An email scam using the Better Business Bureau’s (BBB) 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.
The BBB 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, the BBB had recommended running a full system scan only if the recipient had clicked on the link or opened the attachment. However, due to the virulent nature of the virus, the new recommendation is for everyone who receives it to run the scan and 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:
· 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, visit 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.
The 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.
Monday, December 19, 2011
Thursday, December 15, 2011
Mail Fraud
Mail fraud can mean anything from non-delivery of mail-order merchandise to mail actually being stolen. Not only do criminals steal packages containing presents and cards filled with money or checks but personal information in your mail can be used by criminals to steal your identity.
Preventing Mail Theft:
• Do not leave outgoing mail in your unlocked mailbox.
• Deposit mail in a collection box or inside your local post office.
• Promptly pick up your incoming mail after it is delivered.
• Have mail delivered to a Post Office Box or Personal Mail Delivery Service.
• Use Direct Deposit and Electronic Banking to avoid checks in your mail.
• Contact the senders if you don’t receive credit cards, checks, or other valuable mail.
• When out of town have the post office hold your mail or have someone your trust pick up the mail daily.
• Be observant of and report suspicious activities on your street, including those near your letter carrier, the postal vehicle, residential mailboxes, and collection boxes.
• Notify the post office and people who will be sending you mail that you have a change of address.
Preventing Mail Theft:
• Do not leave outgoing mail in your unlocked mailbox.
• Deposit mail in a collection box or inside your local post office.
• Promptly pick up your incoming mail after it is delivered.
• Have mail delivered to a Post Office Box or Personal Mail Delivery Service.
• Use Direct Deposit and Electronic Banking to avoid checks in your mail.
• Contact the senders if you don’t receive credit cards, checks, or other valuable mail.
• When out of town have the post office hold your mail or have someone your trust pick up the mail daily.
• Be observant of and report suspicious activities on your street, including those near your letter carrier, the postal vehicle, residential mailboxes, and collection boxes.
• Notify the post office and people who will be sending you mail that you have a change of address.
Tuesday, December 6, 2011
Foreign Currency Fee Litigation
The Better Business Bureau has determined that checks for $18 sent by the Foreign Currency Fee Litigation Settlement Fund are legitimate and can be cashed or deposited.
According to national BBB sources, the checks are the result of a 2009 settlement over the fees credit card companies charged people when using their card abroad. Those who traveled outside the United States between February 1996 and November 2006 may receive this check.
In many cases, customers did not opt into the settlement themselves, but were opted in by their banks. For more information, visit ccfsettlement.com/home/
For more consumer safety tips. Visit http://www.bbb.org/
According to national BBB sources, the checks are the result of a 2009 settlement over the fees credit card companies charged people when using their card abroad. Those who traveled outside the United States between February 1996 and November 2006 may receive this check.
In many cases, customers did not opt into the settlement themselves, but were opted in by their banks. For more information, visit ccfsettlement.com/home/
For more consumer safety tips. Visit http://www.bbb.org/
Better Business Bureau Warns Travelers of Holiday Break-ins
For many, the holidays are a time to travel and be with their families. Many do not realize it is also a time for home burglaries. The Better Business Bureau (BBB) warns Holiday travelers to take precautions when planning to leave home for the holidays.
Items that thieves typically steal are things that can be easily sold: tools, bicycles, cameras, and expensive items such as furs and jewelry.
The BBB offers the following advice to Holiday Travelers:
1. Don’t make your home a target: Many people keep their friends and family updated about their travels via facebook, twitter and other social media. While it seems harmless to let your friends and family know what you are up to during the holidays, it lets those who may commit a burglary have access to this information. Many burglaries are actually committed by people that know someone you know. Also, don’t post pictures of your trip until you are home.
2. Make your home less attractive for burglars: Increase outdoor lighting and put your lights on a timer so the home will not appear empty while you’re away. Trim the trees and shrubs around the exterior before leaving.
3. Secure the exterior openings of your home: Upgrade your locks to grade one locks, which have a stronger bolt. Add locks to your windows and sliding glass doors if they don’t already have them or extra safety.
4. Be aware of your surroundings when shopping and traveling: Secure all your possessions, not just those in your home. If visiting a city that is new to you, ask the hotel where you should and shouldn’t walk before venturing out. Keep your wallet and money in your front pockets. If using a purse, hold it close to your body at all times. If you’re nervous about leaving valuables at home, get a safe box at your local bank.
For more business information you can trust, visit http://www.bbb.org/
Items that thieves typically steal are things that can be easily sold: tools, bicycles, cameras, and expensive items such as furs and jewelry.
The BBB offers the following advice to Holiday Travelers:
1. Don’t make your home a target: Many people keep their friends and family updated about their travels via facebook, twitter and other social media. While it seems harmless to let your friends and family know what you are up to during the holidays, it lets those who may commit a burglary have access to this information. Many burglaries are actually committed by people that know someone you know. Also, don’t post pictures of your trip until you are home.
2. Make your home less attractive for burglars: Increase outdoor lighting and put your lights on a timer so the home will not appear empty while you’re away. Trim the trees and shrubs around the exterior before leaving.
3. Secure the exterior openings of your home: Upgrade your locks to grade one locks, which have a stronger bolt. Add locks to your windows and sliding glass doors if they don’t already have them or extra safety.
4. Be aware of your surroundings when shopping and traveling: Secure all your possessions, not just those in your home. If visiting a city that is new to you, ask the hotel where you should and shouldn’t walk before venturing out. Keep your wallet and money in your front pockets. If using a purse, hold it close to your body at all times. If you’re nervous about leaving valuables at home, get a safe box at your local bank.
For more business information you can trust, visit http://www.bbb.org/
Monday, November 28, 2011
FTC Adds New Protections for Consumers Seeking to Work from Home
The FTC has finalized a new rule to protect consumers with additional disclosure requirements for work-at-home programs/business opportunities. The new rule will be effective March 1, 2012. You can read more below. If you have any ABs in this category it might will be important they be able to meet the new requirements outlined by the FTC.
The final Rule requires business opportunity sellers to give consumers specific information to help them evaluate a business opportunity. Sellers must disclose five key items of information in a simple, one-page document:
The final Rule requires business opportunity sellers to give consumers specific information to help them evaluate a business opportunity. Sellers must disclose five key items of information in a simple, one-page document:
- the seller's identifying information;
- whether the seller makes a claim about the purchaser's likely earnings (and, if the seller checks the "yes" box, the seller must provide information supporting any such claims);
- whether the seller, its affiliates or key personnel have been involved in certain legal actions (and, if yes, a separate list of those actions);
- whether the seller has a cancellation or refund policy (and, if yes, a separate document stating the material terms of such policies); and
- a list of persons who bought the business opportunity within the previous three years.
Monday, November 14, 2011
BBB Speaks Out Regarding Rogue Web Sites
Rogue websites are often designed to deceive consumers into believing they are legitimate by replicating popular brands or trademarks that are from respected businesses and entities. However, these sites are often run by criminals who sell shoddy, fake or replicated products that can in many cases endanger consumers’ health and safety.
Moreover, consumers who share sensitive personal and financial information with these sites are exposed to an increased risk of falling victim to other malicious online activity such as phishing scams, identity theft, or viruses.
Before you purchase, the Better Business Bureau (BBB) offers a few online shopping tips:
1. Trust your gut – Offers on Web sites and in unsolicited e-mails can often sound too good to be true. Consumers should always go with their instincts and not be afraid to pass up a “deal” that might cost them more in the end.
2. Use trustworthy Web sites – Shoppers should start with the BBB to check on the seller’s reputation and record for customer satisfaction. Always look for a “trustmark” from BBBOnLine and click on that seal to confirm that it’s valid. If the company is unfamiliar to you, do your homework before buying their products. Reliable companies should also advertise their physical business address and at least one phone number.
3. Protect your personal information – The 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. When placing an order, there is certain information that you must provide to the web merchant such as your name and address. Providing your Social Security number is also not a requirement for placing an order at an e-commerce Web site.
Before making any purchase decisions, visit http://www.bbb.org/
Moreover, consumers who share sensitive personal and financial information with these sites are exposed to an increased risk of falling victim to other malicious online activity such as phishing scams, identity theft, or viruses.
Before you purchase, the Better Business Bureau (BBB) offers a few online shopping tips:
1. Trust your gut – Offers on Web sites and in unsolicited e-mails can often sound too good to be true. Consumers should always go with their instincts and not be afraid to pass up a “deal” that might cost them more in the end.
2. Use trustworthy Web sites – Shoppers should start with the BBB to check on the seller’s reputation and record for customer satisfaction. Always look for a “trustmark” from BBBOnLine and click on that seal to confirm that it’s valid. If the company is unfamiliar to you, do your homework before buying their products. Reliable companies should also advertise their physical business address and at least one phone number.
3. Protect your personal information – The 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. When placing an order, there is certain information that you must provide to the web merchant such as your name and address. Providing your Social Security number is also not a requirement for placing an order at an e-commerce Web site.
Before making any purchase decisions, visit http://www.bbb.org/
Tuesday, November 8, 2011
Watch Out for Discount Gift Card Scams
It’s not Black Friday yet, but some of us have already started our pre-holiday shopping. Gift cards can be great present, they let the recipient get something they want, and still show them you are thinking of them because it may be from their favorite store or restaurant. Recently, the BBB received a complaint about a gift card scam on Craigslist.
Here’s what happened: The consumer saw a $1,000 card advertised for $750. She met with the seller and called the number on the card to verify there really was $1,000 on it. She handed over $750 to the seller. The next day, when she went to use the card, there was no money on it. And the scammer was gone.
How it works:
• It could be a faked duplicate card.
• The scammer could have switched cards when the consumer wasn’t looking.
• The scammer might have made an online transaction just minutes before meeting with the consumer. When the woman checked the card balance via phone, the automated machine read the balance before the transaction.
Always listen to your intuition. If you feel there’s something sketchy about the seller, then don’t buy. As in most cases, if it sounds too good to be true, it probably is. If somebody’s selling a $100 gift card on Craigslist for $20, you’ve got to ask why. The safest way to avoid gift card scams is to always purchase gift cards directly from the store.
Here’s what happened: The consumer saw a $1,000 card advertised for $750. She met with the seller and called the number on the card to verify there really was $1,000 on it. She handed over $750 to the seller. The next day, when she went to use the card, there was no money on it. And the scammer was gone.
How it works:
• It could be a faked duplicate card.
• The scammer could have switched cards when the consumer wasn’t looking.
• The scammer might have made an online transaction just minutes before meeting with the consumer. When the woman checked the card balance via phone, the automated machine read the balance before the transaction.
