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 by BBB of the Tri-Counties
A BIG thank you to Ayers Auto Repairs in Santa Barbara for Supporting this Podcast
Welcome to this week’s edition of Your Moment of Trust! Electric bicycles— or e-bikes –
allow riders to go farther and faster than a standard bicycle. Riding an e-bike instead of
driving a car can help you lower your carbon footprint, save on gas money, and stay
active.
E-bikes come in many models and price ranges, so finding the right one for your needs
requires research. BBB recommends the following tips to help you pick the right e-bike
for your budget.
Tips for buying an e-bike
● Think about what you need. First, think about your riding style. Will your e-bike
be for recreation or commuting? Do you need to haul groceries or a child? Will
you be riding on dirt roads or pavement? Will you be riding on flat ground or
steep hills? How many miles will you cover on a trip? Knowing the answers to
these questions will help you narrow down your choices.
● Get to know e-bike classes. E-bikes are divided into classes. With class 1 electric
bicycles, the motor only runs when you pedal and stops running when you reach
20 mph. Class 2 e-bikes do the same but also have a throttle-powered mode.
Class 3 e-bikes work like class 1 bikes but assist up to 28 mph. Think about how
you intend to use your e-bike but check access rules too. E-bike regulations vary
from state to state and determine where to use the bike.
● Choose the right type of electric bicycle. There are many different kinds of
e-bikes. The style you pick depends on how you plan to use your bike.
○ Commuter bikes usually come with fenders, lights, and other accessories
that make them safer to use in traffic. Some come in foldable models,
making them easier to stow on public transportation.
○ Cruiser models are more comfortable and allow the rider to sit upright.
These are generally for recreation and don’t always come with
accessories that would make them suitable for long-distance trips.
○ E-mountain bikes have thicker frames and bigger tires and are suitable for
off-roading and steep inclines.
○ Performance road bikes are more lightweight and designed to tackle
longer distances with dropdown handlebars that help you maintain anaerodynamic posture.
○ Cargo bikes are robust and built to haul bulky items or even an extra
passenger.
● Understand the motor options. E-bikes come with either a hub-drive motor, which
sits in the wheel's hub, or a mid-drive motor on the bike's bottom bracket where
your pedals are. Mid-drive motors have a more natural feel, while rear-wheel
hub-drive motors make you feel like you are being pushed along.
● Need more power? Consider a high torque number. The lower the torque
number, the less powerful the bike will feel. If you are cruising city streets, this
may not be a problem, but if you plan to ride trails, gravel paths, or steep inclines,
you might need a higher torque rating.
● Be sure the battery meets your needs. Review battery ratings and determine how
many miles you can ride before recharging. Does this cover your commute
distance and other needs? Find out how many charge-discharge cycles you can
expect your battery to last. Quality e-bikes generally last for at least 1,000 full
cycles. For an average rider, the battery will last for about three to five years
before you need to replace it.
● Get the right size bike for you. Be sure you fit comfortably on the e-bike model
you are considering buying. You should feel comfortable when riding and be able
to mount and dismount without falling over. It’s always best to check out an
e-bike before buying. If you are shopping online, carefully compare the e-bike
measurements to those of a similar style bicycle you know you feel comfortable
on.
● Think about maintenance. Like any vehicle, your e-bike will need periodic
maintenance and perhaps even repairs. Always understand your warranty and
the type of tune-up and repairs needed. Purchase your e-bike from a company
that is happy to answer your questions and offers good customer service. This
will come in handy if you ever need a repair.
Until next time!