracks in plaster, loose wallpaper and any loose light switch covers and being proactive by always making sure to apply caulk to seal crevices, joints in baseboards and gaps on shelves or cabinets.

Don’t be a hitchhiker. When traveling, use luggage racks to hold your suitcases when packing and unpacking rather than setting your luggage on the bed or floor. When staying in a hotel, check the mattress and headboard before getting into bed. Keep the critters from infesting your home by unpacking directly into a washing machine. Wash all items showing bed bug stains, and dry on the highest setting for at least 20 minutes. The heat from the dryer kills the bugs. Before relaxing, inspect and then vacuum your luggage. Empty the vacuum or seal and dispose of its bag outside of your home after each use.

For more tips on choosing a trustworthy pest controller or to learn more about keeping bed bugs out of your home, visit www.bbb.org, the FTC’s consumer alert www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt194.shtm and the National Pesticide Information Center www.npic.orst.edu/pest.htm.

BBB Warns of Phony Acai Berry Weight Loss Products

6/27/2011

Posted on 6/27/2011 by
In conjunction with the Federal Trade Commission’s (FTC) recent lawsuits on acai berry weight loss products, Better Business Bureau is warning consumers to be wary of phony “news” announcements of free trial offers for online diet pills.

According to the FTC, millions of consumers are being lured to websites that imitate those of reputable news organizations. The “reporters” on these sites have supposedly done independent evaluations of acai berry supplements, and claim that their products cause major weight loss in a short period of time with no diet or exercise. In reality the websites are deceptive advertisements placed by third-party or “affiliate” marketers. The websites are aimed at enticing consumers to buy the featured acai berry weight-loss products. These fake news operations are the subject of a nationwide law enforcement initiative.

Ubiquitous deceptive online ads for the acai berry weight loss products can be found posing to be from popular outlets like ABC, Fox News, CBS, CNN, USA Today and Consumer Reports. According to the FTC, the defendants collectively have paid more than $10 million to advertise their fake news sites, and have likely received well in excess of that amount in ill-gotten commissions.

In 2010, the FTC filed an action against acai berry marketer Central Coast Nutraceuticals which has an F rating with BBB. According to the more than 2,800 complaints to the Central, Northern and Western Arizona BBB the company deceptively marketed acai berry supplements as weight-loss products, and “colon cleansers” along with a variety of refund and exchange issues.

“Fighting deceptive free trial offers online continues to be a game of whack-a-mole,” said Paula Fleming, BBB Spokesperson. “Just as soon as one company is put out of business it’s replaced by another with the same model of ripping consumers off under the guise of a no-risk free trial offer.”

“Before signing up for any free trial offer, read the fine print carefully and always check the company out with BBB. You’ll save time and money by avoiding the hassle and recurring charges of some unscrupulous offers,” added Fleming.

Additional advice on signing up for free trial offers is available at www.bbb.org/us/article/free-trial-offers--are-they-good-deals-425. Consumers who believe they have been misled by a free trial offer can file a complaint online with the BBB at www.bbb.org.

Don’t Fall Victim to High Pressure Magazine Sellers at Your Door this Summer

6/22/2011

Posted on 6/22/2011 by
Better Business Bureau receives thousands of complaints each year from consumers who have unknowingly purchased multi-year magazine subscriptions. Unscrupulous telemarketers sometimes trick consumers into paying hundreds of dollars for multi-year subscriptions to magazines they don't want or can't afford. BBB warns that deceptive door-to-door magazine sales crews are hitting the pavement and looking to earn a quick buck this summer.

Oftentimes, the door knocking presentations are so slick that consumers aren't even aware that they have bought several magazine subscriptions until they receive the bill. In 2011, BBB has already received 662 complaints about door-to-door magazine sellers and dealers, a number that’s well on its way to topping last year’s nearly 1,200 complaints. These high pressure sellers use tactics that can have anyone falling victim.

“With the summer months fast approaching, the warm weather is sure to bring an eager group of door knockers from all trades to your door,” said Paula Fleming, BBB Spokesperson. “Most complaints against door knockers selling magazine subscriptions allege that sales representatives took their check and the magazines never arrived, while some complainants also allege being subjected to high-pressure and misleading sales tactics.”

This summer, BBB recommends the following on how to handle door-to-door magazine sellers:

Listen carefully and be aware of high pressure sales tactics. Some unscrupulous door-to-door sellers will put pressure on you to close the deal at that moment, and even make special offers to entice you. Listen to their tone. Are they increasing in volume as they speak to you? Are they ignoring you despite saying you are not interested? Find a way to end the conversation quickly to avoid long, drawn-out pressure sales pitches.

Stand strong. Do not invite unsolicited salespeople into your home. If you do allow a salesperson inside and decide during the presentation that you are not interested in making a purchase, simply ask him or her to leave. If the salesperson refuses to leave, threaten to call the police, and follow through if they don’t leave immediately.

Verify the individual and the company. If you are interested in buying from a door-to-door seller, get everything in writing including price, warranty and all conditions. Tell the salesperson you will check it out and get back to him or her. Ask for a business card and contact information. Look the company up yourself and check to verify this person is an employee. Also, take the time to check out the company’s BBB Business Review at www.bbb.org.

Know your rights. The Federal Trade Commission’s Three-Day Cooling-Off Rule gives the customer three days to cancel purchases over $25 that are made in their home or at a location that is not the seller’s permanent place of business. Along with a receipt, salespeople should also include a completed cancellation form that customers can send to the company to cancel the agreement. By law, the company must give customers a refund within 10 days of receiving the cancellation notice.

Victims of fraudulent magazine sales can file a complaint with their Better Business Bureau at www.bbb.org, local law enforcement, and state Attorney General offices.

How to Build a Facebook Presence That Works to Your Business’ Benefit

6/20/2011

Posted on 6/20/2011 by
Social media has become a dominating force in the eyes of today’s consumer. From YouTube to Facebook, consumers are turning to social media sites now more than ever to get more deeply connected to a business. Better Business Bureau is advising businesses to use their Facebook presence to their advantage.

A Facebook page can serve as an eye catching way to lure in potential customers – if used correctly. Making sure that your website is up-to-date and fresh is the first step to having a solid, successful Facebook page. Don’t make the mistake of having your Facebook page serve as your only online presence. An eye catching Facebook page is a great way to complement your business’ website.

According to Human Business Works, 60% of U.S. businesses are not online in any fashion — a huge mistake in an age where most people rely heavily on search engines to find information about businesses. Investing the time and creative brain power behind your website serves as a great landing page for your Facebook link. As many have found, Facebook serves as a great way to build your fans and overall constituency and it’s important that your page’s messaging speaks volumes about the effectiveness of your business and its brand.

“Businesses can gain great insight about their consumers through their Facebook page. Looking at their responses and involvement on their page is a great indicator of the depth and to what degree they are reaching their audiences,” said Paula Fleming Vice President of Communications and Marketing at BBB. “Special graphics and applications aren’t a must, but could be considered to add a nice spice and to set the page apart from others in the business.”

BBB recommends the following to small businesses that are looking to grow their Facebook presence:

Keep your page fresh, lively and interactive. When posting to Facebook make sure to keep your audience in mind. What would they like to know and what do they need to know? Are you offering any special deals, rewards or promotions? All comments should be kept positive and sincere. Consider polling your audience with a question of the day or week to keep them engaged and feeling valued.

A picture (and video) is worth a thousand words. Make sure to keep the communication light and avoid talking at your audience. Try mixing it up by adding pictures and videos with fun,telling captions to reel in your audience.

Spread the love. By becoming fans and “liking” your business partners, vendors and sponsors, you can not only grow your own constituency, but gain more eyes on your work.

Share the wealth of knowledge. Informative postings that are in-line with your business are a great way to show your followers that you are up-to-date and keeping with the trends of the industry.

For more tips on keeping your business successful, visit www.bbb.org/us/bbb-news.

Securing Your Child’s Identity: Advice That Every Parent Needs to Know

6/16/2011

Posted on 6/16/2011 by
Hundreds of online businesses are finding inactive Social Security numbers online –most of which are assigned to children under the age of 18 who have not started using them yet - and selling them under different names to help people establish fake credit. The scheme may lead to significant debts for children that might be almost impossible to pay off. Better Business Bureau is warning parents to be on the lookout for the signs that point to their child’s identity being compromised or stolen.

For adults, last year alone, 8.1 million Americans became victims of ID theft, resulting in the loss of $37 billion, according to a 2011 report from Javelin Strategy and Research. While this number is exuberantly high, NBC TODAY reports that it becomes harder to define how many children are actually affected by identity theft because of the fact that most cases go undiscovered for years. However, an identity theft monitoring company, Debix, found an alarming 4,000 cases of tainted identities, out of only 40,000 children.

“It’s terrifying to think that your child or even unborn child’s identity could be comprised for the sole reason that they have clean record,” said Paula Fleming, Vice President of Communications and Marketing at BBB. “It is extremely important that parents take the necessary precautions to ensure the safety of their child’s precious and helpless identity.”

BBB urges parents to follow these important steps to secure their child’s identity:

Be aware of how to obtain your child’s credit report. Getting access to your child’s records is actually a different process than obtaining your own. Your child’s report cannot be obtained using the congressionally mandated free credit report website when under the age of 13 and even sometimes for children ages 14 to 18, http://AnnualCreditReport.com. For parents with children under the age of 13, the easiest way to obtain your child’s records is through Trans Union. According to NBC TODAY, if Trans Union says there is no report, odds are good that your child is in the clear. But if there is a report — or you have a specific reason to believe your child is a victim — you'll want to follow up with the nation's other two major credit bureaus — Experian and Equifax — and get a report from them, too.

Recognize the signs of trouble. Watch out for red flags that indicate there might be a problem, such as your son or daughter receiving pre-approved credit card offers or calls from collection agencies.

Know what to do if you suspect that your child has fallen victim. According to the FTC, every parent should check their child’s credit report on their 16th birthday. It’s not good to check it too often, but checking then leaves sufficient time to fix errors and activity before their child goes off to college and tries to obtain financial aid. If suspicious activity arises, parents must contact all three credit bureaus and request a report immediately. From there depending on your state's credit freeze rule, placing a credit freeze should be considered.

For more information on securing your identity, visit www.bbb.org/us/bbb-news/.

BBB Advises Consumers to Proceed with Caution before Investing in Technology Buy-Back Programs

6/13/2011

Posted on 6/13/2011 by
Today’s technology is constantly being replaced with updated models that showcase newer, cooler features. To keep up with the latest technology, many consumers are tempted by the increasing number of retailer buy-back programs. Better Business Bureau advises consumers to weigh the pros and cons of the program before parting with their money.

Typical programs come in the form of a one-time fee that is acquired at the time of the original gadget purchase. To avoid falling short of the latest technology, many consumers opt-in to a buy-back program to ensure that their gadget doesn’t fall victim to digital dust. As long as your gadget is in good condition, many buy-back programs allow you to trade-up items such as your cell phone, laptop, tablet, and television for a percentage of its current value. Usually, this credit will come in the form of a gift card that can be used toward the purchase of a newer model.

“If you are an individual that likes to stay on top of the latest and greatest technology, then a buy-back program may be for you,” said Paula Fleming, BBB Spokesperson. “But, as with anything else, you will need to do your research to find out if the program is worth the cost.”

BBB recommends that consumers weigh the pros and cons before participating in a retailer’s buy-back program:

Buy-back programs can provide a sense of insurance on your product. Buy-back programs essentially guarantee a resale value, meaning they act as insurance against loss of value. But like any insurance policy, its true value can become nominal and hard to define. Before becoming a member of a buy-back program, make sure to read the fine print. Many buy-back options have conditions and constraints that could ultimately keep you from being able to sell back your used gadget.

Remember that the interest of the retailer is usually at heart. In exchange for your old gadget, your return will come back in the form of a gift card more times than not .The plan and gift card mean you are locked into using the issuing retailer for your next technology purchase. Not to mention, that you may end up paying triple the sales tax when all exchanges are said and done. While sales tax rules vary from state to state and buy-back programs vary from program to program, you are the one responsible for paying the tax. By paying the tax once when you buy the gadget and again when you return it, and then again when you use the gift card, you could end up paying triple the tax in the end.

Gadget-buy backs are not ideal for the forgetful or the disorganized. If you haven’t saved your original receipts, power cords and manuals, you could be at a loss or your payout could be less than expected. Most buy-back programs insist that the original items be brought back to the store at the time of the exchange.

Mobile phone contracts are not covered. When you purchase a new phone and add the retailer’s buy-back program, you can resell your phone back to the retailer for the agreed upon dollar amount. But, keep in mind that even when you sell your phone back to the retailer, your cell phone provider will keep billing you for the duration of your contract.

You can compromise your identity. Before selling your electronics back to the retailer take care of your personal data. Many electronic items such as your smartphone or laptop can hold a ton of personal information. If this information gets into the wrong hands, your identity could be compromised. Be sure to fully wipe out all personal data.

You could get more for your electronic gadgets elsewhere. Reselling electronics is not new. Many consumers use sites like eBay and Craigslist to sell their gadgets. In most instances you could get more for your electronics by using these sites than opting for a retailer’s buy-back program.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news

BBB Advice on Avoiding Wedding Scams this Spring

6/7/2011

Posted on 6/7/2011 by
This spring, love is in the air as many soon-to-be brides prepare for their long-awaited wedding day. With excitement and nervousness every bride deserves to have their big day go off without a hitch. When preparing for the day of your dreams, BBB advises brides to proceed with caution when it comes to buying a wedding dress online, choosing a photographer and selecting a wedding planner.

Doing your research and asking for referrals can make all the difference in helping your special day go as smoothly as possible. Last year alone, BBB received more than 970 complaints against wedding related services. Services like wedding planners, bridal shops, car or limousine rentals, DJs, wedding photographers, florists, and jewelers all topped the list. Many of the common complaints were centered on the company’s unwillingness to honor cancellation and refund policies after a deposit had been paid.

From choosing a florist to picking out the perfect wedding gown, more and more soon-to-be brides are opting for online retailers. While most venues have the brides’ best interest at heart, it’s important to recognize the red flags before shelling out the cash.

“With today’s wedding averaging around more than $28,000, there’s not a penny left to gamble on unreliable vendors,” said Paula Fleming, BBB Spokesperson. “Before securing your wedding services and paying any upfront fees it’s important for all newlyweds to do their research.”

BBB recommends that newlyweds consider the following when planning for their special day:

Research all online vendors. When choosing to go with an online retailer for your wedding services or products start with a trusted site rather than shopping with a search engine. Search results can often lead you to unscrupulous websites or phishing scams. Also, look for the BBB seal and other widely-recognized “trustmarks” on retail websites. Click on the seals to confirm they’re valid. Confirm that your online purchase is secure. Look for the “s” after “http” in the URL or the lock symbol in the lower right-hand corner of the screen. Be sure to check the company out with BBB before doing business with them.

Review all terms and conditions. Whether you’re dealing with a company online or in-person, review all terms and conditions carefully. What is the company’s refund and exchange policy? What is their cancellation policy? What happens if the company can’t hold up their end of the bargain? Who will perform the service on your special day? Be sure you understand your rights as a consumer before doing business with the company.

Keep documentation of your order. For online orders, save a copy of the confirmation page or e-mails confirming the order until you receive the item or service and are satisfied. If you’re dealing with a company face-to-face, be sure to get all details in writing, including specific dates, products, prices, cancellation and deposit policies and signatures from both parties.

Pay with a credit card. Credit cards offer consumers the added protection of disputing any charge over $50 within 60 days of the purchase. Most established businesses accept major credit cards, so use them whenever possible, including payment for deposits Shoppers also have dispute rights if there are unauthorized charges on the card, and many card issuers have “zero liability” policies if someone steals your card number and uses it. Never wire money.

Consider purchasing wedding insurance. Wedding insurance can cover a range of prospective problems including vendor no-shows, cancellations, inclement weather, military deployment, medical emergencies, travel delays and more. Many policies start at $200 and can potentially save you thousands of dollars.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

BBB Warns That Scammers May Be Chasing Your Wallet In Light Of Recent Storms

6/3/2011

Posted on 6/3/2011 by
Your home and wallet may take a serious beating when a big storm hits and with several recent storms and tornadoes, Better Business Bureau is warning consumers to be wary of fly-by-night “storm chasers,” as well as fraudulent charities promising to provide relief.

Storm chasers and other door-to-door salespeople often peddle dubious deals that may cost homeowners thousands of dollars and create serious headaches. BBB recommends doing your research to avoid getting taken advantage of by untrustworthy home contractors and the like.

For those who seek to aid in relief, BBB Wise Give Alliance urges donors to check trustworthy charities before making any donations. Not only do Americans need to be concerned about avoiding fraud, they also need to make sure their money goes to competent relief organizations that are equipped and experienced to handle the unique challenges of providing assistance.

“Not only do Americans need to be concerned about avoiding fraud, they need to know that their home contractors and charity relief efforts are legitimate and honorable,” said Paula Fleming, BBB Spokesperson. “It’s imperative to find a home contractor and charity that you can trust.”

When looking for a contractor you can trust and when seeking to aid to relief efforts, BBB recommends that homeowners and donors do the following:

Start Your Search with BBB. In addition to offering Business Reviews on tens of thousands of contractors—good and bad—across the US, you can also rely on BBB’s Accredited Business Locator to find trustworthy contractors in your area. BBB accreditation standards require that accredited businesses make a good faith effort to resolve disputes.

Find trustworthy charities when aiding to relief. BBB Wise Giving Alliance urges donors to make sure their donations will go to legitimate and reputable charities and relief efforts that have the capability to help those in need. Be cautious when relying on third-party recommendations such as bloggers or other Web sites, as they might not have fully researched the listed relief organizations. Interested donors should visit www.bbb.org/charity to research charities and relief organizations to verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.

Recognize the red flags. Beware of any contractor who uses high pressure sales tactics or requires full payment upfront. Also avoid contractors who require you to get the necessary permits. When looking to make a donation, be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. In response to the previous natural disasters, there were concerns raised about many Web sites and new organizations that were created overnight allegedly to help victims.

Vet the contractor carefully. Verify the business meets all state and local requirements including being licensed, insured and bonded. Also ask the business for references from recent jobs. Confirm whether or not the contractor will be subcontracting the job or relying on their own employees.

Beware of storm chasers. In the wake of a storm, fly-by-night repair businesses will solicit work, often door-to-door, in unmarked trucks. They might require advance payment and make big promises on which they won’t be able to deliver.

Seek at least three bids. Beware of low-ball estimates that may potentially balloon over time or foreshadow shoddy work to come.

Make sure everything is in writing. Make sure that the full scope of the work is explained in the contract including cleanup and disposal of waste. All verbal agreements need to be included in the written agreement. Pay close attention to the payment terms, estimated price of materials and labor and any warranties or guarantees.

For more advice on hiring home professionals and for finding a charity you can trust, visit us online at www.bbb.org/us/consumer-tips-home and BBB Wise Give Alliance at www.bbb.org/charity.

This Memorial Day, BBB Warns of Scams that Target the Military

5/26/2011

Posted on 5/26/2011 by

With Memorial Day approaching, the thoughts of many Americans turn to our servicemen and women, as well as their families. Since members of the military protect us at home and abroad, BBB wants to protect them against con artists and scams.

“Too often, military service members and their families fall victim to scammers that target their unique lifestyle,” says Paula Fleming, BBB Spokesperson. “Since 2004, BBB Military Line has provided assistance to military communities with a variety of consumer related issues that are specially tailored to support their needs.”

BBB Military Line provides free resources, such as financial literacy information, access to BBB services and scam alerts for all branches of the military. BBB warns of the following scams that are directed at service members:

High priced military loans - Advertisements for loans that promise a guarantee, instant approval or no credit check will often come with hidden fees and extremely high interest rates. Remember that legitimate lenders will never guarantee a loan before you apply and any loan that requires an upfront fee is a scam!

Veteran’s benefits buyout plans - This buyout plan will offer a cash payment in exchange for a disabled veteran’s future benefits or pension payments. The cash amount is only about 30-40% of what the veteran is entitled to. These buyout plans can be structured in several different ways, so research thoroughly before signing anything over!

Fake rental properties - Stolen photos of legitimate rental properties are used in advertisements that promise military discounts and other incentives. Service members will have to pay a fee via wire transfer for security payments or a key to the property – in the end they will receive nothing.

Phony jury duty summons - A caller clams to work for the local court system and states that the service member did not show up for jury duty and now has a warrant out for their arrest. When the victim says they never got a summons, the caller will ask for a credit card number or Social Security number to clear up the matter.

Misleading car sales – Websites posting classified ads will offer false discounts for military personnel or claim to be from soldiers who need to sell their vehicle fast since they have been deployed. Upfront fees will be required via wire transfer, or the vehicle will have problems after purchase.

Expensive life insurance policies – Members of the military are often the targets of high pressured sales pitches that offer un-necessary, expensive life insurance policies. Solicitors will make false statements regarding the benefits that these policies offer.

Actively deployed troops can place an Active Duty Alert on their credit report. Doing so will minimize the risk of identity theft because creditors ad businesses cannot issue or grant credit until verifying identity. In addition, BBB recommends the following tips to avoid scams:

Do your research. Get as much information as you can about a business or charity before you pay. You can read BBB Business Reviews at boston.bbb.org.

Don’t wire transfer money to anyone you don’t know. Money sent via wire transfer is practically impossible to track. Pay by credit card whenever possible, since you can dispute charges easily.

Protect your computer. Don’t click on links within unsolicited emails. Don’t enter personal information on unfamiliar websites. Make sure that you have updated anti-virus software installed and use a firewall at all times.

Military families who want assistance in the marketplace can visit www.bbb.org/us/Military. For scam alerts, tips and other information you can trust, visit boston.bbb.org.

BBB Advises Consumers on Handling Debt Collectors—both Legitimate and Phony

5/25/2011

Posted on 5/25/2011 by
Consumers who owe money or are behind on their bills may be legitimately contacted by debt collectors to pay off debts. The BBB warns consumers, however, that phony debt collectors are lurking. In a recent release of the top complaints reported to the Better Business Bureau, collection agencies ranked 5th in number of complaints received. With more than 15,000 complaints, consumers need to be aware of the best practices for when it comes to handling debt collectors.

Debt collectors seek to reclaim funds on past-due accounts on behalf of creditors, businesses or individuals. But, sometimes the "debt collector" calling turns out to be an identity thief who is trying to get you to divulge personal or financial information, such as your Social Security, bank and credit card numbers. Oftentimes, scammers will impersonate legitimate debt collectors to illegitimately obtain financial information. These fraudulent calls can be harassing and threatening.

“Consumers need to know the red flags for fraudulent debt collectors,” says Paula Fleming, BBB Spokesperson. “If the collector refuses to reveal the name of their agency or demands that the payments be made in cash or money transfer only, consumers need to report this immediately.”

It’s important for consumers to verify the alleged debt before taking action. BBB recommends doing the following:

Request written proof. Get documentation to help determine if the callers are actually identity thieves or if a debt is actually owed. By law, a debt collection agency must provide a validation notice within five days of contacting you about the debt. Within 30 days of receiving their validation notice, send the debt collector a written request to further verify the debt details. Do not provide personal or financial information unless the validity of the debt and the debt collector has been confirmed.

Verify the legitimacy. Get the debt collector's name and contact information to research the agency further. Search on the Internet to see if they have a website or a BBB Business Review at www.bbb.org. Cross-check contact information and call them using a phone number from a public or online directory. Verify that the representative who called is affiliated with the agency.

Avoid phony calls. Be wary if the debt cannot be verified or if no documentation is received. Advise them to stop contacting you and register with the National Do Not Call Registry at www.DoNotCall.gov or 888-382-1222.

If you do not owe the alleged debt, BBB recommends doing the following:

Don't ignore the collector. It is best to respond immediately, even if you don't believe the debt is yours. Otherwise, the collector may continue contacting you or file a judgment.

Don't pay. Do not claim a debt that isn't yours or make a payment on a bill just to make the collector "go away." Even just one payment can indicate that you are accepting the full responsibility of the debt. The invalid debt could also reflect as a liability on your credit report.

Contest errors. If no debt is confirmed, contact any involved parties to clear up inaccuracies on your credit report, such as: the debt collector; the creditor or company claiming unresolved accounts; and the major credit bureaus. Write a detailed letter and include supporting documents to prove your case. The Federal Trade Commission provides additional resources for reporting errors.

Check for identity theft. If contacted by a collection agency regarding erroneous bills or debts, it could be an indication of identity theft; an imposter may be using your identity to make purchases, open accounts and obtain credit. Review your credit report to quickly identify fraudulent activity or make corrections; visit www.annualcreditreport.com for a free yearly credit report and get FTC advice for Resolving Specific Identity Theft Problems relating to debt collectors.

BBB recommends doing the following for debt you do owe:

Know your responsibilities. It is not against the law for a debt collector or creditor to contact you regarding unpaid debts. Try working with them to resolve issues. Discuss doing payment plan and request obligations in writing.

Complain about abusive practices. Report harassment, threats and other violations of federal telemarketing laws to the FTC. File a BBB complaint if you believe a debt collector is acting unethically. Also, research state laws on debt collectors, which may vary.

Stop collector calls. According to federal law, a debt collector cannot continue to contact you—at work or home—if you tell them to stop. Write a letter stating not to contact you anymore. Save a copy of the letter then send the original via certified mail and request a return receipt. If a debt is owed, the collector or creditor can still take legal action to collect funds and may contact you to inform you of their action.

Seek help for debt. Try using BBB's free online program Managing Credit – Made Simpler.

Know your rights. Review the federal Fair Debt Collection Practices Act (FDCPA), which sets standards for collection agencies and prohibits abusive tactics. The FDCPA is enforced by the FTC and violations should be reported. Debt collectors:
• May not make false or deceptive claims.
• Are not allowed to make idle threats, express or implied, or use abusive or profane language.
• Should not discuss consumers' accounts with unauthorized third parties.
• May not inaccurately report credit information and pressure consumers to pay debts they do not owe.
• Must investigate the validity of a dispute over a debt.

Report Scams: Debt collection victims can file complaints with the:
1. Better Business Bureau
2. Federal Trade Commission
3. Internet Crime Complaint Center, if contacted by internet or e-mail.
4. State Attorney General's Office and other local consumer affairs agencies.
5. American Collectors Association (ACA International) processes complaints on its member debt collectors; find out if the debt collection agency is a member.

For more information on debt collection, visit www.bbb.org/us/Consumer-Tips/.

BBB and AMSA Offer Advice on Avoiding Moving Scams this Summer

5/16/2011

Posted on 5/16/2011 by
Following a few simple rules when selecting a mover will go a long way toward protecting yourself from being victimized by scams this summer, according to Better Business Bureau (BBB) and the American Moving
& Storage Association (AMSA). Chief among them: make sure you know who you’re hiring and know your rights.