Always listen to your intuition. If you feel there’s something sketchy about the seller, then don’t buy. As in most cases, if it sounds too good to be true, it probably is. If somebody’s selling a $100 gift card on Craigslist for $20, you’ve got to ask why. The safest way to avoid gift card scams is to always purchase gift cards directly from the store.
Wednesday, November 2, 2011
How to Research a Company Before You Apply
For those of you seeking employment, the internet is a great tool for searching job listings. If you come across a company you are unfamiliar with, it’s important to do your research on how credible this company is before you give out any personal information.
Doing your homework on a company can include:
• Checking with www.bbb.org and other trusted sites
• Googling the company name plus the word “scam”
• Verifying with the IRS, and the Secretary of State where the business is located
• Asking your state Attorney General’s office if the business is on their radar for any reason
• Searching the Internet for the company’s physical location or checking with the Post Office to see if this is a legitimate address
• Never click on a link from an unknown sender, and never give out your personal information to strangers unless you can verify their legitimacy
If you take these steps and find that you are dealing with a legitimate company, then you can proceed with the application process. However, if the company turns out to be a scam, you’ll be happy you did your homework and avoided wasting your time, and potentially having your identity stolen.
Doing your homework on a company can include:
• Checking with www.bbb.org and other trusted sites
• Googling the company name plus the word “scam”
• Verifying with the IRS, and the Secretary of State where the business is located
• Asking your state Attorney General’s office if the business is on their radar for any reason
• Searching the Internet for the company’s physical location or checking with the Post Office to see if this is a legitimate address
• Never click on a link from an unknown sender, and never give out your personal information to strangers unless you can verify their legitimacy
If you take these steps and find that you are dealing with a legitimate company, then you can proceed with the application process. However, if the company turns out to be a scam, you’ll be happy you did your homework and avoided wasting your time, and potentially having your identity stolen.
Thursday, October 27, 2011
Warning: StubHub Email Scam Making Way Around Internet
Many people have reported being hit by a scam email this morning, that appears to be from StubHub (it isn’t) and says it is charging your credit card a huge sum to pay for boxing tickets to a match in Nevada.
StubHub says this scam has been hitting them since 7 a.m. this morning. Anyone who has had a StubHub account (and even some who haven’t) may be at risk.
According to StubHub, these are the precautions you should take:
• If you receive the scam email, DON’T login. It may steal your passwords and then give thieves access to your StubHub account where valid credit card info may be stored.
• Change your password if you have an account at StubHub – right away. Go directly to the StubHub site to do that, not through an email.
• Send a copy of the scam email you receive to safety@stubhub.com so they can investigate.
This is what the email looks like:
StubHub says this scam has been hitting them since 7 a.m. this morning. Anyone who has had a StubHub account (and even some who haven’t) may be at risk.
According to StubHub, these are the precautions you should take:
• If you receive the scam email, DON’T login. It may steal your passwords and then give thieves access to your StubHub account where valid credit card info may be stored.
• Change your password if you have an account at StubHub – right away. Go directly to the StubHub site to do that, not through an email.
• Send a copy of the scam email you receive to safety@stubhub.com so they can investigate.
This is what the email looks like:
Friday, October 14, 2011
Tips to Help Reduce the Risk of Identity Theft
According to a February 2011 Javelin Strategy & Research report, more than 8.1 million identities were stolen in 2010. On average, victims were responsible for paying $631 in out-of-pocket costs, such as those to cover fraudulent debt or legal fees, which is a significant rise from $387 in 2009. The California-based market research firm says the increase may stem from thieves focusing more on new account debit card fraud.
The climbing costs may provide individuals with even more incentive to secure credit protection and other helpful services that may allow them to better monitor their credit reports and scores. While a credit and fraud protection program can be a great asset, consumers should also make sure to take the proper steps to lower their risk of identity theft.
Here are six tips that may help consumers better defend against thieves.
1. Avoid throwing away any private documentation - bills, credit card offers, bank statements - that contains personal identifying details without first running it through a paper shredder. Visit www.chicagoshreds.com to find free shredding events in the Chicagoland area.
2. Take receipts after a purchase and check their listed amounts against credit card bills. This approach may help a person identify any fraudulent charges on his or her statements.
3. People should avoid carrying their Social Security cards out of their home unless it's absolutely necessary. Similarly, they should not share their nine-digit numbers with anyone unless they've properly verified the person or company.
4. Individuals who plan to take a vacation should ask to have their mail delivery temporarily suspended. Taking this approach may help prevent thieves from pilfering important financial material from mailboxes while people are out of town.
5. Use a different password for each online account. Consumers who use the same codes across all of their accounts run the risk of having all of their information exposed if a single account is compromised. In addition to using a variety of different passwords, individuals should also make sure to construct their keys with a combination of numbers, capital letters, and, if possible, symbols.
6. Researching and staying abreast of the latest online fraud tactics may help consumers protect their credit reports and scores from an identity theft-related scheme. Knowing what scams are out there can help individuals practice safer Web browsing behavior.
The climbing costs may provide individuals with even more incentive to secure credit protection and other helpful services that may allow them to better monitor their credit reports and scores. While a credit and fraud protection program can be a great asset, consumers should also make sure to take the proper steps to lower their risk of identity theft.
Here are six tips that may help consumers better defend against thieves.
1. Avoid throwing away any private documentation - bills, credit card offers, bank statements - that contains personal identifying details without first running it through a paper shredder. Visit www.chicagoshreds.com to find free shredding events in the Chicagoland area.
2. Take receipts after a purchase and check their listed amounts against credit card bills. This approach may help a person identify any fraudulent charges on his or her statements.
3. People should avoid carrying their Social Security cards out of their home unless it's absolutely necessary. Similarly, they should not share their nine-digit numbers with anyone unless they've properly verified the person or company.
4. Individuals who plan to take a vacation should ask to have their mail delivery temporarily suspended. Taking this approach may help prevent thieves from pilfering important financial material from mailboxes while people are out of town.
5. Use a different password for each online account. Consumers who use the same codes across all of their accounts run the risk of having all of their information exposed if a single account is compromised. In addition to using a variety of different passwords, individuals should also make sure to construct their keys with a combination of numbers, capital letters, and, if possible, symbols.
6. Researching and staying abreast of the latest online fraud tactics may help consumers protect their credit reports and scores from an identity theft-related scheme. Knowing what scams are out there can help individuals practice safer Web browsing behavior.
Tuesday, September 20, 2011
Flood Damaged Vehicles May Turn Up for Sale
Even living thousands of miles away from areas damaged by Tropical Storm Irene and Tropical Storm Lee, flood damaged vehicles could make way to car dealers in your area.
Once on used-car lots, flood damaged vehicles may be sold at deep discounts relative to the going rates of similar used vehicles. However, this is a time to be wary if buying from sellers not disclosing about a vehicles’ exposure to the storms.
With the vehicle identification number (VIN), shoppers can check the National Insurance Crime Bureau to see if vehicles have been salvaged or stolen.
The risk of buying a flood damaged car should add an additional layer of scrutiny to what always should be a rigorous process. Shoppers need to take extra steps when looking at a car including:
• Check used cars thoroughly for evidence of soot, grime and water damage. After a visual inspection, the car should be taken to a mechanic, who can put the car on a lift and run diagnostics on the electrical system.
• A car that’s been waterlogged can have an unmistakably musty odor similar to a wet basement.
• Start the car, drive it and listen to the engine.
• A potential buyer should put hands over everything, checking for dampness as well as soot or grit.
For more information on finding businesses you can trust, visit www.bbb.org
Once on used-car lots, flood damaged vehicles may be sold at deep discounts relative to the going rates of similar used vehicles. However, this is a time to be wary if buying from sellers not disclosing about a vehicles’ exposure to the storms.
With the vehicle identification number (VIN), shoppers can check the National Insurance Crime Bureau to see if vehicles have been salvaged or stolen.
The risk of buying a flood damaged car should add an additional layer of scrutiny to what always should be a rigorous process. Shoppers need to take extra steps when looking at a car including:
• Check used cars thoroughly for evidence of soot, grime and water damage. After a visual inspection, the car should be taken to a mechanic, who can put the car on a lift and run diagnostics on the electrical system.
• A car that’s been waterlogged can have an unmistakably musty odor similar to a wet basement.
• Start the car, drive it and listen to the engine.
• A potential buyer should put hands over everything, checking for dampness as well as soot or grit.
For more information on finding businesses you can trust, visit www.bbb.org
Tuesday, September 13, 2011
Champion Window of Chicago Donates 135,000 Pounds of Food To Close the Window on Hunger
Local Home Improvement Showroom Joined The National Summer Campaign To Shed the Light On Child Hunger and Support The Greater Chicago Food Depository
Champion Window of Chicago donated more than 135,000 pounds of food this summer to help fight child hunger in their community. The donation was part of a company-wide program to raise awareness of hunger in America and increase the amount of food available through local food banks during the summer months when donations typically decline.
“When we learned that nearly 1 in 4 American children are now impacted by food insecurity we decided it was time to do something; that’s why we created our Close the Window on Hunger program,” said Champion Window Chief Executive Officer Denny Manes. “Champion Window of Chicago set the bar by donating 135,000 pounds of food, the highest of Champion’s 84 stores. This significant accomplishment is a testament to the hard work and dedication of each employee in our Chicago showroom.”
Close The Window On Hunger launched on June 1 and provided Champion Window of Chicago, in Elmhurst IIl. and its customers a chance to help fight hunger in their own community. Champion worked with The Greater Chicago Food Depository (http://www.chicagosfoodbank.org/) by donating 50 pounds of food per in-home appointment, and an additional 100 pounds of food for every project order placed by Aug. 31.
“Here in the Chicagoland area, we recognize the importance of being a part of the community we service and giving back on a local level,” said Steve Piwowar, Division Manager, Champion Window in Elmhurst Ill. (http://closethewindowonhunger.com/midwest/stores/chicago/). “We have worked closely with The Greater Chicago Food Depository in this effort to spread the word and fight hunger our own community and we are thrilled with how much food we were able to donate this summer.”
“For too many children, the end of the school year signals the end of a consistent source of breakfast and lunch,” said Kate Maehr, executive director and CEO of The Greater Chicago Food Depository. “We’re grateful for the support of Champion Factory Direct during these challenging times.”
To learn more about Champion’s Close the Window on Hunger visit http://www.CloseTheWindowOnHunger.com or contact Champion at 630-279-0909. Champion is located at 549 W. Lake Street in Elmhurst.
Started in 1953, Champion Window, Door and Patio Room Company is one of the nation’s leading home improvement companies. Champion builds and installs vinyl replacement windows, entry doors, patio rooms and siding, with more than 45,000 homeowners joining the ranks of customers on an annual basis. Champion’s energy-efficient products help consumers save money on their utility bills year-round. Champion's control over every aspect of manufacturing, distribution, installation and servicing provides a single source of accountability for its customers, removing all concerns about who is responsible for their home improvement project. The company operates factories in Cincinnati, Ohio, and Denver, Colo. For more information on Champion Window, please visit www.ChampionFactoryDirect.com.
