Category Archives: Consumer protection

Shopping tips to avoid dangerous toys

By RENAISSANCE ALLIANCE

Little boy playing with toy cars

Right now, Santa is checking his lists, but don’t leave it all up to him. If you are a parent or give gifts to kids, we encourage you to learn about common toy hazards so that you can sort out the naughty from the nice when it comes to toys. In 2018, injuries related to toys sent an estimated 226,000 kids to hospital emergency rooms, according to data recently issued by the U.S. Consumer Product Safety Commission. While stronger safety standards have significantly reduced the number of dangerous toys for sale over recent years, there are still problem toys that can hurt kids. If you are shopping for children’s holiday gifts, it’s important to be aware of the risks – particularly when shopping online.

The 34th-annual Trouble in Toyland report from U.S. PIRG Education Fund helps identify dangerous products and provides tips for parents and gift-givers. These annual reports have led to more than 150 recalls of unsafe toys, inspired legislation to strengthen toy safety and empowered parents to take key actions to ensure toys are safe. We’re offering  safety tips from the report but encourage you to visit the site at the link above and to download and read the full report. Also, check for toy recalls and follow Safety Alerts issued by the US Consumer Protection Safety Commission

Here are “What to watch for” tips from the Trouble in Toyland Report

  • Toys with sound – If a toy is too loud for you, it could be loud enough to damage your child’s hearing. Turn off the sound, remove the batteries or return the toy.
  • Slime – Some slimes contain high levels of toxic boron. Consider making homemade alternatives without borax, or monitor your children at all times. If your child ingests a slime product, call Poison Control.
  • Fidget spinners and toys marketed to adults – Some products, such as fidget spinners or children’s makeup, are not classified as toys and avoid certain safety standards. These products could contain higher levels of lead, choking risks and other hidden dangers. Avoid these “toys,” or watch your kids closely while they play.
  • Toys with small parts – Toys marketed to ages six and older may contain small parts that are choking hazards for younger children. Parents should check all toys for age guidelines. Before your child plays with a toy for the first time, see if smaller parts fit through a toilet paper roll — indicating they pose a choking hazard. Watch our video to learn how.
  • “Hatching” toys – Toys with break-apart packaging can become choking hazards for small children. Monitor your child while they open the packaging and promptly dispose of the pieces.
  • Balloons – Never let a child under three play with balloons, and monitor any child under 8, as balloons are the number one choking hazard for children.
  • Smart toys – Sites, apps, games and smart toys may be collecting private data from your child and exposing their information to hackers. Consider running these smart toys without connections to the internet, evaluating privacy policies when you first activate them, and monitoring your child’s use. Check out this guide for more info.
  • Makeup – We found asbestos in Claire’s makeup last year. Makeup lacks necessary safety standards, which is why we recommend avoiding these products for children, or at a minimum purchasing alternatives without talc, as it can be a source of asbestos.
  • Toys with small magnets -Swallowed magnets can cause serious internal damage by bunching together. Keep away from young children and monitor older children when they are playing with toys containing magnets.
  • Toy jewelry with toxic metals – Cadmium is a toxic metal that can be used as a substitute for precious metals in inexpensive jewelry, including dress-up jewelry marketed to young children. If your child is under six, watch them carefully to confirm that they don’t swallow a piece of jewelry, chew on the item, or put it in their mouths. Also, consider avoiding cheaper, metallic jewelry that is imported.
  • Recalled toys sold secondhand – Before using an old or pre-owned toy from an online marketplace, garage sale or passed down from a family member, parents should confirm that the product has not been recalled by visiting www.SaferProducts.gov.
  • Toys already in your home, school, or childcare facility – A survey earlier this year by U.S. PIRG Education Fund found 1 in 10 surveyed childcare facilities still using recalled inclined sleepers, despite a heavily publicized recall. The same problem exists in the toy market, potentially to a greater extent, since many recalls receive less attention in the media, regardless of their risk.

2019 Worst Toy Nominees

The World Against Toys Causing Harm (W.A.T.C.H.)  recently released its 2019 Nominees for the 10 Worst Toys – check out the report for photos and descriptions so you can recognize the toys, some of which would definitely have appeal. The W.A.T.C.H. report also cautions about chopping online, which it has likened to the Wild West when it comes to outlawed toys.

