Busy this season? You probably are – everyone gets caught up in the year-end holiday madness. But no matter how busy you may be, there’s one group of people that never rest: online thieves, crooks and scammers. With just a few weeks left in peak shopping season, scammers are pulling out all stops to try to separate you from your money. Don’t let any fake, scam Santas ruin your holidays. The Better Business Bureau keeps an eye on active swindle schemes and offers an updated list for this season: 12 Scams of Christmas: What to Look For and How to Avoid Them.
Here’s a brief summary – click through the link above to learn more and to find out ways to prevent being a con victim.
1. Look-Alike Websites – these usually come by email offers so buyer beware of what you click! 2. Social Media Gift Exchange – a new twist on the old pyramid scheme. 3. Grandparent Scams – emergency calls for cash help from crooks posing as relatives or friends. Hint: elderly are particularly vulnerable, but hardly the only victims. 4. Temporary Holiday Jobs – fake employers trying to get personal information from unwary applicants. 5. Free Gift Cards – a common phishing scam bait. 6. E-Cards – More people rely on electronic versus traditional cards. So do more phishers – be careful what you click in emails. 7. Fake Shipping Notifications – Phishers know that most people are ordering or getting holiday gifts and you might get tricked by a phony mail alert. 8. Phony Charities – Giving is great, but check with BBB or with sites like Charity Navigator. 9. Letters From Santa – great when they are legit but use a trusted source. 10. Unusual Forms of Payments – If the seller wants prepaid debit or gift cards, wire transfers or payments through third parties, that is a scam alert! 11. Travel Scams – Phony email offers and scam sites are common all year, but especially in this heavy travel season. 12. Puppy Scams – These play on your emotion, but at the heartstrings and wallet. Get your puppies from trusted sources!
We recommend this age-old advice: if it seems too good to be true, it probably is. Be suspicious of emails. Hover over links before you click, or better yet, go directly to the site by typing in the URL. Rely on trusted vendors and be wary of email or online offers from companies you don’t know. BBB says that if you come across any of these scams this holiday season help protect yourself and others by:
Keeping a close eye on your financial statements and quickly dispute any unrecognized charges.
Home fires can happen any time of the year, but there are special risks over the holidays. Two very common activities that are popular at the holidays are often the source of fires: Holiday decorating and holiday cooking. For example, the top three days of the year for home candle fires are Christmas, New Year’s Day and New Year’s Eve. The National Fire Protection Association and the United States Fire Administration urge people to Put a freeze on winter fires. In this post, we focus on holiday fore prevention. We’ve included a video and infographic from the “Put a freeze…” campaign, as well as holiday decorating tips that they suggest.
Decorating for the holidays
Only use decorations that are flame-retardant or not flammable.
Check holiday lights each year for frayed wires or excessive wear.
Don’t link more than three strands of holiday lights.
Never leave a burning candle unattended. Consider using battery-operated flameless candles.
Christmas tree safety
Choose a tree with fresh, green needles that do not fall off when touched.
Before placing the tree in the stand, cut 2” from the base of the trunk.
Make sure the tree is at least three feet away from any heat source, like fireplaces, radiators, candles, heat vents or lights.
Make sure the tree is not blocking an exit.
Add water to the tree stand. Be sure to add water daily.
Use lights that have the label of a recognized testing laboratory. Some lights are only for indoor or outdoor use.
Replace any string of lights with worn or broken cords or loose bulb connections. Read manufacturer’s instructions for number of light strands to connect.
Never use lit candles to decorate the tree.
Always turn off Christmas tree lights before leaving home or going
Get rid of the tree after Christmas or when it is dry.
Dried-out trees are a fire danger and should not be left in the home or garage, or placed outside against the home.
Check with your local community to find a recycling program.
Bring outdoor electrical lights inside after the holidays to prevent hazards and make them last longer
Don’t let your children’s holiday toy wishlist turn scary this year: every 3 minutes, a child is treated in an emergency room for a toy-related injury. As you compile your holiday shopping list, take some time to check the list online against reviews and product safety reports. And a good place to start are the seasonal safety reports that various consumer safety groups issue.
The Worst Toys for 2018
The World Against Toys Causing Harm (W.A.T.C.H.) recently released its 10 Worst Toys for 2018 report. They say that, “… toys like the “Power Rangers Super Ninja Steel Superstar Blade” and “Marvel Black Panther Slash Claw,” should not be in the hands of children.” This year’s toy report addresses the types of toy hazards available online and in retail stores so parents know what deadly traps to avoid when buying toys. In addition to their press release linked above, check out the slide show with photos so you can recognize the toys, some of which would have strong “kid appeal.”
for Toys Marketed On The Internet, without warnings, instructions or age recommendations posted on the website.
for Battery Operated Toys For Children Under 8 Years Of Age since batteries may leak, overheat and explode.
for Toys With “Fur” Or “Hair”, including dolls and stuffed animals, that can be ingested and aspirated by oral age children.
for Toys With Small Removable Attachments at the end of laces and strings (e.g., bells, knobs, etc.).
for Projectile Toys, including dart guns, sling shots, and pea-shooters which shoot objects and can cause eye injuries and often blindness.
for Toys With Pointed Tips, And Blunt Or Sharp Edges that could crush, cut or puncture children’s skin.
for Toys With Strings Longer Than 6 Inches which could strangle small children.for Any Crib Or Playpen Toys which are to be strung across cribs or playpens. This type of toy has resulted in strangulation deaths and injuries.