Champion Window of Chicago donated more than 135,000 pounds of food this summer to help fight child hunger in their community. The donation was part of a company-wide program to raise awareness of hunger in America and increase the amount of food available through local food banks during the summer months when donations typically decline.
“When we learned that nearly 1 in 4 American children are now impacted by food insecurity we decided it was time to do something; that’s why we created our Close the Window on Hunger program,” said Champion Window Chief Executive Officer Denny Manes. “Champion Window of Chicago set the bar by donating 135,000 pounds of food, the highest of Champion’s 84 stores. This significant accomplishment is a testament to the hard work and dedication of each employee in our Chicago showroom.”
Close The Window On Hunger launched on June 1 and provided Champion Window of Chicago, in Elmhurst IIl. and its customers a chance to help fight hunger in their own community. Champion worked with The Greater Chicago Food Depository (http://www.chicagosfoodbank.org/) by donating 50 pounds of food per in-home appointment, and an additional 100 pounds of food for every project order placed by Aug. 31.
“Here in the Chicagoland area, we recognize the importance of being a part of the community we service and giving back on a local level,” said Steve Piwowar, Division Manager, Champion Window in Elmhurst Ill. (http://closethewindowonhunger.com/midwest/stores/chicago/). “We have worked closely with The Greater Chicago Food Depository in this effort to spread the word and fight hunger our own community and we are thrilled with how much food we were able to donate this summer.”
“For too many children, the end of the school year signals the end of a consistent source of breakfast and lunch,” said Kate Maehr, executive director and CEO of The Greater Chicago Food Depository. “We’re grateful for the support of Champion Factory Direct during these challenging times.”
To learn more about Champion’s Close the Window on Hunger visit http://www.CloseTheWindowOnHunger.com or contact Champion at 630-279-0909. Champion is located at 549 W. Lake Street in Elmhurst.
Started in 1953, Champion Window, Door and Patio Room Company is one of the nation’s leading home improvement companies. Champion builds and installs vinyl replacement windows, entry doors, patio rooms and siding, with more than 45,000 homeowners joining the ranks of customers on an annual basis. Champion’s energy-efficient products help consumers save money on their utility bills year-round. Champion's control over every aspect of manufacturing, distribution, installation and servicing provides a single source of accountability for its customers, removing all concerns about who is responsible for their home improvement project. The company operates factories in Cincinnati, Ohio, and Denver, Colo. For more information on Champion Window, please visit www.ChampionFactoryDirect.com.
Monday, September 12, 2011
Beware of a Bank Card Scam
The Better Business Bureau serving Chicago and northern Illinois (BBB) has been alerted of a scam involving an automated system being used to alarm people into believing their Visa or MasterCard has been compromised.
The automated message states:
“Hello, this is a message from XXX Bank, your card has temporarily been suspended because we think it has been accessed by a 3rd party. To reactivate your card, press 1 to be immediately transferred to our security department.”
No bank or financial institution will call and ask you for your bank information, they already have it. If you do receive a call like this, hang up and call your actual bank to verify if there really is anything going on with your debit or credit card.
Banks typically do not use phone recording to contact customers or solicit confidential customer information.
If you have given your personal information out over the phone in relation to this or any other scam, call your bank immediately using the contact information provided on your cards and statements.
For more information about identity theft prevention visit www.bbb.org
The automated message states:
“Hello, this is a message from XXX Bank, your card has temporarily been suspended because we think it has been accessed by a 3rd party. To reactivate your card, press 1 to be immediately transferred to our security department.”
No bank or financial institution will call and ask you for your bank information, they already have it. If you do receive a call like this, hang up and call your actual bank to verify if there really is anything going on with your debit or credit card.
Banks typically do not use phone recording to contact customers or solicit confidential customer information.
If you have given your personal information out over the phone in relation to this or any other scam, call your bank immediately using the contact information provided on your cards and statements.
For more information about identity theft prevention visit www.bbb.org
Wednesday, September 7, 2011
Nine Tips for Avoiding Online Rip-offs
1. Know the retailer before providing your credit card information. Visit www.bbb.org to view a company’s Business Review to help ensure safe shopping.
2. Don’t be pressured. Comparison shop so that you know where to find the best price.
3. Review your credit card statement each month. Look for any unauthorized charges and contact your bank or credit card company immediately if you find discrepancies. Consumers can also file a complaint with the Better Business Bureau at www.bbb.org
4. Stop payment on orders that didn’t get delivered. A company must ship mail-ordered merchandise within 30 days from the time it receives your order-unless some other time is stated for shipment. If the company cannot ship within the advertised time then it must notify you and permit you to cancel or agree to the delay.
5. Watch out for “all sales are final” language. Understand the retailer’s return policy before you make a purchase.
6. Do not click on links in emails from strangers. This may be an attempt to steal your personal information.
7. Check for credit card protection. Many credit card companies offer fraud protection that will cover the cost if you report it within a certain timeframe. You may also be able to monitor activity online to help catch anything unusual.
8. Get a new credit card number. Ask your credit card company for a different number that you can use exclusively when online shopping. This may help reduce identity fraud.
9. Change your passwords. Keep track of your passwords in a secure document, and don’t stick with simple passwords that are easily guessed. You should change your passwords regularly.
2. Don’t be pressured. Comparison shop so that you know where to find the best price.
3. Review your credit card statement each month. Look for any unauthorized charges and contact your bank or credit card company immediately if you find discrepancies. Consumers can also file a complaint with the Better Business Bureau at www.bbb.org
4. Stop payment on orders that didn’t get delivered. A company must ship mail-ordered merchandise within 30 days from the time it receives your order-unless some other time is stated for shipment. If the company cannot ship within the advertised time then it must notify you and permit you to cancel or agree to the delay.
5. Watch out for “all sales are final” language. Understand the retailer’s return policy before you make a purchase.
6. Do not click on links in emails from strangers. This may be an attempt to steal your personal information.
7. Check for credit card protection. Many credit card companies offer fraud protection that will cover the cost if you report it within a certain timeframe. You may also be able to monitor activity online to help catch anything unusual.
8. Get a new credit card number. Ask your credit card company for a different number that you can use exclusively when online shopping. This may help reduce identity fraud.
9. Change your passwords. Keep track of your passwords in a secure document, and don’t stick with simple passwords that are easily guessed. You should change your passwords regularly.
Monday, August 29, 2011
Federal Benefit Payments are Going All Electric
Having federal benefits paid electronically by direct deposit into the bank or a credit union account, or into a Direct Express® card account is safer, faster and more reliable than receiving paper benefit checks. The U.S. Department of the Treasury, Financial Management Service reports that in 2010, more than 540,000 Treasury-issued checks were reported lost or stolen, and had to be reissued.
The U.S. Department of the Treasury is now requiring all federal benefit and non-tax payments to be paid electronically. People applying for Social Security, Veterans Affairs or other federal benefits, will receive their payments electronically starting with their first payment. People currently receiving federal benefit checks must switch to an electronic payment option by March 1, 2013.
If they do not choose an electronic payment option at the time they apply for federal benefits or those who do not switch by the deadline will receive their benefit payments via the Direct Express® Debit MasterCard® card. If you are already receiving benefit payments electronically you do not need to take action. You will continue to receive your payment as usual on the payment day.
With direct deposit, the Treasury Department sends an electronic message to your bank or credit union account on your usual payment day with the exact amount of your benefit payment from Social Security, VA or other federal agency. You don’t have to worry about your money being stolen out of your mailbox and there’s no need to make a trip to cash or deposit a check. Plus, it’s better for the environment and saves taxpayer dollars.
To learn more about the switch from paper to electronic benefits, and to register for paperless benefits by March 1, 2013 visit www.GoDirect.org.
For more consumer tips and to learn how to avoid identity theft, visit www.bbb.org
Source: U.S. Department of the Treasury, Financial Management Service
The U.S. Department of the Treasury is now requiring all federal benefit and non-tax payments to be paid electronically. People applying for Social Security, Veterans Affairs or other federal benefits, will receive their payments electronically starting with their first payment. People currently receiving federal benefit checks must switch to an electronic payment option by March 1, 2013.
If they do not choose an electronic payment option at the time they apply for federal benefits or those who do not switch by the deadline will receive their benefit payments via the Direct Express® Debit MasterCard® card. If you are already receiving benefit payments electronically you do not need to take action. You will continue to receive your payment as usual on the payment day.
With direct deposit, the Treasury Department sends an electronic message to your bank or credit union account on your usual payment day with the exact amount of your benefit payment from Social Security, VA or other federal agency. You don’t have to worry about your money being stolen out of your mailbox and there’s no need to make a trip to cash or deposit a check. Plus, it’s better for the environment and saves taxpayer dollars.
To learn more about the switch from paper to electronic benefits, and to register for paperless benefits by March 1, 2013 visit www.GoDirect.org.
For more consumer tips and to learn how to avoid identity theft, visit www.bbb.org
Source: U.S. Department of the Treasury, Financial Management Service
Monday, August 22, 2011
BBB Offers Summer Air Conditioning Tips
As temperatures stay hot, keeping your house cool can be a challenge. Your BBB offers the following advice to keep your house cool and your air conditioner running properly.
When dealing with your air conditioner you can either hire someone to come inspect your system or you can do some of the maintenance work on your own.
If hiring someone, get at least three bids from companies. Also check to see if they are licensed with the state of Illinois at www.attorneygeneral.gov or 1-888-520-6680.
Once hired, make sure he or she checks the refrigerant, inspects the oil fans, and makes sure that wiring and switches are operating properly. Also, the outdoor coil in the unit should be chemically cleaned every year to ensure the unit is working efficiently.
If you are doing the maintenance work on your own, check the disposable filters (if you have them) every two months and replace them when necessary. You can also clean permanent filters as directed by the manufacturer and make cleaning duct outlets and registers a part of your regular housecleaning routine. Also make sure to leave the fan on the furnace continuously running. This will help keep air circulating and keep your house at an even temperature. If you live in a two story house and have high and low return air registers, make sure to close the bottom return and open the top return. This will pull the hot air off the ceiling to better cool your house. (Make sure to reverse the registers when you turn on your furnace.) You should also be sure to trim bushes and shrubs back 18” from the outdoor unit.
Having your unit inspected and cleaned every year will help increase your unit’s efficiency and cause fewer breakdowns.
For a list of BBB Accredited Heating & Air Conditioning Contractors in your service area, visit http://www.bbb.org/
When dealing with your air conditioner you can either hire someone to come inspect your system or you can do some of the maintenance work on your own.