May is National Moving Month, the start of the busiest time of the year for changing residences. More than 37 million Americans—or about 13 percent—move to a different home every year, according to the latest U.S. Census Bureau statistics. Every year, however, both BBB and AMSA receive complaints from consumers who have fallen prey to dishonest and often unlicensed moving companies. BBB received more than 8,900 complaints against movers in 2010—a five percent increase over the previous year—primarily about damaged or lost goods and final prices in excess of original estimates. In a too-frequent worst-case scenario, the moving company holds the customer's belongings “hostage” and requires potentially thousands of dollars to unload the van.

One particularly-egregious complaint last year involved a consumer who hired a moving company found on Craigslist. A-1-A Jay's Way Moving quoted a reasonable price of $80 per hour. It wasn’t until they arrived at the new apartment that A-1-A Jay’s Way Moving upped the price to $800 – practically doubling the quoted price. Demanding the payment in cash, A-1-A Jay’s Way Moving refused to unload the belongings and threatened that the furniture would be taken to storage, leaving the consumer no choice but to pay the drastic difference in price. BBB discovered that the company did not have its required licensing as a household mover with the Federal Motor Carrier Safety Administration (FMCSA). A-1-A Jay’s Way Moving did not respond to the complaint.

"Because anyone with a truck and a website can claim to be a mover, our industry is plagued by con artists who don’t adhere to standards for honesty and ethical conduct," said AMSA President and CEO Linda Bauer Darr. "When it comes to such an important decision, you can prevent a lot of headaches by checking on a company in advance to identify which put customer service and integrity first. For interstate moves, that means an AMSA-certified ProMover."

"Checking a mover's credentials is critical and easy. Last year alone, consumers relied on BBB more than one million times for finding a trustworthy mover," said Paula Fleming, BBB Spokesperson.
"When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that has a good rating with BBB."

BBB and AMSA offer the following checklist for finding a trustworthy moving company:

Research the company thoroughly. While state regulations vary, all interstate movers must, at minimum, be licensed by the federal government and are assigned a motor carrier number you can verify on FMCSA’s website, www.protectyourmove.gov. Also check the company's rating with your BBB, which maintains more than 17,000 Business Reviews on movers across North America. Having at least a satisfactory BBB rating is one of seven screenings AMSA relies on when authorizing its interstate mover members to display the ProMover logo, the sign of a quality, professional mover which has pledged to abide by the organization's Code of Ethics.

Get at least three written in-home estimates. No legitimate mover will offer to give you a firm price online or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer which can cost you more in the end.

Know your rights. Research your rights as a consumer with either FMCSA for interstate moves or the state in which you reside for moves within that state. Also, enlist the help of BBB or local law enforcement if the moving company fails to live up to its promises or threatens to hold your belongings hostage. FMCSA requires interstate movers to offer arbitration to help settle disputed claims.

Consider getting full value protection. It may cost a few dollars more up front, but it can provide some peace of mind and eliminate a headache after your move. Investing in full (replacement) value protection means any lost or damaged articles will be repaired or replaced, or a cash settlement will be made to repair the item or to replace it at its current market value, regardless of age. It’s important to note that the required minimum coverage of 60 cents per pound would not cover the replacement cost, for example, of a flat panel TV if damaged in transit.

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer website, www.moving.org; and the U.S. Department of Transportation's site, www.protectyourmove.gov. To research a mover or find your nearest Better Business Bureau, visit www.bbb.org

Helping Small Business Owners Manage Credit Wisely

5/16/2011

Posted on 5/16/2011 by
In an important contribution to National Small Business Week, Better Business Bureau and Capital One Financial Corp. have partnered to create a unique set of free resources to help small businesses learn how to effectively use and manage their credit. Recognizing that not every credit cardholder is the same, BBB and Capital One are pleased to announce the addition of a new free online Guide with tips and useful advice to help meet the unique credit and money management needs of small businesses.

“Faced with the realities of the economic downturn, millions of small
businesses have been forced to take a second look at their finances,
including examining their spending habits and how they use credit,” said
Stephen A. Cox, President and CEO, Council of Better Business Bureaus.
“Regularly examining your business’s finances, including how and why you
use credit, is important. BBB’s Managing Credit – Made Simpler provides
easy-to-follow tips, checklists, and advice compiled to help small businesses better handle and successfully build their business’s credit record.”

Most small business owners understand the need to manage credit
effectively, however there is no “one size fits all” model of how to do it.
Managing Credit – Made Simpler provides a clear set of guidelines that will
help them make wise decisions on their small business credit and identify
strategies to help small business owners take charge of their business’s
financial condition.

“Used wisely, credit can be an invaluable tool. Small business credit cards
can provide much-needed cash flow, and many business cards offer special record-keeping resources and valuable rewards programs that really make a difference,” said Rajsaday Dutt, Senior Director, Capital One’s Small Business Card division. “Armed with basic information about credit, including understanding of card agreements and knowing what's expected of business cardholders, small business owners can make better choices about how they’re using their cards. Our goal is to empower small business owners to take control of their finances and benefit from card features that can really work for their business.”

The new guide, Managing Credit — Made Simpler: Small Businesses, is
available at www.bbb.org/credit-management and includes practical advice and checklists to help small business owners choose the right type of card to meet their business needs. The guide outlines some of the most common features, benefits, and issues to consider before choosing a card, including:

• Expense tracking. Most business cards provide expense reports that
are divided into categories and make it easy to track your spending
and report expenses for your taxes. You may be able to import the
information into your accounting and tax software.

• Higher limits. A business credit card may offer higher spending limits
than a personal card, which can help with monthly cash flow. It is also
important to separate your business from your personal expenses to
simplify reporting.

• Cards for employees. Many business cards allow multiple employee
cards on your account with pre-set spending limits, which helps build
business credibility and simplifies expense tracking and travel
reimbursement.

• Helps build your business credit record. A good history managing
a business credit card can help you build your business credit record
and improve your profile when applying for a business loan and line of
credit.

• Added protection. A business credit card may also provide travel
insurance and auto rental insurance for you and your employees.

• Special perks. The business card may offer airport lounge
memberships, concierge services, and other special benefits.

• Extra benefits. Most business cards offer rewards programs or cash
rebates.

BBB and Capital One created Managing Credit – Made Simpler to give
customized credit management guidance to different types of credit users,
based on their specific needs and perspectives. Small business owners will
now have a variety of topics to choose from that will all cater to the needs of running a successful small business. Topics include strategies to pay off
balances faster, choosing the right kind of card for your business, how to
improve a business’s credit score, strategies to leverage cash and credit, and fraud prevention guidelines.

All of the resources and guidance made available through Managing Credit –Made Simpler can be found online for free at www.bbb.org/creditmanagement/.

BBB Urges Consumers to Make Smart Solar Energy Investments

5/13/2011

Posted on 5/13/2011 by
With warm weather approaching and many consumers looking to stick to a budget when making home improvements, many are turning to green solar energy as a solution. BBB advises consumers to be smart about investing in any home improvement project.

Solar energy scams are no exception when it comes to the typical contracting scam. Fraudulent contractors prey on those who are unfamiliar with their product. They may show up at your door, advertise in local papers or deliver fliers to your home. Like the typical contracting scam, solar paneling scams can range anywhere from issues with the installation and costs to the actual solar panels themselves.

Consumers need to know how solar energy works and how the benefits will affect them before investing $5,000 to $60,000 in any solar energy products. There are many state and federal rebates that offer a reduction in the initial costs. However, consumers who opt for a “greener” remodel this spring need to be weary of the less-than-reputable and unqualified contractors that breeze into town promising a variety of “green” services at cut-rate prices. Consumers need to find an installer that is trustworthy and knowledgeable on the benefits of solar energy.

“As with any kind of home improvement contractor, consumers need to be cautious of installers that promise too-good-to-be-true offers,” says Paula Fleming, BBB Spokesperson. “It pays to look beyond the lowest bid when selecting a contractor.”

BBB recommends considering the following before investing in solar energy:

Determine if solar energy is right for you. Due to the high costs associated with the initial investment of solar power, it is important to conduct a self energy audit to determine if solar energy is right for you. Usually, if your monthly bill is less than $100, consider other ways to save energy that cost less.

Consider all the costs associated with solar energy. Ask about all the costs associated with the maintenance and upkeep of the system. Determine if the benefits and savings outweigh the costs over the long run.

Stay informed about state and federal incentive programs. Depending on your location, state and federal programs can save you as much as 50% on installation costs. Be sure to understand the terms and conditions of the incentive programs and conduct your own research prior to signing a contract with an installer. For the latest information on state programs, visit http://www.dsireusa.org/.

Be cautious of installers that promise no out of pocket costs prior to reviewing your specific situation. Be leery if an installer suggests obtaining credit for the full amount of the system even though they are promising very low or no costs due to rebates.

Make sure the roof of your home is equipped to sustain a solar panel system. Even though a properly installed solar system will not damage your roof, make sure your roof is in good condition before you begin the installation to avoid any future problems.

Understand how your solar energy works. You can take full advantage of the benefits in solar energy once you know how it works. For instance, panels facing south with no shade obstructions receiving maximum sun exposure during the hours of 9 a.m. and 3 p.m., will provide the greatest percent of energy. Significant savings occur when you have excess energy that is not consumed by your household. This excess energy can then be credited to your utility bill, saving you money.

For more advice you can trust and information you need for hiring the right contractor for your home improvement projects, go to www.bbb.org

BBB Travel Tips to Ensure a Safe and Timely Flight

5/13/2011

Posted on 5/13/2011 by
With summer just around the corner, many consumers are beginning to plan their vacation getaway. While dreaming of island sun, many travelers fail to factor in the uncertainties that come with flying, such as unpredictable weather patterns, aviation system issues, maintenance or crew problems into their travel plans. BBB, along with the U.S. Department of Transportation, are advising vacationers to plan ahead when traveling this summer to ensure safety and timeliness.

To avoid troubles in the sky, it’s important for travelers to be aware of their flight options,” said Paula Fleming, BBB Spokesperson. “With the burden and chaos that can come from a delayed or cancelled flight, it’s important for travelers to plan ahead and know their options.”

The U.S. Department of Transportation (DOT) advises consumers to be proactive when it comes to planning a getaway trip. According to Bureau of Transportation’s 2011 Statistics, 25.5 percent of all flights were reported to be not on time.

BBB and the U.S. Department of Transportation advise travelers to do the following when booking and securing their flights this summer:

The early bird gets the flight. When booking your flight, remember that a departure early in the day is less likely to be delayed than a later flight, due in part to the “ripple” effects of delays throughout the day. Also, if an early flight does get delayed or canceled, you may have more rerouting options. If you book the last flight of the day and it is canceled, you could get stuck overnight.

Know your rights with a canceled flight. If your flight is canceled, most airlines will rebook you on their next flight to your destination on which space is available, at no additional charge. If this involves a significant delay, find out if another carrier has seats and ask the first airline to endorse your ticket to that carrier. Unfortunately, compensation is required by law only when you are “bumped” from a flight that is oversold. Airlines almost always refuse to pay passengers for financial losses resulting from a delayed flight.

Secure your payment. Consider paying by credit card, which provides certain protections under Federal credit regulations. For example, in all recent airline bankruptcies passengers who had charged their fare and were not provided service were able to have their credit card company credit their account for the amount of the fare.

For more travel tips, visit bbb.org/us/consumer-tips-travel.

Leasing an Office Space That Works for You

5/12/2011

Posted on 5/12/2011 by
If your business is starting to take up more room than your home office has to give, it’s time to think about moving your business out of your house. Taking the leap and leasing a commercial office space can be a frightening prospect. But if you ask the right questions and take the time to do your research, you’ll avoid the common pitfalls.

“Choosing the work environment that’s right for you makes all the difference when it comes to your overall productivity,” said Paula Fleming, BBB Spokesperson. “An efficient work space allows for an overall efficient work ethic.”

BBB recommends considering the following when choosing a leasing space that’s right for your business:

What are your needs? Before you start your search, spend some time thinking about what you need in an office space. Don’t just consider how many employees you currently have; seriously consider your company’s growth and estimate how many employees you’ll gain over the course of a lease. The general rule for allotting space is 175 to 250 square feet of usable area per person. Also consider the common areas such as break rooms, reception area, and conference rooms you and your employees will need.

Get professional help. Finding the right commercial office space isn’t as easy as finding residential property. Chances are you’ll need a realtor to navigate you through the process of finding that perfect office space. Before you select your realtor, check out their free BBB Business Review.

Location, Location, Location. The perfect location can often depend on what kind of business you run. If you regularly expect clients in your office you’ll need a convenient, safe, location. Where is the competition located?

Consider safety and accessibility—parking, public transportation—as well as the condition of the building and the neighborhood. Will your employees be able to easily get to work?

Go ahead, kick the tires. Take a long hard look at the office space and assess the condition of the building. Office space is typically broken down into three categories, Class A, B, and C dependent on the location, age, condition, and amenities with Class A being considered the highest quality. Ask the landlord about recent improvements and upgrades as well as the condition of the AC and heating units.

Also, discuss with your landlord how much remodeling needs to be done to the office space and determine who will foot the bill. You’ll need to consider the basics such as new carpet, fixtures, and fresh paint as well as major interior renovations such as constructing new walls.

Review the lease carefully. It’s time to get out the glasses because you need to make sure you read all of the fine print of your lease. If you need help deciphering the legalese of your lease, an attorney who specializes in lease agreements can help negotiate the terms. Don’t be shy about negotiating; this is a major investment and a big step for your company and you don’t want to get locked into a bad deal.

For more business tips you can trust, visit www.bbb.org.

BBB Warns of Mystery Shopper Scam in Maine

5/12/2011

Posted on 5/12/2011 by

In today’s economy, it seems like everyone is looking to make some extra money. When looking through classifieds and online job posts, mystery shopper opportunities always seem to catch a job hunter’s eye. Better Business Bureau warns of mystery shopper scams that target people who are looking for work. A Portland, Maine business called Translucent Shoppers appears to be running such a scam.

Translucent Shoppers state that they are a service provider for the mystery shopping industry. Mystery shoppers, also called secret shoppers are people who are paid by businesses to evaluate employees, establishments and customer service. Mystery shoppers are hired by retail locations, restaurants and recreational businesses to complete typical transaction and then report on the customer service they received.

“Many unscrupulous businesses are promising job hunters employment as a mystery shopper,” says Paula Fleming, vice president of communications and marketing for BBB. “These fraudulent businesses will send the victim an authentic looking check in the mail, telling them to deposit it into their personal banking account.” The victim will then be instructed on their first assignment, which is to evaluate a wire transfer service (such as Western Union or MoneyGram). They are told to immediately wire transfer a large portion of the check they received back to the mystery shopper organization. It will take about 10 days for the check they received to bounce and the victim will have lost the large sum of money that was wire transferred.

Based on information obtained by BBB, it appears that Translucent Shoppers is running this type of scam. Victims are sent fraudulent checks, evaluation forms and a letter that mentions Better Business Bureau. The check has a routing number that is affiliated with CitiBank. While the address listed on the correspondence states that Translucent Shoppers is located in Portland, Maine, the phone numbers provided are based in Canada. According to the USPS, the Portland address does not exist.

BBB warns consumers to be wary of businesses that send checks and ask for money to be wired back. Also keep in mind that legitimate mystery shopping businesses will not require an upfront fee. Those interested in becoming a mystery shopper can contact the Mystery Shopping Providers Association at www.mysteryshop.org

For more information on mystery shopper scams or to Check Out A Business, visit boston.bbb.org.

BBB Warns of Scams in Wake of Osama's Death

5/9/2011

Posted on 5/9/2011 by
In the aftermath of the death of Osama bin Laden this past weekend, Better Business Bureau is warning consumers to watch out for a slew of cyber-scams that have popped up in the past few days.

According to Kaspersky Labs, an Internet security firm, malicious websites and links have been proliferating on Google Images searches, Facebook, and other social media sites.

On Facebook, a fake video purporting to show the death of Bin Laden prompts users to input a malicious URL into their browsers, which could infect their computer with a virus. Kaspersky also reports that other Facebook scams lure victims to malicious Facebook Pages with promises of free airplane tickets, and other “free” offers to “celebrate Osama’s death.”

Consumers and businesses should also be very wary of scams similar to the Nigerian Letter Scam circling around Osama’s death. Although each letter may contain a slightly different appeal, BBB is reporting that the latest letter has stated a "soldier" asking for assistance in transferring millions of dollars of excess money to a trustworthy U.S. citizen. To participate in the deal, the person must contact the soldier to solidify the partnership and arrange pickup of the millions.

Usually with this type of scam the victim is asked to provide their bank account number and the name, address, phone and fax numbers of their bank. Using the provided information, the con artists can then plunder the victim's bank account. Or they may try to get money directly by requesting exorbitant payments to cover transfer fees, travel expenses, taxes, or necessary bribes before the transaction can occur. Needless to say, no one has ever received the promised funds, and losses from participating in illegal foreign business deals are nearly impossible to recover.

BBB advises consumers to do the following if they feel they have fallen victim to a cyber-scam:

Think before you click. Be mindful about clicking on links that purport to show information that’s not widely available from respected news sources. In the case of Bin Laden, no photos or videos related to his death have been released. Be extremely skeptical of links that say otherwise.

Don’t fall for the not-so-free “free” offer. Be wary of free offers “celebrating” any sort of occasion, especially if the offer comes from a company or website you haven’t heard of before. Often times all it takes for a scammer to infect your computer with a virus is clicking on one bad link.

Spread the word. Discuss such scams with all the members of your family who have access to the Internet. Young people are very computer savvy, but may not be scam savvy, and older adults are specifically targeted by scammers because they are often very trusting.

Know the red flags. Watch out for grammatical mistakes in emails, letters and on websites. Poor grammar or misspelled words are red flags that the email or website is probably a scam. Most importantly, never wire money based on instructions. Scammers prey on those who think they need to wire money to have a situation resolved.

Check with BBB. BBB advises anyone receiving such a letter not to respond. Instead, send the letter to your local BBB or to the U.S. Secret Service, which is currently investigating the scam.

For more information on how consumers can protect themselves against scams, or to find reputable businesses they can visit bbb.org.
Reporters: for more information or to schedule an interview with a BBB spokesperson, contact Paula Fleming at 508-652-4855.

BBB Advice on Choosing a Driving School That’s Right for You

5/4/2011

Posted on 5/4/2011 by
While a scary but exciting time, having your eagerly-awaiting teenager soon to be behind the wheel is one that comes with lots of necessary preparation. When choosing a driving school for your soon-to-be driver, Better Business Bureau urges both parents and students to make smart, informed decisions.

A driver education course is designed to teach new drivers fundamental skills and basic knowledge about driving a motor vehicle. However, in the last two years, BBB has received more than 700 complaints against driving instruction with complaints ranging from no shows to customer service and sales practices.

“Consumers need to do their research before choosing a driving school,” said Paula Fleming, BBB Spokesperson. “Parents and students alike should check with their state’s Department of Motor Vehicles to learn more about all of the necessary requirements and to verify the driving school instructor’s license status.”

BBB recommends the following when choosing a driving school in your area:

Check it out. For information on driving schools in your area, start your search at www.bbb.org for a free BBB Business Review that will help you make informed decisions.

Ask around. Call several schools to find out about the course schedules, fees and registration procedures that they offer. Neighbors and friends can be a great resource, as well. Ask for references from previous students of the school. Remember, price is not the sole factor in choosing a driving school. You must compare instructional quality, class size and behind-the-wheel lessons.

Visit the driving school. Ask to see classrooms and if you could observe part of a course. Ask to see the course book. Is the text up to date? Are there enough textbooks for all students? The ideal course integrates behind the wheel and classroom training. Do not assume that the fastest course is the way to go.

Check the details. Find out if the school has a policy on make-up classes and refunds. Know how to file a complaint against the school and check to see how the school resolves its complaints.

For more information you can trust, visit www.bbb.org.

Save Money on Gas by Paying with Cash

4/28/2011

Posted on 4/28/2011 by
Gas prices are on the rise nationwide, which is impacting consumers and businesses alike. While there are many factors that contribute to gas price increases, should your method of payment at the pump have an impact on the price you pay?

“With gas prices going up every day, consumers are concerned about the rates their local service stations are charging,” says Paula Fleming, vice president of communications and marketing at BBB. “It is common to see a different price posted for cash sales and it is legal for gas stations to do this.”

State law allows gas stations to discount their prices for customers who pay with cash. However, when a discount is offered, the word “cash” should be included in the signage. Both cash and credit prices should be posted and clearly labeled. Guidelines for advertising and signage for the cash sale option can be obtained from each state. Contact your state Attorney General’s Office for concerns regarding price discrepancies.

There are several laws surrounding gas pricing. Gas stations must accurately display their prices and gasoline can’t be sold at any other price than the one posted at the pump at the time of sale. Competitors can’t fix or manipulate prices. Mergers that result in reduced competition are monitored by the Attorney General’s Office.

To find the lowest gas prices in your area, do some research before filling up. There are several websites like fueleconomy.gov, that help identify rates at local service stations. You can also use the BBB Accredited Business Directory to find trustworthy stations near you.

For more consumer advice you can trust, visit boston.bbb.org.

BBB Advises Internet Surfers to Use Caution When Using Wi-Fi Networks that Aren't Their Own

4/26/2011

Posted on 4/26/2011 by
Protecting your identity is important and with Wi-Fi networks popping up nearly everywhere, many consumers don’t realize the dangers that come with using a Wi-Fi connection that is not their own. According to a recent poll conducted by Wakefield Research and Wi-Fi Alliance, 32 percent of respondents said they have tried to get on a Wi-Fi network that was not their own, a startling 18 percent more than a December 2008 poll. The Better Business Bureau, along with the Federal Trade Commission (FTC), urges consumers to think ahead before surfing the Web on a Wi-Fi hotspot.

Wi-Fi hotpots like coffee shops, libraries, airports, hotels and universities are all breeding grounds for hackers. According to the FTC, new hacking tools—available for free online—make hacking easy, even for users with limited technical know-how.

Consumers should be cautious before using a non-secure wireless network and before sending personal information via unencrypted websites. When surfing on a non-secure Internet connection, an individual’s personal information, private documents, contacts, photos and even login information can be up for grabs as other users on the network have the capability of seeing what is being sent.

Paula Fleming, vice president of communications & marketing of the local Better Business Bureau, warns consumers against two popular security scams that can be associated with using an unsecure Internet connection. “Many consumers don’t realize the repercussions that come from using a Wi-Fi hotspot. Phishing, a popular e-mailing scam, and smishing, a SMS texting scam, grow exponentially when hackers obtain access to personal information on the Web via an unsecure Wi-Fi network.” BBB urges consumers to protect themselves from such scams by securing their Internet surfing.

In order to confirm that an Internet connection is secure, BBB advises consumers to follow the FTC’s top Wi-Fi tips:

• Make sure the connection is protected by a unique password. If a Wi-Fi hotspot doesn’t ask for a password, the Internet connection is not secure. If a hotspot asks for a password just to grant access, consumers should proceed as if the connection were unsecured. Only trust home and work internet connections that are protected by a customized user password. Wi-Fi hotspot connections with generic passwords are vulnerable to hackers.

• Transmitted information should be encrypted. When sending personal information like addresses, credit card numbers and Social Security numbers over the Internet, make sure the website is fully encrypted and the network is secure. Look for https (the “s” stands for secure) at the beginning of the URL address to confirm its security.

• Don’t stay permanently logged-in to wireless hotspots. Never leave your Internet connection running while your computer is unattended and make sure to log-off after every use.

• Change your passwords frequently. When creating new accounts, make sure you use different passwords. Do not use the same password for different sites. If one password is hacked, the chances of other accounts being hacked becomes greater with repeated passwords.

For more advice on security scams, visit bbb.org or to learn more about protecting your privacy online and what to do if your information is compromised, visit OnGuardOnline.gov and ftc.gov.

Complaints to Better Business Bureau Up Ten Percent Nationwide

4/11/2011

Posted on 4/11/2011 by
Arlington, VA – According to an annual report released today by Better Business Bureau, consumers filed 1.1 million complaints against North American businesses in 2010, reflecting a ten percent increase over the previous year. Consumers also turned to the non-profit more than 87 million times for help researching businesses across North America, a whopping 37 percent more than in 2009.

“The complaints filed with BBB are not only a barometer of customer satisfaction, but the rise in complaints also shows that consumers are increasingly relying on BBB for assistance in resolving disputes with businesses,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus.

The cable and satellite TV industry received the largest number of complaints with 30,985, a 5 percent decrease over last year. The cell phone industry ranked second with 27,293 complaints, but saw a 29.6 percent decrease over 2009. Rounding out the top three, new car auto dealers received 24,698 complaints, an 8.1 percent decrease over the previous year.

While the cable and satellite TV industry, cell phone industry and new car dealers received a high volume of complaints, the BBB report shows that they also have a higher rate of resolution with consumers than the average rate (78 percent) across all industries in 2010. Cable and satellite TV resolved 98.6 percent of complaints, a slight increase from 2009; the cell phone industry resolved 92.1 percent; while new car dealer companies resolved 87.4 percent of all complaints.

“Industries that do a large volume of business are naturally going to have a larger number of complaints. This is why it’s important to look at how a company responded when BBB approached them with consumer complaints, and not just the sheer number of complaints,” added Cox.

The report also reveals that the 3 million BBB Business Reviews are increasingly popular as a free tool for consumers to research the trustworthiness of businesses. BBB Business Reviews—which contain information on a businesses’ accreditation status, letter-grade rating and complaint history—were accessed more than 87 million times in 2010. The most popular industries researched with BBB are roofing contractors, general contractors and mortgage brokers.

“The services and tools that BBB supplies free of charge at bbb.org are now of more value than ever before to consumers,” added Cox. “Given the current economic climate, consumers need to be more cautious on where and how they spend their money and a fast, easy way to do this is to ensure businesses are accredited by BBB and have a good BBB rating before doing business with them.”

Following are the top 10 industries by volume of consumer complaints filed across North America with BBB in 2010:

Industry	Total Complaints	Rank by number of complaints¹	Percentage increase over 2009	Percentage of Resolved Complaints²
Television - Cable, CATV & Satellite	30,985	1	-5.0%	98.6%
Cellular Phone Services & Equipment	27,293	2	-29.6%	92.1%
Auto Dealers - New Cars	24,698	3	-8.1%	87.4%
Banks	22,648	4	-24.3%	98.5%
Collection Agencies	15,876	5	.5%	80.2%
Auto Dealers - Used Cars	14,520	6	6.1%	70.6%
Auto Repair & Service	13,178	7	3.5%	65.6%
Furniture - Retail	13,018	8	-1.1%	79.1%
Internet Shopping	12,950	9	-39.8%	61.4%
Mortgage Brokers	9,545	10	17.8%	81.0%

¹ Complaint rank is out 4,483 industries categories
² Average resolution rate across all industries for 2010 was 78 percent

For a complete industry breakdown of all complaints filed with the BBB in 2010 go to www.us.bbb.org/statistics. To learn more about BBB dispute resolution services and BBB Business Reviews, contact Kelsey Owen at 703-247-9376.

About BBB
BBB is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Business Reviews and charity BBB Wise Giving ReportsTM, and educational information on topics affecting marketplace trust. To further promote trust, BBB also offers complaint and dispute resolution support for consumers and businesses when there is difference in viewpoints. The first BBB was founded in 1912. Today, 122 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than three million local and national businesses and charities. Please visit www.bbb.org for more information about BBB.

