Category Archives: Consumer protection

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

Don’t fall for any fake Santas: the 12 scams of Christmas

By RENAISSANCE ALLIANCE

caroon orf a fake Santa in a police lineup

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:

Here are some tips we’ve offered from prior years:

 

 

How to block those spammy, scammy phone calls

By RENAISSANCE ALLIANCE

cartoon image of man yelling "don't cal me"

By 2019, nearly half the calls made to cell phones will be fraudulent, claims a recent report by First Orion, a phone and data transparency solution provider. This is a huge increase. In 2017, about 4% of cell phone calls were scammy. By 2018, that number had grown to almost 30%. And the upward trend continues, thanks in part to new dirty tricks like “neighborhood spoofing”, in which a scammer spoofs the area code and prefix of the caller dialed, to increase the likelihood of getting an answer.

It’s pernicious, it’s annoying, and it seems like the bad guys are always one step ahead of the technological solutions deployed to end their schemes.

Case in point: third-party blocking apps only blacklist known spam numbers. While this is useful (and while the companies offering this service update the master list of bogus numbers regularly), these apps won’t protect you from spoofed calls, which generally originate from legitimate phone numbers that have been temporarily taken over by scammers.

The good news is that phone manufacturers and cellular service providers, in collaboration with government regulators and third-party privacy and security companies, are rolling out new tools to help you keep your phone as free of spam as possible.

So what can you do?

First, register your number with the Federal Trade Commission’s Do Not Call list.
You’ll need to fill out some information and reply to a confirmation email to complete the process. This will also allow you to report spam numbers directly to the FTC, which helps everyone get rid of these annoyances. Reporting unwanted text messages is easier – just forward them to 7726 (SPAM). Most US carriers participate in this program, which uses the submitted information to blacklist numbers and to try to block future spammers.

Second, use your phone’s built-in capabilities to block as many known spammers as you can.

On Android devices, open the Phone app and select the number. Tap “More” and choose whether to block calls, block messages, or block everything originating from that number. You can also add numbers manually by going to Phone > More > Settings > Call Blocking > Block List.

On iPhone, go to Phone > Recent > Info > Block This Caller. At the confirmation message, choose “Block This Contact”.

Your cellular carrier also has services in place to help you win (or at least try to tie!) this frustrating game of spammer whack-a-mole. Note, however, that these services are generally NOT free.

Combining the power of the federal Do Not Call List with the technology sitting on your cell phone carrier’s servers with the software built into your phone can help you stem the tide of scammy calls.

There are also third-party apps available for all models of smartphones that will help you block unwanted calls, blacklist scam callers, and cut down on the annoyance of robocalls. Again, most of these are not free (except Hiya), and almost all require a renewing subscription. But if you’re inundated with these calls, they may very well be worth it. Check out apps like Hiya, Nomorobo, Robokiller, and Truecaller.

Or, if you are an iPhone user, you can deploy the nuclear option: go to Settings > Do Not Disturb > Allow Calls From > All Contacts. Then turn on Do Not Disturb. Permanently. Now you’ll only receive calls from numbers already in your contacts. Everyone else will be blocked. This is great, until it isn’t – you probably want that call about the new job to get through, and you never know when you’ll get an emergency call from an unknown number. So while not perfect, this technique will absolutely still your squalling iPhone if needed.

And if all else fails, you can just let those unrecognized calls roll right over to voicemail.

Summer vacation safety: Avoiding travel fraud & scams

By RENAISSANCE ALLIANCE

You may be on vacation, but rest assured, scammers never sleep – they are hard at work thinking of new ways to separate you from your money and your identity. Consumer Reports features an article on Summer Scams to avoid – a few of these are about travel: .

  • Vacation rental scams – you book a cute cottage via the web that requires advance payment. Except the cottage doesn’t exist. Remedy: stick to established online rental vendors.
  • Discounted hotel stays. Fraudent websites can look real and make bogus offers. Remedy: Watch out for third party sites selling hotels or other goods and services at a discount. Use reputable services and be sure to dig around on a site to make sure it is the real thing before you take out your credit card.

The Federal Trade Commission (FTC)  talks more about vacation rental listing scams, common signs of a scam, and how to avoid being bilked. They also have an excellent
resource with travel tips designed to help you avoid scams during the travel planning and shopping process.

If you are traveling internationally, you could become an inadvertent victim of a common scam around International Driver’s license. This FTC tip sheet talks about what International Driving Permits are and what they aren’t. It says, “AAA and AATA are the only organizations authorized by the U.S. Department of State to issue IDPs to U.S. residents. Both AAA and AATA charge less than $20 for an IDP. If you’re asked to pay more, consider it a rip-off.”

Rick Steves has certainly done his share of international travel over nearly five decades as a travel expert and author. He offers a great collection of common Tourist Scams and Rip-Offs. For another good resources, see this guide to other Common Travel Scams and How to Avoid Them.

Summer is a great time for travel but all too often, when in a new or relaxing place, it can be easy to lower your guard. When you’re in an unfamiliar place, it’s more important that ever to be alert and maintain high situational awareness. If something seems too good to be true, it almost always is.

See more posts on common scams and frauds
And if you are going on vacation, here are 5 steps to secure your home while you are away!

Children’s car safety seats: Are you using yours correctly?

By RENAISSANCE ALLIANCE

baby in a car seat

Are you using your child’s car safety seat properly? A 2016 report by the National Highway Traffic Safety Administration (NHTSA) suggests you might not be. More than half the car seats looked at in the report were improperly installed or incorrectly used. Similar studies conducted independently showed even higher levels of misuse. While some of the errors found in these studies were small, others were large enough to negate the safety of the seat entirely. As Miriam Manary, senior engineering research associate at the University of Michigan Transportation Research Institute, told the New York Times:

“… somewhere around 35 percent of it is gross misuse where they’re not going to get any protection from that system — things like not securing the child restraint into the vehicle or not harnessing the child in the child restraint system.”

Motor vehicle accidents are the number one cause of death in children, and forty percent of children killed in automobile crashes were unrestrained. Correctly using a child’s car safety seat can reduce the risk of fatal injury by more than half. The child safety group Safe Kids Worldwide offers free children’s car seat checks. Look at their website to see if they’re sponsoring an event near you. If there are no safety checks nearby, Safe Kids Worldwide also offers a list of technicians qualified to check that your children’s car safety seat is properly installed and that you’re using it right.

Here are some pointers to help make sure your children are getting the safest ride out of their car seats:

Don’t forget the top tether. All children’s car seats have at least three anchor straps. Some have five. It’s easy to forget that important top strap.

Check the expiration date. Like all good things, children’s car seats won’t last forever. Wear and tear, exposure to heat and UV light — all these things take their toll. Most convertible car seats are good for 10 years; most infant seats for 6. Check your warranty card to see when yours expires.

Been in a wreck? Throw it out. A damaged car seat is an ineffective car seat. If you’ve been in a serious accident while your child’s car seat was in the car with you, maybe toss it and get a new one.

And finally, some good news: more expensive doesn’t always mean better. All children’s car safety seats have to meet the same federal standards. They’re tested by the NHTSA to make sure that all models on the market conform to those guidelines. Some models may be more convenient, more versatile, better looking, or have a better cup holder – but they’re still providing the same baseline safety features.

So keep these tips in mind, do your homework, and before you take a spin, strap ‘em in!