If hiring someone, get at least three bids from companies. Also check to see if they are licensed with the state of Illinois at www.attorneygeneral.gov or 1-888-520-6680.
Once hired, make sure he or she checks the refrigerant, inspects the oil fans, and makes sure that wiring and switches are operating properly. Also, the outdoor coil in the unit should be chemically cleaned every year to ensure the unit is working efficiently.
If you are doing the maintenance work on your own, check the disposable filters (if you have them) every two months and replace them when necessary. You can also clean permanent filters as directed by the manufacturer and make cleaning duct outlets and registers a part of your regular housecleaning routine. Also make sure to leave the fan on the furnace continuously running. This will help keep air circulating and keep your house at an even temperature. If you live in a two story house and have high and low return air registers, make sure to close the bottom return and open the top return. This will pull the hot air off the ceiling to better cool your house. (Make sure to reverse the registers when you turn on your furnace.) You should also be sure to trim bushes and shrubs back 18” from the outdoor unit.
Having your unit inspected and cleaned every year will help increase your unit’s efficiency and cause fewer breakdowns.
For a list of BBB Accredited Heating & Air Conditioning Contractors in your service area, visit http://www.bbb.org/
Monday, August 15, 2011
Stretching Your Gas Dollars this Summer
What you spend at the pump is partially 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. A poorly tuned engine may 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 tips, visit http://www.bbb.org/
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. A poorly tuned engine may 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 tips, visit http://www.bbb.org/
Monday, August 8, 2011
BBB Offers Summer Air Conditioning Tips
As temperatures stay hot, keeping your house cool can be a challenge. Your BBB offers the following advice to keep your house cool and your air conditioner running properly.
When dealing with your air conditioner you can either hire someone to come inspect your system or you can do some of the maintenance work on your own.
If hiring someone, get at least three bids from companies. Also check to see if they are licensed with the state of Illinois at www.attorneygeneral.gov or 1-888-520-6680.
Once hired, make sure he or she checks the refrigerant, inspects the oil fans, and makes sure that wiring and switches are operating properly. Also, the outdoor coil in the unit should be chemically cleaned every year to ensure the unit is working efficiently.
If you are doing the maintenance work on your own, check the disposable filters (if you have them) every two months and replace them when necessary. You can also clean permanent filters as directed by the manufacturer and make cleaning duct outlets and registers a part of your regular housecleaning routine. Also make sure to leave the fan on the furnace continuously running. This will help keep air circulating and keep your house at an even temperature. If you live in a two story house and have high and low return air registers, make sure to close the bottom return and open the top return. This will pull the hot air off the ceiling to better cool your house. (Make sure to reverse the registers when you turn on your furnace.) You should also be sure to trim bushes and shrubs back 18” from the outdoor unit.
Having your unit inspected and cleaned every year will help increase your unit’s efficiency and cause fewer breakdowns.
For a list of BBB Accredited Heating & Air Conditioning Contractors in your service area, visit http://www.bbb.org/
When dealing with your air conditioner you can either hire someone to come inspect your system or you can do some of the maintenance work on your own.
If hiring someone, get at least three bids from companies. Also check to see if they are licensed with the state of Illinois at www.attorneygeneral.gov or 1-888-520-6680.
Once hired, make sure he or she checks the refrigerant, inspects the oil fans, and makes sure that wiring and switches are operating properly. Also, the outdoor coil in the unit should be chemically cleaned every year to ensure the unit is working efficiently.
If you are doing the maintenance work on your own, check the disposable filters (if you have them) every two months and replace them when necessary. You can also clean permanent filters as directed by the manufacturer and make cleaning duct outlets and registers a part of your regular housecleaning routine. Also make sure to leave the fan on the furnace continuously running. This will help keep air circulating and keep your house at an even temperature. If you live in a two story house and have high and low return air registers, make sure to close the bottom return and open the top return. This will pull the hot air off the ceiling to better cool your house. (Make sure to reverse the registers when you turn on your furnace.) You should also be sure to trim bushes and shrubs back 18” from the outdoor unit.
Having your unit inspected and cleaned every year will help increase your unit’s efficiency and cause fewer breakdowns.
For a list of BBB Accredited Heating & Air Conditioning Contractors in your service area, visit http://www.bbb.org/
Thursday, August 4, 2011
Keep Your Cool With BBB’s HVAC Tips
With temperatures continuing to stay hot and humid, a properly working Heating, Ventilation and Air Conditioning (HVAC) system is necessary in many households. The Better Business Bureau (BBB) provides the following tips on how to keep your current system working well and efficiently for the duration of this summer.
Maintenance Tips for Your HVAC System:
• Change the air filter monthly to make sure it stays clean.
• Have a technician clear the air conditioning drain yearly to avoid backup.
• Use air conditioner cleaner to clean the coils on your unit; make sure the power is off when you do this.
• Clear the area around the air conditioning unit of brush to make sure the unit can pull enough air in.
• Make sure the access panels are secure.
Energy Saving Tips:
• Keep your system well maintained and tune the equipment up yearly- the better shape your system is in, the more efficiently it will run.
• Get a programmable thermostat- with this, you can save energy when you are away from home by setting the thermostat to increase or decrease temperatures as you please.
• Seal your heating and cooling ducts- the less air that escapes your home, the better!
• Make sure doors and windows are shut and properly sealed as well.
• Update old equipment with newer, more energy efficient models to lower energy costs.
Maintenance Tips for Your HVAC System:
• Change the air filter monthly to make sure it stays clean.
• Have a technician clear the air conditioning drain yearly to avoid backup.
• Use air conditioner cleaner to clean the coils on your unit; make sure the power is off when you do this.
• Clear the area around the air conditioning unit of brush to make sure the unit can pull enough air in.
• Make sure the access panels are secure.
Energy Saving Tips:
• Keep your system well maintained and tune the equipment up yearly- the better shape your system is in, the more efficiently it will run.
• Get a programmable thermostat- with this, you can save energy when you are away from home by setting the thermostat to increase or decrease temperatures as you please.
• Seal your heating and cooling ducts- the less air that escapes your home, the better!
• Make sure doors and windows are shut and properly sealed as well.
• Update old equipment with newer, more energy efficient models to lower energy costs.
Monday, August 1, 2011
Tips to Avoid Bank Fees
Banks have been given more restrictions on fees and interest rates, as a result the nation's banks are looking for extra pennies anywhere they can get them. Some of the fees you're seeing have been around for a while; you may be surprised where other fees are coming from. For this reason the Better Business Bureau is shedding light on some of these unexpected fees, and offering advice on how you can avoid them.
1.) Update your address. Moving? Don’t forget to update your bank on your new address. You could be hit with fees if your statement is sent to your old address. Some banks charge $5 and up in fees for the second and subsequent months that a statement is undeliverable. Some banks charge even higher rates for returned mail, and handling undeliverable mail.
2.) Talking to a human teller: With online banking, talking to a human teller is becoming a thing of the past. Some banks will charge monthly fees for customers to access branches and talk to tellers. Most banks usually offer an account that gives you free access to tellers. Be sure to check what your account entails before you sign up.
3.) Losing your debit card. When you lose your debit card, not only is your money at risk from thieves, you may also need to pay your bank to replace it. Find out how much it costs to replace a debit card before you sign up.
4.) Paper Statements. Banks have begun charging to send paper statements. By enrolling in online banking, you can avoid these fees. Also, it is more environmentally friendly!
5.) Requesting old statements: If you need to verify a charge, be prepared to pay. Banks may charge $3 to receive copies of checks, statements and deposit slips. Staff have to spend time finding old slips or looking up you account. To avoid this, sign up for online banking, you can look at old transactions on your own.
6.) Receiving money. It often costs money to wire people money, now many banks are charging for you to receive money. This charge can be avoided if you chose the right account. If you frequently wire transfers, be sure to sign up for an account that will not penalize you to do so.
7.) Redeeming reward points. Banks will often charge for you to redeem reward points you’ve earned. The only way to avoid this is to find a bank that does not have redemption fees.
Some final tips to avoid unwanted fees are:
• Always read the fine print when you sign up for checking accounts.
• Avoid the automatic opt-in overdraft protection and do your best to live within your means and not overspend.
• Take note of your balance.
• Locate and use ATMs that won't charge you a fee.
• Automate payments so you'll be able to better monitor your balance.
1.) Update your address. Moving? Don’t forget to update your bank on your new address. You could be hit with fees if your statement is sent to your old address. Some banks charge $5 and up in fees for the second and subsequent months that a statement is undeliverable. Some banks charge even higher rates for returned mail, and handling undeliverable mail.
2.) Talking to a human teller: With online banking, talking to a human teller is becoming a thing of the past. Some banks will charge monthly fees for customers to access branches and talk to tellers. Most banks usually offer an account that gives you free access to tellers. Be sure to check what your account entails before you sign up.
3.) Losing your debit card. When you lose your debit card, not only is your money at risk from thieves, you may also need to pay your bank to replace it. Find out how much it costs to replace a debit card before you sign up.
4.) Paper Statements. Banks have begun charging to send paper statements. By enrolling in online banking, you can avoid these fees. Also, it is more environmentally friendly!
5.) Requesting old statements: If you need to verify a charge, be prepared to pay. Banks may charge $3 to receive copies of checks, statements and deposit slips. Staff have to spend time finding old slips or looking up you account. To avoid this, sign up for online banking, you can look at old transactions on your own.
6.) Receiving money. It often costs money to wire people money, now many banks are charging for you to receive money. This charge can be avoided if you chose the right account. If you frequently wire transfers, be sure to sign up for an account that will not penalize you to do so.
7.) Redeeming reward points. Banks will often charge for you to redeem reward points you’ve earned. The only way to avoid this is to find a bank that does not have redemption fees.
Some final tips to avoid unwanted fees are:
• Always read the fine print when you sign up for checking accounts.
• Avoid the automatic opt-in overdraft protection and do your best to live within your means and not overspend.
• Take note of your balance.
• Locate and use ATMs that won't charge you a fee.
• Automate payments so you'll be able to better monitor your balance.
Monday, July 25, 2011
Home Exercise Equipment Listing Alert
The Better Business Bureau (BBB) is alerting consumers to watch out for too-good-to-be-true offers from online listings advertising home exercise equipment at a 50% discount in some cases. They say that after paying for their exercise equipment with Green Dot MoneyPak gift cards, the merchandise they ordered was not delivered and the scammers dropped out of contact.
These scammers are allegedly moving from ad to ad, website to website, making the same fraudulent offer. The most recent bogus site -- offering discounted home exercise equipment -- reported to the BBB was www.directhomefitness.com
To avoid falling for this scam, the BBB advises consumers to:
• Be wary of websites or Craigslist advertisements linking to websites where home exercise equipment is offered at steep discounts.