Choosing a Credit Card for your Business

4/11/2011

Posted on 4/11/2011 by
If expense reports are piling up and you’re tired of hearing your employees complain about not getting reimbursements, it might be time to consider a business credit card. The Better Business Bureau offers advice to business owners on choosing the right credit card for your business.

According to a 2009 survey by the Board of Governors of the Federal Reserve System, 83 percent of small businesses used credit cards; 64 percent used small business cards, and 41 percent used personal cards.

It is easy to understand why small business credit cards represent a growing, competitive marketplace, and many banks and credit card companies are actively pursuing small business owners as a rich source of new partners and clients.

For small business owners, now is actually a good time to research how a business credit card can benefit operations, or to re-evaluate existing business credit card plans to take advantage of best rates and current offers in the marketplace.

“There are many ways that a business credit card can make life easier for an owner and their employees,” said Paula Fleming, BBB Spokesperson. “It can build credit history for your company, provide you with short-term loans, offer discounts with vendors, and make expense reports a thing of the past.”

Basically, there are two options for business credit cards - small business and corporate credit cards. The decision on which option to choose is based in large part on the size of the business and who is responsible for the debt.

As the names imply, a corporate credit card is for large businesses and corporations and the burden of debt typically falls on the corporation. A business credit card is intended for smaller businesses with sole-proprietors and the burden of debt is on the owner. Unless the business is producing more than $2 million annually in gross income, a corporate credit card isn’t an option.

A business credit card is very similar to a personal credit card and carries a credit limit and minimum monthly payments. Business owners and any employee who will use the card will typically undergo a credit check.

BBB offers tips for choosing and implementing a new business credit card approach:

Do your research. Many banks and credit card companies are making various offers, with some attractive perks that may fit nicely with your business needs. But offers run the gamut, so be choosy. You’ll want to find out about offers from both your local banks and national credit card companies.

Don’t get burned by special offers. As noted, there are many offers and plans available for small business owners, but pay specific attention to business credit card plans with introductory offers for 0% APR. While this may be a good option for an immediate, high-end purchase to support your business, you need to find out what the conditions for the APR are – under what conditions will it rise, and what are your options if it does rise. Beware of getting stuck with a high APR after the introductory period.

Consider the rewards. Many cards will offer perks for both you and your employees including discounts with preferred vendors and airlines, as well as rewards points.

Lay the ground rules. Make sure your employees know exactly what can and cannot be charged on the credit card. Some cards will let you adjust the credit limit on individual employee cards, as well as limit where the cards can be used.

For additional tips on managing your business’s finances, go to www.bbb.org.

BBB Warns of Phishing Email Received from Epsilon Data Breach

4/7/2011

Posted on 4/7/2011 by
Just days after millions of customers' email addresses were stolen in one of the largest data breaches in U.S. history, the Better Business Bureau is seeing one of the first Epsilon data breach phishing scams.

Phishing, a popular emailing scam, is a term coined by computer hackers who use email to fish the Internet hoping to hook you into giving them your logins, passwords and/or credit card information. If you are a customer of one of the companies that had email data stolen, BBB is warning you to be on the lookout for phishing emails.

Typical phishing scammers pose as reputable companies to fraudulently obtain your personal information. In this case, the BBB is now seeing emails being sent from a fake 'Chase Bank,' one of the companies whose data was compromised. Following suit, the email warns that ‘your account’ will be deactivated or deleted if you do not update your profile immediately. The email instructs you to update your account by clicking on the link provided.

“These hackers are looking for you to respond with vital information that can ultimately lead to identity theft,” said Paula Fleming, BBB Spokesperson. “Consumers need to know the red flags in order to keep their identity protected.”

BBB advises consumers that there could be other phishing emails shooting through cyberspace and to do the following if they suspect they have fallen victim to a phishing scam.

Never reply to the email. If the message includes a link within it, never click it. Many schemers use this as way to spread a viral attack on your computer.

Do not give personal or financial information to anyone who contacts you via email. Even if they claim they are from your bank, the IRS or a law enforcement agency, these businesses will not contact you via email; they will send you a letter.

Spread the word. Discuss phishing scams with all the members of your family who have email addresses. Young people are very computer savvy, but may not be scam savvy, and older adults are specifically targeted by scammers because they are often very trusting.

Transmitted information should be encrypted. When sending personal information like addresses, credit card numbers and Social Security numbers over the Internet, make sure the website is fully encrypted and the network is secure. Look for https (the “s” stands for secure) at the beginning of the URL address to confirm its security.

Know the red flags. Watch out for grammatical mistakes in emails. Poor grammar or misspelled words are red flags that the email is probably a scam. Most importantly, never wire money based on instructions in one of these suspicious emails. Scammers prey on those who think they need to wire money to have a situation resolved.

Protect your computer. Keep your anti-virus software up-to-date and run it regularly.

Contact the Federal Trade Commission. The FTC works to legally prevent fraudulent business practices in the marketplace. File a complaint with the FTC by calling 1-877-HELP.

A sample of the fraudulent email claiming to be from Chase Online Banking follows:

For more information about phishing scams, visit www.bbb.org.

Direct E-Cig 'Free' Offer for Smokeless Cigarettes Turned into a Real Drag, Consumers Tell BBB

3/31/2011

Posted on 3/31/2011 by
Consumers who tried to take advantage of “free” Internet offers for smokeless cigarettes say they were burned by unexpected charges that totaled $100 or more, the Better Business Bureau (BBB) warns.

Customers from 44 states have filed more than 360 complaints against Direct E-Cig of Naples, Fla., and London, England, in the last year. Ten of those complaints came from Massachusetts and Rhode Island. The highest number of complaints about Direct E-Cig have come from Texas (28 complaints), California (27), Illinois and Florida (26 each), New York (24) and Ohio (23). Direct E-Cig has an “F” grade with the BBB, the lowest grade possible and failed to answer 170 of the complaints.

“The complaints point to a significant and ongoing pattern of problems with Direct E-Cig,” says Paula Fleming, vice president of communications and marketing at BBB. “In most cases, consumers say they ordered what they thought was a free starter kit, only to find out later that the company billed their credit cards for $100, $200, or more. The cigarettes may be smokeless, but there is no question that a lot of customers felt they were watching their hard-earned dollars go up in smoke.”

On its website, Direct E-Cig calls its product “a revolutionary electronic smoking device designed as a great smoking alternative to traditional tobacco cigarettes.” The site says smokers can smoke “virtually anywhere, without the flame, ash, tar or carbon monoxide.”

Direct E-Cig is among several distributors of smokeless cigarettes. Other companies also offer free or discounted starter kits and then bill customers for the full price or enroll them in an ongoing program to receive cartridge refills and other products.

In response to some of the complaints, Direct E-Cig told the BBB its website notes that consumers must go through a cancellation process within 15 days “to avoid being billed the full price of the kit of $109.95 and future monthly shipments.” Several consumers said they received direct email solicitations from the company and never saw the cancellation policy.

Even if consumers are dissatisfied with the product and follow the return policy exactly, it appears that the so-called free trial offer will end up costing them money. The website notes that Direct E-Cig charges $7.50 for each opened or missing cartridge and a $10 restocking fee on all returns. A warning in small print on the Direct E-Cig website notes that “This product contains nicotine, a highly addictive substance. It has not been approved by the FDA as a smoke cessation device.”

The U.S. Food and Drug Administration has warned consumers about potential health risks associated with electronic cigarettes. The FDA has said the products can increase nicotine addiction among young people and may lead them to try other tobacco products including conventional cigarettes.

The BBB offers the following advice for consumers who are considering taking advantage of free or low-cost trial offers for smokeless cigarettes or other products:
• Be very cautious of committing to trial offers, especially when you are asked to supply credit card information. Often, these offers require you to pay the full price for the product or automatically enroll you in an ongoing program as soon as the trial period is over.
• Consumers often report difficulty canceling their agreements, even if they try to follow all requirements.
• Understand that, in some cases, these companies can supply your contact information to other businesses.
• Check out BBB Business Reviews by going to boston.bbb.org or by calling 508-652-4856.

Better Business Bureau Offers Advice on Finding a Tutor to Match your Child's Needs

3/18/2011

Posted on 3/18/2011 by
If your child is having a hard time learning to read, needs a hand with their calculus homework or even SAT*/ACT® preparation, a tutor may be the answer. The Better Business Bureau has advice on finding and working with a tutor to best meet your child’s needs.

While private tutors can be expensive—$30 to $70 an hour—they do offer the most tailored approach for helping your child learn. Qualifying families with limited income can receive free tutor sessions for their children as part of the No Child Left Behind Act.

A commercial learning center, such as Sylvan or Huntington, typically costs around $150 per week, paid weekly or monthly. A learning center provides a customized and specialized learning environment for your child. These programs often offer incentives for children of all ages—kindergarten to pre-college—to help make learning more fun and are typically very good about reporting on your child’s progress.

For the computer-savvy child, online tutoring usually carries a monthly fee of $35 to $130. Tutors are often available online 24-hours for kids to chat about their homework or SAT*/ACT® prep.

The BBB offers the following advice for finding and working with a tutor:

Check it out. For information on tutoring services or commercial learning centers, start your search at bbb.org for a free BBB Business Review that will help you make informed decisions.

Ask around. Get referrals from your child’s teacher; other parents and friends can be a great resource, as well.

Look for credentials. Check the tutor’s credentials and make sure they’re qualified in the subject area your child needs help with.

Schedule a meeting. Meet with the tutor and discuss measurable, specific goals to be achieved and don’t be afraid to hold the tutor and the child accountable if goals aren’t met. While a tutoring program can’t necessarily guarantee a higher SAT*/ACT ® score, a tutor can help identify problem areas and address any specific subjects where your child needs help.

Play a role. If you use a personal tutor, feel free to sit in now and then and observe how the tutor and your child are working together. Ask the tutor for advice on what you can do as a parent to help your child learn more effectively.

For more trustworthy information on issues affecting your child’s education go to bbb.org.

Tips for Giving to Earthquake Relief Efforts in Japan

3/15/2011

Posted on 3/15/2011 by
As we learn more about the 8.9-magnitude earthquake that hit near the northeast coast of Japan on Friday, the Better Business Bureau Wise Giving Alliance warns that—as occurred following the tsunami in 2004, Katrina in 2005 and the earthquake in Haiti just last year—fraudulent charities will likely emerge to try and scam donations from well-meaning Americans. BBB WGA urges givers to make sure their donations will go to legitimate and reputable charities and relief efforts that have the capability to help those in need.

“Whenever there is a major natural disaster, be it home or abroad, there are two things you can count on. The first is the generosity of Americans to donate time and money to help victims, and the second is the appearance of poorly run and in some cases fraudulent charities,” said Art Taylor, President and CEO of the BBB Wise Giving Alliance. “Not only do Americans need to be concerned about avoiding fraud, they also need to make sure their money goes to competent relief organizations that are equipped and experienced to handle the unique challenges of providing assistance.”

BBB Wise Giving Alliance offers the following seven tips to help Americans decide where to direct donations:

Rely on expert opinion when it comes to evaluating a charity.
Be cautious when relying on third-party recommendations such as bloggers or other Web sites, as they might not have fully researched the listed relief organizations. The public can go to www.bbb.org/charity to research charities and relief organizations to verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.

Be cautious when giving online.
Be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. In response to the tsunami disaster in 2004, there were concerns raised about many websites and new organizations that were created overnight allegedly to help victims.

Find out if the charity has an on-the-ground presence in the disaster impact areas.
Unless the charity already has staff in the affected areas, it may be difficult to get new aid workers to quickly provide assistance. See if the charity’s website clearly describes what they can do to address immediate needs.

Find out if the charity is providing direct aid or raising money for other groups.
Some charities may be raising money to pass along to relief organizations. If so, you may want to consider “avoiding the middleman” and giving directly to charities that have a presence in the region. Or, at a minimum, check out the ultimate recipients of these donations to ensure the organizations are equipped to effectively provide aid.

Be wary of claims that 100 percent of donations will assist relief victims.
Despite what an organization might claim, charities have fund raising and administrative costs. Even a credit card donation will involve, at a minimum, a processing fee. If a charity claims that 100 percent of collected funds will be assisting earthquake victims, the truth is that the organization is still probably incurring fund raising and administrative expenses. They may use some of their other funds to pay this, but the expenses will still be incurred.

Gifts of clothing, food or other in-kind donations.
In-kind drives for food and clothing—while well intentioned— may not necessarily be the quickest way to help those in need - unless the organization has the staff and infrastructure to be able to properly distribute such aid. Ask the charity about their transportation and distribution plans. Be wary of those who are not experienced in disaster relief assistance.

Look for details when texting a donation.
Beginning with the earthquake in Haiti, it’s become common to send a text to make a donation. Make sure you understand the amount to be donated, and whether there will be any service fees charged to your account. Be sure the offer clearly identifies which charity will receive the donation, then check out the charity.

For more information or to schedule an interview with a BBB Wise Giving Alliance spokesperson, contact Kelsey Owen at 703-247-9376.

BBB Warns Consumers of the Cost of Watching "Free" Online Movies

3/15/2011

Posted on 3/15/2011 by
Everyone loves a good movie and with today’s movie theater tickets costing more than ten bucks a pop (and that’s not even including the “pop”), many movie goers are opting to watch their favorite movies at home for free instead. “Free,” however, comes with a cost, a cost that many consumers don’t realize. The Better Business Bureau warns consumers against downloading “free” online movies.

According to researchers from cloud security provider Zscaler, movie sites like letmewatchthis.com, letbobwatchthis.com, and movie-source.org, all look harmless when in fact, they are luring consumers into a copyright infringement trap. Sites like these house hundreds of pirated movies and by downloading them onto your computer you are committing a copyright infringement.

“Consumers need to know the consequences of using such sites,” said Paula Fleming, vice president of your local BBB. “It is ultimately their responsibility to ensure that the files they are downloading and sharing are legal copies.”

According to the United States Copyright Office, an individual who uploads or downloads online movies that are protected by copyright law without the authority of the copyright owner can be subjected to copyright infringement violations. Such cases can be considered liable for statutory damages up to $30,000 for each work infringed. If infringement is found to be willful that amount can be increased up to $150,000 for each work infringed. In addition, according to the U.S. Department of Justice, the government can also criminally prosecute you for copyright infringement. Fines up to $250,000 and/or a five year prison sentence can result.

To avoid such risks, the Better Business Bureau recommends the following:

Purchase all copyrighted works online using one of the many services that are authorized to sell copyrighted pieces. By doing so, you can avoid copyright infringement violations.

When evaluating services to decide if they provide legal music and movie files, look for statements that say they have obtained the copyright permission of the artists or company representing the artists.

Seek legal alternatives. The Recording Industry Association of America (RIAA) and the Motion Picture Association of America (MPAA) can provide a list of some of the more popular legal online media sources, including Netflix, Amazon, iTunes and YouTube.

Be careful when downloading illegal digital files. Illegal downloading places your computer at high risk of receiving viruses.

To learn more about how to protect yourself from copyright infringement, visit bbb.org and cybercrime.gov sponsored by the U.S. Department of Justice.

Car Issues, Debt Collections, Scams Highlight Top Consumer Issues of 2010

3/9/2011

Posted on 3/9/2011 by
Today, members of the Massachusetts Office of Consumer Affairs and Business Regulation joined leaders from the Attorney General's Office, Federal Trade Commission, and Better Business Bureau to announce each agency's Top 5 consumer issues of 2010 – and offered tips to consumers to avoid similar issues in the future. Automobile issues, including insurance claim denials, and dealer and service complaints, along with debt collections and scams, were among the top Massachusetts consumer issues of 2010.

During a press conference in Boston today highlighting National Consumer Protection Week, which runs from March 6-12, agency officials were joined by consumers who discussed the problems they have encountered.

"Whether it is dealing with an insurance issue, questioning a debt collector, or learning about a possible scam, consumers are often left with difficult and confusing questions in the marketplace," said Barbara Anthony, Undersecretary of the Office of Consumer Affairs and Business Regulation. "This event helps educate and alert consumers to these issues, and give guidance for where to turn for help and information."

The top issue for consumers contacting the Office of Consumer Affairs and its agencies in 2010 was auto insurance-related questions and complaints. Over 7,000 people contacted the Office and the Division of Insurance with questions about denial of claims, adjusters, claim delays, and more.

Over 6,000 people called the Office of Consumer Affairs and Division of Insurance about health insurance issues, the second-highest number of 2010. Coordination of benefits and COBRA issues were the two most predominant reasons for complaints in the area of health insurance.

Linda Finnegan, who spoke at today's press conference, had trouble getting her claim paid after she took the trash out one morning and found her car stolen. Finnegan enlisted the help of the Division of Insurance, which intervened and helped Finnegan receive $5,800 from her insurer.

Consumers can find out more about auto insurance and other types of insurance by calling the Office of Consumer Affairs Hotline at (888) 283-3757, or the Division of Insurance at (617) 521-7794, or visiting www.mass.gov/consumer.

The Office of Attorney General Martha Coakley continues to focus significant resources on mortgage lending issues and foreclosure prevention. Through settlements and injunctions against subprime lenders and securitizers, the Attorney General has recovered more than $195 million in consumer relief and payments to Massachusetts, and provided direct relief for 15,700 consumers.

The Attorney General's Office also warns against several practices designed to take advantage of consumers in financial straits — including foreclosure rescue schemes and phony investment, lending, and employment opportunities. The hallmarks of these scams are unsolicited offers, through emails or telephone calls. Fraudulent foreclosure rescuers will promise results, and guarantee to lower your monthly mortgage payment by one-half or more. The law prohibits upfront fees for attempting to help a homeowner obtain a mortgage loan modification, so if you are asked to pay an upfront fee, that is a sign that you are not dealing with a reputable provider. Fraudulent solicitors ask for money for "can't miss" investments, ask for application fees for guaranteed loans, or send fake checks to enlist consumers as "mystery shoppers," who are asked to wire funds back to the scammer.

The Massachusetts Attorney General's Office also assists consumers who are having problems with insurance companies. Last year the Attorney General's Office received over 5,400 calls from consumers relating to insurance, with auto insurance calls topping the list. In 2010, the Attorney General's Office recovered over $33 million for auto insurance policyholders.

"In these tough economic times, with consumers watching their budgets more than ever, there is no shortage of unscrupulous people looking to take advantage of others," said Attorney General Martha Coakley. "A consumer must always do their homework, shop around, make sure that they are dealing with a reputable entity, and consider all of the terms before entering into any contract."

The Attorney General Office's hotline number is (617) 727-8400. Consumers who are having a problem with an insurance company are encouraged to call the Attorney General's Insurance Hotline at 1-888-830-6277.

The Better Business Bureau serving Eastern Massachusetts has car-related issues as its top three consumer complaints of 2010. Consumers called most often about new-car dealers, used-car dealers, and automobile repair and service.

"Rounding out the top of BBB's list includes auto misrepresentations in advertising or sales of new and used cars, faulty repairs and service disputes," said Paula Fleming, the Vice President of Communications and Marketing at the Better Business Bureau. "BBB recommends taking the time to do your research up front and check out a business before making a purchase at boston.bbb.org."

The BBB of Eastern Massachusetts can be reached by calling (508) 652-4800.

The Federal Trade Commission keeps track annually of the number of consumer calls received, and creates state-by-state data of the complaints it receives. According to complaints received by the Federal Trade Commission in 2010, Massachusetts consumers complained most frequently about identity theft, abusive debt collection practices, Internet services and auctions, fraudulent sweepstakes and lotteries, and shop-at-home and catalog sales. The FTC is the nation's consumer protection agency and works to stop these types of problems through vigorous law enforcement and consumer education.

"It is essential for consumers to know their rights to protect themselves against identity theft, unscrupulous debt collectors, Internet fraud, and those who dangle the prospect of lottery winnings to steal from consumers," said Leonard Gordon, the FTC's Northeast Regional Director. "www.ftc.gov offers important tips about how to stop abusive debt collectors; protect oneself online; and stop fraudsters from taking consumers' hard-earned money. Some steps consumers can take to protect themselves from identity theft and fraud include: Don't send money to someone you don't know; don't respond to email or phone messages that ask for your personal or financial information; don't agree to deposit a check from someone you don't know and then wire money back; keep in mind that wiring money is like sending cash: once it's gone, you can't get it back. It's also important to read your bills and monthly statements regularly."

Consumers can obtain information about how to educate themselves by going to the FTC's website, www.ftc.gov. Complaints about consumer issues can be filed with the FTC by visiting www.ftccomplaintassistant.gov.

Here are the Top 5 consumer issues for each of the four agencies attending today's press conference:

Office of Consumer Affairs

Auto Insurance
Health Insurance
Home Improvement Contractors
Lemon Law
Telecommunications

Better Business Bureau

Automobile Dealers – New Cars
Automobile Dealers – Used Cars
Automobile Repairing and Service
Banks
Collection Agencies

Federal Trade Commission

Debt Collection
Internet Services
Prizes, Sweepstakes and Lotteries
Internet Auction
Shop-at-Home and Catalogue Sales

Massachusetts Attorney General

Foreclosure Rescue/Loan Modification Schemes
Phony investment, lending and employment opportunities
Identity Theft
Deceptive Practices in New and Used Car Sales
Unexpected Cell Phone and Text Message Fees

For more information on these issues and others, visit the agencies at their websites, and follow them on Twitter:

Office of Consumer Affairs and Business Regulation: www.mass.gov/consumer (and on

Twitter @Mass_Consumer)

Attorney General's Office: www.mass.gov/ago (and on Twitter @MassAGO)

Federal Trade Commission: www.ftc.gov

Better Business Bureau: boston.bbb.org (and on Twitter @BostonBBB)

Ask the Right Questions When Choosing a Summer Camp

3/4/2011

Posted on 3/4/2011 by
While summer camps may put out glossy brochures to convince parents that their camps are the best place for children this summer, there is more to camp than sing-alongs and campfires. The Better Business Bureau (BBB) reminds parents that they should look beyond the sales pitch if they want their children to be safe and well-supervised.

“Many parents don’t know that there is no government oversight of camps. It’s important that they are vigilant and visit several camps to find one that best suits their child,” said Paula Fleming, vice president of communications and marketing for BBB.

While summer camp has always helped children build social skills and self-confidence, today’s programs are diverse and can include teambuilding programs or community service involvement. When choosing a camp for their children, parents should use care and evaluate the programs that each facility offers. They should look for a camp that provides activities that are of interest to their child and appropriate for the child’s age and skill level.

Parents should be guided by their child’s interests and personality when choosing a program. There are many different types of summer camp out there; including specialty camps that meet a child’s specific interests, travel camps for the adventurous children, preschool camps for younger children, special-needs camps for children with disabilities and traditional camps with wide ranges of activities for children.

According to the American Camp Association (ACA), parents rate fun and safety as most important to the camp experience. When considering a camp for their child, parents should ask how long the camp has been in business and check with parents of past and returning students. They can check with the BBB to find out about the camp’s handling of complaints and its trustworthiness.

The BBB offers the following tips for parents:

Visit the camp before making a decision. Check its location and view the living, eating and recreational facilities. Be sure to ask about safety procedures (particularly for water activities, archery and out-of-camp trips).

Assess the quality and commitment of the staff. Find out the camp director’s background, as well as the criteria used for hiring staff. It is also important to know the ratio of staff to campers. Parents sending children to specialty camps should inquire about the staff’s level of expertise in the specific area.

Know the fees. What is the total cost of tuition? Is your deposit refundable? Are there extra charges for any activities? Are meals and transportation included? Is financial aid available?

Understand the safety rules. Find out what the rules are and how they are enforced. Ask about the camp’s insurance coverage. Check the condition and safety of the facilities and equipment. Note any dangerous areas, like cliffs, swamps or water zones.

Ask about the medical care. Check out the medical facilities to be sure they are adequate. Find out if a nurse or doctor is on site. Inquire about the procedures for transporting injured or sick children to nearby medical facilities.

Be familiar with the camp philosophy. Know what the camps goals are and how each program offered meets those goals. Are family visits or other communication with campers allowed? How is homesickness handled?

See a typical daily schedule. Note the camp hours, the variety of activities that are planned, the age range of the campers, what type of food is served, the pace of the day and any transportation that is involved.

Get references. Ask parents of repeat campers about their child’s experience and why they recommend the camp. Find out the camper return rate as well as the counselor return rate. Look for camps that are certified by the ACA – their accredited camps have met up to 300 nationally recognized standards.

For more information on an individual camp or to check a BBB Business Review on any business or charity, call 508-652-4800 or visit boston.bbb.org.

Better Business Bureau Recommends Following the Top Ten Tips from the Internal Revenue Service this Tax Season

3/1/2011

Posted on 3/1/2011 by
With April 18th fast approaching, it’s time to start the tax filing process that we all know and love. This tax season, if you are planning to get assistance from a tax preparer or even if you’re planning to do the leg work yourself, Better Business Bureau, along with the Internal Revenue Service recommend following these top ten tax filing tips.

1. Start gathering your records: Round up any documents or forms you’ll need when filing your taxes: receipts, canceled checks and other documents that support income or deductions you’re claiming on your return.

2. Be on the lookout: W-2s and 1099s should have arrived by now and you’ll need these to file your tax return.

3. Use Free File: Let Free File do the hard work for you with brand-name tax software or online fillable forms. Everyone can find an option to prepare their tax return and e-file it for free. If you made $58,000 or less, you qualify for free tax software that is offered through a private-public partnership with manufacturers. If you made more or are comfortable preparing your own tax return, there's Free File Fillable Forms, the electronic versions of IRS paper forms.

4. Try IRS e-file: After 21 years, IRS e-file has become the safe, easy and most common way to file a tax return. According to the IRS, 70 percent of taxpayers used IRS e-file. Starting in 2011, many tax preparers will be required to use e-file and will explain your filing options to you. This is your chance to give it a try. IRS e-file is approaching 1 billion returns processed safely and securely. If you owe taxes, you have payment options to file immediately and pay by the tax deadline. Best of all, combine e-file with direct deposit and you get your refund in as few as 10 days.

5. Consider other filing options: There are many different options for filing your tax return. You can prepare it yourself or go to a tax preparer. You may be eligible for free face-to-face help at an IRS office or volunteer site. Give yourself time to weigh all the different options and find the one that best suits your needs.

6. Consider Direct Deposit: If you elect to have your refund directly deposited into your bank account, you’ll receive it faster than waiting for a paper check.

7. Visit the IRS website again and again: The official IRS website is a great place to find everything you’ll need to file your tax return: forms, publications, tips, answers to frequently asked questions and updates on tax law changes.

8. Remember this number: 17: Check out IRS Publication 17. It’s a comprehensive collection of information for taxpayers highlighting everything you’ll need to know when filing your return.

9. Review! Review! Review! Don’t rush. Be sure to double-check all the Social Security Numbers and math calculations on your return as these are the most common errors made by taxpayers.

10. Don’t panic! If you run into a problem, remember the IRS is here to help. Try irs.gov or call toll-free at 800-829-1040.

