Your Moment of Trust
A Podcast by BBB of the Tri-Counties: A BIG thank you to Ayers Automotive Repairs in Santa Barbara for Supporting this Podcast! Welcome to this week’s edition of Your Moment of Trust! A new text message scam seems so innocent that it’s tempting to reply. But con artists are using phony “wrong number” texts to lure victims into conversation and falling for a scam. How the scam works You receive a text that reads something like this: “Hey is this John? It’s Amanda. We chatted on Tinder before when I came to visit my cousin but we never met irl. I’m back in town if you want...
info_outline How Much to Tip...Your Moment of Trust
A Podcast by BBB of the Tri-Counties: http A BIG thank you to in Santa Barbara Welcome to this week’s edition of Your Moment of Trust! The end of the year is a time to show appreciation for those who provide necessary services and little luxuries in your daily life. But this year, the increased cost of goods and services means you may need to pay extra attention to your tipping budget. Even if you are limited in what you can give, there’s no need to feel uncomfortable. A little extra thoughtfulness can go a long way. Determining who to tip and how...
info_outline Choosing the Perfect Gifts for your PetsYour Moment of Trust
A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-the-tri-counties A BIG thank you to Ayers Automotive Repair for supporting this podcast! https://www.ayersrepairs.com Welcome to this week’s edition of Your Moment of Trust! Even with inflation worries this holiday season, most pet owners still plan on spoiling their fur babies with holiday gifts. According to a poll by Chewy in 2022 (Chewy is a BBB Accredited Business), more than 90% of pet owners include their pets on their holiday shopping list, and another study shows that giving to pets makes people happy....
info_outline Sticking to your Holiday BudgetYour Moment of Trust
A Podcast by BBB of the Tri-Counties A BIG thank you to Ayers Automotive Repair for supporting this podcast. https://www.ayersrepairs.com Welcome to this week’s edition of Your Moment of Trust! Supply chain problems, shipping delays, and inflation can make it even tougher to create and stick to a budget during the holidays. This meansthat planning ahead and knowing your sp ending limits are more important than ever. How can you build a holiday budget that will cover buying for everyone on your list while keeping you out of debt? BBB recommends the following steps for...
info_outline Sports Memorabilia Scams (Warnings from BBB)Your Moment of Trust
Welcome to this week’s edition of Your Moment of Trust! When shopping for a team jersey or other sports memorabilia, Watch out for fakes. Scammers know that authentic game-used and/or autographed items can fetch big bucks – especially for items commemorating big games. When shopping online, it can be hard to trust that a seller or product is genuine. Follow these tips when buying sports memorabilia: “Game-used” items are highly sought after. Buyers prize items that saw action on the court or field as valuable parts of sports history. Consumers should be aware that there is a...
info_outline BBB's Holiday Tips on Scoring Hard to Find ItemsYour Moment of Trust
Welcome to this week’s edition of Your Moment of Trust! National experts are predicting an increase in spending this holiday season. There is also a concern if many of the items on consumers' holiday lists will be available on the shelf or online and are faced with the disappointing words: “Sorry, this item is currently out of stock.” That’s especially true when there are challenges with supply chains. But does that mean the words “out of stock” are the end of the line? Not at all. With a little determination and some creative thinking, the item might be found and purchased....
info_outline Class Action Lawsuit Scams to Watch Out For!Your Moment of Trust
A podcast by A BIG thank you to in Santa Barbara for supporting this podcast! Welcome to this week’s edition of Your Moment of Trust! You’ve likely heard ads on the TV or radio about the Camp Lejeune class action lawsuit for U.S. military veterans and their families exposed to tainted water at the camp. Marketing agencies and law firms spent over $40 million advertising the lawsuit. Now, scammers are jumping on board too, hoping all the media attention makes it easier to trick people, especially military personnel, into falling for common scam tactics. How the scam...
info_outline Beware of Holiday Job Scams!Your Moment of Trust
A Podcast by A BIG Thank you to for Supporting this Podcast Welcome to this week’s edition of Your Moment of Trust! Retailers and shippers traditionally hire seasonal workers to fulfill holiday shoppers' demands, whether online or in person. These jobs are a great way to make extra money, sometimes with the possibility of turning into a long-term employment opportunity. However, they are sometimes not all that they seem. When looking for something part-time or to fill the gap until a better opportunity comes, the Better Business Bureau has some suggestions to make the seasonal job...