• Be suspicious of websites that ask customers to wire money or pay with a MoneyPak gift card. Consumers should never give their MoneyPak number to someone they don't know.
• Beware of websites requesting MoneyPak as a form of payment even if they display the MoneyPak or Green Dot logo. Consumers should check www.moneypak.com for a list of approved MoneyPak partners.
• Treat your MoneyPak card like cash. Transactions cannot be reversed.
• Make sure you are dealing with a trustworthy business by visiting www.bbb.org
Consumers who have been scammed by fraudulent offers like this should contact their local law enforcement and file a claim, as well as file complaints with the FTC (www.ftc.gov) and at www.ic3.gov
Also contact your Better Business Bureau at http://www.bbb.org/
These scammers are allegedly moving from ad to ad, website to website, making the same fraudulent offer. The most recent bogus site -- offering discounted home exercise equipment -- reported to the BBB was www.directhomefitness.com
To avoid falling for this scam, the BBB advises consumers to:
• Be wary of websites or Craigslist advertisements linking to websites where home exercise equipment is offered at steep discounts.
• Be suspicious of websites that ask customers to wire money or pay with a MoneyPak gift card. Consumers should never give their MoneyPak number to someone they don't know.
• Beware of websites requesting MoneyPak as a form of payment even if they display the MoneyPak or Green Dot logo. Consumers should check www.moneypak.com for a list of approved MoneyPak partners.
• Treat your MoneyPak card like cash. Transactions cannot be reversed.
• Make sure you are dealing with a trustworthy business by visiting www.bbb.org
Consumers who have been scammed by fraudulent offers like this should contact their local law enforcement and file a claim, as well as file complaints with the FTC (www.ftc.gov) and at www.ic3.gov
Also contact your Better Business Bureau at http://www.bbb.org/
Thursday, July 21, 2011
Madigan Alerts Consumers to Dangers of Fuel Gel in Firepots
Illinois Attorney General Lisa Madigan is urging consumers to immediately stop using fuel gels in firepots due to their serious potential for causing severe burns.
Recent media reports have brought to light severe and even life-threatening burns and injuries suffered by people using the scented fuel gels, which are poured into firepots for use as outdoor candles. Reports show consumers were injured when they added more fuel into the pot in an attempt to light or re-light the firepot, causing the product to explode into a fireball. One manufacturer, Napa Home & Garden Inc., already has pulled its products from Bed Bath & Beyond stores nationwide as it reviews product labeling for safety, and the federal Consumer Product Safety Commission has opened an investigation into fire gels.
“Fuel gels can be extremely dangerous, and yet most people are unaware of the burn risks they pose,” Attorney General Madigan said.
Attorney General Madigan urged Illinoisans to stop using fuel gels while the CPSC investigates. Madigan also called on business owners to pull all fuel gels from shelves and for consumers to report firepots or fuel gels they see on store shelves to her office.
Any consumer who suffers an injury after using fire gel should immediately report it to the CPSC by calling its hotline at (800) 638-2772 or (800) 638-8270 for the hearing impaired.
Consumers seeking more information can contact Madigan’s Product Recall Hotline at (888) 414-7678, TTY (800) 964-3012 and (866) 310-8398 for Spanish speakers.
Recent media reports have brought to light severe and even life-threatening burns and injuries suffered by people using the scented fuel gels, which are poured into firepots for use as outdoor candles. Reports show consumers were injured when they added more fuel into the pot in an attempt to light or re-light the firepot, causing the product to explode into a fireball. One manufacturer, Napa Home & Garden Inc., already has pulled its products from Bed Bath & Beyond stores nationwide as it reviews product labeling for safety, and the federal Consumer Product Safety Commission has opened an investigation into fire gels.
“Fuel gels can be extremely dangerous, and yet most people are unaware of the burn risks they pose,” Attorney General Madigan said.
Attorney General Madigan urged Illinoisans to stop using fuel gels while the CPSC investigates. Madigan also called on business owners to pull all fuel gels from shelves and for consumers to report firepots or fuel gels they see on store shelves to her office.
Any consumer who suffers an injury after using fire gel should immediately report it to the CPSC by calling its hotline at (800) 638-2772 or (800) 638-8270 for the hearing impaired.
Consumers seeking more information can contact Madigan’s Product Recall Hotline at (888) 414-7678, TTY (800) 964-3012 and (866) 310-8398 for Spanish speakers.
Wednesday, July 20, 2011
Scam Alert: Possible Identity Theft Scam Source Identified
The Better Business Bureau serving Chicago and Northern IL, Inc. has been notified by a reputable source that the website 4theglorycharity.com(http://4theglorycharity.com/) may be the source of a scam offering.
This organization, which is reportedly based in Washington, D.C., is said to be offering funds, possible falsely, in exchange for personal information, including Social Security Numbers. Take notice that the giving away of Social Security Numbers is often involved identity theft scams and the public in general should be advised against taking that action.
Authorities have been alerted regarding this matter. For further information regarding Consumer Safety, please visit the Chicago BBB at chicago.bbb.org.
This organization, which is reportedly based in Washington, D.C., is said to be offering funds, possible falsely, in exchange for personal information, including Social Security Numbers. Take notice that the giving away of Social Security Numbers is often involved identity theft scams and the public in general should be advised against taking that action.
Authorities have been alerted regarding this matter. For further information regarding Consumer Safety, please visit the Chicago BBB at chicago.bbb.org.
Tuesday, June 28, 2011
Better Business Bureau Advises: Weigh the Pros and Cons of Tech Buy-Back Offers
Today’s technology is constantly being updated with models showcasing newer, faster features. To keep up with the latest tech-trend, many consumers are tempted by retailer buy-back programs. The Better Business Bureau (BBB) advises consumers to weigh the pros and cons of these programs before parting with their money.
Typical buy-back programs come in the form of a one-time fee required at the time of the original purchase. To avoid falling behind the latest technology, consumers opt-in to these programs to ensure their gadget doesn’t go stale. As long as it’s 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 may be used toward the purchase of a newer model.
“If you are an individual that likes to say on top of the latest technology, a buy-back program may be for you,” said Steve J. Bernas, president & CEO of the Better Business Bureau serving Chicago and Northern Illinois. “However, as with anything else, you will need to do your research to find out if the program is worth the cost.”
The BBB provides the following information to consumers considering 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. This plan and gift card means you are locked into the issuing retailer for your next technology purchase. Not to mention, 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 item and again when you return it, and then again when you use the gift card, you may 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. Many 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. 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 be sure to take care of your personal data. Many electronic items such as your smartphone or laptop can hold a great deal 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 before reselling to a retailer.
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
Typical buy-back programs come in the form of a one-time fee required at the time of the original purchase. To avoid falling behind the latest technology, consumers opt-in to these programs to ensure their gadget doesn’t go stale. As long as it’s 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 may be used toward the purchase of a newer model.
“If you are an individual that likes to say on top of the latest technology, a buy-back program may be for you,” said Steve J. Bernas, president & CEO of the Better Business Bureau serving Chicago and Northern Illinois. “However, as with anything else, you will need to do your research to find out if the program is worth the cost.”
The BBB provides the following information to consumers considering 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. This plan and gift card means you are locked into the issuing retailer for your next technology purchase. Not to mention, 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 item and again when you return it, and then again when you use the gift card, you may 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. Many 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. 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 be sure to take care of your personal data. Many electronic items such as your smartphone or laptop can hold a great deal 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 before reselling to a retailer.
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
Monday, June 20, 2011
BBB Advice on Giving to Storm and Flood Relief Charities
Americans watching the mounting Mississippi floodwaters and the devastation wreaked by recent tornadoes are responding with generous gifts of time and money, as they’ve traditionally responded to disasters throughout the world. But even when needs are close to home, givers should take steps to assure themselves that their donations will go to legitimate and reputable charities and relief efforts that have the capability to help victims, cautions the Better Business Bureau.
The BBB offers the following five tips to help Americans decide where to direct donations:
Take time to check out the charity. The best way to avoid being disappointed in helping Flood Relief Charities is to find out more about the charity before making the donation. Unfortunately, most people don’t. Donors should review the charity’s website and go to third party sites such as the http://www.bbb.org/ to learn more about the charity.
Identify what stage of relief the charity intends to provide. There are three general stages to flood relief efforts. Find out which stage the charity is intending to address. The Emergency Response stage involves immediate rescue needs and takes place within the first week of the storm or flood. Next, Disaster Relief occurs in the first month and provides clothing and temporary shelter for displaced families. Finally, the Recovery Stage can last over a year and involves clean up, repair and/or rebuilding homes, and other long-term recovery 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 flood 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.
Verify if the charity is registered to solicit donations in your state. Most states require charities to register with a state agency (usually the Attorney General’s office or the Secretary of State’s office) in order to solicit charitable contributions. Contact your appropriate state agency to determine if the soliciting flood relief charity is properly registered. Watch out for newly created entities that do not have a track record and/or experience in providing disaster relief.
The BBB offers the following five tips to help Americans decide where to direct donations:
Take time to check out the charity. The best way to avoid being disappointed in helping Flood Relief Charities is to find out more about the charity before making the donation. Unfortunately, most people don’t. Donors should review the charity’s website and go to third party sites such as the http://www.bbb.org/ to learn more about the charity.
Identify what stage of relief the charity intends to provide. There are three general stages to flood relief efforts. Find out which stage the charity is intending to address. The Emergency Response stage involves immediate rescue needs and takes place within the first week of the storm or flood. Next, Disaster Relief occurs in the first month and provides clothing and temporary shelter for displaced families. Finally, the Recovery Stage can last over a year and involves clean up, repair and/or rebuilding homes, and other long-term recovery 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 flood 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.
Verify if the charity is registered to solicit donations in your state. Most states require charities to register with a state agency (usually the Attorney General’s office or the Secretary of State’s office) in order to solicit charitable contributions. Contact your appropriate state agency to determine if the soliciting flood relief charity is properly registered. Watch out for newly created entities that do not have a track record and/or experience in providing disaster relief.
Monday, June 13, 2011
Preparing for a Disaster
Planning what to do in case of a disaster is an important part of being prepared. The BBB and the IRS offer the following tips to help consumers and businesses help safeguard their records:
• Take Advantage of Paperless Recordkeeping for Financial and Tax Records and backup your electronic files regularly. Store your records in a location in your home where you may be able to quickly retrieve your records.
• Document Valuables and Business Equipment. Taking photos or videotaping the contents of your home and/or business can be very beneficial.
• Check on Fiduciary Bonds. Employers who use payroll service providers should ask the provider if they have a fiduciary bond in place. The bond could protect the employer in the event of default by the payroll service provider.