Remember, when seeking the assistance of a tax preparer, always get referrals from friends and family on who they use and check the BBB Business Review on tax preparation services at bbb.org.

For more advice on finding professionals you can trust and for filing your taxes accurately, visit bbb.org and irs.gov.

Top Five Ripoffs When Buying Sports and Concert Tickets

2/17/2011

Posted on 2/17/2011 by
Whether you’re trying to snag tickets to the big game or the hottest concert, the Better Business Bureau warns that you run the risk of getting ripped off if you decide to gamble on a less than reputable source.

Fake tickets aren’t just a concern for people who wanted to go to the Super Bowl or see Lady Gaga, even smaller events can become a target. Not only were counterfeit tickets to major sporting events like the BCS Championship game or the NFL playoffs a problem this winter, consumers have also recently wasted money on fake tickets for UFC fights, and local concerts.

“Every season provides an opportunity for scammers to sell counterfeit tickets,” said Paula Fleming, vice president of communications & marketing for your local Better Business Bureaus. “In the winter you have college football and NFL games leading up to the Superbowl, in the spring the hot tickets are for March Madness and hockey and NBA playoffs and then summer hits with big name concerts.”

If you’re looking to get ripped off buying event tickets, BBB recommends:

Believing you’re that lucky – The reason tickets are expensive is because they’re hard to get and the chances of you getting lucky and finding a deal are slim. If a situation sounds too good to be true, such as someone selling tickets to a popular event for much less than offered elsewhere, it’s probably not on the level.

Wiring money to someone you don’t know – Say for some reason you do believe that a seller you found online who lives in another country really has tickets to an event in the US. The fact that the seller then asks you to wire money to pay for the tickets should be the final red flag that makes you walk away. When buying tickets online, ideally pay with a credit card or through Paypal because of the consumer protections provided.

Not doing your research – If buying online, ask to see a picture of the tickets so you can confirm the seats match up with the venue. If your friends already have tickets, you can also make sure they look the same as the ones you want to buy. Search for guidance online about how the tickets should look.

Buying from scalpers at the event - Buying tickets outside the venue can be a game of roulette. You might get taken to the cleaners or the seats may be just as advertised. Keep in mind that, in some states, it’s illegal to charge more than the face value for tickets.

Choosing a disreputable online ticket broker – When purchasing tickets through an online broker, look for the BBB seal on their website and check them out online at bbb.org/us/Find-Business-Reviews. Review the company’s policy for customer satisfaction and what happens if tickets purchased through their site are fake or not as advertised.

For more advice on spending your money wisely and not getting ripped off, visit bbb.org/us/Consumer-Tips

Keep your kids safe online by teaching them the seven stop signs

2/10/2011

Posted on 2/10/2011 by
Knowing where your kids are can be a full time job. Knowing where they are online—which websites they’re visiting and who they’re talking to—is even harder, but is no less important. The Better Business Bureau Children’s Advertising Review Unit encourages parents to teach their kids and tweens about unsafe online situations and recommends looking out for seven stop signs.

According to a study by the Neilsen Norman Group, kids as young as nine years old are becoming just as capable—if not more so—than their parents at navigating the Internet. While young kids may be computer whizzes, they aren’t necessarily as smart as their parents when it comes to identifying online threats, including predators and fraud.

“The best way to keep your kids safe online is to keep the lines of communication open,” said Wayne Keeley, director of the BBB Children’s Advertising Review Unit. “Talk to them about the possible dangers and let them know that they can always come to you if they feel confused, threatened or bullied online.”

Sit down with your kids and let them know that they should stop and come talk to you whenever they find themselves in these seven situations online:

You visit a website which asks for financial information like bank, credit or debit card numbers. Some websites may try to get at your wallet through your kids. Let your kids know that it is never acceptable to give out your bank, credit or debit card numbers to anyone.

You visit a website that asks for personal information like your home address, first and last name, e-mail address, phone or Social Security number. Your kids may not realize that information such as their full name, address, phone number or even their e-mail address or Social Security Number can be very valuable to companies that want to market products to them and also to identity thieves or predators online.

A person you don’t know sends you inappropriate pictures or inappropriate language, or wants to actually meet up. Talk to your kids about what would constitute as inappropriate photos and conversations online, as well as the immense dangers of meeting up or talking to strangers.

You want to post a picture of yourself online. Posting pictures online can seem harmless, but can often provide important clues to predators. Approve any photos before your kid posts them online until you feel they are old enough to make the right call.

You are being harassed or bullied through a social networking site, e-mails or instant messages. Online bullying isn’t just a harmless prank and your kids need to know that it’s important they tell you before it goes too far.

You get a friend request on a social networking site from someone you don’t know. Friending someone online that you don’t know in real life is opening the door to many possible threats such as hackers and predators.

You want to sign up for a “free” service online or get “free” ringtones or daily joke text messages. “Free” rarely comes without a price online and supposedly, free services can result in repeated charges to your credit card or phone bill.

For more than 35 years, the BBB Children’s Advertising Review Unit has promoted responsible children's advertising by evaluating child-directed advertising and promotional material in all media to advance truthfulness, accuracy and consistency. CARU performs a high level of monitoring, including the scrutinizing of over ten thousand television commercials, and the review of advertisements in print, radio and online media.

To raise awareness of children’s online safety, CARU has created a series of TV PSAs that are airing nationwide and are also available online. Blogs, television and radio stations interested in spreading the word about online safety can contact Wayne Keeley at wkeekey@caru.bbb.org to learn more about airing these PSAs.

Parents can report websites that request personally identifiable information from children under 13 at www.CARU.org.

More information about kids online safety is available at the CARU Parent’s Corner.

BBB Advice on Hiring Snow-Removal Contractors

2/4/2011

Posted on 2/4/2011 by
The cold weather is here and some locations have received several inches of snow fall. Removing mounds of snow can be a chore. Perhaps your plan is to leave the shovel in the garage this winter and hire a snow-removal contractor instead. Before you do, the Better Business Bureau recommends the following tips:

Get several estimates. Prices can vary widely and are usually based on the amount of work, which takes into account the layout of the property, size of the area to be cleared, and whether the customer, in addition to plowing, requests shoveling or snow blowing to remove excess snow from other areas. Remember, the least expensive service is not always the best service.

Ask the contractor about additional charges and price options. Beside the quoted price, there are sometimes additional charges during large storms. After the snow reaches a certain depth, some snow removal contractors charge by the inch, so you'll want to find out how the company calculates the size of the snowfall. Other contractors may offer a fixed price for an entire season, regardless of the amount of snow.

Make sure you know what services you're getting. Find out exactly what's included in the estimate. Are the walks and steps included? What about the cost of sand and salt? Will the company clear only after the storm, or during the snowfall as well? If the contractor has to come back, is there an additional charge? Ask if the company will remove heavy snow loads from a building roof top? Is there an additional charge?

Ask for references and check them out.

Check with the Better Business Bureau for a business reliability report on the contractor you're planning to use.

Do not settle on an agreement over the telephone. The contractor should provide you with a written agreement. A representative should come out to examine your property and make notes about the service requested and potential obstacles. Before you sign the agreement, ask who will be responsible for damages, such as cracked driveways or broken gates. Ask if the contractor is insured or bonded. Also, find out how you can terminate the agreement if necessary.

Your expectations should be realistic. Keep in mind that a snow storm makes traveling difficult for you and the contractor. During major snowfalls, workers are required to use more caution when plowing and traveling, therefore it may take longer for the contractor to reach you and do the contracted work.

Don't Pay for Free Advice on Scholarships for College

1/31/2011

Posted on 1/31/2011 by
Millions of people depend on grants and scholarships to pay for college. Navigating the process of applying for financial aid can be confusing and some companies claim they can help, but only end up providing information and assistance the student can already get for free elsewhere. The Better Business Bureau recommends doing your research before paying a company to find financial aid for college.

During the 2009-2010 school year, $94 billion in grants was made available to college students to help cover education costs, according to The College Board. Sources of the funding included federal and state government, institutions, private entities and employers.

“Times are tight and many families desperately want to tap into the well of scholarships and grants to help their kids go to college,” said Paula Fleming vice president of communications and marketing for the local BBB. “While some companies are trying to take advantage of struggling families looking for funding, the good news is that all of the information you need is already available for free.”

Every year, BBB receives complaints from parents who paid money upfront to a company that promised to find scholarships and grants for their child but ultimately didn’t deliver.

One such company, Edifi-College Financial Aid, sends prospective college students a letter explaining they have been selected for a personal interview. Students who call for their interview are scheduled for a financial aid seminar along with other students and parents. Complainants say they attended the seminar and later paid more than $1,000 for help finding aid, but the services offered were mostly assistance in filling out financial aid forms.

BBB is also receiving complaints about J.E.C.C., Inc. Complainants say they thought they were taking advantage of a free trial CD-ROM on how to get federal grants for college. Some were charged as much as $69 even before receiving the information in the mail and those who did receive the information complained that it wasn’t helpful at all.

BBB recommends listening for the following red flags when receiving the sales pitch from a financial-aid finder:

“The scholarship is guaranteed or your money back.” In reality no one can guarantee that they will get you a grant or scholarship. The refund guarantees that are offered usually have so many conditions or strings attached that it is almost impossible for consumers to get their money back.

“You cannot get this information anywhere else.” Actually, scholarship information is widely available in books, from libraries and financial aid offices and on the Internet, if you are willing to search for it.

“We will do all the work.” Only parents and students can really determine and provide the financial information needed to complete the forms.

“You have been selected by a national foundation to receive a scholarship.” If you have not entered a competition sponsored by the foundation, this claim is highly unlikely.

“May I have your credit card or bank account number to hold this scholarship?” This is never a requirement for a legitimate scholarship offer.

“The scholarship will cost some money.” Legitimate scholarship offers never require payment of any kind.

For more information on finding financial aid for school, visit fafsa.gov. BBB has advice for everyone on managing personal finances and avoiding scams at bbb.org/us/Consumer-Tips/

BBB Lists Top 10 Scams and Rip-Offs of 2010

1/19/2011

Posted on 1/19/2011 by
The Better Business Bureau today released a list of the top 10 scams and rip-offs of 2010. Job hunters and those struggling to make money and get out of debt were common targets of fraudsters, hackers and deceptive businesses in this tough economy.

“With the economy still on the mend, scammers had a field day targeting struggling families who were looking for work and trying to make ends meet,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “While some of the most popular scams are perennial problems that have always plagued consumers, some new additions to the list are signs of our tough economic times.”

Following, in no particular order, is BBB’s list of top scams and rip-offs that took advantage of consumers and small business owners across the U.S. in 2010:

Job Hunter Scams – Scams targeting job hunters vary and include attempts to gain access to personal information such as bank account or social security numbers and requirements to pay a fee in order to even be considered for the job.

Debt Relief and Settlement Services – BBB warned consumers in 2010 to seriously consider third-party assistance for getting out of debt. These companies often require upfront fees and potentially leave the consumer drowning in even more debt. Complaints to BBB about debt relief and settlement services increased by approximately 30 percent in 2010, according to tentative year-end estimates.

Work from Home Schemes – Some work from home schemes promise to teach the secrets to making money online, others claim you can make money assembling items at home or get paid to be a mystery shopper. Some victims even found that their opportunity to work from home was a job to fence stolen goods. The end result is that instead of getting paid, you can end up losing hundreds—if not thousands—of dollars

Timeshare Resellers – Complaints to the BBB about the timeshare industry—including deceptive resellers—increased by over 40 percent according to 2010 estimates. Timeshare owners who are desperate to get rid of their costly vacation property are being targeted by companies that claim they have an eager buyer. The company tells the seller they just have to pay up to several thousand dollars to cover fees. After paying the fees, the seller never hears from the company again.

Not So “Free” Trial Offers – Misleading free trial offers online for diet supplements, penny auctions and money making schemes blanket the internet resulting in thousands of complaints ever year. The free trial offers seem no-risk but complainants state they were repeatedly billed every month and found it extremely difficult to cancel.

Itinerant Home Repair/Roofers – BBBs across the country received complaints from consumers who answered a knock from a door to door salesman or itinerant worker who eventually failed to deliver on promises to fix their roof or conduct other work to the home. Complaints to BBB about roofing companies increased by roughly 40 percent in 2010, according to tentative estimates, due in part to one company that solicited door to door, American Shingle, which received nearly 1,000 complaints nationwide after going bankrupt and not providing new roofs to angry customers.

Lottery and Sweepstakes Scams – The victim—often a senior citizen--receives a letter in the mail or phone call from someone pretending to be with Reader’s Digest, Publisher’s Clearing House or a phony foreign lottery. The scammer claims that the victim has won millions but must first wire hundreds or even thousands of dollars back to the scammers to cover taxes or some other bogus fee. The victim wires the money, but the prize never arrives.

Identity Theft – There are any number of ways a person can become a victim of identity theft. Through low-tech theft, phishing emails, vishing phone calls, smishing text messages, or even through no fault of your own as the result of a corporate data breach, millions fall victim to identity theft every year.

Advance Fee Loan Scams – A perennial problem, advance fee loan scams prey on consumers and business owners who are struggling financially. Victims are told they qualify for large loans but must pay upfront fees—often more than a thousand dollars. The victim wires money to the scammers, but never receives the loan.

Over-Payment Scams - Over-payment scams typically target small business owners, landlords or individuals with rooms to rent and sellers on classifieds or sites like Craigslist. The scammers overpay the amount for the services or products and then ask the victim to wire the extra amount back to them or to another fraudulent entity. Ultimately though, the check is forged and the victim is out the money wired back to the scammers.

Consumers or small business owners victimized by a scam can contact their local BBB or file a complaint at bbb.org. Always research a business with BBB before you sign any contracts or hand over any money.

Seven Scams that Target Small Businesses

1/19/2011

Posted on 1/19/2011 by
Being vigilant against fraud is not only important for a company’s bottom line, it also strengthens customer trust in the business. Becoming a victim of fraud can have a negative financial and reputational impact on a business and the Better Business Bureau recommends owners train their staff to look out for seven common scams that prey on small companies.

Every year the BBB receives thousands of complaints from small business owners who fell for an invoicing scam or were misled into paying for products and services they didn’t want. Scammers aren’t always trying to steal money from a business; sometimes they are after a company’s financial or customer data and will use many kinds of high and low-tech methods for getting it.

“Small business fraud can come from internal threats, such as employee fraud, or from external full-time scammers,” said Paula Fleming, BBB spokesperson. “Because small business owners often lack the time and resources to fight fraud, they are a popular mark for any number of different scams.”

The BBB is warning business owners to look out for the following seven scams that commonly target small companies:

Directory Scams – A perennial problem that has plagued businesses for decades involves deceptive sales for directories. Commonly the scammer will call the business claiming they just want to update the company’s entry in an online directory or the scammer might lie about being with the Yellow Pages. The business is later billed hundreds of dollars for listing services they didn’t agree to or for ads which they thought would be in the Yellow Pages.

Office Supply Scams – Some scammers prey on small business owners hoping that they won’t notice a bill for office supplies like toner or paper which the company never ordered. Every year BBB receives thousands of complaints from small business owners who were deceived by office supply companies and billed for products they didn’t want.

Overpayment Scams – Be extremely cautious if a customer overpays using a check or credit card and then asks you to wire the extra money back to them or to a third party. Overpayment scams target any number of different companies including catering businesses, manufacturers, wholesalers and even sellers on sites like eBay, Craigslist and Etsy.

Data Breaches – No matter how vigilant your company is a data breach can still happen. Whether it’s the result of hackers, negligence or a disgruntled employee, a data breach can have a severe impact on the level of trust customers have in your business. You can learn how to defend your company from a data breach for free with BBB’s Data Security – Made Simpler at www.bbb.org/data-security.

Vanity Awards – While it’s flattering to be recognized for your hard work, some awards are just money-making schemes and have no actual merit. If you are approached about receiving a business or leadership award, research the opportunity carefully and be wary if you’re asked to pay money.

Stolen Identity – Scammers will often pretend to be a legitimate company for the purposes of ripping off consumers. When it comes to stolen identity, the company doesn’t necessarily lose money, but their reputation is potentially tarnished as angry customers who were ripped off by the scammers think the real company is responsible.

Phishing E-mails – Some phishing e-mails specifically target small business owners with the goal of hacking into their computer or network. Common examples include e-mails pretending to be from the IRS claiming the company is being audited or phony e-mails from the BBB saying the company has received a complaint. If you receive a suspicious e-mail from a government agency or the BBB, don’t click on any links or open any attachments. Contact the agency or the BBB directly to confirm the legitimacy of the e-mail.

For more advice on how to manage your business effectively, visit bbb.org/us/Business-Resources/.

BBB Warns Consumers to be Aware of NFL Playoff Ticket Scams

1/11/2011

Posted on 1/11/2011 by
The New England Patriots are headed to the playoffs and many fans are anxious to cheer them on in person! In the midst of all the excitement, Better Business Bureau (BBB) advises sports fans to be on the lookout for ticket scams when making playoff ticket purchases.

“Since there is such a high demand for these tickets, BBB anticipates a rise in the number of counterfeit ticket scams that could potentially affect many excited football fanatics” says Paula Fleming, vice president of communications and marketing for BBB.

BBB advises consumers to use caution when making ticket purchases and offers the following tips for making intelligent buying decisions:

Start your search with trust. Know the name, address and phone number of the business you would like to make a purchase from. Check out the business at bbb.org to be sure that it is legitimate.

Be sure to get the details in writing; this includes price of the tickets and cancellation policies.

After you have done your research and find a legitimate business to make your purchase from, go ahead and buy. BBB advises using a credit card or PayPal when making these purchases as the charges are more secure and easiest to cancel.

When buying tickets online, ask for a picture of the ticket and verify it using the venue’s seating chart. Get the seller’s real name and contact information, as well as a receipt for the purchase.

If you buy from an online seller, ie craigslist, ebay etc. be sure you take the necessary precautions to ensure you are not being sold a fake.

Fans should also take into consideration that when purchasing tickets that ticket forgeries could be just the start of a scam. Consumers should be sure not to panic and buy from a business that they don’t know in order to also minimize the chance of becoming a victim of identity theft during the buying process. These NFL playoff tickets are the hottest tickets to buy right now so it will be a favorite event for thieves of all kinds. BBB emphasizes the importance of exercising all precautions when making purchases and taking advantage of the services at bbb.org in order to make wise buying decisions.

Ten Questions to Ask Before Joining a Gym

1/4/2011

Posted on 1/4/2011 by
Losing weight is one of the most common New Year’s resolutions after the gluttony of the holiday season. If you’re pledging to lose some pounds this year by joining a gym, the Better Business Bureau recommends asking ten questions before signing on the dotted line.

In 2009 alone, BBB received 7,787 complaints about gyms and health clubs, putting the industry in the top 20 for most complained about businesses. Not only does BBB receive a lot of complaints about gyms, but complaints increased by 21 percent in 2009 over the previous year.

“Regardless of how eager you are to start losing weight in the New Year, take the time to do your research before joining a gym and don’t give in to high-pressure sales pitches,” said Paula Fleming BBB spokesperson. “Always check the health club out with your Better Business Bureau, inspect the facilities closely and read the contract carefully, making sure that all of the promises are in print.”

BBB recommends asking the gym and yourself the following 10 questions before signing up for a membership:

Questions to ask the gym:

What are the terms of any introductory offers? Gyms often use special introductory offers to lure in new members. Just make sure you understand the terms and what the price will be once the introductory period is over.

Will my membership renew automatically? Every year, BBB receives a large number of complaints from people who joined a gym and didn’t realize that their contract would renew automatically and that they would have to take specific steps to cancel their contract.

How can I get out of my contract? Getting out of a gym contract isn’t always as easy as getting into one so make sure you understand what steps you would need to take to cancel your membership
What happens if I move? Gyms have any number of different policies when it comes to how moving will affect your membership. It might depend on how far away you’re moving and if they have other locations nearby.

What happens if you go out of business? BBB often receives complaints from people after their gym suddenly closed up shop and took their money with them. Ask the gym to explain what will happen to your money if they suddenly go out of business.

Questions to ask yourself:

What are my fitness goals? Determining your fitness goals in advance will help you select a facility that is most appropriate for you. If you have a serious health condition, consult with a medical professional when setting your fitness goals.

Is this location convenient? If the gym is across town, you’ll be less likely to workout. Choose a fitness club that is convenient to work or home so the location is not a deterrent to getting exercise.

Can I really afford this every month? Monthly gym fees add up and, after any introductory periods are over, the price could jump higher than your budget can handle. Do the math before you join and make sure you can afford a gym membership.

Am I feeling pressured to join? Do not give in to high-pressure sales tactics to join right away. A reputable gym will give you enough time to read the contract thoroughly, tour the facilities and make an informed decision.

Did I get everything in writing? Read the contract carefully and make sure that all verbal promises made by the salesperson are in writing. What matters is the document you sign, so don’t just take a salesperson’s word for it.

For more advice from BBB on how to be a savvy consumer all year long, visit bbb.org/us/Consumer-Tips/

Check Privacy Policy on "Dear Santa" Websites

12/21/2010

Posted on 12/21/2010 by
NMore than 60 domain names have been registered in the name of Santa Claus, offering children a wide range of opportunities to e-mail St. Nick. But before allowing children to share personal information with a “Letter to Santa” website, the Children’s Advertising Review Unit (CARU) recommends that adults carefully review the site to determine who is seeking the information, how it will be used and whether it will be shared with third parties.

“Even Santa is required to comply with CARU’s Online Privacy Protection guidelines and the federal Children’s Online Privacy Protection Act,” said Wayne J. Keeley, CARU’s director.

All Websites directed to children – or Websites designed with a special children’s section – should have a privacy policy that explains the site’s information collection practices. The privacy policy should include the name of the company and the company’s complete contact information.

It should also state whether the company shares information with third parties, including advertisers, and whether the company publicly discloses the information or retains the information for any future purpose.

CARU offered the following ‘Dear Santa’ site review tips:

Websites directed to children should not ask a child to disclose more information than is reasonably necessary to participate in the activity – a first name and email address, for instance.

Limit the personal information children share with Santa and omit physical addresses – Santa already knows where all the children live.

Check Websites for unwelcome content. Some sites are geared toward adults and may contain language or advertising adults may not want children to see.

Since hyperlinks can allow children to move seamlessly from one site to another, investigate the hyperlinks to assure children don’t access inappropriate content.

For more information on Website safety and children, please visit CARU at www.CARU.org.

Five Mistakes to Avoid When Donating to a Charity

12/13/2010

Posted on 12/13/2010 by
Every holiday, billions of dollars are donated to worthy causes and now more than ever charities need the support of donors to help those who are struggling. The BBB Wise Giving Alliance advises donors on how to avoid five common mistakes in order to ensure their dollar stretches the farthest in these tough economic times.

“With so many people out of work and in need, it’s extremely important that you maximize the impact your holiday donations have by avoiding the common giving mistakes,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “A smart donor takes a hard look at a charity’s programs, finances and governance before making a donation. While almost all charities have the best of intentions, not all organizations meet standards or are well managed.”

BBB Wise Giving Alliance recommends that donors avoid these common mistakes when donating to a charity this holiday:

Assuming that only “low overhead” matters. How much money a charity spends on the actual cause—as compared to how much goes toward fundraising and administration—is an important factor, but it’s not the whole story. A charity with impressive financial ratios could have other significant problems such as insufficient transparency, inadequate board activity and inaccurate appeals.

Failing to do your research before you give. Even good friends may not have fully researched the charities they endorse, so don’t just take their word for it. Expertise is available. Go to www.bbb.org/charity to verify that a charity meets the BBB’s 20 Standards for Charity Accountability.

Succumbing to high-pressure, emotional pitches. Giving on the spot is never necessary, no matter how hard a telemarketer or door-to-door solicitor pushes it. The charity that needs your money today will welcome it just as much tomorrow.

Assuming that the charity wants any item you donate. Worn out, unusable or unwanted donated goods cost charities millions of dollars each year because the organization has to bear the cost of tossing the unacceptable donation. If you have questions about an item’s acceptability, call the charity and ask.

Mistaking a charity’s identity. With so many charities in existence, their names can blur in a donor’s mind and similar-sounding organizations are common. Be sure you know which charity you’re supporting and that it’s not a case of mistaken identity.

Donors can check out BBB Wise Giving Alliance evaluations on national soliciting charities for free at www.bbb.org/charity.

No Matter How You Give, Give Wisely

12/7/2010

Posted on 12/7/2010 by
Because of technology and the creativity of charities, there are many different ways that donors can give to a worthy cause. Whether you’re giving money, canned goods, used items or your time, BBB Wise Giving Alliance reminds donors that how you give is just as important as what you give.

According to the Chronicle of Philanthropy, charitable donations to the largest charities were down 11 percent last year. Despite the tough economy and the overall decline in giving, donors are still looking for ways to help the less fortunate particularly around the holidays. According to the Salvation Army, red kettle donations in November and December of 2009 actually increased by $9 million over the previous year.

“Despite the downturn in the economy, people are still looking for creative or small ways that they can give back and support those who are even less fortunate over the holidays,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “However you decide to give, it’s important to stop and take the time to research the charity thoroughly to make sure that your dollar stretches the farthest it can in this tough economy.”

How you give—and not just what you give—to a charity matters. Following are five common ways that people donate to charities over the holidays and a few things to consider:

Give items – Many organizations solicit for donations over the holidays including coats, toys, and canned goods. Whatever you’re donating, make sure the items are of good condition and that the recipient charity is accepting such items to help further its cause.

Give when you shop - Many charities have had great success partnering with businesses who agree to donate some amount of the purchase price from sales of items to a worthy cause. This type of cause-related marketing means that you can help while you shop. Check if the promotion identifies the actual or anticipated amount of the purchase price the charity will receive. Also some businesses, like grocery stores, ask if you want to donate to a charity and have that amount added to your receipt which is called embedded giving. See if the embedded promotion states which specific charity will receive the collected funds.

Give online – Giving online with a credit or debit card is among the most efficient ways to support a charity. Before you enter in your numbers, give the website a thorough review and look for the organization’s privacy policy, and verify if the organization has appropriate security measures in place to protect such transactions.

Give through text messaging – The option to give via text message took off in the wake of the disastrous earthquake in Haiti. After texting a message to a number, the donation is tacked on to your cell phone bill. While donating via text is fast and easy for the donor, the actual money can take months to reach the charity so consider donating directly to a charity through its website if there is an urgent need.

Give your time – In today’s tight economy, you may not have money, but you can always give a little bit of your time to help support a worthy cause. In addition to volunteering around the holidays, you can also be a vocal supporter of a charity and help raise awareness among friends and family and on your Facebook page or blog.

The BBB Wise Giving Alliance reports on more than 1,200 national charitable organizations at www.bbb.org/charity and determines if they meet 20 accountability standards addressing governance, finances and fund raising practices.

To review charity evaluations and get more advice on how to give when times are tight, visit www.bbb.org/charity.