W.A.T.C.H. lists the following safety tips related to toys to watch out for:

  • Toys Marketed On The Internet, with product descriptions that may omit warnings and cautions or provide incomplete or misleading information
  • Battery Operated Toys For Children Under 8 Years Of Age since batteries may leak, overheat and explode.
  • Toys With “Fur” Or “Hair”, including dolls and stuffed animals, that can be ingested and aspirated by oral age children.
  • Toys With Small Removable Attachments at the end of laces and strings (e.g., bells, knobs, etc.).
  • Projectile Toys, including dart guns, sling shots, and pea-shooters which shoot objects and can cause eye injuries or blindness
  • Toys With Pointed Tips, And Blunt Or Sharp Edges that could crush, cut or puncture children’s skin.
  • Toys With Strings Longer Than 6 Inches which could strangle small children.
  • 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.
  • 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.
  • Toys Composed Of Flammable Material which will readily ignite when exposed to heat or flame.
  • Realistic Looking Toy Weapons including guns, dart guns, Ninja weaponry, swords, toy cleavers, knives, and crossbows which promote violence.
  • Toys Which Require Electricity to function and do not have step-down transformers to reduce risk of shock and electrocution.
  • Toys With Small Parts that can be swallowed or aspirated, causing choking.
  • 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.
  • Toys With Toxic Surfaces Or Components that have the potential to be ingested or cause skin irritations (e.g., some children’s’ play makeup kits have components which contain ferrocyanide, a known poison).

Tips for Black Friday, Small Business Saturday, Cyber Monday and Giving Tuesday

By RENAISSANCE ALLIANCE

illustrated men and women in a shopping frenzy on Black Fridat
Fast on the heels of Thanksgiving Thursday comes Frenetic Friday, better known as Black Friday – the busiest retail shopping day of the year. If throwing yourself into the fray is how you choose to work off your Thanksgiving calories, we have some tips to make the best of it (below), as well as a few shopping safety reminders. But if you’d rather pull out your fingernails one by one than brave the bargain-hunting hordes, you can choose to celebrate the day as Buy Nothing Day. Whether you choose to buy nothing out of conviction or laziness, it’s a good day to practice the fine art of relaxation with friends and family.

But Friday is just the start. What began as a single shopping day has spawned a series of themed days.

  • Saturday is the 10th annual Small Business Saturday – and we really like that idea. It’s less crowded and crazy and it focuses on small local businesses in your home community. Small businesses are the lifeblood and personality of every community so we encourage you to get out and support your neighbors. Find a Small Business near you.
  • Cyber Monday is a huge online shopping day. A little know alternate name for the day is Low Productivity Monday because employees everywhere are surreptitiously shopping for deals at their desks.
  • Our favorite day is Giving Tuesday, December 03, 2019, a global generosity movement unleashing the power of people and organizations to transform their communities and the world on December 3, 2019 and every day. It was created in 2012 as a simple idea: a day that encourages people to do good, and since its founding, it has raised more than $1 billion in online donations in the U.S. alone. If you’d like to give something back after all that shopping, search for an organization near you to help you find organizations, events, and ways to give back in your own community. The Better Business Bureau has some Giving Tuesday tips to ensure you don’t fall for fake charities:

If you plan to shop online or off over the holiday weekend, here are a few pointers for getting the most out of Black Friday and Cyber Monday

And a few tips to be safe and secure while shopping:

  • Keep packages out of site in your car. Lock them in your trunk and keep car doors locked
  • Be aware of your purse and wallet at all times – pickpockets love crowds. If you can, avoid a purse or wallet entirely and store phone, cash, credit cards and IDs in a secure inner pocket.
  • Carry only the money and credit cards you need. Don’t flash cash.
  • Be aware of your surroundings. Thieves and con-artists specialize in distraction techniques.
  • Don’t overload yourself with packages and impair your awareness, mobility or vision – take some to the car.
  • Remember where you parked your car. Have your keys ready and be alert for strangers when you approach it.
  • Shop with a friend or family member, particularly at night. There’s safety in numbers.

Here are a few safe online shopping tips:

  • Update your web security, anti-virus and malware detection programs snf be sure your firewall is on.
  • Be on alert for email phishing offers, the spoofed mails look authentic. Don’t click the link, type in the website.
  • Purchase only in a secure environment – check for “https” in the address in your web browser – the “s” stands for “secure” – never conduct a transaction without it.
  • Public Wi-Fi is not secure so avoid doing banking and transactions that would expose your credit cards, passwords, or personal info.
  • Update your passwords before shopping. Create unique passwords for each site.
  • If it sounds too good to be true, it probably is. Watch out for “free” gift offers and contests from unknown sites.
  • Don’t give away any personal information or credit card numbers to anyone you don’t know.

