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Welcome to this week’s edition of Your Moment of Trust. This year, United States taxpayers must file their income tax forms before the April 18, 2023 deadline. For many people, major life changes, business ownership, or simply a lack of knowledge about the ever-changing tax laws make finding a trustworthy tax preparer a good idea. That said, not all tax preparers have the same level of experience and training. Here are tips for finding someone you can trust with your finances and sensitive personal information. Advice from BBB of the Tri-Counties: How to choose the right tax preparer: When it comes to choosing the right kind of tax preparer for you personally, much will depend on the complexity of your tax situation.

After you’ve decided what qualifications your tax preparer needs, the following tips will help you choose someone who is trustworthy and competent:

● Review the tax preparer’s credentials. EAs, CPAs, and tax attorneys are all qualified to represent their clients to the IRS on all matters. Other preparers can help you with forms and basic matters but cannot represent you in case of an audit. Don’t be afraid to ask about these or other qualifications before you hire someone.

● Be wary of spectacular promises. If a tax preparer promises you larger refunds than the competition, this is a red flag. Many such tax preparers base their fees on the amount of your return and may be likely to use shady tax preparation tactics. In addition, it’s wise to avoid tax preparers who offer “refund anticipation loans” as you’ll probably lose a large percentage of your return to commission fees.

● Get referrals from friends and family. One of the best ways to find a trustworthy tax preparer is to ask your loved ones for recommendations. Once you have a few options, check BBB.org, paying careful attention to other consumers’ reviews or complaint details. This will give you a clear view of what you can expect.

● Think about availability. If the IRS finds errors in your tax forms or decides to perform an audit, will your tax preparer be available to help you with the details? Find out whether you can contact the tax preparer all year long or only during tax season.

● Ask about fees ahead of time. Before you agree to any services, read the contra cts carefully and understand how much the tax preparer charges for theirservices. Ask about extra fees for e-filing state, federal, and local returns, as well as fees for any unexpected complications.

● If things don’t add up, find someone else. If a tax preparer can’t verify their credentials, has a record of bad reviews from previous clients, or their business practices don’t seem convincing, don’t do business with them. Remember that if you hire them, this individual will handle your sensitive personal information – information you need to keep safe from corrupt or fraudulent tax preparers.

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

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

Welcome to this week’s edition of Your Moment of Trust! If your goal is to lose weight, get in better shape, or improve your overall health, deciding to join a gym may be the first step. However, don’t just sign up at the first gym you see or visit. Before signing on the dotted line, research all options first! Get the most from a gym membership by considering these tips from BBB:

● Determine your fitness goals. Determining your goals in advance will help you select a facility that is most appropriate for you. Consult with your physician before embarking on a new fitness regimen, especially if there are medical conditions that might be a concern.

● Figure out your priorities. What is most important to you? Will a convenient location and extended hours help you stick to your fitness plan? Will a variety of equipment or classes keep you motivated? Do you work out while traveling and prefer a chain with numerous outlets? Determine your top priorities before you start shopping around.

● Check BBB.org. Read what previous customers have to say, and see how the businesses respond to complaints. This information may help you narrow down the list of gyms you want to tour in person.

● Take a tour. Make sure the gym has the equipment, classes, and trainers you need or expect. Pay attention to things that are important to you, whether it’s the cleanliness of the showers or the availability of Wi-Fi. Ask questions and make sure you understand all the rules. Ask about busy times, wait times for equipment, whether classes require pre-registration, availability, and cost of trainers, etc. Ask how the gym staff is maintaining the cleanliness of the facilities.

● Ask questions about limited free trials. Gyms often give a one-week free pass for potential members; this is a great way to see if the gym is a good fit for you. Try the gym at different times to see how crowded it is and whether there is a wait for certain equipment. Check out classes if they are offered.

● Don’t feel coerced. Do not give in to high-pressure sales tactics to join right away. A reputable gym will give you enough time to read the contract thoroughly, tour the facilities, do some research, and make an informed decision.

● Calculate the true costs. Gyms often use special introductory offers to encourage new members, but the price could go up more than you budgeted once the initial period is over. Make sure you understand what the regular monthly fees will be and what they include.