for Toys Marketed With Other Product Lines, such as food, clothing, books, cassettes and videos which could have dangerous designs and are often sold with no warnings, instructions or age recommendations.
for Toys Composed Of Flammable Material which will readily ignite when exposed to heat or flame.
for Realistic Looking Toy Weapons including guns, dart guns, Ninja weaponry, swords, toy cleavers, knives, and crossbows which promote violence.
for Toys Which Require Electricity to function and do not have step-down transformers to reduce risk of shock and electrocution.
for Toys With Small Parts that can be swallowed or aspirated, causing choking.
for Long Handled Toys For Children Up To 4 Years Of Age due to a tendency of such children to place these toys in their mouths and choke.
for Toys With Toxic Surfaces Or Components that have the potential to be ingested or cause skin irritations (e.g., some children’s’ play make up kits have components which contain ferrocyanide, a known poison).
Magnets – Children’s magnetic toys are covered by a strong safety standard that prevents magnets from being swallowed. High-powered magnet sets that have small magnets are dangerous and should be kept away from children. Whether marketed for children or adults, building and play sets with small magnets should also be kept away from small children.
Balloons – Children can choke or suffocate on deflated or broken balloons. Keep deflated balloons away from children younger than eight years old. Discard torn balloons immediately.
Small balls and other toys with small parts – For children younger than age three, avoid toys with small parts, which can cause choking.
Scooters and other riding toys – Riding toys, skateboards and in-line skates go fast, and falls could be deadly. Helmets and safety gear should be worn properly at all times and they should be sized to fit.
Check the label: Choose age appropriate toys by reading the age label on the toy. Children younger than 3 should not have access to toys with small parts, which can cause choking. Also avoid marbles and small balls for children under 3.
Get safety gear. With scooters and other riding toys, supervision is key along with proper safety gear that includes helmets. Helmets should be worn properly at all times and they should be sized to fit. Avoid riding a scooter on a street or roadway with other motor vehicles.
Keep toys appropriate for older children away from younger siblings.
Battery charging should be supervised by adults. Chargers and adapters can pose thermal burn hazards to young children. Pay attention to instructions and warnings on battery chargers. Some chargers lack any mechanism to prevent overcharging.
With Thanksgiving in our rear view mirror, we enter the season of holiday parties. If you are planning to host parties at your home or business this season, it’s time to think about responsible party hosting practices. We’re revisiting a post we made a full decade ago on holiday party do’s and dont’s – despite, the passage of time, everything is still relevant today!
A national survey on homeowners insurance issues by Trusted Choice and the Independent Insurance Agents & Brokers of America (IIABA) found that about one-third of homeowners did not think or did not know if they could be held responsible in the event of an alcohol-related accident. In addition, more than 46% of the survey respondents thought they weren’t liable in the event that a guest became seriously ill from catered food consumed at the host’s home and more than 22% didn’t think they could be held responsible if a guest was injured on the sidewalk in front of their property. In fact, these are all situations in which a homeowner could have liability.
A spokesman for the IIABA suggest that homeowners regularly review their liability coverage limits with their independent agent to ensure adequate coverage, and that frequent party hosts inquire about an umbrella policy providing $1 million or more in additional coverage. IIABC also suggest the following holiday hosting tips for homeowners and business owners:
Limit your guest list to those you know.
Host your party at a restaurant or bar that has a liquor license, rather in a home or office.
Provide filling food for guests and alternative non-alcoholic beverages.
Schedule entertainment or activities that do not involve alcohol. If the party centers around drinking, guests will likely drink more.
Arrange transportation or overnight accommodations for those who cannot or should not drive home.
Stop serving alcohol at least one hour before the party is scheduled to end.
Do not serve guests who are visibly intoxicated.
Consider hiring an off-duty police officer to discretely monitor guests’ sobriety or handle any alcohol-related problems as guests leave.
Stay alert, always remembering your responsibilities as a host.
Review your insurance policy with your agent before the event to ensure that you have the proper liability coverage.
Heading out to Grandma’s for a home-cooked meal this Thanksgiving? Two words: leave early. This Thanksgiving, AAA says to expect more of everything this year over last year. Expect heavier traffic and higher gas prices when you hit the road. Gas rates are expected to be the highest in four years, with a national average of $2.79 as of November 1, 31-cents more than a year ago. And as for traffic:
“AAA projects 54.3 million Americans will journey 50 miles or more away from home this Thanksgiving, a 4.8 percent increase over last year. The 2018 holiday weekend will see the highest Thanksgiving travel volume in more than a dozen years (since 2005), with 2.5 million more people taking to the nation’s roads, skies, rails and waterways compared with last year. For the 48.5 million Americans planning a Thanksgiving road trip, INRIX, a global mobility analytics company, predicts travel times in the most congested cities in the U.S. could be as much as four times longer than a normal trip.”
The AAA Thanksgiving press release offers a chart with the worst time to hit the road in America’s largest cities and the worst travel times to the nation’s busiest airports. For Boston, they suggest that the worst time to hit the road is between 4 to 6 PM, noting that I-495 S from exits 41 to 33 will be the most congested. All in all, they say to expect a 3.5x delay multiplier.
For another cool planning tool, Google’s Mapping Thanksgiving 2018 is an interactive feature that uses data from 2017 to offer insight into the places people visit around the holidays, when to visit them, and the best times to get on (or stay off) the road. You can search by state, view traffic patterns in key metropolitan areas and use an interactive feature to find out the best time to start your road travel.