Tis' the Season for Holiday Scams

11/30/2010

Posted on 11/30/2010 by
The holidays are a happy time for food, family, and friendship, but they are also a time for fraud. Consumers can fall into any number of traps over the holidays and become victim to identity thieves, hackers and deceptive merchants online. The Better Business Bureau is warning holiday shoppers and donors to look out for five common scams this season.

“While the rest of us are pulling the decorations out of the attic, scammers are blowing the dust off of their tried and true holiday scams,” said Paula Fleming, BBB spokesperson. “We can all help make these holiday scams a ghost of Christmas’ past by not falling for them anymore.”

BBB recommends being on the lookout for the following scams this holiday season:

Scam shopping sites online
We’re all looking for a great deal online, but some sites offer electronics or luxury goods at prices that are too good to be true. Every holiday season BBB hears from holiday shoppers who paid for a supposedly great deal online, but received nothing in return.

BBB advice: Always look for the BBB seal when shopping online and click on the seal to confirm it is legitimate. When shopping on sites that you aren’t household names, check the business out with the BBB before you buy.

Finding the season’s hottest toys and gadgets online
Every year, holiday shoppers fight over the “must have” toy or gadget of the season. When the item is sold out in stores, you can often find it online through sites like Craigslist or eBay—for a much steeper price. The problem is that some sellers will take your money and run.

BBB Advice: Shop locally on Craigslist and conduct the transaction in person—never wire money as payment. When purchasing items on auctions like eBay, research the seller extensively and always listen to your doubts if the deal doesn’t sound legit.

Identity theft at the mall
While you’re struggling at the mall with bags of presents, identity thieves see an opportunity to steal your wallet and debit or credit card numbers.

BBB Advice: Don’t let yourself get bogged down in purchases and lose track of your wallet. Know where your credit and debit cards are at all times and cover the keypad when entering your pin number while purchasing items or getting money from the ATM.

Bogus charitable pleas
The holidays are a time of giving which creates a great opportunity for scammers to solicit donations to line their own pockets. Also beware of solicitations from charities that don’t necessarily deliver on their promises or are ill-equipped to carry through on their plans.

BBB Advice: Always research a charity with the BBB Wise Giving Alliance before you give to see if the charity meets the 20 Standards for Charity Accountability.

Phishing e-mails
Phishing e-mails are a common way for hackers to get at your personal information or break into your computer. Common phishing e-mails around the holidays include e-cards and messages pretending to be from companies like UPS or Fedex with links to package tracking information.

BBB Advice: Don’t click on any links or open any attachments to e-mails until you have confirmed that they are not malicious. E-mail addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing e-mail. Also beware of unsolicited e-mails from companies with which you have no association. Make sure you have current antivirus software and that all security patches have been installed on the computer.

For more advice on being a savvy consumer this holiday season, visit us online at bbb.org/us/consumer-tips-holiday/

Top Ten Cyber Monday Tips for Staying Safe When Shopping Online

11/29/2010

Posted on 11/29/2010 by
Cyber Monday—the Monday after Thanksgiving—has officially replaced Black Friday—the day after Thanksgiving—as the most popular day to shop for the holidays. Shopping online means avoiding the crowds, but it also opens the buyer up to attacks from scammers and hackers. In order to fight these online grinches, the Better Business Bureau recommends 10 tips for staying safe when holiday shopping online.

Every year, more people head online—rather than to the mall—to get their holiday shopping done. Last year, 96.5 million Americans shopped online during Cyber Monday while 79 million Americans shopped at brick-and-mortar retailers on Black Friday, according to the National Retail Federation.

“The convenience and ease of shopping online has replaced the hassle of going to the store for many people—but online shopping has its own set of risks,” said Paula Fleming, BBB spokesperson. “Taking steps to avoid the fraud online will result in a much happier holiday for everyone—except, of course, for scammers and hackers.”

Following are the “Top 10 Online Shopping Tips” for holiday shoppers to help fight unscrupulous online retailers, scammers and hackers:

1. Protect your computer – A computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.

2. Shop on trustworthy websites – Shoppers should start with BBB to check on the seller’s reputation and record for customer satisfaction. Always look for the BBB seal and other widely-recognized “trustmarks” on retailer websites and click on the seals to confirm that they are valid.

3. Protect your personal information – BBB recommends taking the time to read the site’s privacy policy and understand what personal information is being requested and how it will be used. If there isn’t one posted, it should be taken as a red flag that personal information may be sold to others without permission.

4. Beware of deals that sound too good to be true – Offers on websites and in unsolicited e-mails can often sound too good to be true, especially extremely low prices on hard-to-get items. Consumers should always go with their instincts and not be afraid to pass up a “deal” that might cost them dearly in the end.

5. Beware of phishing – Legitimate businesses do not send e-mails claiming problems with an order or an account to lure the “buyer” into revealing financial information. If a consumer receives such an e-mail, BBB recommends picking up the phone and calling the contact number on the website where the purchase was made to confirm that there really is a problem with the transaction.

6. Confirm your online purchase is secure – Shoppers should always look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. If there are any doubts about a site, BBB recommends right-clicking anywhere on the page and select “Properties.” This will let you see the real URL (website address) and the dialog box will reveal if the site is not encrypted.

7. Pay with a credit card – It’s best to use a credit card, because under federal law, the shopper can dispute the charges if he or she doesn’t receive the item. Shoppers also have dispute rights if there are unauthorized charges on their credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it. Never wire money and only shop locally on sites like Craigslist.

8. Keep documentation of your order - After completing the online order process, there may be a final confirmation page or the shopper might receive confirmation by e-mail – BBB recommends saving a copy of the Web page and any e-mails for future reference and as a record of the purchase.

9. Check your credit card statements often – Don’t wait for paper statements; BBB recommends consumers check their credit card statements for suspicious activity by either calling credit card companies or by checking statements online regularly.

10. Know your rights – Federal law requires that orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If the goods aren’t shipped on time, the shopper can cancel and demand a refund. There is no general three-day cancellation right, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, it’s the company’s policies that determine if the shopper can cancel the purchase and receive a refund or credit.

For more advice on staying safe online this holiday season, and to see reports on thousands of online retailers, go to bbb.org/us/consumer-tips-holiday/

Finding a Trustworthy Kennel to Board Your Pets

11/16/2010

Posted on 11/16/2010 by
As much as pet owners may want to take their furry or feathered friends with them where ever they go, sometimes you can’t take them with you and finding a kennel or pet care service you can trust is paramount. That’s why the Better Business Bureau has created a checklist to help pet owners choose a safe and reliable home-away-from-home for their pets.

Every year, BBB receives hundreds of complaints from pet owners about kennels. Common complaints include disputes over billing, but also over the treatment of the pet. Owners say their pets came back from poor boarding kennels severely dehydrated and malnourished or rife with fleas, ticks, and even maggots. Worst case scenarios include pets that became extremely ill from their stay at poor facilities which resulted in lengthy stays at the animal hospital.

“For many of us, our pets are like family and leaving them in the care of someone else can be nerve-wrecking and the stress can overshadow your whole trip,” said Paula Fleming, BBB spokesperson. “Taking a few moments to do your research and find a kennel you can trust will make your time out of town much easier for you and your pet.”

If you are looking for a reliable kennel, the BBB recommends the following checklist:

Check the kennel out with the BBB first to make sure they have a good track record for keeping customers satisfied.

Ask your friends, neighbors, veterinarian or local animal shelters for recommendations. Also, the Pet Care Services Association website has a pet service locator that may be helpful in your search.

Personally visit the facilities. Check for cleanliness and offensive odors, and note the overall safety of the kennel and cages.

If your pet is prone to running away, ask about steps the kennel has taken to make their facilities escape-proof.

Ask about how your pet may come in contact with other animals. Some kennels let animals play together while others keep them separate at all times.

If your state requires inspections look for the certificate on the wall and make sure the kennel is properly licensed.

Ask about the feeding schedule, water accessibility and frequency of – or fees related to – exercise.

Note the friendliness of staff members and how they interact with the other boarding pets. Ask about their background and experience.

Make sure the facility requires that all entering pets have proof of immunization and ask about their policies regarding flea and tick control.

Ask about the hours for drop off and pick up and make sure you understand their billing policy.

Finally, ask what happens in the case of a medical emergency or other unexpected situation.

For more advice on finding reputable businesses around the holidays, visit us online at bbb.org/us/consumer-tips-holiday/

Protect your Debit Number from ATM Skimming

11/15/2010

Posted on 11/15/2010 by
Even if you’re choosy about which ATMs you use, you can still become a victim of identity thieves who place seamless devices on machines to steal debit card information. ATM skimming is a growing problem and the Better Business Bureau recommends consumers take a few steps to protect themselves from becoming the next victim.

According to Bankrate.com, ATM skimmers are close to reaping $1 billion annually from unsuspecting consumers. Javelin Strategy & Research estimates that one in five people have become victims.

Identity thieves tamper with ATMs in any number of different ways in order to steal debit card numbers and PINs. It only takes a few seconds to install cameras over the keypad or a device over the card reader. ATMs aren’t the only hot spots, credit card swipers at gas pumps and retailers can be tampered with as well.

“Skimming devices are becoming increasingly harder to detect and often blend in seamlessly with the ATM,” said Paula Fleming, BBB spokesperson. “If you’re going to use an ATM, you could become a victim, and it’s important to monitor your accounts closely so you can quickly detect any fraudulent activity on your card and minimize your losses.”

Following are a few ways to fight identity thieves at the ATM:

Protect your PIN – When entering your PIN, cover the keypad with your other hand to prevent any cameras from catching your digits. False keypads placed over the real keypad are also a way scammers get PIN numbers so if the keypad looks different, move on.

Give it a wiggle – Skimming devices are often false panels attached to the ATM—such as where you put your card into the machine. If parts of the ATM look damaged or different, give it a wiggle. Also look for new or suspiciously placed cameras and unusual signage. Don’t hesitate to walk away and use another ATM if it doesn’t feel right.

Be picky with your ATMS – Avoid using ATMs in poorly lighted or low trafficked areas. Experts often recommend choosing a bank ATM over standalone ATMs in public places. Not only do identity thieves attach devices to legitimate ATMs to steal numbers. They will also place their own phony ATMS in public places.

Keep an eye on your statements – The most vigilant person can still fall victim to ATM skimmers, and it’s important to always keep a close eye on your accounts—particularly the itemized breakdown of charges and debits—so that you can quickly report any suspicious activity on your account.

Report Fraud Immediately – Report any fraudulent activity to your bank as soon as you discover it. Consumer protections for debit cards vary but depend largely on when you report the fraudulent activity. If you wait too long to report the fraud, your bank account could be cleaned out and your bank might not reimburse you.

For more advice on fighting identity thieves and preventing fraud, visit us online at www.bbb.org/us/consumer-tips-scams/

Five Steps to Create and Keep a Holiday Budget

11/11/2010

Posted on 11/11/2010 by
Unless you’re among a select group of people, sitting down and creating a budget does not sound like very much holiday fun. Nevertheless, in tough economic times, the Better Business Bureau recommends that mapping out your spending in November will help ease the strain of a financial holiday hangover in January.

According to a survey by Consumer Reports, shoppers planned on spending about $699 over the holidays last year, but, in a follow-up survey, admitted to actually spending closer to an average of $811, 16 percent more than planned. Creating a budget, and being disciplined enough to follow it, is one of the best ways to avoid overspending during the holidays.

“While it isn’t the most festive way to spend an evening, sit yourself down with a mug of eggnog and crunch the numbers, because tough economic times mean that you literally can’t afford to spend with abandon,” said Paula Fleming, BBB spokesperson. “Building a budget and sticking to it over the holidays will stave off a painful financial holiday hangover.”

Step One: Consider your Income.
The first step is to measure how much money is coming in. Add up your monthly salary along with your spouse’s and any child support payments, dividends or interest payments and other sources of income.

Step Two: Add up regular monthly expenses.
Adding up expenses is usually harder than determining your income because there are so many more factors to consider. Start with your rent or mortgage, utilities and credit card payments. Also factor in other expenses for gas and car maintenance, healthcare and groceries. A full list of monthly expenses to consider is available at www.bbb.org/us/article/tips-on-how-to-develop-a-working-budget-6101

Step Three: Estimate Extra Holiday Expenses.
A lot of little purchases have a way of adding up over the holidays and it’s important to consider all of the expenses of the season including:

• Gifts - Make an itemized list of everyone you want to buy presents for and estimate how much you’re willing to spend for each. This includes presents for family, friends and coworkers. Also consider the cost for holiday cards and postage.

• Entertaining - Entertaining is big over the holidays. Think about who you’ll be having over and also budget for any food or beverages you might need to bring to someone else’s party. Also consider the costs for eating out and going to the movies—both popular expenses over the holidays.

• Decorations - Take stock of what you already own and then consider any additional spending you might need to make for a tree, lights, ornaments, wrapping paper, etc.

• Travel - If you’re heading out of town for the holidays, consider the cost of travel including any car maintenance or pet boarding if applicable.

• Charitable Donations - The holidays are a time of giving, so budget in how much you plan on donating to a worthy cause. You can learn more about being a savvy donor from the BBB Wise Giving Alliance.

Step Four: Revisit, evaluate and revise your budget along the way.
Once you’ve added up your income and your expenses, it’s time to compare. If more is going out than coming in, it’s time to go back over your budget and pare down expenses. Consider giving fewer gifts or less expensive ways of entertaining. Last year’s decorations are also probably just fine. Once you’ve balanced your budget, revisit it frequently over the holidays to make sure you’re sticking to it. You might find that you over estimated in some categories and underestimated in others.

Step Five: Reward yourself. Work into your budget a small reward that you can earn if you meet your goals.
If you don’t meet your goals, you can guess where that money is going instead: Paying off your credit card bill in January.

More advice on saving money over the holidays is available online at www.bbb.org/us/consumer-tips-holiday/

How to Get a Temporary Job Over the Holidays

11/5/2010

Posted on 11/5/2010 by
Many job hunters will get an early present this year as retailers are increasing the number of hires for the holiday season. Competition for these jobs will likely be fierce, and the Better Business Bureau recommends applying early and taking steps to put your best foot forward.

According to the Los Angeles Times, many retailers are looking for more seasonal employees this year than in previous years. Toys R Us alone is hiring 45,000 holiday employees and other retail giants are hiring 20 or even 30 percent more seasonal staff than last year. According to the outsourcing firm, Challenger, Gray, and Christmas, as many as 600,000 people are expected to get holiday jobs this year.

“The holiday season will create a much welcome bump in the number of job openings, particularly in the retail and restaurant industry,” said Paula Fleming, BBB spokesperson. “While the jobs are usually temporary, this is great news for struggling families and people who have had problems finding work.”

BBB offers the following advice for job hunters this holiday season:

Start the job search earlier rather than later.
The key to landing a seasonal job is to start searching early. Retail, shipping, restaurants and catering companies are common sources of seasonal employment and now is the time for job hunters to determine which job suits them best, identify companies they’d like to work for and then begin submitting applications and resumes.

Work where you shop.
Try to identify seasonal employment with businesses you actually shop at or frequent. You will already be familiar with the company and its products and, secondly, discounts available for employees mean significant savings when shopping for Christmas gifts. Discounts can range from 20-40 percent for seasonal employees.

Put your best foot forward.
Even if you are just picking up an application at stores in the mall, dress your best and be prepared for an interview. This includes being familiar with the company’s brand and its products. Retail job hunters in particular need to focus on impressing potential employers with their customer service skills—which is a must when dealing with stressed-out shoppers, long check-out lines and day-after-Christmas returns.

Be flexible.
Full-time employees usually have first dibs on the preferred hours and shifts, so, as a seasonal employee, expect to work long, sometimes inconvenient hours including working on Thanksgiving and Christmas Eve. If this is a second job in addition to your day job, be upfront and clear with your new employer about your available hours.

For more advice on making it through the holidays, visit us online at bbb.org/us/consumer-tips-holiday/

How to Find a Pest Control Company You Can Trust

11/3/2010

Posted on 11/3/2010 by
Not satisfied with the comforts of home, bedbugs are migrating to public places like movie theaters and retail stores and then hitching rides on unsuspecting consumers. Not only are bedbugs a growing problem, they are also a hard problem to get rid of. Better Business Bureau recommends doing your research to find a pest control company you can trust to get the job done efficiently.

According to a recent survey by the Pest Management Association, 95 percent of exterminators had encountered a bed bug infestation in the previous year—compared to only 25 percent of respondents ten years prior. While homes are the most common place for infestations, bedbugs also invade hotels, movie theaters, clothing stores and offices.

“When you discover an infestation in your home or business, you want to act quickly and get a professional in there fast,” said Paula Fleming, BBB spokesperson. “Despite the urgency of the problem, you still need to do your research and make sure you are enlisting the help of a qualified and trustworthy pest control specialist.

When hiring a pest control company, BBB recommends that home and business owners consider the following:

Start with BBB.
Always research a business with your BBB first. BBB maintains reports on good and bad exterminators across North America. You can use BBB’s Accredited Business Locator to quickly find local companies that uphold BBB’s standards for ethical business practices.

Credentials count.
Make sure the exterminator has sufficient training and certifications. Ideally, the company will also be a member of a national or local trade association. Also research the company with your local pest control regulatory board.

Ask about liability insurance.
Find out how the company is covered, and how you will be reimbursed, if they happen to break any of your belongings or damage your home.

Get educated.
Make sure that you completely understand the extent of the infestation as well as the possible remedies and side effects of any chemicals used. Do your own research online into the problem and possible solutions.

Read the fine print.
Always read the find print carefully and don’t just take a representative word for it. Pay close attention to any warrantees or termination fees if entering into an extended contract for monitoring or future services.

For more advice on hiring home maintenance professionals, visit bbb.org/us/consumer-tips-home/

Fighting Cold and Flu Season in the Workplace

11/3/2010

Posted on 11/3/2010 by
Cold and flu season is setting in and the close quarters of the workplace allow coworkers to easily trade germs. Better Business Bureau recommends that business owners take a few simple steps to prevent illnesses from spreading and promote productivity throughout the workplace.

According to the National Institutes of Health every year there are more than 1 billion cases of the common cold in the United States. The flu also affects 5 to 20 percent of Americans every year with the peak season starting in late November, according to the Center for Disease Control

“Fighting germs around the office is about keeping your employees safe and maintaining productivity throughout the peak cold and flu seasons,” said Paula Fleming, BBB spokesperson. “Encouraging proper hygiene and a liberal leave policy will help maintain a happier, healthier workplace.”

BBB recommends taking the following steps to protect employees during cold and flu season:

Build up an arsenal to fight germs. Kleenex, hand sanitizer, and products for cleaning work spaces are three basic purchases employers can make for fighting germs around the office. Also consider investing in no-touch trashcans.

Encourage people to stay home. Sick employees may think they’re being dedicated workers when they still come into work but, the truth is, they spread germs to other employees and cut down on the overall productivity of the business. Encourage employees to stay home when they are sick at least 24 hours after they no longer have a fever or severe symptoms. Consider instituting a flexible leave policy—and appropriate technology—that allows employees to work from home if they or their kids are sick.

Promote good hygiene around the office. – Remind everyone of the importance of hand washing and covering your mouth if you sneeze or cough. Encourage employees to regularly clean shared equipment such as phones and computers and wipe down common areas. Post friendly reminders around the workplace in languages that all employees can easily understand.

Encourage flu shots. Contact your local hospital to see if they provide on-site flu shots or consider reimbursing some or all of the cost for employees to get a shot on their own time.

Hold a health fair. Contact your local hospital to see if they provide health fairs for larger offices. You can also contract the coordination of an on-site health fair with a company specializing in the service.

Set a good example. Now that you’ve asked everyone to wash their hands regularly and stay home if they’re sick, it’s important as the business owner that you follow your own advice. When you’re the boss it can seem like an impossible task to take a sick day, but stay home and keep your germs out of the workplace.

For more advice on providing a safe and healthy workplace, visit us online at bbb.org/us/Business-Tips-Index/

Identity Theft Continues to Victimize Millions Each Year

10/19/2010

Posted on 10/19/2010 by
When something happens 10 million times per year, it’s worth noting, and in recent years, that’s how many victims of identity theft have reported the abuse to the Federal Trade Commission (FTC). Further, ID theft has remained the number one complaint to the FTC for the past five years.

It can start the old-fashioned way with lost or stolen wallets, pilfered mail, or through documents thrown out by you or a business (dumpster diving). A consumer may also be victimized through more high-tech crimes including a data breach, computer virus, phishing or an Internet scam. Once the personal information is stolen, the crime can result in check fraud, credit card fraud, financial identity theft, criminal identity theft, governmental identity theft and medical identity theft.

Recognizing that awareness and education are essential tools necessary for consumers to protect themselves against ID theft, the National Foundation for Credit Counseling (NFCC) has teamed with the Council of Better Business Bureaus (CBBB) to host the third annual Protect Your Identity Week October 17-23. The week will consist of more than 175 local events in communities across the nation where consumers can take part in educational workshops, credit report reviews, responsibly recycle unused cell phones and have their personal documents shredded for free.

Consumers are urged to visit ProtectYourIDNow.org where they can locate events in their area, find useful prevention tips, victim resources, and take a quiz to assess their own risk of becoming the next identity theft victim. Advice in Spanish is also available at cuidesuidentidad.org.

“A recent NFCC online poll revealed that a majority of Americans fear identity theft, and that is a healthy fear to have if it leads them to take action,” said Bob Ensinger, COO of the NFCC. “The upcoming educational events should go a long way toward helping consumers protect themselves from the ever-present danger of identity theft.”

“BBB is committed to helping consumers fight fraud and identity theft is one of the largest threats we all face every day,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “There are a few precautions that we can all take to protect ourselves, and taking part in Protect Your Identity Week is one easy first step to make.”

As part of Protect Your Identity Week, Cintas Corporation, national shredding partner for PYIW, is providing free document destruction at events nationwide with the goal of making the Guinness Book of World Records for the most paper shredded in a 24-hour period.

Additionally, Intersections, Inc., a leader in consumer and corporate identity theft management services that also provides the award-winning Identity Guard® brand, serves as a presenting sponsor of Protect Your Identity Week 2010, and Wireless Alliance, national electronic device recycling partner, is providing free cell phone disposal at many community events. MSN Money is once again serving as the national media sponsor for PYIW.

A number of national organizations are also putting their weight behind this initiative, joining the NFCC and BBB as Supporting PYIW Coalition Members. This Coalition includes: American Bankers Association Education Foundation, American Financial Services Association Education Foundation, American Payroll Association, Consumer Action, Consumer Data Industry Association, Consumer Federation of America, Credit Union National Association, Federal Reserve Board, Federal Trade Commission, FICO, Foundation for Financial Planning, Identity Theft Assistance Center, Identity Theft Resource Center, Jump$tart Coalition for Financial Literacy, Junior Achievement USA, National Association of Triads, National Council of La Raza, National Crime Prevention Council, National Education Association Member Benefits, National Sheriffs’ Association, the Office of the Comptroller of the Currency and the Social Security Administration.

For more information or to schedule an interview, contact Gail Cunningham with the NFCC at 940-691-6322.

Five Ways to Fight Back Against Phone Bill Cramming

10/5/2010

Posted on 10/5/2010 by
Sneaky little charges are making their way onto telephone bills and can go unnoticed for months. Victims of so-called “cramming” often face a tough battle to stop being billed every month and start getting their money back. In order to fight cramming, Better Business Bureau recommends keeping a close eye on every bill and being extremely cautious when giving out personal information such as phone numbers.

“You might think that nothing bad can happen from giving out your telephone number, but you should guard those digits like you would a credit card or social security number,” said Paula Fleming, BBB spokesperson. “Monitor your monthly statements closely because even if you are very protective of your personal information, cramming can still strike.”

Cramming is on the rise, according to the Chief of the Consumer and Governmental Affairs Bureau of the Federal Communications Commission during an interview with Herb Weisbaum, consumer reporter for MSNBC.com. Cramming can come from any number of sources. Some victims may have inadvertently signed up for a subscription service—such as for “free” ringtones or a daily joke or horoscopes--not realizing they’d be billed every month. The Federal Trade Commission recently cracked down on one company that used telemarketers to convince people into signing up for “free” trial services. Calling a psychic hotline or entering a sweepstakes can also lead to cramming. Unfortunately, in some cases, the victim is just an unlucky random target.

BBB recommends taking the following five steps to fight cramming:

• Keep a close eye on monthly statements. Anyone can become a victim of cramming so monitoring you monthly bills is extremely important. The sooner you spot the charges, the sooner you can fight them.

• Know your rights. Contact your telephone provider to see if you can completely restrict third-party billing on your account.

• Know whom you can trust online. Before handing over any personal information online, always research the business with your BBB at http://www.bbb.org/us/Find-Business-Reviews/.

• Guard your personal information closely. Be wary when asked to provide personal information to sign up for a free trial or enter a sweepstakes. Always read the fine print on any offer so you understand how your personal information may be used.

• Know where to complain. If you are unable to resolve the issue either through your telephone provider or directly with the business, file a complaint with the FCC for charges related to telephone service and FTC for all other cramming charges on your phone bill. You can also file a complaint with BBB.

For more advice on managing personal finances and protecting your wallet, visit us online at http://www.bbb.org/us/consumer-tips-finance/.

Mail-In Rebates: Now Available in Paper or Plastic

10/1/2010

Posted on 10/1/2010 by

Once the excitement of the holidays wears off, it’s time to start reaping the promised rewards of mail-in rebates. Retailers and manufacturers are changing the way they issue rebates and Better Business Bureau advises that it’s more important than ever to read the fine print when filing for a rebate.

“Rebates are a great way to get a deal, but they can also be a great source of frustration for consumers,” said Paula Fleming, vice president of communications and marketing for BBB. “By acting quickly to redeem the rebate and reading the mail-in instructions carefully, consumers can significantly reduce the stress associated with redeeming rebates.”

According to CreditCards.com, retailers and manufacturers are increasingly opting to provide rebates in the form of pre-loaded cards as opposed to paper checks. Unlike checks, which can be deposited in a bank and used to pay bills, to get the benefit, consumers must spend. These cards can often only be used where credit cards are accepted. In most cases, the cards can be used at any merchant—much like a debit card—but some retailers are also handing out rebate cards that can only be used at their stores. The cards may also have expiration dates and added fees that could whittle down their value.

In the previous 12 months, 70 percent of consumers have taken advantage of manufacturer rebates on products, according to a recent survey by Consumer Reports. The national telephone survey also found that, of those who applied for a rebate, 21 percent of people were unsuccessful. Typically, consumers simply didn’t receive anything or were turned down because of a technicality.

BBB offers the following advice to holiday shoppers on how to make the process of redeeming rebates as painless as possible:

Don’t wait. Some rebates have a time window in which they can be redeemed or must be redeemed within a certain amount of time following purchase. Waiting also increases your chances of misplacing necessary receipts or packaging.
Read the instructions carefully. The guidelines for redeeming a rebate can be extensive and missing steps may delay the process or result in loss of the rebate. Be sure to indicate how you want to receive the rebate—such as if a gift card is the default option—and include all the necessary paperwork and proof of purchase. Also make a point to thoroughly read the fine print details that are included when you receive your rebate card or check in the mail.
Keep the packaging. Rebates often require UPC bar codes or other parts of the packaging to be included with the paperwork for processing, so don’t throw boxes away until you’re sure you don’t need them.
Make copies of everything. Keep a copy of all the paperwork you mailed back to the retailer or manufacturer for the rebate. It’s the only record you’ll have of the transaction if anything goes missing.
Contact the business if the rebate doesn’t arrive. Some retailers and manufacturers use third-party fulfillment companies for processing rebates so keep in mind that you might be dealing with a different business when it comes to tracking down your rebate.
Help is available if you need it. If the rebate never arrives or is significantly late, file a complaint with BBB, the Federal Trade Commission or your state Attorney General.