● Understand the terms. Read the contract carefully before signing. Make sure that all verbal promises made by the salesperson are in writing. What matters is the contract and the terms within it, so don’t just take a salesperson’s word for it. What happens if you move or the gym goes out of business? Will the membership renew automatically at the end of the term? What is the cancellation policy and under what circumstances?

Go to BBB.org to look up a business, file a complaint, write a customer review, report a scam, and read additional tips.

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

Check out this episode!

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BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-…

Sponsored by Ayers Repairs in Santa Barbara: https://www.ayersrepairs.com

BBB recommends adding a few precautionary steps to the New Year’s resolution list, along with the weight loss and financial goals, to help make the upcoming days and months fraud-free.

● I resolve to be cautious with email. Be wary of unsolicited emails from a person or a company. Remember, scammers can make emails look like they are from a legitimate business, government agency, or reputable organization (even BBB!). Never click on links or open attachments in unsolicited emails.

● I resolve to never send money to strangers. If you haven’t met a person face-to-face, don’t send them money. This is especially true if the person asks you to transfer funds using a pre-paid debit card or CashApp. Money sent to strangers in this way is untraceable and once it is sent, there’s no getting it back. Scammers will try to trick you into panicking – so before making a move, think the situation through. Don’t fall for it!

● I resolve to do research before making online payments and purchases. When shopping online, or if asked to make a payment online, research the retailer before entering payment information. Ask: Is this a person or business I know and trust? Do they have a working customer service number? Where is the company physically located? Would I be making payments through a secure server (https://….com)? Have I checked to see if others have complained?

● I resolve to use my best judgment when sharing my personal information. Sharing sensitive personal information with scammers opens the door to identity theft. Never share financial information, birthdate, address, Social Security/Social Insurance number or Medicare number with an unsolicited caller.

● I resolve to be social media smart. Make use of privacy settings on social media and only connect with people you actually know. Be careful about including personal information in your profile and never reveal your address and other sensitive information – even in a “fun” quiz. Scammers may use this information to make themselves pass as a friend or a relative and earn your trust. Also, be careful when buying products you saw on social media. BBB Scam Tracker has received thousands of complaints about misleading Facebook and Instagram ads.

If you’ve been targeted by online scams, help others avoid the same problem by reporting your experience at BBB.org/ScamTracker.

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

Sponsored by Ayers Automotive Repairs in Santa Barbara https://ayersrepairs.com

Everyone loves a good deal, and scammers know it. Counterfeit coupons are a popular way for scammers to steal your identity and money. Motives and methods vary, but phony coupons often mean serious losses for retailers, consumers, or both.

How the scam works:

You come across a website, either through a web search or an ad on social media, for coupons from major retailers. Usually, fake coupons are worth much more than real ones, offering steep discounts like 80% off. By using brands’ official logos, it’s nearly impossible to tell if it’s fake or not. In some cases, getting the “coupons” requires subscribing to a coupon service and paying a monthly membership fee. Once you sign up, the service promises to either send you digital coupons or paper coupons in the mail. You may never receive any coupons, or you might receive coupons that are fake. Plus, by signing up, you’ve handed over your personal details and possibly your credit card information to a dishonest stranger. You may also come across coupons that offer deals in exchange for sharing a link on social media. Don’t do it! The link leads to a third-party website where visitors enter personal information in exchange for the coupon. In most cases, after signing up, you never receive any coupons. Instead, you’ve given your personal details to scammers.

How to avoid coupon scams:

● Don’t fall for deals that are too good to be true. Be skeptical. If a coupon is valued near or above the retail price of an item, consider it a red flag. ● Check the source of the coupon. If the coupon doesn’t come from a recognized coupon distributor, the manufacturer, or a specific store, be wary. If you aren’t sure about a coupon, visit the company’s website directly to look for the coupon on their official site or contact their customer service line to inquire.

● Think before you click on links in emails. If you receive a coupon via email, hover your mouse over the link without clicking on it to see where it will take you. If the URL looks like a random assortment of letters and numbers, or if it is a shortened link that doesn’t reveal where it’s taking you, don’t click it. Only visit official websites to avoid downloading malware onto your computer.