• Continuity of Operations Planning for Businesses. How quickly your company can get back to business after a disaster often depends on emergency planning done today. Start planning now to improve the likelihood that your company will survive and recover. Review your emergency plans annually. Just as your business changes over time, so do your preparedness needs. When you hire new employees or when there are changes in how your company functions, you should update your plans and inform your people.
The following preparedness strategies are common to all disasters.
• Get informed about hazards and emergencies and learn what to do for specific hazards.
• Develop an emergency plan.
• Learn where to seek shelter from all types of hazards.
• Back up your computer data systems regularly.
• Decide how you will communicate with employees, customers and others.
• Use cell phones, walkie-talkies, or other devices that do not rely on electricity as a backup to your telecommunications system.
• Collect and assemble a disaster supplies kit. Include a portable generator.
• Identify the community warning systems and evacuation routes.
• Include required information from community and school plans.
• Practice and maintain your plan.
• Take Advantage of Paperless Recordkeeping for Financial and Tax Records and backup your electronic files regularly. Store your records in a location in your home where you may be able to quickly retrieve your records.
• Document Valuables and Business Equipment. Taking photos or videotaping the contents of your home and/or business can be very beneficial.
• Check on Fiduciary Bonds. Employers who use payroll service providers should ask the provider if they have a fiduciary bond in place. The bond could protect the employer in the event of default by the payroll service provider.
• Continuity of Operations Planning for Businesses. How quickly your company can get back to business after a disaster often depends on emergency planning done today. Start planning now to improve the likelihood that your company will survive and recover. Review your emergency plans annually. Just as your business changes over time, so do your preparedness needs. When you hire new employees or when there are changes in how your company functions, you should update your plans and inform your people.
The following preparedness strategies are common to all disasters.
• Get informed about hazards and emergencies and learn what to do for specific hazards.
• Develop an emergency plan.
• Learn where to seek shelter from all types of hazards.
• Back up your computer data systems regularly.
• Decide how you will communicate with employees, customers and others.
• Use cell phones, walkie-talkies, or other devices that do not rely on electricity as a backup to your telecommunications system.
• Collect and assemble a disaster supplies kit. Include a portable generator.
• Identify the community warning systems and evacuation routes.
• Include required information from community and school plans.
• Practice and maintain your plan.
Monday, June 6, 2011
Your Package has Arrived
Have you ever received an email stating your package has arrived, yet you never ordered anything, and you weren’t expecting anything? Typically these types of emails find themselves into inboxes around the holidays, offering tracking information on packages; however the bottom line is the same: it’s a phishing email.
Phishing is a term used when someone is attempting to steal personal information such as credit card details, passwords, or social security numbers through an electronic communication.
Your BBB advises consumer to never click on any links or open any attachments to emails until you have confirmed that they are not malicious. Email addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing email. Also beware of unsolicited emails 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 tips on being a savvy consumer visit http://www.bbb.org/.
Phishing is a term used when someone is attempting to steal personal information such as credit card details, passwords, or social security numbers through an electronic communication.
Your BBB advises consumer to never click on any links or open any attachments to emails until you have confirmed that they are not malicious. Email addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing email. Also beware of unsolicited emails 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 tips on being a savvy consumer visit http://www.bbb.org/.
Tuesday, May 31, 2011
The Better Business Bureau Offers Tips for Recruiting New Employees
Even in today’s digital age, most customers have contact with business’s employees, even if only through emails or telephone conversations. Recruiting the right people to represent your company is a difficult but very important task that impacts your reputation and service. The Better Business Bureau offers tips on recruiting the right person to join your team:
• Devise a systematic interview process to make sure that you maximize your time and probability of hiring the right person.
• Keep personality and character traits in mind when determining whether candidates are a right fit for your business.
• Ask behavioral based questions; for example, describe a situation where you were under immense pressure, and how you dealt with this.
• Take a candidate out for coffee or lunch; this will ease the pressure of being in an interview setting giving you better insight into their personality.
• Ask questions about their future; for example, where would they like to be in five years. This gives the candidate the opportunity to articulate their professional and personal ambitions for the future.
• Ask them a question such as why they would be a good at your company; this should open the candidate up to explain how their qualifications and goals complement your company's vision and values.
• Ask open ended questions to learn about the candidate’s communication style.
• Devise a systematic interview process to make sure that you maximize your time and probability of hiring the right person.
• Keep personality and character traits in mind when determining whether candidates are a right fit for your business.
• Ask behavioral based questions; for example, describe a situation where you were under immense pressure, and how you dealt with this.
• Take a candidate out for coffee or lunch; this will ease the pressure of being in an interview setting giving you better insight into their personality.
• Ask questions about their future; for example, where would they like to be in five years. This gives the candidate the opportunity to articulate their professional and personal ambitions for the future.
• Ask them a question such as why they would be a good at your company; this should open the candidate up to explain how their qualifications and goals complement your company's vision and values.
• Ask open ended questions to learn about the candidate’s communication style.
Monday, May 23, 2011
National Moving Month
May is National Moving Month, the start of the busiest time of the year for changing residences. Simple rules when selecting a mover will go a long way toward protecting yourself from being victimized by scams this summer. Unfortunately, every year the BBB receives complaints from consumers who have fallen prey to dishonest and often unlicensed moving companies. However, there are steps you can take to prevent yourself from becoming a victim this summer.
The Better Business Bureau offers the following tips for hiring a trustworthy moving company:
Research the company thoroughly: Check the moving company’s ratings, or if it is an accredited business with your BBB at www.bbb.org
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 that can cost you more in the end.
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.
For more advice on being a safe consumer, and to find a moving company you can trust, visit www.bbb.org
The Better Business Bureau offers the following tips for hiring a trustworthy moving company:
Research the company thoroughly: Check the moving company’s ratings, or if it is an accredited business with your BBB at www.bbb.org
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 that can cost you more in the end.
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.
For more advice on being a safe consumer, and to find a moving company you can trust, visit www.bbb.org
Wednesday, May 4, 2011
Osama Bin Laden Death Social Media Scams
The BBB alerts to be wary of links to photos and fake videos on Facebook and other social media sites claiming to depict the death of Osama Bin Laden. They prompt users to input malicious URL’s into their browsers, which may infect their computer with a virus. Kaspersky Labs, an Internet security firm, 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.”
Below are sample images of these links:
Below are sample images of these links:
BBB Tips to Ensure Mom Gets Her Flowers for Mothers Day as Complaints Rise 60%
Ordering Mother’s Day flower arrangements leads to one of the busiest holidays for florists. It also is an occasion when consumers expect orders to be delivered exactly as promised. The Better Business Bureau (BBB) offers tips to those sending gifts this Mother’s Day to help keep both mothers and wallets happy.
“Whether ordering flowers in person, online or over the phone, consumers should make sure they understand what they are buying, and give the florist complete information to ensure proper delivery,” said Steve J. Bernas, president & CEO of the Better Business Bureau serving Chicago and Northern Illinois.
Complaints in northern Illinois have increased to 533 from 321 or a 60-percent increase in the last 12 months. Inquiries are also up to 6,313 from 2,463 or a 155-percent increase; as more people are shifting to the internet for floral orders they are also doing their due diligence and researching online florists with the BBB first.
Pay careful attention to the options offered such as size of arrangement, color of flowers, color of vase, delivery in a box or vase, and inclusion of an enclosure or gift card.
"Another important point is to make sure that your order is clear and detailed. Review the guarantee on the site or with the salesperson. This will help alleviate your concerns about quality or delivery," states Bernas. “While you think you're ordering from a local florist, you may actually be on the phone with someone hundreds or thousands of miles away.”
The BBB offers the following tips to having a successful flower delivery this Mother’s Day:
Do your homework. Before ordering flowers, chocolates or any other gifts for Mother’s Day check out the company's Business Review at www.bbb.org in order to help prevent disappointment with the product or customer service.
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. If you order ahead of time, delivery and other charges may be less than a last minute order.
Have a back-up plan. Make sure you understand the store's guarantee. Find out how customer complaints are handled and what recourse you will have if the arrangement is not satisfactory.
Make sure the florist has your information. There are times when delivery instructions need to be confirmed or a delivery driver needs additional directions. Making sure the florist has a call-back phone number or your cell phone to help them make sure your mom gets what you expect.
For more information on shopping with companies you can trust, visit www.bbb.org
“Whether ordering flowers in person, online or over the phone, consumers should make sure they understand what they are buying, and give the florist complete information to ensure proper delivery,” said Steve J. Bernas, president & CEO of the Better Business Bureau serving Chicago and Northern Illinois.
Complaints in northern Illinois have increased to 533 from 321 or a 60-percent increase in the last 12 months. Inquiries are also up to 6,313 from 2,463 or a 155-percent increase; as more people are shifting to the internet for floral orders they are also doing their due diligence and researching online florists with the BBB first.
Pay careful attention to the options offered such as size of arrangement, color of flowers, color of vase, delivery in a box or vase, and inclusion of an enclosure or gift card.
"Another important point is to make sure that your order is clear and detailed. Review the guarantee on the site or with the salesperson. This will help alleviate your concerns about quality or delivery," states Bernas. “While you think you're ordering from a local florist, you may actually be on the phone with someone hundreds or thousands of miles away.”
The BBB offers the following tips to having a successful flower delivery this Mother’s Day:
Do your homework. Before ordering flowers, chocolates or any other gifts for Mother’s Day check out the company's Business Review at www.bbb.org in order to help prevent disappointment with the product or customer service.
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. If you order ahead of time, delivery and other charges may be less than a last minute order.
Have a back-up plan. Make sure you understand the store's guarantee. Find out how customer complaints are handled and what recourse you will have if the arrangement is not satisfactory.
Make sure the florist has your information. There are times when delivery instructions need to be confirmed or a delivery driver needs additional directions. Making sure the florist has a call-back phone number or your cell phone to help them make sure your mom gets what you expect.
For more information on shopping with companies you can trust, visit www.bbb.org
Friday, April 15, 2011
Are You Surfing Facebook with a Secure Connection?
Back in February, Facebook introduced an optional security setting that allows you to surf Facebook more securely: by SSL / HTTPS. Having a connection with HTTPS in the browser as opposed to HTTP helps protect your password as it moves from your computer to the website’s server that you are accessing. This is just a reminder that if you have not already changed your settings to protect yourself, do so now.
How to change your setting:
While on Facebook, look at your URL address in the browser. If you see “http:” instead of “https:” you DO NOT have a secure session. It’s easy to change. Just go to Account (upper right) and click Account Settings. Then Account Security – click Change. Check box (secure browsing), click Save.
How to change your setting:
While on Facebook, look at your URL address in the browser. If you see “http:” instead of “https:” you DO NOT have a secure session. It’s easy to change. Just go to Account (upper right) and click Account Settings. Then Account Security – click Change. Check box (secure browsing), click Save.