For more advice on being a savvy consumer this holiday season, visit bbb.org.

Be a Savvy Bidder When Hunting Down This Year’s Must-Have Gifts Through Online Auctions

10/1/2010

Posted on 10/1/2010 by

Online auctions can be a great place for finding deals at any time of year, but over the holidays such sites become hot spots for tracking down popular and hard-to-get gifts — such as new game consoles or must-have toys. Better Business Bureau offers advice to shoppers on how to avoid getting ripped off when searching for bargains and hard-to-find presents through online auctions.

“Online auctions can sometimes be the only place to find that must-have gift of the season,” said Paula Fleming, vice president of communications and marketing for BBB. “Whenever demand for a specific item over the holidays reaches a fever pitch, it provides a great opportunity for scammers.”

According to Jupiter Research, $38 billion will be spent on items auctioned through eBay alone in 2009. For most buyers and sellers, the transaction is successful; however, online auctions can be fertile ground for scammers. In 2008 half of all complaints to the FBI related to online fraud were the result of online auction fraud and non-delivery of merchandise.

When bidding online for holiday gifts, BBB recommends that shoppers:

Find out how the auction site protects buyers and sellers from fraud. A responsible online auction site will take steps to protect both buyers and sellers from fraud. Find out what actions the auction site will take in your defense if you become a victim of an unscrupulous seller.

Compare the cost of the item elsewhere. Scammers will often price their items lower than the competition in order to lure in buyers. A lowball minimum bid for an item should be considered a red flag.

Research the seller. Online auction sites often provide the opportunity for buyers to rate sellers and provide feedback on the transaction. These reviews are a great way to determine the seller’s track record, but keep in mind that reviews are typically not authenticated and some sellers will pay for flattering reviews in order to mislead buyers.

Ask plenty of questions. When in doubt, don’t be afraid to ask the seller questions about the item, including how they came to own it, its condition and if you can return it if you’re not satisfied. Also find out whether the cost of shipping is included in the bidding price and, if not, clarify what the added delivery cost will be.

Don’t be lured away from the auction site. In some cases, scammers will try to convince bidders to complete a transaction outside of the auction site, perhaps by telling losing bidders that the seller actually has more of the same item available. Leaving the Web site means you are no longer covered by the protections and guarantees provided by the auction business.

Use a secure form of payment. Use a credit card or a secure payment service, such as PayPal, when purchasing items through an online auction. If the seller insists on using an escrow service, always research that business fully with BBB. Never wire cash payments — such as through MoneyGram or Western Union —to someone you don’t know.

For more guidance you can trust on how to shop safely online, visit bbb.org.

BBB's Top Ten New Year's Resolutions for a Consumer-Savvy 2010

10/1/2010

Posted on 10/1/2010 by

The New Year is here and, because of the rough economy, it’s more important than ever to resolve to be a savvy consumer. Better Business Bureau offers the following ten New Year’s resolutions to fight scammers, prevent identity theft and save money in 2010.

“Being a savvy consumer is ultimately about using money wisely and, in this tough economy, many families are quickly learning how important it is to squeeze as much value as possible out of a dollar,” said Paula Fleming, BBB spokesperson. “Creating a budget, researching businesses before you buy and staying away from scammers should be among everyone’s resolutions this year.”

BBB recommends the following New Year’s resolutions to become a savvier consumer in 2010:

Beware of “job” offers to make easy money. Unemployment in the nation is high and scammers are targeting the large pool of job hunters. Beware of any job offer, work-at-home scheme or business opportunity that promises big money for little work and no experience.
Look for the BBB seal and always check a business out with BBB before you buy. Nearly 400,000 businesses bear the BBB seal of accreditation and meet our standards; you can find the seal on Web sites and at business locations. But BBB doesn’t just report on accredited businesses. You can locate trustworthy businesses by visiting bbb.org to find your local BBB; from there you can review BBB Reliability Reports for nearly 4 million businesses across North America.
Always read the fine print—especially for “free” trial offers. Thousands of consumers complained to BBB in 2009 after signing up for a “free” trial offer online that resulted in repeated charges to their credit or debit cards sometimes amounting to as much as hundreds of dollars every month. Read the terms and conditions of any “free” trial offer before handing over credit or debit card numbers.
Keep your computer safe. If you haven’t already, install anti-virus software onto your computer and don’t forget to regularly check for software and operating system updates and patches. Don’t open attachments or click on links in e-mails unless you can confirm the e-mail came from someone you trust.
Never wire money to someone you don’t know. Many scams require that the victim wire money back to the scammers. Scammers know that tracking money sent via MoneyGram or Western Union is extremely difficult. Even more troubling for victims is the fact that it’s nearly impossible to get your money back.
Fight identity theft. Always shred paper documents that include sensitive financial data and dispose of computers, cell phones and digital data safely. BBB offers tips and checklists on what to shred, and hosts annual Secure Your ID events nationwide to help you stay safe.
Ask BBB for help. File a complaint with your BBB if you have a disagreement with a business or have been ripped off by a scammer.
Create a budget and stick to it. If you’re a cash-strapped consumer, setting a budget can help you stay afloat in 2010. BBB has advice on how to create a budget to help you get out of debt and stay out of debt at bbb.org.
Fight fake check fraud. Thanks to advances in printing technology, scammers have the ability to create very real-looking phony checks. Educate yourself on the common types of check fraud and be extremely wary of checks that come with claims that you’ve won the lottery, are eligible for a government grant or have landed a job as a secret shopper.
Get everything in writing. Don’t just take a business’ word for it. Get every verbal agreement in writing to limit miscommunication and misunderstandings between your expectations and what the business delivers.

For more advice you can trust from your BBB, visit bbb.org.

Don't Get Ripped Off When Buying Electronics Online: BBB says know the red flags of a scam site

9/24/2010

Posted on 9/24/2010 by

This holiday season, everyone will be on the hunt for the best deals. Better Business Bureau warns online shoppers that some deals online for electronics are too good to be true. BBB is advising holiday shoppers to keep an eye out for five red flags of unscrupulous consumer electronics stores.

Shoppers are increasingly heading to the Internet to look for deals. According to a survey from Burst Media, 85.3 percent of respondents will shop online this holiday season. Because of the economy, holiday spending is expected to drop slightly this year from 2008, and some industry experts predict that retailers will make deep price cuts, particularly on electronics, to lure in shoppers. Unfortunately, not all Web sites promising rock bottom discounts on electronics are legitimate and consumers need to do their research when shopping online or they risk getting ripped off by a scammer’s online store.

“Despite the economy, consumer electronics are still expected to be on many holiday shopping lists,” said Paula Fleming, vice president of communications and marketing for BBB. “Everyone will be looking for the best deals this year and scammers know that they can take advantage of that by using low prices to lure in victims.”

BBB recommends consumers look for the following red flags when identifying suspect electronics Web sites:

The prices for items are too good to be true. Everyone is looking for a bargain on electronics and scammers use tantalizingly low prices to lure victims in. If the prices for items are well below those of trusted competitors, it’s a sign to walk away.

Spelling and grammatical errors abound. Some phony electronics Web sites are created by scammers overseas. As a result, the Web sites, or spam e-mails directing shoppers to the site, might have many grammatical mistakes or spelling errors.

The business accepts payment via wire transfer only. Scammers often ask victims to wire payment through Western Union or MoneyGram because the money cannot be easily tracked or retrieved in the case of fraud. BBB recommends always using a credit card to pay for electronics online. If the Web site turns out to be fraudulent, you can dispute the charge with your credit card carrier and hopefully get your money back.

The business has a bad rating with BBB. Always review the business’s reliability report online at www.bbb.org to find out what rating it has received from BBB. If you don’t find a BBB Reliability Report®, it doesn’t necessarily mean the business is fraudulent, but it may indicate the business has not been around for long or has yet to develop a track record with consumers.

The Web site fraudulently uses security seals. Scam websites will often display the seals from certification organizations such as VeriSign, IQNet or TRUSTe without authorization or falsely claim to be accredited by BBB. When shopping online you want to look for the seals of trusted organizations and confirm that the business’s use of the seal is legitimate.

You can typically do this by clicking on the seal which, if legitimate, will link you to a confirmation page on the certifying organization’s site. BBB warns, however, that some scammers have craftily created fake confirmation pages spoofing the real certifying organization’s site so make sure you really have been redirected to the legitimate site for verification by checking the Web address. Are you on the Web site of the certifying organization? If not, the use of the seal is likely unauthorized. Double check your conclusion by visiting the Web site of the certifier to find their list of legitimate seal holders.

When shopping online for electronics, always look for the BBB Accredited Seal—which shows that the business upholds BBB’s rigorous standards for marketplace ethics—and then visit BBB.org to confirm BBB accreditation.

For more advice on being a savvy online shopper, visit bbb.org.

Tips for Finding a Trustworthy Tax Preparer

9/24/2010

Posted on 9/24/2010 by

Most Americans will get assistance from a professional tax preparer or tax software when filing their taxes this year. Better Business Bureau encourages taxpayers to use caution when selecting tax preparation help or they may get hit with headaches and mounting fines and fees if the return isn’t correct or filed late.

According to the IRS, 80 percent of Americans enlist the help of a tax preparer or tax software when filing their taxes. Unfortunately, every year BBB receives thousands of complaints from consumers against tax preparers. Commonly, complainants state that the tax preparer made errors in their return which resulted in fines and fees.

“Even though the tax preparer completes the return, it’s the taxpayer who is ultimately responsible for the return’s accuracy and whether or not it’s filed on time,” said Paula Fleming, BBB spokesperson. “The fines, fees and hassles can mount if you choose an unreliable tax preparer and that’s why it’s important to do your research.”

BBB offers the following advice to find a trustworthy tax preparer:

Ask around. Get referrals from friends and family on who they use and check the BBB Reliability Report on tax preparation services at bbb.org.

Look for credentials. Ideally, your tax preparer should either be a certified public accountant, a tax attorney or an enrolled agent. All three can represent you before the IRS in all matters, including an audit. Also, find out if the preparer is affiliated with a professional organization that holds its members to a code of ethics.

Don’t fall for the promise of a big refund. Be wary of any tax preparation service that promises larger refunds than the competition, and avoid any tax preparers who base their fee on a percentage of the refund.

Think about accessibility. Many tax preparation services only set up shop for the months leading up to April 15. In case the IRS finds errors, or in case of an audit, you might need to be able to contact your tax preparer throughout the year.

Read the contract carefully. Read tax preparation service contracts closely to ensure you understand issues such as how much it is going to cost for the service, how the cost will be affected if preparation is more complicated and time consuming than expected and whether the tax preparer will represent you in case of an audit.

For more advice on finding professionals you can trust, visit bbb.org

Five Steps to Take When a Collector Comes Calling for a Debt You Don't Owe

9/14/2010

Posted on 9/14/2010 by
If a debt collector is contacting you about a debt you know you don’t owe, explaining your case can be an uphill battle. Whether it’s a matter of mistaken identity, an honest error or identity theft, the Better Business Bureau recommends taking five steps to fight back against erroneous debt collectors.

According to a 2010 report, the FTC received 119,364 complaints about third-party and in-house debt collectors last year, up from 104,766 in 2008. While complaints can be about any number of issues, trying to collect on a debt the consumer doesn’t owe is common. In a recent example, the FTC reached a million-dollar settlement with Credit Bureau Collection Services over accusations that the collection agency violated federal law by inaccurately reporting credit information and pressing consumers to pay debts they often did not owe.

“It can be an exhausting process to set the record straight on a debt you don’t actually owe,” said Paula Fleming, BBB spokesperson. “Because debts are often sold and resold to many different collection agencies over time, you may have to make the same case every few years when the debt trades hands again.”

If you’re receiving calls for a debt you don’t owe, it could be a case of mistaken identity. Perhaps you share the same name, or even inherited an old phone number of the person who actually owes the debt.

You could also be the victim of zombie debt—it could be that you paid the original debt off but it wasn’t recorded as paid, or the statute of limitations on the debt has expired and the debt collector is trying to get you to pay for a debt you can no longer be taken to court over.

A final common cause of being hounded for a debt you don’t owe is fraud. It could be that you have become a victim of identity theft and someone is opening up new lines of credit or buying items using your good name. Additionally, the “debt collector” calling could actually be an identity thief who is trying to get you to divulge personal financial information such as Social Security, bank and credit card numbers.

If you’re being pursued for a debt you don’t think you owe, BBB recommends taking the following five steps:

1. Request written proof of the debt. By law, a debt collection agency must provide you with a validation notice within five days of contacting you about the debt. If you would like to get verification of the debt, send a written request to the debt collector within 30 days after you receive the validation notice. This written proof can help you determine if the callers are actually identity thieves, or if you really do owe the debt. Once you have the name and contact information for the agency, confirm they are a legitimate debt collector with your BBB at bbb.org. After you confirm that you don’t owe the debt, advise the debt collector you do not owe the debt and advise them to stop contacting you (see step 4).

2. Correct any errors. After confirming you do not owe the debt, you may want to correct any incorrect submission related to the debt captured on your credit report. Contact the company that has provided the information to the reporting bureau by writing a detailed letter and include copies of pertinent documents which back your case. The FTC provides additional information on how to report errors at www.ftc.gov.

3. Weed out fraud and errors. Check your credit report with the three major credit reporting bureaus, Experian, Equifax and Transunion every year by visiting www.annualcreditreport.com. If you’ve been the victim of fraud or identity theft, you may also be eligible to view your reports for free. By keeping a close eye on your credit reports, you’ll be able to more quickly identify fraudulent activity or mistakes and make corrections before the debt collector calls.

4. Tell them to stop contacting you. According to federal law, a debt collector cannot continue to contact you—at work or home—if you tell them to stop. After confirming you do not owe the debt in question, you may cease all contact from the debt collection company by sending a letter (via certified mail) to the debt collector advising them to cease contact. Keep a copy of the letter and the return receipt for verification purposes. Any further contact to you from the debt collector except to advise you there will be no further contact, or to inform you that the agency is filing legal action, is a violation of the FDCPA.

5. File a complaint with the Federal Trade Commission. Familiarize yourself with the consumer protections provided under the Fair Debt Collection Practices Act. Included are rules that debt collectors may not make false or deceptive claims and must investigate the validity of a dispute over a debt. If a debt collector violates the law, report them to the FTC—the federal government’s agency overseeing fair debt collection practices. You should also file a complaint with your BBB at bbb.org.

For more information on taking control of your debt and managing credit effectively, check out BBB’s Managing Credit – Made Simpler.

Be Aware and Be Prepared: BBB Offers Guidance Through Hurricane Earl

9/13/2010

Posted on 9/13/2010 by
As Hurricane Earl continues to roar across the East Coast, BBB urges consumers to pay attention to evacuation notices, take necessary safety precautions and plan ahead to avoid potential scams in the wake of storm damage.

After a Natural Disaster
Once a natural disaster has occurred, getting your life back to normal can take days, weeks or even months. Not only must you cope with the direct effects of the event, but - because you are often at your most vulnerable - you need to protect yourself from those who would prey on your misfortune.

The damage caused by natural disasters such as fires, floods, earthquakes, hurricanes, and blizzards can often bring out the best in people, as strangers reach out to help others in need. Unfortunately, the aftermath of a crisis also brings out others who take advantage of those who have already been victimized. Some of the most common “after-disaster” scams involve home repairs, clean-up efforts and heating and cooling equipment.

Your Better Business Bureau has the following advice:
• Be wary of door-to-door workers who claim your home is unsafe. If you are concerned about possible structural damage in your home, have an engineer, architect, or building official inspect it.

• Prepare a written agreement with anyone you hire. It should delineate the work to be done, the materials to be used, and the price breakdown for both labor and materials. Review it carefully before signing. Never pay for all repairs in advance, and don’t pay cash.

• Always shop around for major repairs, and always get a Business Review from your BBB. If you have a problem with a business’s work, report it immediately to your Better Business Bureau, by telephone or through our website boston.bbb.org.

Post Disaster Scams
BBB warns consumers to be aware of post disaster scams, and to protect themselves and their loved ones from people who may try to take advantage of their situation.

"After natural disasters strike, we hear numerous reports of folks being victimized again, not by Mother Nature, but rather at the hands of unscrupulous people who see this as a money-making opportunity," said Paula Fleming, BBB Spokesperson. “Some of the most common post-disaster scams involve home repairs, clean-up efforts, heating and cooling equipment and flood-damaged cars.”

BBB is urging consumers to check businesses out before signing contracts for repair work. Consumers can check out a business at BBB report at bbb.org. Charity scams normally surface immediately after any disaster. Donors can use BBB's Wise Giving Alliance web site to see whether a charity meets BBB standards.

For more information visit bbb.org/naturaldisaster

Find a Roofer You Can Trust and Avoid Fraudulent Storm Chasers

9/7/2010

Posted on 9/7/2010 by
Your home can take a serious beating when a big storm hits and finding a roofing contractor you can trust isn’t always easy. Storm chasers and other door-to-door salesmen often peddle dubious deals that can cost homeowners thousands of dollars and create serious headaches. The Better Business Bureau recommends doing your research to avoid getting ripped off by an untrustworthy roofer.

Every year, homeowners research the trustworthiness of roofing contractors with BBB more than 2 million times—more than any other industry. Unfortunately, last year alone, BBB received more than 7,600 complaints about roofers from unsatisfied customers.

“Hail and wind damage from violent storms has taken a toll on homes across the country this summer and the cost of repairs can be in tens of thousands of dollars,” said Paula Fleming, BBB spokesperson. “When you’re spending that kind of money, it’s worth it to take your time and find a roofer you can trust.”

One company receiving hundreds of complaints this summer is American Shingle & Siding Inc. The company has solicited homeowners—often door to door—across the South and Mid Atlantic. A common sales tactic BBB has learned from complaints is to tell the homeowner that their roof is severely damaged—such as from hail—and that their insurance company will likely cover the cost. The homeowner is then required to sign a contract saying that they will hire American Shingle for the job.

Unhappy homeowners have complained that they signed over the check to American Shingle and the job was never completed, wasn’t completed on time or was poorly executed. The company recently announced that it is going out of business, but BBB warns that the roofer and its suspect business model might resurface under a different name.

When looking for a roofer you can trust, BBB recommends that homeowners:

Start Your Search with BBB. In addition to having Reliability Reports on tens of thousands of contractors—good and bad—across the US, you can also rely on BBB’s Accredited Business Locator to find trustworthy roofers in your area. BBB Accredited roofers have pledged to uphold BBB’s Standards for Trust and are contractually obligated to resolve all complaints filed with the BBB.

Vet the Contractor Carefully. Verify the business meets all state and local requirements including being licensed, insured and bonded. Also ask the business for references from recent jobs. Confirm whether or not the roofer will be subcontracting the job or relying on his or her own employees.

Beware of Storm Chasers. In the wake of a storm, fly-by-night repair businesses will solicit work, often door to door, in unmarked trucks. They might require advance payment and make big promises that they won’t deliver on.

Get at least three bids. Beware of lowball estimates that may potentially balloon over time or foreshadow shoddy work to come.

Recognize the red flags. Beware of any contractor that uses high pressure sales tactics or requires full payment upfront. Also avoid contractors that require you to get the necessary permits.

Make sure everything is in writing. Make sure that the full scope of the work is explained in the contract including cleanup and disposal of waste. All verbal agreements need to be included in the written agreement. Pay close attention to the payment terms, estimated price of materials and labor and any warranties or guarantees.

For more advice on hiring professionals you can trust, visit us online at bbb.org/us/consumer-tips-home/.

Be Brainy and Beautiful—Don’t Get Taken by a Modeling Scam

9/3/2010

Posted on 9/3/2010 by

Whether you’re interested in a modeling career, just want to make a few extra bucks or you think your child might have a future in acting or modeling, be on the lookout for scammers. The Better Business Bureau warns that some modeling agencies are just trying to make a fast buck and don’t deliver on promises of fame and fortune.

In the last three years, would-be models have researched agencies with the BBB more than half a million times. Unfortunately, BBB also received more than 2,000 complaints from people who feel they were misled by an agency into paying large upfront fees—often for headshots and portfolios—and received little or no modeling or acting work in return.

“Modeling can be a great way to supplement your income, but signing up with a deceptive talent agency can be a waste of time and money or, in the worst case scenario, put you in physical danger,” said Paula Fleming, BBB spokesperson. “Even if the agency tells you that you have ‘the look’, always take the time to do your research and don’t fall for empty promises.”

Common complaints to BBB about talent and modeling agencies often come from would-be models or parents who think their kids have star potential. Typically, they are told they need to pay upfront fees—such as for headshots—after which the agency will start finding them work. Complainants report that despite paying hundreds or even thousands of dollars in various upfront fees, the agency found them few, if any, jobs.

In an extreme example of a modeling agency opportunity gone horribly wrong, the BBB in Louisville has received complaints from local men who paid hundreds of dollars in upfront fees—or became indebted for these fees—to Models Today in exchange for the promise of landing modeling jobs. Instead, the young men stated that the owner, Russell Claxon, took shirtless photos of them in a park and never set them up with any jobs. Several complaints to BBB made reference to solicitation for prostitution or inappropriate sexual propositions and one victim told a local newscast that he was prostituted out by Claxon.

Before signing up with a modeling or talent agency:

Do your research – Always check the company out with your Better Business Bureau. Some states may require a talent agency or modeling school to be licensed and bonded; confirm the company meets those requirements if applicable.

Beware of big promises and high pressure sales pitches – In the modeling world, income is never guaranteed and jobs can be sporadic. Consider it a red flag if the sales pitch promises a lot of jobs and big earnings or uses high pressure tactics to get you to sign up without thinking it through first.

Read the fine print and get everything in writing – Take your time and read the agreement or contract carefully, paying close attention to details regarding refunds and your recourse if you are dissatisfied. Make sure that all verbal promises are in the agreement.

Get references – Ask for references from other satisfied clients who have a similar background and qualifications.

Complain if you’ve been ripped off – If you feel you’ve been misled by a talent or modeling agency, file a complaint with your BBB, State Attorney General and the FTC.

For more advice on finding businesses and services you can trust, go to bbb.org/us/Consumer-Tips/.

Be Aware and Be Prepared: BBB Offers Guidance Through Hurricane Earl

9/2/2010

Posted on 9/2/2010 by
As Hurricane Earl continues to roar across the East Coast, BBB urges consumers to pay attention to evacuation notices, take necessary safety precautions and plan ahead to avoid potential scams in the wake of storm damage.

After a Natural Disaster
Once a natural disaster has occurred, getting your life back to normal can take days, weeks or even months. Not only must you cope with the direct effects of the event, but - because you are often at your most vulnerable - you need to protect yourself from those who would prey on your misfortune.

The damage caused by natural disasters such as fires, floods, earthquakes, hurricanes, and blizzards can often bring out the best in people, as strangers reach out to help others in need. Unfortunately, the aftermath of a crisis also brings out others who take advantage of those who have already been victimized. Some of the most common “after-disaster” scams involve home repairs, clean-up efforts and heating and cooling equipment.

Your Better Business Bureau has the following advice:
• Be wary of door-to-door workers who claim your home is unsafe. If you are concerned about possible structural damage in your home, have an engineer, architect, or building official inspect it.

• Prepare a written agreement with anyone you hire. It should delineate the work to be done, the materials to be used, and the price breakdown for both labor and materials. Review it carefully before signing. Never pay for all repairs in advance, and don’t pay cash.

• Always shop around for major repairs, and always get a Business Review from your BBB. If you have a problem with a business’s work, report it immediately to your Better Business Bureau, by telephone or through our website boston.bbb.org.

Post Disaster Scams
BBB warns consumers to be aware of post disaster scams, and to protect themselves and their loved ones from people who may try to take advantage of their situation.

"After natural disasters strike, we hear numerous reports of folks being victimized again, not by Mother Nature, but rather at the hands of unscrupulous people who see this as a money-making opportunity," said Paula Fleming, BBB Spokesperson. “Some of the most common post-disaster scams involve home repairs, clean-up efforts, heating and cooling equipment and flood-damaged cars.”

BBB is urging consumers to check businesses out before signing contracts for repair work. Consumers can check out a business at BBB report at bbb.org. Charity scams normally surface immediately after any disaster. Donors can use BBB's Wise Giving Alliance web site to see whether a charity meets BBB standards.

For more information visit bbb.org/naturaldisaster

Scammers Target Job Hunters in Weak Economy

8/30/2010

Posted on 8/30/2010 by

As the unemployment rate hovers around 10 percent, the Better Business Bureau warns that scammers are taking advantage of the opportunity by preying on the unemployed. Identifying the common red flags of a scam is one way for job hunters to protect themselves and their wallet.

According to the Labor Department, new jobless claims in mid-August unexpectedly jumped to 500,000, an increase of 12,000 over the previous week. Not only did jobless claims rise suddenly, but the length of unemployment is bleak for many. According to a July report from the Bureau of Labor Statistics, nearly 45 percent of unemployed Americans had been out of work for more than 6 months.

“The dismal employment rate means that a lot of people are desperate for work and may be grasping for any job which creates a great opportunity for scammers,” said Paula Fleming, vice president and communications of the local BBB. “Not thoroughly researching a job opportunity can make a bad situation even worse and a victim can lose hundreds or even thousands of dollars to any number of job-related scams.”

BBB recommends looking out for the following seven red flags when searching for a job:

Red Flag: The employer offers the opportunity to become rich without leaving home
While many legitimate businesses allow employees to work from home, there are also a lot of scammers trying to take advantage of senior citizens, stay-at-home moms, students and injured or handicapped people looking to make money conveniently at home. Job hunters should use extreme caution when considering a work-at-home offer and always research the company with their BBB first at bbb.org.

Red Flag: The employer asks for money upfront
It is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. BBB often hears from job hunters who paid a phony employer for supposedly required background checks or training for jobs that didn’t exist. Always research the job thoroughly before opening up your wallet. Also be wary of job placement companies that ask for large upfront fees to find you a job.

Red Flag: The salary and benefits offered seem too-good-to-be-true
The adage holds true for job offers: if the deal sounds too good to be true, it probably is. Phony employers might brag about exceptionally high salary potential and excellent benefits for little work and no experience necessary in order to lure unsuspecting job hunters into their scam.

Red Flag: Employer e-mails are rife with grammatical and spelling errors.
Online fraud is often perpetrated by scammers located outside the U.S. Their first language usually isn’t English and this is often evident in their poor grasp of the language which can include poor grammar and the misspelling of common words.