● Read coupons carefully. If a coupon doesn’t have an expiration date, if it looks photocopied, or if it contains spelling and grammar errors, you’re probably dealing with a fake.

● Don’t trade personal information for perks. A real business will not ask for your personal information, such as your credit card number or bank account information, in exchange for a coupon or to enter a giveaway. Promotional offers that ask for personal information are usually scams. You shouldn’t have to pay to receive a coupon either.

● Do a search for coupon scams. When in doubt, search the coupon offer along with the word “scam.” This will often bring up similar offers that are fake and can help you determine whether a coupon is real or not.

Find other general tips at BBB.org/AvoidScams. If you’ve spotted a coupon scam, report it. Share your experience at BBB.org/ScamTracker to help others recognize scams before it’s too late.

Check out this episode!

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Brought to you by BBB of the Tri-Counties: 

Welcome to this week’s edition of Your Moment of Trust! When the holiday season rolls around, many shoppers turn to online seller platforms to find unique, handmade gifts for their friends and family. Scammers have taken note, and according to recent BBB ScamTracker reports, they’re targeting shoppers with a not-so-unique scam. These recent reports say that the scam is taking place on well-known and reputable websites, such as Etsy (a BBB Accredited Business). Scammers might use this same scam tactic on other platforms as well. How the scam works You’re browsing online when you find a special gift or holiday decoration that you’d like to purchase. The photos seem professional, and everything looks normal… except for one thing. In the item description, you find a message from the seller advising you not to make the purchase through the online sales platform where you have discovered it. Instead, the seller encourages you to purchase the item directly from their independent website, promising you’ll get a hefty discount if you do.

If you follow the link to a website outside the original sales platform and make a purchase, you’ll likely be disappointed when your card is charged, but the product never arrives. Unfortunately, that’s because the product probably never existed in the first place. Worse yet, if you have fallen for this type of scam, your payment information will now be in the hands of unscrupulous characters. One consumer reported this experience: “When I checked out the listing, there was a message that looks like this: ‘DO NOT purchase from this store, visit our website to get 50% off.’ I fell for it and purchased a pair of shoes. I received a confirmation email for my purchase with a tracking number. When nothing arrived, I sent multiple messages inquiring about my order and when I could expect shipment. I received no response. I went back to the website to input my tracking order, and the website was no longer available.”

How to avoid online shopping scams

● Do business with reputable websites. In general, avoid going off-platform to buy from sellers that you discover online; it’s much safer to purchase through reputable websites that help specialty sellers connect with buyers. Legitimate websites like Etsy have specific policies in place to protect sellers and buyers. For example, at Etsy, if an order isn’t delivered, you can open a case with Etsy, and you may get your money back. If a seller asks you directly to shop outside of a website where they listed products, think twice. Etsy states: “To avoid scams and fraud, all transactions must take place on the Etsy platform, through the Etsy checkout system.”

● Research the seller. Read customer reviews keeping an eye out for any reports of scams or dishonest behavior. If the seller doesn’t have any reviews yet, do a general online search of the seller’s name, the item, and the word “scam,” just to be safe.

● Protect your personal information. When making purchases online, be careful with sensitive personal details, such as your name, address, and payment information. Read a website’s privacy and security policies to find out how they use and protect your information (e.g., are they sharing it with third parties or using encryption?). Also, check the website’s terms and conditions of sale, including specifics about issues such as delivery, refunds and restocking fees (which may be substantial). Decide whether you feel comfortable with these policies. If the website does not post easily accessible privacy and security policies and acceptable terms and conditions, consider it a red flag.

● Shop with a credit card. Whenever possible, use your credit card to make online purchase/s. It is easier to dispute fraudulent charges, and you have a better chance of getting your money back if something goes wrong. Demands to wire funds or use gift cards for payment are a major sign that you should just walk away. If you spot a scam while shopping online, report it at BBB.org/ScamTracker. Your report can help other consumers spot a scam before it’s too late.

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

Check out this episode!