Monday, April 11, 2011
Protect your identity — and your pocketbook.
Fighting identity theft means staying vigilant online and off. Protect your identity by taking the following steps from your Better Business Bureau:
• Monitor your financial accounts closely to more quickly detect suspicious activity.
• Make sure your computer has up-to-date antivirus software and be extremely selective when opening attachments or clicking on links in e-mails.
• Shop online through secure sites only and always confirm that the business is trustworthy before entering your credit or debit card number.
• Always shred sensitive documents - this includes personal financial information such as bank, credit card and Social Security numbers. This can be done at your BBB’s free shredding events; our next annual shredder event is:
Saturday, June 25, 2011
9:00am-2:00pm
United Center
1901 West Madison Street
Chicago, IL 60612
For more details on upcoming Shred Days in your area, visit www.chicagoshreds.com.
• Monitor your financial accounts closely to more quickly detect suspicious activity.
• Make sure your computer has up-to-date antivirus software and be extremely selective when opening attachments or clicking on links in e-mails.
• Shop online through secure sites only and always confirm that the business is trustworthy before entering your credit or debit card number.
• Always shred sensitive documents - this includes personal financial information such as bank, credit card and Social Security numbers. This can be done at your BBB’s free shredding events; our next annual shredder event is:
Saturday, June 25, 2011
9:00am-2:00pm
United Center
1901 West Madison Street
Chicago, IL 60612
For more details on upcoming Shred Days in your area, visit www.chicagoshreds.com.
Monday, April 4, 2011
Tips to Avoid Online Scammers
While it would be nice if all businesses and customers operated in a trustworthy and ethical fashion, the truth of the matter is, they don’t.
Your Better Business Bureau serving Chicago and Northern Illinois is here to provide advice on how you can be a smart, educated consumer in the many facets of online scams and fraud – many of which share the same red flags.
• Get everything in writing and always read the fine print.
While it’s natural to want to avoid reading the fine print, it’s important that customers understand their rights. Whenever signing a contract, especially on the internet, your BBB recommends reading the fine print carefully.
• Never wire money to someone you don’t know.
Many scams bill victims by convincing them to wire money. The reasons for wiring money can vary and include mystery shopping, paying fees to win a lottery and — if the target is a small business owner—overpayment for goods or services. Scammers know it’s extremely difficult to track money sent via MoneyGram or Western Union. More troubling for victims is that it’s nearly impossible to get your money back. Even if you’ve been given a check to supposedly cover the amount you’re wiring, never send money to someone you don’t know personally.
• Know where to complain.
If you’ve been ripped off online, there are any number of organizations and government agencies that want to hear about it. You can file a complaint with:
• Your Better Business Bureau at www.bbb.org
• The Federal Trade Commission and your Attorney General’s Office
• Always check businesses out with the BBB.
Research businesses you can trust at www.bbb.org and consider using the BBB’s FREE online service called eQuote to obtain estimates, proposals or general information from BBB Accredited Businesses.
Your Better Business Bureau serving Chicago and Northern Illinois is here to provide advice on how you can be a smart, educated consumer in the many facets of online scams and fraud – many of which share the same red flags.
• Get everything in writing and always read the fine print.
While it’s natural to want to avoid reading the fine print, it’s important that customers understand their rights. Whenever signing a contract, especially on the internet, your BBB recommends reading the fine print carefully.
• Never wire money to someone you don’t know.
Many scams bill victims by convincing them to wire money. The reasons for wiring money can vary and include mystery shopping, paying fees to win a lottery and — if the target is a small business owner—overpayment for goods or services. Scammers know it’s extremely difficult to track money sent via MoneyGram or Western Union. More troubling for victims is that it’s nearly impossible to get your money back. Even if you’ve been given a check to supposedly cover the amount you’re wiring, never send money to someone you don’t know personally.
• Know where to complain.
If you’ve been ripped off online, there are any number of organizations and government agencies that want to hear about it. You can file a complaint with:
• Your Better Business Bureau at www.bbb.org
• The Federal Trade Commission and your Attorney General’s Office
• Always check businesses out with the BBB.
Research businesses you can trust at www.bbb.org and consider using the BBB’s FREE online service called eQuote to obtain estimates, proposals or general information from BBB Accredited Businesses.
Monday, March 28, 2011
Walgreens to Acquire Drugstore.com
Walgreens announced that it will acquire Drugstore.com, a popular online retailer for a reported $409 million, according to TechCrunch.
Walgreens will also obtain other websites operated by Drugstore.com, including Beauty.com and SkinStore.com. The drugstore said it will maintain separate branding for each website.
Drugstore.com, which was founded in 1998, operates out of Bellevue, Washington, with more than 1,000 employees. Walgreens has promised it will maintain the corporate office after the merger. Drugstore.com registered more than $456 million in sales in 2010.
Walgreens will also obtain other websites operated by Drugstore.com, including Beauty.com and SkinStore.com. The drugstore said it will maintain separate branding for each website.
Drugstore.com, which was founded in 1998, operates out of Bellevue, Washington, with more than 1,000 employees. Walgreens has promised it will maintain the corporate office after the merger. Drugstore.com registered more than $456 million in sales in 2010.
Monday, March 14, 2011
After an Auto Collision: Informed Towing and Repair Information
Car accidents usually bring a load of stress, leaving motorists in need of immediate help. Accident victims who may not make informed decisions on their towing and repair services could face high up-front fees, improper repairs and extended lengths of time in which their vehicles were out of service while waiting for repairs.
The Better Business Bureau (BBB) serving Chicago and Northern Illinois has compiled the following tips to help drivers make informed decisions after an accident:
Towing:
• Call your insurance agent from the accident scene.
• Never give permission to a tow operator who arrives unsolicited to take your vehicle.
• Do not provide a tow truck operator with personal lien holder information.
• Ensure that the tow truck signage matches the name that you called and is identical to any documentation the tow truck operator provides.
• If the truck is not marked, ask for identification.
• If in doubt, call the company back to insure the operator is.
Repairs:
• Get recommendations. Talk to friends and family for recommendations. Ask your auto insurance agent, auto parts salesperson, or other business people you know.
• Check the repair shop's complaint records with the Consumer Protection Division and their Business Review your Better Business Bureau. The shop you select should have a good track record of resolving any complaints.
• Look for a mechanic with experience working on the same automobile model and make as yours. Seek out a mechanic with good credentials, updated knowledge and skill. Some shops display ASE (Automotive Service Excellence) certification, which indicates the mechanic has met basic standards in a specific technical area. You can also check for shops that participate in the AAA auto service program. But be careful. An ASE test or other certification is not an indication of ethics and integrity.
• Interview mechanics. Are they willing to answer your questions? Do they convey a positive, professional image? Ask if the technician or shop has experience working on the same model vehicle as yours.
Ask the shop for the names of customer references. Then call those references.
• Look for a shop with a clean and well maintained repair area.
• Do not pay in full until the repairs are complete.
For more information on finding auto repair companies you can trust, visit www.bbb.org
The Better Business Bureau (BBB) serving Chicago and Northern Illinois has compiled the following tips to help drivers make informed decisions after an accident:
Towing:
• Call your insurance agent from the accident scene.
• Never give permission to a tow operator who arrives unsolicited to take your vehicle.
• Do not provide a tow truck operator with personal lien holder information.
• Ensure that the tow truck signage matches the name that you called and is identical to any documentation the tow truck operator provides.
• If the truck is not marked, ask for identification.
• If in doubt, call the company back to insure the operator is.
Repairs:
• Get recommendations. Talk to friends and family for recommendations. Ask your auto insurance agent, auto parts salesperson, or other business people you know.
• Check the repair shop's complaint records with the Consumer Protection Division and their Business Review your Better Business Bureau. The shop you select should have a good track record of resolving any complaints.
• Look for a mechanic with experience working on the same automobile model and make as yours. Seek out a mechanic with good credentials, updated knowledge and skill. Some shops display ASE (Automotive Service Excellence) certification, which indicates the mechanic has met basic standards in a specific technical area. You can also check for shops that participate in the AAA auto service program. But be careful. An ASE test or other certification is not an indication of ethics and integrity.
• Interview mechanics. Are they willing to answer your questions? Do they convey a positive, professional image? Ask if the technician or shop has experience working on the same model vehicle as yours.
Ask the shop for the names of customer references. Then call those references.
• Look for a shop with a clean and well maintained repair area.
• Do not pay in full until the repairs are complete.
For more information on finding auto repair companies you can trust, visit www.bbb.org
Monday, March 7, 2011
Tax Preparation Advice
Most Americans will get assistance from a professional tax preparer or tax software when filing their taxes this year. The 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.
• Ask around. Get referrals from friends and family on who they use and check the BBB Reliability Report on tax preparation services at www.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 18. 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 www.bbb.org
• Ask around. Get referrals from friends and family on who they use and check the BBB Reliability Report on tax preparation services at www.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 18. 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 www.bbb.org
Monday, February 21, 2011
Keep your kids safe online by teaching them the seven stop signs
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.
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:
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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 information on staying safe online, visit www.bbb.org
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:
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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 information on staying safe online, visit www.bbb.org
Tuesday, January 25, 2011
Don’t miss Dateline NBC on Sunday, Jan 30. BBB and Dateline’s Chris Hansen partner to expose a nationwide air duct cleaning scam.
This Sunday, January 30th at 7pm/6pm CT, Dateline presents a compelling new franchise, "The Hansen Files." With the help of the Better Business Bureau, Chris Hansen and "Dateline's" hidden cameras uncover secrets and scams-- taking a special look into a nationwide ring of air duct cleaning companies. This brazen scam-- one that has thrived for more than a decade-- cons thousands of consumers out of millions of dollars, and targets one of the most vulnerable segments of the population: the elderly. "Dateline" discovers that many air duct cleaning companies across the country are using advertising tricks, such as the infamous "bait and switch," promising a low price for the service, only to raise it once in the door. Using hidden cameras, viewers watch what happens as our volunteers call one of the rogue companies. What you'll see next will surprise and offend you, as these air duct cleaners take our volunteers to the cleaners! But the technician will be in for a surprise when Chris Hansen shows up to expose them.
Wednesday, January 12, 2011
Insurance Policies
With winter weather occurring, your Better Business Bureau and the Illinois Department of Insurance reminds the public to check insurance policies on the following:
Snow Plowing
• Before offering to help remove snow from a friend’s driveway with a plow on your truck, read through your policy or talk with your insurance company or agent to make sure you are covered. Your personal automobile policy may not cover your liability and any property damage you might cause.
• If you are using your plow to make a little extra cash this winter, your personal auto insurance policy may not provide coverage. Consider a commercial automobile policy – one that includes coverage for plowing – before committing your services.