 

How to file a settlement claim if you were affected by the Equifax data breach

By RENAISSANCE ALLIANCE

data breach illustrated by an open padlock

Were you affected by the 2017 Equifax data breach? You might have been because 147 million records in the US alone were exposed. If you’d like a refresher on the event, we talked about it in a blog post, along with the remedies available at the time Equifax Data Breach:

Before you dismiss this as ancient history, check this out: The Federal Trade Commission (FTC) recently announced that Equifax has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to $425 million to help people affected by the data breach.

If you were affected, you might be eligible for

  • Up to 10 years of free credit monitoring
  • A cash payment of $125 in lieu of credit monitoring
  • Payment for time, expenses or losses related to the breach (capped at $20,000)

For more details on what you might be eligible for, see the FTC’s summary of the Equifax Data Breach Settlement

Here’s how to file a claim:

  • The first step is to find out if your information was exposed: use this look-up tool.
  • If your data was exposed, you must file a claim by January 22, 2020. You can file a claim online, or see instructions for filing a hard copy. It’s a fairly easy process. Here are FAQs if you want to learn more.

It may seem nearly impossible to protect your data from being exposed, but don’t give up!  See our post on 66 ways to protect your identity and privacy for tips.

New consumer protections for prepaid debit cards

By RENAISSANCE ALLIANCE

woman's hand holding colorful prepaid debit cards

Prepaid debit cards are more and more common in our daily lives. They’ve become the standard for gift cards. Parents find them a convenient way to send a child off to college with a stipend of credit to use for spending and emergencies. Some employers even use them to pay their workers. And, increasingly, instead of issuing a check for a refund, more and more companies are issuing prepaid credit cards. A report in the LA Times talks about some of the problems that practice can create for consumers: More refunds are being made with prepaid debit cards. Is that a good thing for consumers?

Just a few of these problems include:

  • You become fair game for marketing from the financial firm that issues the card
  • The card may have a finance charge if it is unused for a period of time, eating into the value
  • Prepaid cards are often forgotten and go unused
  • You have to read the fine print to learn about fees, expiration and other terms of use
  • Some cards have limitations on where they can be spent

New consumer protections now in effect

Starting on April 1 of this year, consumers will have more protection when they opt for prepaid debit cards, thanks to the Consumer Financial Protection Bureau – but to activate that protection, users must register the cards on the card issuer’s website. Consumer Reports explains: New Prepaid Card Rule Goes Into Effect.

Prepaid cards issued on April 1 and thereafter will have clear disclosures of key fees on the outside packaging so that consumers can compare cards before they buy.

Consumers who use these cards will also be protected from liability in cases of unauthorized transactions or fraud, as users of debit cards have long been.

The rule applies not only to the plastic you buy in brick-and-mortar stores but also to payroll cards, cards for government benefits such as Social Security. It also applies to funds held in dedicated “stored value” accounts on mobile person-to-person payment services like Venmo and Cash.

Among the protections that the article explains in detail:

  • Protection from unauthorized errors and charges
  • Disclosure if the card has no FDIC insurance coverage
  • Basic account information at no charge
  • Limits on how overdrafts are handled

Prepaid cards are popular for a variety of reasons. They’re more secure than cash and they work much like a debit card, but they don’t require pre-approved credit. But until now, consumer protections have been limited.

As with most financial vehicles, if pays to be a savvy consumer. US News featured a good overview, including the pros and cons, in an article about how prepaid credit cards work. It talks about the types of cards, offers alternative payment options, and compares the benefits to those of secured credit cards and debit cards. Be an informed consumer!

Never plug a space heater into a power strip

By RENAISSANCE ALLIANCE

burnt power strip cord

The recent frigid weather from the polar vortex prompted fire officials to issue warnings about space heaters, which are a frequent source of home fires: Never plug a space heater into a power strip or an extension cord. Space heaters have a high energy load and should be plugged directly into a wall outlet. Power strips are not designed to handle the energy load of a space heater and can overheat and cause a fire.

Check out this screen grab of a recent tweet from the Deer Lake Fire Rescue department:

Heating equipment is responsible for nearly half of home heating fires, according to the National Fire Protection Association.

Energy.gov says that when buying and installing an electric space heater, you should follow these general safety guidelines:

  • Electric heaters should be plugged directly into the wall outlet. If an extension cord is necessary, use the shortest possible heavy-duty cord of 14-gauge wire or larger.
  • Always check and follow any manufacturer’s instructions pertaining to the use of extension cords.
  • Buy a unit with a tip-over safety switch, which automatically shuts off the heater if the unit is tipped over.

The Electrical Safety Foundation International offers this safety infographic.

Home Heating Fire Prevention infographic