Red Flag: The employer requires you to check your credit report
After posting their resumes online or responding to online job listings, many job hunters received what they thought was good news: an e-mail from an interested employer. In order to be considered for the job, the applicant has to check his or her credit report through a recommended website. The truth is, the e-mail is just an attempt to get the job hunter to divulge sensitive financial information or sign up for credit monitoring services.

Red Flag: The employer is quick to ask for personal information such as Social Security or bank account numbers
Some job seekers have been surprised to learn they’ve gotten a job without having to do a single interview. However, when the employer then asked for personal information in order to fill out the necessary paperwork, suspicions were raised – and rightly so. Regardless of the reason, a job applicant should never give out his or her Social Security or bank account numbers over the phone or email and only after they’ve confirmed the job is legitimate.

Red Flag: The job requires you to wire money through Western Union or MoneyGram or receive and forward suspicious goods
Many phony jobs require the employee to cash a check sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Whatever the reason though, the check might clear the employee’s bank account but will eventually turn out to be a fake and the employee is out the money he or she wired back to the scammers. BBB also warns against receiving and mailing suspicious goods—such as electronics or luxury items—overseas.

Three Easy Steps to Dispose of Office Electronics Safely

8/24/2010

Posted on 8/24/2010 by
Disposing of outdated office computers, printers and copiers the right way is not only important for protecting the environment, it also staves off the efforts of data thieves. Better Business Bureau explains the three steps necessary for small business owners to dispose of old office equipment safely and securely.

Electronics contain toxic poisons such as lead, mercury and cadmium which if they are just tossed into a landfill will eventually leak out and pollute the soil and water. According to the Environmental Protection Agency, 1.84 million tons of TVs, computers, printers, cell phones and other electronics were discarded primarily into landfills in 2007. Only 18 percent of discarded electronics were recycled that year, however, the EPA notes that e-cycling is growing in popularity perhaps due to mandatory programs in some states.

“When tossing old electronics you need to consider both the environmental and data security concerns,” said Paula Fleming, BBB spokesperson. “Computers, cell phones and copiers not only contain toxic chemicals that can pollute the environment, they also contain a wealth of information that data thieves would love to get their hands on.”

BBB recommends taking the following step to ensure that all hazardous and data sensitive office equipment is disposed of the right way:

Step 1: Identify hazardous and data-sensitive electronics
The following office equipment contain toxic materials or sensitive data and should be recycled responsibly and not just tossed into the garbage:

Computer CPUs
Mobile phones
Copiers, Printers and Fax Machines
Monitors, Keyboards, Speakers and Mice
Landline phones
Computer cables and wires
TVs, VCRs, DVRs and stereos

Step 2: Destroy Sensitive Data
While most electronics have toxic components, some also contain sensitive business information stored in the product’s hard drive. Ensure that any data has been wiped before getting rid of the following electronics:

Computers: You can purchase inexpensive software to wipe a computer’s hard drive, but the data could still be retrievable to a determined person. If you have extremely sensitive information that you don’t want getting into anyone’s hands, the most secure way of destroying the data is to remove and physically destroy the hard drive.

Copiers and Printers: Copiers and printers have internal hard drives that save digital copies of the documents it has printed. Consult the manual to find out how to wipe the memory; you can also use third-party software to overwrite the hard drive. The most secure way of erasing data is to physically destroy the hard drive—as long as you don’t lease the product. If you lease, consult with the company on how your data will be erased.

Mobile Phones: Consult the owner’s manual or search online for directions on how to wipe the phone’s memory. Remove the SIM card if your phone has one.

Step 3: Dispose Properly
When it comes to actually getting rid of outdated office electronics, there are many options available depending on the condition of the item, the retailer, the manufacturer and, in some cases, state laws. Following are the main disposal methods to consider:

Donate – Schools, charities and community organizations can use your electronics—such as computer equipment, phones, copiers and printers—as long as they are in proper working condition. Your donation may even be tax deductible.

Recycle – There are many companies across the country that break down and recycle old electronics for free. They usually have drop off locations or you may even be able to schedule a pick up if you have many heavy items. To locate a BBB Accredited e-cycler visit www.bbb.org/us/bbb-accredited-businesses. Many states also offer e-cycling programs—some of which are mandatory. A list of state programs are available on the EPA’s web site: http://www.epa.gov/osw/conserve/materials/ecycling/live.htm

Return – Some manufacturers including Cannon and Apple and even retailers such as Best Buy and Costco provide “take back” programs to help customers recycle their old products safely and cheaply. Every major cell phone carrier will also take your old cell phone and donate it to a charity or have it disposed of properly. The EPA has a list of manufacturer and retailer programs online at http://www.epa.gov/epawaste/conserve/materials/ecycling/donate.htm

Resell – While more labor intensive, you may be able to make a little money selling your electronics through auction websites or online classifieds. Be wary if any buyers overpay or ask you to wire money for any reason.

For more small business advice on how to manage data check out Data Security – Made Simpler at www.bbb.org/data-security

BBB Helps Consumers Prepare for the Annual Sales Tax Holiday

8/11/2010

Posted on 8/11/2010 by
The cost of back-to-school supplies can add up quickly, but families shopping this weekend will save some money by being able to purchase eligible goods sales tax free. Massachusetts annual tax-free weekend, or sales tax holiday, begins this Saturday, August 14 and runs through Sunday, August 15.

"Tax free weekend offers a great opportunity for families to start thinking about the upcoming school year and purchase the necessities for their students’ success without the additional cost of sales tax,” says Paula Fleming, vice president of communications and marketing of BBB serving Massachusetts. "To take advantage of the savings, families should create their shopping list in advance and stick to it. This will ensure that they get everything needed and that everything on their list qualifies as tax-free."

BBB offers tips for navigating through the aisles of school supplies this weekend:

Take inventory. Before hitting the stores, families should take inventory of items they already have. There may be reusable supplies leftover from the previous school year that can be used.

Set a budget. Math class should begin before the bell rings. Budgets for school costs should be planned in advance. Include students in the process of creating the budget to help them learn responsible money management.

Shop with a list. Create a back-to-school shopping list for each student and stick to it. Shopping with a list will help families stick to their budget, avoid costly impulse purchases and ensure that nothing is forgotten. (Before hitting the stores, make sure that you are taking advantage of all items that are tax free.)

Know what the school allows. Schools will often provide a list of required items for the school year which can help determine what needs to be purchased. These lists are also available at many of the retail stores and on the school’s website. Additionally, many schools have dress codes or items they will not allow on campus, so families should keep these restrictions in mind before spending money on clothing, electronics or other items a student may not be able to use.

Check for refund and exchange policies. Some stores will give extra incentives and discounts to bring in business this weekend. Make sure refunds and exchanges will be offered for special discounted items if there is a problem. These policies vary from store to store, so make sure you are familiar with each store’s guidelines before making a purchase.

For additional budgeting and shopping tips, visit bbb.org/us/consumer-tips-product-purchasing/

BBB Warns Against Five Scams Targeting Senior Citizens

8/9/2010

Posted on 8/9/2010 by
Fraud targeting senior citizens is a growing concern as millions have fallen victim to scammers. Better Business Bureau encourages families to keep the lines of communication open with their elders regarding finances and to recognize some common cons targeting senior citizens.

According to a June 2010 survey by Investor Protection Trust, more than 7.3 million senior citizens—roughly 20 percent of Americans aged 65 or older-- have “been taken advantage of financially in terms of an inappropriate investment, unreasonably high fees for financial services, or outright fraud.”

“Having a serious conversation with your elderly parents about how they are managing their money is not easy, but it is extremely important in order to help protect them from unscrupulous crooks,” said Paula Fleming, BBB spokesperson. “It’s extremely important to keep the lines of communication open so that you can identify suspicious spending habits, as well as educate your elder family members on recognizing the red flags of common cons.”

BBB warns against the following five scams that commonly target senior citizens:

Sweepstakes and Lottery Scams – Typically, the victim receives a letter in the mail stating they have won a lottery or sweepstakes; it might even claim to be from Publisher’s Clearing House or Reader’s Digest. The letter instructs the victim to deposit an enclosed check and then wire a portion back to the company to cover taxes or administration fees. While the funds will initially show up in the bank account, the money will be removed when the bank determines the check is fake. The victim is out whatever they wired back to the scammers—often amounting to thousands of dollars.

      - BBB Advice: Never wire money to someone you don’t know.      You should never have to send money to receive any winnings from a lottery or sweepstakes.

Medicare Scams – Navigating the Medicare system isn’t easy and some scammers will look for any opportunity to take advantage of the confusion. Commonly, a scammer will claim to be with Medicare and ask for personal information such as Medicare, Medicaid, social security, credit card or bank account numbers. The victim might be given any number of excuses to provide this information including that an error needs to be fixed, that he or she is part of a survey or eligible to receive free products or can sign up for a new prescription drug plan.

     - BBB Advice: Remind your elderly family members that Medicare will never call to ask for sensitive personal financial information. If you suspect fraud contact your local police or the Health and Human Services Office of Inspector General at 800-HHS-TIPS.

Bereavement Scams – Scammers will often try to take advantage of the increased vulnerability of senior citizens who have recently lost a loved one, such as a spouse. In one recent example, a mother and daughter team in Ohio would find targets by scouring the obituaries. They would then call the widow or widower and claim that their spouse had outstanding debts that needed to be paid immediately. Victims would then provide a blank check or credit card.

     - BBB Advice: Offer help to elderly family members if they have recently lost a loved one and are inexperienced in managing finances. If you are uncertain about owing a debt when collectors call, ask for written confirmation.

Deceptive Professionals – While many scams targeting senior citizens might not have a face, some scammers will be invited in the front door including technicians, contractors, chimney sweeps, air duct cleaners and other services. Some professionals will lie about the extent of the problem or claim safety issues and then inflate prices for unsuspecting senior customers.

     - BBB Advice – Find professionals you can trust by checking out BBB’s directory of Accredited Businesses. Always research a company with BBB before you hand over any money and report any deceptive services to your BBB, local law enforcement and the state Attorney General.

Investment and Work at Home Opportunities - Promises of easy money often target older adults because they may be looking to supplement their income. The pitch might come in the form of an investment opportunity that promises big returns, or as a way to make money at home for an upfront cost. Regardless of the specifics, the victim is offered what sounds like a great opportunity but the extra income never materializes.

     - BBB Advice: Always research any work at home opportunity with BBB. Beware of investment or money-making offers that seem too good to be true or use high pressure sales tactics to get you to sign up immediately.

For more advice on avoiding scams and fraud visit: bbb.org/us/consumer-tips-scams/ .

Complaints to BBB about Satellite TV Reveal Common Customer Grievances over Terms of the Agreement

8/2/2010

Posted on 8/2/2010 by

In the past three years, more than 53,000 customers have complained to the Better Business Bureau about satellite TV providers, with 39,000 of those complaints filed against DirecTV and 13,000 filed against Dish Network. Many complaints stem from fees and terms outlined in the customer agreement and BBB recommends that TV viewers planning to make the switch to satellite should read the fine print closely.

According to company reports, DirecTV has more than 18 million customers in the US and Dish Network has more than 14 million. The complex policies and fees that are sometimes unique to satellite service has led many customers to complain to BBB about the contractual obligations outlined—but often overlooked—in the fine print of their agreement.

“Many complaints to BBB about satellite providers stem from steep cancellation fees,” said Paula Fleming, vice president of communications and marketing of the local Better Business Bureaus. “If customers aren’t satisfied with their service or they can’t afford the cost after the introductory period, it isn’t that easy to cancel because the early termination fees can run into the hundreds of dollars.”

Following are examples of common complaints BBB receives about satellite TV providers:

Early Termination Fees – Complainants report paying cancellation fees amounting to more than $600. Commonly the customer felt that the company didn’t provide the services promised and they shouldn’t have to pay to cancel service they weren’t happy with or didn’t receive. In some cases the customer claims they were not aware of the policy or that a sales rep misrepresented the terms.

Introductory Offers – Many promotions will offer a lower price or premium channels for an introductory period, after which the customer will be charged the full price. Some complainants state their monthly bill increased substantially more than they anticipated. Others state they were promised gift cards for signing up that never materialized or rebates that couldn’t be redeemed immediately.

Billing issues – Some complainants state that they were charged for services they didn’t order—such as pay per view movies—or were charged for services which they thought would be free. Complainants also cite issues with returning the receivers to the company and still being charged. In some cases the unexpected charges were the result of expiring introductory rates or offers.

Service issues – Complainants have also contacted BBB over reception quality issues, channel offerings or difficulties in getting equipment repaired.

Upgrades Resulting in Contract Extension - Some complainants were upset to learn that when they upgraded their service or equipment, it resulted in a contract extension and they were later charged fees for early cancellation.

When signing up for satellite TV, BBB recommends that customers:

Get it all in writing – Don’t just take a salesman, installer or customer service representatives word for it. You might also be speaking with a third-party retailer and the verbal promises may not show up in the final customer agreement with the satellite provider.

Read the terms and conditions carefully – Pay close attention to the terms on introductory offers, equipment costs and the cancellation policy.

Check every bill closely – The sooner you spot inaccuracies in billing, the better. Even if you have your account set up to automatically charge your credit card or debit your checking account, always review your monthly bill closely for any new or unusual charges.

Mark your calendar – Put important dates down on your calendar such as when you need to cancel introductory promotions for premium channels and the end of your contract.

File a complaint with BBB – Consult the terms that you agreed to and if you’re unable to reach an agreement with your satellite provider, file a complaint with your BBB. Both Dish Network and DirecTV consistently respond to complaints and BBB has been able to help consumers receive refunds in many cases.

New Overdraft Rules for Debit and ATM Cards

7/22/2010

Posted on 7/22/2010 by
On July 1st new rules went into effect concerning overdrafts on your debit or ATM cards. You now get to choose in advance what happens when you make a charge on your debit or ATM card and don’t have enough money in your account to pay for it.

Let’s say you buy something with your debit or ATM card but haven’t been keeping track of how much you have in your account. It turns out you don’t have enough money in there, which means the withdrawal will lead to an overdraft. According to the Federal Reserve Board Web http://www.federalreserve.gov/consumerinfo/wyntk_overdraft.htm there are usually two ways that banks deal with an overdraft:

Standard overdraft practices. Your bank will cover your transaction for a flat fee of about $20-$35 each time you overdraw your account. For example, if you make a purchase with your debit card for $150 but only have $100 in your account, your account will be overdrawn by $50 and your bank will charge you a fee. If you then make an ATM withdrawal for $50, your account will be overdrawn by $100 and you will be charged another fee. In this example, if the fee your bank charges for its standard overdraft practices is $30, you will pay a total of $60 in fees on $100 in overdrafts.

Overdraft protection plans. Your bank may offer a line of credit or a link to your savings account to cover transactions when you overdraw your account. Banks typically charge a fee each time you overdraw your account, but these overdraft protection plans may be less expensive than their standard overdraft practices.

So what’s different under the new rules? Basically, your bank has to give you the option to choose how the bank will deal with an overdraft from you. In the past, some banks automatically enrolled you in a standard overdraft program when you opened an account with them. Now, the bank has to ask your permission and you have to opt in. If you don’t opt in, beginning August 15th, 2010, your bank’s standard overdraft practices won’t kick in when you charge too much. Instead, the transaction will typically be declined when you don’t have enough in your account to cover it. You won’t be charged an overdraft fee, but you also won’t be able to complete the purchase or withdrawal, either.

If you have an existing account that was opened any time before July 1st, you are supposed to get a notice from your bank about their standard overdraft practices, asking if you want them to continue or not. If you open an account after July 1st, you will be asked if you want to opt in or out when you fill out the initial paperwork. Whichever way you decide, you can change your mind at any time.

Warning: If you write checks or set up automatic bill payment from your checking account, the new rules do not cover checks or automatic bill payments. Your bank can still automatically enroll you in their standard overdraft practices for those types of transactions. If you don’t want that to happen, contact your bank, but you may find that you don’t have the option to cancel.

As always, it pays to shop around when you open a checking account. Banks could lose significant revenue if a majority of customers now opt out of overdraft protection, so down the road certain banks may decide to charge their customers new fees to make up for that loss of revenue. Always be aware of the terms of service of your account, and that includes reading those updates that come in the mail! If you don’t like your bank’s terms, you may want to shop for a bank whose fee structure you like better.

Don’t Get Sucked in By Deceptive Air Duct Cleaners

7/14/2010

Posted on 7/14/2010 by

Local ads offering a low price on air duct cleaning can seem like a great deal with minimal risk. While most companies are on the straight and narrow, Better Business Bureau warns consumers to beware of air duct cleaning businesses that employ bait and switch tactics or try to scare the homeowner into thinking they have a serious health-threatening mold problem.

According to the U.S. Environmental Protection Agency, a careless or inadequately trained service provider can damage your ducts or heating and cooling system, possibly increasing your heating and air conditioning costs or forcing you to undertake difficult and costly repairs or replacements. Complaints to BBB also show that putting your trust in the wrong company can mean spending thousands of dollars on unnecessary mold remediation services.

“Most of us aren’t experts when it comes to maintaining the mechanical components of our house and we have to rely on the opinion of the technician,” said Paula Fleming, BBB spokesperson. “Unfortunately, some companies are taking advantage of that trust by misleading customers and even lying about having a serious mold problem.”

BBB has received many complaints about one outfit — operating most recently under names like Pure Kleen, Priority One Air Solutions and United Restoration — which has been active for more than a dozen years. The network of individuals have set up different duct and carpet cleaning companies from Washington State to Florida and been the subject of at least three cease and desist orders issued by various State Attorneys General.

Customers are baited with low advertised prices, generally through mass mail or local newspapers, for air conditioning duct cleaning services. These ads often include a depiction of a giant dust mite and alarming descriptions of mold, mildew and unhealthy air quality. Once sales agents are in the customer’s homes they run reportedly bogus mold detection tests and tell the owner they must pay thousands of dollars to have the mold removed.

When looking for a professional to clean out air ducts, BBB recommends that consumers:

Check the Company Out With BBB. Before setting up a visit, check the company out with your Better Business Bureau first. Ideally, the business will be Accredited by BBB or at least have a good rating. Pay close attention to the name of the business you’re researching because unscrupulous outfits often choose a name that is similar to an existing business that has a solid reputation. To check out a business’s Reliability Report or locate a BBB Accredited duct cleaner visit www.bbb.org/us/Find-Business-Reviews/.

Look for the Fine Print. Ads and contracts may contain fine print which the business might think will absolve them from honoring their advertised price. Always ask plenty of questions and get to the bottom line of what it’s going to cost you, before you sign on the dotted line.

Get a Second Opinion. If the duct cleaner discovers that you have a mold problem, get a second opinion. Mold remediation can cost thousands of dollars so you’ll want expert advice on how to take care of it.

File a Complaint with BBB. If you believe you’ve been misled by a business, file a complaint with your BBB online at bbb.org/us/file-complaint. Even if BBB isn’t able to resolve the issue for you, the complaint can serve as a warning to other consumers about the business.

Fore more advice on home improvement and maintenance, visit bbb.org/us/consumer-tips-home/.

BBB Warns Car Shoppers about Online Dealer Scam

7/6/2010

Posted on 7/6/2010 by

Better Business Bureau is warning car shoppers to beware of websites offering too-good-to-be-true deals on repossessed cars. BBB has heard from people across the country who thought they were buying from a reputable dealer online but were actually sending money to scammers posing as legitimate, already-established community dealerships.

“Because scammers essentially steal the identity and good name of real auto dealers, car shoppers will think that they’re buying a car from a reputable business,” said Paula Fleming, spokesperson for Better Business Bureau. “The truth is, they’re being sold a bill of goods by a coordinated, agile and in all likelihood overseas outfit of scammers.”

Most recently, one Memphis auto dealer, America Auto Sales, received more than 1,000 calls from consumers across the country who had shopped for a new car on www.americautosales.com thinking that it was the website of the Memphis dealership. The phony website used the name, address and contact information of the real dealer.

The fraudulent website claimed to sell repossessed cars at prices well below market. Buyers were instructed to wire a deposit—as much as $5,000—to an individual rather than the company, which, according to the phony website, “helps us avoid taxes legally.” The balance was to be paid upon delivery at the consumer’s address within five days.
After paying the deposit, victims called the real dealership to arrange delivery of their car. Some customers even showed up at the lot to pick up the cars they had “bought” on the bogus site.

Similar websites have posed as many different dealers in Colorado, Florida, Georgia, Michigan, New Mexico and Texas. The websites are often taken down after a few days only to crop up shortly thereafter under a different URL address and under the auspices of another legitimate dealer.

BBB recommends that car shoppers look for the following red flags when shopping for a car online:

The prices are too good to be true.
The dealer only communicates through chat or e-mail—never by phone.
The dealer only accepts payment by money wire transfer.

If you have been the victim of a fraudulent auto dealer online, notify your BBB at bbb.org and the Internet Crime Center at www.ic3.gov to file a complaint.

Find An Adoption Agency You Can Trust

6/28/2010

Posted on 6/28/2010 by

Celebrities such as Angelina Jolie, Sandra Bullock, Madonna and many others are building families through adoption. While celebrities might make it look easy, the Better Business Bureau recommends doing your research when enlisting the help of an adoption agency. Adopting a child is a complex, lifelong experience; it is also a legal transaction that can be complicated and expensive.

According to the most recent numbers from adoption experts, there are more than 125,000 adoptions annually in the U.S. While not all adoptive parents rely on an agency, professional help can be key to creating your family, as well as navigating the various laws and requirements. Last year alone, eager families vetted adoption services with the BBB more than 35,000 times.

“There are many different paths to adoption and the services, expertise and competency of agencies vary,” said Paula Fleming, BBB spokesperson. “Because the process can be expensive, complex and take years to complete, you want to make sure you’ve got the best people showing you the way.”

When searching for an agency, BBB recommends that adoptive parents:

Research your options – Many factors will have a large impact on the type of agency you choose such as adopting a child from foster care, opting for an open or closed adoption or a domestic versus international adoption. You may also choose to adopt a special needs child who might have physical or mental health issues.

Understand the laws – No matter what option you choose, there are state, federal and international laws that will drive the adoption process. Getting a good grasp on the governmental requirements and procedures will help you evaluate the expertise of adoption agencies and give you a better idea of which path for adoption is best for you. The U.S. Department of Health and Human Services adoption website is a good starting point for looking into adoption laws and other adoption-related resources. Visit childwelfare.gov/adoption.

Get advice from other parents – Your best source of information may be people you already know who have adopted. If you don’t know any families that have adopted, ask friends and family. There are also many support groups both online and community-based for adoptive parents. Through these support groups, you can learn from the experience of others about the adoption process, including which agencies they were happy with and which ones they weren’t. If you choose to work with an agency, many have their own support groups.

Vet the agency with experts – Always make sure that the adoption agency is properly licensed to offer the promised services in your state and, if applicable, with the country from where you intend to adopt a child. Also check the agency out with your BBB; if the agency is an Accredited Business it is required to meet BBB’s standards for ethical conduct and resolving complaints.

Visit several agencies – Before deciding on any one adoption agency, try to visit and meet with several. You can often arrange an appointment to sit down and discuss what services they offer, what you will be required to do, as well as what you can expect in the adoption process. Many agencies also have informational group meetings that may answer many of your questions. Make sure the agency has extensive experience in the form of adoption you want to pursue. Find out what kind of pre- and post-adoption support the agency will provide, such as social programs that foster friendships among waiting and adoptive families, educational or cultural opportunities to allow families to learn about their children’s home country, programs for adopted children, teens or adults and counseling services. While adoption fees will be dependent on many variables, an agency should be able to disclose any required fees in advance, as well as any refund policy.

For more advice you can trust from BBB on evaluating businesses and services, visit bbb.org/us/Consumer-Tips/.

Charities Assisting Gulf Coast Oil Spill Clean Up

6/17/2010

Posted on 6/17/2010 by
The websites of the following national charities describe activities that address the oil spill. This list only includes charities that meet the BBB Wise Giving Alliance’s Standards for Charity Accountability. Click on each of the names to access a BBB charity report on the organization.

American Bird Conservancy
Defenders of Wildlife
Ducks Unlimited
EarthShare
Environmental Defense Fund
Friends of the Earth
Greenpeace Fund
International Fund for Animal Welfare
National Audubon Society
National Wildlife Federation
Natural Resources Defense Council
Nature Conservancy
Oceana

Further information about other charities is available at http://www.bbb.org/charity-reviews/national/

How to Spot the Red Flags of an Investment Seminar Scam

6/14/2010

Posted on 6/14/2010 by

Falling victim to a fraudulent investment scheme can mean losing anywhere from a few hundred dollars to your life savings. While most people might not see the harm in sitting through an investment seminar, Better Business Bureau recommends researching the investment company first, rather than run the risk of falling for a financial siren song over a free lunch.

Investment scams and schemes can come in many forms and a common technique to lure people in is the offer of a free financial seminar over lunch. In one recent example, the Securities and Exchange Commission shut down a Ponzi scheme which stole $20 million from retirees in California and Illinois. The scammers invited senior citizens to estate planning seminars and later coaxed their victims into buying promissory notes for purported Turkish investments.

“Free lunch seminars can seem like an easy way to get a meal, but attendees run the risk of getting drawn in by the slick presentations and promises of big returns,” said Paula Fleming, BBB spokesperson. “Unscrupulous seminars often use the promise of a free lunch to lure in leisurely senior citizens who have time and exploitable retirement accounts and real estate.”

When listening to an investment pitch, BBB recommends looking for the following red flags:

Requires a large up-front investment. Untrustworthy schemers might try to convince investors to pay a lot of money upfront so they can get out of town with a large haul, rather than wait for the funds to trickle in.

Promises high returns for low risk. Every investment comes with a level of risk. Typically the amount of risk increases in line with the potential return on the investment. If the seminar is trying to sell an investment scheme that claims a high return with little or no risk, beware, even if it comes with the promise of a money-back guarantee.

Employs high pressure sales tactics. Seminar leaders often use high pressure sales tactics to get people to sign up without thinking it through. They might claim that there are only a few spots left or that you need to get in on the ground floor today to see the largest earnings. Any reputable investment company will let you take your time and do your research and will not pressure you into signing a check.

Relies on off-shore investments. Many hucksters try to give their scheme an air of sophistication by relying on overseas investments such as foreign currency, property, stocks and bonds. They also might claim—incorrectly—that you can avoid taxes by investing overseas.

Sounds too good to be true. At the end of the day, if the offer sounds too good to be true, it probably is. Always listen to your instincts because the potential payoff is rarely worth the risk.

For more advice from your BBB on financial planning and investing visit bbb.org/us/consumer-tips-finance/.

No Credit? Bad Credit? Beware of Loan Scams, Warns Better Business Bureau

6/7/2010

Posted on 6/7/2010 by

According to complaints filed with the Better Business Bureau, victims across the country have lost a total estimated quarter million dollars to advance fee loan scams this spring. Advance fee loan scams target individuals and small business owners who are desperate to get a loan and often take the victim for thousands of dollars.

Despite recent improvements, the economy continues to provide a great opportunity for scammers to take advantage of struggling individuals and small business owners. Lending standards remain stringent at most banks and many cash-strapped individuals are turning to fraudulent lenders that promise loans regardless of your credit history.