Snow Removal at Home
• Generally, your homeowner or renter’s policy will cover liability for injuries should someone slip and fall on your property. However, your insurance company is going to expect that you are performing due diligence to make the walks around your home safe for visitors. If your city has a law requiring snow removal your insurance company may consider that in evaluating a claim, so be sure to check with your city to see what laws apply.
Travel Insurance
• If you are worried about not getting to your destination, or getting stuck, some travel sites and airlines offer travel insurance, which can cover everything from lost luggage to delays and cancellations. Make sure you closely read any policy you consider to be certain what it covers, and ask questions if you don't understand the limits or coverage.
Winter Illness
• Doctors' offices are crowded during cold and flu season. Your health insurance policy may offer alternatives to waiting at the doctor’s office. Ask your health insurer whether your plan includes a nurse answer line that can answer questions about your symptoms or check if your local pharmacy has a quick treatment center that accepts your health insurance.
Find insurance agencies you can trust at www.bbb.org
Snow Plowing
• Before offering to help remove snow from a friend’s driveway with a plow on your truck, read through your policy or talk with your insurance company or agent to make sure you are covered. Your personal automobile policy may not cover your liability and any property damage you might cause.
• If you are using your plow to make a little extra cash this winter, your personal auto insurance policy may not provide coverage. Consider a commercial automobile policy – one that includes coverage for plowing – before committing your services.
Snow Removal at Home
• Generally, your homeowner or renter’s policy will cover liability for injuries should someone slip and fall on your property. However, your insurance company is going to expect that you are performing due diligence to make the walks around your home safe for visitors. If your city has a law requiring snow removal your insurance company may consider that in evaluating a claim, so be sure to check with your city to see what laws apply.
Travel Insurance
• If you are worried about not getting to your destination, or getting stuck, some travel sites and airlines offer travel insurance, which can cover everything from lost luggage to delays and cancellations. Make sure you closely read any policy you consider to be certain what it covers, and ask questions if you don't understand the limits or coverage.
Winter Illness
• Doctors' offices are crowded during cold and flu season. Your health insurance policy may offer alternatives to waiting at the doctor’s office. Ask your health insurer whether your plan includes a nurse answer line that can answer questions about your symptoms or check if your local pharmacy has a quick treatment center that accepts your health insurance.
Find insurance agencies you can trust at www.bbb.org
Tuesday, January 11, 2011
J.B. Brocato's CruxRainmaking Blog
For business development advice, please visit http://www.cruxrainmaking.com/, a blog by author J.B. Brocato. His approach to business development proposes a single, simple, and effective way to exponentially grow business for three types of people: service providers, sales professionals (i.e., people who sell products to other people or procurement departments), and fundraisers for non-for-profit organizations. If you are responsible for generating, or would like to generate, more revenue for your firm, company, or not-for-profit organization, you may be interested in his blog.
Friday, January 7, 2011
BBB and Dateline NBC Expose Nationwide Air-Duct Cleaning Scam
This Sunday, Jan. 9, at 8 p.m. EST "Dateline NBC" presents a compelling new feature, "The Hansen Files." With the help of BBB, Chris Hansen and "Dateline"'s hidden cameras uncover secrets and scams -- taking a special look into a nationwide ring of air-duct cleaning companies. This brazen scam -- one that has thrived for more than a decade -- cons thousands of consumers out of millions of dollars, and targets one of the most vulnerable segments of the population: the elderly.
Tax Tips
The Internal Revenue Service announced that taxpayers have until April 18 to file their tax returns.
According to the IRS, “Taxpayers will have until Monday, April 18 to file their 2010 tax returns and pay any tax due because Emancipation Day, a holiday observed in the District of Columbia, falls this year on Friday, April 15. By law, District of Columbia holidays impact tax deadlines in the same way that federal holidays do; therefore, all taxpayers will have three extra days to file this year. Taxpayers requesting an extension will have until Oct. 17 to file their 2010 tax returns.”
The Better Business Bureau offers the following tips for individuals working on their returns:
• Check for missing, incorrect or illegible Social Security Numbers which can delay a tax refund.
• Taxpayers must sign and date returns. Both spouses must sign a joint return, even with one income. Anyone paid to prepare a return must also sign.
• File electronically instead of using paper tax forms to receive your refund more rapidly; by choosing direct deposit, consumers may also receive their refunds in as few as 10 days.
• Make any check out to “United States Treasury” and enclose it with, but don't attach it to, your return or Form 1040-V, Payment Voucher. Include your Social Security number, daytime phone number, the tax year and the type of form filed.
• Be sure to keep all receipts and other documents and forms that were used in preparing your tax return. The IRS has three years to audit a return. They can audit you without limitation if you do not file, file a false return, or purposely avoid paying taxes.
• If you notice a mistake on your prepared federal tax return, you can make changes by filing a 1040X. You have three years after filing to correct your return with this form.
According to the IRS, “Taxpayers will have until Monday, April 18 to file their 2010 tax returns and pay any tax due because Emancipation Day, a holiday observed in the District of Columbia, falls this year on Friday, April 15. By law, District of Columbia holidays impact tax deadlines in the same way that federal holidays do; therefore, all taxpayers will have three extra days to file this year. Taxpayers requesting an extension will have until Oct. 17 to file their 2010 tax returns.”
The Better Business Bureau offers the following tips for individuals working on their returns:
• Check for missing, incorrect or illegible Social Security Numbers which can delay a tax refund.
• Taxpayers must sign and date returns. Both spouses must sign a joint return, even with one income. Anyone paid to prepare a return must also sign.
• File electronically instead of using paper tax forms to receive your refund more rapidly; by choosing direct deposit, consumers may also receive their refunds in as few as 10 days.
• Make any check out to “United States Treasury” and enclose it with, but don't attach it to, your return or Form 1040-V, Payment Voucher. Include your Social Security number, daytime phone number, the tax year and the type of form filed.
• Be sure to keep all receipts and other documents and forms that were used in preparing your tax return. The IRS has three years to audit a return. They can audit you without limitation if you do not file, file a false return, or purposely avoid paying taxes.
• If you notice a mistake on your prepared federal tax return, you can make changes by filing a 1040X. You have three years after filing to correct your return with this form.
Thursday, January 6, 2011
Better Business Bureau Checklist for Winterizing Your Home
Year after year, people look for ways to save money on heating their homes. The Better Business Bureau (BBB) serving Chicago and Northern Illinois is offering a checklist for homeowners to safely prepare their homes during the winter months and perhaps save a few dollars in the process.
According to the Energy Information Administration, home heating costs this winter are expected to rise by four-percent for homes relying on natural gas and eight-percent for homes heated by propane or electricity. Luckily, homeowners can fend off some of the rising energy costs by winterizing their home.
“High heating costs are a problem each winter for cash-strapped consumers making it especially important to winterize their homes,” said Steve J. Bernas, president & CEO of the Better Business Bureau serving Chicago and Northern Illinois. “It makes good economic sense because a small up-front investment can pay dividends for months by increasing the energy efficiency of a house and reducing overall heating costs.”
The following is a BBB home winterizing checklist:
* Caulking and Weather Stripping. To prevent air leaks, homeowners should inspect the caulking around windows and doors and check for cracking and peeling. In addition, ensure that doors and windows shut tightly and no cold air is coming in due to worn down weather stripping.
* Ceiling fans. By reversing the direction of your ceiling fan so the blades turn clockwise, you push warm air down and force it around the room.
* Furnace. Furnaces older than 15 years might be due for a replacement. For newer furnaces, make sure the filter is clean and the thermostat is working properly.
* Heating ducts. Ducts should be cleaned once every two years. Homeowners should also consider adding insulation to any exposed ductwork in order to prevent losing heated air.
* Emergency kit. When a winter storm strikes, an emergency kit should have all essential materials in one handy place. An emergency kit should include flashlights, candles and matches, a first aid kit, bottled water, non-perishable food and a battery-powered radio. Create the same emergency kit for the car as well, including a couple blankets.
* Smoke alarm and carbon monoxide detectors. Test smoke alarms and carbon monoxide detectors and installing fresh batteries. Homeowners should consider replacing smoke alarms older than 10 years.
* Gutters and ridge vents. Gutters should have been cleaned to prevent any clogs that would cause rainwater to back up and freeze, making the gutters expand and crack. The ridge vents need to be cleaned as well in order to help prevent stagnate air.
* Windows. Window screens should be taken down and replaced with storm windows; they provide an extra layer of protection and keep the house warmer. Investing in a window insulator kit is an inexpensive option to keep out drafts as well.
For more advice you can trust and free referrals on home maintenance and saving money this winter, visit BBB online at www.bbb.org
According to the Energy Information Administration, home heating costs this winter are expected to rise by four-percent for homes relying on natural gas and eight-percent for homes heated by propane or electricity. Luckily, homeowners can fend off some of the rising energy costs by winterizing their home.
“High heating costs are a problem each winter for cash-strapped consumers making it especially important to winterize their homes,” said Steve J. Bernas, president & CEO of the Better Business Bureau serving Chicago and Northern Illinois. “It makes good economic sense because a small up-front investment can pay dividends for months by increasing the energy efficiency of a house and reducing overall heating costs.”
The following is a BBB home winterizing checklist:
* Caulking and Weather Stripping. To prevent air leaks, homeowners should inspect the caulking around windows and doors and check for cracking and peeling. In addition, ensure that doors and windows shut tightly and no cold air is coming in due to worn down weather stripping.
* Ceiling fans. By reversing the direction of your ceiling fan so the blades turn clockwise, you push warm air down and force it around the room.
* Furnace. Furnaces older than 15 years might be due for a replacement. For newer furnaces, make sure the filter is clean and the thermostat is working properly.
* Heating ducts. Ducts should be cleaned once every two years. Homeowners should also consider adding insulation to any exposed ductwork in order to prevent losing heated air.
* Emergency kit. When a winter storm strikes, an emergency kit should have all essential materials in one handy place. An emergency kit should include flashlights, candles and matches, a first aid kit, bottled water, non-perishable food and a battery-powered radio. Create the same emergency kit for the car as well, including a couple blankets.
* Smoke alarm and carbon monoxide detectors. Test smoke alarms and carbon monoxide detectors and installing fresh batteries. Homeowners should consider replacing smoke alarms older than 10 years.
* Gutters and ridge vents. Gutters should have been cleaned to prevent any clogs that would cause rainwater to back up and freeze, making the gutters expand and crack. The ridge vents need to be cleaned as well in order to help prevent stagnate air.
* Windows. Window screens should be taken down and replaced with storm windows; they provide an extra layer of protection and keep the house warmer. Investing in a window insulator kit is an inexpensive option to keep out drafts as well.
For more advice you can trust and free referrals on home maintenance and saving money this winter, visit BBB online at www.bbb.org
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