info_outline ZOMBIE DEBT...Don't Let it Come Back to HAUNT YOU!Your Moment of Trust
A Podcast by BBB of the Tri-Counties: A BIG thank you to Ayers Automotive Repair in Santa Barbara, for supporting this podcast. Welcome to this week's edition of Your Moment of Trust! Zombie debt is defined as debt that has been “raised from the dead,” so to speak. It could even be something you never owed at all. When a person doesn’t pay a debt, the lender will take action – by phone, letter, or even a court case – to collect the money they are owed. In some cases, though, the debtor simply can’t pay or can’t be found. In other cases, the debtor files...
info_outline Did you Make this Purchase? DON'T ANSWER THIS TEXT!Your Moment of Trust
This Podcast is Brought to you by A BIG thank you to of Santa Barbara for supporting this podcast! Welcome to this week’s edition of Your Moment of Trust! One of scammers' favorite tactics is impersonating a person or organization you know and trust. That's the premise of this new text message scam, which has been popping up in recent BBB Scam Tracker reports. This time, con artists are impersonating your bank. How the scam works You receive a text message that looks like a fraud alert from your bank. It claims there is some unusual activity in your...
info_outlineA Podcast from BBB of the Tri-Counties:
A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast.
Welcome to this week’s edition of Your Moment of Trust! The weather is warming in some parts of the country, inspiring people to clean up or clear the clutter. The one area many overlook isn't the corner of a room or a forgotten closet; it's the digital device you're reading this article. The BBB encourages people to check their smartphones, laptops, and tablets and take a few minutes to review these tips.
● Lock down your login: Security is critical to protecting accounts used for work and home. Ensure passphrases for each account are lengthy, unique, and safely stored. Enable 2-factor authentication on all accounts that offer it.
● Update your system and software: Avoid procrastination! The most current software, web browsers, and operating systems are some of the easiest and fastest ways to protect your most sensitive assets.
● Back it up: Protect your personal and workplace data by making electronic copies – or backups – of your most important files. Use the 3-2-1 rule to help guide you: 3 backup copies, two different media types, and one offline in a separate location.
● Clean up your online presence: When did you last use all the apps on your phone or tablet? Do you know the settings on all social media accounts that check in with friends and family? Check up on all your accounts. Then, control your role by ensuring you know who has administrative access to your accounts. Keep all of your passwords private.
● Be careful what you share: Quizzes on social media are fun, and keeping in touch is necessary. However, questions on social media might give away too much information about you, your location, or your family. In addition to following the above-listed tips, small business owners should take time to establish, update, and communicate policies and procedures around topics like record retention. It is also imperative that a cybersecurity strategy is in place and used by all employees. BBB has tips on BBB.org/bizhq on how to avoid online scams when working from home. BBB Secure Your ID Day Did you know that protecting your identity is largely in your own hands? Many identity theft victims can trace the theft to something stolen from their possession. BBB has a few guidelines to help safely dispose of electronically stored data. Before participating in BBB’s Secure Your ID Day or other shredding events, prepare your data. Know what devices to digitally “shred”: Computers and mobile phones aren’t the only devices that capture and store sensitive, personal data. External hard drives and USBs, tape drives, embedded flash memory, wearables, networking equipment, and office tools like copiers, printers, and fax machines all contain valuable personal information and stored images.
● Clear out stockpiles: If you have a stash of old hard drives or other devices – even in a locked storage area – information still exists and could be stolen. Don’t wait: wipe and/or destroy unneeded hard drives immediately.
● Empty your trash or recycle bin on all devices, and be sure to wipe and overwrite: Simply deleting and emptying the trash isn’t enough to eliminate a file. You must permanently delete old files. Use a program that deletes the data, “wipes” it from your device, and then overwrites it by putting random data in place of your information ‒ which cannot be retrieved.
○ Various overwriting and wiping tools are available for electronic devices. Remove any identifying information written on labels before disposal for devices like tape drives. Use embedded flash memory or other methods to perform a full factory reset and verify that no potentially sensitive information exists on the device.
● Decide what to do with the device: Once the device is clean, you can sell it, trade it in, give it away, recycle it, or have it destroyed. Note the following:
○ Failed drives still contain data: On failed drives, wiping often fails; shredding/destruction is the practical disposal approach for failed drives. Avoid returning a failed drive to the manufacturer; you can purchase support to keep it – and then destroy it.
○ To be “shredded,” a hard drive must be chipped into small pieces: Using a hammer to hit a drive only slows down a determined cybercriminal; instead, use a trusted shredding company to dispose of your old hard drives. Device shredding can often be the most time- and cost-effective option for disposing of many drives.
Until next time!