“Schemes preying on people looking for loans are not new, and they are flourishing in an economy when so many are struggling to get by,” said Paula Fleming, spokesperson for the Better Business Bureau. “The complaints received by BBB are only the vocal few and we know from experience that many more people across the country are falling for this scam every day—just when they can least afford it.”

BBB has recently received complaints about advance fee loan scammers operating under more than 75 different names including Capital Alliance Financial Group, Harford Financial Services, Howard and Clark Financial, Lending Hand Financial, among others.

Most people stumble upon the scam online or learn about the bogus loan offer from ads in local Thrifty Nickel publications and online through classified sites like Craigslist. Often, an advance fee loan scam website will be created and taken down within a couple weeks only to be replaced by another operating under a different name and fake business address.

The websites look professional and might even put the victim through the rigors of filling out loan application forms—often requiring the victim’s bank account and Social Security numbers. Eventually victims are told they are approved for the loan and just need to pay as much as thousands of dollars upfront via money order or wire transfer to pay for insurance or collateral. Those that pay, never get the promised loan and are even sometimes tricked into giving the scammers even more money.

BBB advises cash-strapped individuals and small business owners to recognize the red flags of an advance fee loan scam:

The lender has a bad reputation—or none at all. Research the lender thoroughly online and with your BBB. Most trustworthy lenders have an established track record; be wary if you can’t find much information about the lender online.

The lender is not registered in your state to do business. Check with your state financial or banking regulators.

The lender asks you to wire money or send a money order—such as for insurance or collateral—before you can receive the loan. You might be told to wire money to another country, consider this yet another red flag.

If you’ve become a victim of an advance fee loan scam, contact your local Better Business Bureau and report the incident to your police department. If you were asked to wire money to Canada, file a complaint with Canadian law enforcement by calling toll free: 1-888-495-8501 or e-mail: info@phonebusters.com

Say “I Do” to Taking Control of Personal Finances

6/1/2010

Posted on 6/1/2010 by

Marriage is an exciting time for a couple, however, once the honeymoon is over, it’s time to sit down and get serious about your finances. After walking down the aisle, Better Business Bureau advises newlyweds to take control of their money or risk a rocky financial future.
According to research by Utah State University, married couples that frequently fight over money are more likely to split up. Even when compared to frequent fights over other issues—such as chores, sex and in-laws—fighting about money was a better predictor of a future divorce.
“When considering your financial future, it’s important for newlyweds to realize that they are in it together and nurturing their nest egg can be a rewarding experience—and not just a source of frustration and fights,” said Paula Fleming, BBB spokesperson. “Have the conversation earlier, rather than later, so that you can develop healthy personal finance habits together.”
In order to start your new life together on the right financial foot, BBB offers the following advice:

Let Financial Skeletons out of the Closet. After marriage, any personal debt becomes “our debt” and it’s important to sit down early on and discuss what outstanding obligations exist on both sides including car loans, school loans and credit card debt. Review your credit reports to get a better idea of what you are both bringing to the marriage.

Build a Budget. After you’ve gotten a grasp on your debt, it’s time to build a monthly budget. Look at your monthly bills to create a realistic picture of how you spend. Discuss your long term goals—such as buying a house or car and having kids—and figure out how much money you need to set aside every month to reach those goals.

Designate a Driver but Travel Together. In order to avoid confusion, one person should be assigned to paying the bills every month. This doesn’t mean that the other person takes a back seat role in managing the finances. Have a discussion at least every month about your financial progress in order map your path and nip any bad spending habits in the bud.

Plan for Emergencies. Many young couples fail to save money to get them through hard times such as health problems and unexpected unemployment. Experts recommend you set aside three to six months of salary in a rainy day fund—ideally an interest-bearing account that can be easily accessed.

Save for the Future. Retirement may seem like a long way off to newlyweds, but setting aside money now means reaping big rewards later on. Take advantage of both employers’ retirement matching programs—if available—or set up individual retirement accounts.

Make a Vow to Be Savvy Consumers. Many families have had their life savings decimated after becoming a victim to fraud or identity theft. Check out your BBB’s website to find trustworthy businesses, get educated on the red flags of fraud and learn how to protect your identity.

For more advice on managing your money, bbb.org/us/consumer-tips-finance/.

BBB Warns that Insurance Scams Are Flourishing in Current Economy

5/21/2010

Posted on 5/21/2010 by

In the midst of a tight economy and in the wake of the new national healthcare reform bill, State and Federal regulators are warning about a surge in healthcare-related scams. Better Business Bureau advises consumers to do their research before signing up for insurance coverage because their personal and financial health is on the line.

According to an October 2009 survey conducted by the Coalition Against Insurance Fraud, 57 percent of state fraud bureaus reported a higher incidence of health insurance fraud in 2009 compared to the previous year. The increase was largely attributed to “unauthorized entities selling fake coverage” and “the rise of medical discount plans.”

“Navigating the healthcare system can be a tricky maze and coordinating your physicians, prescriptions and insurance coverage isn’t always easy,” said Paula Fleming, BBB spokesperson. “One of the first steps to finding healthcare services that are a good personal fit, is to start with a provider you can trust.”

Companies such as HealthcareOne/Elite Healthcare, Consolidated Workers Association, and Smart Data Solutions/American Trade Association, have all recently come under fire from state regulators for peddling worthless coverage or discount medical plans—instead of actual insurance—to thousands of consumers.

Additionally, the new healthcare reform bill quickly sparked new scams; shortly after it was signed into law, the US Department of Health and Human Services issued a warning to consumers to beware of health insurance offers claiming to be part of new federal regulations. For example in Missouri, the state Insurance Director warned that a door-to-door salesman was claiming to be a federal agent selling insurance under the new law.

BBB recommends taking the following steps when shopping for health insurance coverage to avoid getting ripped off:

Research the company with BBB. Always check out the insurer’s BBB Reliability Report online at bbb.org. Reliability reports are available for free and will tell you how many complaints the business has received, whether there has been any government actions brought against the business, as well as BBB’s overall rating.

Confirm the company is licensed with the state insurance commissioner. Each state has a department devoted to regulating insurance companies. Make sure the insurer is licensed to operate in your state.

Read the fine print carefully. Make sure all verbal commitments are in the fine print. Don’t just take the company’s word for it. Also confirm with your pharmacist and doctor that they accept the plan you’re considering.

Recognize the difference between insurance and discount medical cards. Some consumers purchased what they thought was health insurance but was actually a discount medical card which could only be used to get reduced rates at limited doctor’s offices and pharmacies. Make sure you’re purchasing insurance coverage and not just a discount medical card.

Beware of copy cats. Some phony insurers will go by a name that is similar to a trusted company. Confirm that you’re really dealing with the right company that has a good reputation.

For more advice on finding healthcare companies and services you can trust, visit http://www.bbb.org/us/consumer-tips-health/

Complaints to BBB Against Debt Settlement Companies On the Rise

5/18/2010

Posted on 5/18/2010 by
Better Business Bureau is warning financially troubled families to beware of misleading debt settlement companies that claim they can easily reduce or eliminate credit card debt. Since the start of the recession, BBB has received more than 3,500 complaints from individuals, including many who paid hundreds of dollars in upfront fees to debt settlement companies but only fell deeper into debt.

“The debt settlement industry is flourishing and many families are being lured into believing that debt settlement is an easy fix and that their credit card debt will just disappear,” said Paula Fleming, BBB Spokesperson. “The truth is that the process doesn’t work for many consumers, it has potentially serious negative consequences, and should primarily be used as a last ditch effort to stave off bankruptcy.”

Consumers from all 50 states have filed complaints with BBB about debt settlement companies since the recession began in late 2007. In addition to BBB, angry customers are also taking their complaints to their state Attorney General. Attorneys General from Florida, Maine, Texas, Idaho, Missouri, New York, Illinois, West Virginia, Vermont and Minnesota have taken action against companies such as Dallas-based Debt Settlement America, Debt Rx USA, Financial Freedom of America and Credit Solutions—which has received more than 1,600 complaints alone in the last 36 months—and Austin-based Clear Your Debt and Swift Rock Financial Solutions.

Some practices by debt settlement companies are also coming under fire on Capitol Hill. On Wednesday, Senator Charles Schumer (D-NY) introduced the The Debt Settlement Consumer Protection Act which seeks to “protect consumers from deceptive, abusive and financially injurious practices rampant in the debt settlement industry.”

Typically with debt settlement (also referred to as debt negotiation), the consumer pays an upfront fee to the debt settlement firm with the understanding that the company will try to negotiate a settlement with creditors for less than what is owed. The debt settlement business works with the consumer to establish a plan for the consumer to put money into an account administered by the debt settlement company or a third party, and that money is used to pay any negotiated settlements. It will usually take at least six months to a year before there is enough money to start settling accounts, and during that time the consumer will typically not be making payments to creditors. Not only does this put the consumer at risk of having creditors file garnishments or other legal actions, his or her credit rating will likely suffer as a result of not making required monthly payments.

Complainants to BBB allege that instead of having their debt settled as promised, they were driven deeper into debt and sometimes sued by their creditors—which led to mounting legal fees—and had their wages garnished. Some complainants decided after making several months worth of payments that they did not want to proceed with the debt settlement process, but the debt settlement company did not give them their money back which they had set aside—in one case as much as $15,000.

BBB warns families that are drowning in debt to look for the following red flags when considering getting help from a debt settlement or negotiation firm:

High upfront fees – Beware of companies that require large upfront fees before any debts are settled. Often, these upfront fees may be better used to reduce a consumer’s overall debt.

Promises that are too good to be true– Some companies might promise that they can reduce debt by more than half even before looking into the customer’s financial situation.

Claims that it’s a fast, easy and painless process. - Reducing debt through debt settlement takes time—often years—and can have a significant negative impact on the customer’s credit score. It can also expose consumers to lawsuits and garnishments.

Before enlisting the help of a debt settlement company, BBB recommends that struggling consumers:

Contact their lender first. – Try to work out an agreement directly with your lenders before enlisting outside help.

Seek help from a non-profit credit counseling center – Credit counseling centers can provide guidance for little or even no cost. You can find a credit counseling center near you at the National Foundation for Credit Counseling, www.nfcc.org.

Consider debt settlement only as a last resort before filing for bankruptcy. - The debt settlement process can take years and have a severely negative impact on your credit rating and can limit your access to future credit. In the meantime, your credit card company or other creditors can decide to take you to court and garnish your wages. It is best to avoid these potential consequences if you have other workable alternatives to dealing with your debt.

Research the debt settlement firm with BBB first. - Find out how many complaints it has received, how the firm responded to complaints and whether or not there are any recent government actions or lawsuits against the company.

More advice on managing credit and paying down high balances is available through BBB’s Managing Credit – Made Simpler at www.bbb.org/credit-management/.

For more information or to schedule an interview with a BBB spokesperson, contact Paula Fleming at 508-652-4855.

BBB Advice for Getting Deals on Collective Buying Sites

5/10/2010

Posted on 5/10/2010 by
Everyone is looking for ways to pinch pennies and collective buying Web sites are becoming an extremely popular option to save on goods and services from local businesses. Before signing up for the next big deal, Better Business Bureau recommends researching all businesses involved and reading the fine print thoroughly.

Collective buying sites have become increasingly popular in a short amount of time. Groupon.com, which is a BBB Accredited Business, is one of the pioneers of collective buying and has 2.6 million subscribers. According to Groupon, they have made 1.8 million transactions that saved shoppers 85 million in their relatively short history.

Collective buying sites typically offer one deal every day such as for products or gift cards redeemable at local businesses—including restaurants, retail stores and spas. If enough people sign up to buy it, they’ll get it at a significant discount. If not enough people are interested, the deal is canceled and no one is charged.

“Collective buying is a great way for businesses to attract new customers and for savvy consumers to land a great deal.” said Paula Fleming, BBB spokesperson. “It can be a win-win situation for everyone involved as long as the customer does their research and understands all of the restrictions and stipulations.”

Before signing up for a deal on a collective buying Web site, BBB recommends that online shoppers:

Check every business with BBB. Not only do you want to research the collective buying Web site with BBB, you also want to research the business that is offering the deal. Look for the BBB Accredited Business seal on both Web sites and only go with businesses that have a good rating with BBB.

Buy what you will use. While the idea of skydiving at half the usual cost sounds like a great deal, if you aren’t actually going to go through with it, you’re wasting your money. Focus on items and services you’ll use from stores and locations that are close by. If you experience buyer’s remorse, you might not have a way to get your money back.

Read the fine print—all of it. Don’t assume that every deal is like the next. The fine print on every offer is going to be different because every business has a different policy when it comes to eligibility, expiration dates, refunds, and black-out dates. Read the terms and conditions on the collective buying Web site, the specific terms and conditions listed with the offer and seek out the fine print on the business’s own Web site as well.

For more advice on being a savvy online shopper, visit bbb.org.

BBB Small Business Advice: How Badly Does Your Business Need a Web Site?

5/5/2010

Posted on 5/5/2010 by
Even though consumers are more likely to use a small business that has a Web site, most small businesses still haven’t taken the time or money to create one. Better Business Bureau recommends that small business owners ask themselves four questions to help decide whether building a Web site should become a top priority.

According to Discover Small Business Watch, 47 percent of consumers surveyed say they are more likely to use a small business that has a Web site. Despite the fact that so many customers put stock in a Web site, most small businesses don’t have one. Discover Small Business Watch also found from a survey of small business owners that only 45 percent had a company Web site.

“A Web site is practically a necessity for attracting new customers in today’s marketplace, but many small business owners haven’t made the time or found the resources to create one,” said Paula Fleming, BBB spokesperson. “Depending on your business and current online presence, a Web site might just be the key to surviving and even thriving in this tough economy.”

Small business owners should ask themselves the following questions when considering whether or not Web site development should become a priority:

Can customers find you online already? When local customers search the Internet using keywords such as your industry or even your business’s name, you need your company’s contact information, at the very least, to be listed in the top results. The results might be your business’s BBB Reliability Report®, a review of your business on Yelp, or a listing on Yahoo Local, City Search or Google Local. If you can’t find your business among the top results, neither can potential customers.

Does your competition have a Web site? If your competition is online, your business needs to be right there next to them. Many potential customers start and end their search online and may go with the first business they find that has an established Web presence. If that business is your competition, then you’re already losing the battle over new customers.

How is your online reputation faring? More often disgruntled customers are taking their anger out on businesses online. They might post an angry review on Yelp, create a video on YouTube, or even build a Web site dedicated solely to complaining about a business. If a chronically disgruntled customer is making a lot of noise about your business online, you can mitigate the damage to your business’s reputation by countering with your own Web site.

Could you expand your sales online? Some small businesses can get along fine with a basic Web site that explains their services, location, and hours of operation. If your business provides products through mail order, a Web site with the capability of receiving orders can provide an easy way to expand sales geographically to potential customers that are actively searching online.

For more advice on managing a small business on a tight budget, visit bbb.org/us/Business-Tips-Index/.

Avoid Moving Scams This Summer

4/30/2010

Posted on 4/30/2010 by

Following a few simple rules when looking for a mover will go a long way toward protecting you from being victimized by scammers this summer, advises Better Business Bureau (BBB) and the American Moving & Storage Association (AMSA).

May is National Moving Month, the start of the busiest time of the year for changing residences. More than 37 million Americans -- or about 13 percent -- move to a different home every year, according to the latest U.S. Census Bureau statistics.

Unfortunately, every year, BBB receives extremely serious complaints from consumers who have fallen prey to dishonest and sometimes unlicensed moving companies.

BBB received more than 8,400 complaints against movers in 2009. Complaints to BBB about movers are primarily about damaged or lost goods and final prices in excess of original estimates. In a common worst-case scenario, the moving company will essentially hold the customer’s belongings hostage and require potentially thousands of dollars to unload the truck.

“Virtually anyone with a truck and a Web site can claim to be a mover and they can’t all be trusted to adhere to standards for honesty and ethical conduct,” said AMSA President and CEO Linda Bauer Darr. “When it comes to such an important decision, you can save a lot of heartache by doing just a little homework to track down the companies that put customer service and integrity first. For interstate moves, that means an AMSA certified ProMover.”

“Checking a mover’s credentials is critical and easy. Last year alone, consumers relied on BBB more than 1 million times for finding a trustworthy mover,” said Paula Fleming, spokesperson for the Better Business Bureaus. “When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that has a good rating with BBB.”

BBB and AMSA offer the following checklist for finding a trustworthy moving company:

Research the Company Thoroughly. While state regulations vary, all interstate movers must, at minimum, be licensed by the Federal Motor Carrier Safety Administration and are assigned a motor carrier number you can verify atwww.protectyourmove.gov. Also check the company’s rating with your BBB; BBB maintains more than 17,000 reliability reports on movers across North America. Having at least a satisfactory BBB rating is one of seven screenings that AMSA relies on when authorizing its interstate mover members to display the ProMover logo, the sign of a quality, professional mover which has pledged to abide by the organization’s Code of Ethics.

Get at Least Three In-Home Estimates. No legitimate mover will offer to give you a firm estimate on-line or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer which can cost you more in the end.

Know Your Rights. Research your rights as a consumer with both the state you currently reside in and where you are moving to. Also enlist the help of BBB or local law enforcement if the moving company fails to live up to its promises or decides to hold your belongings hostage.

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer Web site, moving.org; and the U.S. Department of Transportation's site, protectyourmove.gov. To research a mover or find your nearest Better Business Bureau, visit bbb.org.

New EPA Rules on a Lead Based Paint Requires Certification and Training by April 22

4/23/2010

Posted on 4/23/2010 by
A new Federal rule goes into effect April 22, 2010, to limit the risks of lead poisoning that might result from renovations made to older buildings. The Better Business Bureau warns contractors, renovation companies and DIY landlords that failure to meet new certification and training standards would result in significant fines.

“Hundreds of thousands of businesses including contractors, painters, and even neighborhood handymen will be affected by the new rules on lead-based paint safety and failure to comply is definitely not worth the risk,” said Paula Fleming, BBB spokesperson. “Not only could you face fines up to $37,500 per violation if you’re caught ignoring the law, you’ll lose customers and, worst of all, potentially endanger the health of the children who occupy the building.”

The new Renovation, Repair and Painting Rule will go into effect April 22. Firms affected by the rule will be required to:

Apply to EPA to be approved as a Certified Renovation Firm and receive the necessary training and certification from an EPA-accredited training provider for Lead Safe Work Practices.
Assign a Certified Renovator to be present at each project and ensure that lead safe work practices are used throughout the project.
Provide consumers or tenants with the EPA pamphlet “Renovate Right” prior to the start of each project and maintain records documenting that the required information has been provided at each project subject to the rule.

BBB answers the following frequently asked questions on the new Renovation, Repair and Painting Rule:

Who must become certified?

The rule covers any person or firm that performs renovations for compensation. This includes contractors, home renovation companies, window replacement contractors as well as plumbers, electricians, painters, maintenance workers and landlords who perform repairs and renovations themselves.

What types of buildings does the rule apply to?

The rule applies to any residential property built before 1978. The rule also applies to any public building or commercial building built before 1978 where children under the age of six are present, or could potentially be present, on a regular basis. This includes, but is not limited to child care centers, schools and hospitals.

What type of work does this rule apply to?

The rule applies to any modification made to applicable structures that disturbs six square feet or more of interior painted surface per room as well as exterior work which disturbs over 20 square feet of painted surface.

How do I become certified?

Businesses and individuals seeking to become certified and trained can find more information on the process and a list of accredited trainers at:http://www.epa.gov/lead/pubs/renovation.htm#contractors.

In addition to the requirement that a firm become certified, at least one person at each applicable worksite must be an “Individual Certified Renovator.”

A list of EPA accredited Certified Renovator trainers can be found at: http://www.epa.gov/lead/pubs/trainingproviders.htm.

How long will it take?

EPA estimates that more than 200,000 contractors will apply for the new certification and applications are processed in the order that they are received. EPA has 90 days from the receipt of an application to approve or deny application for a firm’s certification.

Individuals can become certified after completing the 8-hour accredited renovator training course and no formal application to EPA is required.

For more information visit: www.epa.gov/lead or call the National Lead Information Center at 1-800-424-LEAD, that’s 1-800-424-5323.

BBB has advice and tips for small business owners on hundreds of topics at http://www.bbb.org/us/Business-Resources/.

New Rules Go into Effect to Protect Air Passengers

4/20/2010

Posted on 4/20/2010 by
Complaints to Better Business Bureau about airlines have increased by more than 170 percent in the last five years. Good news is on the horizon, as BBB explains, new rules and regulations go into effect this month to provide better consumer protection for air travelers.

According to the Department of Transportation (DOT), most complaints against airlines are about flight problems—including delays and cancellations—and lost baggage. Some more famous angry customers took their complaints online in the last year by performing songs like “United Breaks Guitars” for YouTube or posting videos of being stuck for hours on the tarmac with other angry passengers.

“Harried air travelers have grown increasingly angry and vocal both online and offline about how they feel they are being treated and the Federal Government is taking notice,” said Paula Fleming, BBB spokesperson. “These new regulations will hopefully result in happier fliers and fewer complaints to BBB.”

Following are the new regulations that go into effect April 29 by the DOT to improve customer protections when flying in the US:

Customer Complaints – Airlines are now required to acknowledge customer complaints within 30 days and address the issue within 60 days.

Tardy Takeoffs - DOT is now allowed to penalize airlines for any domestic flight that is more than 30 minutes late on at least half its trips each month for four months in a row.

Tarmac Tribulations – Airlines are required to provide adequate food and potable drinking water for passengers within two hours of the aircraft being delayed—lavatories must also remain available and operable. If the plane is delayed more than three hours on the tarmac, it must return to the gate and deplane the passengers—barring any safety or airport disruption concerns.

Web Site Wait Times – Airlines are required to display on their Web site flight delay information for each domestic flight they operate. The Wall Street Journal reports, however, that the airline industry is asking for an extension on the deadline for compliance on this specific issue because of technology constraints.

Relaying Your Rights – Airlines must include on their Web site a customer service plan which, as recommended by DOT, would outline the company policies in regard to overbooking, baggage handling, handling customer complaints and many other customer service issues.

More information on these new rules can be found online at regulations.gov. Upset airplane passengers are encouraged to file a complaint with both the DOT and BBB online.

For more advice you can trust to become a smart traveler, visit http://www.bbb.org/us/consumer-tips-travel/.

BBB Travel Tips: Vacation Rentals for the Budget Traveler

4/14/2010

Posted on 4/14/2010 by
Vacation rentals can be a great way to save money when traveling on a tight budget and many travelers are foregoing the mint on the pillow experience for more reasonable and less cushy accommodations. Better Business Bureau advises vacationers to do their research before booking rentals because sometimes the properties are not as advertised.

In a tough economy, a vacation rental is one way to save if you’re willing to forgo some of the luxuries. According to a summer 2009 survey by TripAdvisor.com, 43 percent of respondents said that they were planning to stay at a vacation rental in the coming 12 months. On average, the price per square foot for a U.S. hotel is more than twice the price per square foot of a vacation rental according to a report by HomeAway, an online vacation rental company.

“Many travelers have shaved hundreds, if not thousands, of dollars off of their vacation costs by renting a house or condo instead of paying for a hotel or resort,” said Paula Fleming, BBB spokesperson. “A vacation rental can seem riskier than booking a hotel, but if you do your research and pay attention to the fine print, it can be a safe way to save money.”

There are many different Web sites that travelers can turn to for finding a vacation rental. Some companies specialize in connecting renters and vacationers—and take a cut for their efforts—while other sites cut out the middleman and potentially some consumer protections like money-back guarantees.

BBB offers the following advice to travelers looking to save money with a vacation rental:

Start Planning Now. Rental properties in popular locations get snatched up quickly so start your search early before all of the best properties are booked.

Do your Homework. If you plan on enlisting the help of a business, such as a third-party Web site or professional service, to connect you with a renter, always check them out with BBB first at bbb.org.

Manage Your Expectations. A home rental is not a hotel so you can’t necessarily expect the same level of professionalism, cleanliness or modernization. Some companies will guarantee that the property meets your expectations. If a guarantee isn’t being offered, consider travel insurance.

Take a Virtual Tour. Sometimes the pictures and descriptions of the property posted by the renter can be deceiving. Research the property on your own online and take a virtual tour of the surrounding area using Google Maps Street View. Don’t be tentative about asking plenty of questions about the property.

Get it all in Writing. Make sure that all of the verbal agreements are included in the rental contract including details on the deposit, rules on pets, refunds, and what is included in the cost of the rental such as utilities, internet, etc.

Use a Secure Form of Payment. Do not send money until you’ve signed the rental agreement and never pay via money wire, such as through MoneyGram or Western Union. When possible, use a credit card which can provide some amount of consumer protection.

Vacation Rentals By Owner. Take extra precautions when renting from an individual, particularly for international rentals. If possible, get references from previous renters and double-check the location of the property to avoid getting stuck in international waters.

More tips for the budget-savvy traveler can be found at bbb.org/us/consumer-tips-travel/.

BBB Warns that iPad Scammers are Already At Work

4/6/2010

Posted on 4/6/2010 by
Even before the iPad was released to the public, scammers were busy devising ways to take advantage of early adopters. Better Business Bureau warns eager shoppers to stay away from offers to become a “tester” just to get a free iPad.

Apple announced the iPad in January and US customers were able to pre-order in March for the April release. Because Apple bumped the delivery date for later orders, rumors started circulating that the company did not have enough iPads to meet pre-order demand.

“What’s past is prologue and it was inevitable that scammers would take advantage of the excitement over the iPad to rip people off, just like they did with the iPod and the iPhone,” said Paula Fleming, BBB spokesperson. “Bogus offers most commonly claim you can become a tester or researcher and get an iPad for free. This is a deal that sounds, and definitely is, too good to be true.”

Tech Web site GeekSugar.com recently warned about spam e-mails requesting product testers for the iPad. The e-mail directs to the Web site Testitandkeepit.com which claims that they are looking for people to test the iPad for a couple months, as compensation you get to keep the iPad. The biggest red flag with this offer is that you have to provide your e-mail address and password in order to “tell your friends.”

Offers to become a tester on Facebook also cropped up but with a different intent. As software company Sophos explains in an online video, the Facebook page “iPad Researchers Wanted—Get an iPad Early and Keep It” was designed to trick people into signing up for a cell phone subscription service that cost $10 a month. Sophos alerted Facebook to the page—which had already racked up more than 3,500 fans—and it was taken down, but users should be on the lookout for similar offers.

Not all bogus offers come under the guise of becoming a tester, McAfee reported on their security blog that spam e-mails have landed in inboxes offering free iPads—the catch is that you have to buy items first and provide your credit card number.

If you’re planning to buy an iPad, BBB recommends shopping through an authorized retailer or directly with Apple. Eventually a secondary market for the iPad will spring up online on sites like Craigslist; if you plan on buying an iPad secondhand, purchase it from someone local and never wire money as payment.

For more advice on how to be a smart online shopper, visit http://www.bbb.org/us/consumer-tips-technology/.